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U.S. Securities and Exchange Commission

Average Annual Total Returns

(for the periods ending
December 31, 1996)

Past One Year

Past 5 Years

Past 10 Years

XYZ Stock Fund

23.2%
11.5%
15%

S & P 500

20.26%
12.87%
12.58%

The S & P 500 is the Standard & Poor's Composite Index of 500 Stocks, a widely recognized, unmanaged index of common stock prices.

http://www.sec.gov/rules/extra/rrtable.htm


Modified: 02/25/2000