EXHIBIT 23(g)

                      TRANSFER AGENCY AND SERVICE AGREEMENT

                                     BETWEEN

               EACH OF THE ENTITIES, INDIVIDUALLY AND NOT JOINTLY,
                             AS LISTED ON SCHEDULE A

                                       AND

                      BOSTON FINANCIAL DATA SERVICES, INC.




                                TABLE OF CONTENTS

                                                                            Page
                                                                            ----

1.   Terms of Appointment and Duties...........................................1

2.   Third Party Administrators for Defined Contribution Plans ................6

3.   Fees and Expenses.........................................................7

4.   Representations and Warranties of the Transfer Agent......................9

5.   Representations and Warranties of the Funds...............................9

6.   Wire Transfer Operating Guidelines.......................................10

7.   Data Access and Proprietary Information..................................11

8.   Indemnification..........................................................13

9.   Standard of Care.........................................................14

10.  Confidentiality .........................................................15

11.  Covenants of the Funds and the Transfer Agent............................15

12.  Termination of Agreement.................................................16

13.  Assignment and Third Party Beneficiaries.................................18

14.  Subcontractors...........................................................19

15.  Miscellaneous............................................................19

16.  Additional Funds/Portfolios..............................................21

17.  Limitations of Liability of the Trustees and Shareholders................21

Schedule A             Funds and Portfolios
Schedule 1.2(f)        AML Delegation
Schedule 2.1           Third Party Administrator(s) Procedures
Schedule 3.1           Fees and Expenses




                      TRANSFER AGENCY AND SERVICE AGREEMENT

THIS AGREEMENT made as of the 1st day of January, 2006, by and between each of
the entities, individually and not jointly, listed on Schedule A having their
principal office and place of business at 2949 East Elvira Road, Suite 101,
Tucson, AZ 87506 (collectively, the "Funds" and individually, the "Fund") and
BOSTON FINANCIAL DATA SERVICES, INC., a Massachusetts corporation having its
principal office and place of business at Two Heritage Drive, North Quincy,
Massachusetts 02171 (the "Transfer Agent").

WHEREAS, certain Funds may be authorized to issue shares in a separate series,
such series shall be named under the respective Fund in the attached Schedule A,
which may be amended by the parties from time to time, (each such series,
together with all other series subsequently established by a Fund and made
subject to this Agreement in accordance with Section 16, being herein referred
to as a "Portfolio", and collectively as the "Portfolios");

WHEREAS, each Fund is either a statutory or business trust or a corporation
organized under the laws of a state (as set forth on the Schedule A) and
registered with the Securities and Exchange Commission as an investment company
pursuant to the Investment Company Act of 1940, as amended (the "1940 Act");

WHEREAS, it is contemplated that additional Funds and Portfolios may become
parties to this Agreement by written consent of the parties hereto and in
accordance with Section 16; and

WHEREAS, each Fund, on behalf of itself and, where applicable, its Portfolios,
desires to appoint the Transfer Agent as its transfer agent, dividend disbursing
agent and agent in connection with certain other activities, and the Transfer
Agent desires to accept such appointment.

NOW, THEREFORE, in consideration of the mutual covenants herein contained, the
parties hereto agree as follows:

1.      Terms of Appointment and Duties

 1.1    Transfer Agency Services. Subject to the terms and conditions set forth
        in this Agreement, each Fund, on behalf of itself and, where applicable,
        its Portfolios, hereby employs and appoints the Transfer Agent to act
        as, and the Transfer Agent agrees to act as, its transfer agent for each
        Fund's authorized and issued shares of common stock or beneficial
        interest, as the case maybe, ("Shares"), dividend disbursing agent and
        agent in connection with any accumulation, open-account or similar plan
        provided to the shareholders of each Fund and of any Portfolios of a
        Fund ("Shareholders") and set out in the currently effective prospectus
        and statement of additional information ("prospectus") of such Fund or
        Portfolio, including without limitation any periodic investment plan or
        periodic withdrawal program. In accordance with procedures established
        from time to time by agreement between the Transfer Agent and the Fund
        and their respective Portfolios, (the "Procedures") with such changes or
        deviations there from as have been (or may from time to time be) agreed
        upon in writing by the parties, the Transfer Agent agrees that it will
        perform the following services:




        (a) Establish each Shareholder's account in the Fund on the Transfer
        Agent's recordkeeping system and maintain such account for the benefit
        of such Shareholder in accordance with the Procedures;

        (b) Receive for acceptance and process orders for the purchase of
        Shares, and promptly deliver payment and appropriate documentation
        thereof to the Custodian of the Fund authorized pursuant to the
        organizational documents of the Fund (the "Custodian");

        (c) Pursuant to purchase orders, issue the appropriate number of Shares
        and hold such Shares in the appropriate Shareholder account;

        (d) Receive for acceptance and process redemption requests and
        redemption directions and deliver the appropriate documentation thereof
        to the Custodian;

        (e) In respect to items (a) through (d) above, the Transfer Agent may
        execute transactions directly with broker-dealers authorized by the
        Fund;

        (f) At the appropriate time as and when it receives monies paid to it by
        the Custodian with respect to any redemption, pay over or cause to be
        paid over in the appropriate manner such monies as instructed by the
        redeeming Shareholders;

        (g) Effect transfers of Shares by the registered owners thereof upon
        receipt of appropriate instructions;

        (h) Prepare and transmit payments for dividends and distributions
        declared by the Fund or any Portfolio thereof, as the case may be;

        (i) If applicable, issue replacement certificates for those certificates
        alleged to have been lost, stolen or destroyed upon receipt by the
        Transfer Agent of indemnification satisfactory to the Transfer Agent and
        protecting the Transfer Agent and the Fund, and the Transfer Agent at
        its option, may issue replacement certificates in place of mutilated
        stock certificates upon presentation thereof and without such indemnity;

        (j) Issue replacement checks and place stop orders on original checks
        based on Shareholder's representation that a check was not received or
        was lost. Such stop orders and replacements will be deemed to have been
        made at the request of the Fund, and, as between the Fund and the
        Transfer Agent, the Fund shall be responsible for all losses or claims
        resulting from such replacement;

        (k) Maintain records of account for and advise the Fund and its
        Shareholders as to the foregoing;

        (l) Record the issuance of Shares of the Fund and maintain pursuant to
        SEC Rule 17Ad-10(e) a record of the total number of Shares of the Fund
        which are authorized, based upon data provided to it by the Fund, and
        issued and outstanding. The Transfer Agent shall also provide the Fund
        on a regular basis with the total number of Shares


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        which are authorized and issued and outstanding and shall have no
        obligation, when recording the issuance of Shares, to monitor the
        issuance of such Shares or to take cognizance of any laws relating to
        the issue or sale of such Shares, which functions shall be the sole
        responsibility of the Fund;

        (m) Accept any information, records, documents, data, certificates,
        transaction requests by machine readable input, facsimile, CRT data
        entry and electronic instructions, including e-mail communications,
        which have been prepared, maintained or provided by the Fund or any
        other person or firm on behalf of the Fund or from broker-dealers of
        record or third-party administrators ("TPAs") on behalf of individual
        Shareholders. With respect to transaction requests received in the
        foregoing manner, the Transfer Agent shall not be responsible for
        determining that the original source documentation is in good order,
        which includes compliance with Rule 22c-1 under the 1940 Act, and it
        will be the responsibility of the Fund to require its broker-dealers or
        TPAs to retain such documentation. E-mail exchanges on routine matters
        may be made directly with the Fund's contact at the Transfer Agent. The
        Transfer Agent will not act on any e-mail communications coming to it
        directly from Shareholders requesting transactions, including, but not
        limited to, monetary transactions, change of ownership, or beneficiary
        changes;

        (n) Maintain such bank accounts as the Transfer Agent shall deem
        necessary for the performance of its duties hereunder, including by not
        limited to, the processing of Share purchases and redemptions and the
        payment of Fund dividends;

        (o) Receive correspondence pertaining to any former, existing or new
        Shareholder account, process such correspondence for proper
        recordkeeping and respond promptly to Shareholder correspondence;

        (p) Process any request from a Shareholder to change account
        registration, beneficiary, beneficiary information, transfer and
        rollovers in accordance with the Procedures; and

        (q) If requested by the Fund (and as mutually agreed upon by the parties
        as to any reasonable out-of-pocket expenses), provide any additional
        related services (i.e., pertaining to escheatments, abandoned property,
        garnishment orders, bankruptcy and divorce proceedings, Internal Revenue
        Service or state tax authority tax levies and summonses, and U.S.
        Treasury Office of Foreign Assets Control and all matters relating to
        the foregoing).

