As with all mutual funds, the Securities and Exchange Commission has not judged
whether the funds of the John Hancock Variable Series Trust I are good
investments or whether the information in this prospectus is adequate and
accurate. Anyone who tells you otherwise is committing a federal crime.
This prospectus contains important information about the Series I and Series II
shares of the International Equity Index Fund.
JOHN HANCOCK
VARIABLE SERIES TRUST I
May 1, 2004
PROSPECTUS
Series I and Series II shares
International Equity Index Fund
Managed by John Hancock Life Insurance Company
John Hancock Place
Boston, MA 02117
Contents
- --------------------------------------------------------------------------------
John Hancock Variable Series Overview 1
Trust I ("Trust")
A summary of the Fund's goals, International Equity Index Fund 5
strategies and risks.
Policies and instructions for opening, Your Account 7
maintaining and closing an account in Investments in shares of the fund 7
the Fund Share price 7
Valuation 7
Conflicts 7
Further information on the funds Fund's Expenses 8
Dividends and Taxes 8
Dividends 8
Taxes 8
Share Classes 8
Financial Highlights 10
Further information on the Trust Trust Business Structure 12
For more information back cover
Overview
- --------------------------------------------------------------------------------
FUND INFORMATION KEY
A concise description of the International Equity Index Fund begins on page .
The description provides the following information:
Goal and Strategy The Fund's particular investment goals and the principal
strategies it intends to use in pursuing those goals.
Subadviser/Manager The firm and individual(s) providing investment management
services to the Fund.
Past Performance The Fund's total return, measured year-by-year and over time.
Main Risks The significant risk factors associated with the Fund. The risks are
categorized as "Primary" or "Secondary". The Primary Risks are considered major
factors in the Fund's performance and are described first. The Secondary Risks
are not considered major factors in the Fund's performance because the Fund
would not normally commit a large portion of its assets to the investments
involved. However, the Secondary Risks are of such a nature that they could
significantly affect the Fund's performance, even if the investments are held in
relatively small amounts.
Fees and Expenses A table describes the Fund's fees and expenses and examples
show the costs over time.
THE FUND
The Trust offers Series I and Series II shares of the International Equity Index
Fund, for the variable contracts ("variable contracts") of:
.. The Manufacturers Life Insurance Company of New York
.. The Manufacturers Life Insurance Company (U.S.A.), and
In some variable contract forms, the Trust may be referred to by some other term
(such as the "Fund" or "Series Fund") and the International Equity Index Fund
may also be referred to by some other term (such as "Portfolio" or "Series").
RISKS OF FUND
This Fund, like all mutual funds, is not a bank account. The Fund's value is not
insured or guaranteed by the FDIC or any other government agency. You could lose
money by investing in this Fund. So, be sure to read all risk disclosure
carefully before investing.
MANAGEMENT
John Hancock Life Insurance Company ("John Hancock") is the investment adviser
for the International Equity Index Fund and for other funds of the Trust. John
Hancock is a Massachusetts stock life insurance company.
On February 1, 2000, John Hancock changed its form of organization by
"demutualizing" and becoming a subsidiary of John Hancock Financial Services,
Inc. ("JHFS"). Prior to that date, John Hancock was "John Hancock Mutual Life
Insurance Company," a mutual life insurance company that was chartered in 1862.
At the end of 2003, JHFS and its subsidiaries (including John Hancock) managed
approximately $142.5 billion in assets, of which it owned approximately $100.1
billion.
In April 2004, JHFS was merged with a subsidiary of Manulife Financial
Corporation, a publicly-traded corporation organized under the laws of Canada.
As a consequence of the merger, John Hancock's ultimate parent is now Manulife
Financial Corporation.
The International Equity Index Fund may have one or more subadvisers. John
Hancock recommends subadvisers for all of the funds to the Trust, and oversees
and evaluates the subadvisers' performance. To do this, John Hancock uses both
quantitative and qualitative tools to evaluate investment expertise,
performance, diversification, style consistency and risk. This evaluation
typically includes on-site due diligence meetings with subadvisers, periodic
face-to-face meetings and other communication. While short-term investment
performance is monitored, it is not the primary factor in the selection or
termination of a subadviser. John Hancock also oversees the allocation of a
fund's assets between and among subadvisers for those funds of the Trust that
are "multi-managed," and manages the Trust's joint trading account for various
funds' liquidity reserves.
