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Previous: COVA VARIABLE ANNUITY ACCOUNT ONE, 485BPOS, EX-99.B10, 2000-08-31 |
Next: THORNBURG INVESTMENT TRUST, N-30D, 2000-08-31 |
Cova Variable Annuity Account One
Part I 1 Year Return Data- Column A
As of 06/30/2000
<TABLE>
<CAPTION>
Sub-Account Transaction Amount Unit Transaction Unit Account
Value Units Balance Value
After After
Transaction Transaction
Cova Lord Abbett G&I
<S> <C> <C> <C> <C> <C> <C>
06/30/99 purchase 1,000.00 39.095065 25.5787 25.5787 1,000.00
06/30/00 annual fee (1.00) 38.332296 (0.0261) 25.5526 979.49
06/30/00 surrender fee (45.00) 38.332296 (1.1739) 24.3787 934.49
Cova Bond Debenture
06/30/99 purchase 1,000.00 13.536168 73.8762 73.8762 1,000.00
06/30/00 annual fee (1.00) 13.863754 (0.0721) 73.8041 1,023.20
<PAGE>
06/30/00 surrender fee (45.00) 13.863754 (3.2459) 70.5582 978.20
GACC Money Market
06/30/99 purchase 1,000.00 11.299196 88.5019 88.5019 1,000.00
06/30/00 annual fee (1.00) 11.796544 (0.0848) 88.4171 1,043.02
06/30/00 surrender fee (45.00) 11.796544 (3.8147) 84.6024 998.02
Cova Developing Growth
06/30/99 purchase 1,000.00 12.724192 78.5905 78.5905 1,000.00
06/30/00 annual fee (1.00) 12.662512 (0.0790) 78.5115 994.15
06/30/00 surrender fee (45.00) 12.662512 (3.5538) 74.9577 949.15
Cova Large Cap Research
06/30/99 purchase 1,000.00 13.320553 75.0720 75.0720 1,000.00
06/30/00 annual fee (1.00) 13.839213 (0.0723) 74.9997 1,037.94
06/30/00 surrender fee (45.00) 13.839213 (3.2516) 71.7481 992.94
Cova Mid-Cap Value
06/30/99 purchase 1,000.00 11.560414 86.5021 86.5021 1,000.00
06/30/00 annual fee (1.00) 12.717044 (0.0786) 86.4235 1,099.05
06/30/00 surrender fee (45.00) 12.717044 (3.5386) 82.8849 1,054.05
Cova Quality Bond
06/30/99 purchase 1,000.00 11.582126 86.3399 86.3399 1,000.00
06/30/00 annual fee (1.00) 11.904320 (0.0840) 86.2559 1,026.82
06/30/00 surrender fee (45.00) 11.904320 (3.7801) 82.4758 981.82
Cova Small Cap Stock
06/30/99 purchase 1,000.00 13.249386 75.4752 75.4752 1,000.00
06/30/00 annual fee (1.00) 17.951555 (0.0557) 75.4195 1,353.90
06/30/00 surrender fee (45.00) 17.951555 (2.5067) 72.9128 1,308.90
Cova Large Cap Stock
06/30/99 purchase 1,000.00 21.760453 45.9549 45.9549 1,000.00
06/30/00 annual fee (1.00) 21.909564 (0.0456) 45.9093 1,005.85
06/30/00 surrender fee (45.00) 21.909564 (2.0539) 43.8554 960.85
Cova Select Equity
06/30/99 purchase 1,000.00 18.786819 53.2288 53.2288 1,000.00
06/30/00 annual fee (1.00) 18.072857 (0.0553) 53.1735 961.00
06/30/00 surrender fee (45.00) 18.072857 (2.4899) 50.6836 916.00
Cova Int'l Equity
06/30/99 purchase 1,000.00 13.530211 73.9087 73.9087 1,000.00
06/30/00 annual fee (1.00) 15.563465 (0.0643) 73.8444 1,149.27
06/30/00 surrender fee (45.00) 15.563465 (2.8914) 70.9530 1,104.27
Cova Balanced
06/30/99 purchase 1,000.00 12.542349 79.7299 79.7299 1,000.00
06/30/00 annual fee (1.00) 12.345038 (0.0810) 79.6489 983.27
06/30/00 surrender fee (45.00) 12.345038 (3.6452) 76.0037 938.27
<PAGE>
Cova Equity Income
06/30/99 purchase 1,000.00 13.329239 75.0230 75.0230 1,000.00
06/30/00 annual fee (1.00) 11.743546 (0.0852) 74.9378 880.04
06/30/00 surrender fee (45.00) 11.743546 (3.8319) 71.1059 835.04
Cova G&I Equity
06/30/99 purchase 1,000.00 13.783946 72.5482 72.5482 1,000.00
06/30/00 annual fee (1.00) 13.631616 (0.0734) 72.4748 987.95
06/30/00 surrender fee (45.00) 13.631616 (3.3011) 69.1737 942.95
Russell Multi-Style Equity
06/30/99 purchase 1,000.00 14.136244 70.7401 70.7401 1,000.00
06/30/00 annual fee (1.00) 13.928688 (0.0718) 70.6683 984.32
06/30/00 surrender fee (45.00) 13.928688 (3.2307) 67.4376 939.32
Russell Aggressive Equity
06/30/99 purchase 1,000.00 9.994595 100.0541 100.0541 1,000.00
06/30/00 annual fee (1.00) 10.702095 (0.0934) 99.9607 1,069.79
06/30/00 surrender fee (45.00) 10.702095 (4.2048) 95.7559 1,024.79
</TABLE>
<PAGE>
<TABLE>
<S> <C> <C> <C> <C> <C> <C>
Russell Non-U.S.
06/30/99 purchase 1,000.00 11.843135 84.4371 84.4371 1,000.00
06/30/00 annual fee (1.00) 13.871347 (0.0721) 84.3650 1,170.26
06/30/00 surrender fee (45.00) 13.871347 (3.2441) 81.1209 1,125.26
Russell Core Bond
06/30/99 purchase 1,000.00 10.400162 96.1523 96.1523 1,000.00
06/30/00 annual fee (1.00) 10.687613 (0.0936) 96.0587 1,026.64
06/30/00 surrender fee (45.00) 10.687613 (4.2105) 91.8482 981.64
AIM V.I. Value
06/30/99 purchase 1,000.00 14.842562 67.3738 67.3738 1,000.00
06/30/00 annual fee (1.00) 16.568145 (0.0604) 67.3134 1,115.26
06/30/00 surrender fee (45.00) 16.568145 (2.7161) 64.5973 1,070.26
AIM V.I. Capital Appreciation
06/30/99 purchase 1,000.00 12.802441 78.1101 78.1101 1,000.00
06/30/00 annual fee (1.00) 18.041220 (0.0554) 78.0547 1,408.20
06/30/00 surrender fee (45.00) 18.041220 (2.4943) 75.5604 1,363.20
AIM V.I. Int'l Equity
06/30/99 purchase 1,000.00 11.814369 84.6427 84.6427 1,000.00
06/30/00 annual fee (1.00) 15.418889 (0.0649) 84.5778 1,304.10
06/30/00 surrender fee (45.00) 15.418889 (2.9185) 81.6593 1,259.10
Alliance Premier Growth
06/30/99 purchase 1,000.00 16.395203 60.9935 60.9935 1,000.00
<PAGE>
06/30/00 annual fee (1.00) 19.492351 (0.0513) 60.9422 1,187.91
06/30/00 surrender fee (45.00) 19.492351 (2.3086) 58.6336 1,142.91
Alliance Real Estate Investment
06/30/99 purchase 1,000.00 8.410331 118.9014 118.9014 1,000.00
06/30/00 annual fee (1.00) 8.607622 (0.1162) 118.7852 1,022.46
06/30/00 surrender fee (45.00) 8.607622 (5.2279) 113.5573 977.46
Liberty Newport Tiger, Variable Series
06/30/99 purchase 1,000.00 11.850543 84.3843 84.3843 1,000.00
06/30/00 annual fee (1.00) 15.126104 (0.0661) 84.3182 1,275.41
06/30/00 surrender fee (45.00) 15.126104 (2.9750) 81.3432 1,230.41
Goldman Sachs G&I
06/30/99 purchase 1,000.00 10.866470 92.0262 92.0262 1,000.00
06/30/00 annual fee (1.00) 10.302878 (0.0971) 91.9291 947.13
06/30/00 surrender fee (45.00) 10.302878 (4.3677) 87.5614 902.13
Goldman Sachs Int'l Equity
06/30/99 purchase 1,000.00 11.628506 85.9956 85.9956 1,000.00
06/30/00 annual fee (1.00) 14.489526 (0.0690) 85.9266 1,245.04
06/30/00 surrender fee (45.00) 14.489526 (3.1057) 82.8209 1,200.04
Goldman Sachs Global Income
06/30/99 purchase 1,000.00 10.551525 94.7730 94.7730 1,000.00
06/30/00 annual fee (1.00) 10.791236 (0.0927) 94.6803 1,021.72
06/30/00 surrender fee (45.00) 10.791236 (4.1701) 90.5102 976.72
Templeton Global Income Securities
06/30/99 purchase 1,000.00 9.917675 100.8301 100.8301 1,000.00
06/30/00 annual fee (1.00) 9.719245 (0.1029) 100.7272 978.99
06/30/00 surrender fee (45.00) 9.719245 (4.6300) 96.0972 933.99
Kemper Dreman High Return
06/30/99 purchase 1,000.00 10.988298 91.0059 91.0059 1,000.00
06/30/00 annual fee (1.00) 9.311980 (0.1074) 90.8985 846.45
06/30/00 surrender fee (45.00) 9.311980 (4.8325) 86.0660 801.44
Kemper Small Cap Growth
06/30/99 purchase 1,000.00 12.075969 82.8091 82.8091 1,000.00
06/30/00 annual fee (1.00) 16.755788 (0.0597) 82.7494 1,386.53
06/30/00 surrender fee (45.00) 16.755788 (2.6856) 80.0638 1,341.53
Kemper Small Cap Value
06/30/99 purchase 1,000.00 9.212540 108.5477 108.5477 1,000.00
06/30/00 annual fee (1.00) 8.645645 (0.1157) 108.4320 937.46
06/30/00 surrender fee (45.00) 8.645645 (5.2049) 103.2271 892.46
Kemper Government Securities
06/30/99 purchase 1,000.00 10.486805 95.3579 95.3579 1,000.00
06/30/00 annual fee (1.00) 10.817828 (0.0924) 95.2655 1,030.57
06/30/00 surrender fee (45.00) 10.817828 (4.1598) 91.1057 985.57
<PAGE>
</TABLE>
<PAGE>
<TABLE>
<S> <C> <C> <C> <C> <C> <C>
MFS Bond
06/30/99 purchase 1,000.00 10.294147 97.1426 97.1426 1,000.00
06/30/00 annual fee (1.00) 10.381962 (0.0963) 97.0463 1,007.53
06/30/00 surrender fee (45.00) 10.381962 (4.3344) 92.7119 962.53
MFS Research
06/30/99 purchase 1,000.00 13.158217 75.9981 75.9981 1,000.00
06/30/00 annual fee (1.00) 15.719904 (0.0636) 75.9345 1,193.68
06/30/00 surrender fee (45.00) 15.719904 (2.8626) 73.0719 1,148.68
MFS Growth with Income
06/30/99 purchase 1,000.00 12.683197 78.8445 78.8445 1,000.00
06/30/00 annual fee (1.00) 12.672237 (0.0789) 78.7656 998.14
06/30/00 surrender fee (45.00) 12.672237 (3.5511) 75.2145 953.14
MFS Emerging Growth
06/30/99 purchase 1,000.00 14.825001 67.4536 67.4536 1,000.00
06/30/00 annual fee (1.00) 22.373757 (0.0447) 67.4089 1,508.19
06/30/00 surrender fee (45.00) 22.373757 (2.0113) 65.3976 1,463.19
MFS Emerging Markets Equity
06/30/99 purchase 1,000.00 7.986146 125.2168 125.2168 1,000.00
06/30/00 annual fee (1.00) 8.477690 (0.1180) 125.0988 1,060.55
06/30/00 surrender fee (45.00) 8.477690 (5.3080) 119.7908 1,015.55
MFS High Income
06/30/99 purchase 1,000.00 10.262353 97.4435 97.4435 1,000.00
06/30/00 annual fee (1.00) 10.287885 (0.0972) 97.3463 1,001.49
06/30/00 surrender fee (45.00) 10.287885 (4.3741) 92.9722 956.49
MFS Global Governments
06/30/99 purchase 1,000.00 10.290122 97.1806 97.1806 1,000.00
06/30/00 annual fee (1.00) 10.333793 (0.0968) 97.0838 1,003.24