 1.2    Additional Services. In addition to, and neither in lieu nor in
        contravention of, the services set forth in the above paragraphs , the
        Transfer Agent shall perform the following services:

        (a) Other Customary Services. Perform the customary services of a
        transfer agent, dividend disbursing agent and, as relevant, agent in
        connection with accumulation, open-account or similar plan (including
        without limitation any periodic investment plan or periodic withdrawal
        program), including but not limited to: maintaining all


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        Shareholder accounts, preparing Shareholder meeting lists, mailing
        Shareholder reports and prospectuses to current Shareholders,
        withholding taxes on U.S. resident and non-resident alien accounts,
        preparing and filing U.S. Treasury Department Forms 1099 and other
        appropriate forms required with respect to dividends and distributions
        by federal authorities for all Shareholders, preparing and mailing
        confirmation forms and statements of account to Shareholders for all
        purchases and redemptions of Shares and other confirmable transactions
        in Shareholder accounts, preparing and mailing activity statements for
        Shareholders, and providing Shareholder account information;

        (b) Control Book (also known as "Super Sheet"). Maintain a daily record
        and produce a daily report for the Fund of all transactions and receipts
        and disbursements of money and securities and deliver a copy of such
        report for the Fund for each business day to the Fund no later than 9:00
        AM Eastern Time, or such earlier time as the Fund may reasonably
        require, on the next business day;

        (c) "Blue Sky" Reporting. The Fund shall (i) identify to the Transfer
        Agent in writing those transactions and assets to be treated as exempt
        from blue sky reporting for each State and (ii) verify the establishment
        of transactions for each State on the system prior to activation and
        thereafter monitor the daily activity for each State. The responsibility
        of the Transfer Agent for the Fund's blue sky State registration status
        is solely limited to the initial establishment of transactions subject
        to blue sky compliance by the Fund and providing a system which will
        enable the Fund to monitor the total number of Shares sold in each
        State;

        (d) National Securities Clearing Corporation (the "NSCC"). (i) accept
        and effectuate the registration and maintenance of accounts through
        Networking and the purchase, redemption, transfer and exchange of shares
        in such accounts through Fund/SERV (Networking and Fund/SERV being
        programs operated by the NSCC on behalf of NSCC's participants,
        including the Fund), in accordance with, instructions transmitted to and
        received by the Transfer Agent by transmission from NSCC on behalf of
        broker-dealers and banks which have been established by, or in
        accordance with the instructions of authorized persons, as hereinafter
        defined on the dealer file maintained by the Transfer Agent; (ii) issue
        instructions to Fund's banks for the settlement of transactions between
        the Fund and NSCC (acting on behalf of its broker-dealer and bank
        participants); (iii) provide account and transaction information from
        the affected Fund's records on DST Systems, Inc. computer system TA2000
        ("TA2000 System") in accordance with NSCC's Networking and Fund/SERV
        rules for those broker-dealers; and (iv) maintain Shareholder accounts
        on TA2000 System through Networking;

        (e) New Procedures. New procedures as to who shall provide certain of
        these services in Section 1 may be established in writing from time to
        time by agreement between the Fund and the Transfer Agent. The Transfer
        Agent may at times perform only a portion of these services and the Fund
        or its agent may perform these services on the Fund's behalf;

        (f) Anti-Money Laundering ("AML") Delegation. If the Fund elects to
        delegate to the Transfer Agent certain AML duties under this Agreement,
        the parties will agree to such


                                        4



        duties and terms as stated in the attached schedule ("Schedule 1.2(f)
        entitled "AML Delegation") which may be changed from time to time
        subject to mutual written agreement between the parties. In
        consideration of the performance of the duties by the Transfer Agent
        pursuant to this Section 1.2(f), the Fund agrees to pay the Transfer
        Agent for the reasonable administrative expense that may be associated
        with such additional duties in the amount as the parties may from time
        to time agree in writing in accordance with Section 3 (Fees and
        Expenses) below;

        (g) SAS70. The Transfer Agent will furnish to the Fund, at least
        annually, a report in accordance with Statements on Auditing Standards
        No. 70 (the "SAS70 Report") as well as such other reports and
        information relating to the Transfer Agent's policies and procedures and
        its compliance with such policies and procedures and with the laws
        applicable to its business and its services, as the Fund may reasonable
        request;

        (h) Compliance Program. The Transfer Agent maintains and will continue
        to maintain a comprehensive compliance program reasonably designed to
        prevent violations of the federal securities laws pursuant to Rule 38a-1
        under the 1940 Act. Pursuant to its compliance program, the Transfer
        Agent will provide periodic measurement reports to the Fund. Upon
        request of the Fund, the Transfer Agent will provide to the Fund in
        connection with any periodic annual or semi-annual shareholder report
        filed by the Fund or, in the absence of the filing of such reports, on
        quarterly basis, a sub-certification pursuant to the Sarbanes-Oxley Act
        of 2002 with respect to the Transfer Agent's performance of the services
        set forth in this Agreement and its internal controls related thereto.
        In addition, on a quarterly basis, the Transfer Agent will provide to
        the Fund a certification in connection with Rule 38a-1 under the 1940
        Act. The Transfer Agent reserves the right to amend and update its
        compliance program and the measurement tools and certifications provided
        thereunder from time to time in order to address changing regulatory and
        industry developments and the Fund agrees to pay the administrative fee
        associated with all of the foregoing; and

        (i) Performance of Certain Services by the Fund or Affiliates or Agents.
        New procedures as to who shall provide certain of the transfer agency
        and record-keeping related services may be established in writing from
        time to time by agreement between the Fund and the Transfer Agent. The
        Transfer Agent may at time perform only a portion of the services and
        the Fund, its affiliates or agents may perform certain services on the
        Fund's behalf.

 1.3    Inspection Rights. During the term of this Agreement, authorized
        representatives of the Fund may perform periodic on-site inspections,
        during transfer Agent's regular business hours, of the Transfer Agent's
        facilities, records and procedures solely as they pertain to the
        Transfer Agent's activities under or pursuant to this Agreement. Such
        inspections shall be conducted at the Fund's expense (which shall
        include costs related to providing materials, copying, faxing,
        retrieving stored materials, and similar expenses). The inspections
        shall be conducted in a manner that will not materially interfere with
        the Transfer Agent's normal and customary conduct of its business
        activities. Any such inspections shall be conducted in accordance with
        reasonable procedures and at


                                        5



        reasonable frequencies, not to exceed once any quarter. The Fund shall
        provide at least ten (10) business days advance notice to the Transfer
        Agent of such inspections.

 1.4    Facsimile Communications.

        (a) The Fund hereby authorizes and instructs the Transfer Agent, as
        transfer agent for its Portfolios listed on Schedule A: (i) to accept
        facsimile transaction requests on behalf of individual Shareholders
        received from broker/dealers of record, third-party administrators
        ("TPAs") or the Fund; (ii) that the broker/dealers, TPAs and the Fund
        are duly authorized to initiate such transactions on behalf of the
        Shareholders; and (iii) that the original source documentation is in
        good order and the broker/dealers, TPAs or the Fund will retain such
        documentation.

        (b) With regard to facsimile transaction requests for a change in wiring
        instructions or for redemptions, the proceeds of which are to be paid to
        third parties or wired to an account other than the account of record,
        the Transfer Agent will make a call back to a party at the Fund, other
        than the party transmitting the facsimile instruction. The Fund
        acknowledges that such a call back will be sufficient to verify the
        authenticity of such request.

 1.5    Post Cut-Off Processing.

The Fund authorizes and instructs the Transfer Agent, as transfer agent for its
Portfolios listed on Schedule A to accept, from time to time:

        (a) transaction requests by facsimile transmission that are transmitted
        to Boston Financial from the Fund after the daily closing time of the
        Fund and to act upon and process such transaction requests as of the
        date identified by the Fund on the cover page of such facsimile
        transmission. If the processing date is not clearly marked by the Fund,
        Boston Financial shall process such transaction on the next business
        day; and

        (b) transaction requests by Automated Work Distributor (AWD) that are
        returned to Boston Financial from the Fund with resolution of shareowner
        or broker generated issues, after the daily closing time of the Fund and
        to act upon and process such transaction requests as of the date
        identified by the Fund in the comments section of AWD. If the processing
        date is not clearly marked by the Fund, Boston Financial shall process
        such transactions on the next business day.

In submitting the foregoing transaction to Boston Financial, the Fund shall be
deemed to certify that such transactions were received in good order by the Fund
prior to the Fund's closing time and that the processing of such transactions by
Boston Financial will not violate the Fund's obligations under Rule 22c-1 and
the regulations promulgated thereunder. In connection with accepting and
processing the foregoing transactions, Boston Financial shall be entitled to
rely on such certifications.

2.      Third Party Administrators for Defined Contribution Plans

 2.1    The Fund may decide to make available to certain of its customers, a
        qualified plan program (the "Program") pursuant to which the customers
        ("Employers") may adopt certain plans of deferred compensation ("Plan or
        Plans") for the benefit of the individual


                                        6



        Plan participant (the "Plan Participant"), such Plan(s) being qualified
        under Section 401(a) of the Internal Revenue Code of 1986, as amended
        ("Code") and administered by TPAs which may be plan administrators as
        defined in the Employee Retirement Income Security Act of 1974, as
        amended.

 2.2    In accordance with the procedures established in the initial Schedule
        2.1 entitled "Third Party Administrator Procedures", as may be amended
        by the Transfer Agent and the Fund from time to time ("Schedule 2.1"),
        the Transfer Agent shall:

        (a) Treat Shareholder accounts established by the Plans in the name of
        the Trustees, Plans or TPAs as the case may be as omnibus accounts;

        (b) Maintain omnibus accounts on its records in the name of the TPA or
        its designee as the Trustee for the benefit of the Plan; and

        (c) Perform all services under Section 1 as transfer agent of the Funds
        and not as a record-keeper for the Plans.