Each subadviser has discretion to purchase and sell securities for the fund, or
the portion of the fund, that it manages. While employing their own investment
approach in managing a Fund, each subadviser must also adhere to that fund's
investment goals, strategies and restrictions.
1
This page intentionally left blank
2
Your Investment Choices
- --------------------------------------------------------------------------------
The Trust offers a number of investment choices, or funds, to suit a variety of
objectives under variable contracts. This prospectus describes a Fund that is
available under your variable contract. The Fund can be broadly categorized as
an international/global fund. Within this broad category, the Fund can be
further categorized as follows:
INTERNATIONAL EQUITY FUNDS
International funds invest primarily in securities markets outside the
United States. These funds can be categorized by the types of markets
theyinvest in.
Developed Markets:
..International Equity Index Fund These funds invest primarily in the
larger, well-established developed or
industrialized markets around the
world. These funds have a lower level
of foreign securities risk than
emerging market funds. (Emerging market
funds invest primarily in developing or
emerging markets.)
ADDITIONAL INFORMATION
Manager of Managers Arrangement
A "manager of managers" arrangement is now quite common among mutual funds that
employ subadvisers to manage investment portfolios. This type of arrangement
allows a fund, its overall investment manager and the fund's subadviser to enter
into various new or amended sub-investment management agreements without the
need to obtain additional shareholder and contract owner approval.
This arrangement permits John Hancock and the Trust, under certain
circumstances, to select or change subadvisers, enter into new agreements with
subadvisers or amend existing agreements with subadvisers, without first
obtaining shareholder approval. (The Fund must still obtain shareholder approval
of any agreement with a subadviser that is an affiliate of John Hancock.) John
Hancock believes that the arrangement permits changes in subadvisory
arrangements faster and at lower cost, since the need for the Fund to seek
additional shareholder approval for such changes will be reduced. Shareholders
for the Fund previously approved the arrangement.
Shareholders of the Fund will be notified of any changes in the subadviser to
the Fund.
General Information
In the following pages, any strategy that is stated as a percentage of a fund's
assets applies at all times, not just at the time the fund buys or sells an
investment security. However, the Fund may be allowed to temporarily deviate
from its normal strategy (1) to avoid unnecessary transaction costs when markets
are are unusually volatile, or (2) when the Fund experiences unusually large
cash flows. In addition, investments in a company whose market capitalization
was within the range of market capitalizations under a fund's 80% investment
policy at the time of purchase may continue to be considered within that range
even after the publisher of an index changes the constituents used by the fund
to measure market capitalization. The fund may not achieve its investment
objectives when taking any of these measures. The trustees of the Trust can
change the investment goals and strategy of the Fund without shareholder (i.e.,
contractowner) approval.
If the total investment return for the Fund for any given year appears unusually
high, the return may be attributable to unusually favorable market conditions
which will probably not be sustainable. For instance, a high total investment
return may reflect participation in IPOs, "hot" industries (e.g.,
internet-related companies), private placements and/or leveraging investment
techniques during the period indicated. There is no assurance that any of those
methods, or any other investment technique, will continue to have the same
impact on the Fund's total investment returns.
In this prospectus, the term "stock" is used as a shorthand reference for equity
investments generally and the term "bond" is used as a shorthand reference for
debt obligations generally.
3
International Equity Index Fund
GOAL AND STRATEGY
This is an international stock fund that seeks to track the performance of a
broad-based equity index of foreign companies primarily in developed countries
and, to a lesser extent, in emerging market countries.
The Fund seeks to invest more than 80% of its assets in securities included in
the Morgan Stanley Capital International All Country World Excluding U.S.
("MSCI ACW ex-US") Index. The MSCI ACW ex-US Index is a well known
international stock market index that, as of December 31, 2003, included
approximately 1,700 securities listed on the stock exchanges of 48 developed
and emerging market countries (but not the United States).
The manager employs a passive management strategy by normally investing in all
stocks included in the MSCI ACW ex-US Index. The manager normally invests in
each stock in roughly the same proportion as represented in the Index. The
manager seeks to replicate as closely as possible the aggregate risk
characteristics and country diversification of the Index. The Index composition
changes from time to time. The manager will reflect those changes as soon as
practical.
The Fund is normally fully invested. The manager may invest in stock index
futures to maintain market exposure and manage cash flow. Although the Fund may
employ foreign currency hedging techniques, the Fund normally maintains the
currency exposure of the underlying equity investments.