06/30/00 surrender fee (45.00) 10.333793 (4.3546) 92.7292 958.24
Oppenheimer Capital Appreciation
06/30/99 purchase 1,000.00 14.069924 71.0736 71.0736 1,000.00
06/30/00 annual fee (1.00) 18.566723 (0.0539) 71.0197 1,318.60
06/30/00 surrender fee (45.00) 18.566723 (2.4237) 68.5960 1,273.60
Oppenheimer Main Street G&I
06/30/99 purchase 1,000.00 11.756598 85.0586 85.0586 1,000.00
06/30/00 annual fee (1.00) 12.330645 (0.0811) 84.9775 1,047.83
06/30/00 surrender fee (45.00) 12.330645 (3.6494) 81.3281 1,002.83
Oppenheimer High Income
06/30/99 purchase 1,000.00 10.198942 98.0494 98.0494 1,000.00
06/30/00 annual fee (1.00) 10.040776 (0.0996) 97.9498 983.49
<PAGE>
06/30/00 surrender fee (45.00) 10.040776 (4.4817) 93.4681 938.49
Oppenheimer Bond
06/30/99 purchase 1,000.00 10.283438 97.2437 97.2437 1,000.00
06/30/00 annual fee (1.00) 10.355393 (0.0966) 97.1471 1,006.00
06/30/00 surrender fee (45.00) 10.355393 (4.3456) 92.8015 961.00
Oppenheimer Strategic Bond
06/30/99 purchase 1,000.00 10.094897 99.0600 99.0600 1,000.00
06/30/00 annual fee (1.00) 10.401260 (0.0961) 98.9639 1,029.35
06/30/00 surrender fee (45.00) 10.401260 (4.3264) 94.6375 984.35
Putnam VT G&I
06/30/99 purchase 1,000.00 12.503038 79.9806 79.9806 1,000.00
06/30/00 annual fee (1.00) 10.991248 (0.0910) 79.8896 878.09
06/30/00 surrender fee (45.00) 10.991248 (4.0942) 75.7954 833.09
Putnam VT New Value
06/30/99 purchase 1,000.00 11.899961 84.0339 84.0339 1,000.00
06/30/00 annual fee (1.00) 10.602228 (0.0943) 83.9396 889.95
06/30/00 surrender fee (45.00) 10.602228 (4.2444) 79.6952 844.95
Putnam VT Vista
06/30/99 purchase 1,000.00 13.199054 75.7630 75.7630 1,000.00
06/30/00 annual fee (1.00) 20.512958 (0.0487) 75.7143 1,553.12
06/30/00 surrender fee (45.00) 20.512958 (2.1937) 73.5206 1,508.12
</TABLE>
<PAGE>
<TABLE>
<S> <C> <C> <C> <C> <C> <C>
Putnam VT Int'l Growth
06/30/99 purchase 1,000.00 13.062217 76.5567 76.5567 1,000.00
06/30/00 annual fee (1.00) 18.473876 (0.0541) 76.5026 1,413.30
06/30/00 surrender fee (45.00) 18.473876 (2.4359) 74.0667 1,368.30
Putnam VT Int'l New Opportunities
06/30/99 purchase 1,000.00 13.536626 73.8737 73.8737 1,000.00
06/30/00 annual fee (1.00) 19.161943 (0.0522) 73.8215 1,414.56
06/30/00 surrender fee (45.00) 19.161943 (2.3484) 71.4731 1,369.56
Franklin Small Cap
06/30/99 purchase 1,000.00 11.132805 89.8246 89.8246 1,000.00
06/30/00 annual fee (1.00) 18.327900 (0.0546) 89.7700 1,645.30
06/30/00 surrender fee (45.00) 18.327900 (2.4553) 87.3147 1,600.30
Templeton Growth Securities
06/30/99 purchase 1,000.00 14.278318 70.0363 70.0363 1,000.00
06/30/00 annual fee (1.00) 12.908891 (0.0775) 69.9588 903.09
06/30/00 surrender fee (45.00) 12.908891 (3.4860) 66.4728 858.09
Templeton International Securities
06/30/99 purchase 1,000.00 10.014948 99.8507 99.8507 1,000.00
<PAGE>
06/30/00 annual fee (1.00) 11.133034 (0.0898) 99.7609 1,110.64
06/30/00 surrender fee (45.00) 11.133034 (4.0420) 95.7189 1,065.64
Templeton Developing Markets Securities
06/30/99 purchase 1,000.00 10.737070 93.1353 93.1353 1,000.00
06/30/00 annual fee (1.00) 9.450044 (0.1058) 93.0295 879.13
06/30/00 surrender fee (45.00) 9.450044 (4.7619) 88.2676 834.13
Mutual Shares Securities
06/30/99 purchase 1,000.00 11.100649 90.0848 90.0848 1,000.00
06/30/00 annual fee (1.00) 10.393821 (0.0962) 89.9886 935.33
06/30/00 surrender fee (45.00) 10.393821 (4.3295) 85.6591 890.33
Fidelity VIP Growth
06/30/99 purchase 1,000.00 14.859885 67.2953 67.2953 1,000.00
06/30/00 annual fee (1.00) 18.495968 (0.0541) 67.2412 1,243.69
06/30/00 surrender fee (45.00) 18.495968 (2.4330) 64.8082 1,198.69
Fidelity VIP II Contrafund
06/30/99 purchase 1,000.00 13.652825 73.2449 73.2449 1,000.00
06/30/00 annual fee (1.00) 14.830226 (0.0674) 73.1775 1,085.24
06/30/00 surrender fee (45.00) 14.830226 (3.0343) 70.1432 1,040.24
Fidelity VIP III Growth Opportunities
06/30/99 purchase 1,000.00 12.416559 80.5376 80.5376 1,000.00
06/30/00 annual fee (1.00) 11.551805 (0.0866) 80.4510 929.35
06/30/00 surrender fee (45.00) 11.551805 (3.8955) 76.5555 884.35
Fidelity VIP III Growth & Income
06/30/99 purchase 1,000.00 13.076025 76.4758 76.4758 1,000.00
06/30/00 annual fee (1.00) 12.753894 (0.0784) 76.3974 974.36
06/30/00 surrender fee (45.00) 12.753894 (3.5283) 72.8691 929.36
Fidelity VIP Equity-Income
06/30/99 purchase 1,000.00 11.893156 84.0820 84.0820 1,000.00
06/30/00 annual fee (1.00) 10.768881 (0.0929) 83.9891 904.47
06/30/00 surrender fee (45.00) 10.768881 (4.1787) 79.8104 859.47
Franklin Large Cap Growth Securities
06/30/99 purchase 1,000.00 13.295851 75.2114 75.2114 1,000.00
06/30/00 annual fee (1.00) 16.245735 (0.0616) 75.1498 1,220.86
06/30/00 surrender fee (45.00) 16.245735 (2.7700) 72.3798 1,175.86
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I 1 Year Returns- Column A
As of 06/30/2000
<TABLE>
<CAPTION>
Sub-Account Total Account Initial
<PAGE>
Return Value Investment
<S> <C> <C> <C>
Cova Lord Abbett G&I -6.55% 934.49 1,000.00
Cova Bond Debenture -2.18% 978.20 1,000.00
GACC Money Market -0.20% 998.02 1,000.00
Cova Developing Growth -5.09% 949.15 1,000.00
Cova Large Cap Research -0.71% 992.94 1,000.00
Cova Mid-Cap Value 5.40% 1,054.05 1,000.00
Cova Quality Bond -1.82% 981.82 1,000.00
Cova Small Cap Stock 30.89% 1,308.90 1,000.00
Cova Large Cap Stock -3.92% 960.85 1,000.00
Cova Select Equity -8.40% 916.00 1,000.00
Cova Int'l Equity 10.43% 1,104.27 1,000.00
Cova Balanced -6.17% 938.27 1,000.00
Cova Equity Income -16.50% 835.04 1,000.00
Cova G&I Equity -5.70% 942.95 1,000.00
Russell Multi-Style Equity -6.07% 939.32 1,000.00
Russell Aggressive Equity 2.48% 1,024.79 1,000.00
Russell Non-U.S. 12.53% 1,125.26 1,000.00
Russell Core Bond -1.84% 981.64 1,000.00
AIM V.I. Value 7.03% 1,070.26 1,000.00
AIM V.I. Capital Appreciation 36.32% 1,363.20 1,000.00
AIM V.I. Int'l Equity 25.91% 1,259.10 1,000.00
Alliance Premier Growth 14.29% 1,142.91 1,000.00
Alliance Real Estate Investment -2.25% 977.46 1,000.00
Liberty Newport Tiger, Variable Series 23.04% 1,230.41 1,000.00
Goldman Sachs G&I -9.79% 902.13 1,000.00
Goldman Sachs Int'l Equity 20.00% 1,200.04 1,000.00
Goldman Sachs Global Income -2.33% 976.72 1,000.00
Templeton Global Income Securities -6.60% 933.99 1,000.00
Kemper Dreman High Return -19.86% 801.44 1,000.00
Kemper Small Cap Growth 34.15% 1,341.53 1,000.00
Kemper Small Cap Value -10.75% 892.46 1,000.00
Kemper Government Securities -1.44% 985.57 1,000.00
MFS Bond -3.75% 962.53 1,000.00
MFS Research 14.87% 1,148.68 1,000.00
MFS Growth with Income -4.69% 953.14 1,000.00
MFS Emerging Growth 46.32% 1,463.19 1,000.00
MFS Emerging Markets Equity 1.56% 1,015.55 1,000.00
MFS High Income -4.35% 956.49 1,000.00
MFS Global Governments -4.18% 958.24 1,000.00
Oppenheimer Capital Appreciation 27.36% 1,273.60 1,000.00
Oppenheimer Main Street G&I 0.28% 1,002.83 1,000.00
Oppenheimer High Income -6.15% 938.49 1,000.00
Oppenheimer Bond -3.90% 961.00 1,000.00
Oppenheimer Strategic Bond -1.56% 984.35 1,000.00
Putnam VT G&I -16.69% 833.09 1,000.00
Putnam VT New Value -15.51% 844.95 1,000.00
Putnam VT Vista 50.81% 1,508.12 1,000.00
Putnam VT Int'l Growth 36.83% 1,368.30 1,000.00
<PAGE>
Putnam VT Int'l New Opportunities 36.96% 1,369.56 1,000.00
Franklin Small Cap 60.03% 1,600.30 1,000.00
Templeton Growth Securities -14.19% 858.09 1,000.00
Templeton International Securities 6.56% 1,065.64 1,000.00
Templeton Developing Markets Securities -16.59% 834.13 1,000.00
Mutual Shares Securities -10.97% 890.33 1,000.00
Fidelity VIP Growth 19.87% 1,198.69 1,000.00
Fidelity VIP II Contrafund 4.02% 1,040.24 1,000.00
Fidelity VIP III Growth Opportunities -11.57% 884.35 1,000.00
Fidelity VIP III Growth & Income -7.06% 929.36 1,000.00
Fidelity VIP Equity-Income -14.05% 859.47 1,000.00
Franklin Large Cap Growth Securities 17.59% 1,175.86 1,000.00
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I Inception Return Data- Column A
As of 06/30/2000
<TABLE>
<CAPTION>
Sub-Account Transaction Amount Unit Transaction Unit Account
Value Units Balance Value
After After
Transaction Transaction
Cova Lord Abbett G&I 1.48 yrs
<S> <C> <C> <C> <C> <C> <C>
01/08/99 purchase 1,000.00 35.903757 27.8522 27.8522 1,000.00
01/10/00 annual fee (1.00) 39.326567 (0.0254) 27.8268 1,094.33
06/30/00 annual fee (1.00) 38.332296 (0.0261) 27.8007 1,065.66
06/30/00 surrender fee (45.00) 38.332296 (1.1739) 26.6268 1,020.67
Cova Bond Debenture 4.17 yrs
05/01/96 purchase 1,000.00 10.097690 99.0326 99.0326 1,000.00
05/01/97 annual fee (1.00) 11.516923 (0.0868) 98.9458 1,139.55
05/01/98 annual fee (1.00) 13.535615 (0.0739) 98.8719 1,338.29
05/03/99 annual fee (1.00) 13.805909 (0.0724) 98.7995 1,364.02
05/01/00 annual fee (1.00) 13.799163 (0.0725) 98.7270 1,362.35
06/30/00 annual fee (1.00) 13.863754 (0.0721) 98.6549 1,367.73
06/30/00 surrender fee (45.00) 13.863754 (3.2459) 95.4090 1,322.73