 2.3    Transactions identified under Sections 1 and 2 of this Agreement shall
        be deemed exception services ("Exception Services") when such
        transactions:

        (a) Require the Transfer Agent to use methods and procedures other than
        those usually employed by the Transfer Agent to perform transfer agency
        and recordkeeping services;

        (b) Involve the provision of information to the Transfer Agent after the
        commencement of the nightly processing cycle of the TA2000 System; or

        (c) Require more manual intervention by the Transfer Agent, either in
        the entry of data or in the modification or amendment of reports
        generated by the TA2000 System than is normally required.

3.      Fees and Expenses

 3.1    Fee Schedule. For the performance by the Transfer Agent pursuant to this
        Agreement, the Fund agrees to pay the Transfer Agent the fee and
        expenses as set forth in the attached fee schedule ("Schedule 3.1").
        Such fees and out-of-pocket expenses and advances identified under
        Section 3.2 below may be changed from time to time subject to mutual
        written agreement between the Fund and the Transfer Agent. The parties
        agree that the fees set forth on Schedule 3.1 shall apply with respect
        to the Funds set forth on Schedule A hereto as of the date hereof and to
        any newly created funds added to this Agreement under Section 16 that
        have requirements consistent with services then being provided by the
        Transfer Agent under this Agreement. The fees set forth on Schedule 3.1,
        however, shall not automatically apply to any funds resulting from
        acquisition or merger subsequent to the execution of this Agreement. In
        the event that a fund is to become a party to this Agreement as the
        result of an acquisition or merger and such fund's shareholder records
        are, at the time of such acquisition or merger, maintained by the
        Transfer Agent or its affiliates (including, DST Systems, Inc., State
        Street Bank and


                                        7



        Trust Company or National Financial Data Services, Inc.), then the fund
        that is to become a party to this Agreement shall continue to pay the
        fees for the servicing of such fund as are set forth in the agreement(s)
        between such acquired/merged and the Transfer Agent and/or its
        affiliates, until the end of the then current term(s) of such
        agreements, at which time the parties shall discuss the fund's
        requirements in relation to the services provided under this Agreement
        and determine whether the fees under this Agreement shall apply to such
        fund. In the event a fund is to become a party to this Agreement that is
        the result of an acquisition or merger and such fund's shareholder
        records, at the time of such acquisition or merger, are maintained by a
        third party unaffiliated with the Transfer Agent, then the parties shall
        confer diligently and in good faith, and agree upon fees applicable to
        such fund.

 3.2    Out-of-Pocket Expenses. In addition to the fees paid under Section 3.1
        above, the Funds agree to reimburse the Transfer Agent for out-of-pocket
        expenses, including but not limited to the items set out in Schedule 3.1
        attached hereto. In addition, any other expenses incurred by the
        Transfer Agent at the request or with the consent of the Fund, will be
        reimbursed by the Fund.

 3.3    Postage. Postage for mailing of dividends, proxies, Fund reports and
        other mailings to all shareholder accounts shall be advanced to the
        Transfer Agent by the Fund at least seven (7) days prior to the mailing
        date of such materials.

 3.4    Invoices. The Fund agrees to pay all fees and reimbursable expenses
        within thirty (30) days following the receipt of the respective billing
        notice, except for any fees or expenses that are subject to good faith
        dispute. In the event of such a dispute, the Fund may only withhold that
        portion of the fee or expense subject to the good faith dispute. The
        Fund shall notify the Transfer Agent in writing within twenty-one (21)
        calendar days following the receipt of each billing notice if the Fund
        is disputing any amounts in good faith. If the Fund does not provide
        such notice of dispute within the required time, the billing notice will
        be deemed accepted by the Fund. The Fund shall settle such disputed
        amounts within five (5) days of the day on which the parties agree on
        the amount to be paid by payment of the agreed amount. If no agreement
        is reached, then such disputed amounts shall be settled as may be
        required by law or legal process.

 3.5    Late Payments. If any undisputed amount in an invoice of the Transfer
        Agent (for fees or reimbursable expenses) is not paid when due, the Fund
        shall pay the Transfer Agent interest thereon (from the due date to the
        date of payment) at a per annum rate equal to one percent (1.0%) plus
        the Prime Rate (that is, the base rate on corporate loans posted by
        large domestic banks) published by The Wall Street Journal (or, in the
        event such rate is not so published, a reasonably equivalent published
        rate selected by the Transfer Agent) on the first day of publication
        during the month when such amount was due. Notwithstanding any other
        provision hereof, such interest rate shall be no greater than permitted
        under applicable provisions of Massachusetts law.


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4.      Representations and Warranties of the Transfer Agent

The Transfer Agent represents and warrants to the Fund that:

 4.1    It is a corporation duly organized and existing and in good standing
        under the laws of The Commonwealth of Massachusetts.

 4.2    It is a duly registered as a transfer agent under Section 17A(c)(2) of
        the Securities Exchange Act of 1934, as amended (the "1934 Act"), and it
        will remain so registered for the duration of this Agreement. It will
        promptly notify the Fund in the event of any material change in its
        status as a registered transfer agent.

 4.3    It is duly qualified to carry on its business in The Commonwealth of
        Massachusetts.

 4.4    It is empowered under applicable laws and by its Articles of
        Organization and By-Laws to enter into and perform the services
        contemplated in this Agreement.

 4.5    All requisite corporate proceedings have been taken to authorize it to
        enter into and perform this Agreement.

 4.6    It has and will continue to have access to the necessary facilities,
        equipment and personnel to perform its duties and obligations under this
        Agreement.

5.      Representations and Warranties of the Fund

The Fund represents and warrants to the Transfer Agent that:

 5.1    It is a trust or corporation duly organized and existing and in good
        standing under the laws of the state of its organization as set forth on
        Schedule A.

 5.2    It is empowered under applicable laws and by its organizational
        documents to enter into and perform this Agreement.

 5.3    All corporate proceedings have been taken to authorize it to enter into
        and perform this Agreement.

 5.4    The Fund is an open-end management investment company registered under
        the 1940 Act.

 5.5    A registration statement under the Securities Act of 1933, as amended is
        currently effective and will remain effective, and appropriate state
        securities law filings have been made and will continue to be made, with
        respect to all Shares being offered for sale by the Fund.


                                        9



6.      Wire Transfer Operating Guidelines/Articles 4A of the Uniform Commercial
        Code

 6.1    Obligation of Sender. The Transfer Agent is authorized to promptly debit
        the appropriate Fund account(s) upon the receipt of a payment order in
        compliance with the selected security procedure (the "Security
        Procedure") chosen for funds transfer and in the amount of money that
        the Transfer Agent has been instructed to transfer. The Transfer Agent
        shall execute payment orders in compliance with the Security Procedure
        and with the Fund instructions on the execution date provided that such
        payment order is received by the customary deadline for processing such
        a request, unless the payment order specifies a later time. All payment
        orders and communications received after the customary deadline will be
        deemed to have been received the next business day.

 6.2    Security Procedure. The Fund acknowledges that the Security Procedure it
        has designated on the Fund Selection Form was selected by the Fund from
        security procedures offered by the Transfer Agent. The Fund shall
        restrict access to confidential information relating to the Security
        Procedure to authorized persons as communicated to the Transfer Agent in
        writing. The Fund must notify the Transfer Agent immediately if it has
        reason to believe unauthorized persons may have obtained access to such
        information or of any change in the Fund's authorized personnel. The
        Transfer Agent shall verify the authenticity of all Fund instructions
        according to the Security Procedure.

 6.3    Account Numbers. The Transfer Agent shall process all payment orders on
        the basis of the account number contained in the payment order. In the
        event of a discrepancy between any name indicated on the payment order
        and the account number, the account number shall take precedence and
        govern.

 6.4    Rejection. The Transfer Agent reserves the right to decline to process
        or delay the processing of a payment order which (a) is in excess of the
        collected balance in the account to be charged at the time of the
        Transfer Agent's receipt of such payment order; (b) if initiating such
        payment order would cause the Transfer Agent, in the Transfer Agent's
        sole judgment, to exceed any volume, aggregate dollar, network, time,
        credit or similar limits which are applicable to the Transfer Agent; or
        (c) if the Transfer Agent, in good faith, is unable to satisfy itself
        that the transaction has been properly authorized.

 6.5    Cancellation Amendment. The Transfer Agent shall use reasonable efforts
        to act on all authorized requests to cancel or amend payment orders
        received in compliance with the Security Procedure provided that such
        requests are received in a timely manner affording the Transfer Agent
        reasonable opportunity to act. However, the Transfer Agent assumes no
        liability if the request for amendment or cancellation cannot be
        satisfied.

 6.6    Errors. The Transfer Agent shall assume no responsibility for failure to
        detect any erroneous payment order provided that the Transfer Agent
        complies with the payment order instructions as received and the
        Transfer Agent complies with the Security Procedure. The Security
        Procedure is established for the purpose of authenticating payment
        orders only and not for the detection of errors in payment orders.


                                       10



 6.7    Interest. The Transfer Agent shall assume no responsibility for lost
        interest with respect to the refundable amount of any unauthorized
        payment order, unless the Transfer Agent is notified of the unauthorized
        payment order within thirty (30) days of notification by the Transfer
        Agent of the acceptance of such payment order.

