TAXABLE FUNDS
                                    TOTAL RETURN*

THIRD AVENUE HIGH-YIELD                 4.42%
STRONG INTERNATIONAL BOND               4.04
MUNDER INTERNATIONAL BOND A             4.01
LEGG MASON GLOBAL GOVT. PRIM.           3.69
ABN AMRO INTL. FIXED-INCOME COMM.       3.43
MAINSTAY INTERNATIONAL BOND B           3.33
FRANKLIN TEMPLETON HARD CURRENCY A      2.59
ALLIANCE NORTH AMERICAN GOVT. INC. B    2.45
NORTHERN INTERNATIONAL FIXED-INCOME     2.36
T. ROWE PRICE INTERNATIONAL BOND        2.20
AVERAGE OF 1303 FUNDS                  -0.04


TAX-FREE FUNDS

HIGHMARK CA. INTERM. TAX-FREE BOND A    1.11%
CALIFORNIA INVESTMENT CA. INS. INTERM.  1.07
FRANKLIN CA. INTERM. TAX-FREE INCOME    0.79
CALVERT TAX-FREE RES. LIMITED-TERM A    0.71
PAYDEN & RYGEL SHORT DURATION T/E R     0.71
BERNSTEIN SHORT DURATION CA. MUNICIPAL  0.70
AMERICAN CENTURY CA. LTD.-TERM T/F INV. 0.69
MUNDER TAX-FREE SHORT-INTERM. BOND A    0.67
M.S.D.&T. INTERMEDIATE TAX-EXEMPT       0.63
SMITH BARNEY INTERM. MATURITY CA. A     0.59
AVERAGE OF 1426 FUNDS                  -1.26

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

DATA: MORNINGSTAR, INC.