GACC Money Market 4.08 yrs
06/03/96 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/03/97 annual fee (1.00) 10.410578 (0.0961) 99.9039 1,040.06
06/03/98 annual fee (1.00) 10.858145 (0.0921) 99.8118 1,083.77
06/03/99 annual fee (1.00) 11.271281 (0.0887) 99.7231 1,124.01
06/05/00 annual fee (1.00) 11.751720 (0.0851) 99.6380 1,170.92
06/30/00 annual fee (1.00) 11.796544 (0.0848) 99.5532 1,174.38
06/30/00 surrender fee (45.00) 11.796544 (3.8147) 95.7385 1,129.38
Cova Developing Growth 2.86 yrs
08/20/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
<PAGE>
08/20/98 annual fee (1.00) 9.823023 (0.1018) 99.8982 981.30
08/20/99 annual fee (1.00) 12.172305 (0.0822) 99.8160 1,214.99
06/30/00 annual fee (1.00) 12.662512 (0.0790) 99.7370 1,262.92
06/30/00 surrender fee (45.00) 12.662512 (3.5538) 96.1832 1,217.92
Cova Large Cap Research 2.86 yrs
08/20/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
08/20/98 annual fee (1.00) 10.537316 (0.0949) 99.9051 1,052.73
08/20/99 annual fee (1.00) 12.925442 (0.0774) 99.8277 1,290.32
06/30/00 annual fee (1.00) 13.839213 (0.0723) 99.7554 1,380.54
06/30/00 surrender fee (45.00) 13.839213 (3.2516) 96.5038 1,335.54
Cova Mid-Cap Value 2.86 yrs
08/20/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
08/20/98 annual fee (1.00) 9.919404 (0.1008) 99.8992 990.94
08/20/99 annual fee (1.00) 11.429524 (0.0875) 99.8117 1,140.80
06/30/00 annual fee (1.00) 12.717044 (0.0786) 99.7331 1,268.31
06/30/00 surrender fee (45.00) 12.717044 (3.5386) 96.1945 1,223.31
Cova Quality Bond 4.17 yrs
05/01/96 purchase 1,000.00 9.897228 101.0384 101.0384 1,000.00
05/01/97 annual fee (1.00) 10.405141 (0.0961) 100.9423 1,050.32
05/01/98 annual fee (1.00) 11.356198 (0.0881) 100.8542 1,145.32
05/03/99 annual fee (1.00) 11.809700 (0.0847) 100.7695 1,190.06
05/01/00 annual fee (1.00) 11.716531 (0.0853) 100.6842 1,179.67
06/30/00 annual fee (1.00) 11.904320 (0.0840) 100.6002 1,197.58
06/30/00 surrender fee (45.00) 11.904320 (3.7801) 96.8201 1,152.58
Cova Small Cap Stock 4.17 yrs
05/01/96 purchase 1,000.00 10.512560 95.1243 95.1243 1,000.00
05/01/97 annual fee (1.00) 10.358427 (0.0965) 95.0278 984.34
05/01/98 annual fee (1.00) 14.969970 (0.0668) 94.9610 1,421.56
05/03/99 annual fee (1.00) 12.606262 (0.0793) 94.8817 1,196.10
05/01/00 annual fee (1.00) 12.606262 (0.0793) 94.8024 1,195.10
06/30/00 annual fee (1.00) 17.951555 (0.0557) 94.7467 1,700.85
06/30/00 surrender fee (45.00) 17.951555 (2.5067) 92.2400 1,655.85
Cova Large Cap Stock 4.17 yrs
05/01/96 purchase 1,000.00 10.003025 99.9698 99.9698 1,000.00
05/01/97 annual fee (1.00) 12.198198 (0.0820) 99.8878 1,218.45
05/01/98 annual fee (1.00) 17.502632 (0.0571) 99.8307 1,747.30
05/03/99 annual fee (1.00) 21.572882 (0.0464) 99.7843 2,152.63
05/01/00 annual fee (1.00) 22.347032 (0.0447) 99.7396 2,228.88
06/30/00 annual fee (1.00) 21.909564 (0.0456) 99.6940 2,184.25
06/30/00 surrender fee (45.00) 21.909564 (2.0539) 97.6401 2,139.25
Cova Select Equity 4.17 yrs
05/01/96 purchase 1,000.00 10.083890 99.1681 99.1681 1,000.00
05/01/97 annual fee (1.00) 11.445501 (0.0874) 99.0807 1,134.03
05/01/98 annual fee (1.00) 16.125129 (0.0620) 99.0187 1,596.69
05/03/99 annual fee (1.00) 18.567838 (0.0539) 98.9648 1,837.56
05/01/00 annual fee (1.00) 18.350911 (0.0545) 98.9103 1,815.09
<PAGE>
06/30/00 annual fee (1.00) 18.072857 (0.0553) 98.8550 1,786.59
06/30/00 surrender fee (45.00) 18.072857 (2.4899) 96.3651 1,741.59
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C>
Cova Int'l Equity 4.17 yrs
05/01/96 purchase 1,000.00 10.214899 97.8962 97.8962 1,000.00
05/01/97 annual fee (1.00) 11.135715 (0.0898) 97.8064 1,089.14
05/01/98 annual fee (1.00) 13.138587 (0.0761) 97.7303 1,284.04
05/03/99 annual fee (1.00) 13.586693 (0.0736) 97.6567 1,326.83
05/01/00 annual fee (1.00) 15.597266 (0.0641) 97.5926 1,522.18
06/30/00 annual fee (1.00) 15.563465 (0.0643) 97.5283 1,517.88
06/30/00 surrender fee (45.00) 15.563465 (2.8914) 94.6369 1,472.88
Cova Balanced 3.00 yrs
07/01/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
07/01/98 annual fee (1.00) 11.236058 (0.0890) 99.9110 1,122.61
07/01/99 annual fee (1.00) 12.590207 (0.0794) 99.8316 1,256.90
06/30/00 annual fee (1.00) 12.345038 (0.0810) 99.7506 1,231.42
06/30/00 surrender fee (45.00) 12.345038 (3.6452) 96.1054 1,186.42
Cova Equity Income 3.00 yrs
07/01/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
07/01/98 annual fee (1.00) 12.418195 (0.0805) 99.9195 1,240.82
07/01/99 annual fee (1.00) 13.363970 (0.0748) 99.8447 1,334.32
06/30/00 annual fee (1.00) 11.743546 (0.0852) 99.7595 1,171.53
06/30/00 surrender fee (45.00) 11.743546 (3.8319) 95.9276 1,126.53
Cova G&I Equity 3.00 yrs
07/01/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
07/01/98 annual fee (1.00) 11.941375 (0.0837) 99.9163 1,193.14
07/01/99 annual fee (1.00) 13.889347 (0.0720) 99.8443 1,386.77
06/30/00 annual fee (1.00) 13.631616 (0.0734) 99.7709 1,360.04
06/30/00 surrender fee (45.00) 13.631616 (3.3011) 96.4698 1,315.04
Russell Multi-Style Equity 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 12.694810 (0.0788) 99.9212 1,268.48
12/31/99 annual fee (1.00) 14.667724 (0.0682) 99.8530 1,464.62
06/30/00 annual fee (1.00) 13.928688 (0.0718) 99.7812 1,389.82
06/30/00 surrender fee (45.00) 13.928688 (3.2307) 96.5505 1,344.82
Russell Aggressive Equity 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 9.963254 (0.1004) 99.8996 995.33
12/31/99 annual fee (1.00) 10.422234 (0.0959) 99.8037 1,040.18
06/30/00 annual fee (1.00) 10.702095 (0.0934) 99.7103 1,067.11
06/30/00 surrender fee (45.00) 10.702095 (4.2048) 95.5055 1,022.11
Russell Non-U.S. 2.50 yrs
<PAGE>
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.142092 (0.0897) 99.9103 1,113.21
12/31/99 annual fee (1.00) 14.652149 (0.0682) 99.8421 1,462.90
06/30/00 annual fee (1.00) 13.871347 (0.0721) 99.7700 1,383.94
06/30/00 surrender fee (45.00) 13.871347 (3.2441) 96.5259 1,338.94
Russell Core Bond 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 10.591175 (0.0944) 99.9056 1,058.12
12/31/99 annual fee (1.00) 10.380043 (0.0963) 99.8093 1,036.02
06/30/00 annual fee (1.00) 10.687613 (0.0936) 99.7157 1,065.72
06/30/00 surrender fee (45.00) 10.687613 (4.2105) 95.5052 1,020.72
Russell Real Estate Securities 1.00 yrs
07/01/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.429445 (0.0959) 99.9041 1,041.94
06/30/00 surrender fee (50.00) 10.429445 (4.7941) 95.1100 991.94
AIM V.I. Value 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 13.060203 (0.0766) 99.9234 1,305.02
12/31/99 annual fee (1.00) 13.729131 (0.0728) 99.8506 1,370.86
06/30/00 annual fee (1.00) 16.568145 (0.0604) 99.7902 1,653.34
06/30/00 surrender fee (45.00) 16.568145 (2.7161) 97.0741 1,608.34
AIM V.I. Capital Appreciation 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.770729 (0.0850) 99.9150 1,176.07
12/31/99 annual fee (1.00) 16.785351 (0.0596) 99.8554 1,676.11
06/30/00 annual fee (1.00) 18.041220 (0.0554) 99.8000 1,800.51
06/30/00 surrender fee (45.00) 18.041220 (2.4943) 97.3057 1,755.51
AIM V.I. Int'l Equity 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.391449 (0.0878) 99.9122 1,138.14
12/31/99 annual fee (1.00) 17.416663 (0.0574) 99.8548 1,739.14
06/30/00 annual fee (1.00) 15.418889 (0.0649) 99.7899 1,538.65
06/30/00 surrender fee (45.00) 15.418889 (2.9185) 96.8714 1,493.65
Alliance Premier Growth 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 14.595485 (0.0685) 99.9315 1,458.55
12/31/99 annual fee (1.00) 19.043436 (0.0525) 99.8790 1,902.04
06/30/00 annual fee (1.00) 19.492351 (0.0513) 99.8277 1,945.88
06/30/00 surrender fee (45.00) 19.492351 (2.3086) 97.5191 1,900.88
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C>
Alliance Real Estate Investment 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
<PAGE>
12/31/98 annual fee (1.00) 7.988435 (0.1252) 99.8748 797.84
12/31/99 annual fee (1.00) 7.474763 (0.1338) 99.7410 745.54
06/30/00 annual fee (1.00) 8.607622 (0.1162) 99.6248 857.53
06/30/00 surrender fee (45.00) 8.607622 (5.2279) 94.3969 812.53
Liberty Newport Tiger, Variable Series 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 9.228765 (0.1084) 99.8916 921.88
12/31/99 annual fee (1.00) 15.290670 (0.0654) 99.8262 1,526.41
06/30/00 annual fee (1.00) 15.126104 (0.0661) 99.7601 1,508.98
06/30/00 surrender fee (45.00) 15.126104 (2.9750) 96.7851 1,463.98
Goldman Sachs G&I 2.42 yrs
01/29/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
01/29/99 annual fee (1.00) 9.973396 (0.1003) 99.8997 996.34
01/31/00 annual fee (1.00) 9.824094 (0.1018) 99.7979 980.42
06/30/00 annual fee (1.00) 10.302878 (0.0971) 99.7008 1,027.21
06/30/00 surrender fee (45.00) 10.302878 (4.3677) 95.3331 982.21
Goldman Sachs Int'l Equity 2.42 yrs
01/29/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