 6.8    ACH Credit Entries/Provisional Payments. When the Fund initiates or
        receives Automated Clearing House credit and debit entries pursuant to
        these guidelines and the rules of the National Automated Clearing House
        Association and the New England Clearing House Association, State Street
        Bank and Trust Company will act as an Originating Depository Financial
        Institution and/or Receiving Depository Financial Institution, as the
        case may be, with respect to such entries. Credits given by the Transfer
        Agent with respect to an ACH credit entry are provisional until the
        Transfer Agent receives final settlement for such entry from the Federal
        Reserve Bank. If the Transfer Agent does not receive such final
        settlement, the Fund agrees that the Transfer Agent shall receive a
        refund of the amount credited to the Fund in connection with such entry,
        and the party making payment to the Fund via such entry shall not be
        deemed to have paid the amount of the entry.

 6.9    Confirmation. Confirmation of Transfer Agent's execution of payment
        orders shall ordinarily be provided within twenty four (24) hours notice
        of which may be delivered through the Transfer Agent's proprietary
        information systems, or by facsimile or call-back. Fund must report any
        objections to the execution of an order within thirty (30) days.

7.      Data Access and Proprietary Information

 7.1    The Fund acknowledges that the databases, computer programs, screen
        formats, report formats, interactive design techniques, and
        documentation manuals furnished to the Fund by the Transfer Agent as
        part of the Fund 's ability to access certain Fund-related data
        ("Customer Data") maintained by the Transfer Agent on databases under
        the control and ownership of the Transfer Agent or other third party
        ("Data Access Services") constitute copyrighted, trade secret, or other
        proprietary information (collectively, "Proprietary Information") of
        substantial value to the Transfer Agent or other third party. In no
        event shall Proprietary Information be deemed Customer Data. The Fund
        agrees to treat all Proprietary Information as proprietary to the
        Transfer Agent and further agrees that it shall not divulge any
        Proprietary Information to any person or organization except as may be
        provided hereunder. Without limiting the foregoing, the Fund agrees for
        itself and its employees and agents to:

        (a) Use such programs and databases (i) solely on the Fund's computers;
        (ii) solely from equipment at the location agreed to between the Fund
        and the Transfer Agent and (iii) solely in accordance with the Transfer
        Agent's applicable user documentation;

        (b) Refrain from copying or duplicating in any way (other than in the
        normal course of performing processing on the Fund's computer(s)), the
        Proprietary Information;


                                       11



        (c) Refrain from obtaining unauthorized access to any portion of the
        Proprietary Information, and if such access is inadvertently obtained,
        to inform the Transfer Agent in a timely manner of such fact and dispose
        of such information in accordance with the Transfer Agent's
        instructions;

        (d) Refrain from causing or allowing information transmitted from the
        Transfer Agent's computer to the Fund's terminal to be retransmitted to
        any other computer terminal or other device except as expressly
        permitted by the Transfer Agent (such permission not to be unreasonably
        withheld);

        (e) Allow the Fund to have access only to those authorized transactions
        as agreed to between the Fund and the Transfer Agent; and

        (f) Honor all reasonable written requests made by the Transfer Agent to
        protect at the Transfer Agent's expense the rights of the Transfer Agent
        in Proprietary Information at common law, under federal copyright law
        and under other federal or state law.

 7.2    Proprietary Information shall not include all or any portion of any of
        the foregoing items that: (i) are or become publicly available without
        breach of this Agreement; (ii) are released for general disclosure by a
        written release by the Transfer Agent; or (iii) are already in the
        possession of the receiving party at the time of receipt without
        obligation of confidentiality or breach of this Agreement.

 7.3    The Fund acknowledges that its obligation to protect the Transfer
        Agent's Proprietary Information is essential to the business interest of
        the Transfer Agent and that the disclosure of such Proprietary
        Information in breach of this Agreement would cause the Transfer Agent
        immediate, substantial and irreparable harm, the value of which would be
        extremely difficult to determine. Accordingly, the parties agree that,
        in addition to any other remedies that may be available in law, equity,
        or otherwise for the disclosure or use of the Proprietary Information in
        breach of this Agreement, the Transfer Agent shall be entitled to seek
        and obtain a temporary restraining order, injunctive relief, or other
        equitable relief against the continuance of such breach.

 7.4    If the Fund notifies the Transfer Agent that any of the Data Access
        Services do not operate in material compliance with the most recently
        issued user documentation for such services, the Transfer Agent shall
        endeavor in a timely manner to correct such failure. Organizations from
        which the Transfer Agent may obtain certain data included in the Data
        Access Services are solely responsible for the contents of such data and
        the Fund agrees to make no claim against the Transfer Agent arising out
        of the contents of such third-party data, including, but not limited to,
        the accuracy thereof. DATA ACCESS SERVICES AND ALL COMPUTER PROGRAMS AND
        SOFTWARE SPECIFICATIONS USED IN CONNECTION THEREWITH ARE PROVIDED ON AN
        AS IS, AS AVAILABLE BASIS. EXCEPT FOR WARRANTIES EXPRESSLY STATED
        HEREIN, THE TRANSFER AGENT EXPRESSLY DISCLAIMS ALL WARRANTIES INCLUDING,
        BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND
        FITNESS FOR A PARTICULAR PURPOSE. THOSE EXPRESSLY STATED HEREIN THE
        TRANSFER AGENT


                                       12



        EXPRESSLY DISCLAIMS ALL WARRANTIES INCLUDING, BUT NOT LIMITED TO, THE
        IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
        PURPOSE.

 7.5    If the transactions available to the Fund include the ability to
        originate electronic instructions to the Transfer Agent in order to (i)
        effect the transfer or movement of cash or Shares or (ii) transmit
        Shareholder information or other information, then in such event the
        Transfer Agent shall be entitled to rely on the validity and
        authenticity of such instruction without undertaking any further inquiry
        as long as such instruction is undertaken in conformity with security
        procedures established by the Transfer Agent from time to time.

 7.6    Each party shall take reasonable efforts to advise its employees of
        their obligations pursuant to this Section 7. The obligations of this
        Section shall survive any earlier termination of this Agreement.

8.      Indemnification

 8.1    The Transfer Agent shall not be responsible for, and the Fund shall
        indemnify and hold the Transfer Agent harmless, and with respect to
        Section 8.1(f) herein, also State Street Bank and Trust Company ("State
        Street"), from and against, any and all losses, damages, costs, charges,
        counsel fees (including the defense of any law suit in which the
        Transfer Agent or affiliate is a named party), payments, expenses and
        liability arising out of or attributable to:

        (a) All actions of the Transfer Agent or its agents or subcontractors
        required to be taken pursuant to this Agreement, provided that such
        actions are taken in good faith and without negligence or willful
        misconduct;

        (b) The Fund 's lack of good faith, negligence or willful misconduct;

        (c) The reliance upon, and any subsequent use of or action taken or
        omitted, by the Transfer Agent, or its agents or subcontractors on: (i)
        any information, records, documents, data, stock certificates or
        services, which are received by the Transfer Agent or its agents or
        subcontractors by machine readable input, facsimile, CRT data entry,
        electronic instructions, or other similar means authorized by the Fund,
        and which have been prepared, maintained or performed by the Fund or any
        other person or firm on behalf of the Fund including but not limited to
        any broker-dealer, TPA or previous transfer agent; (ii) any instructions
        or requests of the Fund or any of its officers; (iii) any instructions
        or opinions of legal counsel with respect to any matter arising in
        connection with the services to be performed by the Transfer Agent under
        this Agreement which are provided to the Transfer Agent by counsel to
        the Fund after consultation with such legal counsel and upon which
        instructions or opinion the Transfer Agent is expressly permitted to
        rely or opinions of legal counsel that are obtained by the Transfer
        Agent; or (iv) any paper or document, reasonably believed to be genuine,
        authentic, or signed by the proper person or persons;


                                       13



        (d) The offer or sale of Shares in violation of federal or state
        securities laws or regulations requiring that such Shares be registered,
        or in violation of any stop order or other determination or ruling by
        any federal or any state agency with respect to the offer or sale of
        such Shares;

        (e) The acceptance of facsimile transaction requests on behalf of
        individual Shareholders received from broker-dealers, TPAs or the Fund,
        and the reliance by the Transfer Agent on the broker-dealer, TPA or the
        Fund ensuring that the original source documentation is in good order
        and properly retained;

        (f) The negotiation and processing of any checks, wires and ACH
        transmissions including without limitation for deposit into, or credit
        to, the Fund's demand deposit account maintained by the Transfer Agent;
        or

        (g) Upon the Fund's request entering into any agreements required by the
        NSCC for the transmission of Fund or Shareholder data through the NSCC
        clearing systems.

 8.2    To the extent that the Transfer Agent is not entitled to indemnification
        pursuant to Section 8.1 above and only to the extent of such right, the
        Fund shall not be responsible for, and the Transfer Agent shall
        indemnify and hold the Fund harmless from and against any losses,
        damages, costs, charges, reasonable counsel fees, payments, expenses and
        liability arising directly out of or attributable to any action or
        failure of the Transfer Agent to act as a result of the Transfer's
        Agent's lack of good faith, negligence or willful misconduct in the
        performance of its services hereunder; provided, however, that the
        Transfer Agent shall not be deemed negligent and shall have acted in
        good faith and without willful misconduct if the Transfer Agent has
        followed the Procedures.

 8.3    In order that the indemnification provisions contained in this Section 8
        shall apply, upon the assertion of a claim for which one party may be
        required to indemnify the other party, the indemnified party shall
        promptly notify the indemnifying party of such assertion, and shall keep
        the indemnifying party advised with respect to all developments
        concerning such claim. The indemnifying party shall have the option to
        participate with the indemnified party in the defense of such claim or
        to defend against said claim in its own name or in the name of the
        indemnified party. The indemnified party shall in no case confess any
        claim or make any compromise in any case in which the indemnifying party
        may be required to indemnify the indemnified party except with the
        indemnifying party's prior written consent.

