"2001- High Performance Bond Funds"

TOTAL RETURN TO NOV. 13([dagger])

12- MO. RANK/NAME 1 YEAR 3 YEARS YIELD

1. Transamerica Premier A 12.3% -- 5.4% 2. CSI Fixed Income Fund 9.7 -- 7.7 3. Dreyfus Inv Grade Intermediate 9.0 7.8% 6.9 4. Armada Bond A 8.9 5.5 5.8 5. Morgan Keegan Intermediate A 8.2 -- 7.3

CATEGORY AVERAGE 5.3 4.5% 6.1%

MINIMUM EXPENSE INITIAL RANK/NAME RATIO INVESTMENT

1. Transamerica Premier A 1.40% $10,000 2. CSI Fixed Income Fund 1.00 1,000 3. Dreyfus Inv Grade Intermediate 0.65 2,500 4. Armada Bond A 0.98 500 5. Morgan Keegan Intermediate A 0.90 1,000

CATEGORY AVERAGE 0.94%

MAX. SALES/ REDEMPTION 800 RANK/NAME FEE NUMBER

1. Transamerica Premier A 4.75% 892-7587 2. CSI Fixed Income Fund none 527-9525 3. Dreyfus Inv Grade Intermediate none 645-6561 4. Armada Bond A 4.75 622-3863 5. Morgan Keegan Intermediate A 2.00 366-7426

CATEGORY AVERAGE

High-yield Lower-rated corporate bonds

TOTAL RETURN TO NOV. 13([dagger])

12-MO. RANK/NAME 1 YEAR 3 YEARS YIELD

1. Pioneer High Yield A 22.7% -- 6.5% 2. Morgan Keegan High Income A(@) 14.4 -- 11.0 3. Lipper High Income Retail 10.8 6.0% 14.2 4. AFBA Five Star High Yield 8.7 0.5 8.5 5. Janus High Yield 5.5 3.4 8.8

CATEGORY AVERAGE -4.6% -1.0% 10.8%

MINIMUM EXPENSE INITIAL RANK/NAME RATIO INVESTMENT

1. Pioneer High Yield A 0.75% $1,000 2. Morgan Keegan High Income A(@) 1.25 1,000 3. Lipper High Income Retail 1.00 10,000 4. AFBA Five Star High Yield 1.08 500 5. Janus High Yield 1.00 2,500

CATEGORY AVERAGE 1.28%

MAX. SALES/ REDEMPTION 800 RANK/NAME FEE NUMBER

1. Pioneer High Yield A 4.50% 225-6292 2. Morgan Keegan High Income A(@) 2.50 366-7426 3. Lipper High Income Retail none 547-7379 4. AFBA Five Star High Yield none 578-2733(#) 5. Janus High Yield none 525-3713

CATEGORY AVERAGE

Tax-exempt Municipal bonds

TOTAL RETURN TO NOV. 13([dagger])

12-MO. RANK/NAME 1 YEAR 3 YEARS YIELD

1. Safeco Insured Muni Bond 8.9% 3.8% 4.9% 2. SmBarny Managed Munis A(@) 8.7 3.5 4.8 3. Schwab Long Term Tax Free 8.3 3.6 5.0 4. Safeco Muni Bond 8.3 4.1 5.1 5. Harris Insight Tax Exempt N(@) 8.3 4.1 4.9

CATEGORY AVERAGE 5.0% 3.2% 4.6%

MINIMUM EXPENSE INITIAL RANK/NAME RATIO INVESTMENT

1. Safeco Insured Muni Bond 0.88% $1,000 2. SmBarny Managed Munis A(@) 0.68 1,000 3. Schwab Long Term Tax Free 0.49 2,500 4. Safeco Muni Bond 0.60 1,000 5. Harris Insight Tax Exempt N(@) 0.95 1,000

CATEGORY AVERAGE 1.04%

MAX. SALES/ REDEMPTION 800 RANK/NAME FEE NUMBER

1. Safeco Insured Muni Bond none 624-5711 2. SmBarny Managed Munis A(@) 4.00% 451-2010 3. Schwab Long Term Tax Free none 435-4000 4. Safeco Muni Bond none 624-5711 5. Harris Insight Tax Exempt N(@) none 982-8782

(@)Rankings exclude share classes of this fund with different free structures. ([dagger]) Annualized for three years.

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