Performance Highlights:Performance Relative to Benchmark

Fixed Income and Stable Value Management Styles

December 31, 2001

Composite Accounts

Past performance does not guarantee future results.

Performance does not reflect the deduction of investment management fees.

Key

1 — Long-term Fixed Income

2 — Long-term Segment Fixed Income

3 — Intermediate Term Fixed Income

4 — Short-term Fixed Income

5 — Mortgage Backed Securities

6 — Structured Cash

7 — GIC

8 — Intermed/Long-term Municipals

9 — Intermediate Term Municipals

10— Short-term Municipals

11— Ohio Municipals

Benchmark Key

1 — Lehman Aggregate

2 — Lehman Aggregate

3 — Lehman Intermediate Govt/Credit

4 — Lehman 1-3 yr. Government

5 — Lehman Mortgage Backed Secs

6 — 91-Day T-Bill

7 — 91-Day T-Bill

8 — Lipper General Municipal Debt

9 — Lipper Intermediate Municipal Debt

10 — Lipper Short Municipal Debt

11 — Lipper Ohio Municipal Debt

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