|
|
|
|
|
|
|
|
|
|
|
|
|
|
Previous: GLENBROOK LIFE MULTI-MANAGER VARIABLE ACCOUNT, 485APOS, EX-10, 2000-12-15 |
Next: PRUDENTIAL VARIABLE CONTRACT ACCOUNT GI-2, 497, 2000-12-15 |
(13)(e) Performance Data Calculations
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGE
0 INIT DEPOSIT 31-Dec-98 1000.00 10.302366 97.06508
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.99138 969.9138
1.000
FORMULA: 1000*(1+T)= 969.9138
= 910.4138194
T = -8.96% -3.01%
R = -8.96% -3.01%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.267471 137.59945
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 137.52575 1375.2575
1.000
FORMULA: 1000*(1+T)= 1375.2575
= 1315.757483
T = 31.58% 37.53%
R = 31.58% 37.53%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.326205 96.84100
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.76730 967.6730
1.000
FORMULA: 1000*(1+T)= 967.6730
= 908.1729821
T = -9.18% -3.23%
R = -9.18% -3.23%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.440037 118.48289
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.40919 1184.0919
1.000
FORMULA: 1000*(1+T)= 1184.0919
= 1124.591929
T = 12.46% 18.41%
R = 12.46% 18.41%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.734085 102.73179
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.65809 1026.5809
1.000
FORMULA: 1000*(1+T)= 1026.5809
= 967.0809245
T = -3.29% 2.66%
R = -3.29% 2.66%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.374859 135.59581
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 135.52211 1355.2211
1.000
FORMULA: 1000*(1+T)= 1355.2211
= 1295.721127
T = 29.57% 35.52%
R = 29.57% 35.52%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.363332 106.79959
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.72589 1067.2589
1.000
FORMULA: 1000*(1+T)= 1067.2589
= 1007.75888
T = 0.78% 6.73%
R = 0.78% 6.73%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.157344 122.58892
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.51522 1225.1522
1.000
FORMULA: 1000*(1+T)= 1225.1522
= 1165.652211
T = 16.57% 22.52%
R = 16.57% 22.52%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.735645 174.34831
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 174.27461 1742.7461
1.000
FORMULA: 1000*(1+T)= 1742.7461
= 1683.246078
T = 68.32% 74.27%
R = 68.32% 74.27%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.499921 105.26403
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 105.19033 1051.9033
1.000
FORMULA: 1000*(1+T)= 1051.9033
= 992.4033324
T = -0.76% 5.19%
R = -0.76% 5.19%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.844843 171.09099
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 171.01729 1710.1729
1.000
FORMULA: 1000*(1+T)= 1710.1729
= 1650.672942
T = 65.07% 71.02%
R = 65.07% 71.02%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.581579 116.52867
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 116.45497 1164.5497
1.000
FORMULA: 1000*(1+T)= 1164.5497
= 1105.049715
T = 10.50% 16.45%
R = 10.50% 16.45%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.675727 103.35141
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 103.27771 1032.7771
1.000
FORMULA: 1000*(1+T)= 1032.7771
= 973.2770708
T = -2.67% 3.28%
R = -2.67% 3.28%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.791978 128.33712
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 128.26342 1282.6342
1.000
FORMULA: 1000*(1+T)= 1282.6342
= 1223.13418
T = 22.31% 28.26%
R = 22.31% 28.26%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.532522 104.90403
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.83033 1048.3033
1.000
FORMULA: 1000*(1+T)= 1048.3033
= 988.8033274
T = -1.12% 4.83%
R = -1.12% 4.83%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.404196 118.98818
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.91448 1189.1448
1.000
FORMULA: 1000*(1+T)= 1189.1448
= 1129.644816
T = 12.96% 18.91%
R = 12.96% 18.91%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.331029 96.79578
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.72208 967.2208
1.000
FORMULA: 1000*(1+T)= 967.2208
= 907.72079
T = -9.23% -3.28%
R = -9.23% -3.28%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.550873 132.43502
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.36132 1323.6132
1.000
FORMULA: 1000*(1+T)= 1323.6132
= 1264.113178
T = 26.41% 32.36%
R = 26.41% 32.36%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.273439 97.33839
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.26469 972.6469
1.000
FORMULA: 1000*(1+T)= 972.6469
= 913.1468882
T = -8.69% -2.74%
R = -8.69% -2.74%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.494437 133.43230
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 133.35860 1333.5860
1.000
FORMULA: 1000*(1+T)= 1333.5860
= 1274.086045
T = 27.41% 33.36%
R = 27.41% 33.36%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.537135 152.97221
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.89851 1528.9851
1.000
FORMULA: 1000*(1+T)= 1528.9851
= 1469.485118
T = 46.95% 52.90%
R = 46.95% 52.90%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.801852 128.17469
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 128.10099 1281.0099
1.000
FORMULA: 1000*(1+T)= 1281.0099
= 1221.509949
T = 22.15% 28.10%
R = 22.15% 28.10%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.491499 117.76484
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.69114 1176.9114
1.000
FORMULA: 1000*(1+T)= 1176.9114
= 1117.411375
T = 11.74% 17.69%
R = 11.74% 17.69%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.154222 122.63586
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.56216 1225.6216
1.000
FORMULA: 1000*(1+T)= 1225.6216
= 1166.121566
T = 16.61% 22.56%
R = 16.61% 22.56%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.623318 115.96464
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.89094 1158.9094
1.000
FORMULA: 1000*(1+T)= 1158.9094
= 1099.409438
T = 9.94% 15.89%
R = 9.94% 15.89%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.972513 125.43097
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 125.35727 1253.5727
1.000
FORMULA: 1000*(1+T)= 1253.5727
= 1194.072651
T = 19.41% 25.36%
R = 19.41% 25.36%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.687307 130.08457
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 130.01087 1300.1087
1.000
FORMULA: 1000*(1+T)= 1300.1087
= 1240.608667
T = 24.06% 30.01%
R = 24.06% 30.01%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.239649 97.65960
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.58590 975.8590
1.000
FORMULA: 1000*(1+T)= 975.8590
= 916.3589751
T = -8.36% -2.41%
R = -8.36% -2.41%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.170814 122.38683
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.31313 1223.1313
1.000
FORMULA: 1000*(1+T)= 1223.1313
= 1163.631271
T = 16.36% 22.31%
R = 16.36% 22.31%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.373877 119.41900
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.34530 1193.4530
1.000
FORMULA: 1000*(1+T)= 1193.4530
= 1133.952979
T = 13.40% 19.35%
R = 13.40% 19.35%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.224923 121.58169
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.50799 1215.0799
1.000
FORMULA: 1000*(1+T)= 1215.0799
= 1155.579853
T = 15.56% 21.51%
R = 15.56% 21.51%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.612971 151.21796
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 151.14426 1511.4426
1.000
FORMULA: 1000*(1+T)= 1511.4426
= 1451.942624
T = 45.19% 51.14%
R = 45.19% 51.14%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.146560 194.30455
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 194.23085 1942.3085
1.000
FORMULA: 1000*(1+T)= 1942.3085
= 1882.808452
T = 88.28% 94.23%
R = 88.28% 94.23%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.937816 111.88416
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.81046 1118.1046
1.000
FORMULA: 1000*(1+T)= 1118.1046
= 1058.60456
T = 5.86% 11.81%
R = 5.86% 11.81%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.327982 120.07711
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 120.00341 1200.0341
1.000
FORMULA: 1000*(1+T)= 1200.0341
= 1140.534087
T = 14.05% 20.00%
R = 14.05% 20.00%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.155195 139.75859
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 139.68489 1396.8489
1.000
FORMULA: 1000*(1+T)= 1396.8489
= 1337.34895
T = 33.73% 39.68%
R = 33.73% 39.68%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.520332 181.14853
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 181.07483 1810.7483
1.000
FORMULA: 1000*(1+T)= 1810.7483
= 1751.248251
T = 75.12% 81.07%
R = 75.12% 81.07%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.857314 101.44751
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 101.37381 1013.7381
1.000
FORMULA: 1000*(1+T)= 1013.7381
= 954.2381399
T = -4.58% 1.37%
R = -4.58% 1.37%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.395406 156.36224
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 156.28854 1562.8854
1.000
FORMULA: 1000*(1+T)= 1562.8854
= 1503.385388
T = 50.34% 56.29%
R = 50.34% 56.29%
Morgan Stanley Fixed Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.685895 0.07609
4 FEE 31-Dec-98 0.737 10.302366 0.07154
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Equity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 6.176651 0.11932
4 FEE 31-Dec-98 0.737 7.267471 0.10141
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 10.694154 0.06892
4 FEE 31-Dec-98 0.737 10.326205 0.07137
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Mid Cap Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 7.385382 0.09979
4 FEE 31-Dec-98 0.737 8.440037 0.08732
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley U.S. Real Estate
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 11.596911 0.06355
4 FEE 31-Dec-98 0.737 10.174200 0.07244
5 FEE 31-Dec-99 0.737 9.866319 0.07470 0.05
RESULTING VALUE 31-Dec-99 9.866319 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Global Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.700177 0.08471
4 FEE 31-Dec-98 0.737 9.734085 0.07571
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley International Magnum
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.681648 0.07612
4 FEE 31-Dec-98 0.737 10.383339 0.07098
5 FEE 31-Dec-99 0.737 12.794295 0.05760 0.05
RESULTING VALUE 31-Dec-99 12.794295 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Fidelity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.914602 343.10002
1 FEE 29-Dec-95 0.737 3.892627 0.18933
2 FEE 31-Dec-96 0.737 4.398742 0.16755
3 FEE 31-Dec-97 0.737 5.358809 0.13753
4 FEE 31-Dec-98 0.737 7.374859 0.09993
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 342.43197 3424.3197
5.000
FORMULA: 1000*(1+T)= 3424.3197
= 3381.819735
T = 27.59% 27.91%
R = 238.18% 242.43%
Fidelity High Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.377658 156.79737
1 FEE 29-Dec-95 0.737 7.595956 0.09703
2 FEE 31-Dec-96 0.737 8.545141 0.08625
3 FEE 31-Dec-97 0.737 9.919991 0.07429
4 FEE 31-Dec-98 0.737 9.363332 0.07871
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 156.38739 1563.8739
5.000
FORMULA: 1000*(1+T)= 1563.8739
= 1521.373909
T = 8.75% 9.36%
R = 52.14% 56.39%
Fidelity Contrafund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.342503 0.16972
2 FEE 31-Dec-96 0.737 5.193051 0.14192
3 FEE 31-Dec-97 0.737 6.360344 0.11587
4 FEE 31-Dec-98 0.737 8.157344 0.09035
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Emerging Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.120874 0.23615
2 FEE 31-Dec-96 0.737 3.602954 0.20455
3 FEE 31-Dec-97 0.737 4.333260 0.17008
4 FEE 31-Dec-98 0.737 5.735645 0.12849
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 5.006956 0.14720
2 FEE 31-Dec-96 0.737 6.147480 0.11989
3 FEE 31-Dec-97 0.737 7.871525 0.09363
4 FEE 31-Dec-98 0.737 9.499921 0.07758
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS New Discovery
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 5.844843 0.12609
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Dreyfus Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.519186 284.15662
1 FEE 29-Dec-95 0.737 5.401187 0.13645
2 FEE 31-Dec-96 0.737 6.693843 0.11010
3 FEE 31-Dec-97 0.737 7.797689 0.09452
4 FEE 31-Dec-98 0.737 8.581579 0.08588
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 283.65597 2836.5597
5.000
FORMULA: 1000*(1+T)= 2836.5597
= 2794.059708
T = 22.81% 23.19%
R = 179.41% 183.66%
Dreyfus Money Market
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.366155 119.52922
1 FEE 29-Dec-95 0.737 8.695593 0.08476
2 FEE 31-Dec-96 0.737 9.044168 0.08149
3 FEE 31-Dec-97 0.737 9.362885 0.07872
4 FEE 31-Dec-98 0.737 9.675727 0.07617
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 119.13439 1191.3439
5.000
FORMULA: 1000*(1+T)= 1191.3439
= 1148.843926
T = 2.81% 3.56%
R = 14.88% 19.13%
Dreyfus Socially Responsible
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.156517 316.80488
1 FEE 29-Dec-95 0.737 4.196062 0.17564
2 FEE 31-Dec-96 0.737 5.016650 0.14691
3 FEE 31-Dec-97 0.737 6.345159 0.11615
4 FEE 31-Dec-98 0.737 7.791978 0.09458
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 316.19790 3161.9790
5.000
FORMULA: 1000*(1+T)= 3161.9790
= 3119.478957
T = 25.55% 25.89%
R = 211.95% 216.20%
Dreyfus Small Company
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 9.608498 0.07670
3 FEE 31-Dec-97 0.737 11.516495 0.06400
4 FEE 31-Dec-98 0.737 10.658101 0.06915
5 FEE 31-Dec-99 0.737 11.602306 0.06352 0.05
RESULTING VALUE 31-Dec-99 11.602306 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
American Century Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.192417 161.48783
1 FEE 29-Dec-95 0.737 7.382332 0.09983
2 FEE 31-Dec-96 0.737 8.161701 0.09030
3 FEE 31-Dec-97 0.737 9.302794 0.07922
4 FEE 31-Dec-98 0.737 10.600203 0.06953
5 FEE 31-Dec-99 0.737 11.482353 0.06419 0.05
RESULTING VALUE 31-Dec-99 11.482353 161.08476 1849.6321
5.000
FORMULA: 1000*(1+T)= 1849.6321
= 1807.132122
T = 12.56% 13.09%
R = 80.71% 84.96%
American Century International
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.464081 154.70103
1 FEE 29-Dec-95 0.737 7.139290 0.10323
2 FEE 31-Dec-96 0.737 8.038282 0.09169
3 FEE 31-Dec-97 0.737 9.385834 0.07852
4 FEE 31-Dec-98 0.737 10.970876 0.06718
5 FEE 31-Dec-99 0.737 17.713705 0.04161 0.05
RESULTING VALUE 31-Dec-99 17.713705 154.31881 2733.5578
5.000
FORMULA: 1000*(1+T)= 2733.5578
= 2691.057828
T = 21.89% 22.28%
R = 169.11% 173.36%
Fidelity Equity Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.530691 220.71688
1 FEE 29-Dec-95 0.737 6.074046 0.12134
2 FEE 31-Dec-96 0.737 6.848063 0.10762
3 FEE 31-Dec-97 0.737 8.655363 0.08515
4 FEE 31-Dec-98 0.737 9.532522 0.07731
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 220.25176 2202.5176
5.000
FORMULA: 1000*(1+T)= 2202.5176
= 2160.017626
T = 16.65% 17.11%
R = 116.00% 120.25%
Dreyfus Stock Index
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.102273 322.34429
1 FEE 29-Dec-95 0.737 4.188031 0.17598
2 FEE 31-Dec-96 0.737 5.063715 0.14555
3 FEE 31-Dec-97 0.737 6.644044 0.11093
4 FEE 31-Dec-98 0.737 8.404196 0.08769
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 321.75045 3217.5045
5.000
FORMULA: 1000*(1+T)= 3217.5045
= 3175.004503
T = 25.99% 26.33%
R = 217.50% 221.75%
AIM Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.618493 177.98367
1 FEE 29-Dec-95 0.737 7.503668 0.09822
2 FEE 31-Dec-96 0.737 8.683006 0.08488
3 FEE 31-Dec-97 0.737 9.700204 0.07598
4 FEE 31-Dec-98 0.737 11.390160 0.06470
5 FEE 31-Dec-99 0.737 16.212275 0.04546 0.05
RESULTING VALUE 31-Dec-99 16.212275 177.61443 2879.5340
5.000
FORMULA: 1000*(1+T)= 2879.5340
= 2837.033984
T = 23.19% 23.56%
R = 183.70% 187.95%
AIM Diversified Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.339976 136.24023
1 FEE 29-Dec-95 0.737 8.620094 0.08550
2 FEE 31-Dec-96 0.737 9.366592 0.07868
3 FEE 31-Dec-97 0.737 10.108674 0.07291
4 FEE 31-Dec-98 0.737 10.331029 0.07134
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 135.85810 1358.5810
5.000
FORMULA: 1000*(1+T)= 1358.5810
= 1316.080995
T = 5.65% 6.32%
R = 31.61% 35.86%
AIM Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.091653 323.45156
1 FEE 29-Dec-95 0.737 4.083872 0.18047
2 FEE 31-Dec-96 0.737 4.833283 0.15248
3 FEE 31-Dec-97 0.737 5.992524 0.12299
4 FEE 31-Dec-98 0.737 7.550873 0.09760
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 322.82432 3228.2432
5.000
FORMULA: 1000*(1+T)= 3228.2432
= 3185.74323
T = 26.08% 26.41%
R = 218.57% 222.82%
AIM Government Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.874238 126.99642
1 FEE 29-Dec-95 0.737 8.978313 0.08209
2 FEE 31-Dec-96 0.737 9.059044 0.08136
3 FEE 31-Dec-97 0.737 9.667789 0.07623
4 FEE 31-Dec-98 0.737 10.273439 0.07174
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 126.61130 1266.1130
5.000
FORMULA: 1000*(1+T)= 1266.1130
= 1223.613026
T = 4.12% 4.83%
R = 22.36% 26.61%
AIM Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.921054 342.34218
1 FEE 29-Dec-95 0.737 3.883119 0.18980
2 FEE 31-Dec-96 0.737 4.526350 0.16282
3 FEE 31-Dec-97 0.737 5.663350 0.13014
4 FEE 31-Dec-98 0.737 7.494437 0.09834
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 341.68739 3416.8739
5.000
FORMULA: 1000*(1+T)= 3416.8739
= 3374.373871
T = 27.54% 27.86%
R = 237.44% 241.69%
AIM International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.969891 251.89608
1 FEE 29-Dec-95 0.737 4.592084 0.16049
2 FEE 31-Dec-96 0.737 5.439148 0.13550
3 FEE 31-Dec-97 0.737 5.737999 0.12844
4 FEE 31-Dec-98 0.737 6.537135 0.11274
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 251.28521 2512.8521
5.000
FORMULA: 1000*(1+T)= 2512.8521
= 2470.352095
T = 19.83% 20.24%
R = 147.04% 151.29%
AIM Global Utilities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.678112 176.11488
1 FEE 29-Dec-95 0.737 7.083244 0.10405
2 FEE 31-Dec-96 0.737 7.812330 0.09434
3 FEE 31-Dec-97 0.737 9.352724 0.07880
4 FEE 31-Dec-98 0.737 10.723141 0.06873
5 FEE 31-Dec-99 0.737 14.096367 0.05228 0.05
RESULTING VALUE 31-Dec-99 14.096367 175.71668 2476.9668
5.000
FORMULA: 1000*(1+T)= 2476.9668
= 2434.466778
T = 19.48% 19.89%
R = 143.45% 147.70%
AIM Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.208879 311.63531
1 FEE 29-Dec-95 0.737 4.312569 0.17090
2 FEE 31-Dec-96 0.737 4.894956 0.15056
3 FEE 31-Dec-97 0.737 5.973862 0.12337
4 FEE 31-Dec-98 0.737 7.801852 0.09446
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 311.02231 3110.2231
5.000
FORMULA: 1000*(1+T)= 3110.2231
= 3067.723149
T = 25.13% 25.48%
R = 206.77% 211.02%
AIM Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.491499 0.08679
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
AIM High Yield
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.311374 0.07147
5 FEE 31-Dec-99 0.737 11.216979 0.06570 0.05
RESULTING VALUE 31-Dec-99 11.216979 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.939312 0.07415
5 FEE 31-Dec-99 0.737 10.407937 0.07081 0.05
RESULTING VALUE 31-Dec-99 10.407937 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE U.S. Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.154222 0.09038
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Large Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 11.292301 0.06527
5 FEE 31-Dec-99 0.737 15.075028 0.04889 0.05
RESULTING VALUE 31-Dec-99 15.075028 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Small Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.623318 0.08547
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Capital Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.972513 0.09244
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Mid Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.977371 0.07387
5 FEE 31-Dec-99 0.737 9.810815 0.07512 0.05
RESULTING VALUE 31-Dec-99 9.810815 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.687307 0.09587
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Global Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.239649 0.07198
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Guardian
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.337619 0.08839
4 FEE 31-Dec-98 0.737 10.804961 0.06821
5 FEE 31-Dec-99 0.737 12.222673 0.06030 0.05
RESULTING VALUE 31-Dec-99 12.222673 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.842773 0.08334
4 FEE 31-Dec-98 0.737 12.122468 0.06080
5 FEE 31-Dec-99 0.737 18.361245 0.04014 0.05
RESULTING VALUE 31-Dec-99 18.361245 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Partners
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.540213 220.25398
1 FEE 29-Dec-95 0.737 6.098667 0.12085
2 FEE 31-Dec-96 0.737 7.776821 0.09477
3 FEE 31-Dec-97 0.737 10.046248 0.07336
4 FEE 31-Dec-98 0.737 10.303974 0.07153
5 FEE 31-Dec-99 0.737 10.888889 0.06768 0.05
RESULTING VALUE 31-Dec-99 10.888889 219.82580 2393.6587
5.000
FORMULA: 1000*(1+T)= 2393.6587
= 2351.15872
T = 18.65% 19.07%
R = 135.12% 139.37%
STI Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.764482 0.15469
2 FEE 31-Dec-96 0.737 5.802582 0.12701
3 FEE 31-Dec-97 0.737 7.798209 0.09451
4 FEE 31-Dec-98 0.737 9.899189 0.07445
5 FEE 31-Dec-99 0.737 10.593253 0.06957 0.05
RESULTING VALUE 31-Dec-99 10.593253 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
STI Value Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 6.294887 0.11708
2 FEE 31-Dec-96 0.737 7.349592 0.10028
3 FEE 31-Dec-97 0.737 9.174018 0.08034
4 FEE 31-Dec-98 0.737 9.904363 0.07441
5 FEE 31-Dec-99 0.737 9.455971 0.07794 0.05
RESULTING VALUE 31-Dec-99 9.455971 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Federated Prime Money Fund II
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.584137 116.49395
1 FEE 29-Dec-95 0.737 8.890712 0.08290
2 FEE 31-Dec-96 0.737 9.160105 0.08046
3 FEE 31-Dec-97 0.737 9.460144 0.07791
4 FEE 31-Dec-98 0.737 9.768797 0.07544
5 FEE 31-Dec-99 0.737 10.057099 0.07328 0.05
RESULTING VALUE 31-Dec-99 10.057099 116.10397 1167.6691
5.000
FORMULA: 1000*(1+T)= 1167.6691
= 1125.169103
T = 2.39% 3.15%
R = 12.52% 16.77%
MFS Research Series
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.687633 0.15722
2 FEE 31-Dec-96 0.737 5.657211 0.13028
3 FEE 31-Dec-97 0.737 6.712142 0.10980
4 FEE 31-Dec-98 0.737 8.170814 0.09020
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Templeton Growth Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.226830 191.32055
1 FEE 29-Dec-95 0.737 5.813124 0.12678
2 FEE 31-Dec-96 0.737 6.955367 0.10596
3 FEE 31-Dec-97 0.737 7.788589 0.09463
4 FEE 31-Dec-98 0.737 8.373877 0.08801
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 190.83147 1908.3147
5.000
FORMULA: 1000*(1+T)= 1908.3147
= 1865.81471
T = 13.29% 13.80%
R = 86.58% 90.83%
Templeton International Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.870632 205.31216
1 FEE 29-Dec-95 0.737 5.419673 0.13599
2 FEE 31-Dec-96 0.737 6.811290 0.10820
3 FEE 31-Dec-97 0.737 7.643090 0.09643
4 FEE 31-Dec-98 0.737 8.224923 0.08961
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 204.80824 2048.0824
5.000
FORMULA: 1000*(1+T)= 2048.0824
= 2005.582434
T = 14.93% 15.42%
R = 100.56% 104.81%
Templeton Developing Markets
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 12.173224 0.06054
3 FEE 31-Dec-97 0.737 8.488250 0.08683
4 FEE 31-Dec-98 0.737 6.612971 0.11145
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Franklin Small Cap Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.571196 0.20637
2 FEE 31-Dec-96 0.737 4.547358 0.16207
3 FEE 31-Dec-97 0.737 5.268143 0.13990
4 FEE 31-Dec-98 0.737 5.146560 0.14320
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Mutual Shares Securities Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 7.792345 0.09458
3 FEE 31-Dec-97 0.737 9.051231 0.08143
4 FEE 31-Dec-98 0.737 8.937816 0.08246
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Main Street Growth & Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.718458 0.15620
2 FEE 31-Dec-96 0.737 6.168268 0.11948
3 FEE 31-Dec-97 0.737 8.062123 0.09142
4 FEE 31-Dec-98 0.737 8.327982 0.08850
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.809879 355.88721
1 FEE 29-Dec-95 0.737 3.788567 0.19453
2 FEE 31-Dec-96 0.737 4.679503 0.15750
3 FEE 31-Dec-97 0.737 5.848706 0.12601
4 FEE 31-Dec-98 0.737 7.155195 0.10300
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 355.23247 3552.3247
5.000
FORMULA: 1000*(1+T)= 3552.3247
= 3509.824699
T = 28.55% 28.86%
R = 250.98% 255.23%
Oppenheimer Aggressive Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.912981 343.29094
1 FEE 29-Dec-95 0.737 3.808761 0.19350
2 FEE 31-Dec-96 0.737 4.517321 0.16315
3 FEE 31-Dec-97 0.737 4.979833 0.14800
4 FEE 31-Dec-98 0.737 5.520332 0.13351
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 342.57909 3425.7909
5.000
FORMULA: 1000*(1+T)= 3425.7909
= 3383.290904
T = 27.61% 27.92%
R = 238.33% 242.58%
Oppenheimer Strategic Bond
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.197749 138.93232
1 FEE 29-Dec-95 0.737 8.190039 0.08999
2 FEE 31-Dec-96 0.737 9.053801 0.08140
3 FEE 31-Dec-97 0.737 9.710053 0.07590
4 FEE 31-Dec-98 0.737 9.857314 0.07477
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 138.53657 1385.3657
5.000
FORMULA: 1000*(1+T)= 1385.3657
= 1342.865673
T = 6.07% 6.74%
R = 34.29% 38.54%
Oppenheimer Global Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.012288 249.23435
1 FEE 29-Dec-95 0.737 4.047287 0.18210
2 FEE 31-Dec-96 0.737 4.703446 0.15669
3 FEE 31-Dec-97 0.737 5.680996 0.12973
4 FEE 31-Dec-98 0.737 6.395406 0.11524
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 248.57689 2485.7689
5.000
FORMULA: 1000*(1+T)= 2485.7689
= 2443.268914
T = 19.56% 19.98%
R = 144.33% 148.58%
Fidelity Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.860791 537.40587
1 FEE 29-Dec-90 0.737 1.610431 0.45764
2 FEE 29-Dec-91 0.737 2.254860 0.32685
3 FEE 28-Dec-92 0.737 2.479940 0.29718
4 FEE 29-Dec-93 0.737 2.951060 0.24974
5 FEE 29-Dec-94 0.737 2.926804 0.25181
6 FEE 29-Dec-95 0.737 3.892627 0.18933
7 FEE 28-Dec-96 0.737 4.446016 0.16577
8 FEE 29-Dec-97 0.737 5.227748 0.14098
9 FEE 29-Dec-98 0.737 7.350748 0.10026
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 535.15260 5351.5260
10.000
FORMULA: 1000*(1+T)= 5351.5260
= 5351.526005
T = 18.26% 18.26%
R = 435.15% 435.15%
Fidelity High Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 3.571612 279.98562
1 FEE 29-Dec-90 0.737 3.374336 0.21841
2 FEE 29-Dec-91 0.737 4.524929 0.16288
3 FEE 28-Dec-92 0.737 5.512625 0.13369
4 FEE 29-Dec-93 0.737 6.555757 0.11242
5 FEE 29-Dec-94 0.737 6.377894 0.11556
6 FEE 29-Dec-95 0.737 7.595956 0.09703
7 FEE 28-Dec-96 0.737 8.512268 0.08658
8 FEE 29-Dec-97 0.737 9.906114 0.07440
9 FEE 29-Dec-98 0.737 9.323416 0.07905
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 278.83191 2788.3191
10.000
FORMULA: 1000*(1+T)= 2788.3191
= 2788.319092
T = 10.80% 10.80%
R = 178.83% 178.83%
Fidelity Equity Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.917536 342.75498
1 FEE 29-Dec-90 0.737 2.433278 0.30288
2 FEE 29-Dec-91 0.737 3.095469 0.23809
3 FEE 28-Dec-92 0.737 3.630191 0.20302
4 FEE 29-Dec-93 0.737 4.328486 0.17027
5 FEE 29-Dec-94 0.737 4.533810 0.16256
6 FEE 29-Dec-95 0.737 6.074046 0.12134
7 FEE 28-Dec-96 0.737 6.930496 0.10634
8 FEE 29-Dec-97 0.737 8.495569 0.08675
9 FEE 29-Dec-98 0.737 9.551980 0.07716
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 341.21288 3412.1288
10.000
FORMULA: 1000*(1+T)= 3412.1288
= 3412.128798
T = 13.06% 13.06%
R = 241.21% 241.21%
Dreyfus Stock Index
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.241123 446.20487
1 FEE 29-Dec-90 0.737 2.079579 0.35440
2 FEE 29-Dec-91 0.737 2.457934 0.29985
3 FEE 28-Dec-92 0.737 2.859331 0.25775
4 FEE 29-Dec-93 0.737 3.084144 0.23896
5 FEE 29-Dec-94 0.737 3.061873 0.24070
6 FEE 29-Dec-95 0.737 4.188031 0.17598
7 FEE 28-Dec-96 0.737 5.175278 0.14241
8 FEE 29-Dec-97 0.737 6.540441 0.11268
9 FEE 29-Dec-98 0.737 8.488836 0.08682
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 444.22162 4442.2162
10.000
FORMULA: 1000*(1+T)= 4442.2162
= 4442.216192
T = 16.08% 16.08%
R = 344.22% 344.22%
Templeton Growth Securities
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 #N/A #N/A
1 FEE 29-Dec-90 0.737 #N/A #N/A
2 FEE 29-Dec-91 0.737 #N/A #N/A
3 FEE 28-Dec-92 0.737 #N/A #N/A
4 FEE 29-Dec-93 0.737 #N/A #N/A
5 FEE 29-Dec-94 0.737 5.227216 0.14099
6 FEE 29-Dec-95 0.737 5.813124 0.12678
7 FEE 28-Dec-96 0.737 6.905728 0.10672
8 FEE 29-Dec-97 0.737 7.718075 0.09549
9 FEE 29-Dec-98 0.737 8.368826 0.08806
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
10.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.103594 475.37690
1 FEE 29-Dec-90 0.737 1.897387 0.38843
2 FEE 29-Dec-91 0.737 2.308213 0.31929
3 FEE 28-Dec-92 0.737 2.653483 0.27775
4 FEE 29-Dec-93 0.737 2.824067 0.26097
5 FEE 29-Dec-94 0.737 2.821109 0.26124
6 FEE 29-Dec-95 0.737 3.788567 0.19453
7 FEE 28-Dec-96 0.737 4.726586 0.15593
8 FEE 29-Dec-97 0.737 5.715707 0.12894
9 FEE 29-Dec-98 0.737 7.114743 0.10359
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 473.21252 4732.1252
10.000
FORMULA: 1000*(1+T)= 4732.1252
= 4732.12525
T = 16.82% 16.82%
R = 373.21% 373.21%
Oppenheimer Aggressive Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.783233 560.77921
1 FEE 29-Dec-90 0.737 1.449999 0.50828
2 FEE 29-Dec-91 0.737 2.150324 0.34274
3 FEE 28-Dec-92 0.737 2.489107 0.29609
4 FEE 29-Dec-93 0.737 3.150851 0.23391
5 FEE 29-Dec-94 0.737 2.902985 0.25388
6 FEE 29-Dec-95 0.737 3.808761 0.19350
7 FEE 28-Dec-96 0.737 4.459626 0.16526
8 FEE 29-Dec-97 0.737 4.828212 0.15264
9 FEE 29-Dec-98 0.737 5.420986 0.13595
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 558.42327 5584.2327
10.000
FORMULA: 1000*(1+T)= 5584.2327
= 5584.232673
T = 18.77% 18.77%
R = 458.42% 458.42%
Morgan Stanley Fixed Income
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 8.932475 111.95105
1 FEE 02-Jan-98 0.737 9.731701 0.07573 0.07
2 FEE 02-Jan-99 0.737 10.302366 0.07154 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 111.73009 1117.3009
2.992
FORMULA: 1000*(1+T)= 1117.3009
= 1066.300861
T = 2.17%
R = 6.63%
Morgan Stanley Equity Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.707001 212.44950
1 FEE 02-Jan-98 0.737 6.176651 0.11932 0.07
2 FEE 02-Jan-99 0.737 7.267471 0.10141 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 212.15507 2121.5507
2.992
FORMULA: 1000*(1+T)= 2121.5507
= 2070.55067
T = 27.53%
R = 107.06%
Morgan Stanley Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 8.960121 111.60564
1 FEE 02-Jan-98 0.737 10.720598 0.06875 0.07
2 FEE 02-Jan-99 0.737 10.326205 0.07137 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 111.39182 1113.9182
2.992
FORMULA: 1000*(1+T)= 1113.9182
= 1062.918177
T = 2.06%
R = 6.29%
Morgan Stanley Mid Cap Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.313444 188.20185
1 FEE 02-Jan-98 0.737 7.351568 0.10025 0.07
2 FEE 02-Jan-99 0.737 8.440037 0.08732 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 187.94058 1879.4058
2.992
FORMULA: 1000*(1+T)= 1879.4058
= 1828.405791
T = 22.34%
R = 82.84%
Morgan Stanley U.S. Real Estate
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 9.959228 100.40939
1 FEE 04-Mar-98 0.737 11.321853 0.06510 0.07
2 FEE 04-Mar-99 0.737 9.794307 0.07525 0.06
3 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 100.19435 988.5494
2.825
FORMULA: 1000*(1+T)= 988.5494
= 937.5493937
T = -2.26%
R = -6.25%
Morgan Stanley Global Equity
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.349906 136.05616
1 FEE 02-Jan-98 0.737 8.700177 0.08471 0.07
2 FEE 02-Jan-99 0.737 9.734085 0.07571 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 135.82204 1358.2204
2.992
FORMULA: 1000*(1+T)= 1358.2204
= 1307.220375
T = 9.37%
R = 30.72%
Morgan Stanley International Magnum
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.165652 109.10299
1 FEE 02-Jan-98 0.737 9.718113 0.07584 0.07
2 FEE 02-Jan-99 0.737 10.529467 0.06999 0.06
3 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 108.89955 1393.2930
2.992
FORMULA: 1000*(1+T)= 1393.2930
= 1342.29297
T = 10.34%
R = 34.23%
Fidelity Growth
09-Oct-86
TO NO. YEARS13.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-86 1000.00 1.247731 801.45480
1 FEE 09-Oct-87 0.737 1.570965 0.46914 0.07
2 FEE 09-Oct-88 0.737 1.455706 0.50628 0.06
3 FEE 09-Oct-89 0.737 1.913100 0.38524 0.06
4 09-Oct-90 0.737 1.505664 0.48949 0.05
5 09-Oct-91 0.737 2.052189 0.35913 0.05
6 09-Oct-92 0.737 2.163764 0.34061 0.04
7 09-Oct-93 0.737 2.947192 0.25007 0.03
8 09-Oct-94 0.737 2.792909 0.26388 0
9 09-Oct-95 0.737 3.797344 0.19408 0
10 09-Oct-96 0.737 4.379644 0.16828 0
11 09-Oct-97 0.737 5.543359 0.13295 0
12 09-Oct-98 0.737 5.498195 0.13404 0
13 09-Oct-99 0.737 8.498916 0.08672 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 797.60119 7976.0119
13.227
FORMULA: 1000*(1+T)= 7976.0119
= 7976.011905
T = 17.00%
R = 697.60%
Fidelity High Income
20-Sep-85
TO NO. YEARS14.278
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 20-Sep-85 1000.00 2.791262 358.26089
1 FEE 20-Sep-86 0.737 3.278754 0.22478 0.07
2 FEE 20-Sep-87 0.737 3.499742 0.21059 0.06
3 FEE 20-Sep-88 0.737 3.713521 0.19846 0.06
4 20-Sep-89 0.737 3.779093 0.19502 0.05
5 20-Sep-90 0.737 3.445594 0.21390 0.05
6 20-Sep-91 0.737 4.340360 0.16980 0.04
7 20-Sep-92 0.737 5.492135 0.13419 0.03
8 20-Sep-93 0.737 6.260931 0.11771 0
9 20-Sep-94 0.737 6.490860 0.11354 0
10 20-Sep-95 0.737 7.396320 0.09964 0
11 20-Sep-96 0.737 8.323846 0.08854 0
12 20-Sep-97 0.737 9.745202 0.07563 0
13 20-Sep-98 0.737 8.942871 0.08241 0
14 FEE 20-Sep-99 0.737 9.762898 0.07549 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 356.18747 3561.8747
14.278
FORMULA: 1000*(1+T)= 3561.8747
= 3561.874731
T = 9.30%
R = 256.19%
Fidelity Contrafund
03-Jan-95
TO NO. YEARS 4.991
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Jan-95 1000.00 3.149619 317.49872
1 FEE 03-Jan-96 0.737 4.310216 0.17099 0.07
2 FEE 03-Jan-97 0.737 5.189338 0.14202 0.06
3 FEE 03-Jan-98 0.737 6.350304 0.11606 0.06
4 03-Jan-99 0.737 8.157344 0.09035 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 316.90560 3169.0560
4.991
FORMULA: 1000*(1+T)= 3169.0560
= 3126.556031
T = 25.66%
R = 212.66%
Fidelity Equity Income
23-Oct-86
TO NO. YEARS13.188
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 23-Oct-86 1000.00 2.179259 458.87157
1 FEE 23-Oct-87 0.737 2.124100 0.34697 0.07
2 FEE 23-Oct-88 0.737 2.562721 0.28758 0.06
3 FEE 23-Oct-89 0.737 2.935890 0.25103 0.06
4 23-Oct-90 0.737 2.282270 0.32292 0.05
5 23-Oct-91 0.737 3.038203 0.24258 0.05
6 23-Oct-92 0.737 3.395245 0.21707 0.04
7 23-Oct-93 0.737 4.288925 0.17184 0.03
8 23-Oct-94 0.737 4.637135 0.15893 0
9 23-Oct-95 0.737 5.711468 0.12904 0
10 23-Oct-96 0.737 6.558624 0.11237 0
11 23-Oct-97 0.737 8.484480 0.08686 0
12 23-Oct-98 0.737 8.650791 0.08519 0
13 23-Oct-99 0.737 9.663293 0.07627 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 456.30920 4563.0920
13.188
FORMULA: 1000*(1+T)= 4563.0920
= 4563.092047
T = 12.20%
R = 356.31%
MFS Emerging Growth
24-Jul-95
TO NO. YEARS 4.438
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 24-Jul-95 1000.00 2.673700 374.01354
1 FEE 24-Jul-96 0.737 3.173012 0.23227 0.07
2 FEE 24-Jul-97 0.737 4.283343 0.17206 0.06
3 FEE 24-Jul-98 0.737 5.224137 0.14108 0.06
4 24-Jul-99 0.737 6.339553 0.11625 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 373.27818 3732.7818
4.438
FORMULA: 1000*(1+T)= 3732.7818
= 3690.281758
T = 34.21%
R = 269.03%
MFS Growth and Income
09-Oct-95
TO NO. YEARS 4.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-95 1000.00 4.709170 212.35165
1 FEE 09-Oct-96 0.737 5.799862 0.12707 0.07
2 FEE 09-Oct-97 0.737 7.742996 0.09518 0.06
3 FEE 09-Oct-98 0.737 7.823167 0.09421 0.06
4 09-Oct-99 0.737 9.240635 0.07976 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 211.88173 2118.8173
4.227
FORMULA: 1000*(1+T)= 2118.8173
= 2076.317272
T = 18.87%
R = 107.63%
MFS New Discovery
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 5.770865 173.28425
1 FEE 01-May-99 0.737 6.134516 0.12014 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 173.09041 1730.9041
1.667
FORMULA: 1000*(1+T)= 1730.9041
= 1679.904078
T = 36.49%
R = 67.99%
Dreyfus Growth & Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.622334 276.06510
1 FEE 02-May-95 0.737 4.369530 0.16867 0.07
2 FEE 02-May-96 0.737 6.256198 0.11780 0.06
3 FEE 02-May-97 0.737 6.644622 0.11092 0.06
4 02-May-98 0.737 8.769430 0.08404 0.05
5 02-May-99 0.737 9.048505 0.08145 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 275.42852 2754.2852
5.665
FORMULA: 1000*(1+T)= 2754.2852
= 2720.285207
T = 19.32%
R = 172.03%
Dreyfus Money Market
31-Aug-90
TO NO. YEARS 9.333
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Aug-90 1000.00 7.274779 137.46122
1 FEE 31-Aug-91 0.737 7.651905 0.09632 0.07
2 FEE 31-Aug-92 0.737 7.910554 0.09317 0.06
3 FEE 31-Aug-93 0.737 8.074064 0.09128 0.06
4 31-Aug-94 0.737 8.260842 0.08922 0.05
5 31-Aug-95 0.737 8.609758 0.08560 0.05
6 31-Aug-96 0.737 8.934338 0.08249 0.04
7 31-Aug-97 0.737 9.245799 0.07971 0.03
8 31-Aug-98 0.737 9.566721 0.07704 0
9 31-Aug-99 0.737 9.880108 0.07459 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.61811 1366.1811
9.333
FORMULA: 1000*(1+T)= 1366.1811
= 1366.181065
T = 3.40%
R = 36.62%
Dreyfus Socially Responsible
07-Oct-93
TO NO. YEARS 6.231
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 07-Oct-93 1000.00 2.946166 339.42419
1 FEE 07-Oct-94 0.737 3.162611 0.23304 0.07
2 FEE 07-Oct-95 0.737 4.066000 0.18126 0.06
3 FEE 07-Oct-96 0.737 4.796987 0.15364 0.06
4 07-Oct-97 0.737 6.626761 0.11122 0.05
5 07-Oct-98 0.737 6.078583 0.12125 0.05
6 07-Oct-99 0.737 8.642591 0.08528 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 338.46482 3384.6482
6.231
FORMULA: 1000*(1+T)= 3384.6482
= 3359.148181
T = 21.46%
R = 235.91%
Dreyfus Small Company
30-Apr-96
TO NO. YEARS 3.669
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-96 1000.00 8.931576 111.96232
1 FEE 30-Apr-97 0.737 9.264909 0.07955 0.07
2 FEE 30-Apr-98 0.737 12.392045 0.05947 0.06
3 FEE 30-Apr-99 0.737 10.476103 0.07035 0.06
4 31-Dec-99 0.737 11.602306 0.06352 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 111.68943 1295.8549
3.669
FORMULA: 1000*(1+T)= 1295.8549
= 1253.354941
T = 6.35%
R = 25.34%
Dreyfus Stock Index
29-Sep-89
TO NO. YEARS10.253
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Sep-89 1000.00 2.201094 454.31953
1 FEE 29-Sep-90 0.737 1.969039 0.37429 0.07
2 FEE 29-Sep-91 0.737 2.580469 0.28561 0.06
3 FEE 29-Sep-92 0.737 2.736505 0.26932 0.06
4 29-Sep-93 0.737 3.087336 0.23872 0.05
5 29-Sep-94 0.737 3.183726 0.23149 0.05
6 29-Sep-95 0.737 3.970340 0.18563 0.04
7 29-Sep-96 0.737 4.450869 0.16559 0.03
8 29-Sep-97 0.737 6.353278 0.11600 0
9 29-Sep-98 0.737 7.175391 0.10271 0
10 29-Sep-99 0.737 8.642856 0.08527 0
11 31-Dec-99 0.737 10.000000 0.07370 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 452.19120 4521.9120
10.253
FORMULA: 1000*(1+T)= 4521.9120
= 4521.912038
T = 15.85%
R = 352.19%
American Century Balanced
01-May-91
TO NO. YEARS 8.668
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-91 1000.00 5.136210 194.69609
1 FEE 01-May-92 0.737 5.776160 0.12759 0.07
2 FEE 01-May-93 0.737 5.828648 0.12644 0.06
3 FEE 01-May-94 0.737 6.218502 0.11852 0.06
4 01-May-95 0.737 6.518490 0.11306 0.05
5 01-May-96 0.737 7.546020 0.09767 0.05
6 01-May-97 0.737 8.169798 0.09021 0.04
7 01-May-98 0.737 10.083957 0.07309 0.03
8 01-May-99 0.737 10.786170 0.06833 0
9 31-Dec-99 0.737 11.482353 0.06419 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 193.81699 2225.4751
8.668
