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ChoicePlus C-Share
Separate Account N - Standardized 1 Year Return (example)
ONE YEAR RETURN PERIOD ENDING 12/31/99
Bond
Fund Value $950.22
Surr Charge $0.00
Final Value $950.22
Annual Return -4.98%
Unit Values
Date Bond
12/31/98 10.58601596
12/31/99 10.05904514
Separate Account N - Standardized 5 Year Return (example)
FIVE YEAR RETURN PERIOD ENDING 12/31/99
Fund Value Bond
One Year $1,170.23
Two Year $1,175.86
Three Year $1,261.62
Four Year $1,357.58
Five Year $1,290.00
Surr Charge $ 0.00
Final Value $1,290.00
Annual Return 5.22%
Unit Values
Bond
12/31/94 7.7976944
12/31/95 9.1251305
12/31/96 9.1690061
12/31/97 9.837700
12/31/98 10.586016
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 $1,047.89
Two Year $1,208.08
Three Year $1,280.38
Four Year $1,413.15
Five Year $1,329.31
Six Year $1,555.61
Seven Year $1,563.09
Eight Year $1,677.08
Nine Year $1,804.65
Ten Year $1,714.82
Surr Charge 0.00
Final Value $1,714.82
Annual Return 5.54%
Unit Values
Bond
12/31/89 5.865954
12/31/90 6.146872
12/31/91 7.086551
12/31/92 7.510641
12/31/93 8.289502
12/31/94 7.797694
12/31/95 9.125131
12/31/96 9.169006
12/31/97 9.837700
12/31/98 10.586016
12/31/99 10.059045
Separate Account N - Non-standardized Return
Accumulated Amounts
Base Period
Years Start Date End Date Bond
1 12/31/98 12/31/99 $950.22
2 12/31/97 12/31/98 $1,022.50
3 12/31/96 12/31/97 $1,097.07
4 12/31/95 12/31/96 $1,102.35
5 12/31/94 12/31/95 $1,290.00
Life $4,167.36
Compound Growth Rate
Base Period
Years Start Date End Date Bond
1 12/31/98 12/31/99 -4.98%
2 12/31/97 12/31/98 1.12%
3 12/31/96 12/31/97 3.14%
4 12/31/95 12/31/96 2.47%
5 12/31/94 12/31/95 5.22%
Life 8.25%
Unit Values Bond
12/31/99 10.05905
12/31/98 10.58602
12/31/97 9.837700
12/31/96 9.169006
12/31/95 9.125131
12/31/94 7.797694
Life Return Bond
Inception Date/Start Date 12/31/81
Unit Value 2.413767
Period (Years) 18.00