01/29/99 annual fee (1.00) 11.581610 (0.0863) 99.9137 1,157.16
01/31/00 annual fee (1.00) 14.092492 (0.0710) 99.8427 1,407.03
06/30/00 annual fee (1.00) 14.489526 (0.0690) 99.7737 1,445.67
06/30/00 surrender fee (45.00) 14.489526 (3.1057) 96.6680 1,400.67
Goldman Sachs Global Income 2.42 yrs
01/29/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
01/29/99 purchase (1.00) 10.874138 (0.0920) 99.9080 1,086.41
01/31/00 annual fee (1.00) 10.522377 (0.0950) 99.8130 1,050.27
06/30/00 annual fee (1.00) 10.791236 (0.0927) 99.7203 1,076.11
06/30/00 surrender fee (45.00) 10.791236 (4.1701) 95.5502 1,031.10
Templeton Global Income Securities 1.34 yrs
02/26/99 purchase 1,000.00 10.161238 98.4132 98.4132 1,000.00
02/29/00 annual fee (1.00) 9.659067 (0.1035) 98.3097 949.58
06/30/00 annual fee (1.00) 9.719245 (0.1029) 98.2068 954.50
06/30/00 surrender fee (45.00) 9.719245 (4.6300) 93.5768 909.50
Kemper Dreman High Return 2.13 yrs
05/15/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
05/17/99 annual fee (1.00) 11.054279 (0.0905) 99.9095 1,104.43
05/15/00 annual fee (1.00) 9.629523 (0.1038) 99.8057 961.08
06/30/00 annual fee (1.00) 9.311980 (0.1074) 99.6983 928.39
06/30/00 surrender fee (45.00) 9.311980 (4.8325) 94.8658 883.39
Kemper Small Cap Growth 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.676086 (0.0856) 99.9144 1,166.61
12/31/99 annual fee (1.00) 15.493396 (0.0645) 99.8499 1,547.01
06/30/00 annual fee (1.00) 16.755788 (0.0597) 99.7902 1,672.06
06/30/00 surrender fee (45.00) 16.755788 (2.6856) 97.1046 1,627.06
<PAGE>
Kemper Small Cap Value 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 8.753222 (0.1142) 99.8858 874.32
12/31/99 annual fee (1.00) 8.872647 (0.1127) 99.7731 885.25
06/30/00 annual fee (1.00) 8.645645 (0.1157) 99.6574 861.60
06/30/00 surrender fee (45.00) 8.645645 (5.2049) 94.4525 816.60
Kemper Government Securities 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 10.556498 (0.0947) 99.9053 1,054.65
12/31/99 annual fee (1.00) 10.480981 (0.0954) 99.8099 1,046.11
06/30/00 annual fee (1.00) 10.817828 (0.0924) 99.7175 1,078.73
06/30/00 surrender fee (45.00) 10.817828 (4.1598) 95.5577 1,033.73
MFS Bond 2.13 yrs
05/15/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
05/17/99 annual fee (1.00) 10.386737 (0.0963) 99.9037 1,037.67
05/15/00 annual fee (1.00) 10.048405 (0.0995) 99.8042 1,002.87
06/30/00 annual fee (1.00) 10.381962 (0.0963) 99.7079 1,035.16
06/30/00 surrender fee (45.00) 10.381962 (4.3344) 95.3735 990.16
MFS Research 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 12.172796 (0.0822) 99.9178 1,216.28
12/31/99 annual fee (1.00) 14.890281 (0.0672) 99.8506 1,486.80
06/30/00 annual fee (1.00) 15.719904 (0.0636) 99.7870 1,568.64
06/30/00 surrender fee (45.00) 15.719904 (2.8626) 96.9244 1,523.64
MFS Growth with Income 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 12.066568 (0.0829) 99.9171 1,205.66
12/31/99 annual fee (1.00) 12.695264 (0.0788) 99.8383 1,267.47
06/30/00 annual fee (1.00) 12.672237 (0.0789) 99.7594 1,264.17
06/30/00 surrender fee (45.00) 12.672237 (3.5511) 96.2083 1,219.17
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C>
MFS Emerging Growth 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 13.233235 (0.0756) 99.9244 1,322.32
12/31/99 annual fee (1.00) 23.059667 (0.0434) 99.8810 2,303.22
06/30/00 annual fee (1.00) 22.373757 (0.0447) 99.8363 2,233.71
06/30/00 surrender fee (45.00) 22.373757 (2.0113) 97.8250 2,188.71
MFS Emerging Markets Equity 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 6.571830 (0.1522) 99.8478 656.18
12/31/99 annual fee (1.00) 8.954559 (0.1117) 99.7361 893.09
06/30/00 annual fee (1.00) 8.477690 (0.1180) 99.6181 844.53
06/30/00 surrender fee (45.00) 8.477690 (5.3080) 94.3101 799.53
<PAGE>
MFS High Income 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 9.845193 (0.1016) 99.8984 983.52
12/31/99 annual fee (1.00) 10.334082 (0.0968) 99.8016 1,031.36
06/30/00 annual fee (1.00) 10.287885 (0.0972) 99.7044 1,025.75
06/30/00 surrender fee (45.00) 10.287885 (4.3741) 95.3303 980.75
MFS Global Governments 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 10.669943 (0.0937) 99.9063 1,065.99
12/31/99 annual fee (1.00) 10.258675 (0.0975) 99.8088 1,023.91
06/30/00 annual fee (1.00) 10.333793 (0.0968) 99.7120 1,030.40
06/30/00 surrender fee (45.00) 10.333793 (4.3546) 95.3574 985.40
Oppenheimer Capital Appreciation 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 12.232731 (0.0817) 99.9183 1,222.27
12/31/99 annual fee (1.00) 17.087450 (0.0585) 99.8598 1,706.35
06/30/00 annual fee (1.00) 18.566723 (0.0539) 99.8059 1,853.07
06/30/00 surrender fee (45.00) 18.566723 (2.4237) 97.3822 1,808.07
Oppenheimer Main Street G&I 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 10.326519 (0.0968) 99.9032 1,031.65
12/31/99 annual fee (1.00) 12.393263 (0.0807) 99.8225 1,237.13
06/30/00 annual fee (1.00) 12.330645 (0.0811) 99.7414 1,229.88
06/30/00 surrender fee (45.00) 12.330645 (3.6494) 96.0920 1,184.88
Oppenheimer High Income 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 9.893828 (0.1011) 99.8989 988.38
12/31/99 annual fee (1.00) 10.174699 (0.0983) 99.8006 1,015.44
06/30/00 annual fee (1.00) 10.040776 (0.0996) 99.7010 1,001.08
06/30/00 surrender fee (45.00) 10.040776 (4.4817) 95.2193 956.08
Oppenheimer Bond 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 9.893828 (0.1011) 99.8989 988.38
12/31/99 annual fee (1.00) 10.228856 (0.0978) 99.8011 1,020.85
06/30/00 annual fee (1.00) 10.355393 (0.0966) 99.7045 1,032.48
06/30/00 surrender fee (45.00) 10.355393 (4.3456) 95.3589 987.48
Oppenheimer Strategic Bond 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 10.151332 (0.0985) 99.9015 1,014.13
12/31/99 annual fee (1.00) 10.293168 (0.0972) 99.8043 1,027.30
06/30/00 annual fee (1.00) 10.401260 (0.0961) 99.7082 1,037.09
06/30/00 surrender fee (45.00) 10.401260 (4.3264) 95.3818 992.09
Putnam VT G&I 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.382650 (0.0879) 99.9121 1,137.26
<PAGE>
12/31/99 annual fee (1.00) 11.402482 (0.0877) 99.8244 1,138.25
06/30/00 annual fee (1.00) 10.991248 (0.0910) 99.7334 1,096.19
06/30/00 surrender fee (45.00) 10.991248 (4.0942) 95.6392 1,051.19
Putnam VT New Value 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 10.483517 (0.0954) 99.9046 1,047.35
12/31/99 annual fee (1.00) 10.365439 (0.0965) 99.8081 1,034.55
06/30/00 annual fee (1.00) 10.602228 (0.0943) 99.7138 1,057.19
06/30/00 surrender fee (45.00) 10.602228 (4.2444) 95.4694 1,012.19
Putnam VT Vista 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.785702 (0.0848) 99.9152 1,177.57
12/31/99 annual fee (1.00) 17.769589 (0.0563) 99.8589 1,774.45
06/30/00 annual fee (1.00) 20.512958 (0.0487) 99.8102 2,047.40
06/30/00 surrender fee (45.00) 20.512958 (2.1937) 97.6165 2,002.40
Putnam VT Int'l Growth 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.707003 (0.0854) 99.9146 1,169.70
12/31/99 annual fee (1.00) 18.486388 (0.0541) 99.8605 1,846.06
06/30/00 annual fee (1.00) 18.473876 (0.0541) 99.8064 1,843.81
06/30/00 surrender fee (45.00) 18.473876 (2.4359) 97.3705 1,798.81
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C>
Putnam VT Int'l New Opportunities 2.50 yrs
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
12/31/98 annual fee (1.00) 11.402252 (0.0877) 99.9123 1,139.23
12/31/99 annual fee (1.00) 22.820083 (0.0438) 99.8685 2,279.01
06/30/00 annual fee (1.00) 19.161943 (0.0522) 99.8163 1,912.67
06/30/00 surrender fee (45.00) 19.161943 (2.3484) 97.4679 1,867.67
Franklin Small Cap 1.34 yrs
02/26/99 purchase 1,000.00 9.146750 109.3284 109.3284 1,000.00
02/29/00 annual fee (1.00) 22.830567 (0.0438) 109.2846 2,495.03
06/30/00 annual fee (1.00) 18.327900 (0.0546) 109.2300 2,001.96
06/30/00 surrender fee (45.00) 18.327900 (2.4553) 106.7747 1,956.96
Templeton Growth Securities 1.42 yrs
01/29/99 purchase 1,000.00 12.640651 79.1098 79.1098 1,000.00
01/31/00 annual fee (1.00) 14.268455 (0.0701) 79.0397 1,127.77
06/30/00 annual fee (1.00) 12.908891 (0.0775) 78.9622 1,019.31
06/30/00 surrender fee (45.00) 12.908891 (3.4860) 75.4762 974.31
Templeton International Securities 2.17 yrs
05/01/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
05/03/99 annual fee (1.00) 9.996786 (0.1000) 99.9000 998.68
05/01/00 annual fee (1.00) 10.522859 (0.0950) 99.8050 1,050.23
<PAGE>
06/30/00 annual fee (1.00) 11.133034 (0.0898) 99.7152 1,110.13
06/30/00 surrender fee (45.00) 11.133034 (4.0420) 95.6732 1,065.13
Templeton Developing Markets Securities 2.17 yrs
05/01/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
05/03/99 annual fee (1.00) 9.972042 (0.1003) 99.8997 996.20
05/01/00 annual fee (1.00) 9.605212 (0.1041) 99.7956 958.56
06/30/00 annual fee (1.00) 9.450044 (0.1058) 99.6898 942.07
06/30/00 surrender fee (45.00) 9.450044 (4.7619) 94.9279 897.07
