<PAGE>
LOGO
SUPPLEMENT TO THE PROSPECTUSES
DATED DECEMBER 15, 1998 OF
MENTOR FUNDS
(Each a "Fund", together the "Funds")
Subject to shareholder approval at a meeting to be held on October 15,
1999, each of the Funds listed below will be converted to a separate series of a
Delaware business trust. The name of each Trust and new Fund is set forth below.
<TABLE>
<CAPTION>
<S> <C> <C>
Name of Fund Name of Trust New Fund Name
Mentor Balanced Portfolio Evergreen Equity Trust Evergreen Capital Balanced Fund
Mentor Growth Portfolio Evergreen Equity Trust Evergreen Growth Fund
Mentor Short-Duration Income Evergreen Fixed Income Trust Evergreen Short-Duration Income Fund
Portfolio
Mentor Capital Growth Portfolio Evergreen Equity Trust Evergreen Capital Growth Fund
Mentor Municipal Income Evergreen Municipal Trust Evergreen Municipal Income Fund
Portfolio
Mentor Quality Income Portfolio Evergreen Fixed Income Trust Evergreen Quality Income Fund
Mentor Income and Growth Evergreen Equity Trust Evergreen Capital Income and Growth Fund
Portfolio
Mentor Perpetual Global Evergreen International Trust Evergreen Perpetual Global Fund
Portfolio
Mentor High Income Portfolio Evergreen Fixed Income Trust Evergreen High Income Fund
</TABLE>
Subsequent to the conversion, Mentor Class A, Class B and Class Y
shares will no longer be offered. Instead, Evergreen Class A, Class C and Class
Y will be offered. In the conversion, Class B shares of a Fund will be
designated as Class C shares of the successor Evergreen Fund. However, only with
respect to the Class B Mentor Fund shares that convert, the schedule of
contingent deferred sales charges ("CDSCs") applicable to the Class B Mentor
Fund shares will carry over to the Class C Evergreen Fund shares. No further
sales of Evergreen Class C shares with the Mentor CDSC schedule will be sold
subsequent to the conversion. Only standard Evergreen Class C shares will be
offered.
Information regarding Class A, Class C and Class Y Evergreen shares,
their respective distribution plans and agreements, how to purchase and redeem
Evergreen shares, exchange privileges and services available to Evergreen
shareholders is set forth below.
DISTRIBUTION PLANS AND AGREEMENTS
Distribution Plans. Each Evergreen Fund's Class A and Class C shares pay for the
expenses associated with the distribution of its shares according to a
distribution plan that it has adopted pursuant to Rule 12b-1 under the 1940 Act
(each a "Plan" or collectively the "Plans"). Under the Plans, each Fund may
incur distribution-related and shareholder servicing-related expenses which are
based upon a maximum annual rate as a percentage of each Fund's average daily
net assets attributable to the Class, as follows:
Class A shares.... 0.75% (currently limited to 0.25%)
Class C shares.... 1.00%
Of the amount that each Class may pay under its respective Plan, up to
0.25% may constitute a service fee to be used to compensate organizations, which
may include each Fund's investment advisor or their affiliates, for personal
services rendered to shareholders and/or the maintenance of shareholder
accounts. The Funds may not pay any distribution or service fees during any
fiscal period in excess of the amounts set forth above. Amounts paid under the
Plans are used to compensate the Fund's distributor pursuant to the distribution
agreements entered into by each Fund.
Distribution Agreements. Each Fund has also entered into a distribution
agreement (each a "Distribution Agreement" or collectively the "Distribution
Agreements") with EDI. Pursuant to the Distribution Agreements, each Fund will
compensate EDI for its services as distributor based upon the maximum annual
rate as a percentage of each Fund's average daily net assets attributable to the
Class, as follows:
Class A shares.... 0.25%
Class C shares.... 1.00%
The Distribution Agreements provide that EDI will use the distribution
fee received from each Fund for payments (1) to compensate broker-dealers or
other persons for distributing shares of a Fund, including interest and
principal payments made in respect of amounts paid to broker-dealers or other
persons that have been financed (EDI may assign its rights to receive
compensation under the Plans to secure such financings), (2) to otherwise
promote the sale of shares of a Fund, and (3) to compensate broker-dealers,
depository institutions and other financial intermediaries for providing
administrative, accounting and other services with respect to a Fund's
shareholders. FUNB or its affiliates may finance the payments made by EDI to
compensate broker-dealers or other persons for distributing shares of the Fund.