FORMULA: 1000*(1+T)= 2225.4751
= 2225.475133
T = 9.67%
R = 122.55%
American Century International
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 6.876426 145.42438
1 FEE 02-May-95 0.737 6.578415 0.11203 0.07
2 FEE 02-May-96 0.737 7.540259 0.09774 0.06
3 FEE 02-May-97 0.737 8.639725 0.08530 0.06
4 02-May-98 0.737 11.320883 0.06510 0.05
5 02-May-99 0.737 11.543972 0.06384 0.05
6 31-Dec-99 0.737 17.713705 0.04161 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 144.95875 2567.7566
5.665
FORMULA: 1000*(1+T)= 2567.7566
= 2533.756589
T = 17.84%
R = 153.38%
AIM Capital Appreciation
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 4.709692 212.32811
1 FEE 05-May-94 0.737 5.543622 0.13295 0.07
2 FEE 05-May-95 0.737 6.169436 0.11946 0.06
3 FEE 05-May-96 0.737 8.333030 0.08844 0.06
4 05-May-97 0.737 8.720256 0.08452 0.05
5 05-May-98 0.737 10.987151 0.06708 0.05
6 05-May-99 0.737 11.688021 0.06306 0.04
7 31-Dec-99 0.737 16.212275 0.04546 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 211.72715 3432.5788
6.656
FORMULA: 1000*(1+T)= 3432.5788
= 3407.078804
T = 20.22%
R = 240.71%
AIM Diversified Income
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 7.455650 134.12647
1 FEE 05-May-94 0.737 7.446077 0.09898 0.07
2 FEE 05-May-95 0.737 7.964866 0.09253 0.06
3 FEE 05-May-96 0.737 8.514857 0.08655 0.06
4 05-May-97 0.737 9.356905 0.07877 0.05
5 05-May-98 0.737 10.423177 0.07071 0.05
6 05-May-99 0.737 10.343384 0.07125 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.55398 1335.5398
6.656
FORMULA: 1000*(1+T)= 1335.5398
= 1310.039771
T = 4.14%
R = 31.00%
AIM Growth and Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.119856 320.52761
1 FEE 02-May-95 0.737 3.447715 0.21376 0.07
2 FEE 02-May-96 0.737 4.306401 0.17114 0.06
3 FEE 02-May-97 0.737 5.117999 0.14400 0.06
4 02-May-98 0.737 6.724018 0.10961 0.05
5 02-May-99 0.737 8.250313 0.08933 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 319.72607 3197.2607
5.665
FORMULA: 1000*(1+T)= 3197.2607
= 3163.260701
T = 22.54%
R = 216.33%
AIM Government Securities
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 8.077765 123.79662
1 FEE 05-May-94 0.737 7.920618 0.09305 0.07
2 FEE 05-May-95 0.737 8.383137 0.08791 0.06
3 FEE 05-May-96 0.737 8.629063 0.08541 0.06
4 05-May-97 0.737 9.119856 0.08081 0.05
5 05-May-98 0.737 9.807989 0.07514 0.05
6 05-May-99 0.737 10.163676 0.07251 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 123.22808 1232.2808
6.656
FORMULA: 1000*(1+T)= 1232.2808
= 1206.780789
T = 2.86%
R = 20.68%
AIM Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.767940 361.27951
1 FEE 05-May-94 0.737 2.909905 0.25327 0.07
2 FEE 05-May-95 0.737 3.254766 0.22644 0.06
3 FEE 05-May-96 0.737 4.112253 0.17922 0.06
4 05-May-97 0.737 4.843708 0.15216 0.05
5 05-May-98 0.737 6.526452 0.11293 0.05
6 05-May-99 0.737 7.994540 0.09219 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 360.18961 3601.8961
6.656
FORMULA: 1000*(1+T)= 3601.8961
= 3576.396077
T = 21.10%
R = 257.64%
AIM International Equity
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.470422 288.14940
1 FEE 05-May-94 0.737 4.026501 0.18304 0.07
2 FEE 05-May-95 0.737 4.164911 0.17695 0.06
3 FEE 05-May-96 0.737 4.991648 0.14765 0.06
4 05-May-97 0.737 5.516785 0.13359 0.05
5 05-May-98 0.737 6.757815 0.10906 0.05
6 05-May-99 0.737 6.637093 0.11104 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 287.21436 2872.1436
6.656
FORMULA: 1000*(1+T)= 2872.1436
= 2846.643627
T = 17.02%
R = 184.66%
AIM Global Utilities
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 5.911053 169.17460
1 FEE 02-May-95 0.737 5.986780 0.12310 0.07
2 FEE 02-May-96 0.737 7.026721 0.10489 0.06
3 FEE 02-May-97 0.737 7.882383 0.09350 0.06
4 02-May-98 0.737 10.236401 0.07200 0.05
5 02-May-99 0.737 10.999097 0.06701 0.05
6 31-Dec-99 0.737 14.096367 0.05228 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 168.66182 2377.5189
5.665
FORMULA: 1000*(1+T)= 2377.5189
= 2343.518906
T = 16.22%
R = 134.35%
AIM Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.747060 364.02554
1 FEE 05-May-94 0.737 3.193367 0.23079 0.07
2 FEE 05-May-95 0.737 3.612590 0.20401 0.06
3 FEE 05-May-96 0.737 4.354612 0.16925 0.06
4 05-May-97 0.737 5.242580 0.14058 0.05
5 05-May-98 0.737 6.749057 0.10920 0.05
6 05-May-99 0.737 8.487625 0.08683 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 363.01118 3630.1118
6.656
FORMULA: 1000*(1+T)= 3630.1118
= 3604.611821
T = 21.25%
R = 260.46%
AIM Balanced
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 7.584404 131.84952
1 FEE 01-May-99 0.737 8.847196 0.08330 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.69251 1316.9251
1.667
FORMULA: 1000*(1+T)= 1316.9251
= 1265.925132
T = 15.19%
R = 26.59%
AIM High Yield
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 11.290974 88.56632
1 FEE 01-May-99 0.737 11.023511 0.06686 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 88.43376 991.9596
1.667
FORMULA: 1000*(1+T)= 991.9596
= 940.9596004
T = -3.58%
R = -5.90%
Goldman Sachs Growth and Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 9.658724 103.53334
1 FEE 12-Jan-99 0.737 10.190802 0.07232 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 103.39021 1076.0788
1.966
FORMULA: 1000*(1+T)= 1076.0788
= 1025.078824
T = 1.27%
R = 2.51%
Goldman Sachs CORE U.S. Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 7.232764 138.25973
1 FEE 13-Feb-99 0.737 8.248223 0.08935 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 138.09668 1380.9668
1.878
FORMULA: 1000*(1+T)= 1380.9668
= 1329.966777
T = 16.40%
R = 33.00%
Goldman Sachs CORE Large Cap Growth
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.813933 101.89595
1 FEE 13-Feb-99 0.737 11.309785 0.06516 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 101.78189 1534.3649
1.878
FORMULA: 1000*(1+T)= 1534.3649
= 1483.364898
T = 23.36%
R = 48.34%
Goldman Sachs CORE Small Cap Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.662727 103.49045
1 FEE 13-Feb-99 0.737 7.981024 0.09234 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 103.32441 1033.2441
1.878
FORMULA: 1000*(1+T)= 1033.2441
= 982.2440952
T = -0.95%
R = -1.78%
Goldman Sachs Capital Growth
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 7.113219 140.58333
1 FEE 30-Apr-99 0.737 8.681199 0.08490 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 140.42473 1404.2473
1.670
FORMULA: 1000*(1+T)= 1404.2473
= 1353.247319
T = 19.86%
R = 35.32%
Goldman Sachs Mid Cap Equity
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 11.767255 84.98159
1 FEE 30-Apr-99 0.737 10.840596 0.06799 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 84.83848 832.3346
1.670
FORMULA: 1000*(1+T)= 832.3346
= 781.3346344
T = -13.74%
R = -21.87%
Goldman Sachs International Equity
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 6.539253 152.92267
1 FEE 12-Jan-99 0.737 7.748423 0.09512 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 152.75385 1527.5385
1.966
FORMULA: 1000*(1+T)= 1527.5385
= 1476.538495
T = 21.93%
R = 47.65%
Goldman Sachs Global Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 10.052519 99.47755
1 FEE 12-Jan-99 0.737 10.264857 0.07180 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.33206 993.3206
1.966
FORMULA: 1000*(1+T)= 993.3206
= 942.3205545
T = -2.98%
R = -5.77%
Neuberger & Berman AMT Guardian
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.945475 125.85780
1 FEE 03-Nov-98 0.737 9.697367 0.07600 0.07
2 FEE 03-Nov-99 0.737 11.573280 0.06368 0.06
3 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 125.65782 1535.8745
2.157
FORMULA: 1000*(1+T)= 1535.8745
= 1484.874451
T = 20.11%
R = 48.49%
Neuberger & Berman AMT Mid-Cap Growth
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.563989 132.20537
1 FEE 03-Nov-98 0.737 9.650452 0.07637 0.07
2 FEE 03-Nov-99 0.737 13.672999 0.05390 0.06
3 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 132.03496 2424.3263
2.157
FORMULA: 1000*(1+T)= 2424.3263
= 2373.326331
T = 49.27%
R = 137.33%
Neuberger & Berman AMT Partners
22-Mar-94
TO NO. YEARS 5.777
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 22-Mar-94 1000.00 4.704773 212.55011
1 FEE 22-Mar-95 0.737 4.834648 0.15244 0.07
2 FEE 22-Mar-96 0.737 6.597729 0.11171 0.06
3 FEE 22-Mar-97 0.737 8.058264 0.09146 0.06
4 22-Mar-98 0.737 11.138676 0.06617 0.05
5 22-Mar-99 0.737 10.592220 0.06958 0.05
6 31-Dec-99 0.737 10.888889 0.06768 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 211.99107 2308.3472
5.777
FORMULA: 1000*(1+T)= 2308.3472
= 2274.34725
T = 15.29%
R = 127.43%
STI Capital Appreciation
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 4.471759 223.62566
1 FEE 02-Oct-96 0.737 5.506528 0.13384 0.07
2 FEE 02-Oct-97 0.737 7.581197 0.09721 0.06
3 FEE 02-Oct-98 0.737 7.890025 0.09341 0.06
4 02-Oct-99 0.737 9.740881 0.07566 0.05
5 31-Dec-99 0.737 10.593253 0.06957 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 223.15596 2363.9475
4.246
FORMULA: 1000*(1+T)= 2363.9475
= 2321.447523
T = 21.94%
R = 132.14%
STI Value Income
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 5.888812 169.81355
1 FEE 02-Oct-96 0.737 7.013256 0.10509 0.07
2 FEE 02-Oct-97 0.737 9.265567 0.07954 0.06
3 FEE 02-Oct-98 0.737 8.802561 0.08373 0.06
4 02-Oct-99 0.737 9.742285 0.07565 0.05
5 31-Dec-99 0.737 9.455971 0.07794 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 169.39160 1601.7621
4.246
FORMULA: 1000*(1+T)= 1601.7621
= 1559.262104
T = 11.03%
R = 55.93%
Federated Prime Money Fund II
21-Nov-94
TO NO. YEARS 5.109
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 21-Nov-94 1000.00 8.557007 116.86329
1 FEE 21-Nov-95 0.737 8.855477 0.08323 0.07
2 FEE 21-Nov-96 0.737 9.132512 0.08070 0.06
3 FEE 21-Nov-97 0.737 9.427165 0.07818 0.06
4 21-Nov-98 0.737 9.739616 0.07567 0.05
5 21-Nov-99 0.737 10.019285 0.07356 0.05
6 31-Dec-99 0.737 10.057099 0.07328 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 116.39867 1170.6330
5.109
FORMULA: 1000*(1+T)= 1170.6330
= 1136.632987
T = 2.54%
R = 13.66%
MFS Research Series
26-Jul-95
TO NO. YEARS 4.433
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jul-95 1000.00 4.261951 234.63433
1 FEE 26-Jul-96 0.737 4.941909 0.14913 0.07
2 FEE 26-Jul-97 0.737 6.768814 0.10888 0.06
3 FEE 26-Jul-98 0.737 7.917260 0.09309 0.06
4 26-Jul-99 0.737 8.636392 0.08534 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 234.12419 2341.2419
4.433
FORMULA: 1000*(1+T)= 2341.2419
= 2298.741872
T = 20.66%
R = 129.87%
Templeton Growth Securities
15-Mar-94
TO NO. YEARS 5.796
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Mar-94 1000.00 5.122057 195.23406
1 FEE 15-Mar-95 0.737 5.177725 0.14234 0.07
2 FEE 15-Mar-96 0.737 6.058111 0.12166 0.06
3 FEE 15-Mar-97 0.737 7.232917 0.10190 0.06
4 15-Mar-98 0.737 8.592668 0.08577 0.05
5 15-Mar-99 0.737 8.317064 0.08861 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 194.62009 1946.2009
5.796
FORMULA: 1000*(1+T)= 1946.2009
= 1912.200885
T = 11.83%
R = 91.22%
Templeton International Securities
01-May-92
TO NO. YEARS 7.666
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-92 1000.00 3.732708 267.90202
1 FEE 01-May-93 0.737 3.819258 0.19297 0.07
2 FEE 01-May-94 0.737 4.892667 0.15063 0.06
3 FEE 01-May-95 0.737 5.016968 0.14690 0.06
4 01-May-96 0.737 6.013133 0.12257 0.05
5 01-May-97 0.737 7.045794 0.10460 0.05
6 01-May-98 0.737 9.008253 0.08181 0.04
7 01-May-99 0.737 8.932455 0.08251 0.03
8 31-Dec-99 0.737 10.000000 0.07370 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 266.94632 2669.4632
7.666
FORMULA: 1000*(1+T)= 2669.4632
= 2669.463234
T = 13.66%
R = 166.95%
Templeton Developing Markets
04-Mar-96
TO NO. YEARS 3.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-96 1000.00 13.054657 76.60102
1 FEE 04-Mar-97 0.737 13.332090 0.05528 0.07
2 FEE 04-Mar-98 0.737 8.803229 0.08372 0.06
3 FEE 04-Mar-99 0.737 6.231909 0.11826 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 76.27006 762.7006
3.825
FORMULA: 1000*(1+T)= 762.7006
= 720.2005501
T = -8.22%
R = -27.98%
Franklin Small Cap Fund
01-Nov-95
TO NO. YEARS 4.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-95 1000.00 3.498394 285.84545
1 FEE 01-Nov-96 0.737 4.281219 0.17215 0.07
2 FEE 01-Nov-97 0.737 5.483331 0.13441 0.06
3 FEE 01-Nov-98 0.737 4.417352 0.16684 0.06
4 01-Nov-99 0.737 7.044268 0.10462 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 285.19373 2851.9373
4.164
FORMULA: 1000*(1+T)= 2851.9373
= 2809.437272
T = 28.15%
R = 180.94%
Mutual Shares Securities Fund
08-Nov-96
TO NO. YEARS 3.143
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 08-Nov-96 1000.00 7.543558 132.56344
1 FEE 08-Nov-97 0.737 8.875392 0.08304 0.07
2 FEE 08-Nov-98 0.737 8.753179 0.08420 0.06
3 FEE 08-Nov-99 0.737 9.701528 0.07597 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 132.24654 1322.4654
3.143
FORMULA: 1000*(1+T)= 1322.4654
= 1279.965362
T = 8.17%
R = 28.00%
Oppenheimer Main Street Growth & Income
05-Jul-95
TO NO. YEARS 4.490
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-Jul-95 1000.00 3.791806 263.72657
1 FEE 05-Jul-96 0.737 5.438732 0.13551 0.07
2 FEE 05-Jul-97 0.737 7.141241 0.10320 0.06
3 FEE 05-Jul-98 0.737 9.096583 0.08102 0.06
4 05-Jul-99 0.737 9.568871 0.07702 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 263.25612 2632.5612
4.490
FORMULA: 1000*(1+T)= 2632.5612
= 2590.061196
T = 23.61%
R = 159.01%
Oppenheimer Capital Appreciation
03-Apr-85
TO NO. YEARS14.743
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Apr-85 1000.00 1.115628 896.35613
1 FEE 03-Apr-86 0.737 1.324104 0.55660 0.07
2 FEE 03-Apr-87 0.737 1.684008 0.43765 0.06
3 FEE 03-Apr-88 0.737 1.566128 0.47059 0.06
4 03-Apr-89 0.737 1.898994 0.38810 0.05
5 03-Apr-90 0.737 2.023763 0.36417 0.05
6 03-Apr-91 0.737 2.072001 0.35569 0.04
7 03-Apr-92 0.737 2.310010 0.31905 0.03
8 03-Apr-93 0.737 2.619078 0.28140 0
9 03-Apr-94 0.737 2.740561 0.26892 0
10 03-Apr-95 0.737 3.057994 0.24101 0
11 03-Apr-96 0.737 4.079451 0.18066 0
12 03-Apr-97 0.737 4.625681 0.15933 0
13 03-Apr-98 0.737 6.669737 0.11050 0
14 FEE 03-Apr-99 0.737 7.629033 0.09660 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 892.05216 8920.5216
14.743
FORMULA: 1000*(1+T)= 8920.5216
= 8920.521612
T = 16.00%
R = 792.05%
Oppenheimer Aggressive Growth
15-Aug-86
TO NO. YEARS13.377
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Aug-86 1000.00 1.147164 871.71494
1 FEE 15-Aug-87 0.737 1.482078 0.49727 0.07
2 FEE 15-Aug-88 0.737 1.337554 0.55101 0.06
3 FEE 15-Aug-89 0.737 1.801018 0.40921 0.06
4 15-Aug-90 0.737 1.619388 0.45511 0.05
5 15-Aug-91 0.737 1.876983 0.39265 0.05
6 15-Aug-92 0.737 2.045070 0.36038 0.04
7 15-Aug-93 0.737 2.772107 0.26586 0.03
8 15-Aug-94 0.737 2.775455 0.26554 0
9 15-Aug-95 0.737 3.476614 0.21199 0
10 15-Aug-96 0.737 4.258867 0.17305 0
11 15-Aug-97 0.737 4.898984 0.15044 0
12 15-Aug-98 0.737 4.991766 0.14764 0
13 15-Aug-99 0.737 6.609142 0.11151 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 867.64957 8676.4957
13.377
FORMULA: 1000*(1+T)= 8676.4957
= 8676.495698
T = 17.53%
R = 767.65%
Oppenheimer Strategic Bond
03-May-93
TO NO. YEARS 6.661
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-May-93 1000.00 7.337749 136.28158
1 FEE 03-May-94 0.737 7.224027 0.10202 0.07
2 FEE 03-May-95 0.737 7.512954 0.09810 0.06
3 FEE 03-May-96 0.737 8.300896 0.08879 0.06
4 03-May-97 0.737 9.117275 0.08084 0.05
5 03-May-98 0.737 9.966102 0.07395 0.05
6 03-May-99 0.737 10.029016 0.07349 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 135.69070 1356.9070
6.661
FORMULA: 1000*(1+T)= 1356.9070
= 1331.406997
T = 4.39%
R = 33.14%
Oppenheimer Global Securities
12-Nov-90
TO NO. YEARS 9.133
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Nov-90 1000.00 2.740047 364.95724
1 FEE 12-Nov-91 0.737 2.870889 0.25671 0.07
2 FEE 12-Nov-92 0.737 2.563525 0.28749 0.06
3 FEE 12-Nov-93 0.737 3.841503 0.19185 0.06
4 12-Nov-94 0.737 4.277966 0.17228 0.05
5 12-Nov-95 0.737 4.000564 0.18422 0.05
6 12-Nov-96 0.737 4.575947 0.16106 0.04
7 12-Nov-97 0.737 5.502189 0.13395 0.03
8 12-Nov-98 0.737 5.739272 0.12841 0
9 12-Nov-99 0.737 8.308884 0.08870 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 363.27886 3632.7886
9.133
FORMULA: 1000*(1+T)= 3632.7886
= 3632.788595
T = 15.17%
R = 263.28%
</TABLE>
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.302366 97.06508
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.99138 969.9138
1.000
FORMULA: 1000*(1+T)= 969.9138
= 910.4138194
T = -8.96% -3.01%
R = -8.96% -3.01%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.267471 137.59945
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 137.52575 1375.2575
1.000
FORMULA: 1000*(1+T)= 1375.2575
= 1315.757483
T = 31.58% 37.53%
R = 31.58% 37.53%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.326205 96.84100
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.76730 967.6730
1.000
FORMULA: 1000*(1+T)= 967.6730
= 908.1729821
T = -9.18% -3.23%
R = -9.18% -3.23%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.440037 118.48289
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.40919 1184.0919
1.000
FORMULA: 1000*(1+T)= 1184.0919
= 1124.591929
T = 12.46% 18.41%
R = 12.46% 18.41%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.734085 102.73179
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.65809 1026.5809
1.000
FORMULA: 1000*(1+T)= 1026.5809
= 967.0809245
T = -3.29% 2.66%
R = -3.29% 2.66%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.374859 135.59581
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 135.52211 1355.2211
1.000
FORMULA: 1000*(1+T)= 1355.2211
= 1295.721127
T = 29.57% 35.52%
R = 29.57% 35.52%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.363332 106.79959
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.72589 1067.2589
1.000
FORMULA: 1000*(1+T)= 1067.2589
= 1007.75888
T = 0.78% 6.73%
R = 0.78% 6.73%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.157344 122.58892
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.51522 1225.1522
1.000
FORMULA: 1000*(1+T)= 1225.1522
= 1165.652211
T = 16.57% 22.52%
R = 16.57% 22.52%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.735645 174.34831
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 174.27461 1742.7461
1.000
FORMULA: 1000*(1+T)= 1742.7461
= 1683.246078
T = 68.32% 74.27%
R = 68.32% 74.27%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.499921 105.26403
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 105.19033 1051.9033
1.000
FORMULA: 1000*(1+T)= 1051.9033
= 992.4033324
T = -0.76% 5.19%
R = -0.76% 5.19%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.844843 171.09099
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 171.01729 1710.1729
1.000
FORMULA: 1000*(1+T)= 1710.1729
= 1650.672942
T = 65.07% 71.02%
R = 65.07% 71.02%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.581579 116.52867
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 116.45497 1164.5497
1.000
FORMULA: 1000*(1+T)= 1164.5497
= 1105.049715
T = 10.50% 16.45%
R = 10.50% 16.45%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.675727 103.35141
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 103.27771 1032.7771
1.000
FORMULA: 1000*(1+T)= 1032.7771
= 973.2770708
T = -2.67% 3.28%
R = -2.67% 3.28%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.791978 128.33712
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 128.26342 1282.6342
1.000
FORMULA: 1000*(1+T)= 1282.6342
= 1223.13418
T = 22.31% 28.26%
R = 22.31% 28.26%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.532522 104.90403
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.83033 1048.3033
1.000
FORMULA: 1000*(1+T)= 1048.3033
= 988.8033274
T = -1.12% 4.83%
R = -1.12% 4.83%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.404196 118.98818
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.91448 1189.1448
1.000
FORMULA: 1000*(1+T)= 1189.1448
= 1129.644816
T = 12.96% 18.91%
R = 12.96% 18.91%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.331029 96.79578
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.72208 967.2208
1.000
FORMULA: 1000*(1+T)= 967.2208
= 907.72079
T = -9.23% -3.28%
R = -9.23% -3.28%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.550873 132.43502
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.36132 1323.6132
1.000
FORMULA: 1000*(1+T)= 1323.6132
= 1264.113178
T = 26.41% 32.36%
R = 26.41% 32.36%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.273439 97.33839
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.26469 972.6469
1.000
FORMULA: 1000*(1+T)= 972.6469
= 913.1468882
T = -8.69% -2.74%
R = -8.69% -2.74%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.494437 133.43230
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 133.35860 1333.5860
1.000
FORMULA: 1000*(1+T)= 1333.5860
= 1274.086045
T = 27.41% 33.36%
R = 27.41% 33.36%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.537135 152.97221
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.89851 1528.9851
1.000
FORMULA: 1000*(1+T)= 1528.9851
= 1469.485118
T = 46.95% 52.90%
R = 46.95% 52.90%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.801852 128.17469
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 128.10099 1281.0099
1.000
FORMULA: 1000*(1+T)= 1281.0099
= 1221.509949
T = 22.15% 28.10%
R = 22.15% 28.10%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.491499 117.76484
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.69114 1176.9114
1.000
FORMULA: 1000*(1+T)= 1176.9114
= 1117.411375
T = 11.74% 17.69%
R = 11.74% 17.69%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.154222 122.63586
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.56216 1225.6216
1.000
FORMULA: 1000*(1+T)= 1225.6216
= 1166.121566
T = 16.61% 22.56%
R = 16.61% 22.56%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.623318 115.96464
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.89094 1158.9094
1.000
FORMULA: 1000*(1+T)= 1158.9094
= 1099.409438
T = 9.94% 15.89%
R = 9.94% 15.89%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.972513 125.43097
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 125.35727 1253.5727
1.000
FORMULA: 1000*(1+T)= 1253.5727
= 1194.072651
T = 19.41% 25.36%
R = 19.41% 25.36%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.687307 130.08457
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 130.01087 1300.1087
1.000
FORMULA: 1000*(1+T)= 1300.1087
= 1240.608667
T = 24.06% 30.01%
R = 24.06% 30.01%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.239649 97.65960
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.58590 975.8590
1.000
FORMULA: 1000*(1+T)= 975.8590
= 916.3589751
T = -8.36% -2.41%
R = -8.36% -2.41%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.170814 122.38683
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.31313 1223.1313
1.000
FORMULA: 1000*(1+T)= 1223.1313
= 1163.631271
T = 16.36% 22.31%
R = 16.36% 22.31%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.373877 119.41900
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.34530 1193.4530
1.000
FORMULA: 1000*(1+T)= 1193.4530
= 1133.952979
T = 13.40% 19.35%
R = 13.40% 19.35%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.224923 121.58169
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.50799 1215.0799
1.000
FORMULA: 1000*(1+T)= 1215.0799
= 1155.579853
T = 15.56% 21.51%
R = 15.56% 21.51%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.612971 151.21796
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 151.14426 1511.4426
1.000
FORMULA: 1000*(1+T)= 1511.4426
= 1451.942624
T = 45.19% 51.14%
R = 45.19% 51.14%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.146560 194.30455
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 194.23085 1942.3085
1.000
FORMULA: 1000*(1+T)= 1942.3085
= 1882.808452
T = 88.28% 94.23%
R = 88.28% 94.23%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.937816 111.88416
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.81046 1118.1046
1.000
FORMULA: 1000*(1+T)= 1118.1046
= 1058.60456
T = 5.86% 11.81%
R = 5.86% 11.81%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.327982 120.07711
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 120.00341 1200.0341
1.000
FORMULA: 1000*(1+T)= 1200.0341
= 1140.534087
T = 14.05% 20.00%
R = 14.05% 20.00%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.155195 139.75859
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 139.68489 1396.8489
1.000
FORMULA: 1000*(1+T)= 1396.8489
= 1337.34895
T = 33.73% 39.68%
R = 33.73% 39.68%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.520332 181.14853
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 181.07483 1810.7483
1.000
FORMULA: 1000*(1+T)= 1810.7483
= 1751.248251
T = 75.12% 81.07%
R = 75.12% 81.07%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.857314 101.44751
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 101.37381 1013.7381
1.000
FORMULA: 1000*(1+T)= 1013.7381
= 954.2381399
T = -4.58% 1.37%
R = -4.58% 1.37%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.395406 156.36224
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 156.28854 1562.8854
1.000
FORMULA: 1000*(1+T)= 1562.8854
= 1503.385388
T = 50.34% 56.29%
R = 50.34% 56.29%
Morgan Stanley Fixed Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.163328 98.39297
1 FEE 10-Nov-99 0.737 10.145329 0.07264 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 98.24662 982.4662
1.139
FORMULA: 1000*(1+T)= 982.4662
= 931.4662306
T = -6.04%
R = -6.85%
Morgan Stanley Equity Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 6.625376 150.93483
1 FEE 10-Nov-99 0.737 8.949247 0.08235 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 150.77878 1507.7878
1.139
FORMULA: 1000*(1+T)= 1507.7878
= 1456.787767
T = 39.14%
R = 45.68%
Morgan Stanley Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.328404 96.82038
1 FEE 10-Nov-99 0.737 9.958753 0.07401 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 96.67267 966.7267
1.139
FORMULA: 1000*(1+T)= 966.7267
= 915.7267473
T = -7.44%
R = -8.43%
Morgan Stanley Mid Cap Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.619367 131.24450
1 FEE 10-Nov-99 0.737 9.285396 0.07937 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.09143 1310.9143
1.139
FORMULA: 1000*(1+T)= 1310.9143
= 1259.914264
T = 22.49%
R = 25.99%
Morgan Stanley U.S. Real Estate
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.852999 0.07480 0.07
2 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 99.85050 985.1569
1.142
FORMULA: 1000*(1+T)= 985.1569
= 934.1569036
T = -5.79%
R = -6.58%
Morgan Stanley Global Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 9.272612 107.84448
1 FEE 10-Nov-99 0.737 9.700372 0.07598 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.69480 1076.9480
1.139
FORMULA: 1000*(1+T)= 1076.9480
= 1025.948014
T = 2.27%
R = 2.59%
Morgan Stanley International Magnum
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.638695 0.06332 0.07
2 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 99.87907 1277.8823
1.142
FORMULA: 1000*(1+T)= 1277.8823
= 1226.882324
T = 19.61%
R = 22.69%
Fidelity Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.012409 199.50487
1 FEE 17-Jun-98 0.737 6.079366 0.12123 0.07
2 FEE 17-Jun-99 0.737 8.182401 0.09007 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 199.21987 1992.1987
2.538
FORMULA: 1000*(1+T)= 1992.1987
= 1941.198677
T = 29.87%
R = 94.12%
Fidelity High Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.197812 108.72151
1 FEE 17-Jun-98 0.737 10.266224 0.07179 0.07
2 FEE 17-Jun-99 0.737 9.939643 0.07415 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 108.50187 1085.0187
2.538
FORMULA: 1000*(1+T)= 1085.0187
= 1034.018726
T = 1.33%
R = 3.40%
Fidelity Contrafund
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.741721 174.16381
1 FEE 17-Jun-98 0.737 7.080527 0.10409 0.07
2 FEE 17-Jun-99 0.737 8.849811 0.08328 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 173.90274 1739.0274
2.538
FORMULA: 1000*(1+T)= 1739.0274
= 1688.027421
T = 22.91%
R = 68.80%
Fidelity Equity Income
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 8.458301 118.22705
1 FEE 26-Jan-99 0.737 9.399714 0.07841 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 118.07495 1180.7495
1.927
FORMULA: 1000*(1+T)= 1180.7495
= 1129.749463
T = 6.53%
R = 12.97%
MFS Emerging Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 3.937622 253.96039
1 FEE 17-Jun-98 0.737 5.013294 0.14701 0.07
2 FEE 17-Jun-99 0.737 6.273653 0.11748 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 253.62220 2536.2220
2.538
FORMULA: 1000*(1+T)= 2536.2220
= 2485.222007
T = 43.15%
R = 148.52%
MFS Growth and Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.779496 113.90175
1 FEE 10-Nov-99 0.737 9.511124 0.07749 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 113.75057 1137.5057
1.139
FORMULA: 1000*(1+T)= 1137.5057
= 1086.505665
T = 7.56%
R = 8.65%
MFS New Discovery
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 5.134080 194.77686
1 FEE 09-Nov-99 0.737 7.663537 0.09617 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 194.60699 1946.0699
1.142
FORMULA: 1000*(1+T)= 1946.0699
= 1895.069939
T = 75.05%
R = 89.51%
Dreyfus Growth & Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 7.350806 136.03950
1 FEE 17-Jun-98 0.737 8.168512 0.09022 0.07
2 FEE 17-Jun-99 0.737 9.308357 0.07918 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 135.79640 1357.9640
2.538
FORMULA: 1000*(1+T)= 1357.9640
= 1306.96403
T = 11.12%
R = 30.70%
Dreyfus Money Market
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.176244 108.97705
1 FEE 17-Jun-98 0.737 9.510241 0.07750 0.07
2 FEE 17-Jun-99 0.737 9.816953 0.07507 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 108.75078 1087.5078
2.538
FORMULA: 1000*(1+T)= 1087.5078
= 1036.507802
T = 1.42%
R = 3.65%
Dreyfus Socially Responsible
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.864950 170.50444
1 FEE 17-Jun-98 0.737 7.247841 0.10169 0.07
2 FEE 17-Jun-99 0.737 8.443921 0.08728 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 170.24177 1702.4177
2.538
FORMULA: 1000*(1+T)= 1702.4177
= 1651.417702
T = 21.85%
R = 65.14%
Dreyfus Small Company
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 10.326683 96.83652
1 FEE 17-Jun-98 0.737 11.413717 0.06457 0.07
2 FEE 17-Jun-99 0.737 10.636515 0.06929 0.06
3 FEE 31-Dec-99 0.737 11.602306 0.06352 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 96.63913 1121.2368
2.538
FORMULA: 1000*(1+T)= 1121.2368
= 1070.23679
T = 2.71%
R = 7.02%
Dreyfus Stock Index
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 6.549928 152.67343
1 FEE 26-Jan-99 0.737 8.556215 0.08614 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 152.51360 1525.1360
1.927
FORMULA: 1000*(1+T)= 1525.1360
= 1474.135977
T = 22.30%
R = 47.41%
American Century Balanced
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 8.768032 114.05068
1 FEE 17-Jun-98 0.737 10.229981 0.07204 0.07
2 FEE 17-Jun-99 0.737 10.704156 0.06885 0.06
3 FEE 31-Dec-99 0.737 11.482353 0.06419 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 113.84560 1307.2153
2.538
FORMULA: 1000*(1+T)= 1307.2153
= 1256.215347
T = 9.40%
R = 25.62%
American Century International
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.369845 106.72535
1 FEE 17-Jun-98 0.737 11.515565 0.06400 0.07
2 FEE 17-Jun-99 0.737 11.677073 0.06312 0.06
3 FEE 31-Dec-99 0.737 17.713705 0.04161 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 106.55663 1887.5127
2.538
FORMULA: 1000*(1+T)= 1887.5127
= 1836.512704
T = 27.06%
R = 83.65%
AIM Capital Appreciation
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.239282 108.23352
1 FEE 26-Jan-99 0.737 11.372758 0.06480 0.07
2 FEE 31-Dec-99 0.737 16.212275 0.04546 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 108.12326 1752.9239
1.927
FORMULA: 1000*(1+T)= 1752.9239
= 1701.923947
T = 31.77%
R = 70.19%
AIM Diversified Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 10.197269 98.06547
1 FEE 28-Jan-99 0.737 10.439199 0.07060 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 97.92117 979.2117
1.922
FORMULA: 1000*(1+T)= 979.2117
= 928.2117294
T = -3.80%
R = -7.18%
AIM Growth and Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.982665 167.14959
1 FEE 28-Jan-99 0.737 7.844488 0.09395 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 166.98194 1669.8194
1.922
FORMULA: 1000*(1+T)= 1669.8194
= 1618.819384
T = 28.48%
R = 61.88%
AIM Government Securities
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 9.706714 103.02148
1 FEE 28-Jan-99 0.737 10.316312 0.07144 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 102.87634 1028.7634
1.922
FORMULA: 1000*(1+T)= 1028.7634
= 977.7633538
T = -1.16%
R = -2.22%
AIM Growth
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.686154 175.86580
1 FEE 28-Jan-99 0.737 7.859263 0.09377 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 175.69832 1756.9832
1.922
FORMULA: 1000*(1+T)= 1756.9832
= 1705.983214
T = 32.04%
R = 70.60%
AIM International Equity
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.766530 173.41451
1 FEE 28-Jan-99 0.737 6.587031 0.11189 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 173.22893 1732.2893
1.922
FORMULA: 1000*(1+T)= 1732.2893
= 1681.289279
T = 31.04%
R = 68.13%
AIM Global Utilities
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.391125 106.48352
1 FEE 26-Jan-99 0.737 10.828250 0.06806 0.07
2 FEE 31-Dec-99 0.737 14.096367 0.05228 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 106.36317 1499.3343
1.927
FORMULA: 1000*(1+T)= 1499.3343
= 1448.33427
T = 21.19%
R = 44.83%
AIM Value
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.970913 167.47857
1 FEE 28-Jan-99 0.737 8.177421 0.09013 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 167.31475 1673.1475
1.922
FORMULA: 1000*(1+T)= 1673.1475
= 1622.147487
T = 28.62%
R = 62.21%
AIM Balanced
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.900092 126.58080
1 FEE 10-Nov-99 0.737 9.256921 0.07962 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 126.42749 1264.2749
1.139
FORMULA: 1000*(1+T)= 1264.2749
= 1213.274883
T = 18.50%
R = 21.33%
AIM High Yield
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.781632 0.06836 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 99.86594 1120.1941
1.142
FORMULA: 1000*(1+T)= 1120.1941
= 1069.194141
T = 6.04%
R = 6.92%
Goldman Sachs Growth and Income
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.952878 0.07405 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 99.85514 1039.2860
1.142
FORMULA: 1000*(1+T)= 1039.2860
= 988.2860033
T = -1.03%
R = -1.17%
Goldman Sachs CORE U.S. Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.540053 132.62506
1 FEE 10-Nov-99 0.737 9.302394 0.07923 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 132.47214 1324.7214
1.139
FORMULA: 1000*(1+T)= 1324.7214
= 1273.721355
T = 23.67%
R = 27.37%
Goldman Sachs CORE Large Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 13.163346 0.05599 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 99.89512 1505.9218
1.142
FORMULA: 1000*(1+T)= 1505.9218
= 1454.921767
T = 38.88%
R = 45.49%
Goldman Sachs CORE Small Cap Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.171275 122.37992
1 FEE 10-Nov-99 0.737 8.995243 0.08193 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 122.22429 1222.2429
1.139
FORMULA: 1000*(1+T)= 1222.2429
= 1171.242901
T = 14.89%
R = 17.12%
Goldman Sachs Capital Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.309550 136.80733
1 FEE 10-Nov-99 0.737 9.127796 0.08074 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.65289 1366.5289
1.139
FORMULA: 1000*(1+T)= 1366.5289
= 1315.52885
T = 27.22%
R = 31.55%
Goldman Sachs Mid Cap Equity
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.707233 0.07592 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 99.84896 979.5996
1.142
FORMULA: 1000*(1+T)= 979.5996
= 928.5996357
T = -6.28%
R = -7.14%
Goldman Sachs International Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.197372 138.93960
1 FEE 10-Nov-99 0.737 8.829998 0.08347 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 138.78244 1387.8244
1.139
FORMULA: 1000*(1+T)= 1387.8244
= 1336.824364
T = 29.03%
R = 33.68%
Goldman Sachs Global Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.557229 94.72183
1 FEE 10-Nov-99 0.737 10.062529 0.07324 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 94.57488 945.7488
1.139
FORMULA: 1000*(1+T)= 945.7488
= 894.7488317
T = -9.30%
R = -10.53%
Neuberger & Berman AMT Guardian
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.647547 0.06328 0.07
2 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 99.87643 1220.7569
1.142
FORMULA: 1000*(1+T)= 1220.7569
= 1169.756909
T = 14.72%
R = 16.98%
Neuberger & Berman AMT Mid-Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 14.116259 0.05221 0.07
2 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 99.90765 1834.4289
1.142
FORMULA: 1000*(1+T)= 1834.4289
= 1783.428872
T = 65.99%
R = 78.34%
Neuberger & Berman AMT Partners
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.530193 0.06999 0.07
2 FEE 31-Dec-99 0.737 10.888889 0.06768 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 99.86233 1087.3898
1.142
FORMULA: 1000*(1+T)= 1087.3898
= 1036.389795
T = 3.18%
R = 3.64%
STI Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 99.93043 1058.5883
0.164
FORMULA: 1000*(1+T)= 1058.5883
= 999.0882999
T = -0.55%
R = -0.09%
STI Value Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 99.92206 944.8601
0.164
FORMULA: 1000*(1+T)= 944.8601
= 885.3600999
T = -52.35%
R = -11.46%
Federated Prime Money Fund II
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 99.92672 1004.9729
0.164
FORMULA: 1000*(1+T)= 1004.9729
= 945.4728999
T = -28.92%
R = -5.45%
MFS Research Series
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.673858 115.28895
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 115.21525 1152.1525
0.164
FORMULA: 1000*(1+T)= 1152.1525
= 1092.652522
T = 71.50%
R = 9.27%
Templeton Growth Securities
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Templeton International Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.880919 112.60096
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.52726 1125.2726
0.164
FORMULA: 1000*(1+T)= 1125.2726
= 1065.772594
T = 47.37%
R = 6.58%
Templeton Developing Markets
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.222301 121.62046
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.54676 1215.4676
0.164
FORMULA: 1000*(1+T)= 1215.4676
= 1155.967564
T = 141.65%
R = 15.60%
Franklin Small Cap Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Mutual Shares Securities Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Oppenheimer Main Street Growth & Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.277551 107.78707
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.71337 1077.1337
0.164
FORMULA: 1000*(1+T)= 1077.1337
= 1017.633658
T = 11.23%
R = 1.76%
Oppenheimer Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.254602 121.14454
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.07084 1210.7084
0.164
FORMULA: 1000*(1+T)= 1210.7084
= 1151.208446
T = 135.65%
R = 15.12%
Oppenheimer Aggressive Growth
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.284891 137.27041
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.19671 1371.9671
0.164
FORMULA: 1000*(1+T)= 1371.9671
= 1312.467135
T = 423.44%
R = 31.25%
Oppenheimer Strategic Bond
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.840721 101.61857
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 101.54487 1015.4487
0.164
FORMULA: 1000*(1+T)= 1015.4487
= 955.9487042
T = -23.99%
R = -4.41%