Mutual Shares Securities 2.17 yrs
04/30/98 purchase 1,000.00 10.754384 92.9853 92.9853 1,000.00
04/30/99 annual fee (1.00) 10.801404 (0.0926) 92.8927 1,003.37
04/28/00 annual fee (1.00) 10.443551 (0.0958) 92.7969 969.13
06/30/00 annual fee (1.00) 10.393821 (0.0962) 92.7007 963.51
06/30/00 surrender fee (45.00) 10.393821 (4.3295) 88.3712 918.51
Fidelity VIP Growth 2.37 yrs
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
02/17/99 annual fee (1.00) 13.296297 (0.0752) 99.9248 1,328.63
02/17/00 annual fee (1.00) 18.211823 (0.0549) 99.8699 1,818.81
06/30/00 annual fee (1.00) 18.495968 (0.0541) 99.8158 1,846.19
06/30/00 surrender fee (45.00) 18.495968 (2.4330) 97.3828 1,801.19
Fidelity VIP II Contrafund 2.37 yrs
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
02/17/99 annual fee (1.00) 12.429231 (0.0805) 99.9195 1,241.92
02/17/00 annual fee (1.00) 15.048821 (0.0665) 99.8530 1,502.67
06/30/00 annual fee (1.00) 14.830226 (0.0674) 99.7856 1,479.84
06/30/00 surrender fee (45.00) 14.830226 (3.0343) 96.7513 1,434.84
Fidelity VIP III Growth Opportunities 2.37 yrs
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
02/17/99 annual fee (1.00) 11.255274 (0.0888) 99.9112 1,124.53
02/17/00 annual fee (1.00) 11.220465 (0.0891) 99.8221 1,120.05
06/30/00 annual fee (1.00) 11.551805 (0.0866) 99.7355 1,152.13
06/30/00 surrender fee (45.00) 11.551805 (3.8955) 95.8400 1,107.12
Fidelity VIP III Growth & Income 2.37 yrs
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
02/17/99 annual fee (1.00) 12.066871 (0.0829) 99.9171 1,205.69
02/17/00 annual fee (1.00) 12.256146 (0.0816) 99.8355 1,223.60
06/30/00 annual fee (1.00) 12.753894 (0.0784) 99.7571 1,272.29
06/30/00 surrender fee (45.00) 12.753894 (3.5283) 96.2288 1,227.29
Fidelity VIP Equity-Income 2.37 yrs
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
02/17/99 annual fee (1.00) 10.322067 (0.0969) 99.9031 1,031.21
02/17/00 annual fee (1.00) 10.063265 (0.0994) 99.8037 1,004.35
06/30/00 annual fee (1.00) 10.768881 (0.0929) 99.7108 1,073.77
06/30/00 surrender fee (45.00) 10.768881 (4.1787) 95.5321 1,028.77
<PAGE>
Franklin Large Cap Growth Securities 1.34 yrs
02/26/99 purchase 1,000.00 11.885551 84.1358 84.1358 1,000.00
02/29/00 annual fee (1.00) 16.330081 (0.0612) 84.0746 1,372.95
06/30/00 annual fee (1.00) 16.245735 (0.0616) 84.0130 1,364.85
06/30/00 surrender fee (45.00) 16.245735 (2.7700) 81.2430 1,319.85
American Century VP Income & Growth 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 9.881908 (0.1012) 99.8988 987.19
06/30/00 surrender fee (50.00) 9.881908 (5.0598) 94.8390 937.19
American Century VP Int'l 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 11.681090 (0.0856) 99.9144 1,167.11
06/30/00 surrender fee (50.00) 11.681090 (4.2804) 95.6340 1,117.11
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C> <C>
American Century VP Value 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 9.134570 (0.1095) 99.8905 912.46
06/30/00 surrender fee (50.00) 9.134570 (5.4737) 94.4168 862.46
Dreyfus Stock Index 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.192918 (0.0981) 99.9019 1,018.29
06/30/00 surrender fee (50.00) 10.192918 (4.9054) 94.9965 968.29
Dreyfus VIF Disciplined Stock 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.248073 (0.0976) 99.9024 1,023.81
06/30/00 surrender fee (50.00) 10.248073 (4.8790) 95.0234 973.81
Dreyfus VIF Capital Appreciation 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.318338 (0.0969) 99.9031 1,030.83
06/30/00 surrender fee (50.00) 10.318338 (4.8457) 95.0574 980.83
INVESCO VIF Dynamics 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 12.577864 (0.0795) 99.9205 1,256.79
06/30/00 surrender fee (50.00) 12.577864 (3.9752) 95.9453 1,206.79
INVESCO VIF High Yield 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 9.916148 (0.1008) 99.8992 990.62
06/30/00 surrender fee (50.00) 9.916148 (5.0423) 94.8569 940.62
PIMCO High Yield Bond 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
<PAGE>
06/30/00 annual fee (1.00) 9.921480 (0.1008) 99.8992 991.15
06/30/00 surrender fee (50.00) 9.921480 (5.0396) 94.8596 941.15
PIMCO Low Duration Bond 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.237156 (0.0977) 99.9023 1,022.72
06/30/00 surrender fee (50.00) 10.237156 (4.8842) 95.0181 972.72
PIMCO StocksPLUS G&I 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.106029 (0.0990) 99.9010 1,009.60
06/30/00 surrender fee (50.00) 10.106029 (4.9475) 94.9535 959.60
PIMCO Total Return Bond 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.136013 (0.0987) 99.9013 1,012.60
06/30/00 surrender fee (50.00) 10.136013 (4.9329) 94.9684 962.60
Scudder Int'l 0.61 yrs
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000 1,000.00
06/30/00 annual fee (1.00) 10.288987 (0.0972) 99.9028 1,027.90
06/30/00 surrender fee (50.00) 10.288987 (4.8596) 95.0432 977.90
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I Inception Returns- Column A
06/30/00
<TABLE>
<CAPTION>
Sub-Account Annualized Account Initial
Inception Value Investment
Return
<S> <C> <C> <C>
Cova Lord Abbett G&I 1.40% 1,020.67 1,000.00
Cova Bond Debenture 6.94% 1,322.73 1,000.00
GACC Money Market 3.03% 1,129.38 1,000.00
Cova Developing Growth 7.13% 1,217.92 1,000.00
Cova Large Cap Research 10.63% 1,335.54 1,000.00
Cova Mid-Cap Value 7.29% 1,223.31 1,000.00
Cova Quality Bond 3.47% 1,152.58 1,000.00
Cova Small Cap Stock 12.86% 1,655.85 1,000.00
Cova Large Cap Stock 20.02% 2,139.25 1,000.00
Cova Select Equity 14.24% 1,741.59 1,000.00
Cova Int'l Equity 9.74% 1,472.88 1,000.00
Cova Balanced 5.86% 1,186.42 1,000.00
Cova Equity Income 4.05% 1,126.53 1,000.00
Cova G&I Equity 9.56% 1,315.04 1,000.00
Russell Multi-Style Equity 12.59% 1,344.82 1,000.00
Russell Aggressive Equity 0.88% 1,022.11 1,000.00
<PAGE>
Russell Non-U.S. 12.39% 1,338.94 1,000.00
Russell Core Bond 0.82% 1,020.72 1,000.00
Russell Real Estate Securities (1) -0.81% 991.94 1,000.00
AIM V.I. Value 20.95% 1,608.34 1,000.00
AIM V.I. Capital Appreciation 25.26% 1,755.51 1,000.00
AIM V.I. Int'l Equity 17.42% 1,493.65 1,000.00
Alliance Premier Growth 29.31% 1,900.88 1,000.00
Alliance Real Estate Investment -7.97% 812.53 1,000.00
Liberty Newport Tiger, Variable Series 16.48% 1,463.98 1,000.00
Goldman Sachs G&I -0.74% 982.21 1,000.00
Goldman Sachs Int'l Equity 14.94% 1,400.67 1,000.00
Goldman Sachs Global Income 1.27% 1,031.10 1,000.00
Templeton Global Income Securities -6.82% 909.50 1,000.00
Kemper Dreman High Return -5.66% 883.39 1,000.00
Kemper Small Cap Growth 21.51% 1,627.06 1,000.00
Kemper Small Cap Value -7.79% 816.60 1,000.00
Kemper Government Securities 1.34% 1,033.73 1,000.00
MFS Bond -0.46% 990.16 1,000.00
MFS Research 18.36% 1,523.64 1,000.00
MFS Growth with Income 8.25% 1,219.17 1,000.00
MFS Emerging Growth 36.82% 2,188.71 1,000.00
MFS Emerging Markets Equity -8.56% 799.53 1,000.00
MFS High Income -0.77% 980.75 1,000.00
MFS Global Governments -0.59% 985.40 1,000.00
Oppenheimer Capital Appreciation 26.75% 1,808.07 1,000.00
Oppenheimer Main Street G&I 7.03% 1,184.88 1,000.00
Oppenheimer High Income -1.78% 956.08 1,000.00
Oppenheimer Bond -0.50% 987.48 1,000.00
Oppenheimer Strategic Bond -0.32% 992.09 1,000.00
Putnam VT G&I 2.02% 1,051.19 1,000.00
Putnam VT New Value 0.49% 1,012.19 1,000.00
Putnam VT Vista 32.03% 2,002.40 1,000.00
Putnam VT Int'l Growth 26.49% 1,798.81 1,000.00
Putnam VT Int'l New Opportunities 28.40% 1,867.67 1,000.00
Franklin Small Cap 64.89% 1,956.96 1,000.00
Templeton Growth Securities -1.82% 974.31 1,000.00
Templeton International Securities 2.95% 1,065.13 1,000.00
Templeton Developing Markets Securities -4.89% 897.07 1,000.00
Mutual Shares Securities -3.84% 918.51 1,000.00
Fidelity VIP Growth 28.22% 1,801.19 1,000.00
Fidelity VIP II Contrafund 16.48% 1,434.84 1,000.00
Fidelity VIP III Growth Opportunities 4.39% 1,107.12 1,000.00
Fidelity VIP III Growth & Income 9.04% 1,227.29 1,000.00
Fidelity VIP Equity-Income 1.21% 1,028.77 1,000.00
Franklin Large Cap Growth Securities 22.96% 1,319.85 1,000.00
American Century VP Income & Growth (1) -6.28% 937.19 1,000.00
American Century VP Int'l (1) 11.71% 1,117.11 1,000.00
American Century VP Value (1) -13.75% 862.46 1,000.00
Dreyfus Stock Index (1) -3.17% 968.29 1,000.00
Dreyfus VIF Disciplined Stock (1) -2.62% 973.81 1,000.00
Dreyfus VIF Capital Appreciation (1) -1.92% 980.83 1,000.00
INVESCO VIF Dynamics (1) 20.68% 1,206.79 1,000.00
<PAGE>
INVESCO VIF High Yield (1) -5.94% 940.62 1,000.00
PIMCO High Yield Bond (1) -5.89% 941.15 1,000.00
PIMCO Low Duration Bond (1) -2.73% 972.72 1,000.00
PIMCO StocksPLUS G&I (1) -4.04% 959.60 1,000.00
PIMCO Total Return Bond (1) -3.74% 962.60 1,000.00
Scudder Int'l (1) -2.21% 977.90 1,000.00
(1)Returns are not annualized for sub-accounts in existence less than 1 year.