9.      Standard of Care

        The Transfer Agent shall at all times act in good faith and agrees to
        use its best efforts within reasonable limits to ensure the accuracy of
        all services performed under this Agreement, but assumes no
        responsibility and shall not be liable for loss or damage due to errors,
        including encoding and payment processing errors, unless said errors are
        caused by its negligence, bad faith, or willful misconduct or that of
        its employees or agents. The parties agree that any encoding or payment
        processing errors shall be governed by this standard of care and that
        Section 4-209 of the Uniform Commercial


                                       14




        Code is superseded by Section 9 of this Agreement. This standard of care
        also shall apply to Exception Services, as defined in Section 2.3
        herein, but shall take into consideration and make allowances for the
        manual processing and non-standard work involved in, and time sensitive
        nature of, Exception Services.

10.     Confidentiality

 10.1   The Transfer Agent and the Fund agree that they will not, at any time
        during the term of this Agreement or after its termination, reveal,
        divulge, or make known to any person, firm, corporation or other
        business organization, any customers' lists, trade secrets, cost figures
        and projections, profit figures and projections, or any other secret or
        confidential information whatsoever, whether of the Transfer Agent or of
        the Fund, used or gained by the Transfer Agent or the Fund during
        performance under this Agreement. The Fund and the Transfer Agent
        further covenant and agree to retain all such knowledge and information
        acquired during and after the term of this Agreement respecting such
        lists, trade secrets, or any secret or confidential information
        whatsoever in trust for the sole benefit of the Transfer Agent or the
        Fund and their successors and assigns. In the event of breach of the
        foregoing by either party, the remedies provided by Section 7.3 shall be
        available to the party whose confidential information is disclosed. The
        above prohibition of disclosure shall not apply to the extent that the
        Transfer Agent must disclose such data to its sub-contractor or Fund
        agent for purposes of providing services under this Agreement.

 10.2   In the event that any requests or demands are made for the inspection of
        the Shareholder records of the Fund, other than request for records of
        Shareholders pursuant to standard subpoenas from state or federal
        government authorities (i.e., divorce and criminal actions), the
        Transfer Agent will use reasonable efforts to notify the Fund (except
        where prohibited by law) and to secure instructions from an authorized
        officer of the Fund as to such inspection. The Transfer Agent expressly
        reserves the right, however, to exhibit the Shareholder records to any
        person whenever it is advised by counsel that it may be held liable for
        the failure to exhibit the Shareholder records to such person or if
        required by law or court order.

11.     Covenants of the Fund and the Transfer Agent

 11.1   The Fund shall promptly furnish to the Transfer Agent the following:

        (a) A certified copy of the resolution of the Board of Trustees or the
        Board of Directors, as the case may be, of the Fund authorizing the
        appointment of the Transfer Agent; and

        (b) A copy of the organizational documents of the Fund and all
        amendments thereto.

 11.2   The Transfer Agent hereby agrees to establish and maintain facilities
        and procedures reasonably acceptable to the Fund for safekeeping of
        stock certificates, check forms and facsimile signature imprinting
        devices, if any; and for the preparation or use, and for keeping account
        of, such certificates, forms and devices.


                                       15



 11.3   The Transfer Agent shall keep records relating to the services to be
        performed hereunder, in the form and manner as it may deem advisable. To
        the extent required by Section 31 of the 1940 Act and the rules
        thereunder, the Transfer Agent agrees that all such records prepared or
        maintained by the Transfer Agent relating to the services to be
        performed by the Transfer Agent hereunder are the property of the Fund
        and will be preserved, maintained and made available in accordance with
        such Section and rules, and will be surrendered promptly to the Fund on
        and in accordance with its request.

12.     Termination of Agreement

 12.1   Term. The initial term of this Agreement (the "Initial Term") shall be
        five (5) years from the date first stated above unless terminated
        pursuant to the provisions of this Section 12. The term may be renewed
        by mutual agreement of the Transfer Agent and the individual Fund for
        successive periods of one year each ("Renewal Term"). Either the
        Transfer Agent or the Fund shall give written notice to the other party
        one hundred twenty (120) days before the expiration of the Initial Term
        or of a Renewal Term if such party desires not to renew the term for an
        additional one year period. In the absence of such notice, the Agreement
        shall renew automatically for such one year term. In the event the Fund
        wishes to terminate this Agreement as to it prior to the expiration of
        the Initial Term or a Renewal Term, the Fund shall give one hundred
        twenty (120) days prior written notice to the Transfer Agent and shall
        be subject to the terms of this Section, including the payments
        applicable under Section 12.3. One hundred twenty (120) days before the
        expiration of the Initial Term or a Renewal Term, the Transfer Agent and
        the Fund will agree upon a Fee Schedule for the upcoming Renewal Term.
        Notwithstanding the termination or non-renewal of this Agreement, the
        terms and conditions of this Agreement shall continue to apply until the
        completion of Deconversion (defined below).

 12.2   Deconversion. In the event that this Agreement is terminated or not
        renewed for any reason by the Fund, the Transfer Agent agrees that, in
        order to provide for uninterrupted service to the Fund, the Transfer
        Agent, at Fund's request, shall offer reasonable assistance to the Fund
        in converting the Fund's records from the Transfer Agent's systems to
        whatever services or systems are designated by Fund (the
        "Deconversion"). Such Deconversion is subject to the recompense of the
        Transfer Agent for such assistance at its standard rates and fees in
        effect at the time and to a reasonable time frame for performance as
        agreed to by the parties. As used herein "reasonable assistance" and
        "transitional assistance" shall not include requiring the Transfer Agent
        (i) to assist any new service or system provider to modify, to alter, to
        enhance, or to improve such provider's system, or to provide any new
        functionality to such provider's system, (ii) to disclose any protected
        information of the Transfer Agent, or (iii) to develop Deconversion
        software, to modify any of the Transfer Agent's software, or to
        otherwise alter the format of the data as maintained on any provider's
        systems.


                                       16



 12.3   Termination or Non Renewal.

        (a) Outstanding Fees and Charges. In the event of termination or
        non-renewal of this Agreement by the Fund, the Fund will promptly pay
        the Transfer Agent all fees and charges for the services provided under
        this Agreement (i) which have been accrued and remain unpaid as of the
        date of such notice of termination or non-renewal and (ii) which
        thereafter accrue for the period through and including the date of
        Fund's Deconversion.

        (b) Deconversion Costs and Post-Deconversion Support Fees. In the event
        of termination or non-renewal of this Agreement by the Fund, the Fund
        shall pay the Transfer Agent for the Deconversion costs as noted in
        Section 12.2 and all reasonable fees and expenses for providing any
        support services that the Fund requests the Transfer Agent to provide
        post Deconversion, including but not limited to tax reporting and open
        issue resolution.

        (c) Early Termination for Convenience. In addition to the foregoing, in
        the event that the Fund terminates this Agreement prior to the end of
        the Initial Term or any Renewal Term other than due to the Transfer
        Agent's bankruptcy under Section 12.6 or for cause under Section 12.7,
        the Fund shall pay the Transfer Agent an amount equal to the average
        monthly fee paid by the Fund to the Transfer Agent under the Agreement
        multiplied by the number of months remaining in the Initial or Renewal
        Term and calculated as set forth on the then current Fee Schedule, on
        the date notice of termination was given to the Transfer Agent (the
        "Early Termination Fee").

 12.4   Confidential Information. Upon termination of this Agreement, each party
        shall return to the other party all copies of confidential or
        proprietary materials or information received from such other party
        hereunder, other than materials or information required to be retained
        by such party under applicable laws or regulations.

 12.5   Unpaid Invoices. The Transfer Agent may terminate this Agreement
        immediately upon an unpaid invoice payable by the Fund to the Transfer
        Agent being outstanding for more than ninety (90) days, except with
        respect to any amount subject to a good faith dispute within the meaning
        of Section 3.4 of this Agreement.

 12.6   Bankruptcy. Either party hereto may terminate this Agreement by notice
        to the other party, effective at any time specified therein, in the
        event that (a) the other party ceases to carry on its business or (b) an
        action is commenced by or against the other party under Title 11 of the
        United States Code or a receiver, conservator or similar officer is
        appointed for the other party and such suit, conservatorship or
        receivership is not discharged within thirty (30) days.

 12.7   Cause. If either of the parties hereto becomes in default in the
        performance of its duties or obligations hereunder and such default has
        a material adverse effect on the other party, then the non-defaulting
        party may give notice to the defaulting party specifying the nature of
        the default in sufficient detail to permit the defaulting party to
        identify and cure such default. If the defaulting party fails to cure
        such default within thirty (30) days of receipt of such notice, or
        within such other period of time as the parties may agree is necessary
        for such cure, then the non-defaulting party may terminate this


                                       17



        Agreement upon notice of not less than five (5) days to the defaulting
        party.

 12.8   The parties agree that the effective date of any Deconversion as a
        result of termination hereof shall not occur during the period from
        December 15th through March 1st of any year to avoid adversely impacting
        a year-end.