Oppenheimer Global Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.628302 131.09077
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.01707 1310.1707
0.164
FORMULA: 1000*(1+T)= 1310.1707
= 1250.670722
T = 290.26%
R = 25.07%
</TABLE>
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.328152 96.82274
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.74904 967.4904
1.000
FORMULA: 1000*(1+T)= 967.4904
= 907.9904234
T = -9.20% -3.25%
R = -9.20% -3.25%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.285638 137.25634
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 137.18264 1371.8264
1.000
FORMULA: 1000*(1+T)= 1371.8264
= 1312.326391
T = 31.23% 37.18%
R = 31.23% 37.18%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.352042 96.59930
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.52560 965.2560
1.000
FORMULA: 1000*(1+T)= 965.2560
= 905.7559895
T = -9.42% -3.47%
R = -9.42% -3.47%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.461155 118.18717
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.11347 1181.1347
1.000
FORMULA: 1000*(1+T)= 1181.1347
= 1121.634742
T = 12.16% 18.11%
R = 12.16% 18.11%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.758449 102.47530
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.40160 1024.0160
1.000
FORMULA: 1000*(1+T)= 1024.0160
= 964.5160114
T = -3.55% 2.40%
R = -3.55% 2.40%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.393290 135.25778
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 135.18408 1351.8408
1.000
FORMULA: 1000*(1+T)= 1351.8408
= 1292.34081
T = 29.23% 35.18%
R = 29.23% 35.18%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.386757 106.53307
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.45937 1064.5937
1.000
FORMULA: 1000*(1+T)= 1064.5937
= 1005.093657
T = 0.51% 6.46%
R = 0.51% 6.46%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.177740 122.28317
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.20947 1222.0947
1.000
FORMULA: 1000*(1+T)= 1222.0947
= 1162.594736
T = 16.26% 22.21%
R = 16.26% 22.21%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.749964 173.91413
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 173.84043 1738.4043
1.000
FORMULA: 1000*(1+T)= 1738.4043
= 1678.904323
T = 67.89% 73.84%
R = 67.89% 73.84%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.523686 105.00136
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.92766 1049.2766
1.000
FORMULA: 1000*(1+T)= 1049.2766
= 989.7766186
T = -1.02% 4.93%
R = -1.02% 4.93%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.859443 170.66469
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 170.59099 1705.9099
1.000
FORMULA: 1000*(1+T)= 1705.9099
= 1646.40986
T = 64.64% 70.59%
R = 64.64% 70.59%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.603049 116.23786
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 116.16416 1161.6416
1.000
FORMULA: 1000*(1+T)= 1161.6416
= 1102.141594
T = 10.21% 16.16%
R = 10.21% 16.16%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.699945 103.09337
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 103.01967 1030.1967
1.000
FORMULA: 1000*(1+T)= 1030.1967
= 970.6966805
T = -2.93% 3.02%
R = -2.93% 3.02%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.811456 128.01711
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.94341 1279.4341
1.000
FORMULA: 1000*(1+T)= 1279.4341
= 1219.934072
T = 21.99% 27.94%
R = 21.99% 27.94%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.556378 104.64216
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.56846 1045.6846
1.000
FORMULA: 1000*(1+T)= 1045.6846
= 986.1845626
T = -1.38% 4.57%
R = -1.38% 4.57%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.425217 118.69130
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.61760 1186.1760
1.000
FORMULA: 1000*(1+T)= 1186.1760
= 1126.676049
T = 12.67% 18.62%
R = 12.67% 18.62%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.356912 96.55388
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.48018 964.8018
1.000
FORMULA: 1000*(1+T)= 964.8018
= 905.3017628
T = -9.47% -3.52%
R = -9.47% -3.52%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.569769 132.10443
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.03073 1320.3073
1.000
FORMULA: 1000*(1+T)= 1320.3073
= 1260.807275
T = 26.08% 32.03%
R = 26.08% 32.03%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.299161 97.09529
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.02159 970.2159
1.000
FORMULA: 1000*(1+T)= 970.2159
= 910.7158766
T = -8.93% -2.98%
R = -8.93% -2.98%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.513183 133.09938
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 133.02568 1330.2568
1.000
FORMULA: 1000*(1+T)= 1330.2568
= 1270.756801
T = 27.08% 33.03%
R = 27.08% 33.03%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.553476 152.59078
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.51708 1525.1708
1.000
FORMULA: 1000*(1+T)= 1525.1708
= 1465.670778
T = 46.57% 52.52%
R = 46.57% 52.52%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.821362 127.85497
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.78127 1277.8127
1.000
FORMULA: 1000*(1+T)= 1277.8127
= 1218.312695
T = 21.83% 27.78%
R = 21.83% 27.78%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.512758 117.47074
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.39704 1173.9704
1.000
FORMULA: 1000*(1+T)= 1173.9704
= 1114.470421
T = 11.45% 17.40%
R = 11.45% 17.40%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.174617 122.32989
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.25619 1222.5619
1.000
FORMULA: 1000*(1+T)= 1222.5619
= 1163.061902
T = 16.31% 22.26%
R = 16.31% 22.26%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.644881 115.67539
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.60169 1156.0169
1.000
FORMULA: 1000*(1+T)= 1156.0169
= 1096.516922
T = 9.65% 15.60%
R = 9.65% 15.60%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.992446 125.11814
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 125.04444 1250.4444
1.000
FORMULA: 1000*(1+T)= 1250.4444
= 1190.944428
T = 19.09% 25.04%
R = 19.09% 25.04%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.706507 129.76047
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 129.68677 1296.8677
1.000
FORMULA: 1000*(1+T)= 1296.8677
= 1237.367738
T = 23.74% 29.69%
R = 23.74% 29.69%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.265289 97.41567
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.34197 973.4197
1.000
FORMULA: 1000*(1+T)= 973.4197
= 913.9196944
T = -8.61% -2.66%
R = -8.61% -2.66%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.191258 122.08137
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.00767 1220.0767
1.000
FORMULA: 1000*(1+T)= 1220.0767
= 1160.576702
T = 16.06% 22.01%
R = 16.06% 22.01%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.394835 119.12086
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.04716 1190.4716
1.000
FORMULA: 1000*(1+T)= 1190.4716
= 1130.971642
T = 13.10% 19.05%
R = 13.10% 19.05%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.245497 121.27832
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.20462 1212.0462
1.000
FORMULA: 1000*(1+T)= 1212.0462
= 1152.546171
T = 15.25% 21.20%
R = 15.25% 21.20%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.629503 150.84087
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 150.76717 1507.6717
1.000
FORMULA: 1000*(1+T)= 1507.6717
= 1448.1717
T = 44.82% 50.77%
R = 44.82% 50.77%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.159423 193.82012
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 193.74642 1937.4642
1.000
FORMULA: 1000*(1+T)= 1937.4642
= 1877.964229
T = 87.80% 93.75%
R = 87.80% 93.75%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.960165 111.60509
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.53139 1115.3139
1.000
FORMULA: 1000*(1+T)= 1115.3139
= 1055.813876
T = 5.58% 11.53%
R = 5.58% 11.53%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.348809 119.77756
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.70386 1197.0386
1.000
FORMULA: 1000*(1+T)= 1197.0386
= 1137.538635
T = 13.75% 19.70%
R = 13.75% 19.70%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.173081 139.41011
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 139.33641 1393.3641
1.000
FORMULA: 1000*(1+T)= 1393.3641
= 1333.864084
T = 33.39% 39.34%
R = 33.39% 39.34%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.534128 180.69694
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 180.62324 1806.2324
1.000
FORMULA: 1000*(1+T)= 1806.2324
= 1746.732409
T = 74.67% 80.62%
R = 74.67% 80.62%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.881990 101.19419
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 101.12049 1011.2049
1.000
FORMULA: 1000*(1+T)= 1011.2049
= 951.7049266
T = -4.83% 1.12%
R = -4.83% 1.12%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.411377 155.97273
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 155.89903 1558.9903
1.000
FORMULA: 1000*(1+T)= 1558.9903
= 1499.490341
T = 49.95% 55.90%
R = 49.95% 55.90%
Morgan Stanley Fixed Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.734433 0.07571
4 FEE 31-Dec-98 0.737 10.328152 0.07136
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Equity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 6.207439 0.11873
4 FEE 31-Dec-98 0.737 7.285638 0.10116
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 10.747757 0.06857
4 FEE 31-Dec-98 0.737 10.352042 0.07119
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Mid Cap Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 7.422397 0.09929
4 FEE 31-Dec-98 0.737 8.461155 0.08710
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley U.S. Real Estate
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 11.596911 0.06355
4 FEE 31-Dec-98 0.737 10.174200 0.07244
5 FEE 31-Dec-99 0.737 9.866319 0.07470 0.05
RESULTING VALUE 31-Dec-99 9.866319 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Global Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.743649 0.08429
4 FEE 31-Dec-98 0.737 9.758449 0.07552
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley International Magnum
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.681648 0.07612
4 FEE 31-Dec-98 0.737 10.383339 0.07098
5 FEE 31-Dec-99 0.737 12.794295 0.05760 0.05
RESULTING VALUE 31-Dec-99 12.794295 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Fidelity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.951243 338.84028
1 FEE 29-Dec-95 0.737 3.931751 0.18745
2 FEE 31-Dec-96 0.737 4.431808 0.16630
3 FEE 31-Dec-97 0.737 5.385630 0.13685
4 FEE 31-Dec-98 0.737 7.393290 0.09968
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 338.17630 3381.7630
5.000
FORMULA: 1000*(1+T)= 3381.7630
= 3339.263017
T = 27.27% 27.59%
R = 233.93% 238.18%
Fidelity High Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.457901 154.84908
1 FEE 29-Dec-95 0.737 7.672376 0.09606
2 FEE 31-Dec-96 0.737 8.609451 0.08560
3 FEE 31-Dec-97 0.737 9.969712 0.07392
4 FEE 31-Dec-98 0.737 9.386757 0.07851
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 154.44127 1544.4127
5.000
FORMULA: 1000*(1+T)= 1544.4127
= 1501.912743
T = 8.47% 9.08%
R = 50.19% 54.44%
Fidelity Contrafund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.386176 0.16803
2 FEE 31-Dec-96 0.737 5.232118 0.14086
3 FEE 31-Dec-97 0.737 6.392195 0.11530
4 FEE 31-Dec-98 0.737 8.177740 0.09012
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Emerging Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.152260 0.23380
2 FEE 31-Dec-96 0.737 3.630049 0.20303
3 FEE 31-Dec-97 0.737 4.354948 0.16923
4 FEE 31-Dec-98 0.737 5.749964 0.12817
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 5.057296 0.14573
2 FEE 31-Dec-96 0.737 6.193700 0.11899
3 FEE 31-Dec-97 0.737 7.910924 0.09316
4 FEE 31-Dec-98 0.737 9.523686 0.07739
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS New Discovery
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 5.859443 0.12578
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Dreyfus Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.562927 280.66811
1 FEE 29-Dec-95 0.737 5.456292 0.13507
2 FEE 31-Dec-96 0.737 6.744104 0.10928
3 FEE 31-Dec-97 0.737 7.836754 0.09404
4 FEE 31-Dec-98 0.737 8.603049 0.08567
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 280.17035 2801.7035
5.000
FORMULA: 1000*(1+T)= 2801.7035
= 2759.203482
T = 22.51% 22.88%
R = 175.92% 180.17%
Dreyfus Money Market
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.471233 118.04657
1 FEE 29-Dec-95 0.737 8.784757 0.08390
2 FEE 31-Dec-96 0.737 9.112229 0.08088
3 FEE 31-Dec-97 0.737 9.409819 0.07832
4 FEE 31-Dec-98 0.737 9.699945 0.07598
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 117.65379 1176.5379
5.000
FORMULA: 1000*(1+T)= 1176.5379
= 1134.037922
T = 2.55% 3.30%
R = 13.40% 17.65%
Dreyfus Socially Responsible
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.195821 312.90864
1 FEE 29-Dec-95 0.737 4.238850 0.17387
2 FEE 31-Dec-96 0.737 5.054251 0.14582
3 FEE 31-Dec-97 0.737 6.376929 0.11557
4 FEE 31-Dec-98 0.737 7.811456 0.09435
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 312.30533 3123.0533
5.000
FORMULA: 1000*(1+T)= 3123.0533
= 3080.553318
T = 25.24% 25.58%
R = 208.06% 212.31%
Dreyfus Small Company
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 9.608498 0.07670
3 FEE 31-Dec-97 0.737 11.516495 0.06400
4 FEE 31-Dec-98 0.737 10.658101 0.06915
5 FEE 31-Dec-99 0.737 11.602306 0.06352 0.05
RESULTING VALUE 31-Dec-99 11.602306 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
American Century Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.192417 161.48783
1 FEE 29-Dec-95 0.737 7.382332 0.09983
2 FEE 31-Dec-96 0.737 8.161701 0.09030
3 FEE 31-Dec-97 0.737 9.302794 0.07922
4 FEE 31-Dec-98 0.737 10.600203 0.06953
5 FEE 31-Dec-99 0.737 11.482353 0.06419 0.05
RESULTING VALUE 31-Dec-99 11.482353 161.08476 1849.6321
5.000
FORMULA: 1000*(1+T)= 1849.6321
= 1807.132122
T = 12.56% 13.09%
R = 80.71% 84.96%
American Century International
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.464081 154.70103
1 FEE 29-Dec-95 0.737 7.139290 0.10323
2 FEE 31-Dec-96 0.737 8.038282 0.09169
3 FEE 31-Dec-97 0.737 9.385834 0.07852
4 FEE 31-Dec-98 0.737 10.970876 0.06718
5 FEE 31-Dec-99 0.737 17.713705 0.04161 0.05
RESULTING VALUE 31-Dec-99 17.713705 154.31881 2733.5578
5.000
FORMULA: 1000*(1+T)= 2733.5578
= 2691.057828
T = 21.89% 22.28%
R = 169.11% 173.36%
Fidelity Equity Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.587658 217.97614
1 FEE 29-Dec-95 0.737 6.135125 0.12013
2 FEE 31-Dec-96 0.737 6.899573 0.10682
3 FEE 31-Dec-97 0.737 8.698725 0.08473
4 FEE 31-Dec-98 0.737 9.556378 0.07712
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 217.51365 2175.1365
5.000
FORMULA: 1000*(1+T)= 2175.1365
= 2132.636513
T = 16.35% 16.81%
R = 113.26% 117.51%
Dreyfus Stock Index
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.140831 318.38708
1 FEE 29-Dec-95 0.737 4.229810 0.17424
2 FEE 31-Dec-96 0.737 5.101578 0.14447
3 FEE 31-Dec-97 0.737 6.677331 0.11037
4 FEE 31-Dec-98 0.737 8.425217 0.08748
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 317.79682 3177.9682
5.000
FORMULA: 1000*(1+T)= 3177.9682
= 3135.46823
T = 25.68% 26.02%
R = 213.55% 217.80%
AIM Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.618493 177.98367
1 FEE 29-Dec-95 0.737 7.503668 0.09822
2 FEE 31-Dec-96 0.737 8.683006 0.08488
3 FEE 31-Dec-97 0.737 9.700204 0.07598
4 FEE 31-Dec-98 0.737 11.390160 0.06470
5 FEE 31-Dec-99 0.737 16.212275 0.04546 0.05
RESULTING VALUE 31-Dec-99 16.212275 177.61443 2879.5340
5.000
FORMULA: 1000*(1+T)= 2879.5340
= 2837.033984
T = 23.19% 23.56%
R = 183.70% 187.95%
AIM Diversified Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.432314 134.54760
1 FEE 29-Dec-95 0.737 8.706864 0.08465
2 FEE 31-Dec-96 0.737 9.437120 0.07810
3 FEE 31-Dec-97 0.737 10.159370 0.07254
4 FEE 31-Dec-98 0.737 10.356912 0.07116
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 134.16745 1341.6745
5.000
FORMULA: 1000*(1+T)= 1341.6745
= 1299.174527
T = 5.37% 6.05%
R = 29.92% 34.17%
AIM Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.130528 319.43493
1 FEE 29-Dec-95 0.737 4.124957 0.17867
2 FEE 31-Dec-96 0.737 4.869642 0.15135
3 FEE 31-Dec-97 0.737 6.022550 0.12237
4 FEE 31-Dec-98 0.737 7.569769 0.09736
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 318.81148 3188.1148
5.000
FORMULA: 1000*(1+T)= 3188.1148
= 3145.614836
T = 25.76% 26.10%
R = 214.56% 218.81%
AIM Government Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.973276 125.41896
1 FEE 29-Dec-95 0.737 9.068667 0.08127
2 FEE 31-Dec-96 0.737 9.127233 0.08075
3 FEE 31-Dec-97 0.737 9.716240 0.07585
4 FEE 31-Dec-98 0.737 10.299161 0.07156
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 125.03583 1250.3583
5.000
FORMULA: 1000*(1+T)= 1250.3583
= 1207.858342
T = 3.85% 4.57%
R = 20.79% 25.04%
AIM Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.957794 338.08981
1 FEE 29-Dec-95 0.737 3.922191 0.18791
2 FEE 31-Dec-96 0.737 4.560414 0.16161
3 FEE 31-Dec-97 0.737 5.691726 0.12949
4 FEE 31-Dec-98 0.737 7.513183 0.09809
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 337.43901 3374.3901
5.000
FORMULA: 1000*(1+T)= 3374.3901
= 3331.890123
T = 27.21% 27.54%
R = 233.19% 237.44%
AIM International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.019795 248.76890
1 FEE 29-Dec-95 0.737 4.638270 0.15890
2 FEE 31-Dec-96 0.737 5.480063 0.13449
3 FEE 31-Dec-97 0.737 5.766747 0.12780
4 FEE 31-Dec-98 0.737 6.553476 0.11246
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 248.16156 2481.6156
5.000
FORMULA: 1000*(1+T)= 2481.6156
= 2439.115608
T = 19.52% 19.94%
R = 143.91% 148.16%
AIM Global Utilities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.678112 176.11488
1 FEE 29-Dec-95 0.737 7.083244 0.10405
2 FEE 31-Dec-96 0.737 7.812330 0.09434
3 FEE 31-Dec-97 0.737 9.352724 0.07880
4 FEE 31-Dec-98 0.737 10.723141 0.06873
5 FEE 31-Dec-99 0.737 14.096367 0.05228 0.05
RESULTING VALUE 31-Dec-99 14.096367 175.71668 2476.9668
5.000
FORMULA: 1000*(1+T)= 2476.9668
= 2434.466778
T = 19.48% 19.89%
R = 143.45% 147.70%
AIM Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.249217 307.76646
1 FEE 29-Dec-95 0.737 4.355956 0.16919
2 FEE 31-Dec-96 0.737 4.931784 0.14944
3 FEE 31-Dec-97 0.737 6.003772 0.12276
4 FEE 31-Dec-98 0.737 7.821362 0.09423
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 307.15714 3071.5714
5.000
FORMULA: 1000*(1+T)= 3071.5714
= 3029.07138
T = 24.81% 25.16%
R = 202.91% 207.16%
AIM Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.512758 0.08658
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
AIM High Yield
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.311374 0.07147
5 FEE 31-Dec-99 0.737 11.216979 0.06570 0.05
RESULTING VALUE 31-Dec-99 11.216979 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.939312 0.07415
5 FEE 31-Dec-99 0.737 10.407937 0.07081 0.05
RESULTING VALUE 31-Dec-99 10.407937 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE U.S. Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.174617 0.09016
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Large Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 11.292301 0.06527
5 FEE 31-Dec-99 0.737 15.075028 0.04889 0.05
RESULTING VALUE 31-Dec-99 15.075028 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Small Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.644881 0.08525
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Capital Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.992446 0.09221
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Mid Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.977371 0.07387
5 FEE 31-Dec-99 0.737 9.810815 0.07512 0.05
RESULTING VALUE 31-Dec-99 9.810815 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.706507 0.09563
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Global Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.265289 0.07180
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Guardian
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.337619 0.08839
4 FEE 31-Dec-98 0.737 10.804961 0.06821
5 FEE 31-Dec-99 0.737 12.222673 0.06030 0.05
RESULTING VALUE 31-Dec-99 12.222673 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.842773 0.08334
4 FEE 31-Dec-98 0.737 12.122468 0.06080
5 FEE 31-Dec-99 0.737 18.361245 0.04014 0.05
RESULTING VALUE 31-Dec-99 18.361245 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Partners
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.540213 220.25398
1 FEE 29-Dec-95 0.737 6.098667 0.12085
2 FEE 31-Dec-96 0.737 7.776821 0.09477
3 FEE 31-Dec-97 0.737 10.046248 0.07336
4 FEE 31-Dec-98 0.737 10.303974 0.07153
5 FEE 31-Dec-99 0.737 10.888889 0.06768 0.05
RESULTING VALUE 31-Dec-99 10.888889 219.82580 2393.6587
5.000
FORMULA: 1000*(1+T)= 2393.6587
= 2351.15872
T = 18.65% 19.07%
R = 135.12% 139.37%
STI Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.764482 0.15469
2 FEE 31-Dec-96 0.737 5.802582 0.12701
3 FEE 31-Dec-97 0.737 7.798209 0.09451
4 FEE 31-Dec-98 0.737 9.899189 0.07445
5 FEE 31-Dec-99 0.737 10.593253 0.06957 0.05
RESULTING VALUE 31-Dec-99 10.593253 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
STI Value Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 6.294887 0.11708
2 FEE 31-Dec-96 0.737 7.349592 0.10028
3 FEE 31-Dec-97 0.737 9.174018 0.08034
4 FEE 31-Dec-98 0.737 9.904363 0.07441
5 FEE 31-Dec-99 0.737 9.455971 0.07794 0.05
RESULTING VALUE 31-Dec-99 9.455971 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Federated Prime Money Fund II
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.584137 116.49395
1 FEE 29-Dec-95 0.737 8.890712 0.08290
2 FEE 31-Dec-96 0.737 9.160105 0.08046
3 FEE 31-Dec-97 0.737 9.460144 0.07791
4 FEE 31-Dec-98 0.737 9.768797 0.07544
5 FEE 31-Dec-99 0.737 10.057099 0.07328 0.05
RESULTING VALUE 31-Dec-99 10.057099 116.10397 1167.6691
5.000
FORMULA: 1000*(1+T)= 1167.6691
= 1125.169103
T = 2.39% 3.15%
R = 12.52% 16.77%
MFS Research Series
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.734785 0.15566
2 FEE 31-Dec-96 0.737 5.699789 0.12930
3 FEE 31-Dec-97 0.737 6.745778 0.10925
4 FEE 31-Dec-98 0.737 8.191258 0.08997
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Templeton Growth Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.292542 188.94512
1 FEE 29-Dec-95 0.737 5.871595 0.12552
2 FEE 31-Dec-96 0.737 7.007698 0.10517
3 FEE 31-Dec-97 0.737 7.827607 0.09415
4 FEE 31-Dec-98 0.737 8.394835 0.08779
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 188.45879 1884.5879
5.000
FORMULA: 1000*(1+T)= 1884.5879
= 1842.087875
T = 13.00% 13.51%
R = 84.21% 88.46%
Templeton International Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.931498 202.77814
1 FEE 29-Dec-95 0.737 5.474975 0.13461
2 FEE 31-Dec-96 0.737 6.862468 0.10740
3 FEE 31-Dec-97 0.737 7.681397 0.09595
4 FEE 31-Dec-98 0.737 8.245497 0.08938
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 202.27711 2022.7711
5.000
FORMULA: 1000*(1+T)= 2022.7711
= 1980.271052
T = 14.64% 15.13%
R = 98.03% 102.28%
Templeton Developing Markets
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 12.264792 0.06009
3 FEE 31-Dec-97 0.737 8.530802 0.08639
4 FEE 31-Dec-98 0.737 6.629503 0.11117
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Franklin Small Cap Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.607117 0.20432
2 FEE 31-Dec-96 0.737 4.581585 0.16086
3 FEE 31-Dec-97 0.737 5.294542 0.13920
4 FEE 31-Dec-98 0.737 5.159423 0.14285
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Mutual Shares Securities Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 7.850991 0.09387
3 FEE 31-Dec-97 0.737 9.096588 0.08102
4 FEE 31-Dec-98 0.737 8.960165 0.08225
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Main Street Growth & Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.765920 0.15464
2 FEE 31-Dec-96 0.737 6.214679 0.11859
3 FEE 31-Dec-97 0.737 8.102519 0.09096
4 FEE 31-Dec-98 0.737 8.348809 0.08828
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.845217 351.46704
1 FEE 29-Dec-95 0.737 3.826668 0.19260
2 FEE 31-Dec-96 0.737 4.714692 0.15632
3 FEE 31-Dec-97 0.737 5.877998 0.12538
4 FEE 31-Dec-98 0.737 7.173081 0.10275
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 350.81630 3508.1630
5.000
FORMULA: 1000*(1+T)= 3508.1630
= 3465.662973
T = 28.22% 28.53%
R = 246.57% 250.82%
Oppenheimer Aggressive Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.949618 339.02695
1 FEE 29-Dec-95 0.737 3.847060 0.19157
2 FEE 31-Dec-96 0.737 4.551308 0.16193
3 FEE 31-Dec-97 0.737 5.004770 0.14726
4 FEE 31-Dec-98 0.737 5.534128 0.13317
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 338.31931 3383.1931
5.000
FORMULA: 1000*(1+T)= 3383.1931
= 3340.693124
T = 27.28% 27.60%
R = 234.07% 238.32%
Oppenheimer Strategic Bond
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.288321 137.20581
1 FEE 29-Dec-95 0.737 8.272450 0.08909
2 FEE 31-Dec-96 0.737 9.121944 0.08079
3 FEE 31-Dec-97 0.737 9.758714 0.07552
4 FEE 31-Dec-98 0.737 9.881990 0.07458
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 136.81212 1368.1212
5.000
FORMULA: 1000*(1+T)= 1368.1212
= 1325.621244
T = 5.80% 6.47%
R = 32.56% 36.81%
Oppenheimer Global Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.062749 246.13876
1 FEE 29-Dec-95 0.737 4.087982 0.18028
2 FEE 31-Dec-96 0.737 4.738819 0.15552
3 FEE 31-Dec-97 0.737 5.709433 0.12908
4 FEE 31-Dec-98 0.737 6.411377 0.11495
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 245.48521 2454.8521
5.000
FORMULA: 1000*(1+T)= 2454.8521
= 2412.352146
T = 19.26% 19.68%
R = 141.24% 145.49%
Fidelity Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.907882 524.14143
1 FEE 29-Dec-90 0.737 1.647078 0.44746
2 FEE 29-Dec-91 0.737 2.300433 0.32037
3 FEE 28-Dec-92 0.737 2.523727 0.29203
4 FEE 29-Dec-93 0.737 2.995664 0.24602
5 FEE 29-Dec-94 0.737 2.963619 0.24868
6 FEE 29-Dec-95 0.737 3.931751 0.18745
7 FEE 28-Dec-96 0.737 4.479560 0.16453
8 FEE 29-Dec-97 0.737 5.253984 0.14027
9 FEE 29-Dec-98 0.737 7.369219 0.10001
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 521.92090 5219.2090
10.000
FORMULA: 1000*(1+T)= 5219.2090
= 5219.209048
T = 17.97% 17.97%
R = 421.92% 421.92%
Fidelity High Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 3.662053 273.07087
1 FEE 29-Dec-90 0.737 3.451156 0.21355
2 FEE 29-Dec-91 0.737 4.616439 0.15965
3 FEE 28-Dec-92 0.737 5.610031 0.13137
4 FEE 29-Dec-93 0.737 6.654898 0.11075
5 FEE 29-Dec-94 0.737 6.458184 0.11412
6 FEE 29-Dec-95 0.737 7.672376 0.09606
7 FEE 28-Dec-96 0.737 8.576565 0.08593
8 FEE 29-Dec-97 0.737 9.955901 0.07403
9 FEE 29-Dec-98 0.737 9.346869 0.07885
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 271.93287 2719.3287
10.000
FORMULA: 1000*(1+T)= 2719.3287
= 2719.328686
T = 10.52% 10.52%
R = 171.93% 171.93%
Fidelity Equity Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.991399 334.29175
1 FEE 29-Dec-90 0.737 2.488663 0.29614
2 FEE 29-Dec-91 0.737 3.158039 0.23337
3 FEE 28-Dec-92 0.737 3.694294 0.19950
4 FEE 29-Dec-93 0.737 4.393907 0.16773
5 FEE 29-Dec-94 0.737 4.590848 0.16054
6 FEE 29-Dec-95 0.737 6.135125 0.12013
7 FEE 28-Dec-96 0.737 6.982818 0.10554
8 FEE 29-Dec-97 0.737 8.538246 0.08632
9 FEE 29-Dec-98 0.737 9.576016 0.07696
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 332.77181 3327.7181
10.000
FORMULA: 1000*(1+T)= 3327.7181
= 3327.718128
T = 12.78% 12.78%
R = 232.77% 232.77%
Dreyfus Stock Index
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.297421 435.27068
1 FEE 29-Dec-90 0.737 2.126866 0.34652
2 FEE 29-Dec-91 0.737 2.507642 0.29390
3 FEE 28-Dec-92 0.737 2.909931 0.25327
4 FEE 29-Dec-93 0.737 3.130936 0.23539
5 FEE 29-Dec-94 0.737 3.100579 0.23770
6 FEE 29-Dec-95 0.737 4.229810 0.17424
7 FEE 28-Dec-96 0.737 5.215140 0.14132
8 FEE 29-Dec-97 0.737 6.574672 0.11210
9 FEE 29-Dec-98 0.737 8.510186 0.08660
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 433.31594 4333.1594
10.000
FORMULA: 1000*(1+T)= 4333.1594
= 4333.159398
T = 15.79% 15.79%
R = 333.32% 333.32%
Templeton Growth Securities
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 #N/A #N/A
1 FEE 29-Dec-90 0.737 #N/A #N/A
2 FEE 29-Dec-91 0.737 #N/A #N/A
3 FEE 28-Dec-92 0.737 #N/A #N/A
4 FEE 29-Dec-93 0.737 #N/A #N/A
5 FEE 29-Dec-94 0.737 5.293006 0.13924
6 FEE 29-Dec-95 0.737 5.871595 0.12552
7 FEE 28-Dec-96 0.737 6.957827 0.10592
8 FEE 29-Dec-97 0.737 7.756846 0.09501
9 FEE 29-Dec-98 0.737 8.389886 0.08784
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
10.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.156838 463.64168
1 FEE 29-Dec-90 0.737 1.940567 0.37979
2 FEE 29-Dec-91 0.737 2.354870 0.31297
3 FEE 28-Dec-92 0.737 2.700360 0.27293
4 FEE 29-Dec-93 0.737 2.866762 0.25708
5 FEE 29-Dec-94 0.737 2.856608 0.25800
6 FEE 29-Dec-95 0.737 3.826668 0.19260
7 FEE 28-Dec-96 0.737 4.762259 0.15476
8 FEE 29-Dec-97 0.737 5.744411 0.12830
9 FEE 29-Dec-98 0.737 7.132626 0.10333
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 461.50824 4615.0824
10.000
FORMULA: 1000*(1+T)= 4615.0824
= 4615.082382
T = 16.52% 16.52%
R = 361.51% 361.51%
Oppenheimer Aggressive Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.828414 546.92209
1 FEE 29-Dec-90 0.737 1.483024 0.49696
2 FEE 29-Dec-91 0.737 2.193821 0.33594
3 FEE 28-Dec-92 0.737 2.533091 0.29095
4 FEE 29-Dec-93 0.737 3.198506 0.23042
5 FEE 29-Dec-94 0.737 2.939517 0.25072
6 FEE 29-Dec-95 0.737 3.847060 0.19157
7 FEE 28-Dec-96 0.737 4.493302 0.16402
8 FEE 29-Dec-97 0.737 4.852456 0.15188
9 FEE 29-Dec-98 0.737 5.434608 0.13561
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 544.60030 5446.0030
10.000
FORMULA: 1000*(1+T)= 5446.0030
= 5446.003039
T = 18.47% 18.47%
R = 444.60% 444.60%
Morgan Stanley Fixed Income
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 8.999573 111.11638
1 FEE 02-Jan-98 0.737 9.780335 0.07536 0.07
2 FEE 02-Jan-99 0.737 10.328152 0.07136 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 110.89597 1108.9597
2.992
FORMULA: 1000*(1+T)= 1108.9597
= 1057.959693
T = 1.90%
R = 5.80%
Morgan Stanley Equity Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.742018 210.88068
1 FEE 02-Jan-98 0.737 6.207439 0.11873 0.07
2 FEE 02-Jan-99 0.737 7.285638 0.10116 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 210.58710 2105.8710
2.992
FORMULA: 1000*(1+T)= 2105.8710
= 2054.870977
T = 27.21%
R = 105.49%
Morgan Stanley Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.027444 110.77333
1 FEE 02-Jan-98 0.737 10.774186 0.06840 0.07
2 FEE 02-Jan-99 0.737 10.352042 0.07119 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 110.56003 1105.6003
2.992
FORMULA: 1000*(1+T)= 1105.6003
= 1054.600284
T = 1.79%
R = 5.46%
Morgan Stanley Mid Cap Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.353358 186.79864
1 FEE 02-Jan-98 0.737 7.388312 0.09975 0.07
2 FEE 02-Jan-99 0.737 8.461155 0.08710 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 186.53809 1865.3809
2.992
FORMULA: 1000*(1+T)= 1865.3809
= 1814.38085
T = 22.03%
R = 81.44%
Morgan Stanley U.S. Real Estate
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 9.959228 100.40939
1 FEE 04-Mar-98 0.737 11.321853 0.06510 0.07
2 FEE 04-Mar-99 0.737 9.794307 0.07525 0.06
3 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 100.19435 988.5494
2.825
FORMULA: 1000*(1+T)= 988.5494
= 937.5493937
T = -2.26%
R = -6.25%
Morgan Stanley Global Equity
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.404764 135.04819
1 FEE 02-Jan-98 0.737 8.743649 0.08429 0.07
2 FEE 02-Jan-99 0.737 9.758449 0.07552 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.81468 1348.1468
2.992
FORMULA: 1000*(1+T)= 1348.1468
= 1297.146792
T = 9.08%
R = 29.71%
Morgan Stanley International Magnum
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.165652 109.10299
1 FEE 02-Jan-98 0.737 9.718113 0.07584 0.07
2 FEE 02-Jan-99 0.737 10.529467 0.06999 0.06
3 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 108.89955 1393.2930
2.992
FORMULA: 1000*(1+T)= 1393.2930
= 1342.29297
T = 10.34%
R = 34.23%
Fidelity Growth
09-Oct-86
TO NO. YEARS13.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-86 1000.00 1.289659 775.39877
1 FEE 09-Oct-87 0.737 1.619693 0.45502 0.07
2 FEE 09-Oct-88 0.737 1.497126 0.49228 0.06
3 FEE 09-Oct-89 0.737 1.962601 0.37552 0.06
4 09-Oct-90 0.737 1.540769 0.47833 0.05
5 09-Oct-91 0.737 2.094794 0.35182 0.05
6 09-Oct-92 0.737 2.203167 0.33452 0.04
7 09-Oct-93 0.737 2.993413 0.24621 0.03
8 09-Oct-94 0.737 2.829647 0.26046 0
9 09-Oct-95 0.737 3.837640 0.19205 0
10 09-Oct-96 0.737 4.415067 0.16693 0
11 09-Oct-97 0.737 5.574275 0.13221 0
12 09-Oct-98 0.737 5.515053 0.13363 0
13 09-Oct-99 0.737 8.503794 0.08667 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 771.61942 7716.1942
13.227
FORMULA: 1000*(1+T)= 7716.1942
= 7716.19416
T = 16.71%
R = 671.62%
Fidelity High Income
20-Sep-85
TO NO. YEARS14.278
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 20-Sep-85 1000.00 2.892667 345.70173
1 FEE 20-Sep-86 0.737 3.389413 0.21744 0.07
2 FEE 20-Sep-87 0.737 3.608863 0.20422 0.06
3 FEE 20-Sep-88 0.737 3.819686 0.19295 0.06
4 20-Sep-89 0.737 3.877438 0.19007 0.05
5 20-Sep-90 0.737 3.526424 0.20899 0.05
6 20-Sep-91 0.737 4.431110 0.16632 0.04
7 20-Sep-92 0.737 5.593037 0.13177 0.03
8 20-Sep-93 0.737 6.359971 0.11588 0
9 20-Sep-94 0.737 6.577072 0.11206 0
10 20-Sep-95 0.737 7.475849 0.09858 0
11 20-Sep-96 0.737 8.392333 0.08782 0
12 20-Sep-97 0.737 9.800957 0.07520 0
13 20-Sep-98 0.737 8.971629 0.08215 0
14 FEE 20-Sep-99 0.737 9.769714 0.07544 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 343.66914 3436.6914
14.278
FORMULA: 1000*(1+T)= 3436.6914
= 3436.691419
T = 9.03%
R = 243.67%
Fidelity Contrafund
03-Jan-95
TO NO. YEARS 4.991
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Jan-95 1000.00 3.189144 313.56377
1 FEE 03-Jan-96 0.737 4.353415 0.16929 0.07
2 FEE 03-Jan-97 0.737 5.228268 0.14096 0.06
3 FEE 03-Jan-98 0.737 6.382017 0.11548 0.06
4 03-Jan-99 0.737 8.177740 0.09012 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 312.97420 3129.7420
4.991
FORMULA: 1000*(1+T)= 3129.7420
= 3087.242047
T = 25.34%
R = 208.72%
Fidelity Equity Income
23-Oct-86
TO NO. YEARS13.188
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 23-Oct-86 1000.00 2.252294 443.99177
1 FEE 23-Oct-87 0.737 2.189800 0.33656 0.07
2 FEE 23-Oct-88 0.737 2.635425 0.27965 0.06
3 FEE 23-Oct-89 0.737 3.011602 0.24472 0.06
4 23-Oct-90 0.737 2.335269 0.31560 0.05
5 23-Oct-91 0.737 3.100993 0.23767 0.05
6 23-Oct-92 0.737 3.456758 0.21321 0.04
7 23-Oct-93 0.737 4.355773 0.16920 0.03
8 23-Oct-94 0.737 4.697689 0.15689 0
9 23-Oct-95 0.737 5.771543 0.12770 0
10 23-Oct-96 0.737 6.611069 0.11148 0
11 23-Oct-97 0.737 8.531016 0.08639 0
12 23-Oct-98 0.737 8.676537 0.08494 0
13 23-Oct-99 0.737 9.667936 0.07623 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 441.47785 4414.7785
13.188
FORMULA: 1000*(1+T)= 4414.7785
= 4414.77846
T = 11.92%
R = 341.48%
MFS Emerging Growth
24-Jul-95
TO NO. YEARS 4.438
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 24-Jul-95 1000.00 2.703516 369.88869
1 FEE 24-Jul-96 0.737 3.200364 0.23029 0.07
2 FEE 24-Jul-97 0.737 4.309501 0.17102 0.06
3 FEE 24-Jul-98 0.737 5.242922 0.14057 0.06
4 24-Jul-99 0.737 6.346513 0.11613 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 369.15699 3691.5699
4.438
FORMULA: 1000*(1+T)= 3691.5699
= 3649.06992
T = 33.87%
R = 264.91%
MFS Growth and Income
09-Oct-95
TO NO. YEARS 4.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-95 1000.00 4.759159 210.12116
1 FEE 09-Oct-96 0.737 5.846778 0.12605 0.07
2 FEE 09-Oct-97 0.737 7.786174 0.09465 0.06
3 FEE 09-Oct-98 0.737 7.847179 0.09392 0.06
4 09-Oct-99 0.737 9.246016 0.07971 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 209.65312 2096.5312
4.227
FORMULA: 1000*(1+T)= 2096.5312
= 2054.031215
T = 18.56%
R = 105.40%
MFS New Discovery
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 5.794950 172.56404
1 FEE 01-May-99 0.737 6.144795 0.11994 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 172.37040 1723.7040
1.667
FORMULA: 1000*(1+T)= 1723.7040
= 1672.704039
T = 36.14%
R = 67.27%
Dreyfus Growth & Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.673538 272.21714
1 FEE 02-May-95 0.737 4.420393 0.16673 0.07
2 FEE 02-May-96 0.737 6.313653 0.11673 0.06
3 FEE 02-May-97 0.737 6.688998 0.11018 0.06
4 02-May-98 0.737 8.806074 0.08369 0.05
5 02-May-99 0.737 9.063703 0.08131 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 271.58479 2715.8479
5.665
FORMULA: 1000*(1+T)= 2715.8479
= 2681.847928
T = 19.02%
R = 168.18%
Dreyfus Money Market
31-Aug-90
TO NO. YEARS 9.333
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Aug-90 1000.00 7.446192 134.29683
1 FEE 31-Aug-91 0.737 7.812731 0.09433 0.07
2 FEE 31-Aug-92 0.737 8.056685 0.09148 0.06
3 FEE 31-Aug-93 0.737 8.202732 0.08985 0.06
4 31-Aug-94 0.737 8.371569 0.08804 0.05
5 31-Aug-95 0.737 8.703448 0.08468 0.05
6 31-Aug-96 0.737 9.009056 0.08181 0.04
7 31-Aug-97 0.737 9.300039 0.07925 0.03
8 31-Aug-98 0.737 9.598688 0.07678 0
9 31-Aug-99 0.737 9.888366 0.07453 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.46239 1334.6239
9.333
FORMULA: 1000*(1+T)= 1334.6239
= 1334.623923
T = 3.14%
R = 33.46%
Dreyfus Socially Responsible
07-Oct-93
TO NO. YEARS 6.231
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 07-Oct-93 1000.00 2.992159 334.20684
1 FEE 07-Oct-94 0.737 3.204011 0.23002 0.07
2 FEE 07-Oct-95 0.737 4.109152 0.17936 0.06
3 FEE 07-Oct-96 0.737 4.835938 0.15240 0.06
4 07-Oct-97 0.737 6.663822 0.11060 0.05
5 07-Oct-98 0.737 6.097313 0.12087 0.05
6 07-Oct-99 0.737 8.647671 0.08523 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 333.25466 3332.5466
6.231
FORMULA: 1000*(1+T)= 3332.5466
= 3307.046626
T = 21.16%
R = 230.70%
Dreyfus Small Company
30-Apr-96
TO NO. YEARS 3.669
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-96 1000.00 8.931576 111.96232
1 FEE 30-Apr-97 0.737 9.264909 0.07955 0.07
2 FEE 30-Apr-98 0.737 12.392045 0.05947 0.06
3 FEE 30-Apr-99 0.737 10.476103 0.07035 0.06
4 31-Dec-99 0.737 11.602306 0.06352 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 111.68943 1295.8549
3.669
FORMULA: 1000*(1+T)= 1295.8549
= 1253.354941
T = 6.35%
R = 25.34%
Dreyfus Stock Index
29-Sep-89
TO NO. YEARS10.253
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Sep-89 1000.00 2.257786 442.91177
1 FEE 29-Sep-90 0.737 2.014671 0.36582 0.07
2 FEE 29-Sep-91 0.737 2.634326 0.27977 0.06
3 FEE 29-Sep-92 0.737 2.786637 0.26448 0.06
4 29-Sep-93 0.737 3.136115 0.23500 0.05
5 29-Sep-94 0.737 3.225976 0.22846 0.05
6 29-Sep-95 0.737 4.012405 0.18368 0.04
7 29-Sep-96 0.737 4.487805 0.16422 0.03
8 29-Sep-97 0.737 6.390307 0.11533 0
9 29-Sep-98 0.737 7.197909 0.10239 0
10 29-Sep-99 0.737 8.648354 0.08522 0
11 31-Dec-99 0.737 10.000000 0.07370 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 440.81371 4408.1371
10.253
FORMULA: 1000*(1+T)= 4408.1371
= 4408.137061
T = 15.57%
R = 340.81%
American Century Balanced
01-May-91
TO NO. YEARS 8.668
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-91 1000.00 5.136210 194.69609
1 FEE 01-May-92 0.737 5.776160 0.12759 0.07
2 FEE 01-May-93 0.737 5.828648 0.12644 0.06
3 FEE 01-May-94 0.737 6.218502 0.11852 0.06
4 01-May-95 0.737 6.518490 0.11306 0.05
5 01-May-96 0.737 7.546020 0.09767 0.05
6 01-May-97 0.737 8.169798 0.09021 0.04
7 01-May-98 0.737 10.083957 0.07309 0.03
8 01-May-99 0.737 10.786170 0.06833 0
9 31-Dec-99 0.737 11.482353 0.06419 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 193.81699 2225.4751
8.668
FORMULA: 1000*(1+T)= 2225.4751
= 2225.475133
T = 9.67%
R = 122.55%