In the event a Fund acquires the assets of other mutual funds,
compensation paid to EDI under the Distribution Agreements may be paid by EDI to
the distributors of the acquired funds or their predecessors.
Since EDI's compensation under the Distribution Agreements is not
directly tied to the expenses incurred by EDI, the amount of compensation
received by it under the Distribution Agreements during any year may be more or
less than its actual expenses and may result in a profit to EDI. Distribution
expenses incurred by EDI in one fiscal year that exceed the level of
compensation paid to EDI for that year may be paid from distribution fees
received from a Fund in subsequent fiscal years.
The Plans are in compliance with the Conduct Rules of the National
Association of Securities Dealers, Inc. which effectively limit the annual
asset-based sales charges and service fees that a mutual fund may pay on a class
of shares to an annual rate of 0.75% and 0.25%, respectively, of the average
aggregate annual net assets attributable to that class. The rules also limit the
aggregate of all front-end, deferred and asset-based sales charges imposed with
respect to a class of shares by a mutual fund that also charges a service fee to
6.25% of cumulative gross sales of shares of that class, plus interest on the
unpaid amount at the prime rate plus 1% per annum.
HOW TO BUY SHARES
You may purchase shares of any of the Evergreen Funds through
broker-dealers, banks or other financial intermediaries, or directly through
EDI. In addition, you may purchase shares of any of the Funds by mailing to that
Fund a completed application and a check payable to the applicable Fund.
Subsequent investments in any amount may be made by check, by wiring federal
funds, by direct deposit or by an electronic funds transfer.
The minimum initial investment is $1,000, which may be waived in
certain situations. There is no minimum amount for subsequent investments.
Investments of $50 or more are allowed under the Systematic Investment Plan.
Class A Shares--Front-End Sales Charge Alternative. You may purchase Class A
shares of each Fund at net asset value plus an initial sales charge on purchases
under $1,000,000. You may purchase $1,000,000 or more of Class A shares without
a front-end sales charge; however, a CDSC equal to the lesser of 1% of the
purchase price or the redemption value will be imposed on shares redeemed during
the month of purchase and the 12-month period following the month of purchase.
In general, the schedule of charges for Class A shares is as follows:
<TABLE>
<CAPTION>
Initial Sales Charge
As a % of the As a % of Commission to Dealer/Agent
Amount of Purchase Net Amount the Offering as a % of Offering Price
Invested Price
<S> <C> <C> <C>
Less than $ 50,000... 4.99% 4.75% 4.25%
$ 50,000--$ 99,999....... 4.71% 4.50% 4.25%
$100,000--$249,999....... 3.90% 3.75% 3.25%
$250,000--$499,999....... 2.56% 2.50% 2.00%
$500,000--$999,999....... 2.04% 2.00% 1.75%
$1,000,000 or more...... None None 1.00% of the amount invested
up to $2,999,999; 0.50% of the amount
invested over $2,999,999, up to $4,999,999;
and 0.25% of the excess over $4,999,999
</TABLE>
No front-end sales charges are imposed on Class A shares purchased by
(a) institutional investors, which may include bank trust departments and
registered investment advisors; (b) investment advisors, consultants or
financial planners who place trades for their own accounts or the accounts of
their clients and who charge such clients a management, consulting, advisory or
other fee; (c) clients of investment advisors or financial planners who place
trades for their own accounts if the accounts are linked to the master account
of such investment advisors or financial planners on the books of the
broker-dealer through whom shares are purchased; (d) institutional clients of
broker-dealers, including retirement and deferred compensation plans and the
trusts used to fund these plans, which place trades through an omnibus account
maintained with a Fund by the broker-dealer; (e) shareholders of record on
October 12, 1990 in any series of Evergreen Investment Trust in existence on
that date, and the members of their immediate families; (f) current and retired
employees of First Union National Bank ("FUNB") and its affiliates, EDI and any
broker-dealer with whom EDI has entered into an agreement to sell shares of the
Funds, and members of the immediate families of such employees; and (g) and upon
the initial purchase of an Evergreen Fund by investors reinvesting the proceeds
from a redemption within the preceding thirty days of shares of other mutual
funds, provided such shares were initially purchased with a front-end sales
charge or subject to a CDSC. Certain broker-dealers or other financial
institutions may impose a fee on transactions in shares of the Funds.
