TOTAL
                                                  2000 TOTAL  RETURN SINCE
FUND/SYMBOL                             PHONE #     RETURN*    10/26/00**

AMERICAN CENTURY INTL BOND (BEGBX)   800 345-2021    -1.2%       13.1%
FRANKLIN TEMPLETON HARD CURR (ICPHX) 800 342-5236    -6.2         7.3
MAS INTL FIXED-INCOME (MPIFX)        800 354-8185    -2.4         9.3
PRUDENT SAFE HARBOR (PSAFX)          800 711-1848     N/A        10.5
T ROWE PRICE INTL BOND (RPIBX)       800 638-5660    -3.1         9.6


* Appreciation and reinvestment of dividends and capital gains before taxes

** Total return from the low in the euro as of Jan. 11, 2001

DATA: MORNINGSTAR, BLOOMBERG FINANCIAL MARKETS