American Century International
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 6.876426 145.42438
1 FEE 02-May-95 0.737 6.578415 0.11203 0.07
2 FEE 02-May-96 0.737 7.540259 0.09774 0.06
3 FEE 02-May-97 0.737 8.639725 0.08530 0.06
4 02-May-98 0.737 11.320883 0.06510 0.05
5 02-May-99 0.737 11.543972 0.06384 0.05
6 31-Dec-99 0.737 17.713705 0.04161 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 144.95875 2567.7566
5.665
FORMULA: 1000*(1+T)= 2567.7566
= 2533.756589
T = 17.84%
R = 153.38%
AIM Capital Appreciation
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 4.709692 212.32811
1 FEE 05-May-94 0.737 5.543622 0.13295 0.07
2 FEE 05-May-95 0.737 6.169436 0.11946 0.06
3 FEE 05-May-96 0.737 8.333030 0.08844 0.06
4 05-May-97 0.737 8.720256 0.08452 0.05
5 05-May-98 0.737 10.987151 0.06708 0.05
6 05-May-99 0.737 11.688021 0.06306 0.04
7 31-Dec-99 0.737 16.212275 0.04546 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 211.72715 3432.5788
6.656
FORMULA: 1000*(1+T)= 3432.5788
= 3407.078804
T = 20.22%
R = 240.71%
AIM Diversified Income
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 7.580780 131.91255
1 FEE 05-May-94 0.737 7.552146 0.09759 0.07
2 FEE 05-May-95 0.737 8.058163 0.09146 0.06
3 FEE 05-May-96 0.737 8.593054 0.08577 0.06
4 05-May-97 0.737 9.419294 0.07824 0.05
5 05-May-98 0.737 10.466491 0.07042 0.05
6 05-May-99 0.737 10.360414 0.07114 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.34424 1313.4424
6.656
FORMULA: 1000*(1+T)= 1313.4424
= 1287.942371
T = 3.88%
R = 28.79%
AIM Growth and Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.164357 316.01997
1 FEE 02-May-95 0.737 3.488154 0.21129 0.07
2 FEE 02-May-96 0.737 4.346012 0.16958 0.06
3 FEE 02-May-97 0.737 5.152204 0.14305 0.06
4 02-May-98 0.737 6.752076 0.10915 0.05
5 02-May-99 0.737 8.264049 0.08918 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 315.22402 3152.2402
5.665
FORMULA: 1000*(1+T)= 3152.2402
= 3118.240227
T = 22.23%
R = 211.82%
AIM Government Securities
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 8.213313 121.75355
1 FEE 05-May-94 0.737 8.033430 0.09174 0.07
2 FEE 05-May-95 0.737 8.481307 0.08690 0.06
3 FEE 05-May-96 0.737 8.708278 0.08463 0.06
4 05-May-97 0.737 9.180633 0.08028 0.05
5 05-May-98 0.737 9.848717 0.07483 0.05
6 05-May-99 0.737 10.180400 0.07239 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.18907 1211.8907
6.656
FORMULA: 1000*(1+T)= 1211.8907
= 1186.390736
T = 2.60%
R = 18.64%
AIM Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.814399 355.31565
1 FEE 05-May-94 0.737 2.951356 0.24972 0.07
2 FEE 05-May-95 0.737 3.292881 0.22382 0.06
3 FEE 05-May-96 0.737 4.149999 0.17759 0.06
4 05-May-97 0.737 4.875980 0.15115 0.05
5 05-May-98 0.737 6.553536 0.11246 0.05
6 05-May-99 0.737 8.007679 0.09204 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 354.23518 3542.3518
6.656
FORMULA: 1000*(1+T)= 3542.3518
= 3516.851799
T = 20.80%
R = 251.69%
AIM International Equity
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.528627 283.39635
1 FEE 05-May-94 0.737 4.083827 0.18047 0.07
2 FEE 05-May-95 0.737 4.213658 0.17491 0.06
3 FEE 05-May-96 0.737 5.037449 0.14630 0.06
4 05-May-97 0.737 5.553543 0.13271 0.05
5 05-May-98 0.737 6.785865 0.10861 0.05
6 05-May-99 0.737 6.647988 0.11086 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 282.46879 2824.6879
6.656
FORMULA: 1000*(1+T)= 2824.6879
= 2799.1879
T = 16.73%
R = 179.92%
AIM Global Utilities
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 5.911053 169.17460
1 FEE 02-May-95 0.737 5.986780 0.12310 0.07
2 FEE 02-May-96 0.737 7.026721 0.10489 0.06
3 FEE 02-May-97 0.737 7.882383 0.09350 0.06
4 02-May-98 0.737 10.236401 0.07200 0.05
5 02-May-99 0.737 10.999097 0.06701 0.05
6 31-Dec-99 0.737 14.096367 0.05228 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 168.66182 2377.5189
5.665
FORMULA: 1000*(1+T)= 2377.5189
= 2343.518906
T = 16.22%
R = 134.35%
AIM Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.793112 358.02360
1 FEE 05-May-94 0.737 3.238820 0.22755 0.07
2 FEE 05-May-95 0.737 3.654877 0.20165 0.06
3 FEE 05-May-96 0.737 4.394588 0.16771 0.06
4 05-May-97 0.737 5.277501 0.13965 0.05
5 05-May-98 0.737 6.777057 0.10875 0.05
6 05-May-99 0.737 8.501582 0.08669 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 357.01790 3570.1790
6.656
FORMULA: 1000*(1+T)= 3570.1790
= 3544.679
T = 20.94%
R = 254.47%
AIM Balanced
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 7.616092 131.30093
1 FEE 01-May-99 0.737 8.861994 0.08316 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.14407 1311.4407
1.667
FORMULA: 1000*(1+T)= 1311.4407
= 1260.440708
T = 14.89%
R = 26.04%
AIM High Yield
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 11.290974 88.56632
1 FEE 01-May-99 0.737 11.023511 0.06686 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 88.43376 991.9596
1.667
FORMULA: 1000*(1+T)= 991.9596
= 940.9596004
T = -3.58%
R = -5.90%
Goldman Sachs Growth and Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 9.658724 103.53334
1 FEE 12-Jan-99 0.737 10.190802 0.07232 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 103.39021 1076.0788
1.966
FORMULA: 1000*(1+T)= 1076.0788
= 1025.078824
T = 1.27%
R = 2.51%
Goldman Sachs CORE U.S. Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 7.266812 137.61193
1 FEE 13-Feb-99 0.737 8.266423 0.08916 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.44907 1374.4907
1.878
FORMULA: 1000*(1+T)= 1374.4907
= 1323.490708
T = 16.09%
R = 32.35%
Goldman Sachs CORE Large Cap Growth
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.813933 101.89595
1 FEE 13-Feb-99 0.737 11.309785 0.06516 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 101.78189 1534.3649
1.878
FORMULA: 1000*(1+T)= 1534.3649
= 1483.364898
T = 23.36%
R = 48.34%
Goldman Sachs CORE Small Cap Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.708225 103.00544
1 FEE 13-Feb-99 0.737 7.998622 0.09214 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 102.83960 1028.3960
1.878
FORMULA: 1000*(1+T)= 1028.3960
= 977.3960038
T = -1.21%
R = -2.26%
Goldman Sachs Capital Growth
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 7.142973 139.99773
1 FEE 30-Apr-99 0.737 8.695777 0.08475 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 139.83928 1398.3928
1.670
FORMULA: 1000*(1+T)= 1398.3928
= 1347.392754
T = 19.55%
R = 34.74%
Goldman Sachs Mid Cap Equity
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 11.767255 84.98159
1 FEE 30-Apr-99 0.737 10.840596 0.06799 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 84.83848 832.3346
1.670
FORMULA: 1000*(1+T)= 832.3346
= 781.3346344
T = -13.74%
R = -21.87%
Goldman Sachs International Equity
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 6.571448 152.17346
1 FEE 12-Jan-99 0.737 7.767139 0.09489 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 152.00488 1520.0488
1.966
FORMULA: 1000*(1+T)= 1520.0488
= 1469.048762
T = 21.61%
R = 46.90%
Goldman Sachs Global Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 10.102091 98.98941
1 FEE 12-Jan-99 0.737 10.289713 0.07162 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 98.84408 988.4408
1.966
FORMULA: 1000*(1+T)= 988.4408
= 937.440823
T = -3.23%
R = -6.26%
Neuberger & Berman AMT Guardian
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.945475 125.85780
1 FEE 03-Nov-98 0.737 9.697367 0.07600 0.07
2 FEE 03-Nov-99 0.737 11.573280 0.06368 0.06
3 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 125.65782 1535.8745
2.157
FORMULA: 1000*(1+T)= 1535.8745
= 1484.874451
T = 20.11%
R = 48.49%
Neuberger & Berman AMT Mid-Cap Growth
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.563989 132.20537
1 FEE 03-Nov-98 0.737 9.650452 0.07637 0.07
2 FEE 03-Nov-99 0.737 13.672999 0.05390 0.06
3 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 132.03496 2424.3263
2.157
FORMULA: 1000*(1+T)= 2424.3263
= 2373.326331
T = 49.27%
R = 137.33%
Neuberger & Berman AMT Partners
22-Mar-94
TO NO. YEARS 5.777
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 22-Mar-94 1000.00 4.704773 212.55011
1 FEE 22-Mar-95 0.737 4.834648 0.15244 0.07
2 FEE 22-Mar-96 0.737 6.597729 0.11171 0.06
3 FEE 22-Mar-97 0.737 8.058264 0.09146 0.06
4 22-Mar-98 0.737 11.138676 0.06617 0.05
5 22-Mar-99 0.737 10.592220 0.06958 0.05
6 31-Dec-99 0.737 10.888889 0.06768 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 211.99107 2308.3472
5.777
FORMULA: 1000*(1+T)= 2308.3472
= 2274.34725
T = 15.29%
R = 127.43%
STI Capital Appreciation
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 4.471759 223.62566
1 FEE 02-Oct-96 0.737 5.506528 0.13384 0.07
2 FEE 02-Oct-97 0.737 7.581197 0.09721 0.06
3 FEE 02-Oct-98 0.737 7.890025 0.09341 0.06
4 02-Oct-99 0.737 9.740881 0.07566 0.05
5 31-Dec-99 0.737 10.593253 0.06957 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 223.15596 2363.9475
4.246
FORMULA: 1000*(1+T)= 2363.9475
= 2321.447523
T = 21.94%
R = 132.14%
STI Value Income
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 5.888812 169.81355
1 FEE 02-Oct-96 0.737 7.013256 0.10509 0.07
2 FEE 02-Oct-97 0.737 9.265567 0.07954 0.06
3 FEE 02-Oct-98 0.737 8.802561 0.08373 0.06
4 02-Oct-99 0.737 9.742285 0.07565 0.05
5 31-Dec-99 0.737 9.455971 0.07794 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 169.39160 1601.7621
4.246
FORMULA: 1000*(1+T)= 1601.7621
= 1559.262104
T = 11.03%
R = 55.93%
Federated Prime Money Fund II
21-Nov-94
TO NO. YEARS 5.109
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 21-Nov-94 1000.00 8.557007 116.86329
1 FEE 21-Nov-95 0.737 8.855477 0.08323 0.07
2 FEE 21-Nov-96 0.737 9.132512 0.08070 0.06
3 FEE 21-Nov-97 0.737 9.427165 0.07818 0.06
4 21-Nov-98 0.737 9.739616 0.07567 0.05
5 21-Nov-99 0.737 10.019285 0.07356 0.05
6 31-Dec-99 0.737 10.057099 0.07328 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 116.39867 1170.6330
5.109
FORMULA: 1000*(1+T)= 1170.6330
= 1136.632987
T = 2.54%
R = 13.66%
MFS Research Series
26-Jul-95
TO NO. YEARS 4.433
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jul-95 1000.00 4.309415 232.05006
1 FEE 26-Jul-96 0.737 4.984473 0.14786 0.07
2 FEE 26-Jul-97 0.737 6.810142 0.10822 0.06
3 FEE 26-Jul-98 0.737 7.945780 0.09275 0.06
4 26-Jul-99 0.737 8.645744 0.08524 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 231.54228 2315.4228
4.433
FORMULA: 1000*(1+T)= 2315.4228
= 2272.922798
T = 20.35%
R = 127.29%
Templeton Growth Securities
15-Mar-94
TO NO. YEARS 5.796
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Mar-94 1000.00 5.196796 192.42626
1 FEE 15-Mar-95 0.737 5.240164 0.14064 0.07
2 FEE 15-Mar-96 0.737 6.115829 0.12051 0.06
3 FEE 15-Mar-97 0.737 7.283648 0.10119 0.06
4 15-Mar-98 0.737 8.631349 0.08539 0.05
5 15-Mar-99 0.737 8.333653 0.08844 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 191.81640 1918.1640
5.796
FORMULA: 1000*(1+T)= 1918.1640
= 1884.163964
T = 11.55%
R = 88.42%
Templeton International Securities
01-May-92
TO NO. YEARS 7.666
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-92 1000.00 3.804421 262.85209
1 FEE 01-May-93 0.737 3.882974 0.18980 0.07
2 FEE 01-May-94 0.737 4.962134 0.14852 0.06
3 FEE 01-May-95 0.737 5.075517 0.14521 0.06
4 01-May-96 0.737 6.068309 0.12145 0.05
5 01-May-97 0.737 7.092901 0.10391 0.05
6 01-May-98 0.737 9.045907 0.08147 0.04
7 01-May-99 0.737 8.947380 0.08237 0.03
8 31-Dec-99 0.737 10.000000 0.07370 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 261.90565 2619.0565
7.666
FORMULA: 1000*(1+T)= 2619.0565
= 2619.056512
T = 13.38%
R = 161.91%
Templeton Developing Markets
04-Mar-96
TO NO. YEARS 3.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-96 1000.00 13.180225 75.87124
1 FEE 04-Mar-97 0.737 13.427206 0.05489 0.07
2 FEE 04-Mar-98 0.737 8.843542 0.08334 0.06
3 FEE 04-Mar-99 0.737 6.244794 0.11802 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 75.54129 755.4129
3.825
FORMULA: 1000*(1+T)= 755.4129
= 712.9129438
T = -8.47%
R = -28.71%
Franklin Small Cap Fund
01-Nov-95
TO NO. YEARS 4.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-95 1000.00 3.534992 282.88607
1 FEE 01-Nov-96 0.737 4.315205 0.17079 0.07
2 FEE 01-Nov-97 0.737 5.513072 0.13368 0.06
3 FEE 01-Nov-98 0.737 4.430212 0.16636 0.06
4 01-Nov-99 0.737 7.047147 0.10458 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 282.23696 2822.3696
4.164
FORMULA: 1000*(1+T)= 2822.3696
= 2779.869588
T = 27.83%
R = 177.99%
Mutual Shares Securities Fund
08-Nov-96
TO NO. YEARS 3.143
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 08-Nov-96 1000.00 7.603082 131.52561
1 FEE 08-Nov-97 0.737 8.923106 0.08259 0.07
2 FEE 08-Nov-98 0.737 8.778253 0.08396 0.06
3 FEE 08-Nov-99 0.737 9.705048 0.07594 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.20942 1312.0942
3.143
FORMULA: 1000*(1+T)= 1312.0942
= 1269.594183
T = 7.89%
R = 26.96%
Oppenheimer Main Street Growth & Income
05-Jul-95
TO NO. YEARS 4.490
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-Jul-95 1000.00 3.834587 260.78428
1 FEE 05-Jul-96 0.737 5.486354 0.13433 0.07
2 FEE 05-Jul-97 0.737 7.185915 0.10256 0.06
3 FEE 05-Jul-98 0.737 9.130708 0.08072 0.06
4 05-Jul-99 0.737 9.580808 0.07692 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 260.31604 2603.1604
4.490
FORMULA: 1000*(1+T)= 2603.1604
= 2560.660411
T = 23.30%
R = 156.07%
Oppenheimer Capital Appreciation
03-Apr-85
TO NO. YEARS14.743
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Apr-85 1000.00 1.157512 863.92193
1 FEE 03-Apr-86 0.737 1.370398 0.53780 0.07
2 FEE 03-Apr-87 0.737 1.738521 0.42392 0.06
3 FEE 03-Apr-88 0.737 1.612798 0.45697 0.06
4 03-Apr-89 0.737 1.950667 0.37782 0.05
5 03-Apr-90 0.737 2.073637 0.35541 0.05
6 03-Apr-91 0.737 2.117758 0.34801 0.04
7 03-Apr-92 0.737 2.355127 0.31293 0.03
8 03-Apr-93 0.737 2.663617 0.27669 0
9 03-Apr-94 0.737 2.780244 0.26508 0
10 03-Apr-95 0.737 3.094456 0.23817 0
11 03-Apr-96 0.737 4.117775 0.17898 0
12 03-Apr-97 0.737 4.657498 0.15824 0
13 03-Apr-98 0.737 6.698879 0.11002 0
14 FEE 03-Apr-99 0.737 7.643351 0.09642 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 859.71175 8597.1175
14.743
FORMULA: 1000*(1+T)= 8597.1175
= 8597.117523
T = 15.71%
R = 759.71%
Oppenheimer Aggressive Growth
15-Aug-86
TO NO. YEARS13.377
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Aug-86 1000.00 1.186201 843.02745
1 FEE 15-Aug-87 0.737 1.528702 0.48211 0.07
2 FEE 15-Aug-88 0.737 1.376158 0.53555 0.06
3 FEE 15-Aug-89 0.737 1.848375 0.39873 0.06
4 15-Aug-90 0.737 1.657809 0.44456 0.05
5 15-Aug-91 0.737 1.916707 0.38451 0.05
6 15-Aug-92 0.737 2.083136 0.35379 0.04
7 15-Aug-93 0.737 2.816690 0.26165 0.03
8 15-Aug-94 0.737 2.813008 0.26200 0
9 15-Aug-95 0.737 3.514845 0.20968 0
10 15-Aug-96 0.737 4.294949 0.17160 0
11 15-Aug-97 0.737 4.928175 0.14955 0
12 15-Aug-98 0.737 5.009003 0.14714 0
13 15-Aug-99 0.737 6.615461 0.11141 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 839.04147 8390.4147
13.377
FORMULA: 1000*(1+T)= 8390.4147
= 8390.414706
T = 17.23%
R = 739.04%
Oppenheimer Strategic Bond
03-May-93
TO NO. YEARS 6.661
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-May-93 1000.00 7.461013 134.03006
1 FEE 03-May-94 0.737 7.327025 0.10059 0.07
2 FEE 03-May-95 0.737 7.601033 0.09696 0.06
3 FEE 03-May-96 0.737 8.377208 0.08798 0.06
4 03-May-97 0.737 9.178220 0.08030 0.05
5 03-May-98 0.737 10.007757 0.07364 0.05
6 03-May-99 0.737 10.045664 0.07336 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.44353 1334.4353
6.661
FORMULA: 1000*(1+T)= 1334.4353
= 1308.935268
T = 4.12%
R = 61.27%
Oppenheimer Global Securities
12-Nov-90
TO NO. YEARS 9.133
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Nov-90 1000.00 2.803318 356.72014
1 FEE 12-Nov-91 0.737 2.929845 0.25155 0.07
2 FEE 12-Nov-92 0.737 2.609631 0.28242 0.06
3 FEE 12-Nov-93 0.737 3.900840 0.18893 0.06
4 12-Nov-94 0.737 4.333223 0.17008 0.05
5 12-Nov-95 0.737 4.042147 0.18233 0.05
6 12-Nov-96 0.737 4.611900 0.15980 0.04
7 12-Nov-97 0.737 5.531587 0.13323 0.03
8 12-Nov-98 0.737 5.755527 0.12805 0
9 12-Nov-99 0.737 8.311654 0.08867 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 355.06138 3550.6138
9.133
FORMULA: 1000*(1+T)= 3550.6138
= 3550.61375
T = 14.88%
R = 255.06%
</TABLE>
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.328152 96.82274
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.74904 967.4904
1.000
FORMULA: 1000*(1+T)= 967.4904
= 907.9904234
T = -9.20% -3.25%
R = -9.20% -3.25%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.285638 137.25634
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 137.18264 1371.8264
1.000
FORMULA: 1000*(1+T)= 1371.8264
= 1312.326391
T = 31.23% 37.18%
R = 31.23% 37.18%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.352042 96.59930
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.52560 965.2560
1.000
FORMULA: 1000*(1+T)= 965.2560
= 905.7559895
T = -9.42% -3.47%
R = -9.42% -3.47%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.461155 118.18717
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.11347 1181.1347
1.000
FORMULA: 1000*(1+T)= 1181.1347
= 1121.634742
T = 12.16% 18.11%
R = 12.16% 18.11%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.758449 102.47530
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.40160 1024.0160
1.000
FORMULA: 1000*(1+T)= 1024.0160
= 964.5160114
T = -3.55% 2.40%
R = -3.55% 2.40%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.393290 135.25778
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 135.18408 1351.8408
1.000
FORMULA: 1000*(1+T)= 1351.8408
= 1292.34081
T = 29.23% 35.18%
R = 29.23% 35.18%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.386757 106.53307
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.45937 1064.5937
1.000
FORMULA: 1000*(1+T)= 1064.5937
= 1005.093657
T = 0.51% 6.46%
R = 0.51% 6.46%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.177740 122.28317
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.20947 1222.0947
1.000
FORMULA: 1000*(1+T)= 1222.0947
= 1162.594736
T = 16.26% 22.21%
R = 16.26% 22.21%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.749964 173.91413
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 173.84043 1738.4043
1.000
FORMULA: 1000*(1+T)= 1738.4043
= 1678.904323
T = 67.89% 73.84%
R = 67.89% 73.84%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.523686 105.00136
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.92766 1049.2766
1.000
FORMULA: 1000*(1+T)= 1049.2766
= 989.7766186
T = -1.02% 4.93%
R = -1.02% 4.93%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.859443 170.66469
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 170.59099 1705.9099
1.000
FORMULA: 1000*(1+T)= 1705.9099
= 1646.40986
T = 64.64% 70.59%
R = 64.64% 70.59%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.603049 116.23786
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 116.16416 1161.6416
1.000
FORMULA: 1000*(1+T)= 1161.6416
= 1102.141594
T = 10.21% 16.16%
R = 10.21% 16.16%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.699945 103.09337
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 103.01967 1030.1967
1.000
FORMULA: 1000*(1+T)= 1030.1967
= 970.6966805
T = -2.93% 3.02%
R = -2.93% 3.02%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.811456 128.01711
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.94341 1279.4341
1.000
FORMULA: 1000*(1+T)= 1279.4341
= 1219.934072
T = 21.99% 27.94%
R = 21.99% 27.94%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.556378 104.64216
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.56846 1045.6846
1.000
FORMULA: 1000*(1+T)= 1045.6846
= 986.1845626
T = -1.38% 4.57%
R = -1.38% 4.57%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.425217 118.69130
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.61760 1186.1760
1.000
FORMULA: 1000*(1+T)= 1186.1760
= 1126.676049
T = 12.67% 18.62%
R = 12.67% 18.62%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.356912 96.55388
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.48018 964.8018
1.000
FORMULA: 1000*(1+T)= 964.8018
= 905.3017628
T = -9.47% -3.52%
R = -9.47% -3.52%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.569769 132.10443
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.03073 1320.3073
1.000
FORMULA: 1000*(1+T)= 1320.3073
= 1260.807275
T = 26.08% 32.03%
R = 26.08% 32.03%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.299161 97.09529
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.02159 970.2159
1.000
FORMULA: 1000*(1+T)= 970.2159
= 910.7158766
T = -8.93% -2.98%
R = -8.93% -2.98%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.513183 133.09938
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 133.02568 1330.2568
1.000
FORMULA: 1000*(1+T)= 1330.2568
= 1270.756801
T = 27.08% 33.03%
R = 27.08% 33.03%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.553476 152.59078
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.51708 1525.1708
1.000
FORMULA: 1000*(1+T)= 1525.1708
= 1465.670778
T = 46.57% 52.52%
R = 46.57% 52.52%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.821362 127.85497
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.78127 1277.8127
1.000
FORMULA: 1000*(1+T)= 1277.8127
= 1218.312695
T = 21.83% 27.78%
R = 21.83% 27.78%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.512758 117.47074
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.39704 1173.9704
1.000
FORMULA: 1000*(1+T)= 1173.9704
= 1114.470421
T = 11.45% 17.40%
R = 11.45% 17.40%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.174617 122.32989
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.25619 1222.5619
1.000
FORMULA: 1000*(1+T)= 1222.5619
= 1163.061902
T = 16.31% 22.26%
R = 16.31% 22.26%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.644881 115.67539
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.60169 1156.0169
1.000
FORMULA: 1000*(1+T)= 1156.0169
= 1096.516922
T = 9.65% 15.60%
R = 9.65% 15.60%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.992446 125.11814
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 125.04444 1250.4444
1.000
FORMULA: 1000*(1+T)= 1250.4444
= 1190.944428
T = 19.09% 25.04%
R = 19.09% 25.04%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.706507 129.76047
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 129.68677 1296.8677
1.000
FORMULA: 1000*(1+T)= 1296.8677
= 1237.367738
T = 23.74% 29.69%
R = 23.74% 29.69%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.265289 97.41567
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.34197 973.4197
1.000
FORMULA: 1000*(1+T)= 973.4197
= 913.9196944
T = -8.61% -2.66%
R = -8.61% -2.66%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.191258 122.08137
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.00767 1220.0767
1.000
FORMULA: 1000*(1+T)= 1220.0767
= 1160.576702
T = 16.06% 22.01%
R = 16.06% 22.01%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.394835 119.12086
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.04716 1190.4716
1.000
FORMULA: 1000*(1+T)= 1190.4716
= 1130.971642
T = 13.10% 19.05%
R = 13.10% 19.05%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.245497 121.27832
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.20462 1212.0462
1.000
FORMULA: 1000*(1+T)= 1212.0462
= 1152.546171
T = 15.25% 21.20%
R = 15.25% 21.20%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.629503 150.84087
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 150.76717 1507.6717
1.000
FORMULA: 1000*(1+T)= 1507.6717
= 1448.1717
T = 44.82% 50.77%
R = 44.82% 50.77%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.159423 193.82012
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 193.74642 1937.4642
1.000
FORMULA: 1000*(1+T)= 1937.4642
= 1877.964229
T = 87.80% 93.75%
R = 87.80% 93.75%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.960165 111.60509
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.53139 1115.3139
1.000
FORMULA: 1000*(1+T)= 1115.3139
= 1055.813876
T = 5.58% 11.53%
R = 5.58% 11.53%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.348809 119.77756
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.70386 1197.0386
1.000
FORMULA: 1000*(1+T)= 1197.0386
= 1137.538635
T = 13.75% 19.70%
R = 13.75% 19.70%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.173081 139.41011
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 139.33641 1393.3641
1.000
FORMULA: 1000*(1+T)= 1393.3641
= 1333.864084
T = 33.39% 39.34%
R = 33.39% 39.34%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.534128 180.69694
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 180.62324 1806.2324
1.000
FORMULA: 1000*(1+T)= 1806.2324
= 1746.732409
T = 74.67% 80.62%
R = 74.67% 80.62%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.052223 124.18931
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 124.11561 1241.1561
1.000
FORMULA: 1000*(1+T)= 1241.1561
= 1181.656077
T = 18.17% 24.12%
R = 18.17% 24.12%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.411377 155.97273
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 155.89903 1558.9903
1.000
FORMULA: 1000*(1+T)= 1558.9903
= 1499.490341
T = 49.95% 55.90%
R = 49.95% 55.90%
Morgan Stanley Fixed Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.192321 98.11308
1 FEE 10-Nov-99 0.737 10.148873 0.07262 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 97.96676 979.6676
1.139
FORMULA: 1000*(1+T)= 979.6676
= 928.6676053
T = -6.29%
R = -7.13%
Morgan Stanley Equity Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 6.644253 150.50601
1 FEE 10-Nov-99 0.737 8.952367 0.08232 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 150.34998 1503.4998
1.139
FORMULA: 1000*(1+T)= 1503.4998
= 1452.499841
T = 38.78%
R = 45.25%
Morgan Stanley Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.357866 96.54498
1 FEE 10-Nov-99 0.737 9.962235 0.07398 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 96.39730 963.9730
1.139
FORMULA: 1000*(1+T)= 963.9730
= 912.9730391
T = -7.68%
R = -8.70%
Morgan Stanley Mid Cap Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.641092 130.87135
1 FEE 10-Nov-99 0.737 9.288640 0.07934 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.71830 1307.1830
1.139
FORMULA: 1000*(1+T)= 1307.1830
= 1256.183024
T = 22.17%
R = 25.62%
Morgan Stanley U.S. Real Estate
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.852999 0.07480 0.07
2 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 99.85050 985.1569
1.142
FORMULA: 1000*(1+T)= 985.1569
= 934.1569036
T = -5.79%
R = -6.58%
Morgan Stanley Global Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 9.299063 107.53772
1 FEE 10-Nov-99 0.737 9.703759 0.07595 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.38807 1073.8807
1.139
FORMULA: 1000*(1+T)= 1073.8807
= 1022.880665
T = 2.01%
R = 2.29%
Morgan Stanley International Magnum
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.638695 0.06332 0.07
2 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 99.87907 1277.8823
1.142
FORMULA: 1000*(1+T)= 1277.8823
= 1226.882324
T = 19.61%
R = 22.69%
Fidelity Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.044291 198.24392
1 FEE 17-Jun-98 0.737 6.102770 0.12076 0.07
2 FEE 17-Jun-99 0.737 8.193432 0.08995 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 197.95950 1979.5950
2.538
FORMULA: 1000*(1+T)= 1979.5950
= 1928.595008
T = 29.54%
R = 92.86%
Fidelity High Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.256386 108.03352
1 FEE 17-Jun-98 0.737 10.305814 0.07151 0.07
2 FEE 17-Jun-99 0.737 9.953054 0.07405 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.81426 1078.1426
2.538
FORMULA: 1000*(1+T)= 1078.1426
= 1027.142634
T = 1.06%
R = 2.71%
Fidelity Contrafund
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.778258 173.06254
1 FEE 17-Jun-98 0.737 7.107798 0.10369 0.07
2 FEE 17-Jun-99 0.737 8.861757 0.08317 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 172.80198 1728.0198
2.538
FORMULA: 1000*(1+T)= 1728.0198
= 1677.019836
T = 22.59%
R = 67.70%
Fidelity Equity Income
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 8.499165 117.65862
1 FEE 26-Jan-99 0.737 9.421556 0.07822 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 117.50669 1175.0669
1.927
FORMULA: 1000*(1+T)= 1175.0669
= 1124.066922
T = 6.26%
R = 12.41%
MFS Emerging Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 3.962673 252.35491
1 FEE 17-Jun-98 0.737 5.032590 0.14645 0.07
2 FEE 17-Jun-99 0.737 6.282089 0.11732 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 252.01745 2520.1745
2.538
FORMULA: 1000*(1+T)= 2520.1745
= 2469.174498
T = 42.78%
R = 146.92%
MFS Growth and Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.804525 113.57796
1 FEE 10-Nov-99 0.737 9.514452 0.07746 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 113.42680 1134.2680
1.139
FORMULA: 1000*(1+T)= 1134.2680
= 1083.268002
T = 7.27%
R = 8.33%
MFS New Discovery
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 5.148731 194.22262
1 FEE 09-Nov-99 0.737 7.666247 0.09614 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 194.05278 1940.5278
1.142
FORMULA: 1000*(1+T)= 1940.5278
= 1889.527795
T = 74.61%
R = 88.95%
Dreyfus Growth & Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 7.397593 135.17910
1 FEE 17-Jun-98 0.737 8.199992 0.08988 0.07
2 FEE 17-Jun-99 0.737 9.320927 0.07907 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.93646 1349.3646
2.538
FORMULA: 1000*(1+T)= 1349.3646
= 1298.364573
T = 10.84%
R = 29.84%
Dreyfus Money Market
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.234693 108.28730
1 FEE 17-Jun-98 0.737 9.546920 0.07720 0.07
2 FEE 17-Jun-99 0.737 9.830206 0.07497 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 108.06143 1080.6143
2.538
FORMULA: 1000*(1+T)= 1080.6143
= 1029.614324
T = 1.16%
R = 2.96%
Dreyfus Socially Responsible
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.902273 169.42625
1 FEE 17-Jun-98 0.737 7.275757 0.10130 0.07
2 FEE 17-Jun-99 0.737 8.455310 0.08716 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 169.16409 1691.6409
2.538
FORMULA: 1000*(1+T)= 1691.6409
= 1640.640938
T = 21.54%
R = 64.06%
Dreyfus Small Company
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 10.326683 96.83652
1 FEE 17-Jun-98 0.737 11.413717 0.06457 0.07
2 FEE 17-Jun-99 0.737 10.636515 0.06929 0.06
3 FEE 31-Dec-99 0.737 11.602306 0.06352 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 96.63913 1121.2368
2.538
FORMULA: 1000*(1+T)= 1121.2368
= 1070.23679
T = 2.71%
R = 7.02%
Dreyfus Stock Index
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 6.581554 151.93980
1 FEE 26-Jan-99 0.737 8.576092 0.08594 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 151.78016 1517.8016
1.927
FORMULA: 1000*(1+T)= 1517.8016
= 1466.801636
T = 21.99%
R = 46.68%
American Century Balanced
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 8.768032 114.05068
1 FEE 17-Jun-98 0.737 10.229981 0.07204 0.07
2 FEE 17-Jun-99 0.737 10.704156 0.06885 0.06
3 FEE 31-Dec-99 0.737 11.482353 0.06419 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 113.84560 1307.2153
2.538
FORMULA: 1000*(1+T)= 1307.2153
= 1256.215347
T = 9.40%
R = 25.62%
American Century International
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.369845 106.72535
1 FEE 17-Jun-98 0.737 11.515565 0.06400 0.07
2 FEE 17-Jun-99 0.737 11.677073 0.06312 0.06
3 FEE 31-Dec-99 0.737 17.713705 0.04161 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 106.55663 1887.5127
2.538
FORMULA: 1000*(1+T)= 1887.5127
= 1836.512704
T = 27.06%
R = 83.65%
AIM Capital Appreciation
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.239282 108.23352
1 FEE 26-Jan-99 0.737 11.372758 0.06480 0.07
2 FEE 31-Dec-99 0.737 16.212275 0.04546 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 108.12326 1752.9239
1.927
FORMULA: 1000*(1+T)= 1752.9239
= 1701.923947
T = 31.77%
R = 70.19%
AIM Diversified Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 10.246445 97.59482
1 FEE 28-Jan-99 0.737 10.463346 0.07044 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 97.45069 974.5069
1.922
FORMULA: 1000*(1+T)= 974.5069
= 923.5068798
T = -4.06%
R = -7.65%
AIM Growth and Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 6.011491 166.34808
1 FEE 28-Jan-99 0.737 7.862607 0.09373 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 166.18065 1661.8065
1.922
FORMULA: 1000*(1+T)= 1661.8065
= 1610.806475
T = 28.15%
R = 61.08%
AIM Government Securities
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 9.753494 102.52736
1 FEE 28-Jan-99 0.737 10.340155 0.07128 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 102.38239 1023.8239
1.922
FORMULA: 1000*(1+T)= 1023.8239
= 972.8238543
T = -1.42%
R = -2.72%
AIM Growth
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.713546 175.02266
1 FEE 28-Jan-99 0.737 7.877409 0.09356 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 174.85540 1748.5540
1.922
FORMULA: 1000*(1+T)= 1748.5540
= 1697.55398
T = 31.70%
R = 69.76%
AIM International Equity
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.794309 172.58313
1 FEE 28-Jan-99 0.737 6.602231 0.11163 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 172.39780 1723.9780
1.922
FORMULA: 1000*(1+T)= 1723.9780
= 1672.978039
T = 30.70%
R = 67.30%
AIM Global Utilities
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.391125 106.48352
1 FEE 26-Jan-99 0.737 10.828250 0.06806 0.07
2 FEE 31-Dec-99 0.737 14.096367 0.05228 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 106.36317 1499.3343
1.927
FORMULA: 1000*(1+T)= 1499.3343
= 1448.33427
T = 21.19%
R = 44.83%
AIM Value
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.999658 166.67617
1 FEE 28-Jan-99 0.737 8.196307 0.08992 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 166.51255 1665.1255
1.922
FORMULA: 1000*(1+T)= 1665.1255
= 1614.125487
T = 28.29%
R = 61.41%
AIM Balanced
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.922630 126.22071
1 FEE 10-Nov-99 0.737 9.260153 0.07959 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 126.06742 1260.6742
1.139
FORMULA: 1000*(1+T)= 1260.6742
= 1209.674237
T = 18.19%
R = 20.97%
AIM High Yield
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.781632 0.06836 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 99.86594 1120.1941
1.142
FORMULA: 1000*(1+T)= 1120.1941
= 1069.194141
T = 6.04%
R = 6.92%
Goldman Sachs Growth and Income
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.952878 0.07405 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 99.85514 1039.2860
1.142
FORMULA: 1000*(1+T)= 1039.2860
= 988.2860033
T = -1.03%
R = -1.17%
Goldman Sachs CORE U.S. Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.561549 132.24804
1 FEE 10-Nov-99 0.737 9.305641 0.07920 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 132.09514 1320.9514
1.139
FORMULA: 1000*(1+T)= 1320.9514
= 1269.951361
T = 23.35%
R = 27.00%
Goldman Sachs CORE Large Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 13.163346 0.05599 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 99.89512 1505.9218
1.142
FORMULA: 1000*(1+T)= 1505.9218
= 1454.921767
T = 38.88%
R = 45.49%
Goldman Sachs CORE Small Cap Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.194570 122.03203
1 FEE 10-Nov-99 0.737 8.998379 0.08190 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.87642 1218.7642
1.139
FORMULA: 1000*(1+T)= 1218.7642
= 1167.764249
T = 14.59%
R = 16.78%
Goldman Sachs Capital Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.330381 136.41856
1 FEE 10-Nov-99 0.737 9.130985 0.08071 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.26414 1362.6414
1.139
FORMULA: 1000*(1+T)= 1362.6414
= 1311.64143
T = 26.89%
R = 31.16%
Goldman Sachs Mid Cap Equity
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.707233 0.07592 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 99.84896 979.5996
1.142
FORMULA: 1000*(1+T)= 979.5996
= 928.5996357
T = -6.28%
R = -7.14%
Goldman Sachs International Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.217863 138.54516
1 FEE 10-Nov-99 0.737 8.833064 0.08344 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 138.38803 1383.8803
1.139
FORMULA: 1000*(1+T)= 1383.8803
= 1332.880257
T = 28.70%
R = 33.29%
Goldman Sachs Global Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.587362 94.45223
1 FEE 10-Nov-99 0.737 10.066046 0.07322 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 94.30532 943.0532
1.139
FORMULA: 1000*(1+T)= 943.0532
= 892.0531821
T = -9.54%
R = -10.79%
Neuberger & Berman AMT Guardian
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.647547 0.06328 0.07
2 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 99.87643 1220.7569
1.142
FORMULA: 1000*(1+T)= 1220.7569
= 1169.756909
T = 14.72%
R = 16.98%
Neuberger & Berman AMT Mid-Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 14.116259 0.05221 0.07
2 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 99.90765 1834.4289
1.142
FORMULA: 1000*(1+T)= 1834.4289
= 1783.428872
T = 65.99%
R = 78.34%
Neuberger & Berman AMT Partners
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.530193 0.06999 0.07
2 FEE 31-Dec-99 0.737 10.888889 0.06768 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 99.86233 1087.3898
1.142
FORMULA: 1000*(1+T)= 1087.3898
= 1036.389795
T = 3.18%
R = 3.64%
STI Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 99.93043 1058.5883
0.164
FORMULA: 1000*(1+T)= 1058.5883
= 999.0882999
T = -0.55%
R = -0.09%
STI Value Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 99.92206 944.8601
0.164
FORMULA: 1000*(1+T)= 944.8601
= 885.3600999
T = -52.35%
R = -11.46%
Federated Prime Money Fund II
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 99.92672 1004.9729
0.164
FORMULA: 1000*(1+T)= 1004.9729
= 945.4728999
T = -28.92%
R = -5.45%
MFS Research Series
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.677421 115.24161
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 115.16791 1151.6791
0.164
FORMULA: 1000*(1+T)= 1151.6791
= 1092.179138
T = 71.05%
R = 9.22%
Templeton Growth Securities
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Templeton International Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.884565 112.55475
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.48105 1124.8105
0.164
FORMULA: 1000*(1+T)= 1124.8105
= 1065.310508
T = 46.98%
R = 6.53%
Templeton Developing Markets
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.225668 121.57067
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.49697 1214.9697
0.164
FORMULA: 1000*(1+T)= 1214.9697
= 1155.469736
T = 141.01%
R = 15.55%
Franklin Small Cap Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Mutual Shares Securities Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Oppenheimer Main Street Growth & Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.281364 107.74278
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.66908 1076.6908
0.164
FORMULA: 1000*(1+T)= 1076.6908
= 1017.190844
T = 10.93%
R = 1.72%
Oppenheimer Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.257985 121.09492
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.02122 1210.2122
0.164
FORMULA: 1000*(1+T)= 1210.2122
= 1150.71216
T = 135.04%
R = 15.07%
Oppenheimer Aggressive Growth
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.287865 137.21440
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.14070 1371.4070
0.164
FORMULA: 1000*(1+T)= 1371.4070
= 1311.906968
T = 422.08%
R = 31.19%
Oppenheimer Strategic Bond
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.844768 101.57680
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 101.50310 1015.0310
0.164
FORMULA: 1000*(1+T)= 1015.0310
= 955.5309693
T = -24.19%
R = -4.45%
Oppenheimer Global Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.631416 131.03728
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.96358 1309.6358