Class A shares may also be purchased at net asset value by a
corporation or certain other qualified retirement plan or a non-qualified
deferred compensation plan, or a Title I tax sheltered annuity or TSA plan
sponsored by an organization having 100 or more eligible employees, or a TSA
plan sponsored by a public education entity having 5,000 or more eligible
employees.
In connection with sales made to plans of the type described in the
preceding sentence EDI will pay broker-dealers and others concessions at the
rate of 0.50% of the net asset value of the shares purchased. These payments are
subject to reclaim in the event the shares are redeemed within twelve months
after purchase.
Certain employer-sponsored retirement or savings plans, including
eligible 401(k) plans, may purchase Class A shares at net asset value provided
that such plans meet a certain required minimum number of eligible employees or
required amount of assets.
Additional information concerning the waiver of sales charges is set forth in
the SAI.
When Class A shares are sold, EDI will normally retain a portion of the
applicable sales charge and pay the balance to the broker-dealer or other
financial intermediary through whom the sale was made. EDI may also pay fees to
banks from sales charges for services performed on behalf of the customers of
such banks in connection with the purchase of shares of the Funds. In addition
to compensation paid at the time of sale, entities whose clients have purchased
Class A shares may receive a service fee equal to 0.25% of the average daily
value on an annual basis of Class A shares held by their clients. Certain
purchases of Class A shares may qualify for reduced sales charges in accordance
with a Fund's Concurrent Purchases, Rights of Accumulation, Letter of Intent,
certain Retirement Plans and Reinstatement Privilege.
Class C Shares--Level-Load Alternative. Class C shares are only offered through
broker-dealers who have special distribution agreements with EDI. You may
purchase Class C shares at net asset value without any initial sales charge and,
therefore, the full amount of your investment will be used to purchase Fund
shares. However, you will pay a 1.00% CDSC if you redeem shares during the month
of purchase and the 12-month period following the month of purchase. No CDSC is
imposed on amounts redeemed thereafter. Class C shares incur higher distribution
and/or shareholder service fees than Class A shares and do not convert to any
other class of shares of a Fund. The higher fees mean a higher expense ratio, so
Class C shares pay correspondingly lower dividends and may have a lower net
asset value than Class A shares. The Funds will not normally accept any purchase
of Class C shares in the amount of $500,000 or more. No CDSC will be imposed on
Class C shares purchased by institutional investors and through employee benefit
and savings plans eligible for the exemption from front-end sales charges
described under "Class A Shares-Front End Sales Charge Alternative," above.
Broker-dealers and other financial intermediaries whose clients have purchased
Class C shares may receive a trailing commission equal to 0.75% of the average
daily net asset value of such shares on an annual basis held by their clients
more than one year from the date of purchase. Service fees will commence
immediately with respect to shares eligible for exemption from the CDSC normally
applicable to Class C shares.
Contingent Deferred Sales Charge. Certain shares with respect to which a Fund
did not pay a commission on issuance, including shares obtained from dividend or
distribution reinvestment, are not subject to a CDSC. Any CDSC imposed upon the
redemption of Class A or Class C shares is a percentage of the lesser of (1) the
net asset value of the shares redeemed or (2) the net asset value at the time of
purchase of such shares.
No CDSC is imposed on a redemption of shares of a Fund in the event of
(1) death or disability of the shareholder; (2) a lump-sum distribution from a
401(k) plan or other benefit plan qualified under the Employee Retirement Income
Security Act of 1974 ("ERISA"); (3) automatic withdrawals from ERISA plans if
the shareholder is at least 591/2 years old; (4) involuntary redemptions of
accounts having an aggregate net asset value of less than $1,000; (5) automatic
withdrawals under the Systematic Withdrawal Plan of up to 1.00% per month of the
shareholder's initial account balance; (6) withdrawals consisting of loan
proceeds to a retirement plan participant; (7) financial hardship withdrawals
made by a retirement plan participant; or (8) withdrawals consisting of returns
of excess contributions or excess deferral amounts made to a retirement plan
participant.