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I 1 Year Return Data- Column B
As of 06/30/2000
<TABLE>
<CAPTION>
Sub-Account Transaction Amount Unit Transaction Unit
Value Units Balance
After
Transaction
Cova Lord Abbett G&I
<S> <C> <C> <C> <C> <C>
06/30/99 purchase 1,000.00 39.095065 25.5787 25.5787
06/30/00 annual fee 38.332296 - 25.5787
06/30/00 surrender fee 38.332296 - 25.5787
Cova Bond Debenture
06/30/99 purchase 1,000.00 13.536168 73.8762 73.8762
06/30/00 annual fee 13.863754 - 73.8762
06/30/00 surrender fee 13.863754 - 73.8762
GACC Money Market
06/30/99 purchase 1,000.00 11.299196 88.5019 88.5019
06/30/00 annual fee 11.796544 - 88.5019
06/30/00 surrender fee 11.796544 - 88.5019
Cova Developing Growth
06/30/99 purchase 1,000.00 12.724192 78.5905 78.5905
06/30/00 annual fee 12.662512 - 78.5905
06/30/00 surrender fee 12.662512 - 78.5905
Cova Large Cap Research
06/30/99 purchase 1,000.00 13.320553 75.0720 75.0720
06/30/00 annual fee 13.839213 - 75.0720
06/30/00 surrender fee 13.839213 - 75.0720
Cova Mid-Cap Value
06/30/99 purchase 1,000.00 11.560414 86.5021 86.5021
06/30/00 annual fee 12.717044 - 86.5021
<PAGE>
06/30/00 surrender fee 12.717044 - 86.5021
Cova Quality Bond
06/30/99 purchase 1,000.00 11.582126 86.3399 86.3399
06/30/00 annual fee 11.904320 - 86.3399
06/30/00 surrender fee 11.904320 - 86.3399
Cova Small Cap Stock
06/30/99 purchase 1,000.00 13.249386 75.4752 75.4752
06/30/00 annual fee 17.951555 - 75.4752
06/30/00 surrender fee 17.951555 - 75.4752
Cova Large Cap Stock
06/30/99 purchase 1,000.00 21.760453 45.9549 45.9549
06/30/00 annual fee 21.909564 - 45.9549
06/30/00 surrender fee 21.909564 - 45.9549
Cova Select Equity
06/30/99 purchase 1,000.00 18.786819 53.2288 53.2288
06/30/00 annual fee 18.072857 - 53.2288
06/30/00 surrender fee 18.072857 - 53.2288
Cova Int'l Equity
06/30/99 purchase 1,000.00 13.530211 73.9087 73.9087
06/30/00 annual fee 15.563465 - 73.9087
06/30/00 surrender fee 15.563465 - 73.9087
Cova Balanced
06/30/99 Purchase 1,000.00 12.542349 79.7299 79.7299
06/30/00 Annual Fee 12.345038 - 79.7299
06/30/00 Surrender 12.345038 - 79.7299
Cova Equity Income
06/30/99 Purchase 1,000.00 13.329239 75.0230 75.0230
06/30/00 Annual Fee 11.743546 - 75.0230
06/30/00 Surrender 11.743546 - 75.0230
Cova G&I Equity
06/30/99 Purchase 1,000.00 13.783946 72.5482 72.5482
06/30/00 Annual Fee 13.631616 - 72.5482
06/30/00 Surrender 13.631616 - 72.5482
Russell Multi-Style Equity
06/30/99 purchase 1,000.00 14.136244 70.7401 70.7401
06/30/00 annual fee 13.928688 - 70.7401
06/30/00 surrender fee 13.928688 - 70.7401
Russell Aggressive Equity
06/30/99 purchase 1,000.00 9.994595 100.0541 100.0541
06/30/00 annual fee 10.702095 - 100.0541
06/30/00 surrender fee 10.702095 - 100.0541
</TABLE>
<PAGE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
Russell Non-U.S.
06/30/99 purchase 1,000.00 11.843135 84.4371 84.4371
06/30/00 annual fee 13.871347 - 84.4371
06/30/00 surrender fee 13.871347 - 84.4371
Russell Core Bond
06/30/99 purchase 1,000.00 10.400162 96.1523 96.1523
06/30/00 annual fee 10.687613 - 96.1523
06/30/00 surrender fee 10.687613 - 96.1523
AIM V.I. Value
06/30/99 purchase 1,000.00 14.842562 67.3738 67.3738
06/30/00 annual fee 16.568145 - 67.3738
06/30/00 surrender fee 16.568145 - 67.3738
AIM V.I. Capital Appreciation
06/30/99 purchase 1,000.00 12.802441 78.1101 78.1101
06/30/00 annual fee 18.041220 - 78.1101
06/30/00 surrender fee 18.041220 - 78.1101
AIM V.I. Int'l Equity
06/30/99 purchase 1,000.00 11.814369 84.6427 84.6427
06/30/00 annual fee 15.418889 - 84.6427
06/30/00 surrender fee 15.418889 - 84.6427
Alliance Premier Growth
06/30/99 purchase 1,000.00 16.395203 60.9935 60.9935
06/30/00 annual fee 19.492351 - 60.9935
06/30/00 surrender fee 19.492351 - 60.9935
Alliance Real Estate Investment
06/30/99 purchase 1,000.00 8.410331 118.9014 118.9014
06/30/00 annual fee 8.607622 - 118.9014
06/30/00 surrender fee 8.607622 - 118.9014
Liberty Newport Tiger, Variable Series
06/30/99 purchase 1,000.00 11.850543 84.3843 84.3843
06/30/00 annual fee 15.126104 - 84.3843
06/30/00 surrender fee 15.126104 - 84.3843
Goldman Sachs G&I
06/30/99 purchase 1,000.00 10.866470 92.0262 92.0262
06/30/00 annual fee 10.302878 - 92.0262
06/30/00 surrender fee 10.302878 - 92.0262
Goldman Sachs Int'l Equity
06/30/99 purchase 1,000.00 11.628506 85.9956 85.9956
06/30/00 annual fee 14.489526 - 85.9956
<PAGE>
06/30/00 surrender fee 14.489526 - 85.9956
Goldman Sachs Global Income
06/30/99 purchase 1,000.00 10.551525 94.7730 94.7730
06/30/00 annual fee 10.791236 - 94.7730
06/30/00 surrender fee 10.791236 - 94.7730
Templeton Global Income Securities
06/30/99 purchase 1,000.00 9.917675 100.8301 100.8301
06/30/00 annual fee 9.719245 - 100.8301
06/30/00 surrender fee 9.719245 - 100.8301
Kemper Dreman High Return
06/30/99 purchase 1,000.00 10.988298 91.0059 91.0059
06/30/00 surrender fee 9.311980 - 91.0059
06/30/00 surrender fee 9.311980 - 91.0059
Kemper Small Cap Growth
06/30/99 purchase 1,000.00 12.075969 82.8091 82.8091
06/30/00 annual fee 16.755788 - 82.8091
06/30/00 surrender fee 16.755788 - 82.8091
Kemper Small Cap Value
06/30/99 purchase 1,000.00 9.212540 108.5477 108.5477
06/30/00 annual fee 8.645645 - 108.5477
06/30/00 surrender fee 8.645645 - 108.5477
Kemper Government Securities
06/30/99 purchase 1,000.00 10.486805 95.3579 95.3579
06/30/00 annual fee 10.817828 - 95.3579
06/30/00 surrender fee 10.817828 - 95.3579
MFS Bond
06/30/99 purchase 1,000.00 10.294147 97.1426 97.1426
06/30/00 surrender fee 10.381962 - 97.1426
06/30/00 surrender fee 10.381962 - 97.1426
MFS Research
06/30/99 purchase 1,000.00 13.158217 75.9981 75.9981
06/30/00 annual fee 15.719904 - 75.9981
06/30/00 surrender fee 15.719904 - 75.9981
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
MFS Growth with Income
06/30/99 purchase 1,000.00 12.683197 78.8445 78.8445
06/30/00 annual fee 12.672237 - 78.8445
06/30/00 surrender fee 12.672237 - 78.8445
MFS Emerging Growth
<PAGE>
06/30/99 purchase 1,000.00 14.825001 67.4536 67.4536
06/30/00 annual fee 22.373757 - 67.4536
06/30/00 surrender fee 22.373757 - 67.4536
MFS Emerging Markets Equity
06/30/99 purchase 1,000.00 7.986146 125.2168 125.2168
06/30/00 annual fee 8.477690 - 125.2168
06/30/00 surrender fee 8.477690 - 125.2168
MFS High Income
06/30/99 purchase 1,000.00 10.262353 97.4435 97.4435
06/30/00 annual fee 10.287885 - 97.4435
06/30/00 surrender fee 10.287885 - 97.4435
MFS Global Governments
06/30/99 purchase 1,000.00 10.290122 97.1806 97.1806
06/30/00 annual fee 10.333793 - 97.1806
06/30/00 surrender fee 10.333793 - 97.1806
Oppenheimer Capital Appreciation
06/30/99 purchase 1,000.00 14.069924 71.0736 71.0736
06/30/00 annual fee 18.566723 - 71.0736
06/30/00 surrender fee 18.566723 - 71.0736
Oppenheimer Main Street G&I
06/30/99 purchase 1,000.00 11.756598 85.0586 85.0586
06/30/00 annual fee 12.330645 - 85.0586
06/30/00 surrender fee 12.330645 - 85.0586
Oppenheimer High Income
06/30/99 purchase 1,000.00 10.198942 98.0494 98.0494
06/30/00 annual fee 10.040776 - 98.0494
06/30/00 surrender fee 10.040776 - 98.0494
Oppenheimer Bond
06/30/99 purchase 1,000.00 10.283438 97.2437 97.2437
06/30/00 annual fee 10.355393 - 97.2437
06/30/00 surrender fee 10.355393 - 97.2437
Oppenheimer Strategic Bond
06/30/99 purchase 1,000.00 10.094897 99.0600 99.0600
06/30/00 annual fee 10.401260 - 99.0600
06/30/00 surrender fee 10.401260 - 99.0600
Putnam VT G&I
06/30/99 purchase 1,000.00 12.503038 79.9806 79.9806
06/30/00 annual fee 10.991248 - 79.9806
06/30/00 surrender fee 10.991248 - 79.9806
Putnam VT New Value
06/30/99 purchase 1,000.00 11.899961 84.0339 84.0339
06/30/00 annual fee 10.602228 - 84.0339
<PAGE>
06/30/00 surrender fee 10.602228 - 84.0339
Putnam VT Vista
06/30/99 purchase 1,000.00 13.199054 75.7630 75.7630
06/30/00 annual fee 20.512958 - 75.7630
06/30/00 surrender fee 20.512958 - 75.7630
Putnam VT Int'l Growth
06/30/99 purchase 1,000.00 13.062217 76.5567 76.5567
06/30/00 annual fee 18.473876 - 76.5567
06/30/00 surrender fee 18.473876 - 76.5567
Putnam VT Int'l New Opportunities
06/30/99 purchase 1,000.00 13.536626 73.8737 73.8737
06/30/00 annual fee 19.161943 - 73.8737
06/30/00 surrender fee 19.161943 - 73.8737
Franklin Small Cap
06/30/99 purchase 1,000.00 11.132805 89.8246 89.8246
06/30/00 annual fee 18.327900 - 89.8246
06/30/00 surrender fee 18.327900 - 89.8246
Templeton Growth Securities
06/30/99 purchase 1,000.00 14.278318 70.0363 70.0363
06/30/00 annual fee 12.908891 - 70.0363
06/30/00 surrender fee 12.908891 - 70.0363
Templeton International Securities
06/30/99 purchase 1,000.00 10.014948 99.8507 99.8507
06/30/00 annual 11.133034 - 99.8507
06/30/00 surrender fee 11.133034 - 99.8507
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
Templeton Developing Markets Securities
06/30/99 purchase 1,000.00 10.737070 93.1353 93.1353
06/30/00 annual fee 9.450044 - 93.1353
06/30/00 surrender fee 9.450044 - 93.1353