0.164
FORMULA: 1000*(1+T)= 1309.6358
= 1250.135806
T = 289.25%
R = 25.01%
</TABLE>
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.328152 96.82274
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.74904 967.4904
1.000
FORMULA: 1000*(1+T)= 967.4904
= 907.9904234
T = -9.20% -3.25%
R = -9.20% -3.25%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.285638 137.25634
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 137.18264 1371.8264
1.000
FORMULA: 1000*(1+T)= 1371.8264
= 1312.326391
T = 31.23% 37.18%
R = 31.23% 37.18%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.352042 96.59930
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.52560 965.2560
1.000
FORMULA: 1000*(1+T)= 965.2560
= 905.7559895
T = -9.42% -3.47%
R = -9.42% -3.47%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.461155 118.18717
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.11347 1181.1347
1.000
FORMULA: 1000*(1+T)= 1181.1347
= 1121.634742
T = 12.16% 18.11%
R = 12.16% 18.11%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.758449 102.47530
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.40160 1024.0160
1.000
FORMULA: 1000*(1+T)= 1024.0160
= 964.5160114
T = -3.55% 2.40%
R = -3.55% 2.40%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.393290 135.25778
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 135.18408 1351.8408
1.000
FORMULA: 1000*(1+T)= 1351.8408
= 1292.34081
T = 29.23% 35.18%
R = 29.23% 35.18%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.386757 106.53307
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.45937 1064.5937
1.000
FORMULA: 1000*(1+T)= 1064.5937
= 1005.093657
T = 0.51% 6.46%
R = 0.51% 6.46%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.177740 122.28317
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.20947 1222.0947
1.000
FORMULA: 1000*(1+T)= 1222.0947
= 1162.594736
T = 16.26% 22.21%
R = 16.26% 22.21%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.749964 173.91413
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 173.84043 1738.4043
1.000
FORMULA: 1000*(1+T)= 1738.4043
= 1678.904323
T = 67.89% 73.84%
R = 67.89% 73.84%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.523686 105.00136
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.92766 1049.2766
1.000
FORMULA: 1000*(1+T)= 1049.2766
= 989.7766186
T = -1.02% 4.93%
R = -1.02% 4.93%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.859443 170.66469
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 170.59099 1705.9099
1.000
FORMULA: 1000*(1+T)= 1705.9099
= 1646.40986
T = 64.64% 70.59%
R = 64.64% 70.59%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.603049 116.23786
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 116.16416 1161.6416
1.000
FORMULA: 1000*(1+T)= 1161.6416
= 1102.141594
T = 10.21% 16.16%
R = 10.21% 16.16%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.699945 103.09337
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 103.01967 1030.1967
1.000
FORMULA: 1000*(1+T)= 1030.1967
= 970.6966805
T = -2.93% 3.02%
R = -2.93% 3.02%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.811456 128.01711
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.94341 1279.4341
1.000
FORMULA: 1000*(1+T)= 1279.4341
= 1219.934072
T = 21.99% 27.94%
R = 21.99% 27.94%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.556378 104.64216
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.56846 1045.6846
1.000
FORMULA: 1000*(1+T)= 1045.6846
= 986.1845626
T = -1.38% 4.57%
R = -1.38% 4.57%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.425217 118.69130
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.61760 1186.1760
1.000
FORMULA: 1000*(1+T)= 1186.1760
= 1126.676049
T = 12.67% 18.62%
R = 12.67% 18.62%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.356912 96.55388
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.48018 964.8018
1.000
FORMULA: 1000*(1+T)= 964.8018
= 905.3017628
T = -9.47% -3.52%
R = -9.47% -3.52%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.569769 132.10443
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.03073 1320.3073
1.000
FORMULA: 1000*(1+T)= 1320.3073
= 1260.807275
T = 26.08% 32.03%
R = 26.08% 32.03%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.299161 97.09529
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.02159 970.2159
1.000
FORMULA: 1000*(1+T)= 970.2159
= 910.7158766
T = -8.93% -2.98%
R = -8.93% -2.98%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.513183 133.09938
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 133.02568 1330.2568
1.000
FORMULA: 1000*(1+T)= 1330.2568
= 1270.756801
T = 27.08% 33.03%
R = 27.08% 33.03%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.553476 152.59078
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.51708 1525.1708
1.000
FORMULA: 1000*(1+T)= 1525.1708
= 1465.670778
T = 46.57% 52.52%
R = 46.57% 52.52%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.821362 127.85497
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.78127 1277.8127
1.000
FORMULA: 1000*(1+T)= 1277.8127
= 1218.312695
T = 21.83% 27.78%
R = 21.83% 27.78%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.512758 117.47074
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.39704 1173.9704
1.000
FORMULA: 1000*(1+T)= 1173.9704
= 1114.470421
T = 11.45% 17.40%
R = 11.45% 17.40%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.174617 122.32989
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.25619 1222.5619
1.000
FORMULA: 1000*(1+T)= 1222.5619
= 1163.061902
T = 16.31% 22.26%
R = 16.31% 22.26%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.644881 115.67539
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.60169 1156.0169
1.000
FORMULA: 1000*(1+T)= 1156.0169
= 1096.516922
T = 9.65% 15.60%
R = 9.65% 15.60%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.992446 125.11814
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 125.04444 1250.4444
1.000
FORMULA: 1000*(1+T)= 1250.4444
= 1190.944428
T = 19.09% 25.04%
R = 19.09% 25.04%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.706507 129.76047
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 129.68677 1296.8677
1.000
FORMULA: 1000*(1+T)= 1296.8677
= 1237.367738
T = 23.74% 29.69%
R = 23.74% 29.69%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.265289 97.41567
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.34197 973.4197
1.000
FORMULA: 1000*(1+T)= 973.4197
= 913.9196944
T = -8.61% -2.66%
R = -8.61% -2.66%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.191258 122.08137
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 122.00767 1220.0767
1.000
FORMULA: 1000*(1+T)= 1220.0767
= 1160.576702
T = 16.06% 22.01%
R = 16.06% 22.01%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.394835 119.12086
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.04716 1190.4716
1.000
FORMULA: 1000*(1+T)= 1190.4716
= 1130.971642
T = 13.10% 19.05%
R = 13.10% 19.05%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.245497 121.27832
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.20462 1212.0462
1.000
FORMULA: 1000*(1+T)= 1212.0462
= 1152.546171
T = 15.25% 21.20%
R = 15.25% 21.20%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.629503 150.84087
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 150.76717 1507.6717
1.000
FORMULA: 1000*(1+T)= 1507.6717
= 1448.1717
T = 44.82% 50.77%
R = 44.82% 50.77%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.159423 193.82012
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 193.74642 1937.4642
1.000
FORMULA: 1000*(1+T)= 1937.4642
= 1877.964229
T = 87.80% 93.75%
R = 87.80% 93.75%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.960165 111.60509
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.53139 1115.3139
1.000
FORMULA: 1000*(1+T)= 1115.3139
= 1055.813876
T = 5.58% 11.53%
R = 5.58% 11.53%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.348809 119.77756
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.70386 1197.0386
1.000
FORMULA: 1000*(1+T)= 1197.0386
= 1137.538635
T = 13.75% 19.70%
R = 13.75% 19.70%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.173081 139.41011
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 139.33641 1393.3641
1.000
FORMULA: 1000*(1+T)= 1393.3641
= 1333.864084
T = 33.39% 39.34%
R = 33.39% 39.34%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.534128 180.69694
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 180.62324 1806.2324
1.000
FORMULA: 1000*(1+T)= 1806.2324
= 1746.732409
T = 74.67% 80.62%
R = 74.67% 80.62%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.881990 101.19419
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 101.12049 1011.2049
1.000
FORMULA: 1000*(1+T)= 1011.2049
= 951.7049266
T = -4.83% 1.12%
R = -4.83% 1.12%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.411377 155.97273
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 155.89903 1558.9903
1.000
FORMULA: 1000*(1+T)= 1558.9903
= 1499.490341
T = 49.95% 55.90%
R = 49.95% 55.90%
Morgan Stanley Fixed Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.734433 0.07571
4 FEE 31-Dec-98 0.737 10.328152 0.07136
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Equity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 6.207439 0.11873
4 FEE 31-Dec-98 0.737 7.285638 0.10116
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 10.747757 0.06857
4 FEE 31-Dec-98 0.737 10.352042 0.07119
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Mid Cap Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 7.422397 0.09929
4 FEE 31-Dec-98 0.737 8.461155 0.08710
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley U.S. Real Estate
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 11.596911 0.06355
4 FEE 31-Dec-98 0.737 10.174200 0.07244
5 FEE 31-Dec-99 0.737 9.866319 0.07470 0.05
RESULTING VALUE 31-Dec-99 9.866319 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Global Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.743649 0.08429
4 FEE 31-Dec-98 0.737 9.758449 0.07552
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley International Magnum
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.681648 0.07612
4 FEE 31-Dec-98 0.737 10.383339 0.07098
5 FEE 31-Dec-99 0.737 12.794295 0.05760 0.05
RESULTING VALUE 31-Dec-99 12.794295 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Fidelity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.951243 338.84028
1 FEE 29-Dec-95 0.737 3.931751 0.18745
2 FEE 31-Dec-96 0.737 4.431808 0.16630
3 FEE 31-Dec-97 0.737 5.385630 0.13685
4 FEE 31-Dec-98 0.737 7.393290 0.09968
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 338.17630 3381.7630
5.000
FORMULA: 1000*(1+T)= 3381.7630
= 3339.263017
T = 27.27% 27.59%
R = 233.93% 238.18%
Fidelity High Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.457901 154.84908
1 FEE 29-Dec-95 0.737 7.672376 0.09606
2 FEE 31-Dec-96 0.737 8.609451 0.08560
3 FEE 31-Dec-97 0.737 9.969712 0.07392
4 FEE 31-Dec-98 0.737 9.386757 0.07851
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 154.44127 1544.4127
5.000
FORMULA: 1000*(1+T)= 1544.4127
= 1501.912743
T = 8.47% 9.08%
R = 50.19% 54.44%
Fidelity Contrafund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.386176 0.16803
2 FEE 31-Dec-96 0.737 5.232118 0.14086
3 FEE 31-Dec-97 0.737 6.392195 0.11530
4 FEE 31-Dec-98 0.737 8.177740 0.09012
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Emerging Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.152260 0.23380
2 FEE 31-Dec-96 0.737 3.630049 0.20303
3 FEE 31-Dec-97 0.737 4.354948 0.16923
4 FEE 31-Dec-98 0.737 5.749964 0.12817
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 5.057296 0.14573
2 FEE 31-Dec-96 0.737 6.193700 0.11899
3 FEE 31-Dec-97 0.737 7.910924 0.09316
4 FEE 31-Dec-98 0.737 9.523686 0.07739
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS New Discovery
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 5.859443 0.12578
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Dreyfus Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.562927 280.66811
1 FEE 29-Dec-95 0.737 5.456292 0.13507
2 FEE 31-Dec-96 0.737 6.744104 0.10928
3 FEE 31-Dec-97 0.737 7.836754 0.09404
4 FEE 31-Dec-98 0.737 8.603049 0.08567
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 280.17035 2801.7035
5.000
FORMULA: 1000*(1+T)= 2801.7035
= 2759.203482
T = 22.51% 22.88%
R = 175.92% 180.17%
Dreyfus Money Market
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.471233 118.04657
1 FEE 29-Dec-95 0.737 8.784757 0.08390
2 FEE 31-Dec-96 0.737 9.112229 0.08088
3 FEE 31-Dec-97 0.737 9.409819 0.07832
4 FEE 31-Dec-98 0.737 9.699945 0.07598
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 117.65379 1176.5379
5.000
FORMULA: 1000*(1+T)= 1176.5379
= 1134.037922
T = 2.55% 3.30%
R = 13.40% 17.65%
Dreyfus Socially Responsible
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.195821 312.90864
1 FEE 29-Dec-95 0.737 4.238850 0.17387
2 FEE 31-Dec-96 0.737 5.054251 0.14582
3 FEE 31-Dec-97 0.737 6.376929 0.11557
4 FEE 31-Dec-98 0.737 7.811456 0.09435
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 312.30533 3123.0533
5.000
FORMULA: 1000*(1+T)= 3123.0533
= 3080.553318
T = 25.24% 25.58%
R = 208.06% 212.31%
Dreyfus Small Company
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 9.608498 0.07670
3 FEE 31-Dec-97 0.737 11.516495 0.06400
4 FEE 31-Dec-98 0.737 10.658101 0.06915
5 FEE 31-Dec-99 0.737 11.602306 0.06352 0.05
RESULTING VALUE 31-Dec-99 11.602306 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
American Century Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.192417 161.48783
1 FEE 29-Dec-95 0.737 7.382332 0.09983
2 FEE 31-Dec-96 0.737 8.161701 0.09030
3 FEE 31-Dec-97 0.737 9.302794 0.07922
4 FEE 31-Dec-98 0.737 10.600203 0.06953
5 FEE 31-Dec-99 0.737 11.482353 0.06419 0.05
RESULTING VALUE 31-Dec-99 11.482353 161.08476 1849.6321
5.000
FORMULA: 1000*(1+T)= 1849.6321
= 1807.132122
T = 12.56% 13.09%
R = 80.71% 84.96%
American Century International
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.464081 154.70103
1 FEE 29-Dec-95 0.737 7.139290 0.10323
2 FEE 31-Dec-96 0.737 8.038282 0.09169
3 FEE 31-Dec-97 0.737 9.385834 0.07852
4 FEE 31-Dec-98 0.737 10.970876 0.06718
5 FEE 31-Dec-99 0.737 17.713705 0.04161 0.05
RESULTING VALUE 31-Dec-99 17.713705 154.31881 2733.5578
5.000
FORMULA: 1000*(1+T)= 2733.5578
= 2691.057828
T = 21.89% 22.28%
R = 169.11% 173.36%
Fidelity Equity Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.587658 217.97614
1 FEE 29-Dec-95 0.737 6.135125 0.12013
2 FEE 31-Dec-96 0.737 6.899573 0.10682
3 FEE 31-Dec-97 0.737 8.698725 0.08473
4 FEE 31-Dec-98 0.737 9.556378 0.07712
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 217.51365 2175.1365
5.000
FORMULA: 1000*(1+T)= 2175.1365
= 2132.636513
T = 16.35% 16.81%
R = 113.26% 117.51%
Dreyfus Stock Index
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.140831 318.38708
1 FEE 29-Dec-95 0.737 4.229810 0.17424
2 FEE 31-Dec-96 0.737 5.101578 0.14447
3 FEE 31-Dec-97 0.737 6.677331 0.11037
4 FEE 31-Dec-98 0.737 8.425217 0.08748
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 317.79682 3177.9682
5.000
FORMULA: 1000*(1+T)= 3177.9682
= 3135.46823
T = 25.68% 26.02%
R = 213.55% 217.80%
AIM Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.618493 177.98367
1 FEE 29-Dec-95 0.737 7.503668 0.09822
2 FEE 31-Dec-96 0.737 8.683006 0.08488
3 FEE 31-Dec-97 0.737 9.700204 0.07598
4 FEE 31-Dec-98 0.737 11.390160 0.06470
5 FEE 31-Dec-99 0.737 16.212275 0.04546 0.05
RESULTING VALUE 31-Dec-99 16.212275 177.61443 2879.5340
5.000
FORMULA: 1000*(1+T)= 2879.5340
= 2837.033984
T = 23.19% 23.56%
R = 183.70% 187.95%
AIM Diversified Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.432314 134.54760
1 FEE 29-Dec-95 0.737 8.706864 0.08465
2 FEE 31-Dec-96 0.737 9.437120 0.07810
3 FEE 31-Dec-97 0.737 10.159370 0.07254
4 FEE 31-Dec-98 0.737 10.356912 0.07116
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 134.16745 1341.6745
5.000
FORMULA: 1000*(1+T)= 1341.6745
= 1299.174527
T = 5.37% 6.05%
R = 29.92% 34.17%
AIM Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.130528 319.43493
1 FEE 29-Dec-95 0.737 4.124957 0.17867
2 FEE 31-Dec-96 0.737 4.869642 0.15135
3 FEE 31-Dec-97 0.737 6.022550 0.12237
4 FEE 31-Dec-98 0.737 7.569769 0.09736
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 318.81148 3188.1148
5.000
FORMULA: 1000*(1+T)= 3188.1148
= 3145.614836
T = 25.76% 26.10%
R = 214.56% 218.81%
AIM Government Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.973276 125.41896
1 FEE 29-Dec-95 0.737 9.068667 0.08127
2 FEE 31-Dec-96 0.737 9.127233 0.08075
3 FEE 31-Dec-97 0.737 9.716240 0.07585
4 FEE 31-Dec-98 0.737 10.299161 0.07156
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 125.03583 1250.3583
5.000
FORMULA: 1000*(1+T)= 1250.3583
= 1207.858342
T = 3.85% 4.57%
R = 20.79% 25.04%
AIM Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.957794 338.08981
1 FEE 29-Dec-95 0.737 3.922191 0.18791
2 FEE 31-Dec-96 0.737 4.560414 0.16161
3 FEE 31-Dec-97 0.737 5.691726 0.12949
4 FEE 31-Dec-98 0.737 7.513183 0.09809
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 337.43901 3374.3901
5.000
FORMULA: 1000*(1+T)= 3374.3901
= 3331.890123
T = 27.21% 27.54%
R = 233.19% 237.44%
AIM International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.019795 248.76890
1 FEE 29-Dec-95 0.737 4.638270 0.15890
2 FEE 31-Dec-96 0.737 5.480063 0.13449
3 FEE 31-Dec-97 0.737 5.766747 0.12780
4 FEE 31-Dec-98 0.737 6.553476 0.11246
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 248.16156 2481.6156
5.000
FORMULA: 1000*(1+T)= 2481.6156
= 2439.115608
T = 19.52% 19.94%
R = 143.91% 148.16%
AIM Global Utilities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.678112 176.11488
1 FEE 29-Dec-95 0.737 7.083244 0.10405
2 FEE 31-Dec-96 0.737 7.812330 0.09434
3 FEE 31-Dec-97 0.737 9.352724 0.07880
4 FEE 31-Dec-98 0.737 10.723141 0.06873
5 FEE 31-Dec-99 0.737 14.096367 0.05228 0.05
RESULTING VALUE 31-Dec-99 14.096367 175.71668 2476.9668
5.000
FORMULA: 1000*(1+T)= 2476.9668
= 2434.466778
T = 19.48% 19.89%
R = 143.45% 147.70%
AIM Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.249217 307.76646
1 FEE 29-Dec-95 0.737 4.355956 0.16919
2 FEE 31-Dec-96 0.737 4.931784 0.14944
3 FEE 31-Dec-97 0.737 6.003772 0.12276
4 FEE 31-Dec-98 0.737 7.821362 0.09423
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 307.15714 3071.5714
5.000
FORMULA: 1000*(1+T)= 3071.5714
= 3029.07138
T = 24.81% 25.16%
R = 202.91% 207.16%
AIM Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.512758 0.08658
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
AIM High Yield
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.311374 0.07147
5 FEE 31-Dec-99 0.737 11.216979 0.06570 0.05
RESULTING VALUE 31-Dec-99 11.216979 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.939312 0.07415
5 FEE 31-Dec-99 0.737 10.407937 0.07081 0.05
RESULTING VALUE 31-Dec-99 10.407937 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE U.S. Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.174617 0.09016
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Large Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 11.292301 0.06527
5 FEE 31-Dec-99 0.737 15.075028 0.04889 0.05
RESULTING VALUE 31-Dec-99 15.075028 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Small Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.644881 0.08525
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Capital Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.992446 0.09221
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Mid Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.977371 0.07387
5 FEE 31-Dec-99 0.737 9.810815 0.07512 0.05
RESULTING VALUE 31-Dec-99 9.810815 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.706507 0.09563
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Global Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.265289 0.07180
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Guardian
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.337619 0.08839
4 FEE 31-Dec-98 0.737 10.804961 0.06821
5 FEE 31-Dec-99 0.737 12.222673 0.06030 0.05
RESULTING VALUE 31-Dec-99 12.222673 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.842773 0.08334
4 FEE 31-Dec-98 0.737 12.122468 0.06080
5 FEE 31-Dec-99 0.737 18.361245 0.04014 0.05
RESULTING VALUE 31-Dec-99 18.361245 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Partners
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.540213 220.25398
1 FEE 29-Dec-95 0.737 6.098667 0.12085
2 FEE 31-Dec-96 0.737 7.776821 0.09477
3 FEE 31-Dec-97 0.737 10.046248 0.07336
4 FEE 31-Dec-98 0.737 10.303974 0.07153
5 FEE 31-Dec-99 0.737 10.888889 0.06768 0.05
RESULTING VALUE 31-Dec-99 10.888889 219.82580 2393.6587
5.000
FORMULA: 1000*(1+T)= 2393.6587
= 2351.15872
T = 18.65% 19.07%
R = 135.12% 139.37%
STI Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.764482 0.15469
2 FEE 31-Dec-96 0.737 5.802582 0.12701
3 FEE 31-Dec-97 0.737 7.798209 0.09451
4 FEE 31-Dec-98 0.737 9.899189 0.07445
5 FEE 31-Dec-99 0.737 10.593253 0.06957 0.05
RESULTING VALUE 31-Dec-99 10.593253 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
STI Value Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 6.294887 0.11708
2 FEE 31-Dec-96 0.737 7.349592 0.10028
3 FEE 31-Dec-97 0.737 9.174018 0.08034
4 FEE 31-Dec-98 0.737 9.904363 0.07441
5 FEE 31-Dec-99 0.737 9.455971 0.07794 0.05
RESULTING VALUE 31-Dec-99 9.455971 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Federated Prime Money Fund II
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.584137 116.49395
1 FEE 29-Dec-95 0.737 8.890712 0.08290
2 FEE 31-Dec-96 0.737 9.160105 0.08046
3 FEE 31-Dec-97 0.737 9.460144 0.07791
4 FEE 31-Dec-98 0.737 9.768797 0.07544
5 FEE 31-Dec-99 0.737 10.057099 0.07328 0.05
RESULTING VALUE 31-Dec-99 10.057099 116.10397 1167.6691
5.000
FORMULA: 1000*(1+T)= 1167.6691
= 1125.169103
T = 2.39% 3.15%
R = 12.52% 16.77%
MFS Research Series
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.734785 0.15566
2 FEE 31-Dec-96 0.737 5.699789 0.12930
3 FEE 31-Dec-97 0.737 6.745778 0.10925
4 FEE 31-Dec-98 0.737 8.191258 0.08997
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Templeton Growth Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.292542 188.94512
1 FEE 29-Dec-95 0.737 5.871595 0.12552
2 FEE 31-Dec-96 0.737 7.007698 0.10517
3 FEE 31-Dec-97 0.737 7.827607 0.09415
4 FEE 31-Dec-98 0.737 8.394835 0.08779
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 188.45879 1884.5879
5.000
FORMULA: 1000*(1+T)= 1884.5879
= 1842.087875
T = 13.00% 13.51%
R = 84.21% 88.46%
Templeton International Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.931498 202.77814
1 FEE 29-Dec-95 0.737 5.474975 0.13461
2 FEE 31-Dec-96 0.737 6.862468 0.10740
3 FEE 31-Dec-97 0.737 7.681397 0.09595
4 FEE 31-Dec-98 0.737 8.245497 0.08938
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 202.27711 2022.7711
5.000
FORMULA: 1000*(1+T)= 2022.7711
= 1980.271052
T = 14.64% 15.13%
R = 98.03% 102.28%
Templeton Developing Markets
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 12.264792 0.06009
3 FEE 31-Dec-97 0.737 8.530802 0.08639
4 FEE 31-Dec-98 0.737 6.629503 0.11117
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Franklin Small Cap Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.607117 0.20432
2 FEE 31-Dec-96 0.737 4.581585 0.16086
3 FEE 31-Dec-97 0.737 5.294542 0.13920
4 FEE 31-Dec-98 0.737 5.159423 0.14285
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Mutual Shares Securities Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 7.850991 0.09387
3 FEE 31-Dec-97 0.737 9.096588 0.08102
4 FEE 31-Dec-98 0.737 8.960165 0.08225
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Main Street Growth & Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.765920 0.15464
2 FEE 31-Dec-96 0.737 6.214679 0.11859
3 FEE 31-Dec-97 0.737 8.102519 0.09096
4 FEE 31-Dec-98 0.737 8.348809 0.08828
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.845217 351.46704
1 FEE 29-Dec-95 0.737 3.826668 0.19260
2 FEE 31-Dec-96 0.737 4.714692 0.15632
3 FEE 31-Dec-97 0.737 5.877998 0.12538
4 FEE 31-Dec-98 0.737 7.173081 0.10275
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 350.81630 3508.1630
5.000
FORMULA: 1000*(1+T)= 3508.1630
= 3465.662973
T = 28.22% 28.53%
R = 246.57% 250.82%
Oppenheimer Aggressive Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.949618 339.02695
1 FEE 29-Dec-95 0.737 3.847060 0.19157
2 FEE 31-Dec-96 0.737 4.551308 0.16193
3 FEE 31-Dec-97 0.737 5.004770 0.14726
4 FEE 31-Dec-98 0.737 5.534128 0.13317
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 338.31931 3383.1931
5.000
FORMULA: 1000*(1+T)= 3383.1931
= 3340.693124
T = 27.28% 27.60%
R = 234.07% 238.32%
Oppenheimer Strategic Bond
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.288321 137.20581
1 FEE 29-Dec-95 0.737 8.272450 0.08909
2 FEE 31-Dec-96 0.737 9.121944 0.08079
3 FEE 31-Dec-97 0.737 9.758714 0.07552
4 FEE 31-Dec-98 0.737 9.881990 0.07458
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 136.81212 1368.1212
5.000
FORMULA: 1000*(1+T)= 1368.1212
= 1325.621244
T = 5.80% 6.47%
R = 32.56% 36.81%
Oppenheimer Global Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.062749 246.13876
1 FEE 29-Dec-95 0.737 4.087982 0.18028
2 FEE 31-Dec-96 0.737 4.738819 0.15552
3 FEE 31-Dec-97 0.737 5.709433 0.12908
4 FEE 31-Dec-98 0.737 6.411377 0.11495
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 245.48521 2454.8521
5.000
FORMULA: 1000*(1+T)= 2454.8521
= 2412.352146
T = 19.26% 19.68%
R = 141.24% 145.49%
Fidelity Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.907882 524.14143
1 FEE 29-Dec-90 0.737 1.647078 0.44746
2 FEE 29-Dec-91 0.737 2.300433 0.32037
3 FEE 28-Dec-92 0.737 2.523727 0.29203
4 FEE 29-Dec-93 0.737 2.995664 0.24602
5 FEE 29-Dec-94 0.737 2.963619 0.24868
6 FEE 29-Dec-95 0.737 3.931751 0.18745
7 FEE 28-Dec-96 0.737 4.479560 0.16453
8 FEE 29-Dec-97 0.737 5.253984 0.14027
9 FEE 29-Dec-98 0.737 7.369219 0.10001
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 521.92090 5219.2090
10.000
FORMULA: 1000*(1+T)= 5219.2090
= 5219.209048
T = 17.97% 17.97%
R = 421.92% 421.92%
Fidelity High Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 3.662053 273.07087
1 FEE 29-Dec-90 0.737 3.451156 0.21355
2 FEE 29-Dec-91 0.737 4.616439 0.15965
3 FEE 28-Dec-92 0.737 5.610031 0.13137
4 FEE 29-Dec-93 0.737 6.654898 0.11075
5 FEE 29-Dec-94 0.737 6.458184 0.11412
6 FEE 29-Dec-95 0.737 7.672376 0.09606
7 FEE 28-Dec-96 0.737 8.576565 0.08593
8 FEE 29-Dec-97 0.737 9.955901 0.07403
9 FEE 29-Dec-98 0.737 9.346869 0.07885
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 271.93287 2719.3287
10.000
FORMULA: 1000*(1+T)= 2719.3287
= 2719.328686
T = 10.52% 10.52%
R = 171.93% 171.93%
Fidelity Equity Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.991399 334.29175
1 FEE 29-Dec-90 0.737 2.488663 0.29614
2 FEE 29-Dec-91 0.737 3.158039 0.23337
3 FEE 28-Dec-92 0.737 3.694294 0.19950
4 FEE 29-Dec-93 0.737 4.393907 0.16773
5 FEE 29-Dec-94 0.737 4.590848 0.16054
6 FEE 29-Dec-95 0.737 6.135125 0.12013
7 FEE 28-Dec-96 0.737 6.982818 0.10554
8 FEE 29-Dec-97 0.737 8.538246 0.08632
9 FEE 29-Dec-98 0.737 9.576016 0.07696
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 332.77181 3327.7181
10.000
FORMULA: 1000*(1+T)= 3327.7181
= 3327.718128
T = 12.78% 12.78%
R = 232.77% 232.77%
Dreyfus Stock Index
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.297421 435.27068
1 FEE 29-Dec-90 0.737 2.126866 0.34652
2 FEE 29-Dec-91 0.737 2.507642 0.29390
3 FEE 28-Dec-92 0.737 2.909931 0.25327
4 FEE 29-Dec-93 0.737 3.130936 0.23539
5 FEE 29-Dec-94 0.737 3.100579 0.23770
6 FEE 29-Dec-95 0.737 4.229810 0.17424
7 FEE 28-Dec-96 0.737 5.215140 0.14132
8 FEE 29-Dec-97 0.737 6.574672 0.11210
9 FEE 29-Dec-98 0.737 8.510186 0.08660
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 433.31594 4333.1594
10.000
FORMULA: 1000*(1+T)= 4333.1594
= 4333.159398
T = 15.79% 15.79%
R = 333.32% 333.32%
Templeton Growth Securities
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 #N/A #N/A
1 FEE 29-Dec-90 0.737 #N/A #N/A
2 FEE 29-Dec-91 0.737 #N/A #N/A
3 FEE 28-Dec-92 0.737 #N/A #N/A
4 FEE 29-Dec-93 0.737 #N/A #N/A
5 FEE 29-Dec-94 0.737 5.293006 0.13924
6 FEE 29-Dec-95 0.737 5.871595 0.12552
7 FEE 28-Dec-96 0.737 6.957827 0.10592
8 FEE 29-Dec-97 0.737 7.756846 0.09501
9 FEE 29-Dec-98 0.737 8.389886 0.08784
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
10.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.156838 463.64168
1 FEE 29-Dec-90 0.737 1.940567 0.37979
2 FEE 29-Dec-91 0.737 2.354870 0.31297
3 FEE 28-Dec-92 0.737 2.700360 0.27293
4 FEE 29-Dec-93 0.737 2.866762 0.25708
5 FEE 29-Dec-94 0.737 2.856608 0.25800
6 FEE 29-Dec-95 0.737 3.826668 0.19260
7 FEE 28-Dec-96 0.737 4.762259 0.15476
8 FEE 29-Dec-97 0.737 5.744411 0.12830
9 FEE 29-Dec-98 0.737 7.132626 0.10333
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 461.50824 4615.0824
10.000
FORMULA: 1000*(1+T)= 4615.0824
= 4615.082382
T = 16.52% 16.52%
R = 361.51% 361.51%
Oppenheimer Aggressive Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.828414 546.92209
1 FEE 29-Dec-90 0.737 1.483024 0.49696
2 FEE 29-Dec-91 0.737 2.193821 0.33594
3 FEE 28-Dec-92 0.737 2.533091 0.29095
4 FEE 29-Dec-93 0.737 3.198506 0.23042
5 FEE 29-Dec-94 0.737 2.939517 0.25072
6 FEE 29-Dec-95 0.737 3.847060 0.19157
7 FEE 28-Dec-96 0.737 4.493302 0.16402
8 FEE 29-Dec-97 0.737 4.852456 0.15188
9 FEE 29-Dec-98 0.737 5.434608 0.13561
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 544.60030 5446.0030
10.000
FORMULA: 1000*(1+T)= 5446.0030
= 5446.003039
T = 18.47% 18.47%
R = 444.60% 444.60%
Morgan Stanley Fixed Income
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 8.999573 111.11638
1 FEE 02-Jan-98 0.737 9.780335 0.07536 0.07
2 FEE 02-Jan-99 0.737 10.328152 0.07136 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 110.89597 1108.9597
2.992
FORMULA: 1000*(1+T)= 1108.9597
= 1057.959693
T = 1.90%
R = 5.80%
Morgan Stanley Equity Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.742018 210.88068
1 FEE 02-Jan-98 0.737 6.207439 0.11873 0.07
2 FEE 02-Jan-99 0.737 7.285638 0.10116 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 210.58710 2105.8710
2.992
FORMULA: 1000*(1+T)= 2105.8710
= 2054.870977
T = 27.21%
R = 105.49%
Morgan Stanley Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.027444 110.77333
1 FEE 02-Jan-98 0.737 10.774186 0.06840 0.07
2 FEE 02-Jan-99 0.737 10.352042 0.07119 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 110.56003 1105.6003
2.992
FORMULA: 1000*(1+T)= 1105.6003
= 1054.600284
T = 1.79%
R = 5.46%
Morgan Stanley Mid Cap Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.353358 186.79864
1 FEE 02-Jan-98 0.737 7.388312 0.09975 0.07
2 FEE 02-Jan-99 0.737 8.461155 0.08710 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 186.53809 1865.3809
2.992
FORMULA: 1000*(1+T)= 1865.3809
= 1814.38085
T = 22.03%
R = 81.44%
Morgan Stanley U.S. Real Estate
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 9.959228 100.40939
1 FEE 04-Mar-98 0.737 11.321853 0.06510 0.07
2 FEE 04-Mar-99 0.737 9.794307 0.07525 0.06
3 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 100.19435 988.5494
2.825
FORMULA: 1000*(1+T)= 988.5494
= 937.5493937
T = -2.26%
R = -6.25%
Morgan Stanley Global Equity
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.404764 135.04819
1 FEE 02-Jan-98 0.737 8.743649 0.08429 0.07
2 FEE 02-Jan-99 0.737 9.758449 0.07552 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.81468 1348.1468
2.992
FORMULA: 1000*(1+T)= 1348.1468
= 1297.146792
T = 9.08%
R = 29.71%
Morgan Stanley International Magnum
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.165652 109.10299
1 FEE 02-Jan-98 0.737 9.718113 0.07584 0.07
2 FEE 02-Jan-99 0.737 10.529467 0.06999 0.06
3 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 108.89955 1393.2930
2.992
FORMULA: 1000*(1+T)= 1393.2930
= 1342.29297
T = 10.34%
R = 34.23%
Fidelity Growth
09-Oct-86
TO NO. YEARS13.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-86 1000.00 1.289659 775.39877
1 FEE 09-Oct-87 0.737 1.619693 0.45502 0.07
2 FEE 09-Oct-88 0.737 1.497126 0.49228 0.06
3 FEE 09-Oct-89 0.737 1.962601 0.37552 0.06
4 09-Oct-90 0.737 1.540769 0.47833 0.05
5 09-Oct-91 0.737 2.094794 0.35182 0.05
6 09-Oct-92 0.737 2.203167 0.33452 0.04
7 09-Oct-93 0.737 2.993413 0.24621 0.03
8 09-Oct-94 0.737 2.829647 0.26046 0
9 09-Oct-95 0.737 3.837640 0.19205 0
10 09-Oct-96 0.737 4.415067 0.16693 0
11 09-Oct-97 0.737 5.574275 0.13221 0
12 09-Oct-98 0.737 5.515053 0.13363 0
13 09-Oct-99 0.737 8.503794 0.08667 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 771.61942 7716.1942
13.227
FORMULA: 1000*(1+T)= 7716.1942
= 7716.19416
T = 16.71%
R = 671.62%
Fidelity High Income
20-Sep-85
TO NO. YEARS14.278
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 20-Sep-85 1000.00 2.892667 345.70173
1 FEE 20-Sep-86 0.737 3.389413 0.21744 0.07
2 FEE 20-Sep-87 0.737 3.608863 0.20422 0.06
3 FEE 20-Sep-88 0.737 3.819686 0.19295 0.06
4 20-Sep-89 0.737 3.877438 0.19007 0.05
5 20-Sep-90 0.737 3.526424 0.20899 0.05
6 20-Sep-91 0.737 4.431110 0.16632 0.04
7 20-Sep-92 0.737 5.593037 0.13177 0.03
8 20-Sep-93 0.737 6.359971 0.11588 0
9 20-Sep-94 0.737 6.577072 0.11206 0
10 20-Sep-95 0.737 7.475849 0.09858 0
11 20-Sep-96 0.737 8.392333 0.08782 0
12 20-Sep-97 0.737 9.800957 0.07520 0
13 20-Sep-98 0.737 8.971629 0.08215 0
14 FEE 20-Sep-99 0.737 9.769714 0.07544 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 343.66914 3436.6914
14.278
FORMULA: 1000*(1+T)= 3436.6914
= 3436.691419
T = 9.03%
R = 243.67%
Fidelity Contrafund
03-Jan-95
TO NO. YEARS 4.991
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Jan-95 1000.00 3.189144 313.56377
1 FEE 03-Jan-96 0.737 4.353415 0.16929 0.07
2 FEE 03-Jan-97 0.737 5.228268 0.14096 0.06
3 FEE 03-Jan-98 0.737 6.382017 0.11548 0.06
4 03-Jan-99 0.737 8.177740 0.09012 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 312.97420 3129.7420
4.991
FORMULA: 1000*(1+T)= 3129.7420
= 3087.242047
T = 25.34%
R = 208.72%
Fidelity Equity Income
23-Oct-86
TO NO. YEARS13.188
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 23-Oct-86 1000.00 2.252294 443.99177
1 FEE 23-Oct-87 0.737 2.189800 0.33656 0.07
2 FEE 23-Oct-88 0.737 2.635425 0.27965 0.06
3 FEE 23-Oct-89 0.737 3.011602 0.24472 0.06
4 23-Oct-90 0.737 2.335269 0.31560 0.05
5 23-Oct-91 0.737 3.100993 0.23767 0.05
6 23-Oct-92 0.737 3.456758 0.21321 0.04
7 23-Oct-93 0.737 4.355773 0.16920 0.03
8 23-Oct-94 0.737 4.697689 0.15689 0
9 23-Oct-95 0.737 5.771543 0.12770 0
10 23-Oct-96 0.737 6.611069 0.11148 0
11 23-Oct-97 0.737 8.531016 0.08639 0
12 23-Oct-98 0.737 8.676537 0.08494 0
13 23-Oct-99 0.737 9.667936 0.07623 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 441.47785 4414.7785
13.188
FORMULA: 1000*(1+T)= 4414.7785
= 4414.77846
T = 11.92%
R = 341.48%
MFS Emerging Growth
24-Jul-95
TO NO. YEARS 4.438
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 24-Jul-95 1000.00 2.703516 369.88869
1 FEE 24-Jul-96 0.737 3.200364 0.23029 0.07
2 FEE 24-Jul-97 0.737 4.309501 0.17102 0.06
3 FEE 24-Jul-98 0.737 5.242922 0.14057 0.06
4 24-Jul-99 0.737 6.346513 0.11613 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 369.15699 3691.5699
4.438
FORMULA: 1000*(1+T)= 3691.5699
= 3649.06992
T = 33.87%
R = 264.91%
MFS Growth and Income
09-Oct-95
TO NO. YEARS 4.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-95 1000.00 4.759159 210.12116
1 FEE 09-Oct-96 0.737 5.846778 0.12605 0.07
2 FEE 09-Oct-97 0.737 7.786174 0.09465 0.06
3 FEE 09-Oct-98 0.737 7.847179 0.09392 0.06
4 09-Oct-99 0.737 9.246016 0.07971 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 209.65312 2096.5312
4.227
FORMULA: 1000*(1+T)= 2096.5312
= 2054.031215
T = 18.56%
R = 105.40%
MFS New Discovery
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 5.794950 172.56404
1 FEE 01-May-99 0.737 6.144795 0.11994 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 172.37040 1723.7040
1.667
FORMULA: 1000*(1+T)= 1723.7040
= 1672.704039
T = 36.14%
R = 67.27%
Dreyfus Growth & Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.673538 272.21714
1 FEE 02-May-95 0.737 4.420393 0.16673 0.07
2 FEE 02-May-96 0.737 6.313653 0.11673 0.06
3 FEE 02-May-97 0.737 6.688998 0.11018 0.06
4 02-May-98 0.737 8.806074 0.08369 0.05
5 02-May-99 0.737 9.063703 0.08131 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 271.58479 2715.8479
5.665
FORMULA: 1000*(1+T)= 2715.8479
= 2681.847928
T = 19.02%
R = 168.18%
Dreyfus Money Market
31-Aug-90
TO NO. YEARS 9.333
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Aug-90 1000.00 7.446192 134.29683
1 FEE 31-Aug-91 0.737 7.812731 0.09433 0.07
2 FEE 31-Aug-92 0.737 8.056685 0.09148 0.06
3 FEE 31-Aug-93 0.737 8.202732 0.08985 0.06
4 31-Aug-94 0.737 8.371569 0.08804 0.05
5 31-Aug-95 0.737 8.703448 0.08468 0.05
6 31-Aug-96 0.737 9.009056 0.08181 0.04
7 31-Aug-97 0.737 9.300039 0.07925 0.03
8 31-Aug-98 0.737 9.598688 0.07678 0
9 31-Aug-99 0.737 9.888366 0.07453 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.46239 1334.6239
9.333
FORMULA: 1000*(1+T)= 1334.6239
= 1334.623923
T = 3.14%
R = 33.46%
Dreyfus Socially Responsible
07-Oct-93
TO NO. YEARS 6.231
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 07-Oct-93 1000.00 2.992159 334.20684
1 FEE 07-Oct-94 0.737 3.204011 0.23002 0.07
2 FEE 07-Oct-95 0.737 4.109152 0.17936 0.06
3 FEE 07-Oct-96 0.737 4.835938 0.15240 0.06
4 07-Oct-97 0.737 6.663822 0.11060 0.05
5 07-Oct-98 0.737 6.097313 0.12087 0.05
6 07-Oct-99 0.737 8.647671 0.08523 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 333.25466 3332.5466
6.231
FORMULA: 1000*(1+T)= 3332.5466
= 3307.046626
T = 21.16%
R = 230.70%
Dreyfus Small Company
30-Apr-96
TO NO. YEARS 3.669
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-96 1000.00 8.931576 111.96232
1 FEE 30-Apr-97 0.737 9.264909 0.07955 0.07
2 FEE 30-Apr-98 0.737 12.392045 0.05947 0.06
3 FEE 30-Apr-99 0.737 10.476103 0.07035 0.06
4 31-Dec-99 0.737 11.602306 0.06352 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 111.68943 1295.8549
3.669
FORMULA: 1000*(1+T)= 1295.8549
= 1253.354941
T = 6.35%
R = 25.34%
Dreyfus Stock Index
29-Sep-89
TO NO. YEARS10.253
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Sep-89 1000.00 2.257786 442.91177
1 FEE 29-Sep-90 0.737 2.014671 0.36582 0.07
2 FEE 29-Sep-91 0.737 2.634326 0.27977 0.06
3 FEE 29-Sep-92 0.737 2.786637 0.26448 0.06
4 29-Sep-93 0.737 3.136115 0.23500 0.05
5 29-Sep-94 0.737 3.225976 0.22846 0.05
6 29-Sep-95 0.737 4.012405 0.18368 0.04
7 29-Sep-96 0.737 4.487805 0.16422 0.03
8 29-Sep-97 0.737 6.390307 0.11533 0
9 29-Sep-98 0.737 7.197909 0.10239 0
10 29-Sep-99 0.737 8.648354 0.08522 0
11 31-Dec-99 0.737 10.000000 0.07370 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 440.81371 4408.1371
10.253
FORMULA: 1000*(1+T)= 4408.1371
= 4408.137061
T = 15.57%
R = 340.81%
American Century Balanced
01-May-91
TO NO. YEARS 8.668
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-91 1000.00 5.136210 194.69609
1 FEE 01-May-92 0.737 5.776160 0.12759 0.07
2 FEE 01-May-93 0.737 5.828648 0.12644 0.06
3 FEE 01-May-94 0.737 6.218502 0.11852 0.06
4 01-May-95 0.737 6.518490 0.11306 0.05
5 01-May-96 0.737 7.546020 0.09767 0.05
6 01-May-97 0.737 8.169798 0.09021 0.04
7 01-May-98 0.737 10.083957 0.07309 0.03
8 01-May-99 0.737 10.786170 0.06833 0
9 31-Dec-99 0.737 11.482353 0.06419 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 193.81699 2225.4751
8.668
FORMULA: 1000*(1+T)= 2225.4751
= 2225.475133
T = 9.67%
R = 122.55%
American Century International
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 6.876426 145.42438
