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SIGNATURE JOSEPH REARDON
TITLE VICE PRESIDENT
TOMORROW FUNDS RETIREMENT TRUST
Termination of Series
The undersigned, being all the Trustees of Tomorrow Funds Retirement
Trust, a Delaware business trust (the "Trust"), acting pursuant to Article
IX, Section 4 of the Trust's Declaration of Trust dated June 21, 1995
(the "Declaration of Trust"), do hereby terminate and abolish Core
Large-Cap Stock Fund and Core Small-Cap Stock Fund as series of the Trust
effective as of the close of business on November 20, 1997. Attached
hereto is a true and complete copy of the resolutions of the Board of
Trustees authorizing such termination.
IN WITNESS WHEREOF, the undersigned have executed this instrument
in duplicate counterparts and have caused a duplicate to be lodged among
the records of the Trust as of this 20th day of November, 1997.
/s/ Roger J. Weiss
Roger J. Weiss, as Trustee
and not individually
/s/ Raymond R. Herrmann, Jr.
Raymond R. Herrman, as Trustee
and not individually
/s/ Lawrence J. Israel
Lawrence J. Israel, as Trustee
and not individually
/s/ Harvey E. Sampson
Harvey E. Sampson, as Trustee
and not individually
Board of Trustees of
Tomorrow Long-Term Retirement Fund:
In planning and performing our audit of the financial statements
of Tomorrow Long-Term Retirement Fund for the year ended December 31,
1997, we considered its internal control, including controls
over safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinion on the
financial statements and to comply with the requirements of
Form N-SAR, not to provide assurance on the internal control.
The management of Tomorrow Long-Term Retirement Fund is responsible
for establishing and maintaining internal control. In fulfilling
this responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit
pertain to the entity's objective of preparing financial statements
for external purposes that are fairly presented in conformity
with generally accepted accounting principles. Those controls
include the safeguarding of assets against unauthorized
acquisition, use, or disposition.
Because of inherent limitations in internal control, errors or
irregularities may occur and not be detected. Also, projection
of any evaluation of internal control to future periods is
subject to the risk that it may become inadequate because of
changes in conditions or that the effectiveness of the design
and operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American
Institute of Certified Public Accountants. A material
weakness is a condition in which the design or operation of
any specific internal control component does not reduce to
a relatively low level the risk that errors or irregularities
in amounts that would be material in relation to the financial
statements being audited may occur and not be detected within
a timely period by employees in the normal course of performing
their assigned functions. However, we noted no matters
involving the internal control, including controls over
safeguarding securities, that we consider to be material
weaknesses as defined above as of December 31, 1997.
This report is intended solely for the information and use of
management, the Board of Trustees of the Fund, and the
Securities and Exchange Commission.
January 19, 1998
Board of Trustees of
Tomorrow Medium-Term Retirement Fund:
In planning and performing our audit of the financial statements
of Tomorrow Medium-Term Retirement Fund for the year ended December
31, 1997, we considered its internal control, including controls
over safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinion on the
financial statements and to comply with the requirements of
Form N-SAR, not to provide assurance on the internal control.
The management of Tomorrow Medium-Term Retirement Fund is
responsible
for establishing and maintaining internal control. In fulfilling
this responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit
pertain to the entity's objective of preparing financial statements
for external purposes that are fairly presented in conformity
with generally accepted accounting principles. Those controls
include the safeguarding of assets against unauthorized
acquisition, use, or disposition.
Because of inherent limitations in internal control, errors or
irregularities may occur and not be detected. Also, projection
of any evaluation of internal control to future periods is
subject to the risk that it may become inadequate because of
changes in conditions or that the effectiveness of the design
and operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American
Institute of Certified Public Accountants. A material
weakness is a condition in which the design or operation of
any specific internal control component does not reduce to
a relatively low level the risk that errors or irregularities
in amounts that would be material in relation to the financial
statements being audited may occur and not be detected within
a timely period by employees in the normal course of performing
their assigned functions. However, we noted no matters
involving the internal control, including controls over
safeguarding securities, that we consider to be material
weaknesses as defined above as of December 31, 1997.
This report is intended solely for the information and use of
management, the Board of Trustees of the Fund, and the
Securities and Exchange Commission.
January 19, 1998
Board of Trustees of
Tomorrow Short-Term Retirement Fund:
In planning and performing our audit of the financial statements
of Tomorrow Short-Term Retirement Fund for the year ended December 31,
1997, we considered its internal control, including controls
over safeguarding securities, in order to determine our auditing
procedures for the purpose of expressing our opinion on the
financial statements and to comply with the requirements of
Form N-SAR, not to provide assurance on the internal control.
The management of Tomorrow Short-Term Retirement Fund is responsible
for establishing and maintaining internal control. In fulfilling
this responsibility, estimates and judgments by management are
required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit
pertain to the entity's objective of preparing financial statements
for external purposes that are fairly presented in conformity
with generally accepted accounting principles. Those controls
include the safeguarding of assets against unauthorized
acquisition, use, or disposition.
Because of inherent limitations in internal control, errors or
irregularities may occur and not be detected. Also, projection
of any evaluation of internal control to future periods is
subject to the risk that it may become inadequate because of
changes in conditions or that the effectiveness of the design
and operation may deteriorate.
Our consideration of internal control would not necessarily
disclose all matters in internal control that might be material
weaknesses under standards established by the American
Institute of Certified Public Accountants. A material
weakness is a condition in which the design or operation of
any specific internal control component does not reduce to
a relatively low level the risk that errors or irregularities
in amounts that would be material in relation to the financial
statements being audited may occur and not be detected within
a timely period by employees in the normal course of performing
their assigned functions. However, we noted no matters
involving the internal control, including controls over
safeguarding securities, that we consider to be material
weaknesses as defined above as of December 31, 1997.
This report is intended solely for the information and use of
management, the Board of Trustees of the Fund, and the
Securities and Exchange Commission.
January 19, 1998
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
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