Mutual Shares Securities
06/30/99 purchase 1,000.00 11.100649 90.0848 90.0848
06/30/00 annual fee 10.393821 - 90.0848
06/30/00 surrender fee 10.393821 - 90.0848
Fidelity VIP Growth
06/30/99 purchase 1,000.00 14.859885 67.2953 67.2953
06/30/00 annual fee 18.495968 - 67.2953
06/30/00 surrender fee 18.495968 - 67.2953
Fidelity VIP II Contrafund
<PAGE>
06/30/99 purchase 1,000.00 13.652825 73.2449 73.2449
06/30/00 annual fee 14.830226 - 73.2449
06/30/00 surrender fee 14.830226 - 73.2449
Fidelity VIP III Growth Opportunities
06/30/99 purchase 1,000.00 12.416559 80.5376 80.5376
06/30/00 annual fee 11.551805 - 80.5376
06/30/00 surrender fee 11.551805 - 80.5376
Fidelity VIP III Growth & Income
06/30/99 purchase 1,000.00 13.076025 76.4758 76.4758
06/30/00 annual fee 12.753894 - 76.4758
06/30/00 surrender fee 12.753894 - 76.4758
Fidelity VIP Equity-Income
06/30/99 purchase 1,000.00 11.893156 84.0820 84.0820
06/30/00 annual fee 10.768881 - 84.0820
06/30/00 surrender fee 10.768881 - 84.0820
Franklin Large Cap Growth Securities
06/30/99 purchase 1,000.00 13.295851 75.2114 75.2114
06/30/00 annual fee 16.245735 - 75.2114
06/30/00 surrender fee 16.245735 - 75.2114
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I 1 Year Returns- Column B
As of 6/30/2000
<TABLE>
<CAPTION>
Sub-Account Total Account Initial
Return Value Investment
<S> <C> <C> <C>
Cova Lord Abbett G&I -1.95% 980.49 1,000.00
Cova Bond Debenture 2.42% 1,024.20 1,000.00
GACC Money Market 4.40% 1,044.02 1,000.00
Cova Developing Growth -0.49% 995.15 1,000.00
Cova Large Cap Research 3.89% 1,038.94 1,000.00
Cova Mid-Cap Value 10.01% 1,100.05 1,000.00
Cova Quality Bond 2.78% 1,027.82 1,000.00
Cova Small Cap Stock 35.49% 1,354.90 1,000.00
Cova Large Cap Stock 0.69% 1,006.85 1,000.00
Cova Select Equity -3.80% 962.00 1,000.00
Cova Int'l Equity 15.03% 1,150.28 1,000.00
Cova Balanced -1.57% 984.27 1,000.00
Cova Equity Income -11.90% 881.04 1,000.00
Cova G&I Equity -1.11% 988.95 1,000.00
Russell Multi-Style Equity -1.47% 985.32 1,000.00
Russell Aggressive Equity 7.08% 1,070.79 1,000.00
<PAGE>
Russell Non-U.S. 17.13% 1,171.26 1,000.00
Russell Core Bond 2.76% 1,027.64 1,000.00
AIM V.I. Value 11.63% 1,116.26 1,000.00
AIM V.I. Capital Appreciation 40.92% 1,409.20 1,000.00
AIM V.I. Int'l Equity 30.51% 1,305.10 1,000.00
Alliance Premier Growth 18.89% 1,188.91 1,000.00
Alliance Real Estate Investment 2.35% 1,023.46 1,000.00
Liberty Newport Tiger, Variable Series 27.64% 1,276.41 1,000.00
Goldman Sachs G&I -5.19% 948.13 1,000.00
Goldman Sachs Int'l Equity 24.60% 1,246.04 1,000.00
Goldman Sachs Global Income 2.27% 1,022.72 1,000.00
Templeton Global Income Securities -2.00% 979.99 1,000.00
Kemper Dreman High Return -15.26% 847.45 1,000.00
Kemper Small Cap Growth 38.75% 1,387.53 1,000.00
Kemper Small Cap Value -6.15% 938.46 1,000.00
Kemper Government Securities 3.16% 1,031.57 1,000.00
MFS Bond 0.85% 1,008.53 1,000.00
MFS Research 19.47% 1,194.68 1,000.00
MFS Growth with Income -0.09% 999.14 1,000.00
MFS Emerging Growth 50.92% 1,509.19 1,000.00
MFS Emerging Markets Equity 6.16% 1,061.55 1,000.00
MFS High Income 0.25% 1,002.49 1,000.00
MFS Global Governments 0.42% 1,004.24 1,000.00
Oppenheimer Capital Appreciation 31.96% 1,319.60 1,000.00
Oppenheimer Main Street G&I 4.88% 1,048.83 1,000.00
Oppenheimer High Income -1.55% 984.49 1,000.00
Oppenheimer Bond 0.70% 1,007.00 1,000.00
Oppenheimer Strategic Bond 3.03% 1,030.35 1,000.00
Putnam VT G&I -12.09% 879.09 1,000.00
Putnam VT New Value -10.91% 890.95 1,000.00
Putnam VT Vista 55.41% 1,554.12 1,000.00
Putnam VT Int'l Growth 41.43% 1,414.30 1,000.00
Putnam VT Int'l New Opportunities 41.56% 1,415.56 1,000.00
Franklin Small Cap 64.63% 1,646.30 1,000.00
Templeton Growth Securities -9.59% 904.09 1,000.00
Templeton International Securities 11.16% 1,111.64 1,000.00
Templeton Developing Markets Securities -11.99% 880.13 1,000.00
Mutual Shares Securities -6.37% 936.33 1,000.00
Fidelity VIP Growth 24.47% 1,244.69 1,000.00
Fidelity VIP II Contrafund 8.62% 1,086.24 1,000.00
Fidelity VIP III Growth Opportunities -6.97% 930.35 1,000.00
Fidelity VIP III Growth & Income -2.46% 975.36 1,000.00
Fidelity VIP Equity-Income -9.45% 905.47 1,000.00
Franklin Large Cap Growth Securities 22.19% 1,221.86 1,000.00
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I Inception Return Data- Column B
As of 06/30/2000
<TABLE>
<CAPTION>
<PAGE>
Sub-Account Transaction Amount Unit Transaction Unit
Value Units Balance
After
Transaction
Cova Lord Abbett G&I
<S> <C> <C> <C> <C> <C>
01/08/99 purchase 1,000.00 35.903757 27.8522 27.8522
01/10/00 annual fee 39.326567 - 27.8522
06/30/00 annual fee 38.332296 - 27.8522
06/30/00 surrender fee 38.332296 - 27.8522
Cova Bond Debenture
05/01/96 purchase 1,000.00 10.097690 99.0326 99.0326
05/01/97 annual fee 11.516923 - 99.0326
05/01/98 annual fee 13.535615 - 99.0326
05/03/99 annual fee 13.805909 - 99.0326
05/01/00 annual fee 13.799163 - 99.0326
06/30/00 annual fee 13.863754 - 99.0326
06/30/00 surrender fee 13.863754 - 99.0326
GACC Money Market
06/03/96 purchase 1,000.00 10.000000 100.0000 100.0000
06/03/97 annual fee 10.410578 - 100.0000
06/03/98 annual fee 10.858145 - 100.0000
06/03/99 annual fee 11.271281 - 100.0000
06/05/00 annual fee 11.751720 - 100.0000
06/30/00 annual fee 11.796544 - 100.0000
06/30/00 surrender fee 11.796544 - 100.0000
Cova Developing Growth
08/20/97 purchase 1,000.00 10.000000 100.0000 100.0000
08/20/98 annual fee 9.823023 - 100.0000
08/20/99 annual fee 12.172305 - 100.0000
06/30/00 annual fee 12.662512 - 100.0000
06/30/00 surrender fee 12.662512 - 100.0000
Cova Large Cap Research
08/20/97 purchase 1,000.00 10.000000 100.0000 100.0000
08/20/98 annual fee 10.537316 - 100.0000
08/20/99 annual fee 12.925442 - 100.0000
06/30/00 annual fee 13.839213 - 100.0000
06/30/00 surrender fee 13.839213 - 100.0000
Cova Mid-Cap Value
08/20/97 purchase 1,000.00 10.000000 100.0000 100.0000
08/20/98 annual fee 9.919404 - 100.0000
08/20/99 annual fee 11.429524 - 100.0000
06/30/00 annual fee 12.717044 - 100.0000
06/30/00 surrender fee 12.717044 - 100.0000
Cova Quality Bond
<PAGE>
05/01/96 purchase 1,000.00 9.897228 101.0384 101.0384
05/01/97 annual fee 10.405141 - 101.0384
05/01/98 annual fee 11.356198 - 101.0384
05/03/99 annual fee 11.809700 - 101.0384
05/01/00 annual fee 11.716531 - 101.0384
06/30/00 annual fee 11.904320 - 101.0384
06/30/00 surrender fee 11.904320 - 101.0384
Cova Small Cap Stock
05/01/96 purchase 1,000.00 10.512560 95.1243 95.1243
05/01/97 annual fee 10.358427 - 95.1243
05/01/98 annual fee 14.969970 - 95.1243
05/03/99 annual fee 12.606262 - 95.1243
05/01/00 annual fee 12.606262 - 95.1243
06/30/00 annual fee 17.951555 - 95.1243
06/30/00 surrender fee 17.951555 - 95.1243
Cova Large Cap Stock
05/01/96 purchase 1,000.00 10.003025 99.9698 99.9698
05/01/97 annual fee 12.198198 - 99.9698
05/01/98 annual fee 17.502632 - 99.9698
05/03/99 annual fee 21.572882 - 99.9698
05/01/00 annual fee 22.347032 - 99.9698
06/30/00 annual fee 21.909564 - 99.9698
06/30/00 surrender fee 21.909564 - 99.9698
Cova Select Equity
05/01/96 purchase 1,000.00 10.083890 99.1681 99.1681
05/01/97 annual fee 11.445501 - 99.1681
05/01/98 annual fee 16.125129 - 99.1681
05/03/99 annual fee 18.567838 - 99.1681
05/01/00 annual fee 18.350911 - 99.1681
06/30/00 annual fee 18.072857 - 99.1681
06/30/00 surrender fee 18.072857 - 99.1681
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
Cova Int'l Equity
05/01/96 purchase 1,000.00 10.214899 97.8962 97.8962
05/01/97 annual fee 11.135715 - 97.8962
05/01/98 annual fee 13.138587 - 97.8962
05/03/99 annual fee 13.586693 - 97.8962
05/01/00 annual fee 15.597266 - 97.8962
06/30/00 annual fee 15.563465 - 97.8962
06/30/00 surrender fee 15.563465 - 97.8962
Cova Balanced
07/01/97 purchase 1,000.00 10.000000 100.0000 100.0000
07/01/98 annual fee 11.236058 - 100.0000
07/01/99 annual fee 12.590207 - 100.0000
<PAGE>
06/30/00 annual fee 12.345038 - 100.0000
06/30/00 surrender fee 12.345038 - 100.0000
Cova Equity Income
07/01/97 purchase 1,000.00 10.000000 100.0000 100.0000
07/01/98 annual fee 12.418195 - 100.0000
07/01/99 annual fee 13.363970 - 100.0000
06/30/00 annual fee 11.743546 - 100.0000
06/30/00 surrender fee 11.743546 - 100.0000
Cova G&I Equity
07/01/97 purchase 1,000.00 10.000000 100.0000 100.0000
07/01/98 annual fee 11.941375 - 100.0000
07/01/99 annual fee 13.889347 - 100.0000
06/30/00 annual fee 13.631616 - 100.0000
06/30/00 surrender fee 13.631616 - 100.0000
Russell Multi-Style Equity
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 12.694810 - 100.0000
12/31/99 annual fee 14.667724 - 100.0000
06/30/00 annual fee 13.928688 - 100.0000
06/30/00 surrender fee 13.928688 - 100.0000
Russell Aggressive Equity
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 9.963254 - 100.0000
12/31/99 annual fee 10.422234 - 100.0000
06/30/00 annual fee 10.702095 - 100.0000
06/30/00 surrender fee 10.702095 - 100.0000
Russell Non-U.S.
