registered securities associations, clearing agencies and savings associations, as well as from participants in the New York Stock Exchange Medallion Signature Program, the Securities Transfer Agents Medallion Program ("STAMP") and the Stock Exchanges Medallion Program. Total Return. The Fund may advertise total return figures on both a cumulative and compound average annual basis. Cumulative total return compares the amount invested at the beginning of a period with the amount redeemed at the end of the period, assuming the reinvestment of all dividends and capital gain distributions. The compound average annual total return, derived from the cumulative total return figure, indicates a yearly average of the Funds performance. The annual compound rate of return for the Fund may vary from any average. A signature guarantee helps protect against fraud. You can obtain one from most banks or securities dealers, but not from a notary public.                   Total Return. This tells you how much an investment in a fund has changed in value over a given time period. It reflects any net increase or decrease in the share price and assumes that all dividends and capital gains (if any) paid during the period were reinvested in additional shares. Therefore, total return numbers include the effect of compounding. Advertisements for a fund may include cumulative or average annual total return figures, which may be compared with various indices, other performance measures, or other mutual funds.       Sources: Vanessa OConnell, "Shorter, Clearer, Mutual-Fund Disclosure May Omit Vital Investment Information," The Wall Street Journal, March 12, 1999. Reprinted by permission of Dow Jones & Company, Inc., via Copyright Clearance Center, Inc. 1999 Dow Jones & Company, Inc. All Rights Reserved Worldwide. "A Little Light Reading? Try a Fund Prospectus," The Wall Street Journal, May 3, 1999. p. R1. Reprinted by permission of Dow Jones & Company, Inc., via Copyright Clearance Center, Inc. 1999 Dow Jones & Company, Inc. All Rights Reserved Worldwide.               Funds provide information about themselves in two other sources. The Statement of Ad- ditional Information, also known as Part B of the prospectus, includes a list of the securi- ties in the portfolio at the end of the fiscal year, audited financial