 12.9   Within thirty (30) days after completion of a Deconversion, the Fund
        will give notice to the Transfer Agent containing reasonable
        instructions regarding the disposition of tapes, data files, records,
        original source documentation or other property belonging to the Fund
        and then in the Transfer Agent's possession and shall make payment for
        the Transfer Agent's reasonable costs to comply with such notice. If the
        Fund fails to give that notice within thirty (30) days after termination
        of this Agreement, then the Transfer Agent may dispose of such property
        as it sees fit. The reasonable costs of any such disposition or of the
        continued storage of such tapes, data files, records, original source
        documentation or other properties shall be billed to, and within thirty
        (30) days of receipt of such invoice paid by, the Fund. Failure to pay
        such sums when due shall incur a late charge in accordance with Section
        3.5 of this Agreement

13.     Assignment and Third Party Beneficiaries

 13.1   Except as provided in Section 14.1 below neither this Agreement nor any
        rights or obligations hereunder may be assigned by either party without
        the written consent of the other party. Any attempt to do so in
        violation of this Section shall be void. Unless specifically stated to
        the contrary in any written consent to an assignment, no assignment will
        release or discharge the assignor from any duty or responsibility under
        this Agreement.

 13.2   Except as explicitly stated elsewhere in this Agreement, nothing under
        this Agreement shall be construed to give any rights or benefits in this
        Agreement to anyone other than the Transfer Agent and the Fund, and the
        duties and responsibilities undertaken pursuant to this Agreement shall
        be for the sole and exclusive benefit of the Transfer Agent and the
        Fund. This Agreement shall inure to the benefit of and be binding upon
        the parties and their respective permitted successors and assigns.

 13.3   This Agreement does not constitute an agreement for a partnership or
        joint venture between the Transfer Agent and the Fund. Other than as
        provided in Section 14.1 and Schedule 1.2(f), neither party shall make
        any commitments with third parties that are binding on the other party
        without the other party's prior written consent.


                                       18



14.     Subcontractors

 14.1   The Transfer Agent may, without further consent on the part of the Fund,
        subcontract for the performance hereof with an affiliate of the Transfer
        Agent which is duly registered as a transfer agent pursuant to Section
        17A(c)(2) of the 1934 Act or, with regard to print/mail services, to DST
        Output, Inc., an affiliate of the Transfer Agent; provided, however,
        that the Transfer Agent shall be fully responsible to the Fund for the
        acts and omissions of its affiliate as it is for its own acts and
        omissions. Notwithstanding the foregoing, if the Fund contracts for the
        performance of any services directly with an affiliate of the Transfer
        Agent, then the Transfer Agent shall not be responsible to the Fund for
        the acts and omissions of such affiliate with respect to such services.

 14.2   For purposes of this Agreement, unaffiliated third parties such as by
        way of example and not limitation, Airborne Services, Federal Express,
        United Parcel Service, the U.S. Mails, the NSCC and telecommunication
        companies, shall not be deemed to be subcontractors of the Transfer
        Agent.

15.     Miscellaneous

 15.1   Amendment. This Agreement may be amended or modified by a written
        agreement executed by both parties.

 15.2   Massachusetts Law to Apply. This Agreement shall be construed and the
        provisions thereof interpreted under and in accordance with the laws of
        The Commonwealth of Massachusetts.

 15.3   Force Majeure. In the event either party is unable to perform its
        obligations under the terms of this Agreement because of acts of God,
        acts of war or terrorism, strikes, equipment or transmission failure or
        damage reasonably beyond its control, or other causes reasonably beyond
        its control, such party shall not be liable for damages to the other for
        any damages resulting from such failure to perform or otherwise from
        such causes.

 15.4   Consequential Damages. Neither party to this Agreement shall be liable
        to the other party for special, indirect or consequential damages under
        any provision of this Agreement or for any special, indirect or
        consequential damages arising out of any act or failure to act
        hereunder.

 15.5   Survival. All provisions regarding indemnification, warranty, liability,
        and limits thereon, and confidentiality and/or protections of
        proprietary rights and trade secrets shall survive the termination of
        this Agreement.

 15.6   Severability. If any provision or provisions of this Agreement shall be
        held invalid, unlawful, or unenforceable, the validity, legality, and
        enforceability of the remaining provisions shall not in any way be
        affected or impaired.


                                       19



 15.7   Priorities Clause. In the event of any conflict, discrepancy or
        ambiguity between the terms and conditions contained in this Agreement
        and any Schedules or attachments hereto, the terms and conditions
        contained in this Agreement shall take precedence.

 15.8   Waiver. No waiver by either party or any breach or default of any of the
        covenants or conditions herein contained and performed by the other
        party shall be construed as a waiver of any succeeding breach of the
        same or of any other covenant or condition.

 15.9   Merger of Agreement. This Agreement constitutes the entire agreement
        between the parties hereto and supersedes any prior agreement with
        respect to the subject matter hereof whether oral or written.

 15.10  Counterparts. This Agreement may be executed by the parties hereto on
        any number of counterparts, and all of said counterparts taken together
        shall be deemed to constitute one and the same instrument.

 15.11. Reproduction of Documents. This Agreement and all schedules, exhibits,
        attachments and amendments hereto may be reproduced by any photographic,
        photostatic, microfilm, micro-card, miniature photographic or other
        similar process. The parties hereto each agree that any such
        reproduction shall be admissible in evidence as the original itself in
        any judicial or administrative proceeding, whether or not the original
        is in existence and whether or not such reproduction was made by a party
        in the regular course of business, and that any enlargement, facsimile
        or further reproduction shall likewise be admissible in evidence.

 15.12  Notices. All notices and other communications as required or permitted
        hereunder shall be in writing and sent by first class mail, postage
        prepaid, addressed as follows or to such other address or addresses of
        which the respective party shall have notified the other.

                   (a)    If to the Transfer Agent, to:

                          Boston Financial Data Services, Inc.
                          2 Heritage Drive, 4th Floor
                          North Quincy, Massachusetts 02171
                          Attention: Legal Department
                          Facsimile: (617) 483-2490

                   (b)    If to the Fund, to:

                          2949 E. Elvira Road, Suite 101
                          Tuscon, AZ 85706
                          Attention: Thomas Tays, Esq.
                          Facsimile: (520) 806-7601


                                       20



16.     Additional Portfolios/ Funds

 16.1   Additional Portfolios. In the event that a Fund establishes one or more
        series of Shares, in addition to those listed on the attached Schedule
        A, with respect to which it desires to have the Transfer Agent render
        services as transfer agent under the terms hereof, it shall so notify
        the Transfer Agent in writing, and if the Transfer Agent agrees in
        writing to provide such services, such series of Shares shall become a
        Portfolio hereunder by the parties amending the Schedule A to include
        the additional series.

 16.2   Additional Funds. In the event that an entity affiliated with the Funds,
        in addition to those listed on the Schedule A, desires to have the
        Transfer Agent render services as transfer agent under the terms hereof
        and the Transfer Agent agrees to provide such services, upon completion
        of an amended Schedule A signed by all parties to the Agreement, such
        entity shall become a Fund hereunder and any series thereof shall become
        a Portfolio hereunder.

17.     Limitations of Liability of the Trustees and Shareholders

        In the case where the Fund is a trust, a copy of the trust instrument
        (if applicable) is on file with the Secretary of the State of the state
        of its organization, and notice is hereby given that this instrument is
        executed on behalf of the trustees of the trust as trustees and not
        individually and that the obligations of this instrument are not binding
        upon any of the trustees or Shareholders individually but are binding
        only upon the assets and property of the trust.


                                       21



IN WITNESS WHEREOF, the parties hereto have caused this Agreement to be executed
in their names and on their behalf by and through their duly authorized
officers, as of the day and year first above written.

                                        EACH OF THE ENTITIES, INDIVIDUALLY
                                        AND NOT JOINTLY, AS LISTED ON SCHEDULE A


                                        By: ____________________________________

                                        Name: __________________________________

                                        Title: _________________________________
                                        As an Authorized Officer on behalf of
                                        each of the Funds indicated on
                                        Schedule A
ATTEST:

___________________________________


                                        BOSTON FINANCIAL DATA SERVICES, INC.


                                        By: ____________________________________

                                        Name: __________________________________

                                        Title: _________________________________

ATTEST:

___________________________________


                                       22



                                   SCHEDULE A

Davis New York Venture Fund, Inc., a corporation organized under the laws of the
State of Maryland
      Davis Global Fund
      Davis New York Venture Fund
      Davis Research Fund

Davis Series, Inc., a corporation organized under the laws of the State of
Maryland
      Davis Appreciation and Income Fund
      Davis Financial Fund
      Davis Government Bond Fund
      Davis Government Money Market Fund
      Davis Opportunity Fund
      Davis Real Estate Fund

Davis Variable Account Fund, Inc.
      Davis Value Portfolio
      Davis Real Estate Portfolio
      Davis Financial Portfolio

Selected American Shares, Inc., a corporation organized under the laws of the
State of Maryland

Selected Capital Preservation Trust, a business trust organized under the laws
of the State of Ohio

      Selected Daily Government Fund

Selected Special Shares, Inc., a corporation organized under the laws of the
State of Maryland

Clipper Fund, Inc., a corporation organized under the laws of the State of
California*
      Clipper Fund*

_____________________________
*Effective on or about 6/1/06, may become the Clipper Fund of the Clipper Funds
Trust, a Delaware statutory trust.