The Fund may purchase other types of securities that are not primary investment
vehicles, for example: American Depositary Receipts (ADRs), Global Depositary
Receipts (GDRs), European Depositary Receipts (EDRs), certain Exchange Traded
Funds (ETFs), cash equivalents, and certain derivatives (investments whose
value is based on indices or other securities). As an example of how
derivatives may be used, the Fund may invest in stock index futures to manage
cash flow.
In abnormal market conditions, the Fund may take temporary defensive
measures--such as holding unusually large amounts of cash and cash
equivalents--that are inconsistent with the Fund's primary investment strategy.
In taking those measures, the Fund may not achieve its investment goal.
- --------------------------------------------------------------------------------
SUBADVISER
SSgA Funds Management, Inc.
One Lincoln Street
Boston, Massachusetts 02110-2900
Managing, with predecessor, since 1978
Managing Fund since March, 2004
Managed approximately $92 billion
in assets at year-end 2003
Past Performance information set forth
herein does not reflect SSgA Funds Management, Inc. services to the Fund.
FUND MANAGERS
Managed by investment team overseen by:
James Francis, CFA
- ---------------------
Principal of subadviser
Joined subadviser in 1987
Jeffrey Beach
- ---------------------
Principal of subadviser
Joined subadviser in 1986
Note: "MSCI" and "MSCI All Country World ex-US Index" are the exclusive
property of Morgan Stanley & Co., Incorporated and are registered service marks
of Morgan Stanley Capital International.
PAST PERFORMANCE
The following bar chart and table of average annual total returns reflects the
performance of the Fund's NAV shares during the period shown (along with a
broad-based market index for reference). Series I and Series II shares were not
offered during this period. The performance of Series I shares will be lower
than NAV performance due to its 12b-1 Fee. The performance of Series II shares
will be lower than NAV performance or Series I performance due to its higher
12b-1 Fee. The performance figures below do not reflect the deduction of fees
and charges payable under the variable contracts. If such fees and charges had
been reflected, performance would be lower. Past performance does not indicate
future results.
Year-by year total returns for NAV shares -- calendar years
LOGO
Best quarter: up 20.91% fourth quarter 1998 Worst quarter: down 20.18% third
quarter 2002
Average annual total returns for NAV Shares -- for periods ending
12/31/03
Fund Index 1 Index 2 Index 3*
1 year 41.99% 41.41% 43.61% 44.58%
5 years 0.74% 1.55% 1.04% 1.43%
10 years 2.80% 4.66% 6.37% 5.65%
Index 1: MSCI ex US Index
Index 2: MSCI EAFE GDP Index
Index 3: A composite index combining the performance of the following indices
over the periods indicated: MSCI EAFE Index (from January, 1994 through April,
1998); MSCI EAFE GDP Index (from May, 1998 through June, 1999); 90% MSCI EAFE
GDP Index/10% MSCI Emerging Markets Free Index (from July, 1999 through
October, 2003); MSCI ACW ex US (after November, 2003)
* John Hancock believes Index 3 is a more suitable index against which to
measure the fund's performance for the period shown because it more closely
matches the fund's changes in investment strategy during that period.
4
MAIN RISKS
Primary
Foreign Risk: The Fund's foreign securities will pose special risks, due to
limited government regulation, lack of public information, economic, political
and social instability and foreign currency rate fluctuations. Factors such as
lack of liquidity, foreign ownership limits and restrictions on removing
currency also pose special risks. All foreign securities have some degree of
foreign risk. However, to the extent the Fund invests in emerging market
countries, it will have a significantly higher degree of foreign risk than if
it invested exclusively in developed or newly-industrialized countries.
Index Management Risk: Certain factors such as the following may cause the Fund
to track the Indexes less closely:
.. The securities selected by the manager may not be fully representative of the
Indexes.
.. Transaction expenses of the Fund may result in the Fund's performance being
different than that of the Indexes.
.. The size and timing of the Fund's cash flows may result in the Fund's
performance being different than that of the Indexes.
Also, index funds like this one will have more difficulty in taking defensive
positions in abnormal market conditions.
Market Risk: The value of the securities in the Fund may go down in response to
overall stock or bond market movements. Markets tend to move in cycles, with
periods of rising prices and periods of falling prices.