1 FEE 02-May-95 0.737 6.578415 0.11203 0.07
2 FEE 02-May-96 0.737 7.540259 0.09774 0.06
3 FEE 02-May-97 0.737 8.639725 0.08530 0.06
4 02-May-98 0.737 11.320883 0.06510 0.05
5 02-May-99 0.737 11.543972 0.06384 0.05
6 31-Dec-99 0.737 17.713705 0.04161 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 144.95875 2567.7566
5.665
FORMULA: 1000*(1+T)= 2567.7566
= 2533.756589
T = 17.84%
R = 153.38%
AIM Capital Appreciation
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 4.709692 212.32811
1 FEE 05-May-94 0.737 5.543622 0.13295 0.07
2 FEE 05-May-95 0.737 6.169436 0.11946 0.06
3 FEE 05-May-96 0.737 8.333030 0.08844 0.06
4 05-May-97 0.737 8.720256 0.08452 0.05
5 05-May-98 0.737 10.987151 0.06708 0.05
6 05-May-99 0.737 11.688021 0.06306 0.04
7 31-Dec-99 0.737 16.212275 0.04546 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 211.72715 3432.5788
6.656
FORMULA: 1000*(1+T)= 3432.5788
= 3407.078804
T = 20.22%
R = 240.71%
AIM Diversified Income
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 7.580780 131.91255
1 FEE 05-May-94 0.737 7.552146 0.09759 0.07
2 FEE 05-May-95 0.737 8.058163 0.09146 0.06
3 FEE 05-May-96 0.737 8.593054 0.08577 0.06
4 05-May-97 0.737 9.419294 0.07824 0.05
5 05-May-98 0.737 10.466491 0.07042 0.05
6 05-May-99 0.737 10.360414 0.07114 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.34424 1313.4424
6.656
FORMULA: 1000*(1+T)= 1313.4424
= 1287.942371
T = 3.88%
R = 28.79%
AIM Growth and Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.164357 316.01997
1 FEE 02-May-95 0.737 3.488154 0.21129 0.07
2 FEE 02-May-96 0.737 4.346012 0.16958 0.06
3 FEE 02-May-97 0.737 5.152204 0.14305 0.06
4 02-May-98 0.737 6.752076 0.10915 0.05
5 02-May-99 0.737 8.264049 0.08918 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 315.22402 3152.2402
5.665
FORMULA: 1000*(1+T)= 3152.2402
= 3118.240227
T = 22.23%
R = 211.82%
AIM Government Securities
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 8.213313 121.75355
1 FEE 05-May-94 0.737 8.033430 0.09174 0.07
2 FEE 05-May-95 0.737 8.481307 0.08690 0.06
3 FEE 05-May-96 0.737 8.708278 0.08463 0.06
4 05-May-97 0.737 9.180633 0.08028 0.05
5 05-May-98 0.737 9.848717 0.07483 0.05
6 05-May-99 0.737 10.180400 0.07239 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.18907 1211.8907
6.656
FORMULA: 1000*(1+T)= 1211.8907
= 1186.390736
T = 2.60%
R = 18.64%
AIM Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.814399 355.31565
1 FEE 05-May-94 0.737 2.951356 0.24972 0.07
2 FEE 05-May-95 0.737 3.292881 0.22382 0.06
3 FEE 05-May-96 0.737 4.149999 0.17759 0.06
4 05-May-97 0.737 4.875980 0.15115 0.05
5 05-May-98 0.737 6.553536 0.11246 0.05
6 05-May-99 0.737 8.007679 0.09204 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 354.23518 3542.3518
6.656
FORMULA: 1000*(1+T)= 3542.3518
= 3516.851799
T = 20.80%
R = 251.69%
AIM International Equity
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.528627 283.39635
1 FEE 05-May-94 0.737 4.083827 0.18047 0.07
2 FEE 05-May-95 0.737 4.213658 0.17491 0.06
3 FEE 05-May-96 0.737 5.037449 0.14630 0.06
4 05-May-97 0.737 5.553543 0.13271 0.05
5 05-May-98 0.737 6.785865 0.10861 0.05
6 05-May-99 0.737 6.647988 0.11086 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 282.46879 2824.6879
6.656
FORMULA: 1000*(1+T)= 2824.6879
= 2799.1879
T = 16.73%
R = 179.92%
AIM Global Utilities
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 5.911053 169.17460
1 FEE 02-May-95 0.737 5.986780 0.12310 0.07
2 FEE 02-May-96 0.737 7.026721 0.10489 0.06
3 FEE 02-May-97 0.737 7.882383 0.09350 0.06
4 02-May-98 0.737 10.236401 0.07200 0.05
5 02-May-99 0.737 10.999097 0.06701 0.05
6 31-Dec-99 0.737 14.096367 0.05228 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 168.66182 2377.5189
5.665
FORMULA: 1000*(1+T)= 2377.5189
= 2343.518906
T = 16.22%
R = 134.35%
AIM Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.793112 358.02360
1 FEE 05-May-94 0.737 3.238820 0.22755 0.07
2 FEE 05-May-95 0.737 3.654877 0.20165 0.06
3 FEE 05-May-96 0.737 4.394588 0.16771 0.06
4 05-May-97 0.737 5.277501 0.13965 0.05
5 05-May-98 0.737 6.777057 0.10875 0.05
6 05-May-99 0.737 8.501582 0.08669 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 357.01790 3570.1790
6.656
FORMULA: 1000*(1+T)= 3570.1790
= 3544.679
T = 20.94%
R = 254.47%
AIM Balanced
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 7.616092 131.30093
1 FEE 01-May-99 0.737 8.861994 0.08316 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.14407 1311.4407
1.667
FORMULA: 1000*(1+T)= 1311.4407
= 1260.440708
T = 14.89%
R = 26.04%
AIM High Yield
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 11.290974 88.56632
1 FEE 01-May-99 0.737 11.023511 0.06686 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 88.43376 991.9596
1.667
FORMULA: 1000*(1+T)= 991.9596
= 940.9596004
T = -3.58%
R = -5.90%
Goldman Sachs Growth and Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 9.658724 103.53334
1 FEE 12-Jan-99 0.737 10.190802 0.07232 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 103.39021 1076.0788
1.966
FORMULA: 1000*(1+T)= 1076.0788
= 1025.078824
T = 1.27%
R = 2.51%
Goldman Sachs CORE U.S. Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 7.266812 137.61193
1 FEE 13-Feb-99 0.737 8.266423 0.08916 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.44907 1374.4907
1.878
FORMULA: 1000*(1+T)= 1374.4907
= 1323.490708
T = 16.09%
R = 32.35%
Goldman Sachs CORE Large Cap Growth
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.813933 101.89595
1 FEE 13-Feb-99 0.737 11.309785 0.06516 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 101.78189 1534.3649
1.878
FORMULA: 1000*(1+T)= 1534.3649
= 1483.364898
T = 23.36%
R = 48.34%
Goldman Sachs CORE Small Cap Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.708225 103.00544
1 FEE 13-Feb-99 0.737 7.998622 0.09214 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 102.83960 1028.3960
1.878
FORMULA: 1000*(1+T)= 1028.3960
= 977.3960038
T = -1.21%
R = -2.26%
Goldman Sachs Capital Growth
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 7.142973 139.99773
1 FEE 30-Apr-99 0.737 8.695777 0.08475 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 139.83928 1398.3928
1.670
FORMULA: 1000*(1+T)= 1398.3928
= 1347.392754
T = 19.55%
R = 34.74%
Goldman Sachs Mid Cap Equity
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 11.767255 84.98159
1 FEE 30-Apr-99 0.737 10.840596 0.06799 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 84.83848 832.3346
1.670
FORMULA: 1000*(1+T)= 832.3346
= 781.3346344
T = -13.74%
R = -21.87%
Goldman Sachs International Equity
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 6.571448 152.17346
1 FEE 12-Jan-99 0.737 7.767139 0.09489 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 152.00488 1520.0488
1.966
FORMULA: 1000*(1+T)= 1520.0488
= 1469.048762
T = 21.61%
R = 46.90%
Goldman Sachs Global Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 10.102091 98.98941
1 FEE 12-Jan-99 0.737 10.289713 0.07162 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 98.84408 988.4408
1.966
FORMULA: 1000*(1+T)= 988.4408
= 937.440823
T = -3.23%
R = -6.26%
Neuberger & Berman AMT Guardian
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.945475 125.85780
1 FEE 03-Nov-98 0.737 9.697367 0.07600 0.07
2 FEE 03-Nov-99 0.737 11.573280 0.06368 0.06
3 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 125.65782 1535.8745
2.157
FORMULA: 1000*(1+T)= 1535.8745
= 1484.874451
T = 20.11%
R = 48.49%
Neuberger & Berman AMT Mid-Cap Growth
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.563989 132.20537
1 FEE 03-Nov-98 0.737 9.650452 0.07637 0.07
2 FEE 03-Nov-99 0.737 13.672999 0.05390 0.06
3 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 132.03496 2424.3263
2.157
FORMULA: 1000*(1+T)= 2424.3263
= 2373.326331
T = 49.27%
R = 137.33%
Neuberger & Berman AMT Partners
22-Mar-94
TO NO. YEARS 5.777
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 22-Mar-94 1000.00 4.704773 212.55011
1 FEE 22-Mar-95 0.737 4.834648 0.15244 0.07
2 FEE 22-Mar-96 0.737 6.597729 0.11171 0.06
3 FEE 22-Mar-97 0.737 8.058264 0.09146 0.06
4 22-Mar-98 0.737 11.138676 0.06617 0.05
5 22-Mar-99 0.737 10.592220 0.06958 0.05
6 31-Dec-99 0.737 10.888889 0.06768 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 211.99107 2308.3472
5.777
FORMULA: 1000*(1+T)= 2308.3472
= 2274.34725
T = 15.29%
R = 127.43%
STI Capital Appreciation
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 4.471759 223.62566
1 FEE 02-Oct-96 0.737 5.506528 0.13384 0.07
2 FEE 02-Oct-97 0.737 7.581197 0.09721 0.06
3 FEE 02-Oct-98 0.737 7.890025 0.09341 0.06
4 02-Oct-99 0.737 9.740881 0.07566 0.05
5 31-Dec-99 0.737 10.593253 0.06957 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 223.15596 2363.9475
4.246
FORMULA: 1000*(1+T)= 2363.9475
= 2321.447523
T = 21.94%
R = 132.14%
STI Value Income
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 5.888812 169.81355
1 FEE 02-Oct-96 0.737 7.013256 0.10509 0.07
2 FEE 02-Oct-97 0.737 9.265567 0.07954 0.06
3 FEE 02-Oct-98 0.737 8.802561 0.08373 0.06
4 02-Oct-99 0.737 9.742285 0.07565 0.05
5 31-Dec-99 0.737 9.455971 0.07794 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 169.39160 1601.7621
4.246
FORMULA: 1000*(1+T)= 1601.7621
= 1559.262104
T = 11.03%
R = 55.93%
Federated Prime Money Fund II
21-Nov-94
TO NO. YEARS 5.109
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 21-Nov-94 1000.00 8.557007 116.86329
1 FEE 21-Nov-95 0.737 8.855477 0.08323 0.07
2 FEE 21-Nov-96 0.737 9.132512 0.08070 0.06
3 FEE 21-Nov-97 0.737 9.427165 0.07818 0.06
4 21-Nov-98 0.737 9.739616 0.07567 0.05
5 21-Nov-99 0.737 10.019285 0.07356 0.05
6 31-Dec-99 0.737 10.057099 0.07328 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 116.39867 1170.6330
5.109
FORMULA: 1000*(1+T)= 1170.6330
= 1136.632987
T = 2.54%
R = 13.66%
MFS Research Series
26-Jul-95
TO NO. YEARS 4.433
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jul-95 1000.00 4.309415 232.05006
1 FEE 26-Jul-96 0.737 4.984473 0.14786 0.07
2 FEE 26-Jul-97 0.737 6.810142 0.10822 0.06
3 FEE 26-Jul-98 0.737 7.945780 0.09275 0.06
4 26-Jul-99 0.737 8.645744 0.08524 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 231.54228 2315.4228
4.433
FORMULA: 1000*(1+T)= 2315.4228
= 2272.922798
T = 20.35%
R = 127.29%
Templeton Growth Securities
15-Mar-94
TO NO. YEARS 5.796
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Mar-94 1000.00 5.196796 192.42626
1 FEE 15-Mar-95 0.737 5.240164 0.14064 0.07
2 FEE 15-Mar-96 0.737 6.115829 0.12051 0.06
3 FEE 15-Mar-97 0.737 7.283648 0.10119 0.06
4 15-Mar-98 0.737 8.631349 0.08539 0.05
5 15-Mar-99 0.737 8.333653 0.08844 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 191.81640 1918.1640
5.796
FORMULA: 1000*(1+T)= 1918.1640
= 1884.163964
T = 11.55%
R = 88.42%
Templeton International Securities
01-May-92
TO NO. YEARS 7.666
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-92 1000.00 3.804421 262.85209
1 FEE 01-May-93 0.737 3.882974 0.18980 0.07
2 FEE 01-May-94 0.737 4.962134 0.14852 0.06
3 FEE 01-May-95 0.737 5.075517 0.14521 0.06
4 01-May-96 0.737 6.068309 0.12145 0.05
5 01-May-97 0.737 7.092901 0.10391 0.05
6 01-May-98 0.737 9.045907 0.08147 0.04
7 01-May-99 0.737 8.947380 0.08237 0.03
8 31-Dec-99 0.737 10.000000 0.07370 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 261.90565 2619.0565
7.666
FORMULA: 1000*(1+T)= 2619.0565
= 2619.056512
T = 13.38%
R = 161.91%
Templeton Developing Markets
04-Mar-96
TO NO. YEARS 3.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-96 1000.00 13.180225 75.87124
1 FEE 04-Mar-97 0.737 13.427206 0.05489 0.07
2 FEE 04-Mar-98 0.737 8.843542 0.08334 0.06
3 FEE 04-Mar-99 0.737 6.244794 0.11802 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 75.54129 755.4129
3.825
FORMULA: 1000*(1+T)= 755.4129
= 712.9129438
T = -8.47%
R = -28.71%
Franklin Small Cap Fund
01-Nov-95
TO NO. YEARS 4.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-95 1000.00 3.534992 282.88607
1 FEE 01-Nov-96 0.737 4.315205 0.17079 0.07
2 FEE 01-Nov-97 0.737 5.513072 0.13368 0.06
3 FEE 01-Nov-98 0.737 4.430212 0.16636 0.06
4 01-Nov-99 0.737 7.047147 0.10458 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 282.23696 2822.3696
4.164
FORMULA: 1000*(1+T)= 2822.3696
= 2779.869588
T = 27.83%
R = 177.99%
Mutual Shares Securities Fund
08-Nov-96
TO NO. YEARS 3.143
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 08-Nov-96 1000.00 7.603082 131.52561
1 FEE 08-Nov-97 0.737 8.923106 0.08259 0.07
2 FEE 08-Nov-98 0.737 8.778253 0.08396 0.06
3 FEE 08-Nov-99 0.737 9.705048 0.07594 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.20942 1312.0942
3.143
FORMULA: 1000*(1+T)= 1312.0942
= 1269.594183
T = 7.89%
R = 26.96%
Oppenheimer Main Street Growth & Income
05-Jul-95
TO NO. YEARS 4.490
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-Jul-95 1000.00 3.834587 260.78428
1 FEE 05-Jul-96 0.737 5.486354 0.13433 0.07
2 FEE 05-Jul-97 0.737 7.185915 0.10256 0.06
3 FEE 05-Jul-98 0.737 9.130708 0.08072 0.06
4 05-Jul-99 0.737 9.580808 0.07692 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 260.31604 2603.1604
4.490
FORMULA: 1000*(1+T)= 2603.1604
= 2560.660411
T = 23.30%
R = 156.07%
Oppenheimer Capital Appreciation
03-Apr-85
TO NO. YEARS14.743
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Apr-85 1000.00 1.157512 863.92193
1 FEE 03-Apr-86 0.737 1.370398 0.53780 0.07
2 FEE 03-Apr-87 0.737 1.738521 0.42392 0.06
3 FEE 03-Apr-88 0.737 1.612798 0.45697 0.06
4 03-Apr-89 0.737 1.950667 0.37782 0.05
5 03-Apr-90 0.737 2.073637 0.35541 0.05
6 03-Apr-91 0.737 2.117758 0.34801 0.04
7 03-Apr-92 0.737 2.355127 0.31293 0.03
8 03-Apr-93 0.737 2.663617 0.27669 0
9 03-Apr-94 0.737 2.780244 0.26508 0
10 03-Apr-95 0.737 3.094456 0.23817 0
11 03-Apr-96 0.737 4.117775 0.17898 0
12 03-Apr-97 0.737 4.657498 0.15824 0
13 03-Apr-98 0.737 6.698879 0.11002 0
14 FEE 03-Apr-99 0.737 7.643351 0.09642 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 859.71175 8597.1175
14.743
FORMULA: 1000*(1+T)= 8597.1175
= 8597.117523
T = 15.71%
R = 759.71%
Oppenheimer Aggressive Growth
15-Aug-86
TO NO. YEARS13.377
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Aug-86 1000.00 1.186201 843.02745
1 FEE 15-Aug-87 0.737 1.528702 0.48211 0.07
2 FEE 15-Aug-88 0.737 1.376158 0.53555 0.06
3 FEE 15-Aug-89 0.737 1.848375 0.39873 0.06
4 15-Aug-90 0.737 1.657809 0.44456 0.05
5 15-Aug-91 0.737 1.916707 0.38451 0.05
6 15-Aug-92 0.737 2.083136 0.35379 0.04
7 15-Aug-93 0.737 2.816690 0.26165 0.03
8 15-Aug-94 0.737 2.813008 0.26200 0
9 15-Aug-95 0.737 3.514845 0.20968 0
10 15-Aug-96 0.737 4.294949 0.17160 0
11 15-Aug-97 0.737 4.928175 0.14955 0
12 15-Aug-98 0.737 5.009003 0.14714 0
13 15-Aug-99 0.737 6.615461 0.11141 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 839.04147 8390.4147
13.377
FORMULA: 1000*(1+T)= 8390.4147
= 8390.414706
T = 17.23%
R = 739.04%
Oppenheimer Strategic Bond
03-May-93
TO NO. YEARS 6.661
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-May-93 1000.00 7.461013 134.03006
1 FEE 03-May-94 0.737 7.327025 0.10059 0.07
2 FEE 03-May-95 0.737 7.601033 0.09696 0.06
3 FEE 03-May-96 0.737 8.377208 0.08798 0.06
4 03-May-97 0.737 9.178220 0.08030 0.05
5 03-May-98 0.737 10.007757 0.07364 0.05
6 03-May-99 0.737 10.045664 0.07336 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.44353 1334.4353
6.661
FORMULA: 1000*(1+T)= 1334.4353
= 1308.935268
T = 4.12%
R = 61.27%
Oppenheimer Global Securities
12-Nov-90
TO NO. YEARS 9.133
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Nov-90 1000.00 2.803318 356.72014
1 FEE 12-Nov-91 0.737 2.929845 0.25155 0.07
2 FEE 12-Nov-92 0.737 2.609631 0.28242 0.06
3 FEE 12-Nov-93 0.737 3.900840 0.18893 0.06
4 12-Nov-94 0.737 4.333223 0.17008 0.05
5 12-Nov-95 0.737 4.042147 0.18233 0.05
6 12-Nov-96 0.737 4.611900 0.15980 0.04
7 12-Nov-97 0.737 5.531587 0.13323 0.03
8 12-Nov-98 0.737 5.755527 0.12805 0
9 12-Nov-99 0.737 8.311654 0.08867 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 355.06138 3550.6138
9.133
FORMULA: 1000*(1+T)= 3550.6138
= 3550.61375
T = 14.88%
R = 255.06%
</TABLE>
<TABLE>
<CAPTION>
Morgan Stanley Fixed Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.192321 98.11308
1 FEE 10-Nov-99 0.737 10.148873 0.07262 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 97.96676 979.6676
1.139
FORMULA: 1000*(1+T)= 979.6676
= 928.6676053
T = -6.29%
R = -7.13%
Morgan Stanley Equity Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 6.644253 150.50601
1 FEE 10-Nov-99 0.737 8.952367 0.08232 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 150.34998 1503.4998
1.139
FORMULA: 1000*(1+T)= 1503.4998
= 1452.499841
T = 38.78%
R = 45.25%
Morgan Stanley Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.357866 96.54498
1 FEE 10-Nov-99 0.737 9.962235 0.07398 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 96.39730 963.9730
1.139
FORMULA: 1000*(1+T)= 963.9730
= 912.9730391
T = -7.68%
R = -8.70%
Morgan Stanley Mid Cap Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.641092 130.87135
1 FEE 10-Nov-99 0.737 9.288640 0.07934 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.71830 1307.1830
1.139
FORMULA: 1000*(1+T)= 1307.1830
= 1256.183024
T = 22.17%
R = 25.62%
Morgan Stanley U.S. Real Estate
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.852999 0.07480 0.07
2 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 99.85050 985.1569
1.142
FORMULA: 1000*(1+T)= 985.1569
= 934.1569036
T = -5.79%
R = -6.58%
Morgan Stanley Global Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 9.299063 107.53772
1 FEE 10-Nov-99 0.737 9.703759 0.07595 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.38807 1073.8807
1.139
FORMULA: 1000*(1+T)= 1073.8807
= 1022.880665
T = 2.01%
R = 2.29%
Morgan Stanley International Magnum
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.638695 0.06332 0.07
2 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 99.87907 1277.8823
1.142
FORMULA: 1000*(1+T)= 1277.8823
= 1226.882324
T = 19.61%
R = 22.69%
Fidelity Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.044291 198.24392
1 FEE 17-Jun-98 0.737 6.102770 0.12076 0.07
2 FEE 17-Jun-99 0.737 8.193432 0.08995 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 197.95950 1979.5950
2.538
FORMULA: 1000*(1+T)= 1979.5950
= 1928.595008
T = 29.54%
R = 92.86%
Fidelity High Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.256386 108.03352
1 FEE 17-Jun-98 0.737 10.305814 0.07151 0.07
2 FEE 17-Jun-99 0.737 9.953054 0.07405 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.81426 1078.1426
2.538
FORMULA: 1000*(1+T)= 1078.1426
= 1027.142634
T = 1.06%
R = 2.71%
Fidelity Contrafund
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.778258 173.06254
1 FEE 17-Jun-98 0.737 7.107798 0.10369 0.07
2 FEE 17-Jun-99 0.737 8.861757 0.08317 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 172.80198 1728.0198
2.538
FORMULA: 1000*(1+T)= 1728.0198
= 1677.019836
T = 22.59%
R = 67.70%
Fidelity Equity Income
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 8.499165 117.65862
1 FEE 26-Jan-99 0.737 9.421556 0.07822 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 117.50669 1175.0669
1.927
FORMULA: 1000*(1+T)= 1175.0669
= 1124.066922
T = 6.26%
R = 12.41%
MFS Emerging Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 3.962673 252.35491
1 FEE 17-Jun-98 0.737 5.032590 0.14645 0.07
2 FEE 17-Jun-99 0.737 6.282089 0.11732 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 252.01745 2520.1745
2.538
FORMULA: 1000*(1+T)= 2520.1745
= 2469.174498
T = 42.78%
R = 146.92%
MFS Growth and Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.804525 113.57796
1 FEE 10-Nov-99 0.737 9.514452 0.07746 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 113.42680 1134.2680
1.139
FORMULA: 1000*(1+T)= 1134.2680
= 1083.268002
T = 7.27%
R = 8.33%
MFS New Discovery
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 5.148731 194.22262
1 FEE 09-Nov-99 0.737 7.666247 0.09614 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 194.05278 1940.5278
1.142
FORMULA: 1000*(1+T)= 1940.5278
= 1889.527795
T = 74.61%
R = 88.95%
Dreyfus Growth & Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 7.397593 135.17910
1 FEE 17-Jun-98 0.737 8.199992 0.08988 0.07
2 FEE 17-Jun-99 0.737 9.320927 0.07907 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.93646 1349.3646
2.538
FORMULA: 1000*(1+T)= 1349.3646
= 1298.364573
T = 10.84%
R = 29.84%
Dreyfus Money Market
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.234693 108.28730
1 FEE 17-Jun-98 0.737 9.546920 0.07720 0.07
2 FEE 17-Jun-99 0.737 9.830206 0.07497 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 108.06143 1080.6143
2.538
FORMULA: 1000*(1+T)= 1080.6143
= 1029.614324
T = 1.16%
R = 2.96%
Dreyfus Socially Responsible
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.902273 169.42625
1 FEE 17-Jun-98 0.737 7.275757 0.10130 0.07
2 FEE 17-Jun-99 0.737 8.455310 0.08716 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 169.16409 1691.6409
2.538
FORMULA: 1000*(1+T)= 1691.6409
= 1640.640938
T = 21.54%
R = 64.06%
Dreyfus Small Company
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 10.326683 96.83652
1 FEE 17-Jun-98 0.737 11.413717 0.06457 0.07
2 FEE 17-Jun-99 0.737 10.636515 0.06929 0.06
3 FEE 31-Dec-99 0.737 11.602306 0.06352 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 96.63913 1121.2368
2.538
FORMULA: 1000*(1+T)= 1121.2368
= 1070.23679
T = 2.71%
R = 7.02%
Dreyfus Stock Index
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 6.581554 151.93980
1 FEE 26-Jan-99 0.737 8.576092 0.08594 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 151.78016 1517.8016
1.927
FORMULA: 1000*(1+T)= 1517.8016
= 1466.801636
T = 21.99%
R = 46.68%
American Century Balanced
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 8.768032 114.05068
1 FEE 17-Jun-98 0.737 10.229981 0.07204 0.07
2 FEE 17-Jun-99 0.737 10.704156 0.06885 0.06
3 FEE 31-Dec-99 0.737 11.482353 0.06419 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 113.84560 1307.2153
2.538
FORMULA: 1000*(1+T)= 1307.2153
= 1256.215347
T = 9.40%
R = 25.62%
American Century International
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.369845 106.72535
1 FEE 17-Jun-98 0.737 11.515565 0.06400 0.07
2 FEE 17-Jun-99 0.737 11.677073 0.06312 0.06
3 FEE 31-Dec-99 0.737 17.713705 0.04161 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 106.55663 1887.5127
2.538
FORMULA: 1000*(1+T)= 1887.5127
= 1836.512704
T = 27.06%
R = 83.65%
AIM Capital Appreciation
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.239282 108.23352
1 FEE 26-Jan-99 0.737 11.372758 0.06480 0.07
2 FEE 31-Dec-99 0.737 16.212275 0.04546 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 108.12326 1752.9239
1.927
FORMULA: 1000*(1+T)= 1752.9239
= 1701.923947
T = 31.77%
R = 70.19%
AIM Diversified Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 10.246445 97.59482
1 FEE 28-Jan-99 0.737 10.463346 0.07044 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 97.45069 974.5069
1.922
FORMULA: 1000*(1+T)= 974.5069
= 923.5068798
T = -4.06%
R = -7.65%
AIM Growth and Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 6.011491 166.34808
1 FEE 28-Jan-99 0.737 7.862607 0.09373 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 166.18065 1661.8065
1.922
FORMULA: 1000*(1+T)= 1661.8065
= 1610.806475
T = 28.15%
R = 61.08%
AIM Government Securities
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 9.753494 102.52736
1 FEE 28-Jan-99 0.737 10.340155 0.07128 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 102.38239 1023.8239
1.922
FORMULA: 1000*(1+T)= 1023.8239
= 972.8238543
T = -1.42%
R = -2.72%
AIM Growth
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.713546 175.02266
1 FEE 28-Jan-99 0.737 7.877409 0.09356 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 174.85540 1748.5540
1.922
FORMULA: 1000*(1+T)= 1748.5540
= 1697.55398
T = 31.70%
R = 69.76%
AIM International Equity
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.794309 172.58313
1 FEE 28-Jan-99 0.737 6.602231 0.11163 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 172.39780 1723.9780
1.922
FORMULA: 1000*(1+T)= 1723.9780
= 1672.978039
T = 30.70%
R = 67.30%
AIM Global Utilities
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.391125 106.48352
1 FEE 26-Jan-99 0.737 10.828250 0.06806 0.07
2 FEE 31-Dec-99 0.737 14.096367 0.05228 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 106.36317 1499.3343
1.927
FORMULA: 1000*(1+T)= 1499.3343
= 1448.33427
T = 21.19%
R = 44.83%
AIM Value
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.999658 166.67617
1 FEE 28-Jan-99 0.737 8.196307 0.08992 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 166.51255 1665.1255
1.922
FORMULA: 1000*(1+T)= 1665.1255
= 1614.125487
T = 28.29%
R = 61.41%
AIM Balanced
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.922630 126.22071
1 FEE 10-Nov-99 0.737 9.260153 0.07959 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 126.06742 1260.6742
1.139
FORMULA: 1000*(1+T)= 1260.6742
= 1209.674237
T = 18.19%
R = 20.97%
AIM High Yield
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.781632 0.06836 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 99.86594 1120.1941
1.142
FORMULA: 1000*(1+T)= 1120.1941
= 1069.194141
T = 6.04%
R = 6.92%
Goldman Sachs Growth and Income
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.952878 0.07405 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 99.85514 1039.2860
1.142
FORMULA: 1000*(1+T)= 1039.2860
= 988.2860033
T = -1.03%
R = -1.17%
Goldman Sachs CORE U.S. Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.561549 132.24804
1 FEE 10-Nov-99 0.737 9.305641 0.07920 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 132.09514 1320.9514
1.139
FORMULA: 1000*(1+T)= 1320.9514
= 1269.951361
T = 23.35%
R = 27.00%
Goldman Sachs CORE Large Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 13.163346 0.05599 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 99.89512 1505.9218
1.142
FORMULA: 1000*(1+T)= 1505.9218
= 1454.921767
T = 38.88%
R = 45.49%
Goldman Sachs CORE Small Cap Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.194570 122.03203
1 FEE 10-Nov-99 0.737 8.998379 0.08190 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.87642 1218.7642
1.139
FORMULA: 1000*(1+T)= 1218.7642
= 1167.764249
T = 14.59%
R = 16.78%
Goldman Sachs Capital Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.330381 136.41856
1 FEE 10-Nov-99 0.737 9.130985 0.08071 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.26414 1362.6414
1.139
FORMULA: 1000*(1+T)= 1362.6414
= 1311.64143
T = 26.89%
R = 31.16%
Goldman Sachs Mid Cap Equity
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.707233 0.07592 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 99.84896 979.5996
1.142
FORMULA: 1000*(1+T)= 979.5996
= 928.5996357
T = -6.28%
R = -7.14%
Goldman Sachs International Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.217863 138.54516
1 FEE 10-Nov-99 0.737 8.833064 0.08344 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 138.38803 1383.8803
1.139
FORMULA: 1000*(1+T)= 1383.8803
= 1332.880257
T = 28.70%
R = 33.29%
Goldman Sachs Global Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.587362 94.45223
1 FEE 10-Nov-99 0.737 10.066046 0.07322 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 94.30532 943.0532
1.139
FORMULA: 1000*(1+T)= 943.0532
= 892.0531821
T = -9.54%
R = -10.79%
Neuberger & Berman AMT Guardian
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.647547 0.06328 0.07
2 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 99.87643 1220.7569
1.142
FORMULA: 1000*(1+T)= 1220.7569
= 1169.756909
T = 14.72%
R = 16.98%
Neuberger & Berman AMT Mid-Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 14.116259 0.05221 0.07
2 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 99.90765 1834.4289
1.142
FORMULA: 1000*(1+T)= 1834.4289
= 1783.428872
T = 65.99%
R = 78.34%
Neuberger & Berman AMT Partners
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.530193 0.06999 0.07
2 FEE 31-Dec-99 0.737 10.888889 0.06768 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 99.86233 1087.3898
1.142
FORMULA: 1000*(1+T)= 1087.3898
= 1036.389795
T = 3.18%
R = 3.64%
STI Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 99.93043 1058.5883
0.164
FORMULA: 1000*(1+T)= 1058.5883
= 999.0882999
T = -0.55%
R = -0.09%
STI Value Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 99.92206 944.8601
0.164
FORMULA: 1000*(1+T)= 944.8601
= 885.3600999
T = -52.35%
R = -11.46%
Federated Prime Money Fund II
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 99.92672 1004.9729
0.164
FORMULA: 1000*(1+T)= 1004.9729
= 945.4728999
T = -28.92%
R = -5.45%
MFS Research Series
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.677421 115.24161
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 115.16791 1151.6791
0.164
FORMULA: 1000*(1+T)= 1151.6791
= 1092.179138
T = 71.05%
R = 9.22%
Templeton Growth Securities
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Templeton International Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.884565 112.55475
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.48105 1124.8105
0.164
FORMULA: 1000*(1+T)= 1124.8105
= 1065.310508
T = 46.98%
R = 6.53%
Templeton Developing Markets
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.225668 121.57067
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.49697 1214.9697
0.164
FORMULA: 1000*(1+T)= 1214.9697
= 1155.469736
T = 141.01%
R = 15.55%
Franklin Small Cap Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Mutual Shares Securities Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Oppenheimer Main Street Growth & Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.281364 107.74278
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.66908 1076.6908
0.164
FORMULA: 1000*(1+T)= 1076.6908
= 1017.190844
T = 10.93%
R = 1.72%
Oppenheimer Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.257985 121.09492
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.02122 1210.2122
0.164
FORMULA: 1000*(1+T)= 1210.2122
= 1150.71216
T = 135.04%
R = 15.07%
Oppenheimer Aggressive Growth
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.287865 137.21440
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.14070 1371.4070
0.164
FORMULA: 1000*(1+T)= 1371.4070
= 1311.906968
T = 422.08%
R = 31.19%
Oppenheimer Strategic Bond
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.844768 101.57680
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 101.50310 1015.0310
0.164
FORMULA: 1000*(1+T)= 1015.0310
= 955.5309693
T = -24.19%
R = -4.45%
Oppenheimer Global Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.631416 131.03728
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.96358 1309.6358
0.164
FORMULA: 1000*(1+T)= 1309.6358
= 1250.135806
T = 289.25%
R = 25.01%
</TABLE>
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.354020 96.58084
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.50714 965.0714
1.000
FORMULA: 1000*(1+T)= 965.0714
= 905.5714492
T = -9.44% -3.49%
R = -9.44% -3.49%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.303850 136.91409
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 136.84039 1368.4039
1.000
FORMULA: 1000*(1+T)= 1368.4039
= 1308.903932
T = 30.89% 36.84%
R = 30.89% 36.84%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.377953 96.35812
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.28442 962.8442
1.000
FORMULA: 1000*(1+T)= 962.8442
= 903.3441609
T = -9.67% -3.72%
R = -9.67% -3.72%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.482328 117.89216
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.81846 1178.1846
1.000
FORMULA: 1000*(1+T)= 1178.1846
= 1118.684636
T = 11.87% 17.82%
R = 11.87% 17.82%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.782868 102.21951
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.14581 1021.4581
1.000
FORMULA: 1000*(1+T)= 1021.4581
= 961.9581272
T = -3.80% 2.15%
R = -3.80% 2.15%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.411781 134.92034
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 134.84664 1348.4664
1.000
FORMULA: 1000*(1+T)= 1348.4664
= 1288.966383
T = 28.90% 34.85%
R = 28.90% 34.85%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.410251 106.26709
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.19339 1061.9339
1.000
FORMULA: 1000*(1+T)= 1061.9339
= 1002.433911
T = 0.24% 6.19%
R = 0.24% 6.19%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.198191 121.97813
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.90443 1219.0443
1.000
FORMULA: 1000*(1+T)= 1219.0443
= 1159.544291
T = 15.95% 21.90%
R = 15.95% 21.90%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.764324 173.48088
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 173.40718 1734.0718
1.000
FORMULA: 1000*(1+T)= 1734.0718
= 1674.5718
T = 67.46% 73.41%
R = 67.46% 73.41%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.547523 104.73921
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.66551 1046.6551
1.000
FORMULA: 1000*(1+T)= 1046.6551
= 987.1550827
T = -1.28% 4.67%
R = -1.28% 4.67%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.874073 170.23963
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 170.16593 1701.6593
1.000
FORMULA: 1000*(1+T)= 1701.6593
= 1642.159276
T = 64.22% 70.17%
R = 64.22% 70.17%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.624571 115.94780
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.87410 1158.7410
1.000
FORMULA: 1000*(1+T)= 1158.7410
= 1099.240961
T = 9.92% 15.87%
R = 9.92% 15.87%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.724231 102.83590
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.76220 1027.6220
1.000
FORMULA: 1000*(1+T)= 1027.6220
= 968.1219519
T = -3.19% 2.76%
R = -3.19% 2.76%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.830998 127.69764
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.62394 1276.2394
1.000
FORMULA: 1000*(1+T)= 1276.2394
= 1216.739447
T = 21.67% 27.62%
R = 21.67% 27.62%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.580298 104.38089
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.30719 1043.0719
1.000
FORMULA: 1000*(1+T)= 1043.0719
= 983.5718668
T = -1.64% 4.31%
R = -1.64% 4.31%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.446280 118.39532
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.32162 1183.2162
1.000
FORMULA: 1000*(1+T)= 1183.2162
= 1123.716172
T = 12.37% 18.32%
R = 12.37% 18.32%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.382816 96.31298
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.23928 962.3928
1.000
FORMULA: 1000*(1+T)= 962.3928
= 902.8928483
T = -9.71% -3.76%
R = -9.71% -3.76%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.588701 131.77486
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 131.70116 1317.0116
1.000
FORMULA: 1000*(1+T)= 1317.0116
= 1257.511584
T = 25.75% 31.70%
R = 25.75% 31.70%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.324955 96.85272
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.77902 967.7902
1.000
FORMULA: 1000*(1+T)= 967.7902
= 908.2902235
T = -9.17% -3.22%
R = -9.17% -3.22%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.531983 132.76716
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.69346 1326.9346
1.000
FORMULA: 1000*(1+T)= 1326.9346
= 1267.43461
T = 26.74% 32.69%
R = 26.74% 32.69%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.569864 152.21015
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.13645 1521.3645
1.000
FORMULA: 1000*(1+T)= 1521.3645
= 1461.864523
T = 46.19% 52.14%
R = 46.19% 52.14%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.840922 127.53602
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.46232 1274.6232
1.000
FORMULA: 1000*(1+T)= 1274.6232
= 1215.123219
T = 21.51% 27.46%
R = 21.51% 27.46%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.534060 117.17752
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.10382 1171.0382
1.000
FORMULA: 1000*(1+T)= 1171.0382
= 1111.538216
T = 11.15% 17.10%
R = 11.15% 17.10%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.195050 122.02488
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.95118 1219.5118
1.000
FORMULA: 1000*(1+T)= 1219.5118
= 1160.011809
T = 16.00% 21.95%
R = 16.00% 21.95%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.666507 115.38674
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.31304 1153.1304
1.000
FORMULA: 1000*(1+T)= 1153.1304
= 1093.630412
T = 9.36% 15.31%
R = 9.36% 15.31%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.012440 124.80593
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 124.73223 1247.3223
1.000
FORMULA: 1000*(1+T)= 1247.3223
= 1187.822268
T = 18.78% 24.73%
R = 18.78% 24.73%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.725765 129.43702
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 129.36332 1293.6332
1.000
FORMULA: 1000*(1+T)= 1293.6332
= 1234.133201
T = 23.41% 29.36%
R = 23.41% 29.36%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.290982 97.17246
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.09876 970.9876
1.000
FORMULA: 1000*(1+T)= 970.9876
= 911.4875642
T = -8.85% -2.90%
R = -8.85% -2.90%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.211743 121.77683
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.70313 1217.0313
1.000
FORMULA: 1000*(1+T)= 1217.0313
= 1157.531262
T = 15.75% 21.70%
R = 15.75% 21.70%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.415835 118.82362
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.74992 1187.4992
1.000
FORMULA: 1000*(1+T)= 1187.4992
= 1127.999224
T = 12.80% 18.75%
R = 12.80% 18.75%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.266132 120.97557
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 120.90187 1209.0187
1.000
FORMULA: 1000*(1+T)= 1209.0187
= 1149.518663
T = 14.95% 20.90%
R = 14.95% 20.90%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.646081 150.46461
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 150.39091 1503.9091
1.000
FORMULA: 1000*(1+T)= 1503.9091
= 1444.409121
T = 44.44% 50.39%
R = 44.44% 50.39%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.172301 193.33755
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 193.26385 1932.6385
1.000
FORMULA: 1000*(1+T)= 1932.6385
= 1873.138494
T = 87.31% 93.26%
R = 87.31% 93.26%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.982587 111.32650
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.25280 1112.5280
1.000
FORMULA: 1000*(1+T)= 1112.5280
= 1053.028031
T = 5.30% 11.25%
R = 5.30% 11.25%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.369701 119.47858
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.40488 1194.0488
1.000
FORMULA: 1000*(1+T)= 1194.0488
= 1134.548811
T = 13.45% 19.40%
R = 13.45% 19.40%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.191019 139.06235
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 138.98865 1389.8865
1.000
FORMULA: 1000*(1+T)= 1389.8865
= 1330.386499
T = 33.04% 38.99%
R = 33.04% 38.99%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.547947 180.24686
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 180.17316 1801.7316
1.000
FORMULA: 1000*(1+T)= 1801.7316
= 1742.231553
T = 74.22% 80.17%
R = 74.22% 80.17%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.906719 100.94159
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 100.86789 1008.6789
1.000
FORMULA: 1000*(1+T)= 1008.6789
= 949.1789327
T = -5.08% 0.87%
R = -5.08% 0.87%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.427397 155.58398
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 155.51028 1555.1028
1.000
FORMULA: 1000*(1+T)= 1555.1028
= 1495.60279
T = 49.56% 55.51%
R = 49.56% 55.51%