EACH OF THE ENTITIES, INDIVIDUALLY      BOSTON FINANCIAL DATA SERVICES,
AND NOT JOINTLY, AS LISTED ON           INC.
SCHEDULE A

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________
As an Authorized Officer on behalf
of each of the Funds indicated on
Schedule A


                                 Schedule A - 1



                                 SCHEDULE 1.2(F)
                                 AML DELEGATION
                               DATED _____________

1.      Delegation.

 1.1    Subject to the terms and conditions set forth in this Agreement, the
        Fund hereby delegates to the Transfer Agent those aspects of the Fund's
        Program that are set forth in Section 4 below (the "Delegated Duties").
        The Delegated Duties set forth in Section 4 may be amended, from time to
        time, by mutual agreement of the Fund and the Transfer Agent upon the
        execution by such parties of a revised Schedule 1.2(f) bearing a later
        date than the date hereof.

 1.2    The Transfer Agent agrees to perform such Delegated Duties, with respect
        to the ownership of shares in the Fund for which the Transfer Agent
        maintains the applicable shareholder information, subject to and in
        accordance with the terms and conditions of this Agreement.

2.      Consent to Examination. In connection with the performance by the
        Transfer Agent of the Delegated Duties, the Transfer Agent understands
        and acknowledges that the Fund remains responsible for assuring
        compliance with the USA PATRIOT Act and that the records the Transfer
        Agent maintains for the Fund relating to the AML Program may be subject,
        from time to time, to examination and/or inspection by federal
        regulators in order that the regulators may evaluate such compliance.
        The Transfer Agent hereby consents to such examination and/or inspection
        and agrees to cooperate with such federal examiners in connection with
        their review. For purposes of such examination and/or inspection, the
        Transfer Agent will use its best efforts to make available, during
        normal business hours and on reasonable notice all required records and
        information for review by such examiners.

3.      Limitation on Delegation. The Fund acknowledges and agrees that in
        accepting the delegation hereunder, the Transfer Agent is agreeing to
        perform only the Delegated Duties, as may be amended from time to time,
        and is not undertaking and shall not be responsible for any other aspect
        of the AML Program or for the overall compliance by the Fund with the
        USA PATRIOT Act or for any other matters that have not been delegated
        hereunder. Additionally, the parties acknowledge and agree that the
        Transfer Agent shall only be responsible for performing the Delegated
        Duties with respect to the ownership of, and transactions in, shares in
        the Fund for which the Transfer Agent maintains the applicable
        shareholder information.

4.      Delegated Duties

 4.1    Consistent with the services provided by the Transfer Agent and with
        respect to the ownership of shares in the Fund for which the Transfer
        Agent maintains the applicable shareholder information, the Transfer
        Agent shall:


                               Schedule 1.2(f) - 1



        (a) Submit all new account and registration maintenance transactions
        through the Office of Foreign Assets Control ("OFAC") database and such
        other lists or databases as may be required from time to time by
        applicable regulatory authorities;

        (b) Submit special payee checks through OFAC database;

        (c) Review redemption transactions that occur within thirty (30) days of
        account establishment or maintenance;

        (d) Review wires sent pursuant to banking instructions other than those
        on file with the Transfer Agent;

        (e) Review accounts with small balances followed by large purchases;

        (f) Review accounts with frequent activity within a specified date range
        followed by a large redemption;

        (g) On a daily basis, review purchase and redemption activity per tax
        identification number ("TIN") within the Fund to determine if activity
        for that TIN exceeded the $100,000 threshold on any given day;

        (h) Compare all new accounts and registration maintenance through the
        DST Known Offenders database and notify the Fund of any match;

        (i) Monitor and track cash equivalents under $10,000 for a rolling
        twelve-month period and file IRS Form 8300 and issue the Shareholder
        notices required by the IRS;

        (j) Determine when a suspicious activity report ("SAR") should be filed
        as required by regulations applicable to mutual funds; prepare and file
        the SAR. Provide the Fund with a copy of the SAR within a reasonable
        time after filing; notify the Fund if any further communication is
        received from U.S. Department of the Treasury or other law enforcement
        agencies regarding the SAR;

        (k) Compare account information to any FinCEN request received by the
        Fund and provided to the Transfer Agent pursuant to USA PATRIOT Act Sec.
        314(a). Provide the Fund with documents/information necessary to respond
        to requests under USA PATRIOT Act Sec. 314(a) within required time
        frames; and

        (l) (i) Verify the identity of any person seeking to open an account
        with the Fund, (ii) Maintain records of the information used to verify
        the person's identity and (iii) Determine whether the person appears on
        any lists of known or suspected terrorists or terrorists organizations
        provided to the Fund by any government agency.

 4.2    In the event that the Transfer Agent detects activity as a result of the
        foregoing procedures, which necessitates the filing by the Transfer
        Agent of a SAR, a Form 8300 or other similar report or notice to OFAC,
        then the Transfer Agent shall also immediately notify the Fund, unless
        prohibited by applicable law.


                               Schedule 1.2(f) - 2



EACH OF THE ENTITIES, INDIVIDUALLY      BOSTON FINANCIAL DATA SERVICES,
AND NOT JOINTLY, AS LISTED ON           INC.
SCHEDULE A

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________

As an Authorized Officer on behalf
of each of the Funds indicated on
Schedule A


                               Schedule 1.2(f) - 3



                                  SCHEDULE 2.1

                     THIRD PARTY ADMINISTRATOR(S) PROCEDURES

                               Dated _____________

1.      On each day on which both the New York Stock Exchange and the Fund are
        open for business (a "Business Day"), the TPA(s) shall receive, on
        behalf of and as agent of the Fund, Instructions (as hereinafter
        defined) from the Plan. Instructions shall mean as to the Fund (i)
        orders by the Plan for the purchases of Shares, and (ii) requests by the
        Plan for the redemption of Shares; in each case based on the Plan's
        receipt of purchase orders and redemption requests by Participants in
        proper form by the time required by the term of the Plan, but not later
        than the time of day at which the net asset value of the Fund is
        calculated, as described from time to time in the Fund's prospectus.
        Each Business Day on which the TPA receives Instructions shall be a
        "Trade Date".

2.      The TPA(s) shall communicate the TPA(s)'s acceptance of such
        Instructions, to the applicable Plan.

3.      On the next succeeding Business Day following the Trade Date on which it
        accepted Instructions for the purchase and redemption of Shares, (TD+1),
        the TPA(s) shall notify the Transfer Agent of the net amount of such
        purchases or redemptions, as the case may be, for each of the Plans. In
        the case of net purchases by any Plan, the TPA(s) shall instruct the
        Trustees of such Plan to transmit the aggregate purchase price for
        Shares by wire transfer to the Transfer Agent on (TD+1). In the case of
        net redemptions by any Plan, the TPA(s) shall instruct the Fund's
        custodian to transmit the aggregate redemption proceeds for Shares by
        wire transfer to the Trustees of such Plan on (TD+1). The times at which
        such notification and transmission shall occur on (TD+1) shall be as
        mutually agreed upon by the Fund, the TPA(s), and the Transfer Agent.

4.      The TPA(s) shall maintain separate records for each Plan, which record
        shall reflect Shares purchased and redeemed, including the date and
        price for all transactions, and Share balances. The TPA(s) shall
        maintain on behalf of each of the Plans a single master account with the
        Transfer Agent and such account shall be in the name of that Plan, the
        TPA(s), or the nominee of either thereof as the record owner of Shares
        owned by such Plan.

5.      The TPA(s) shall maintain records of all proceeds of redemptions of
        Shares and all other distributions not reinvested in Shares.

6.      The TPA(s) shall prepare, and transmit to each of the Plans, periodic
        account statements showing the total number of Shares owned by that Plan
        as of the statement closing date, purchases and redemptions of Shares by
        the Plan during the period covered by the statement, and the dividends
        and other distributions paid to the Plan on Shares during the statement
        period (whether paid in cash or reinvested in Shares).

7.      The TPA(s) shall, at the request and expense of the Fund, transmit to
        the Plans prospectuses, proxy materials, reports, and other information
        provided by the Fund for delivery to its shareholders.


                                Schedule 2.1 - 1



                                  SCHEDULE 2.1

                     THIRD PARTY ADMINISTRATOR(S) PROCEDURES

                               Dated _____________

8.      The TPA(s) shall, at the request of the Fund, prepare and transmit to
        the Fund or any agent designated by it such periodic reports covering
        Shares of each Plan as the Fund shall reasonably conclude are necessary
        to enable the Fund to comply with state Blue Sky requirements.

9.      The TPA(s) shall transmit to the Plans confirmation of purchase orders
        and redemption requests placed by the Plans; and

10.     The TPA(s) shall, with respect to Shares, maintain account balance
        information for the Plan(s) and daily and monthly purchase summaries
        expressed in Shares and dollar amounts.

11.     Plan sponsors may request, or the law may require, that prospectuses,
        proxy materials, periodic reports and other materials relating to the
        Fund be furnished to Participants in which event the Transfer Agent or
        the Fund shall mail or cause to be mailed such materials to
        Participants. With respect to any such mailing, the TPA(s) shall, at the
        request of the Transfer Agent or the Fund, provide at the TPA(s)'s
        expense a complete and accurate set of mailing labels with the name and
        address of each Participant having an interest through the Plans in
        Shares.

