FOLIOfn: One annual fee, zero cost trades, fractional shares.

HB Capital Management Inc. is registered as an Investment Advisor and a Commodity Trading Advisor. The firm's President and Chief Trader, Howard Bernstein, says they offer a number of investment programs, such as their Sector Rotation Program (``There's always a bull market somewhere''). HB Capital Management's sector strategy, using computerized analysis, is to switch among Rydex sector funds in order to be invested in the sectors that are showing the best performance.

Results:

HB Capital Management's Sector Program returned 59%, after fees, for the year ending 9/30/00 and 50% per year, after fees, for the 2 years ending 9/30/00. Year to date, through September 30th, the sector program is ahead 23% after fees. The S&P 500 was down 2% and the NASDAQ was down 10% over the same period.

Martin Capital Advisors - Paul Martin
American Shareholders Investment Corporation - Paula Burke and Terry Laundry