TOTAL RETURN*

PACIFIC/ASIA EX-JAPAN             20.94%
DIVERSIFIED EMERGING MARKETS      20.53
LATIN AMERICA                     20.18
JAPAN                             19.43
NATURAL RESOURCES                 19.26
COMMUNICATIONS                    18.84
TECHNOLOGY                        17.12
DIVERSIFIED PACIFIC/ASIA          16.83
UNALIGNED                          7.74
REAL ESTATE                        6.94
MID-CAP VALUE                      6.25
LARGE-CAP VALUE                    5.72
MID-CAP GROWTH                     5.43
UTILITIES                          4.53
LARGE-CAP BLEND                    3.63
FINANCIAL                          3.56
WORLD                              3.36%
LARGE-CAP GROWTH                   3.32
MID-CAP BLEND                      3.29
FOREIGN                            2.77
SMALL-CAP BLEND                    2.32
DOMESTIC HYBRID                    1.82
SMALL-CAP GROWTH                   1.65
INTERNATIONAL HYBRID               0.75
SMALL-CAP VALUE                    0.66
EUROPE                            -2.87
PRECIOUS METALS                   -5.42
HEALTH                            -7.69
ALL EQUITY FUNDS                   4.61
U.S. DIVERSIFIED EQUITY            3.81
S&P 500 INDEX                      4.65


*Appreciation plus reinvestment of dividends and capital gains before taxes, 
Jan.1 through May 27, 1999

DATA: MORNINGSTAR INC.