EACH OF THE ENTITIES, INDIVIDUALLY      BOSTON FINANCIAL DATA SERVICES,
AND NOT JOINTLY, AS LISTED ON           INC.
SCHEDULE A

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________
As an Authorized Officer on behalf
of each of the Funds indicated on
Schedule A


                                Schedule 2.1 - 2



                                  SCHEDULE 3.1
                                FEES AND EXPENSES
            DAVIS SERIES, INC. AND DAVIS NEW YORK VENTURE FUND, INC.
                 Effective January 1, 2006 to December 31, 2010

General: Fees are billable on a monthly basis at the rate of 1/12 of the annual
fee. A charge is made for an account in the month that an account opens or
closes.

Annual Base Fee:*                   $605,000
* The Annual Base Fee will increase by $7,500 per CUSIP added during the Initial
Term or any Renewal Term.

Annual Account Fees:
Direct Accounts                     $16.25 per account
Closed Accounts                     $1.55 per account
Network Level 3 Account             $5.50 per account

Transaction Fees:
New Account Set-up                  $4.00 per account
Checkwriting Redemption             $1.00 each
Confirmed Trades                    $1.00 each

Other Fees:
Investor Linkage                    $1.80 per investor

Fiduciary Fees:
Account Set-up Fee                  $10.00 per account
Annual Maintenance Fee**            $15.00 per plan per social security number

**Paid by the Shareholder; waived if total assets equal or exceed $50,000.

Balance Earning Credits:

All balance earnings credits received by Boston Financial in connection with
Fund demand deposit accounts (net of expenses and fees deducted by State Street
Bank and Trust Company) will be used to offset transfer agency fees hereunder.

Out-of-Pocket Expenses                            Billed as Incurred

Out-of-Pocket expenses include, but are not limited to: postage, post office box
rental, checkwriting postage, Compliance+ program, supplies, statements,
checkwriting, print and mailing services, information disc (year end), TINS,
average cost, data communications equipment, COOL (computer output on-line),
microfiche, freight, telephone charges, fax lines, 800 line charges, TA2000
voice, disaster recovery, offsite storage, Vax payroll processing, state tax
reporting, Fund/SERV, AWD remote workstations, excess history, Fan Mail, Fan
Web, jumbo processing, lost shareholder searches, lost shareholder tracking,
Powerselect, Vision, escheatment, year-end forms, programming hours (as set
forth above), on-request reports, Shareholder proxy services, CIP-related search
charges and other expenses incurred at the specific direction of the Fund or
with advance written notice to the Fund.


                                Schedule 3.1 - 1



DAVIS SERIES, INC.                      BOSTON FINANCIAL DATA SERVICES,
DAVIS NEW YORK VENTURE FUND, INC.       INC.

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________
As an Authorized Officer of each
Fund above, individually and not
jointly


                                Schedule 3.1 - 2



                                  SCHEDULE 3.1
                                FEES AND EXPENSES
                        DAVIS VARIABLE ACCOUNT FUND, INC.
                 Effective January 1, 2006 to December 31, 2010

General: Fees are billable on a monthly basis at the rate of 1/12 of the annual
fee.

Annual Base Fee (3 Cusips @$7,500 per Cusip):*      $22,500

* The Annual Base Fee will increase by $7,500 per CUSIP added during the Initial
Term or any Renewal Term.

Balance Earning Credits:

All balance earnings credits received by Boston Financial in connection with
Fund demand deposit accounts (net of expenses and fees deducted by State Street
Bank and Trust Company) will be used to offset transfer agency fees hereunder.

Out-of-Pocket Expenses                            Billed as Incurred

Out-of-Pocket expenses include, but are not limited to: postage, post office box
rental, checkwriting postage, Compliance+ program, supplies, statements,
checkwriting, print and mailing services, information disc (year end), TINS,
average cost, data communications equipment, COOL (computer output on-line),
microfiche, freight, telephone charges, fax lines, 800 line charges, TA2000
voice, disaster recovery, offsite storage, Vax payroll processing, state tax
reporting, Fund/SERV, AWD remote workstations, excess history, Fan Mail, Fan
Web, jumbo processing, lost shareholder searches, lost shareholder tracking,
Powerselect, Vision, escheatment, year-end forms, programming hours (as set
forth above), on-request reports, Shareholder proxy services, CIP-related search
charges and other expenses incurred at the specific direction of the Fund or
with advance written notice to the Fund.

DAVIS VARIABLE ACCOUNT FUND, INC.       BOSTON FINANCIAL DATA SERVICES,
                                        INC.

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________


                                Schedule 3.1 - 3



                                  SCHEDULE 3.1
                                FEES AND EXPENSES
     SELECTED AMERICAN SHARES, INC., SELECTED CAPITAL PRESERVATION TRUST AND
                          SELECTED SPECIAL SHARES, INC.
                 Effective January 1, 2006 to December 31, 2010

General: Fees are billable on a monthly basis at the rate of 1/12 of the annual
fee. A charge is made for an account in the month that an account opens or
closes.

Annual Base Fee:*                   $65,000

*Note: The Annual Base Fee will increase by $7,500 per CUSIP added during the
Initial Term or any Renewal Term.

Annual Account Fees:
Direct Accounts                     $9.25 per account
Closed Accounts                     $1.55 per account
Network Level 3 Account             $4.50 per account

Transaction Fees:
New Account Set-up                  $4.00 per account
Checkwriting Redemption             $1.00 each
Confirmed Trades                    $1.00 each

Other Fees:
Investor Linkage                    $1.80 per investor

Fiduciary Fees:
Account Set-up Fee                  $10.00 per account
Annual Maintenance Fee**            $15.00 per plan per social security number

**Paid by Shareholder; waived if total assets equal or exceed $50,000.

Balance Earning Credits:

All balance earnings credits received by Boston Financial in connection with
Fund demand deposit accounts (net of expenses and fees deducted by State Street
Bank and Trust Company) will be used to offset transfer agency fees hereunder.

Out-of-Pocket Expenses                            Billed as Incurred

Out-of-Pocket expenses include, but are not limited to: postage, post office box
rental, checkwriting postage, Compliance+ program, supplies, statements,
checkwriting, print and mailing services, information disc (year end), TINS,
average cost, data communications equipment, COOL (computer output on-line),
microfiche, freight, telephone charges, fax lines, 800 line charges, TA2000
voice, disaster recovery, offsite storage, Vax payroll processing, state tax
reporting, Fund/SERV, AWD remote workstations, excess history, Fan Mail, Fan
Web, jumbo processing, lost shareholder searches, lost shareholder tracking,
Powerselect, Vision, escheatment, year-end forms, programming hours (as set
forth above), on-request reports,


                                Schedule 3.1 - 4



 Shareholder proxy services, CIP-related search
charges and other expenses incurred at the specific direction of the Fund or
with advance written notice to the Fund.

SELECTED AMERICAN SHARES, INC.          BOSTON FINANCIAL DATA SERVICES,
SELECTED CAPITAL PRESERVATION           INC.
TRUST
SELECTED SPECIAL SHARES, INC.

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________
As an Authorized Officer of each
Fund above, individually and
not jointly


                                Schedule 3.1 - 5



                                  SCHEDULE 3.1
                                FEES AND EXPENSES
                               CLIPPER FUND, INC.
                 Effective January 1, 2006 to December 31, 2010

General: Fees are billable on a monthly basis at the rate of 1/12 of the annual
fee. A charge is made for an account in the month that an account opens or
closes.

Annual Base Fee:*                   $150,000

* The Annual Base Fee will increase by $7,500 per CUSIP added during the Initial
Term or any Renewal Term.

Annual Account Fees:
Direct Accounts                     $9.75 per account
Closed Accounts                     $1.55 per account
Network Level 3 Account             $5.75 per account

Transaction Fees:
New Account Set-up                  $4.00 per account
Checkwriting Redemption             $1.00 each
Confirmed Trades                    $1.00 each
Manual Transactions                 $2.00 each

Other Fees:
Investor Linkage                    $1.80 per investor

Fiduciary Fees:
Account Set-up Fee                  $10.00 per account
Annual Maintenance Fee**            $10.00 per account

** Paid by the shareholder

Balance Earning Credits:
All balance earnings credits received by Boston Financial in connection with
Fund demand deposit accounts (net of expenses and fees deducted by State Street
Bank and Trust Company) will be used to offset transfer agency fees hereunder.

Out-of-Pocket Expenses                            Billed as Incurred

Out-of-Pocket expenses include, but are not limited to: postage, post office box
rental, checkwriting postage, Compliance+ program, supplies, statements,
checkwriting, print and mailing services, information disc (year end), TINS,
average cost, data communications equipment, COOL (computer output on-line),
microfiche, freight, telephone charges, fax lines, 800 line charges, TA2000
voice, disaster recovery, offsite storage, Vax payroll processing, state tax
reporting, Fund/SERV, AWD remote workstations, excess history, Fan Mail, Fan
Web, jumbo processing, lost shareholder searches, lost shareholder tracking,
Powerselect, Vision, escheatment, year-end forms, programming hours (as set
forth above), on-request reports, Shareholder proxy services, CIP-related search
charges and other expenses incurred at the


                                Schedule 3.1 - 6



specific direction of the Fund or with advance written notice to the Fund.

CLIPPER FUND, INC.                      BOSTON FINANCIAL DATA SERVICES,
                                        INC.

By: _______________________________     By: ____________________________________

Name: _____________________________     Name: __________________________________

Title: ____________________________     Title: _________________________________


                                Schedule 3.1 - 7