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ChoicePlus Bonus
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Separate Account N - Standardized 1 Year Return (example) Separate Account N - Non-standardized Return
ONE YEAR RETURN PERIOD ENDING 12/31/99 Accumulated Amounts
<S> <C>
Bond Base Period
Fund Value $950.70 Years Start Date End Date Bond
Surr Charge $0.00 1 12/31/98 12/31/99 $950.70
Final Value $950.70 2 12/31/97 12/31/98 $1,023.52
Annual Return -4.93% 3 12/31/96 12/31/97 $1,098.72
4 12/31/95 12/31/96 $1,104.56
Unit Values 5 12/31/94 12/31/95 $1,293.24
Life $4,205.06
Date Bond
12/31/98 10.580724 Compound Growth Rate
12/31/99 10.059045
Base Period
Separate Account N - Standardized 5 Year Return (example) Years Start Date End Date Bond
1 12/31/98 12/31/99 -4.93%
FIVE YEAR RETURN PERIOD ENDING 12/31/99 2 12/31/97 12/31/98 1.17%
3 12/31/96 12/31/97 3.19%
Fund Value Bond 4 12/31/95 12/31/96 2.52%
One Year $1,170.82 5 12/31/94 12/31/95 5.28%
Life 8.31%
Two Year $1,177.04
Unit Values Bond
Three Year $1,263.51 12/31/99 10.05905
12/31/98 10.58072
Four Year $1,360.30 12/31/97 9.827867
12/31/96 9.155262
Five Year $1,293.24 12/31/95 9.10686
Surr Charge $0.00 12/31/94 7.778202
Final Value $1,293.24
Annual Return 5.28% Life Return Bond
Unit Values Inception Date/Start Date 12/31/81
Bond Unit Value 2.392126
12/31/94 7.7782023 Period (Years) 18.00
12/31/95 9.1068602
12/31/96 9.1552622
12/31/97 9.827867
12/31/98 10.580724
12/31/99 10.059045
Separate Account N - Standardized 10 Year/Lifetime Return (example)
TEN YEAR/LIFETIME RETURN PERIOD ENDING 12/31/99
Fund Value Bond
One Year $1,048.42
Two Year $1,209.29
Three Year $1,282.31
Four Year $1,415.99
Five Year $1,332.65
Six Year $1,560.29
Seven Year $1,568.58
Eight Year $1,683.82
Nine Year $1,812.80
Ten Year $1,723.42
Surr Charge 0.00
Final Value $1,723.42
Annual Return 5.59%
Unit Values
Bond
12/31/89 5.836664
12/31/90 6.119255
12/31/91 7.058241
12/31/92 7.484388
12/31/93 8.264658
12/31/94 7.778202
12/31/95 9.106860
12/31/96 9.155262
12/31/97 9.827867
12/31/98 10.580724
12/31/99 10.059045
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