The Funds may also sell Class A or Class C shares at net asset value
without any initial sales charge or a CDSC to certain Directors, Trustees,
officers and employees of the Funds, FUNB, EDI and certain of their affiliates,
and to members of the immediate families of such persons, to registered
representatives of firms with dealer agreements with EDI, and to a bank or trust
company acting as a trustee for a single account.
Class Y Shares. Class Y shares are offered at net asset value without a
front-end sales charge or a contingent deferred sales charge. Class Y shares are
only offered to (1) persons who at or prior to December 31, 1994 owned shares in
a mutual fund advised by Evergreen Asset Management Corp.; (2) certain
institutional investors; and (3) investment advisory clients of FUNB or their
affiliates.
Eligible investors may purchase Class Y shares of a Fund through
broker-dealers, banks or other financial intermediaries, or directly through
EDI. The minimum initial investment is $1,000, which may be waived in certain
situations. Subsequent investments in any amount may be made by check, by wiring
federal funds, by direct deposit or by an electronic funds transfer.
There is no minimum amount for subsequent investments. Investments of
$50 or more are allowed under the Systematic Investment Plan.
HOW TO REDEEM SHARES
You may "redeem" ( i.e., sell) your shares for cash, at the net
redemption value on any day the Exchange is open, either directly by writing to
the Fund, c/o Evergreen Service Company ("ESC"), or through your financial
intermediary. The amount you will receive is the net asset value adjusted for
fractions of a cent (less any applicable CDSC) next calculated after a Fund
receives your request in proper form. Proceeds generally will be sent to you
within seven days. However, for shares recently purchased by check, a Fund will
not send proceeds until it is reasonably satisfied that the check has been
collected (which may take up to 15 days). Once a redemption request has been
telephoned or mailed, it is irrevocable and may not be modified or canceled.
Redeeming Shares Through Your Financial Intermediary. A Fund must receive
instructions from your financial intermediary before 4:00 p.m. (eastern time)
for you to receive that day's net asset value (less any applicable CDSC). Your
financial intermediary is responsible for furnishing all necessary documentation
to a Fund and may charge you for this service. Certain financial intermediaries
may require that you give instructions earlier than 4:00 p.m. (eastern time).
Redeeming Shares Directly by Mail or Telephone. You may redeem by mail by
sending a signed letter of instruction or stock power form to the Fund, c/o ESC
(the registrar, transfer agent and dividend-disbursing agent for each Fund.)
Stock power forms are available from your financial intermediary, ESC, and many
commercial banks. Additional documentation is required for the sale of shares by
corporations, financial intermediaries, fiduciaries and surviving joint owners.
Signature guarantees are required for all redemption requests for shares with a
value of more than $50,000. Currently, the requirement for a signature guarantee
has been waived on redemptions of $50,000 or less when the account address of
record has been the same for a minimum period of 30 days. Each Fund and ESC
reserve the right to withdraw this waiver at any time. A signature guarantee
must be provided by a bank or trust company (not a Notary Public), a member firm
of a domestic stock exchange or by other financial institutions whose guarantees
are acceptable under the Securities Exchange Act of 1934 and ESC's policies.
Shareholders may redeem amounts of $1,000 or more (up to $50,000) from
their accounts by calling ESC between the hours of 8:00 a.m. and 6:00 p.m.
(eastern time) each business day (i.e., any weekday exclusive of days on which
the Exchange or ESC's offices are closed). The Exchange is closed on New Year's
Day, Martin Luther King, Jr. Day, Presidents' Day, Good Friday, Memorial Day,
Independence Day, Labor Day, Thanksgiving Day and Christmas Day. Redemption
requests received after 4:00 p.m. (eastern time) will be processed using the net
asset value determined on the next business day. Such redemption requests must
include the shareholder's account name, as registered with a Fund, and the
account number. During periods of drastic economic or market changes,
shareholders may experience difficulty in effecting telephone redemptions. If
you cannot reach a Fund by telephone, you should follow the procedures for
redeeming by mail or through a broker-dealer as set forth herein. The telephone
redemption service is not made available to shareholders automatically.
Shareholders wishing to use the telephone redemption service must complete the
appropriate sections on the application and choose how the redemption proceeds
are to be paid. Redemption proceeds will either (1) be mailed by check to the
shareholder at the address in which the account is registered or (2) be wired to
an account with the same registration as the shareholder's account in a Fund at
a designated commercial bank.