Stocks tend to go up and down in value more than bonds. If the Fund's
investments are concentrated in certain sectors, the Fund's performance could be
worse than the overall market.
Manager Risk: The manager and its strategy may fail to produce the intended
results. The Fund could underperform its peers or lose money if the manager's
investment strategy does not perform as expected.
Secondary
Derivatives Risk: Certain derivative instruments (such as options, futures and
swaps) can produce disproportionate gains or losses. They are generally
considered more risky than direct investments. Also, in a down market,
derivatives could become harder to value or sell at a fair price.
- --------------------------------------------------------------------------------
FEES AND EXPENSES OF THE FUND
The following table describes the fees and expenses you may pay if you buy and
hold Series I shares or Series II shares of the Fund and do not reflect the
expenses and charges of any variable insurance contract which may use the Fund
as an underlying investment medium. Those expenses and charges may vary
considerably from contract to contract, and are listed in the prospectus for
the variable contract. The Fund does not charge a sales load or a surrender fee.
Annual Fund Operating Expenses/1/ (expenses that are deducted from Fund assets,
as a percentage of average net assets for the fiscal year ended December 31,
2003)
Distribution Total Annual
Investment and Fund
Management Service Other Operating
Fee (12b-1) Fee Expenses/2/ Expenses
--- ----------- ----------- --------
Series I. 0.17% 0.40% 0.05% 0.62%
Series II 0.17% 0.60% 0.05% 0.82%
/1/ Amounts shown are estimates, based on the average net assets of the Fund's
NAV shares, because the International Equity Index Fund has not yet issued
Series I and Series II shares.
/2/ Amounts shown (a) reflect discontinuance of John Hancock's agreement to
reimburse the Fund for "other fund expenses" in 2003 that exceeded 0.10%
per annum of the Fund's average daily net assets and (b) the custodian's
agreement, effective April 1, 2004, to reduce its fees for this Fund.
Examples. The Examples are intended to help you compare the cost of investing
in Series I or Series II shares of the Fund with the costs of investing in
other mutual funds. The Examples assume that you invest $10,000 directly in the
shares for the time periods indicated, and then redeem all your shares at the
end of those periods. The Examples also assume that your investment has a 5%
return each year, the reinvestment of all dividends and distributions, and that
the Fund's operating expenses remain the same. Although actual Fund costs may
be higher or lower, the Examples show what the Fund costs would be based on
these assumptions.
Year 1 Year 3 Year 5 Year 10
Series I. $ 63 $199 $346 $ 455
Series II $84 $262 $774 $1,014
5
Your Account
Investments in shares of the funds
The Fund sells its Series I and Series II shares directly to separate accounts
of insurance companies to fund variable contracts. Each fund also buys back its
Series I and Series II shares on redemption by the separate accounts.
Under the variable contracts, a separate account buys or redeems a fund's shares
based on:
.. instructions by you and other contractowners to invest or receive back monies
under a contract (such as making a premium payment or surrendering a
contract), and
.. the operation of a contract (such as deduction of fees and charges).
The Trust, as law permits, may:
.. refuse a buy order if the adviser believes it would disrupt management
.. suspend a fund's offer of shares, or
.. suspend a fund's redemption obligation or postpone a fund's payment of
redemption proceeds for more than seven days.
Share price
The Fund sells and buys back its Series I and Series II shares at the net asset
value per share next computed after receipt by a separate account of a
contractowner's instructions.
The Fund calculates its net asset value per share:
.. by dividing net assets of the Series by the number of its outstanding shares,
.. once daily as of the close of regular trading on the New York Stock Exchange
(generally at 4 p.m. New York time) on each day the Exchange is open.
Valuation
The Fund values its securities based on:
.. market quotations,
.. amortized cost,
.. valuations of independent pricing services, or
.. fair value determined in accordance with procedures approved by the Trust's
trustees.
The Fund may value securities at fair value where, for example:
.. market quotations are not readily available, or
.. the value of securities has been materially affected after the closing of a
foreign market.
The Fund may hold securities primarily listed on foreign exchanges that trade on
weekends or other days when the Trust does not calculate share price.
Consequently, share price may change on days when contractowners will not be
able to instruct a separate account to buy or redeem fund shares.
Conflicts
The Trust's trustees monitor for possible material irreconcilable conflicts
among separate accounts buying shares of the Fund. The Trust's net asset value
could decrease if the Trust had to sell investment securities to pay redemption
proceeds to a separate account withdrawing because of a conflict.