Morgan Stanley Fixed Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.783241 0.07533
4 FEE 31-Dec-98 0.737 10.354020 0.07118
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Equity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 6.238382 0.11814
4 FEE 31-Dec-98 0.737 7.303850 0.10091
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 10.801626 0.06823
4 FEE 31-Dec-98 0.737 10.377953 0.07102
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Mid Cap Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 7.459597 0.09880
4 FEE 31-Dec-98 0.737 8.482328 0.08689
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley U.S. Real Estate
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 11.596911 0.06355
4 FEE 31-Dec-98 0.737 10.174200 0.07244
5 FEE 31-Dec-99 0.737 9.866319 0.07470 0.05
RESULTING VALUE 31-Dec-99 9.866319 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley Global Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.787329 0.08387
4 FEE 31-Dec-98 0.737 9.782868 0.07534
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Morgan Stanley International Magnum
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 9.681648 0.07612
4 FEE 31-Dec-98 0.737 10.383339 0.07098
5 FEE 31-Dec-99 0.737 12.794295 0.05760 0.05
RESULTING VALUE 31-Dec-99 12.794295 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Fidelity Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.988356 334.63215
1 FEE 29-Dec-95 0.737 3.971301 0.18558
2 FEE 31-Dec-96 0.737 4.465144 0.16506
3 FEE 31-Dec-97 0.737 5.412599 0.13616
4 FEE 31-Dec-98 0.737 7.411781 0.09944
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 333.97221 3339.7221
5.000
FORMULA: 1000*(1+T)= 3339.7221
= 3297.222144
T = 26.95% 27.27%
R = 229.72% 233.97%
Fidelity High Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.539158 152.92489
1 FEE 29-Dec-95 0.737 7.749591 0.09510
2 FEE 31-Dec-96 0.737 8.674262 0.08496
3 FEE 31-Dec-97 0.737 10.019698 0.07356
4 FEE 31-Dec-98 0.737 9.410251 0.07832
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 152.51925 1525.1925
5.000
FORMULA: 1000*(1+T)= 1525.1925
= 1482.692475
T = 8.20% 8.81%
R = 48.27% 52.52%
Fidelity Contrafund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.430296 0.16635
2 FEE 31-Dec-96 0.737 5.271481 0.13981
3 FEE 31-Dec-97 0.737 6.424214 0.11472
4 FEE 31-Dec-98 0.737 8.198191 0.08990
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Emerging Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.183944 0.23147
2 FEE 31-Dec-96 0.737 3.657329 0.20151
3 FEE 31-Dec-97 0.737 4.376735 0.16839
4 FEE 31-Dec-98 0.737 5.764324 0.12786
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 5.108141 0.14428
2 FEE 31-Dec-96 0.737 6.240279 0.11810
3 FEE 31-Dec-97 0.737 7.950529 0.09270
4 FEE 31-Dec-98 0.737 9.547523 0.07719
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
MFS New Discovery
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 5.874073 0.12547
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Dreyfus Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.607219 277.22187
1 FEE 29-Dec-95 0.737 5.511965 0.13371
2 FEE 31-Dec-96 0.737 6.794751 0.10847
3 FEE 31-Dec-97 0.737 7.876015 0.09358
4 FEE 31-Dec-98 0.737 8.624571 0.08545
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 276.72697 2767.2697
5.000
FORMULA: 1000*(1+T)= 2767.2697
= 2724.769669
T = 22.20% 22.58%
R = 172.48% 176.73%
Dreyfus Money Market
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.577627 116.58236
1 FEE 29-Dec-95 0.737 8.874828 0.08304
2 FEE 31-Dec-96 0.737 9.180791 0.08028
3 FEE 31-Dec-97 0.737 9.456985 0.07793
4 FEE 31-Dec-98 0.737 9.724231 0.07579
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 116.19162 1161.9162
5.000
FORMULA: 1000*(1+T)= 1161.9162
= 1119.416181
T = 2.28% 3.05%
R = 11.94% 16.19%
Dreyfus Socially Responsible
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.235612 309.06054
1 FEE 29-Dec-95 0.737 4.282065 0.17211
2 FEE 31-Dec-96 0.737 5.092122 0.14473
3 FEE 31-Dec-97 0.737 6.408850 0.11500
4 FEE 31-Dec-98 0.737 7.830998 0.09411
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 308.46089 3084.6089
5.000
FORMULA: 1000*(1+T)= 3084.6089
= 3042.108855
T = 24.92% 25.27%
R = 204.21% 208.46%
Dreyfus Small Company
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 9.608498 0.07670
3 FEE 31-Dec-97 0.737 11.516495 0.06400
4 FEE 31-Dec-98 0.737 10.658101 0.06915
5 FEE 31-Dec-99 0.737 11.602306 0.06352 0.05
RESULTING VALUE 31-Dec-99 11.602306 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
American Century Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.192417 161.48783
1 FEE 29-Dec-95 0.737 7.382332 0.09983
2 FEE 31-Dec-96 0.737 8.161701 0.09030
3 FEE 31-Dec-97 0.737 9.302794 0.07922
4 FEE 31-Dec-98 0.737 10.600203 0.06953
5 FEE 31-Dec-99 0.737 11.482353 0.06419 0.05
RESULTING VALUE 31-Dec-99 11.482353 161.08476 1849.6321
5.000
FORMULA: 1000*(1+T)= 1849.6321
= 1807.132122
T = 12.56% 13.09%
R = 80.71% 84.96%
American Century International
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 6.464081 154.70103
1 FEE 29-Dec-95 0.737 7.139290 0.10323
2 FEE 31-Dec-96 0.737 8.038282 0.09169
3 FEE 31-Dec-97 0.737 9.385834 0.07852
4 FEE 31-Dec-98 0.737 10.970876 0.06718
5 FEE 31-Dec-99 0.737 17.713705 0.04161 0.05
RESULTING VALUE 31-Dec-99 17.713705 154.31881 2733.5578
5.000
FORMULA: 1000*(1+T)= 2733.5578
= 2691.057828
T = 21.89% 22.28%
R = 169.11% 173.36%
Fidelity Equity Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.645362 215.26848
1 FEE 29-Dec-95 0.737 6.196844 0.11893
2 FEE 31-Dec-96 0.737 6.951492 0.10602
3 FEE 31-Dec-97 0.737 8.742318 0.08430
4 FEE 31-Dec-98 0.737 9.580298 0.07693
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 214.80859 2148.0859
5.000
FORMULA: 1000*(1+T)= 2148.0859
= 2105.585931
T = 16.06% 16.52%
R = 110.56% 114.81%
Dreyfus Stock Index
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.179873 314.47797
1 FEE 29-Dec-95 0.737 4.272008 0.17252
2 FEE 31-Dec-96 0.737 5.139727 0.14339
3 FEE 31-Dec-97 0.737 6.710783 0.10982
4 FEE 31-Dec-98 0.737 8.446280 0.08726
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 313.89128 3138.9128
5.000
FORMULA: 1000*(1+T)= 3138.9128
= 3096.412763
T = 25.36% 25.71%
R = 209.64% 213.89%
AIM Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.618493 177.98367
1 FEE 29-Dec-95 0.737 7.503668 0.09822
2 FEE 31-Dec-96 0.737 8.683006 0.08488
3 FEE 31-Dec-97 0.737 9.700204 0.07598
4 FEE 31-Dec-98 0.737 11.390160 0.06470
5 FEE 31-Dec-99 0.737 16.212275 0.04546 0.05
RESULTING VALUE 31-Dec-99 16.212275 177.61443 2879.5340
5.000
FORMULA: 1000*(1+T)= 2879.5340
= 2837.033984
T = 23.19% 23.56%
R = 183.70% 187.95%
AIM Diversified Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.525752 132.87709
1 FEE 29-Dec-95 0.737 8.794448 0.08380
2 FEE 31-Dec-96 0.737 9.508136 0.07751
3 FEE 31-Dec-97 0.737 10.210263 0.07218
4 FEE 31-Dec-98 0.737 10.382816 0.07098
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 132.49891 1324.9891
5.000
FORMULA: 1000*(1+T)= 1324.9891
= 1282.489062
T = 5.10% 5.79%
R = 28.25% 32.50%
AIM Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.169871 315.47025
1 FEE 29-Dec-95 0.737 4.166443 0.17689
2 FEE 31-Dec-96 0.737 4.906288 0.15022
3 FEE 31-Dec-97 0.737 6.052717 0.12176
4 FEE 31-Dec-98 0.737 7.588701 0.09712
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 314.85056 3148.5056
5.000
FORMULA: 1000*(1+T)= 3148.5056
= 3106.005645
T = 25.44% 25.78%
R = 210.60% 214.85%
AIM Government Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.073565 123.86102
1 FEE 29-Dec-95 0.737 9.159942 0.08046
2 FEE 31-Dec-96 0.737 9.195961 0.08014
3 FEE 31-Dec-97 0.737 9.764960 0.07547
4 FEE 31-Dec-98 0.737 10.324955 0.07138
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 123.47986 1234.7986
5.000
FORMULA: 1000*(1+T)= 1234.7986
= 1192.298632
T = 3.58% 4.31%
R = 19.23% 23.48%
AIM Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.994967 333.89350
1 FEE 29-Dec-95 0.737 3.961638 0.18603
2 FEE 31-Dec-96 0.737 4.594727 0.16040
3 FEE 31-Dec-97 0.737 5.720243 0.12884
4 FEE 31-Dec-98 0.737 7.531983 0.09785
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 333.24667 3332.4667
5.000
FORMULA: 1000*(1+T)= 3332.4667
= 3289.966698
T = 26.89% 27.22%
R = 229.00% 233.25%
AIM International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.070333 245.68014
1 FEE 29-Dec-95 0.737 4.684930 0.15731
2 FEE 31-Dec-96 0.737 5.521302 0.13348
3 FEE 31-Dec-97 0.737 5.795623 0.12716
4 FEE 31-Dec-98 0.737 6.569864 0.11218
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 245.07630 2450.7630
5.000
FORMULA: 1000*(1+T)= 2450.7630
= 2408.263048
T = 19.22% 19.64%
R = 140.83% 145.08%
AIM Global Utilities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.678112 176.11488
1 FEE 29-Dec-95 0.737 7.083244 0.10405
2 FEE 31-Dec-96 0.737 7.812330 0.09434
3 FEE 31-Dec-97 0.737 9.352724 0.07880
4 FEE 31-Dec-98 0.737 10.723141 0.06873
5 FEE 31-Dec-99 0.737 14.096367 0.05228 0.05
RESULTING VALUE 31-Dec-99 14.096367 175.71668 2476.9668
5.000
FORMULA: 1000*(1+T)= 2476.9668
= 2434.466778
T = 19.48% 19.89%
R = 143.45% 147.70%
AIM Value
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 3.290077 303.94425
1 FEE 29-Dec-95 0.737 4.399781 0.16751
2 FEE 31-Dec-96 0.737 4.968904 0.14832
3 FEE 31-Dec-97 0.737 6.033850 0.12214
4 FEE 31-Dec-98 0.737 7.840922 0.09399
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 303.33859 3033.3859
5.000
FORMULA: 1000*(1+T)= 3033.3859
= 2990.885851
T = 24.50% 24.85%
R = 199.09% 203.34%
AIM Balanced
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.534060 0.08636
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
AIM High Yield
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.311374 0.07147
5 FEE 31-Dec-99 0.737 11.216979 0.06570 0.05
RESULTING VALUE 31-Dec-99 11.216979 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Growth and Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.939312 0.07415
5 FEE 31-Dec-99 0.737 10.407937 0.07081 0.05
RESULTING VALUE 31-Dec-99 10.407937 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE U.S. Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.195050 0.08993
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Large Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 11.292301 0.06527
5 FEE 31-Dec-99 0.737 15.075028 0.04889 0.05
RESULTING VALUE 31-Dec-99 15.075028 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs CORE Small Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.666507 0.08504
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Capital Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 8.012440 0.09198
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Mid Cap Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 9.977371 0.07387
5 FEE 31-Dec-99 0.737 9.810815 0.07512 0.05
RESULTING VALUE 31-Dec-99 9.810815 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs International Equity
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 7.725765 0.09540
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Goldman Sachs Global Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 #N/A #N/A
4 FEE 31-Dec-98 0.737 10.290982 0.07162
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Guardian
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.337619 0.08839
4 FEE 31-Dec-98 0.737 10.804961 0.06821
5 FEE 31-Dec-99 0.737 12.222673 0.06030 0.05
RESULTING VALUE 31-Dec-99 12.222673 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 #N/A #N/A
3 FEE 31-Dec-97 0.737 8.842773 0.08334
4 FEE 31-Dec-98 0.737 12.122468 0.06080
5 FEE 31-Dec-99 0.737 18.361245 0.04014 0.05
RESULTING VALUE 31-Dec-99 18.361245 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Neuberger & Berman AMT Partners
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.540213 220.25398
1 FEE 29-Dec-95 0.737 6.098667 0.12085
2 FEE 31-Dec-96 0.737 7.776821 0.09477
3 FEE 31-Dec-97 0.737 10.046248 0.07336
4 FEE 31-Dec-98 0.737 10.303974 0.07153
5 FEE 31-Dec-99 0.737 10.888889 0.06768 0.05
RESULTING VALUE 31-Dec-99 10.888889 219.82580 2393.6587
5.000
FORMULA: 1000*(1+T)= 2393.6587
= 2351.15872
T = 18.65% 19.07%
R = 135.12% 139.37%
STI Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.764482 0.15469
2 FEE 31-Dec-96 0.737 5.802582 0.12701
3 FEE 31-Dec-97 0.737 7.798209 0.09451
4 FEE 31-Dec-98 0.737 9.899189 0.07445
5 FEE 31-Dec-99 0.737 10.593253 0.06957 0.05
RESULTING VALUE 31-Dec-99 10.593253 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
STI Value Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 6.294887 0.11708
2 FEE 31-Dec-96 0.737 7.349592 0.10028
3 FEE 31-Dec-97 0.737 9.174018 0.08034
4 FEE 31-Dec-98 0.737 9.904363 0.07441
5 FEE 31-Dec-99 0.737 9.455971 0.07794 0.05
RESULTING VALUE 31-Dec-99 9.455971 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Federated Prime Money Fund II
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 8.584137 116.49395
1 FEE 29-Dec-95 0.737 8.890712 0.08290
2 FEE 31-Dec-96 0.737 9.160105 0.08046
3 FEE 31-Dec-97 0.737 9.460144 0.07791
4 FEE 31-Dec-98 0.737 9.768797 0.07544
5 FEE 31-Dec-99 0.737 10.057099 0.07328 0.05
RESULTING VALUE 31-Dec-99 10.057099 116.10397 1167.6691
5.000
FORMULA: 1000*(1+T)= 1167.6691
= 1125.169103
T = 2.39% 3.15%
R = 12.52% 16.77%
MFS Research Series
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.782396 0.15411
2 FEE 31-Dec-96 0.737 5.742650 0.12834
3 FEE 31-Dec-97 0.737 6.779553 0.10871
4 FEE 31-Dec-98 0.737 8.211743 0.08975
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Templeton Growth Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 5.359081 186.59916
1 FEE 29-Dec-95 0.737 5.930649 0.12427
2 FEE 31-Dec-96 0.737 7.060425 0.10438
3 FEE 31-Dec-97 0.737 7.866831 0.09368
4 FEE 31-Dec-98 0.737 8.415835 0.08757
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 186.11555 1861.1555
5.000
FORMULA: 1000*(1+T)= 1861.1555
= 1818.655457
T = 12.71% 13.23%
R = 81.87% 86.12%
Templeton International Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.993118 200.27566
1 FEE 29-Dec-95 0.737 5.530832 0.13325
2 FEE 31-Dec-96 0.737 6.914019 0.10660
3 FEE 31-Dec-97 0.737 7.719883 0.09547
4 FEE 31-Dec-98 0.737 8.266132 0.08916
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 199.77748 1997.7748
5.000
FORMULA: 1000*(1+T)= 1997.7748
= 1955.274846
T = 14.35% 14.84%
R = 95.53% 99.78%
Templeton Developing Markets
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 12.357053 0.05964
3 FEE 31-Dec-97 0.737 8.573559 0.08596
4 FEE 31-Dec-98 0.737 6.646081 0.11089
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Franklin Small Cap Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 3.643372 0.20229
2 FEE 31-Dec-96 0.737 4.616015 0.15966
3 FEE 31-Dec-97 0.737 5.321027 0.13851
4 FEE 31-Dec-98 0.737 5.172301 0.14249
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Mutual Shares Securities Fund
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 #N/A #N/A
2 FEE 31-Dec-96 0.737 7.910085 0.09317
3 FEE 31-Dec-97 0.737 9.142178 0.08062
4 FEE 31-Dec-98 0.737 8.982587 0.08205
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Main Street Growth & Income
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 #N/A #N/A
1 FEE 29-Dec-95 0.737 4.813858 0.15310
2 FEE 31-Dec-96 0.737 6.261434 0.11770
3 FEE 31-Dec-97 0.737 8.143128 0.09051
4 FEE 31-Dec-98 0.737 8.369701 0.08806
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
5.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.880988 347.10315
1 FEE 29-Dec-95 0.737 3.865145 0.19068
2 FEE 31-Dec-96 0.737 4.750159 0.15515
3 FEE 31-Dec-97 0.737 5.907432 0.12476
4 FEE 31-Dec-98 0.737 7.191019 0.10249
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 346.45637 3464.5637
5.000
FORMULA: 1000*(1+T)= 3464.5637
= 3422.063683
T = 27.90% 28.21%
R = 242.21% 246.46%
Oppenheimer Aggressive Growth
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 2.986706 334.81702
1 FEE 29-Dec-95 0.737 3.885755 0.18967
2 FEE 31-Dec-96 0.737 4.585538 0.16072
3 FEE 31-Dec-97 0.737 5.029831 0.14653
4 FEE 31-Dec-98 0.737 5.547947 0.13284
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 334.11356 3341.1356
5.000
FORMULA: 1000*(1+T)= 3341.1356
= 3298.635615
T = 26.96% 27.29%
R = 229.86% 234.11%
Oppenheimer Strategic Bond
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 7.380026 135.50088
1 FEE 29-Dec-95 0.737 8.355699 0.08820
2 FEE 31-Dec-96 0.737 9.190621 0.08019
3 FEE 31-Dec-97 0.737 9.807626 0.07515
4 FEE 31-Dec-98 0.737 9.906719 0.07439
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 135.10924 1351.0924
5.000
FORMULA: 1000*(1+T)= 1351.0924
= 1308.592443
T = 5.53% 6.20%
R = 30.86% 35.11%
Oppenheimer Global Securities
31-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-94 1000.00 4.113829 243.08254
1 FEE 29-Dec-95 0.737 4.129070 0.17849
2 FEE 31-Dec-96 0.737 4.774449 0.15436
3 FEE 31-Dec-97 0.737 5.738010 0.12844
4 FEE 31-Dec-98 0.737 6.427397 0.11467
5 FEE 31-Dec-99 0.737 10.000000 0.07370 0.05
RESULTING VALUE 31-Dec-99 10.000000 242.43288 2424.3288
5.000
FORMULA: 1000*(1+T)= 2424.3288
= 2381.828783
T = 18.95% 19.38%
R = 138.18% 142.43%
Fidelity Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.956183 511.19962
1 FEE 29-Dec-90 0.737 1.684558 0.43750
2 FEE 29-Dec-91 0.737 2.346939 0.31403
3 FEE 28-Dec-92 0.737 2.568309 0.28696
4 FEE 29-Dec-93 0.737 3.040945 0.24236
5 FEE 29-Dec-94 0.737 3.000909 0.24559
6 FEE 29-Dec-95 0.737 3.971301 0.18558
7 FEE 28-Dec-96 0.737 4.513379 0.16329
8 FEE 29-Dec-97 0.737 5.280366 0.13957
9 FEE 29-Dec-98 0.737 7.387751 0.09976
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 509.01127 5090.1127
10.000
FORMULA: 1000*(1+T)= 5090.1127
= 5090.112696
T = 17.67% 17.67%
R = 409.01% 409.01%
Fidelity High Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 3.754774 266.32761
1 FEE 29-Dec-90 0.737 3.529728 0.20880
2 FEE 29-Dec-91 0.737 4.709791 0.15648
3 FEE 28-Dec-92 0.737 5.709167 0.12909
4 FEE 29-Dec-93 0.737 6.755553 0.10910
5 FEE 29-Dec-94 0.737 6.539489 0.11270
6 FEE 29-Dec-95 0.737 7.749591 0.09510
7 FEE 28-Dec-96 0.737 8.641363 0.08529
8 FEE 29-Dec-97 0.737 10.005955 0.07366
9 FEE 29-Dec-98 0.737 9.370392 0.07865
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 265.20505 2652.0505
10.000
FORMULA: 1000*(1+T)= 2652.0505
= 2652.050499
T = 10.24% 10.24%
R = 165.21% 165.21%
Fidelity Equity Income
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 3.067141 326.03653
1 FEE 29-Dec-90 0.737 2.545317 0.28955
2 FEE 29-Dec-91 0.737 3.221900 0.22875
3 FEE 28-Dec-92 0.737 3.759567 0.19603
4 FEE 29-Dec-93 0.737 4.460352 0.16523
5 FEE 29-Dec-94 0.737 4.648624 0.15854
6 FEE 29-Dec-95 0.737 6.196844 0.11893
7 FEE 28-Dec-96 0.737 7.035555 0.10475
8 FEE 29-Dec-97 0.737 8.581151 0.08589
9 FEE 29-Dec-98 0.737 9.600116 0.07677
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 324.53838 3245.3838
10.000
FORMULA: 1000*(1+T)= 3245.3838
= 3245.383794
T = 12.49% 12.49%
R = 224.54% 224.54%
Dreyfus Stock Index
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.355142 424.60285
1 FEE 29-Dec-90 0.737 2.175235 0.33881
2 FEE 29-Dec-91 0.737 2.558363 0.28807
3 FEE 28-Dec-92 0.737 2.961436 0.24887
4 FEE 29-Dec-93 0.737 3.178447 0.23187
5 FEE 29-Dec-94 0.737 3.139778 0.23473
6 FEE 29-Dec-95 0.737 4.272008 0.17252
7 FEE 28-Dec-96 0.737 5.255313 0.14024
8 FEE 29-Dec-97 0.737 6.609081 0.11151
9 FEE 29-Dec-98 0.737 8.531579 0.08638
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 422.67613 4226.7613
10.000
FORMULA: 1000*(1+T)= 4226.7613
= 4226.761332
T = 15.50% 15.50%
R = 322.68% 322.68%
Templeton Growth Securities
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 #N/A #N/A
1 FEE 29-Dec-90 0.737 #N/A #N/A
2 FEE 29-Dec-91 0.737 #N/A #N/A
3 FEE 28-Dec-92 0.737 #N/A #N/A
4 FEE 29-Dec-93 0.737 #N/A #N/A
5 FEE 29-Dec-94 0.737 5.359625 0.13751
6 FEE 29-Dec-95 0.737 5.930649 0.12427
7 FEE 28-Dec-96 0.737 7.010323 0.10513
8 FEE 29-Dec-97 0.737 7.795821 0.09454
9 FEE 29-Dec-98 0.737 8.410989 0.08762
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 #N/A #N/A
10.000
FORMULA: 1000*(1+T)= #N/A
= #N/A
T = #N/A #N/A
R = #N/A #N/A
Oppenheimer Capital Appreciation
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 2.211432 452.19568
1 FEE 29-Dec-90 0.737 1.984733 0.37133
2 FEE 29-Dec-91 0.737 2.402476 0.30677
3 FEE 28-Dec-92 0.737 2.748049 0.26819
4 FEE 29-Dec-93 0.737 2.910091 0.25326
5 FEE 29-Dec-94 0.737 2.892542 0.25479
6 FEE 29-Dec-95 0.737 3.865145 0.19068
7 FEE 28-Dec-96 0.737 4.798215 0.15360
8 FEE 29-Dec-97 0.737 5.773254 0.12766
9 FEE 29-Dec-98 0.737 7.150561 0.10307
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 450.09264 4500.9264
10.000
FORMULA: 1000*(1+T)= 4500.9264
= 4500.926359
T = 16.23% 16.23%
R = 350.09% 350.09%
Oppenheimer Aggressive Growth
29-Dec-89
TO NO. YEARS10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-89 1000.00 1.874707 533.41669
1 FEE 29-Dec-90 0.737 1.516777 0.48590
2 FEE 29-Dec-91 0.737 2.238167 0.32929
3 FEE 28-Dec-92 0.737 2.577834 0.28590
4 FEE 29-Dec-93 0.737 3.246853 0.22699
5 FEE 29-Dec-94 0.737 2.976498 0.24761
6 FEE 29-Dec-95 0.737 3.885755 0.18967
7 FEE 28-Dec-96 0.737 4.527218 0.16279
8 FEE 29-Dec-97 0.737 4.876820 0.15112
9 FEE 29-Dec-98 0.737 5.448252 0.13527
10 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 531.12845 5311.2845
10.000
FORMULA: 1000*(1+T)= 5311.2845
= 5311.284519
T = 18.17% 18.17%
R = 431.13% 431.13%
Morgan Stanley Fixed Income
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.067209 110.28752
1 FEE 02-Jan-98 0.737 9.829239 0.07498 0.07
2 FEE 02-Jan-99 0.737 10.354020 0.07118 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 110.06766 1100.6766
2.992
FORMULA: 1000*(1+T)= 1100.6766
= 1049.676602
T = 1.63%
R = 4.97%
Morgan Stanley Equity Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.777298 209.32335
1 FEE 02-Jan-98 0.737 6.238382 0.11814 0.07
2 FEE 02-Jan-99 0.737 7.303850 0.10091 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 209.03060 2090.3060
2.992
FORMULA: 1000*(1+T)= 2090.3060
= 2039.306002
T = 26.89%
R = 103.93%
Morgan Stanley Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.095251 109.94749
1 FEE 02-Jan-98 0.737 10.828039 0.06806 0.07
2 FEE 02-Jan-99 0.737 10.377953 0.07102 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 109.73471 1097.3471
2.992
FORMULA: 1000*(1+T)= 1097.3471
= 1046.34708
T = 1.53%
R = 4.63%
Morgan Stanley Mid Cap Value
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.393568 185.40602
1 FEE 02-Jan-98 0.737 7.425239 0.09926 0.07
2 FEE 02-Jan-99 0.737 8.482328 0.08689 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 185.14618 1851.4618
2.992
FORMULA: 1000*(1+T)= 1851.4618
= 1800.461818
T = 21.71%
R = 80.05%
Morgan Stanley U.S. Real Estate
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 9.959228 100.40939
1 FEE 04-Mar-98 0.737 11.321853 0.06510 0.07
2 FEE 04-Mar-99 0.737 9.794307 0.07525 0.06
3 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 100.19435 988.5494
2.825
FORMULA: 1000*(1+T)= 988.5494
= 937.5493937
T = -2.26%
R = -6.25%
Morgan Stanley Global Equity
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.460023 134.04784
1 FEE 02-Jan-98 0.737 8.787329 0.08387 0.07
2 FEE 02-Jan-99 0.737 9.782868 0.07534 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.81494 1338.1494
2.992
FORMULA: 1000*(1+T)= 1338.1494
= 1287.149375
T = 8.80%
R = 28.71%
Morgan Stanley International Magnum
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 9.165652 109.10299
1 FEE 02-Jan-98 0.737 9.718113 0.07584 0.07
2 FEE 02-Jan-99 0.737 10.529467 0.06999 0.06
3 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 108.89955 1393.2930
2.992
FORMULA: 1000*(1+T)= 1393.2930
= 1342.29297
T = 10.34%
R = 34.23%
Fidelity Growth
09-Oct-86
TO NO. YEARS13.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-86 1000.00 1.333008 750.18304
1 FEE 09-Oct-87 0.737 1.669956 0.44133 0.07
2 FEE 09-Oct-88 0.737 1.539751 0.47865 0.06
3 FEE 09-Oct-89 0.737 2.013408 0.36605 0.06
4 09-Oct-90 0.737 1.576696 0.46743 0.05
5 09-Oct-91 0.737 2.138295 0.34467 0.05
6 09-Oct-92 0.737 2.243310 0.32853 0.04
7 09-Oct-93 0.737 3.040374 0.24240 0.03
8 09-Oct-94 0.737 2.866878 0.25707 0
9 09-Oct-95 0.737 3.878396 0.19003 0
10 09-Oct-96 0.737 4.450801 0.16559 0
11 09-Oct-97 0.737 5.605376 0.13148 0
12 09-Oct-98 0.737 5.531975 0.13323 0
13 09-Oct-99 0.737 8.508680 0.08662 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 746.47627 7464.7627
13.227
FORMULA: 1000*(1+T)= 7464.7627
= 7464.762704
T = 16.41%
R = 646.48%
Fidelity High Income
20-Sep-85
TO NO. YEARS14.278
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 20-Sep-85 1000.00 2.997783 333.57985
1 FEE 20-Sep-86 0.737 3.503833 0.21034 0.07
2 FEE 20-Sep-87 0.737 3.721400 0.19804 0.06
3 FEE 20-Sep-88 0.737 3.928895 0.18758 0.06
4 20-Sep-89 0.737 3.978339 0.18525 0.05
5 20-Sep-90 0.737 3.609163 0.20420 0.05
6 20-Sep-91 0.737 4.523749 0.16292 0.04
7 20-Sep-92 0.737 5.695798 0.12939 0.03
8 20-Sep-93 0.737 6.460579 0.11408 0
9 20-Sep-94 0.737 6.664437 0.11059 0
10 20-Sep-95 0.737 7.556259 0.09754 0
11 20-Sep-96 0.737 8.461403 0.08710 0
12 20-Sep-97 0.737 9.857044 0.07477 0
13 20-Sep-98 0.737 9.000493 0.08188 0
14 FEE 20-Sep-99 0.737 9.776542 0.07538 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 331.58707 3315.8707
14.278
FORMULA: 1000*(1+T)= 3315.8707
= 3315.870744
T = 8.76%
R = 231.59%
Fidelity Contrafund
03-Jan-95
TO NO. YEARS 4.991
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Jan-95 1000.00 3.229166 309.67748
1 FEE 03-Jan-96 0.737 4.397055 0.16761 0.07
2 FEE 03-Jan-97 0.737 5.267494 0.13991 0.06
3 FEE 03-Jan-98 0.737 6.413897 0.11491 0.06
4 03-Jan-99 0.737 8.198191 0.08990 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 309.09145 3090.9145
4.991
FORMULA: 1000*(1+T)= 3090.9145
= 3048.414517
T = 25.02%
R = 204.84%
Fidelity Equity Income
23-Oct-86
TO NO. YEARS13.188
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 23-Oct-86 1000.00 2.327782 429.59349
1 FEE 23-Oct-87 0.737 2.257529 0.32646 0.07
2 FEE 23-Oct-88 0.737 2.710186 0.27194 0.06
3 FEE 23-Oct-89 0.737 3.089269 0.23857 0.06
4 23-Oct-90 0.737 2.389512 0.30843 0.05
5 23-Oct-91 0.737 3.165109 0.23285 0.05
6 23-Oct-92 0.737 3.519417 0.20941 0.04
7 23-Oct-93 0.737 4.423704 0.16660 0.03
8 23-Oct-94 0.737 4.759062 0.15486 0
9 23-Oct-95 0.737 5.832277 0.12637 0
10 23-Oct-96 0.737 6.663957 0.11059 0
11 23-Oct-97 0.737 8.577819 0.08592 0
12 23-Oct-98 0.737 8.702361 0.08469 0
13 23-Oct-99 0.737 9.672580 0.07619 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 427.12690 4271.2690
13.188
FORMULA: 1000*(1+T)= 4271.2690
= 4271.269032
T = 11.64%
R = 327.13%
MFS Emerging Growth
24-Jul-95
TO NO. YEARS 4.438
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 24-Jul-95 1000.00 2.733642 365.81235
1 FEE 24-Jul-96 0.737 3.227942 0.22832 0.07
2 FEE 24-Jul-97 0.737 4.335805 0.16998 0.06
3 FEE 24-Jul-98 0.737 5.261770 0.14007 0.06
4 24-Jul-99 0.737 6.353494 0.11600 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 365.08428 3650.8428
4.438
FORMULA: 1000*(1+T)= 3650.8428
= 3608.342835
T = 33.53%
R = 260.83%
MFS Growth and Income
09-Oct-95
TO NO. YEARS 4.227
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Oct-95 1000.00 4.809669 207.91452
1 FEE 09-Oct-96 0.737 5.894084 0.12504 0.07
2 FEE 09-Oct-97 0.737 7.829606 0.09413 0.06
3 FEE 09-Oct-98 0.737 7.871277 0.09363 0.06
4 09-Oct-99 0.737 9.251403 0.07966 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 207.44835 2074.4835
4.227
FORMULA: 1000*(1+T)= 2074.4835
= 2031.983498
T = 18.26%
R = 103.20%
MFS New Discovery
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 5.819123 171.84720
1 FEE 01-May-99 0.737 6.155085 0.11974 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 171.65376 1716.5376
1.667
FORMULA: 1000*(1+T)= 1716.5376
= 1665.537626
T = 35.79%
R = 66.55%
Dreyfus Growth & Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.725476 268.42208
1 FEE 02-May-95 0.737 4.471854 0.16481 0.07
2 FEE 02-May-96 0.737 6.371642 0.11567 0.06
3 FEE 02-May-97 0.737 6.733678 0.10945 0.06
4 02-May-98 0.737 8.842867 0.08334 0.05
5 02-May-99 0.737 9.078930 0.08118 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 267.79393 2677.9393
5.665
FORMULA: 1000*(1+T)= 2677.9393
= 2643.939272
T = 18.72%
R = 164.39%
Dreyfus Money Market
31-Aug-90
TO NO. YEARS 9.333
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Aug-90 1000.00 7.621656 131.20508
1 FEE 31-Aug-91 0.737 7.976943 0.09239 0.07
2 FEE 31-Aug-92 0.737 8.205516 0.08982 0.06
3 FEE 31-Aug-93 0.737 8.333452 0.08844 0.06
4 31-Aug-94 0.737 8.483777 0.08687 0.05
5 31-Aug-95 0.737 8.798151 0.08377 0.05
6 31-Aug-96 0.737 9.084388 0.08113 0.04
7 31-Aug-97 0.737 9.354591 0.07878 0.03
8 31-Aug-98 0.737 9.630758 0.07653 0
9 31-Aug-99 0.737 9.896634 0.07447 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.37919 1303.7919
9.333
FORMULA: 1000*(1+T)= 1303.7919
= 1303.791865
T = 2.88%
R = 30.38%
Dreyfus Socially Responsible
07-Oct-93
TO NO. YEARS 6.231
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 07-Oct-93 1000.00 3.038870 329.06969
1 FEE 07-Oct-94 0.737 3.245950 0.22705 0.07
2 FEE 07-Oct-95 0.737 4.152755 0.17747 0.06
3 FEE 07-Oct-96 0.737 4.875196 0.15117 0.06
4 07-Oct-97 0.737 6.701080 0.10998 0.05
5 07-Oct-98 0.737 6.116108 0.12050 0.05
6 07-Oct-99 0.737 8.652770 0.08518 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 328.12463 3281.2463
6.231
FORMULA: 1000*(1+T)= 3281.2463
= 3255.746301
T = 20.86%
R = 225.57%
Dreyfus Small Company
30-Apr-96
TO NO. YEARS 3.669
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-96 1000.00 8.931576 111.96232
1 FEE 30-Apr-97 0.737 9.264909 0.07955 0.07
2 FEE 30-Apr-98 0.737 12.392045 0.05947 0.06
3 FEE 30-Apr-99 0.737 10.476103 0.07035 0.06
4 31-Dec-99 0.737 11.602306 0.06352 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 111.68943 1295.8549
3.669
FORMULA: 1000*(1+T)= 1295.8549
= 1253.354941
T = 6.35%
R = 25.34%
Dreyfus Stock Index
29-Sep-89
TO NO. YEARS10.253
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 29-Sep-89 1000.00 2.315947 431.78881
1 FEE 29-Sep-90 0.737 2.061367 0.35753 0.07
2 FEE 29-Sep-91 0.737 2.689313 0.27405 0.06
3 FEE 29-Sep-92 0.737 2.837695 0.25972 0.06
4 29-Sep-93 0.737 3.185673 0.23135 0.05
5 29-Sep-94 0.737 3.268793 0.22547 0.05
6 29-Sep-95 0.737 4.054919 0.18175 0.04
7 29-Sep-96 0.737 4.525051 0.16287 0.03
8 29-Sep-97 0.737 6.427552 0.11466 0
9 29-Sep-98 0.737 7.220491 0.10207 0
10 29-Sep-99 0.737 8.653856 0.08516 0
11 31-Dec-99 0.737 10.000000 0.07370 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 429.72048 4297.2048
10.253
FORMULA: 1000*(1+T)= 4297.2048
= 4297.204779
T = 15.28%
R = 329.72%
American Century Balanced
01-May-91
TO NO. YEARS 8.668
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-91 1000.00 5.136210 194.69609
1 FEE 01-May-92 0.737 5.776160 0.12759 0.07
2 FEE 01-May-93 0.737 5.828648 0.12644 0.06
3 FEE 01-May-94 0.737 6.218502 0.11852 0.06
4 01-May-95 0.737 6.518490 0.11306 0.05
5 01-May-96 0.737 7.546020 0.09767 0.05
6 01-May-97 0.737 8.169798 0.09021 0.04
7 01-May-98 0.737 10.083957 0.07309 0.03
8 01-May-99 0.737 10.786170 0.06833 0
9 31-Dec-99 0.737 11.482353 0.06419 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 193.81699 2225.4751
8.668
FORMULA: 1000*(1+T)= 2225.4751
= 2225.475133
T = 9.67%
R = 122.55%
American Century International
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 6.876426 145.42438
1 FEE 02-May-95 0.737 6.578415 0.11203 0.07
2 FEE 02-May-96 0.737 7.540259 0.09774 0.06
3 FEE 02-May-97 0.737 8.639725 0.08530 0.06
4 02-May-98 0.737 11.320883 0.06510 0.05
5 02-May-99 0.737 11.543972 0.06384 0.05
6 31-Dec-99 0.737 17.713705 0.04161 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 144.95875 2567.7566
5.665
FORMULA: 1000*(1+T)= 2567.7566
= 2533.756589
T = 17.84%
R = 153.38%
AIM Capital Appreciation
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 4.709692 212.32811
1 FEE 05-May-94 0.737 5.543622 0.13295 0.07
2 FEE 05-May-95 0.737 6.169436 0.11946 0.06
3 FEE 05-May-96 0.737 8.333030 0.08844 0.06
4 05-May-97 0.737 8.720256 0.08452 0.05
5 05-May-98 0.737 10.987151 0.06708 0.05
6 05-May-99 0.737 11.688021 0.06306 0.04
7 31-Dec-99 0.737 16.212275 0.04546 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 211.72715 3432.5788
6.656
FORMULA: 1000*(1+T)= 3432.5788
= 3407.078804
T = 20.22%
R = 240.71%
AIM Diversified Income
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 7.707955 129.73610
1 FEE 05-May-94 0.737 7.659669 0.09622 0.07
2 FEE 05-May-95 0.737 8.152484 0.09040 0.06
3 FEE 05-May-96 0.737 8.671910 0.08499 0.06
4 05-May-97 0.737 9.482046 0.07773 0.05
5 05-May-98 0.737 10.509923 0.07012 0.05
6 05-May-99 0.737 10.377442 0.07102 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 129.17192 1291.7192
6.656
FORMULA: 1000*(1+T)= 1291.7192
= 1266.219206
T = 3.61%
R = 26.62%
AIM Growth and Income
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 3.209456 311.57928
1 FEE 02-May-95 0.737 3.529048 0.20884 0.07
2 FEE 02-May-96 0.737 4.385979 0.16804 0.06
3 FEE 02-May-97 0.737 5.186641 0.14210 0.06
4 02-May-98 0.737 6.780236 0.10870 0.05
5 02-May-99 0.737 8.277800 0.08903 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 310.78888 3107.8888
5.665
FORMULA: 1000*(1+T)= 3107.8888
= 3073.888821
T = 21.93%
R = 207.39%
AIM Government Securities
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 8.351178 119.74359
1 FEE 05-May-94 0.737 8.147864 0.09045 0.07
2 FEE 05-May-95 0.737 8.580643 0.08589 0.06
3 FEE 05-May-96 0.737 8.788245 0.08386 0.06
4 05-May-97 0.737 9.241850 0.07975 0.05
5 05-May-98 0.737 9.889623 0.07452 0.05
6 05-May-99 0.737 10.197161 0.07228 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 119.18314 1191.8314
6.656
FORMULA: 1000*(1+T)= 1191.8314
= 1166.331361
T = 2.34%
R = 16.63%
AIM Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.861612 349.45339
1 FEE 05-May-94 0.737 2.993370 0.24621 0.07
2 FEE 05-May-95 0.737 3.331423 0.22123 0.06
3 FEE 05-May-96 0.737 4.188075 0.17598 0.06
4 05-May-97 0.737 4.908471 0.15015 0.05
5 05-May-98 0.737 6.580738 0.11199 0.05
6 05-May-99 0.737 8.020842 0.09189 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 348.38224 3483.8224
6.656
FORMULA: 1000*(1+T)= 3483.8224
= 3458.322438
T = 20.49%
R = 245.83%
AIM International Equity
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.587824 278.72047
1 FEE 05-May-94 0.737 4.141967 0.17793 0.07
2 FEE 05-May-95 0.737 4.262987 0.17288 0.06
3 FEE 05-May-96 0.737 5.083679 0.14497 0.06
4 05-May-97 0.737 5.590538 0.13183 0.05
5 05-May-98 0.737 6.814014 0.10816 0.05
6 05-May-99 0.737 6.658906 0.11068 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 277.80031 2778.0031
6.656
FORMULA: 1000*(1+T)= 2778.0031
= 2752.503121
T = 16.43%
R = 175.25%
AIM Global Utilities
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 5.911053 169.17460
1 FEE 02-May-95 0.737 5.986780 0.12310 0.07
2 FEE 02-May-96 0.737 7.026721 0.10489 0.06
3 FEE 02-May-97 0.737 7.882383 0.09350 0.06
4 02-May-98 0.737 10.236401 0.07200 0.05
5 02-May-99 0.737 10.999097 0.06701 0.05
6 31-Dec-99 0.737 14.096367 0.05228 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 168.66182 2377.5189
5.665
FORMULA: 1000*(1+T)= 2377.5189
= 2343.518906
T = 16.22%
R = 134.35%
AIM Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.839995 352.11330
1 FEE 05-May-94 0.737 3.284945 0.22436 0.07
2 FEE 05-May-95 0.737 3.697672 0.19931 0.06
3 FEE 05-May-96 0.737 4.434922 0.16618 0.06
4 05-May-97 0.737 5.312668 0.13873 0.05
5 05-May-98 0.737 6.805178 0.10830 0.05
6 05-May-99 0.737 8.515550 0.08655 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 351.11617 3511.1617
6.656
FORMULA: 1000*(1+T)= 3511.1617
= 3485.661709
T = 20.64%
R = 248.57%
AIM Balanced
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 7.647922 130.75447
1 FEE 01-May-99 0.737 8.876805 0.08303 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.59775 1305.9775
1.667
FORMULA: 1000*(1+T)= 1305.9775
= 1254.977462
T = 14.59%
R = 25.50%
AIM High Yield
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 11.290974 88.56632
1 FEE 01-May-99 0.737 11.023511 0.06686 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 88.43376 991.9596
1.667
FORMULA: 1000*(1+T)= 991.9596
= 940.9596004
T = -3.58%
R = -5.90%
Goldman Sachs Growth and Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 9.658724 103.53334
1 FEE 12-Jan-99 0.737 10.190802 0.07232 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 103.39021 1076.0788
1.966
FORMULA: 1000*(1+T)= 1076.0788
= 1025.078824
T = 1.27%
R = 2.51%
Goldman Sachs CORE U.S. Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 7.301001 136.96752
1 FEE 13-Feb-99 0.737 8.284653 0.08896 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.80486 1368.0486
1.878
FORMULA: 1000*(1+T)= 1368.0486
= 1317.048603
T = 15.79%
R = 31.70%
Goldman Sachs CORE Large Cap Growth
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.813933 101.89595
1 FEE 13-Feb-99 0.737 11.309785 0.06516 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 101.78189 1534.3649
1.878
FORMULA: 1000*(1+T)= 1534.3649
= 1483.364898
T = 23.36%
R = 48.34%
Goldman Sachs CORE Small Cap Equity
13-Feb-98
TO NO. YEARS 1.878
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 13-Feb-98 1000.00 9.753949 102.52258
1 FEE 13-Feb-99 0.737 8.016270 0.09194 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 102.35694 1023.5694
1.878
FORMULA: 1000*(1+T)= 1023.5694
= 972.5694026
T = -1.47%
R = -2.74%
Goldman Sachs Capital Growth
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 7.172867 139.41427
1 FEE 30-Apr-99 0.737 8.710380 0.08461 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 139.25596 1392.5596
1.670
FORMULA: 1000*(1+T)= 1392.5596
= 1341.55956
T = 19.24%
R = 34.16%
Goldman Sachs Mid Cap Equity
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 11.767255 84.98159
1 FEE 30-Apr-99 0.737 10.840596 0.06799 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 84.83848 832.3346
1.670
FORMULA: 1000*(1+T)= 832.3346
= 781.3346344
T = -13.74%
R = -21.87%
Goldman Sachs International Equity
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 6.603802 151.42792
1 FEE 12-Jan-99 0.737 7.785910 0.09466 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 151.25956 1512.5956
1.966
FORMULA: 1000*(1+T)= 1512.5956
= 1461.595617
T = 21.30%
R = 46.16%
Goldman Sachs Global Income
12-Jan-98
TO NO. YEARS 1.966
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Jan-98 1000.00 10.151876 98.50396
1 FEE 12-Jan-99 0.737 10.314620 0.07145 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 98.35881 983.5881
1.966
FORMULA: 1000*(1+T)= 983.5881
= 932.5880925
T = -3.49%
R = -6.74%
Neuberger & Berman AMT Guardian
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.945475 125.85780
1 FEE 03-Nov-98 0.737 9.697367 0.07600 0.07
2 FEE 03-Nov-99 0.737 11.573280 0.06368 0.06
3 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 125.65782 1535.8745
2.157
FORMULA: 1000*(1+T)= 1535.8745
= 1484.874451
T = 20.11%
R = 48.49%
Neuberger & Berman AMT Mid-Cap Growth
03-Nov-97
TO NO. YEARS 2.157
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Nov-97 1000.00 7.563989 132.20537
1 FEE 03-Nov-98 0.737 9.650452 0.07637 0.07
2 FEE 03-Nov-99 0.737 13.672999 0.05390 0.06
3 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 132.03496 2424.3263
2.157
FORMULA: 1000*(1+T)= 2424.3263
= 2373.326331
T = 49.27%
R = 137.33%
Neuberger & Berman AMT Partners
22-Mar-94
TO NO. YEARS 5.777
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 22-Mar-94 1000.00 4.704773 212.55011
1 FEE 22-Mar-95 0.737 4.834648 0.15244 0.07
2 FEE 22-Mar-96 0.737 6.597729 0.11171 0.06
3 FEE 22-Mar-97 0.737 8.058264 0.09146 0.06
4 22-Mar-98 0.737 11.138676 0.06617 0.05