In order to insure that instructions received by ESC are genuine when
you initiate a telephone transaction, you will be asked to verify certain
criteria specific to your account. At the conclusion of the transaction, you
will be given a transaction number confirming your request, and written
confirmation of your transaction will be mailed the next business day. Your
telephone instructions will be recorded. Redemptions by telephone are allowed
only if the address and bank account of record have been the same for a minimum
period of 30 days. Each Fund reserves the right at any time to terminate,
suspend, or change the terms of any redemption method described in this
prospectus, except redemption by mail, and to impose fees.
Except as otherwise noted, the Funds, ESC and EDI will not assume
responsibility for the authenticity of any instructions received by any of them
from a shareholder in writing, over the Evergreen Express Line (described
below), or by telephone. ESC will employ reasonable procedures to confirm that
instructions received over the Evergreen Express Line or by telephone are
genuine. The Funds, ESC and EDI will not be liable when following instructions
received over the Evergreen Express Line or by telephone that ESC reasonably
believes are genuine.
Evergreen Express Line. The Evergreen Express Line offers you specific fund
account information and price and yield quotations as well as the ability to do
account transactions, including investments, exchanges and redemptions. You may
access the Evergreen Express Line by dialing toll free 1-800-346-3858 on any
touch-tone telephone, 24 hours a day, seven days a week.
General. The sale of shares is a taxable transaction for federal income tax
purposes. The Funds may temporarily suspend the right to redeem their shares
when (1) the Exchange is closed, other than customary weekend and holiday
closings; (2) trading on the Exchange is restricted; (3) an emergency exists and
the Funds cannot dispose of their investments or fairly determine their value;
or (4) the Securities and Exchange Commission so orders. The Funds reserve the
right to close an account that through redemption has fallen below $1,000 and
has remained so for 30 days. Shareholders will receive 60 days' written notice
to increase the account value to at least $1,000 before the account is closed.
The Funds have elected to be governed by Rule 18f-1 under the Investment Company
Act of 1940 pursuant to which each Fund is obligated to redeem shares solely in
cash, up to the lesser of $250,000 or 1% of a Fund's total net assets, during
any 90-day period for any one shareholder.
EXCHANGE PRIVILEGE
How to Exchange Shares. You may exchange some or all of your shares for shares
of the same class in other Evergreen Funds through your financial intermediary
by calling or writing to ESC, or by using the Evergreen Express Line as
described above. Once an exchange request has been telephoned or mailed, it is
irrevocable and may not be modified or canceled. Exchanges will be made on the
basis of the relative net asset values of the shares exchanged next determined
after an exchange request is received. An exchange which represents an initial
investment in another Evergreen Fund is subject to the minimum investment and
suitability requirements of each Fund.
Each of the Evergreen Funds has different investment objectives and
policies. For more information, a prospectus of the fund into which an exchange
will be made should be read prior to the exchange. An exchange order must comply
with the requirement for a redemption or repurchase order and must specify the
dollar value or number of shares to be exchanged. An exchange is treated for
federal income tax purposes as a redemption and purchase of shares and may
result in the realization of a capital gain or loss. Shareholders are limited to
five exchanges per calendar year, with a maximum of three per calendar quarter.
This exchange privilege may be modified or discontinued at any time by a Fund
upon 60 days' notice to shareholders and is only available in states in which
shares of a fund being acquired may lawfully be sold.
No CDSC will be imposed in the event shares are exchanged for shares of
the same class of other Evergreen Funds. If you redeem shares, the CDSC
applicable to the shares of the Evergreen Fund originally purchased for cash is
applied. Also, Class C shares will continue to age following an exchange for the
purpose of determining the amount of the applicable CDSC.
Exchanges Through Your Financial Intermediary. A Fund must receive exchange
instructions from your financial intermediary before 4:00 p.m. (eastern time)
for you to receive that day's net asset value. Your financial intermediary is
responsible for furnishing all necessary documentation to a Fund and may charge
you for this service.