6
Funds' Expenses
The advisory fee paid by the International Equity Index Fund to the adviser in
2003 was 0.17% of net assets
The adviser, not the Fund, pays subadvisory fees out of its own assets.
Dividends and Taxes
Dividends
The Fund automatically reinvests its dividends and distributions in additional
shares of the fund at net asset value per share.
The Fund declares and pays dividends monthly.
The Fund generally declares capital gains distributions annually.
Taxes
The Fund must meet investment diversification and other requirements under the
Internal Revenue Code, in order to:
.. avoid federal income tax and excise tax, and
.. assure the tax-deferred treatment of variable contracts under the Code.
You should read the prospectus for your variable contract for the federal income
tax consequences for contractowners, including the consequences of a fund's
failure to meet Code requirements.
Share Classes
Multiple Classes of Shares
The Trust has four classes of shares: NAV shares, Series I shares, Series II
shares and Series III shares. Each class is identical except for differences in
class expenses, including different Rule 12b-1 fees, and voting rights. (NAV
shares of the International Equity Index Fund, which are described in the
prospectus relating to that class' shares, are not subject to a Rule 12b-1 fee,
and Series III shares are not currently available for sale. The offering of
Series III shares and the amount of class expenses of Series III shares are
subject to the approval of the Trustees of the Trust.)
Series I shares of the International Equity Index Fund are subject to a Rule
12b-1 fee of .40% of Series I share average daily net assets.
Series II shares of the International Equity Index Fund are subject to a Rule
12b-1 fee of .60% of Series II share average daily net assets.
Rule 12b-1 fees for Series I shares and Series II shares will be paid to the
Trust's Distributor for those shares, Manulife Financial Securities LLC, or any
successor thereto.
To the extent consistent with applicable laws, regulations and rules, the
Distributor may use Rule 12b-1 fees:
(i)for any expenses relating to the distribution of the shares of the
respective class,
(ii)for any expenses relating to shareholder or administrative services for
holders of the shares of the class (or owners of contracts funded in
insurance company separate accounts that invest in the shares of the
class) and
(iii)for the payment of "service fees" that come within Rule 2830(d)(5) of the
Rules of Fair Practice of the National Association of Securities Dealers,
Inc.
Without limiting the foregoing, the Distributor may pay all or part of the Rule
12b-1 fees from the International Equity Index Fund to one or more affiliated
and unaffiliated insurance companies that have issued variable insurance
contracts for which the Fund serves as an investment vehicle as compensation for
providing some or all of the types of services describe in the preceding
sentence; this provision, however, does not obligate the Distributor to make any
payments of Rule 12b-1 fees and does not limit the use that the Distributor may
make of the Rule 12b-1 fees it receives. Currently, all such payments are made
to insurance companies affiliated with the Trust's investment adviser and
Distributor. However, payments may be made to nonaffiliated insurance companies
in the future.
Rule 12b-1 fees are paid out of a portfolio's assets on an ongoing basis.
Therefore, these fees will increase the cost of an investment in the Fund and
may, over time, be greater than other types of sales charges.
7
FINANCIAL HIGHLIGHTS
The financial highlights detail the historical performance of the Fund's NAV
shares, including total return information for the past 5 years. The total
return information does not reflect:
.. 12b-1 expenses of Series I shares,
.. 12b-1 expenses of Series II shares, and
.. expenses and charges of the applicable separate accounts and variable
contracts. Had these been included, the "Total Investment Return" shown in
the Table would be lower. The financial highlights have been audited by Ernst
& Young LLP, whose report (along with the Trust's financial statements) are
included in the Trust's annual report, which is available upon request.
- --------------------------------------------------------------------------------
Income from Investment Operations
---------------------------------------
Net Realized
Net Asset Net and Total
Value at Investment Unrealized From
Beginning Income Gain (Loss) Investment
of Period Gain (Loss) on Investments(a) Operations
--------- ----------- ----------------- ----------
International
Equity
Index
Fund
--
NAV
shares
------
Year
Ended
December
31,
2003...... $10.05 $0.24 $ 3.91 $ 4.15
2002...... 12.07 0.21 (2.02) (1.81)
2001...... 15.39 0.22 (3.32) (3.10)
2000...... 19.64 0.23 (3.64) (3.41)
1999...... 15.56 0.21 4.51 4.72
-----------------------------------------------------------------
(a) The amount shown at this caption for each fund share outstanding throughout
the year may not accord with the change in the aggregate gains and losses
in the portfolio securities for the year because of the timing of the
purchases and withdrawals of the fund shares in relation to the fluctuating
market values of the portfolio.
