One Of Mutual
                                Funds Magazine's
                                 Top Ten Funds
                                   For 1996**

                         * Portfolio Manager: Art Bonnel
                            * 25 Years of Investment
                              Management Experience
                      * Inception Date: 10/17/94 * No load
                                    
 

                                     BONNEL
                                     GROWTH
                                      FUND
                                    44.83%*
                          TOTAL RETURN SINCE INCEPTION

[GRAPHIC:  UNITED  SERVICES  FUNDS LOGO WITH  FULL-LENGTH  PICTURE OF ART BONNEL
ABOVE AND TO THE LEFT OF LOGO.]

                              Call 1-800-4-BONNELL
                     Look under the United Services listing.

*Returns 10/17/94 through  10/17/95.  Past performance does not guarantee future
results.  Investment returns and principal value will fluctuate.  You may have a
gain or a loss when you sell shares. For more information, including charges and
expenses,  call  1-800-4-BONNEL.  Please read the  prospectus  carefully  before
investing. **December 1995



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