<DOCUMENT>
<TYPE>EX-99.77D POLICIES
<SEQUENCE>4
<FILENAME>bylaws.txt
<DESCRIPTION>ARTICLE IV - COMMITTEES
<TEXT>
                                   Article IV
                                   COMMITTEES

Section 3. MEETINGS. Notice of committee meetings shall be given in the same
manner as notice for special meetings of the Board of Directors. Any two members
of the committee shall constitute a quorum for the transaction of business at
any meeting of the committee. The act of a majority of the committee members
present at a meeting shall be the act of such committee. The Board of Directors
may designate a chairman of any committee, and such chairman or any two members
of any committee (if there are at least two members of the committee) may fix
the time and place of its meeting unless the Board shall otherwise provide. In
the absence of any member of any such committee, the members thereof present at
any meeting, whether or not they constitute a quorum, may appoint another
Director to act in the place of such absent member. Each committee shall keep
minutes of its proceedings.

</TEXT>
</DOCUMENT>