5 22-Mar-99 0.737 10.592220 0.06958 0.05
6 31-Dec-99 0.737 10.888889 0.06768 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 211.99107 2308.3472
5.777
FORMULA: 1000*(1+T)= 2308.3472
= 2274.34725
T = 15.29%
R = 127.43%
STI Capital Appreciation
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 4.471759 223.62566
1 FEE 02-Oct-96 0.737 5.506528 0.13384 0.07
2 FEE 02-Oct-97 0.737 7.581197 0.09721 0.06
3 FEE 02-Oct-98 0.737 7.890025 0.09341 0.06
4 02-Oct-99 0.737 9.740881 0.07566 0.05
5 31-Dec-99 0.737 10.593253 0.06957 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 223.15596 2363.9475
4.246
FORMULA: 1000*(1+T)= 2363.9475
= 2321.447523
T = 21.94%
R = 132.14%
STI Value Income
02-Oct-95
TO NO. YEARS 4.246
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 02-Oct-95 1000.00 5.888812 169.81355
1 FEE 02-Oct-96 0.737 7.013256 0.10509 0.07
2 FEE 02-Oct-97 0.737 9.265567 0.07954 0.06
3 FEE 02-Oct-98 0.737 8.802561 0.08373 0.06
4 02-Oct-99 0.737 9.742285 0.07565 0.05
5 31-Dec-99 0.737 9.455971 0.07794 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 169.39160 1601.7621
4.246
FORMULA: 1000*(1+T)= 1601.7621
= 1559.262104
T = 11.03%
R = 55.93%
Federated Prime Money Fund II
21-Nov-94
TO NO. YEARS 5.109
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 21-Nov-94 1000.00 8.557007 116.86329
1 FEE 21-Nov-95 0.737 8.855477 0.08323 0.07
2 FEE 21-Nov-96 0.737 9.132512 0.08070 0.06
3 FEE 21-Nov-97 0.737 9.427165 0.07818 0.06
4 21-Nov-98 0.737 9.739616 0.07567 0.05
5 21-Nov-99 0.737 10.019285 0.07356 0.05
6 31-Dec-99 0.737 10.057099 0.07328 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 116.39867 1170.6330
5.109
FORMULA: 1000*(1+T)= 1170.6330
= 1136.632987
T = 2.54%
R = 13.66%
MFS Research Series
26-Jul-95
TO NO. YEARS 4.433
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jul-95 1000.00 4.357404 229.49444
1 FEE 26-Jul-96 0.737 5.027374 0.14660 0.07
2 FEE 26-Jul-97 0.737 6.851694 0.10756 0.06
3 FEE 26-Jul-98 0.737 7.974373 0.09242 0.06
4 26-Jul-99 0.737 8.655093 0.08515 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 228.98901 2289.8901
4.433
FORMULA: 1000*(1+T)= 2289.8901
= 2247.390068
T = 20.04%
R = 124.74%
Templeton Growth Securities
15-Mar-94
TO NO. YEARS 5.796
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Mar-94 1000.00 5.272642 189.65824
1 FEE 15-Mar-95 0.737 5.303356 0.13897 0.07
2 FEE 15-Mar-96 0.737 6.174097 0.11937 0.06
3 FEE 15-Mar-97 0.737 7.334735 0.10048 0.06
4 15-Mar-98 0.737 8.670210 0.08500 0.05
5 15-Mar-99 0.737 8.350266 0.08826 0.05
6 31-Dec-99 0.737 10.000000 0.07370 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 189.05246 1890.5246
5.796
FORMULA: 1000*(1+T)= 1890.5246
= 1856.524561
T = 11.27%
R = 85.65%
Templeton International Securities
01-May-92
TO NO. YEARS 7.666
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-92 1000.00 3.877512 257.89733
1 FEE 01-May-93 0.737 3.947749 0.18669 0.07
2 FEE 01-May-94 0.737 5.032582 0.14645 0.06
3 FEE 01-May-95 0.737 5.134742 0.14353 0.06
4 01-May-96 0.737 6.123984 0.12035 0.05
5 01-May-97 0.737 7.140310 0.10322 0.05
6 01-May-98 0.737 9.083712 0.08113 0.04
7 01-May-99 0.737 8.962340 0.08223 0.03
8 31-Dec-99 0.737 10.000000 0.07370 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 256.96004 2569.6004
7.666
FORMULA: 1000*(1+T)= 2569.6004
= 2569.600351
T = 13.10%
R = 156.96%
Templeton Developing Markets
04-Mar-96
TO NO. YEARS 3.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-96 1000.00 13.307010 75.14836
1 FEE 04-Mar-97 0.737 13.523005 0.05450 0.07
2 FEE 04-Mar-98 0.737 8.884027 0.08296 0.06
3 FEE 04-Mar-99 0.737 6.257706 0.11777 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 74.81943 748.1943
3.825
FORMULA: 1000*(1+T)= 748.1943
= 705.6942924
T = -8.71%
R = -29.43%
Franklin Small Cap Fund
01-Nov-95
TO NO. YEARS 4.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-95 1000.00 3.571939 279.95999
1 FEE 01-Nov-96 0.737 4.349415 0.16945 0.07
2 FEE 01-Nov-97 0.737 5.542932 0.13296 0.06
3 FEE 01-Nov-98 0.737 4.443089 0.16588 0.06
4 01-Nov-99 0.737 7.043965 0.10463 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 279.31337 2793.1337
4.164
FORMULA: 1000*(1+T)= 2793.1337
= 2750.633737
T = 27.50%
R = 175.06%
Mutual Shares Securities Fund
08-Nov-96
TO NO. YEARS 3.143
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 08-Nov-96 1000.00 7.663084 130.49576
1 FEE 08-Nov-97 0.737 8.971083 0.08215 0.07
2 FEE 08-Nov-98 0.737 8.803406 0.08372 0.06
3 FEE 08-Nov-99 0.737 9.708570 0.07591 0.06
4 31-Dec-99 0.737 10.000000 0.07370 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.18028 1301.8028
3.143
FORMULA: 1000*(1+T)= 1301.8028
= 1259.302811
T = 7.61%
R = 25.93%
Oppenheimer Main Street Growth & Income
05-Jul-95
TO NO. YEARS 4.490
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 05-Jul-95 1000.00 3.877850 257.87485
1 FEE 05-Jul-96 0.737 5.534391 0.13317 0.07
2 FEE 05-Jul-97 0.737 7.230875 0.10192 0.06
3 FEE 05-Jul-98 0.737 9.164982 0.08041 0.06
4 05-Jul-99 0.737 9.592762 0.07683 0.05
5 31-Dec-99 0.737 10.000000 0.07370 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 257.40882 2574.0882
4.490
FORMULA: 1000*(1+T)= 2574.0882
= 2531.588184
T = 22.98%
R = 153.16%
Oppenheimer Capital Appreciation
03-Apr-85
TO NO. YEARS14.743
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-Apr-85 1000.00 1.200953 832.67205
1 FEE 03-Apr-86 0.737 1.418274 0.51965 0.07
2 FEE 03-Apr-87 0.737 1.794781 0.41064 0.06
3 FEE 03-Apr-88 0.737 1.660853 0.44375 0.06
4 03-Apr-89 0.737 2.003749 0.36781 0.05
5 03-Apr-90 0.737 2.124740 0.34687 0.05
6 03-Apr-91 0.737 2.164537 0.34049 0.04
7 03-Apr-92 0.737 2.401124 0.30694 0.03
8 03-Apr-93 0.737 2.708890 0.27207 0
9 03-Apr-94 0.737 2.820489 0.26130 0
10 03-Apr-95 0.737 3.131352 0.23536 0
11 03-Apr-96 0.737 4.156459 0.17731 0
12 03-Apr-97 0.737 4.689540 0.15716 0
13 03-Apr-98 0.737 6.728149 0.10954 0
14 FEE 03-Apr-99 0.737 7.657695 0.09624 0
15 FEE 31-Dec-99 0.737 10.000000 0.07370 0
RESULTING VALUE 31-Dec-99 10.000000 828.55323 8285.5323
14.743
FORMULA: 1000*(1+T)= 8285.5323
= 8285.532329
T = 15.42%
R = 728.55%
Oppenheimer Aggressive Growth
15-Aug-86
TO NO. YEARS13.377
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 15-Aug-86 1000.00 1.226537 815.30357
1 FEE 15-Aug-87 0.737 1.576748 0.46742 0.07
2 FEE 15-Aug-88 0.737 1.415841 0.52054 0.06
3 FEE 15-Aug-89 0.737 1.896940 0.38852 0.06
4 15-Aug-90 0.737 1.697113 0.43427 0.05
5 15-Aug-91 0.737 1.957244 0.37655 0.05
6 15-Aug-92 0.737 2.121894 0.34733 0.04
7 15-Aug-93 0.737 2.861969 0.25752 0.03
8 15-Aug-94 0.737 2.851047 0.25850 0
9 15-Aug-95 0.737 3.553500 0.20740 0
10 15-Aug-96 0.737 4.331336 0.17016 0
11 15-Aug-97 0.737 4.957532 0.14866 0
12 15-Aug-98 0.737 5.026288 0.14663 0
13 15-Aug-99 0.737 6.621781 0.11130 0
14 FEE 31-Dec-99 0.737 10.000000 0.07370 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 811.39508 8113.9508
13.377
FORMULA: 1000*(1+T)= 8113.9508
= 8113.950849
T = 16.94%
R = 711.40%
Oppenheimer Strategic Bond
03-May-93
TO NO. YEARS 6.661
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 03-May-93 1000.00 7.586311 131.81637
1 FEE 03-May-94 0.737 7.431468 0.09917 0.07
2 FEE 03-May-95 0.737 7.690144 0.09584 0.06
3 FEE 03-May-96 0.737 8.454239 0.08718 0.06
4 03-May-97 0.737 9.239590 0.07977 0.05
5 03-May-98 0.737 10.049587 0.07334 0.05
6 03-May-99 0.737 10.062318 0.07324 0.04
7 31-Dec-99 0.737 10.000000 0.07370 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.23414 1312.3414
6.661
FORMULA: 1000*(1+T)= 1312.3414
= 1286.841425
T = 3.86%
R = 28.68%
Oppenheimer Global Securities
12-Nov-90
TO NO. YEARS 9.133
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 12-Nov-90 1000.00 2.868039 348.67029
1 FEE 12-Nov-91 0.737 2.990000 0.24649 0.07
2 FEE 12-Nov-92 0.737 2.656551 0.27743 0.06
3 FEE 12-Nov-93 0.737 3.961070 0.18606 0.06
4 12-Nov-94 0.737 4.389180 0.16791 0.05
5 12-Nov-95 0.737 4.084146 0.18045 0.05
6 12-Nov-96 0.737 4.648132 0.15856 0.04
7 12-Nov-97 0.737 5.561133 0.13253 0.03
8 12-Nov-98 0.737 5.771839 0.12769 0
9 12-Nov-99 0.737 8.314432 0.08864 0
10 31-Dec-99 0.737 10.000000 0.07370 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 347.03083 3470.3083
9.133
FORMULA: 1000*(1+T)= 3470.3083
= 3470.308348
T = 14.59%
R = 247.03%
</TABLE>
<TABLE>
<CAPTION>
1yr ago: 12/31/98
Date: 12/31/99
Morgan Stanley Fixed Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
<S> <C> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.354020 96.58084
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.50714 965.0714
1.000
FORMULA: 1000*(1+T)= 965.0714
= 905.5714492
T = -9.44% -3.49%
R = -9.44% -3.49%
Morgan Stanley Equity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.303850 136.91409
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 136.84039 1368.4039
1.000
FORMULA: 1000*(1+T)= 1368.4039
= 1308.903932
T = 30.89% 36.84%
R = 30.89% 36.84%
Morgan Stanley Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.377953 96.35812
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.28442 962.8442
1.000
FORMULA: 1000*(1+T)= 962.8442
= 903.3441609
T = -9.67% -3.72%
R = -9.67% -3.72%
Morgan Stanley Mid Cap Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.482328 117.89216
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.81846 1178.1846
1.000
FORMULA: 1000*(1+T)= 1178.1846
= 1118.684636
T = 11.87% 17.82%
R = 11.87% 17.82%
Morgan Stanley U.S. Real Estate
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.174200 98.28783
1 FEE 31-Dec-99 0.737 9.866319 0.07470 0.07
RESULTING VALUE 31-Dec-99 9.866319 98.21313 969.0020
1.000
FORMULA: 1000*(1+T)= 969.0020
= 909.5020458
T = -9.05% -3.10%
R = -9.05% -3.10%
Morgan Stanley Global Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.782868 102.21951
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.14581 1021.4581
1.000
FORMULA: 1000*(1+T)= 1021.4581
= 961.9581272
T = -3.80% 2.15%
R = -3.80% 2.15%
Morgan Stanley International Magnum
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.383339 96.30813
1 FEE 31-Dec-99 0.737 12.794295 0.05760 0.07
RESULTING VALUE 31-Dec-99 12.794295 96.25053 1231.4577
1.000
FORMULA: 1000*(1+T)= 1231.4577
= 1171.957673
T = 17.20% 23.15%
R = 17.20% 23.15%
Fidelity Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.411781 134.92034
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 134.84664 1348.4664
1.000
FORMULA: 1000*(1+T)= 1348.4664
= 1288.966383
T = 28.90% 34.85%
R = 28.90% 34.85%
Fidelity High Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.410251 106.26709
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 106.19339 1061.9339
1.000
FORMULA: 1000*(1+T)= 1061.9339
= 1002.433911
T = 0.24% 6.19%
R = 0.24% 6.19%
Fidelity Contrafund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.198191 121.97813
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.90443 1219.0443
1.000
FORMULA: 1000*(1+T)= 1219.0443
= 1159.544291
T = 15.95% 21.90%
R = 15.95% 21.90%
MFS Emerging Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.764324 173.48088
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 173.40718 1734.0718
1.000
FORMULA: 1000*(1+T)= 1734.0718
= 1674.5718
T = 67.46% 73.41%
R = 67.46% 73.41%
MFS Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.547523 104.73921
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.66551 1046.6551
1.000
FORMULA: 1000*(1+T)= 1046.6551
= 987.1550827
T = -1.28% 4.67%
R = -1.28% 4.67%
MFS New Discovery
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.874073 170.23963
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 170.16593 1701.6593
1.000
FORMULA: 1000*(1+T)= 1701.6593
= 1642.159276
T = 64.22% 70.17%
R = 64.22% 70.17%
Dreyfus Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.624571 115.94780
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.87410 1158.7410
1.000
FORMULA: 1000*(1+T)= 1158.7410
= 1099.240961
T = 9.92% 15.87%
R = 9.92% 15.87%
Dreyfus Money Market
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.724231 102.83590
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 102.76220 1027.6220
1.000
FORMULA: 1000*(1+T)= 1027.6220
= 968.1219519
T = -3.19% 2.76%
R = -3.19% 2.76%
Dreyfus Socially Responsible
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.830998 127.69764
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.62394 1276.2394
1.000
FORMULA: 1000*(1+T)= 1276.2394
= 1216.739447
T = 21.67% 27.62%
R = 21.67% 27.62%
Dreyfus Small Company
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.658101 93.82534
1 FEE 31-Dec-99 0.737 11.602306 0.06352 0.07
RESULTING VALUE 31-Dec-99 11.602306 93.76182 1087.8534
1.000
FORMULA: 1000*(1+T)= 1087.8534
= 1028.35336
T = 2.84% 8.79%
R = 2.84% 8.79%
American Century Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.600203 94.33782
1 FEE 31-Dec-99 0.737 11.482353 0.06419 0.07
RESULTING VALUE 31-Dec-99 11.482353 94.27363 1082.4831
1.000
FORMULA: 1000*(1+T)= 1082.4831
= 1022.983104
T = 2.30% 8.25%
R = 2.30% 8.25%
American Century International
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.970876 91.15042
1 FEE 31-Dec-99 0.737 17.713705 0.04161 0.07
RESULTING VALUE 31-Dec-99 17.713705 91.10882 1613.8747
1.000
FORMULA: 1000*(1+T)= 1613.8747
= 1554.374723
T = 55.44% 61.39%
R = 55.44% 61.39%
Fidelity Equity Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.580298 104.38089
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 104.30719 1043.0719
1.000
FORMULA: 1000*(1+T)= 1043.0719
= 983.5718668
T = -1.64% 4.31%
R = -1.64% 4.31%
Dreyfus Stock Index
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.446280 118.39532
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.32162 1183.2162
1.000
FORMULA: 1000*(1+T)= 1183.2162
= 1123.716172
T = 12.37% 18.32%
R = 12.37% 18.32%
AIM Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.390160 87.79508
1 FEE 31-Dec-99 0.737 16.212275 0.04546 0.07
RESULTING VALUE 31-Dec-99 16.212275 87.74962 1422.6210
1.000
FORMULA: 1000*(1+T)= 1422.6210
= 1363.120969
T = 36.31% 42.26%
R = 36.31% 42.26%
AIM Diversified Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.382816 96.31298
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.23928 962.3928
1.000
FORMULA: 1000*(1+T)= 962.3928
= 902.8928483
T = -9.71% -3.76%
R = -9.71% -3.76%
AIM Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.588701 131.77486
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 131.70116 1317.0116
1.000
FORMULA: 1000*(1+T)= 1317.0116
= 1257.511584
T = 25.75% 31.70%
R = 25.75% 31.70%
AIM Government Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.324955 96.85272
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 96.77902 967.7902
1.000
FORMULA: 1000*(1+T)= 967.7902
= 908.2902235
T = -9.17% -3.22%
R = -9.17% -3.22%
AIM Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.531983 132.76716
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 132.69346 1326.9346
1.000
FORMULA: 1000*(1+T)= 1326.9346
= 1267.43461
T = 26.74% 32.69%
R = 26.74% 32.69%
AIM International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.569864 152.21015
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 152.13645 1521.3645
1.000
FORMULA: 1000*(1+T)= 1521.3645
= 1461.864523
T = 46.19% 52.14%
R = 46.19% 52.14%
AIM Global Utilities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.723141 93.25626
1 FEE 31-Dec-99 0.737 14.096367 0.05228 0.07
RESULTING VALUE 31-Dec-99 14.096367 93.20397 1313.8374
1.000
FORMULA: 1000*(1+T)= 1313.8374
= 1254.337433
T = 25.43% 31.38%
R = 25.43% 31.38%
AIM Value
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.840922 127.53602
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 127.46232 1274.6232
1.000
FORMULA: 1000*(1+T)= 1274.6232
= 1215.123219
T = 21.51% 27.46%
R = 21.51% 27.46%
AIM Balanced
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.534060 117.17752
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 117.10382 1171.0382
1.000
FORMULA: 1000*(1+T)= 1171.0382
= 1111.538216
T = 11.15% 17.10%
R = 11.15% 17.10%
AIM High Yield
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.311374 96.98029
1 FEE 31-Dec-99 0.737 11.216979 0.06570 0.07
RESULTING VALUE 31-Dec-99 11.216979 96.91458 1087.0888
1.000
FORMULA: 1000*(1+T)= 1087.0888
= 1027.588832
T = 2.76% 8.71%
R = 2.76% 8.71%
Goldman Sachs Growth and Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.939312 100.61059
1 FEE 31-Dec-99 0.737 10.407937 0.07081 0.07
RESULTING VALUE 31-Dec-99 10.407937 100.53977 1046.4116
1.000
FORMULA: 1000*(1+T)= 1046.4116
= 986.9116356
T = -1.31% 4.64%
R = -1.31% 4.64%
Goldman Sachs CORE U.S. Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.195050 122.02488
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.95118 1219.5118
1.000
FORMULA: 1000*(1+T)= 1219.5118
= 1160.011809
T = 16.00% 21.95%
R = 16.00% 21.95%
Goldman Sachs CORE Large Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 11.292301 88.55591
1 FEE 31-Dec-99 0.737 15.075028 0.04889 0.07
RESULTING VALUE 31-Dec-99 15.075028 88.50702 1334.2458
1.000
FORMULA: 1000*(1+T)= 1334.2458
= 1274.745835
T = 27.47% 33.42%
R = 27.47% 33.42%
Goldman Sachs CORE Small Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.666507 115.38674
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 115.31304 1153.1304
1.000
FORMULA: 1000*(1+T)= 1153.1304
= 1093.630412
T = 9.36% 15.31%
R = 9.36% 15.31%
Goldman Sachs Capital Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.012440 124.80593
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 124.73223 1247.3223
1.000
FORMULA: 1000*(1+T)= 1247.3223
= 1187.822268
T = 18.78% 24.73%
R = 18.78% 24.73%
Goldman Sachs Mid Cap Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.977371 100.22680
1 FEE 31-Dec-99 0.737 9.810815 0.07512 0.07
RESULTING VALUE 31-Dec-99 9.810815 100.15168 982.5696
1.000
FORMULA: 1000*(1+T)= 982.5696
= 923.0696245
T = -7.69% -1.74%
R = -7.69% -1.74%
Goldman Sachs International Equity
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.725765 129.43702
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 129.36332 1293.6332
1.000
FORMULA: 1000*(1+T)= 1293.6332
= 1234.133201
T = 23.41% 29.36%
R = 23.41% 29.36%
Goldman Sachs Global Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.290982 97.17246
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 97.09876 970.9876
1.000
FORMULA: 1000*(1+T)= 970.9876
= 911.4875642
T = -8.85% -2.90%
R = -8.85% -2.90%
Neuberger & Berman AMT Guardian
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.804961 92.55008
1 FEE 31-Dec-99 0.737 12.222673 0.06030 0.07
RESULTING VALUE 31-Dec-99 12.222673 92.48978 1130.4724
1.000
FORMULA: 1000*(1+T)= 1130.4724
= 1070.972358
T = 7.10% 13.05%
R = 7.10% 13.05%
Neuberger & Berman AMT Mid-Cap Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 12.122468 82.49145
1 FEE 31-Dec-99 0.737 18.361245 0.04014 0.07
RESULTING VALUE 31-Dec-99 18.361245 82.45131 1513.9088
1.000
FORMULA: 1000*(1+T)= 1513.9088
= 1454.40878
T = 45.44% 51.39%
R = 45.44% 51.39%
Neuberger & Berman AMT Partners
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 10.303974 97.04993
1 FEE 31-Dec-99 0.737 10.888889 0.06768 0.07
RESULTING VALUE 31-Dec-99 10.888889 96.98225 1056.0290
1.000
FORMULA: 1000*(1+T)= 1056.0290
= 996.5289623
T = -0.35% 5.60%
R = -0.35% 5.60%
STI Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.899189 101.01837
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
RESULTING VALUE 31-Dec-99 10.593253 100.94880 1069.3762
1.000
FORMULA: 1000*(1+T)= 1069.3762
= 1009.876195
T = 0.99% 6.94%
R = 0.99% 6.94%
STI Value Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.904363 100.96560
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
RESULTING VALUE 31-Dec-99 9.455971 100.88766 953.9908
1.000
FORMULA: 1000*(1+T)= 953.9908
= 894.4907879
T = -10.55% -4.60%
R = -10.55% -4.60%
Federated Prime Money Fund II
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 9.768797 102.36675
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
RESULTING VALUE 31-Dec-99 10.057099 102.29347 1028.7755
1.000
FORMULA: 1000*(1+T)= 1028.7755
= 969.2755428
T = -3.07% 2.88%
R = -3.07% 2.88%
MFS Research Series
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.211743 121.77683
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 121.70313 1217.0313
1.000
FORMULA: 1000*(1+T)= 1217.0313
= 1157.531262
T = 15.75% 21.70%
R = 15.75% 21.70%
Templeton Growth Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.415835 118.82362
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 118.74992 1187.4992
1.000
FORMULA: 1000*(1+T)= 1187.4992
= 1127.999224
T = 12.80% 18.75%
R = 12.80% 18.75%
Templeton International Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.266132 120.97557
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 120.90187 1209.0187
1.000
FORMULA: 1000*(1+T)= 1209.0187
= 1149.518663
T = 14.95% 20.90%
R = 14.95% 20.90%
Templeton Developing Markets
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.646081 150.46461
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 150.39091 1503.9091
1.000
FORMULA: 1000*(1+T)= 1503.9091
= 1444.409121
T = 44.44% 50.39%
R = 44.44% 50.39%
Franklin Small Cap Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.172301 193.33755
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 193.26385 1932.6385
1.000
FORMULA: 1000*(1+T)= 1932.6385
= 1873.138494
T = 87.31% 93.26%
R = 87.31% 93.26%
Mutual Shares Securities Fund
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.982587 111.32650
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 111.25280 1112.5280
1.000
FORMULA: 1000*(1+T)= 1112.5280
= 1053.028031
T = 5.30% 11.25%
R = 5.30% 11.25%
Oppenheimer Main Street Growth & Income
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.369701 119.47858
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 119.40488 1194.0488
1.000
FORMULA: 1000*(1+T)= 1194.0488
= 1134.548811
T = 13.45% 19.40%
R = 13.45% 19.40%
Oppenheimer Capital Appreciation
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 7.191019 139.06235
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 138.98865 1389.8865
1.000
FORMULA: 1000*(1+T)= 1389.8865
= 1330.386499
T = 33.04% 38.99%
R = 33.04% 38.99%
Oppenheimer Aggressive Growth
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 5.547947 180.24686
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 180.17316 1801.7316
1.000
FORMULA: 1000*(1+T)= 1801.7316
= 1742.231553
T = 74.22% 80.17%
R = 74.22% 80.17%
Oppenheimer Strategic Bond
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 8.072365 123.87943
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 123.80573 1238.0573
1.000
FORMULA: 1000*(1+T)= 1238.0573
= 1178.557331
T = 17.86% 23.81%
R = 17.86% 23.81%
Oppenheimer Global Securities
31-Dec-98
TO NO. YEARS 1.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 31-Dec-98 1000.00 6.427397 155.58398
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
RESULTING VALUE 31-Dec-99 10.000000 155.51028 1555.1028
1.000
FORMULA: 1000*(1+T)= 1555.1028
= 1495.60279
T = 49.56% 55.51%
R = 49.56% 55.51%
Morgan Stanley Fixed Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.221417 97.83379
1 FEE 10-Nov-99 0.737 10.152424 0.07259 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 FEE N/A 0 N/A 0.00000 0.05
5 FEE N/A 0 N/A 0.00000 0.05
6 FEE N/A 0 N/A 0.00000 0.04
7 FEE N/A 0 N/A 0.00000 0.03
8 FEE N/A 0 N/A 0.00000 0
9 FEE N/A 0 N/A 0.00000 0
10 FEE N/A 0 N/A 0.00000 0
11 FEE N/A 0 N/A 0.00000 0
12 FEE N/A 0 N/A 0.00000 0
13 FEE N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 97.68750 976.8750
1.139
FORMULA: 1000*(1+T)= 976.8750
= 925.8749998
T = -6.54%
R = -7.41%
Morgan Stanley Equity Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 6.663187 150.07833
1 FEE 10-Nov-99 0.737 8.955494 0.08230 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 149.92234 1499.2234
1.139
FORMULA: 1000*(1+T)= 1499.2234
= 1448.223375
T = 38.42%
R = 44.82%
Morgan Stanley Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.387423 96.27027
1 FEE 10-Nov-99 0.737 9.965722 0.07395 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 96.12261 961.2261
1.139
FORMULA: 1000*(1+T)= 961.2261
= 910.2261487
T = -7.93%
R = -8.98%
Morgan Stanley Mid Cap Value
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.662884 130.49917
1 FEE 10-Nov-99 0.737 9.291884 0.07932 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.34615 1303.4615
1.139
FORMULA: 1000*(1+T)= 1303.4615
= 1252.461532
T = 21.85%
R = 25.25%
Morgan Stanley U.S. Real Estate
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.852999 0.07480 0.07
2 FEE 31-Dec-99 0.737 9.866319 0.07470 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.866319 99.85050 985.1569
1.142
FORMULA: 1000*(1+T)= 985.1569
= 934.1569036
T = -5.79%
R = -6.58%
Morgan Stanley Global Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 9.325585 107.23188
1 FEE 10-Nov-99 0.737 9.707147 0.07592 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.08226 1070.8226
1.139
FORMULA: 1000*(1+T)= 1070.8226
= 1019.822553
T = 1.74%
R = 1.98%
Morgan Stanley International Magnum
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.638695 0.06332 0.07
2 FEE 31-Dec-99 0.737 12.794295 0.05760 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.794295 99.87907 1277.8823
1.142
FORMULA: 1000*(1+T)= 1277.8823
= 1226.882324
T = 19.61%
R = 22.69%
Fidelity Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.076391 196.99034
1 FEE 17-Jun-98 0.737 6.126279 0.12030 0.07
2 FEE 17-Jun-99 0.737 8.204484 0.08983 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 196.70651 1967.0651
2.538
FORMULA: 1000*(1+T)= 1967.0651
= 1916.065118
T = 29.20%
R = 91.61%
Fidelity High Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.315344 107.34977
1 FEE 17-Jun-98 0.737 10.345574 0.07124 0.07
2 FEE 17-Jun-99 0.737 9.966499 0.07395 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.13088 1071.3088
2.538
FORMULA: 1000*(1+T)= 1071.3088
= 1020.308802
T = 0.80%
R = 2.03%
Fidelity Contrafund
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.815042 171.96780
1 FEE 17-Jun-98 0.737 7.135190 0.10329 0.07
2 FEE 17-Jun-99 0.737 8.873709 0.08305 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 171.70776 1717.0776
2.538
FORMULA: 1000*(1+T)= 1717.0776
= 1666.077583
T = 22.28%
R = 66.61%
Fidelity Equity Income
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 8.540239 117.09274
1 FEE 26-Jan-99 0.737 9.443456 0.07804 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 116.94100 1169.4100
1.927
FORMULA: 1000*(1+T)= 1169.4100
= 1118.409983
T = 5.98%
R = 11.84%
MFS Emerging Growth
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 3.987868 250.76056
1 FEE 17-Jun-98 0.737 5.051954 0.14588 0.07
2 FEE 17-Jun-99 0.737 6.290547 0.11716 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 250.42381 2504.2381
2.538
FORMULA: 1000*(1+T)= 2504.2381
= 2453.238127
T = 42.42%
R = 145.32%
MFS Growth and Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.829644 113.25485
1 FEE 10-Nov-99 0.737 9.517778 0.07743 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 113.10372 1131.0372
1.139
FORMULA: 1000*(1+T)= 1131.0372
= 1080.037152
T = 6.99%
R = 8.00%
MFS New Discovery
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 5.163416 193.67024
1 FEE 09-Nov-99 0.737 7.668959 0.09610 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 193.50044 1935.0044
1.142
FORMULA: 1000*(1+T)= 1935.0044
= 1884.004352
T = 74.16%
R = 88.40%
Dreyfus Growth & Income
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 7.444687 134.32398
1 FEE 17-Jun-98 0.737 8.231596 0.08953 0.07
2 FEE 17-Jun-99 0.737 9.333519 0.07896 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.08179 1340.8179
2.538
FORMULA: 1000*(1+T)= 1340.8179
= 1289.817859
T = 10.55%
R = 28.98%
Dreyfus Money Market
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.293504 107.60204
1 FEE 17-Jun-98 0.737 9.583740 0.07690 0.07
2 FEE 17-Jun-99 0.737 9.843482 0.07487 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.37657 1073.7657
2.538
FORMULA: 1000*(1+T)= 1073.7657
= 1022.765682
T = 0.89%
R = 2.28%
Dreyfus Socially Responsible
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 5.939820 168.35527
1 FEE 17-Jun-98 0.737 7.303783 0.10091 0.07
2 FEE 17-Jun-99 0.737 8.466726 0.08705 0.06
3 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 168.09362 1680.9362
2.538
FORMULA: 1000*(1+T)= 1680.9362
= 1629.936168
T = 21.23%
R = 62.99%
Dreyfus Small Company
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 10.326683 96.83652
1 FEE 17-Jun-98 0.737 11.413717 0.06457 0.07
2 FEE 17-Jun-99 0.737 10.636515 0.06929 0.06
3 FEE 31-Dec-99 0.737 11.602306 0.06352 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.602306 96.63913 1121.2368
2.538
FORMULA: 1000*(1+T)= 1121.2368
= 1070.23679
T = 2.71%
R = 7.02%
Dreyfus Stock Index
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 6.613331 151.20973
1 FEE 26-Jan-99 0.737 8.596008 0.08574 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 151.05029 1510.5029
1.927
FORMULA: 1000*(1+T)= 1510.5029
= 1459.502933
T = 21.67%
R = 45.95%
American Century Balanced
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 8.768032 114.05068
1 FEE 17-Jun-98 0.737 10.229981 0.07204 0.07
2 FEE 17-Jun-99 0.737 10.704156 0.06885 0.06
3 FEE 31-Dec-99 0.737 11.482353 0.06419 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.482353 113.84560 1307.2153
2.538
FORMULA: 1000*(1+T)= 1307.2153
= 1256.215347
T = 9.40%
R = 25.62%
American Century International
17-Jun-97
TO NO. YEARS 2.538
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 17-Jun-97 1000.00 9.369845 106.72535
1 FEE 17-Jun-98 0.737 11.515565 0.06400 0.07
2 FEE 17-Jun-99 0.737 11.677073 0.06312 0.06
3 FEE 31-Dec-99 0.737 17.713705 0.04161 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 17.713705 106.55663 1887.5127
2.538
FORMULA: 1000*(1+T)= 1887.5127
= 1836.512704
T = 27.06%
R = 83.65%
AIM Capital Appreciation
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.239282 108.23352
1 FEE 26-Jan-99 0.737 11.372758 0.06480 0.07
2 FEE 31-Dec-99 0.737 16.212275 0.04546 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 16.212275 108.12326 1752.9239
1.927
FORMULA: 1000*(1+T)= 1752.9239
= 1701.923947
T = 31.77%
R = 70.19%
AIM Diversified Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 10.295797 97.12701
1 FEE 28-Jan-99 0.737 10.487506 0.07027 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 96.98304 969.8304
1.922
FORMULA: 1000*(1+T)= 969.8304
= 918.8303801
T = -4.31%
R = -8.12%
AIM Growth and Income
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 6.040444 165.55074
1 FEE 28-Jan-99 0.737 7.880765 0.09352 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 165.38353 1653.8353
1.922
FORMULA: 1000*(1+T)= 1653.8353
= 1602.835254
T = 27.82%
R = 60.28%
AIM Government Securities
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 9.800520 102.03540
1 FEE 28-Jan-99 0.737 10.364066 0.07111 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 101.89059 1018.9059
1.922
FORMULA: 1000*(1+T)= 1018.9059
= 967.9059111
T = -1.68%
R = -3.21%
AIM Growth
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.741071 174.18353
1 FEE 28-Jan-99 0.737 7.895609 0.09334 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 174.01648 1740.1648
1.922
FORMULA: 1000*(1+T)= 1740.1648
= 1689.164847
T = 31.36%
R = 68.92%
AIM International Equity
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 5.822206 171.75620
1 FEE 28-Jan-99 0.737 6.617473 0.11137 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 171.57113 1715.7113
1.922
FORMULA: 1000*(1+T)= 1715.7113
= 1664.711319
T = 30.37%
R = 66.47%
AIM Global Utilities
26-Jan-98
TO NO. YEARS 1.927
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 26-Jan-98 1000.00 9.391125 106.48352
1 FEE 26-Jan-99 0.737 10.828250 0.06806 0.07
2 FEE 31-Dec-99 0.737 14.096367 0.05228 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 14.096367 106.36317 1499.3343
1.927
FORMULA: 1000*(1+T)= 1499.3343
= 1448.33427
T = 21.19%
R = 44.83%
AIM Value
28-Jan-98
TO NO. YEARS 1.922
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 28-Jan-98 1000.00 6.028556 165.87720
1 FEE 28-Jan-99 0.737 8.215229 0.08971 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 165.71379 1657.1379
1.922
FORMULA: 1000*(1+T)= 1657.1379
= 1606.137903
T = 27.96%
R = 60.61%
AIM Balanced
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.945231 125.86166
1 FEE 10-Nov-99 0.737 9.263382 0.07956 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 125.70840 1257.0840
1.139
FORMULA: 1000*(1+T)= 1257.0840
= 1206.084041
T = 17.88%
R = 20.61%
AIM High Yield
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.781632 0.06836 0.07
2 FEE 31-Dec-99 0.737 11.216979 0.06570 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 11.216979 99.86594 1120.1941
1.142
FORMULA: 1000*(1+T)= 1120.1941
= 1069.194141
T = 6.04%
R = 6.92%
Goldman Sachs Growth and Income
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.952878 0.07405 0.07
2 FEE 31-Dec-99 0.737 10.407937 0.07081 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.407937 99.85514 1039.2860
1.142
FORMULA: 1000*(1+T)= 1039.2860
= 988.2860033
T = -1.03%
R = -1.17%
Goldman Sachs CORE U.S. Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.583091 131.87235
1 FEE 10-Nov-99 0.737 9.308894 0.07917 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 131.71947 1317.1947
1.139
FORMULA: 1000*(1+T)= 1317.1947
= 1266.194744
T = 23.03%
R = 26.62%
Goldman Sachs CORE Large Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 13.163346 0.05599 0.07
2 FEE 31-Dec-99 0.737 15.075028 0.04889 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 15.075028 99.89512 1505.9218
1.142
FORMULA: 1000*(1+T)= 1505.9218
= 1454.921767
T = 38.88%
R = 45.49%
Goldman Sachs CORE Small Cap Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 8.217929 121.68516
1 FEE 10-Nov-99 0.737 9.001514 0.08188 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.52958 1215.2958
1.139
FORMULA: 1000*(1+T)= 1215.2958
= 1164.295842
T = 14.29%
R = 16.43%
Goldman Sachs Capital Growth
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.351283 136.03068
1 FEE 10-Nov-99 0.737 9.134169 0.08069 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 135.87629 1358.7629
1.139
FORMULA: 1000*(1+T)= 1358.7629
= 1307.762905
T = 26.56%
R = 30.78%
Goldman Sachs Mid Cap Equity
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 9.707233 0.07592 0.07
2 FEE 31-Dec-99 0.737 9.810815 0.07512 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.810815 99.84896 979.5996
1.142
FORMULA: 1000*(1+T)= 979.5996
= 928.5996357
T = -6.28%
R = -7.14%
Goldman Sachs International Equity
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 7.238416 138.15177
1 FEE 10-Nov-99 0.737 8.836138 0.08341 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.99466 1379.9466
1.139
FORMULA: 1000*(1+T)= 1379.9466
= 1328.946649
T = 28.36%
R = 32.89%
Goldman Sachs Global Income
10-Nov-98
TO NO. YEARS 1.139
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 10-Nov-98 1000.00 10.617574 94.18347
1 FEE 10-Nov-99 0.737 10.069561 0.07319 0.07
2 FEE 31-Dec-99 0.737 10.000000 0.07370 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 94.03658 940.3658
1.139
FORMULA: 1000*(1+T)= 940.3658
= 889.3658266
T = -9.78%
R = -11.06%
Neuberger & Berman AMT Guardian
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 11.647547 0.06328 0.07
2 FEE 31-Dec-99 0.737 12.222673 0.06030 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 12.222673 99.87643 1220.7569
1.142
FORMULA: 1000*(1+T)= 1220.7569
= 1169.756909
T = 14.72%
R = 16.98%
Neuberger & Berman AMT Mid-Cap Growth
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 14.116259 0.05221 0.07
2 FEE 31-Dec-99 0.737 18.361245 0.04014 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 18.361245 99.90765 1834.4289
1.142
FORMULA: 1000*(1+T)= 1834.4289
= 1783.428872
T = 65.99%
R = 78.34%
Neuberger & Berman AMT Partners
09-Nov-98
TO NO. YEARS 1.142
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 09-Nov-98 1000.00 10.000000 100.00000
1 FEE 09-Nov-99 0.737 10.530193 0.06999 0.07
2 FEE 31-Dec-99 0.737 10.888889 0.06768 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.888889 99.86233 1087.3898
1.142
FORMULA: 1000*(1+T)= 1087.3898
= 1036.389795
T = 3.18%
R = 3.64%
STI Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.593253 0.06957 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.593253 99.93043 1058.5883
0.164
FORMULA: 1000*(1+T)= 1058.5883
= 999.0882999
T = -0.55%
R = -0.09%
STI Value Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 9.455971 0.07794 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 9.455971 99.92206 944.8601
0.164
FORMULA: 1000*(1+T)= 944.8601
= 885.3600999
T = -52.35%
R = -11.46%
Federated Prime Money Fund II
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.057099 0.07328 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.057099 99.92672 1004.9729
0.164
FORMULA: 1000*(1+T)= 1004.9729
= 945.4728999
T = -28.92%
R = -5.45%
MFS Research Series
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.680976 115.19442
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 115.12072 1151.2072
0.164
FORMULA: 1000*(1+T)= 1151.2072
= 1091.707205
T = 70.60%
R = 9.17%
Templeton Growth Securities
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Templeton International Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.888209 112.50861
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.43491 1124.3491
0.164
FORMULA: 1000*(1+T)= 1124.3491
= 1064.849055
T = 46.59%
R = 6.48%
Templeton Developing Markets
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.229040 121.52086
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 121.44716 1214.4716
0.164
FORMULA: 1000*(1+T)= 1214.4716
= 1154.971578
T = 140.38%
R = 15.50%
Franklin Small Cap Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Mutual Shares Securities Fund
01-May-00
TO NO. YEARS -0.334
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-May-00 1000.00 10.000000 100.00000
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 99.92630 999.2630
-0.334
FORMULA: 1000*(1+T)= 999.2630
= 939.7629999
T = 20.44%
R = -6.02%
Oppenheimer Main Street Growth & Income
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.285176 107.69855
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 107.62485 1076.2485
0.164
FORMULA: 1000*(1+T)= 1076.2485
= 1016.748509
T = 10.64%
R = 1.67%
Oppenheimer Capital Appreciation
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 8.261370 121.04530
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 120.97160 1209.7160
0.164
FORMULA: 1000*(1+T)= 1209.7160
= 1150.215988
T = 134.42%
R = 15.02%
Oppenheimer Aggressive Growth
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.290838 137.15844
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.08474 1370.8474
0.164
FORMULA: 1000*(1+T)= 1370.8474
= 1311.347446
T = 420.72%
R = 31.13%
Oppenheimer Strategic Bond
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 9.848806 101.53515
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 101.46145 1014.6145
0.164
FORMULA: 1000*(1+T)= 1014.6145
= 955.1145055
T = -24.39%
R = -4.49%
Oppenheimer Global Securities
01-Nov-99
TO NO. YEARS 0.164
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUESURRENDER CHARGES
0 INIT DEPOSIT 01-Nov-99 1000.00 7.634537 130.98371
1 FEE 31-Dec-99 0.737 10.000000 0.07370 0.07
2 FEE N/A 0 N/A 0.00000 0.06
3 FEE N/A 0 N/A 0.00000 0.06
4 N/A 0 N/A 0.00000 0.05
5 N/A 0 N/A 0.00000 0.05
6 N/A 0 N/A 0.00000 0.04
7 N/A 0 N/A 0.00000 0.03
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.91001 1309.1001
0.164
FORMULA: 1000*(1+T)= 1309.1001
= 1249.600126
T = 288.23%
R = 24.96%
</TABLE>
|
|