TOTAL RETURN IN US$ AT MATURITY $20,000 1-YEAR CD
      IF US$     IF US$      NO YIELD*                 DOWN 10%    UP 10%
      CHANGE
      SWISS FRANCS           $22,667     $18,545     $20,400 2%
      GERMAN MARKS            23,000      18,818      20,700 3.5%
      NEW ZEALAND             23,650      19,350      21,500 DOLLARS 7.5%
      JAPANESE YEN            22,444      18,363      20,200 1%
      
      * As of Apr. 6, 1995    DATA: MARK TWAIN BANK
      
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