8
- --------------------------------------------------------------------------------
Less Distributions
- ----------------------------------------------------------------------------------
Distribution
Distribution From Net Distribution in Distribution Net Assets
From Net Realized Excess of From Value at Total
Investment Gains on Net Investment Capital Total Capital End Investment
Income Investments Income/Gains Paid-in Distributions Contributions of Period Return(b)
- ------------ ------------ --------------- ------------ ------------- ------------- ---------- ----------
$(0.29) $(0.09) $ -- $ -- $(0.38) $-- $13.82 41.99%
(0.21) -- -- -- (0.21) -- 10.05 (15.18)%
(0.17) -- -- (0.05) (0.22) -- 12.07 (20.30)%
(0.18) (0.59) -- (0.07) (0.84) -- 15.39 (17.42)%
(0.21) (0.38) (0.05) -- (0.64) -- 19.64 30.87%
- ---------------------------------------------------------------------------------------------------------
Ratios/Supplemental Data
- -------------------------------------------------
Net
Operating Investment
Net Assets Expenses to Income (Loss) Portfolio
End of Period Average to Average Turnover
(000s Omitted) Net Assets Net Assets Rate
- -------------- ----------- ------------- ---------
$159,036 0.27%(b) 2.13% 37.90%
98,917 0.28%(b) 1.85% 17.55%
122,020 0.27%(b) 1.66% 8.31%
195,012 0.28%(b) 1.40% 14.86%
244,017 0.31%(b) 1.26% 19.01%
- --------------------------------------------------
(b) Expense ratio is net of expense reimbursements. Had such reimbursements not
been made, the annual expense ratio would have been .42%, .46%, .40%, .37%
and .38% for the years ended December 31, 2003, 2002, 2001, 2000 and 1999,
respectively.
9
Trust Business Structure
The diagram below shows the basic business structure of the Trust. The Trust's
trustees oversee the Trust's investment and business activities and hire various
service providers to carry out the Trust's operations.
VARIABLE
CONTRACTOWNERS
THE MANUFACTURERS
LIFE INSURANCE
COMPANY OF NEW YORK,
THE MANUFACTURERS
LIFE INSURANCE COMPANY
(U.S.A) OR OTHER
INSURANCE COMPANY
THE TRUST
Trustee oversee the
Trust's investment and
business activities
INVESTMENT ADVISER CUSTODIAN
John Hancock Life State Street Bank and Trust
Insurance Company Company
Manages the Trust's
investment and business Holds the Trust's assets, settles all Trust
business activities trades and collects most of the valuation
data required for calculating the Trust's
net asset value per share.
SUBADVISER TO THE INTERNATIONAL EQUITY INDEX FUND
SSgA Funds Management, Inc.
Provides management to the Fund.
10
For more information
This prospectus should be used only with a variable contract prospectus.
John Hancock Variable
Series Trust I
John Hancock Place
Boston, Massachusetts 02117
Two documents are available that offer further information on John Hancock
Variable Series Trust I:
Annual/Semiannual Report to shareholders
Includes financial statements, a discussion of the market conditions and
investment strategies that significantly affected performance, and the auditors'
report (in the annual report only).
Statement of Additional Information (SAI)
The SAI contains more detailed information on all aspects of the funds.
A current SAI has been filed with the Securities and Exchange Commission and is
incorporated by reference into (i.e., is legally a part of) this prospectus.
To request a free copy of the current annual/semiannual report or the SAI, or to
make shareholder inquiries, please contact:
By mail:
John Hancock Variable Series Trust I
John Hancock Place
Boston, MA 02117
By phone: 1-800-732-5543
Or you may view or obtain these documents from the SEC:
In person: at the SEC's Public Reference Room in Washington, DC
By phone: 1-202-942-8090
By mail: Office of Public Reference Securities and Exchange Commission
450 5th Street, N.W., Room 1300
Washington, DC 20549-0102
(duplicating fee required)
By e-mail: publicinfo@SEC.gov
On the Internet: www.sec.gov
SEC File Number: 811-4490
VSTPRO-SERIES I II