FUND GROUP/             AVG. ANNUAL TOTAL RETURN
INDEX                       1989-1998

TREASURY                      9.14%
LEHMAN GOVT.                 10.09

INT. TREASURY                 8.86
LEHMAN INT. GOVT.             9.25

GOVT. MORTGAGE                8.72
LEHMAN GOVT./MORTG.          10.06

SHORT TREASURY                7.56
LEHMAN 1-3-YR. GOVT.          8.26

CORPORATE                     9.23
LEHMAN GOVT./CORP.           10.26

HIGH QUALITY CORP.             9.35
LEHMAN AAA CORP.              10.67

HIGH YIELD CORP.              10.06
LEHMAN HIGH YIELD             11.48

GOVT. AGENCY                   6.41
LEHMAN CORP./MORTG.           10.32

CONVERTIBLE                   12.56
GOLDMAN SACHS CONVERT.        12.60

STRATEGIC INCOME               9.06
SALOMON WORLD GOVT.            9.88


DATA: STANDARD & POOR'S MICROPAL