Exchanges By Telephone And Mail. Exchange requests received by a Fund after 4:00
p.m. (eastern time) will be processed using the net asset value determined at
the close of the next business day. During periods of drastic economic or market
changes, shareholders may experience difficulty in effecting telephone
exchanges. You should follow the procedures outlined below for exchanges by mail
if you are unable to reach ESC by telephone. If you wish to use the telephone
exchange service you should indicate this on the application. As noted above,
each Fund will employ reasonable procedures to confirm that instructions for the
redemption or exchange of shares communicated by telephone are genuine. A
telephone exchange may be refused by a Fund or ESC if it is believed advisable
to do so. Procedures for exchanging Fund shares by telephone may be modified or
terminated at any time. Written requests for exchanges should follow the same
procedures outlined for written redemption requests in the section entitled "How
to Redeem Shares;" however, no signature guarantee is required.
SHAREHOLDER SERVICES
The Funds offer the following shareholder services.
Systematic Investment Plan. Under a Systematic Investment Plan, you may invest
as little as $50 per month to purchase shares of a Fund with no minimum initial
investment required.
Telephone Investment Plan. You may make investments into an existing account
electronically in amounts of not less than $100 or more than $10,000 per
investment. Telephone investment requests received by 4:00 p.m. (Eastern time)
will be credited to a shareholder's account the day the request is received.
Systematic Withdrawal Plan. When an account of $10,000 or more is opened or when
an existing account reaches that size, you may participate in a Systematic
Withdrawal Plan (the "Withdrawal Plan") by filling out the appropriate part of
the application. Under this Withdrawal Plan, you may receive (or designate a
third party to receive) a monthly or quarterly fixed-withdrawal payment in a
stated amount of at least $75, and as much as 1.0% per month or 3.0% per quarter
of the total net asset value of fund shares in your account when the Withdrawal
Plan was opened. Fund shares will be redeemed as necessary to meet withdrawal
payments. All participants must elect to have their dividends and capital gain
distributions reinvested automatically. Any applicable CDSC will be waived with
respect to redemptions occurring under a Withdrawal Plan during a calendar year
to the extent that such redemptions do not exceed 12% of (1) the initial value
of the account plus (2) the value, at the time of purchase, of any subsequent
investments.
Investments Through Employee Benefit and Savings Plans (not available for Class
Y shares). Certain qualified and non-qualified employee benefit and savings
plans may make shares of the Funds and other Evergreen Funds available to their
participants. Investments made by such employee benefit plans may be exempt from
front-end sales charges if they meet the criteria set forth under "Class A
Shares-Front End Sales Charge Alternative." FUNB or its affiliates may provide
compensation to organizations providing administrative and recordkeeping
services to plans which make shares of the Evergreen Funds available to their
participants.
Automatic Reinvestment Plan. For the convenience of investors, all dividends and
distributions are automatically reinvested in full and fractional shares of a
Fund at the net asset value per share at the close of business on the record
date, unless otherwise requested by a shareholder in writing. If the transfer
agent does not receive a written request for subsequent dividends and/or
distributions to be paid in cash at least three full business days prior to a
given record date, the dividends and/or distributions to be paid to a
shareholder will be reinvested.
Dollar Cost Averaging. Through dollar cost averaging you can invest a fixed
dollar amount each month or each quarter in any Evergreen Fund. This results in
more shares being purchased when the selected fund's net asset value is
relatively low and fewer shares being purchased when the fund's net asset value
is relatively high and may result in a lower average cost per share than a less
systematic investment approach.
Prior to participating in dollar cost averaging, you must establish an
account in an Evergreen Fund. You should designate on the application (1) the
dollar amount of each monthly or quarterly investment you wish to make and (2)
the fund in which the investment is to be made. Thereafter, on the first day of
the designated month, an amount equal to the specified monthly or quarterly
investment will automatically be redeemed from your initial account and invested
in shares of the designated fund.
Two Dimensional Investing. You may elect to have income and capital gains
distributions from any Evergreen Fund shares you own automatically invested to
purchase the same class of shares of any other Evergreen Fund. You may select
this service on your application and indicate the Evergreen Fund(s) into which
distributions are to be invested.
Tax Sheltered Retirement Plans. The Funds have various retirement plans
available to eligible investors, including Individual Retirement Accounts
(IRAs); Rollover IRAs; Simplified Employee Pension Plans (SEPs); Salary
Incentive Match Plan for Employees (SIMPLEs); Tax Sheltered Annuity Plans;
403(b)(7) Plans; 401(k) Plans; Keogh Plans; Profit-Sharing Plans; Medical
Savings Accounts; Pension and Target Benefit and Money Purchase Plans.
August 27, 1999