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.142092 - 100.0000
12/31/99 annual fee 14.652149 - 100.0000
06/30/00 annual fee 13.871347 - 100.0000
06/30/00 surrender fee 13.871347 - 100.0000
Russell Core Bond
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 10.591175 - 100.0000
12/31/99 annual fee 10.380043 - 100.0000
06/30/00 annual fee 10.687613 - 100.0000
06/30/00 surrender fee 10.687613 - 100.0000
Russell Real Estate Securities
07/01/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.429445 - 100.0000
06/30/00 surrender fee 10.429445 - 100.0000
AIM V.I. Value
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
<PAGE>
12/31/98 annual fee 13.060203 - 100.0000
12/31/99 annual fee 13.729131 - 100.0000
06/30/00 annual fee 16.568145 - 100.0000
06/30/00 surrender fee 16.568145 - 100.0000
AIM V.I. Capital Appreciation
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.770729 - 100.0000
12/31/99 annual fee 16.785351 - 100.0000
06/30/00 annual fee 18.041220 - 100.0000
06/30/00 surrender fee 18.041220 - 100.0000
AIM V.I. Int'l Equity
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.391449 - 100.0000
12/31/99 annual fee 17.416663 - 100.0000
06/30/00 annual fee 15.418889 - 100.0000
06/30/00 surrender fee 15.418889 - 100.0000
Alliance Premier Growth
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 14.595485 - 100.0000
12/31/99 annual fee 19.043436 - 100.0000
06/30/00 annual fee 19.492351 - 100.0000
06/30/00 surrender fee 19.492351 - 100.0000
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
Alliance Real Estate Investment
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 7.988435 - 100.0000
12/31/99 annual fee 7.474763 - 100.0000
06/30/00 annual fee 8.607622 - 100.0000
06/30/00 surrender fee 8.607622 - 100.0000
Liberty Newport Tiger, Variable Series
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 9.228765 - 100.0000
12/31/99 annual fee 15.290670 - 100.0000
06/30/00 annual fee 15.126104 - 100.0000
06/30/00 surrender fee 15.126104 - 100.0000
Goldman Sachs G&I
01/29/98 purchase 1,000.00 10.000000 100.0000 100.0000
01/29/99 annual fee 9.973396 - 100.0000
01/31/00 annual fee 9.824094 - 100.0000
06/30/00 annual fee 10.302878 - 100.0000
06/30/00 surrender fee 10.302878 - 100.0000
Goldman Sachs Int'l Equity
<PAGE>
01/29/98 purchase 1,000.00 10.000000 100.0000 100.0000
01/29/99 annual fee 11.581610 - 100.0000
01/31/00 annual fee 14.092492 - 100.0000
06/30/00 annual fee 14.489526 - 100.0000
06/30/00 surrender fee 14.489526 - 100.0000
Goldman Sachs Global Income
01/29/98 purchase 1,000.00 10.000000 100.0000 100.0000
01/29/99 annual fee 10.874138 - 100.0000
01/31/00 annual fee 10.522377 - 100.0000
06/30/00 annual fee 10.791236 - 100.0000
06/30/00 surrender fee 10.791236 - 100.0000
Templeton Global Income Securities
02/26/99 purchase 1,000.00 10.161238 98.4132 98.4132
02/29/00 annual fee 9.659067 - 98.4132
06/30/00 annual fee 9.719245 - 98.4132
06/30/00 surrender fee 9.719245 - 98.4132
Kemper Dreman High Return
05/15/98 purchase 1,000.00 10.000000 100.0000 100.0000
05/17/99 annual fee 11.054279 - 100.0000
05/15/00 annual fee 9.629523 - 100.0000
06/30/00 annual fee 9.311980 - 100.0000
06/30/00 surrender fee 9.311980 - 100.0000
Kemper Small Cap Growth
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.676086 - 100.0000
12/31/99 annual fee 15.493396 - 100.0000
06/30/00 annual fee 16.755788 - 100.0000
06/30/00 surrender fee 16.755788 - 100.0000
Kemper Small Cap Value
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 8.753222 - 100.0000
12/31/99 annual fee 8.872647 - 100.0000
06/30/00 annual fee 8.645645 - 100.0000
06/30/00 surrender fee 8.645645 - 100.0000
Kemper Government Securities
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 10.556498 - 100.0000
12/31/99 annual fee 10.480981 - 100.0000
06/30/00 annual fee 10.817828 - 100.0000
06/30/00 surrender fee 10.817828 - 100.0000
MFS Bond
05/15/98 purchase 1,000.00 10.000000 100.0000 100.0000
05/17/99 annual fee 10.386737 - 100.0000
05/15/00 annual fee 10.048405 - 100.0000
06/30/00 annual fee 10.381962 - 100.0000
<PAGE>
06/30/00 surrender fee 10.381962 - 100.0000
MFS Research
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 12.172796 - 100.0000
12/31/99 annual fee 14.890281 - 100.0000
06/30/00 annual fee 15.719904 - 100.0000
06/30/00 surrender fee 15.719904 - 100.0000
MFS Growth with Income
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 12.066568 - 100.0000
12/31/99 annual fee 12.695264 - 100.0000
06/30/00 annual fee 12.672237 - 100.0000
06/30/00 surrender fee 12.672237 - 100.0000
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
MFS Emerging Growth
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 13.233235 - 100.0000
12/31/99 annual fee 23.059667 - 100.0000
06/30/00 annual fee 22.373757 - 100.0000
06/30/00 surrender fee 22.373757 - 100.0000
MFS Emerging Markets Equity
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 6.571830 - 100.0000
12/31/99 annual fee 8.954559 - 100.0000
06/30/00 annual fee 8.477690 - 100.0000
06/30/00 surrender fee 8.477690 - 100.0000
MFS High Income
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 9.845193 - 100.0000
12/31/99 annual fee 10.334082 - 100.0000
06/30/00 annual fee 10.287885 - 100.0000
06/30/00 surrender fee 10.287885 - 100.0000
MFS Global Governments
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 10.669943 - 100.0000
12/31/99 annual fee 10.258675 - 100.0000
06/30/00 annual fee 10.333793 - 100.0000
06/30/00 surrender fee 10.333793 - 100.0000
Oppenheimer Capital Appreciation
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 12.232731 - 100.0000
12/31/99 annual fee 17.087450 - 100.0000
<PAGE>
06/30/00 annual fee 18.566723 - 100.0000
06/30/00 surrender fee 18.566723 - 100.0000
Oppenheimer Main Street G&I
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 10.326519 - 100.0000
12/31/99 annual fee 12.393263 - 100.0000
06/30/00 annual fee 12.330645 - 100.0000
06/30/00 surrender fee 12.330645 - 100.0000
Oppenheimer High Income
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 9.893828 - 100.0000
12/31/99 annual fee 10.174699 - 100.0000
06/30/00 annual fee 10.040776 - 100.0000
06/30/00 surrender fee 10.040776 - 100.0000
Oppenheimer Bond
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 9.893828 - 100.0000
12/31/99 annual fee 10.228856 - 100.0000
06/30/00 annual fee 10.355393 - 100.0000
06/30/00 surrender fee 10.355393 - 100.0000
Oppenheimer Strategic Bond
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 10.151332 - 100.0000
12/31/99 annual fee 10.293168 - 100.0000
06/30/00 annual fee 10.401260 - 100.0000
06/30/00 surrender fee 10.401260 - 100.0000
Putnam VT G&I
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.382650 - 100.0000
12/31/99 annual fee 11.402482 - 100.0000
06/30/00 annual fee 10.991248 - 100.0000
06/30/00 surrender fee 10.991248 - 100.0000
Putnam VT New Value
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 10.483517 - 100.0000
12/31/99 annual fee 10.365439 - 100.0000
06/30/00 annual fee 10.602228 - 100.0000
06/30/00 surrender fee 10.602228 - 100.0000
Putnam VT Vista
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.785702 - 100.0000
12/31/99 annual fee 17.769589 - 100.0000
06/30/00 annual fee 20.512958 - 100.0000
06/30/00 surrender fee 20.512958 - 100.0000
<PAGE>
Putnam VT Int'l Growth
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.707003 - 100.0000
12/31/99 annual fee 18.486388 - 100.0000
06/30/00 annual fee 18.473876 - 100.0000
06/30/00 surrender fee 18.473876 - 100.0000
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
Putnam VT Int'l New Opportunities
12/31/97 purchase 1,000.00 10.000000 100.0000 100.0000
12/31/98 annual fee 11.402252 - 100.0000
12/31/99 annual fee 22.820083 - 100.0000
06/30/00 annual fee 19.161943 - 100.0000
06/30/00 surrender fee 19.161943 - 100.0000
Franklin Small Cap
02/26/99 purchase 1,000.00 9.146750 109.3284 109.3284
02/29/00 annual fee 22.830567 - 109.3284
06/30/00 annual fee 18.327900 - 109.3284
06/30/00 surrender fee 18.327900 - 109.3284
Templeton Growth Securities
01/29/99 purchase 1,000.00 12.640651 79.1098 79.1098
06/30/00 annual fee 14.268455 - 79.1098
06/30/00 annual fee 12.908891 - 79.1098
06/30/00 surrender fee 12.908891 - 79.1098
Templeton International Securities
05/01/98 purchase 1,000.00 10.000000 100.0000 100.0000
05/03/99 annual fee 9.996786 - 100.0000
05/01/00 annual fee 10.522859 - 100.0000
06/30/00 annual fee 11.133034 - 100.0000
06/30/00 surrender fee 11.133034 - 100.0000
Templeton Developing Markets Securities
05/01/98 purchase 1,000.00 10.000000 100.0000 100.0000
05/03/99 annual fee 9.972042 - 100.0000
05/01/00 annual fee 9.605212 - 100.0000
06/30/00 annual fee 9.450044 - 100.0000
06/30/00 surrender fee 9.450044 - 100.0000
Mutual Shares Securities
04/30/98 purchase 1,000.00 10.754384 92.9853 92.9853
04/30/99 annual fee 10.801404 - 92.9853
04/28/00 annual fee 10.443551 - 92.9853
06/30/00 annual fee 10.393821 - 92.9853
06/30/00 surrender fee 10.393821 - 92.9853
Fidelity VIP Growth
<PAGE>
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000
02/17/99 annual fee 13.296297 - 100.0000
02/17/00 annual fee 18.211823 - 100.0000
06/30/00 annual fee 18.495968 - 100.0000
06/30/00 surrender fee 18.495968 - 100.0000
Fidelity VIP II Contrafund
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000
02/17/99 annual fee 12.429231 - 100.0000
02/17/00 annual fee 15.048821 - 100.0000
06/30/00 annual fee 14.830226 - 100.0000
06/30/00 surrender fee 14.830226 - 100.0000
Fidelity VIP III Growth Opportunities
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000
02/17/99 annual fee 11.255274 - 100.0000
02/17/00 annual fee 11.220465 - 100.0000
06/30/00 annual fee 11.551805 - 100.0000
06/30/00 surrender fee 11.551805 - 100.0000
Fidelity VIP III Growth & Income
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000
02/17/99 annual fee 12.066871 - 100.0000
02/17/00 annual fee 12.256146 - 100.0000
06/30/00 annual fee 12.753894 - 100.0000
06/30/00 surrender fee 12.753894 - 100.0000
Fidelity VIP Equity-Income
02/17/98 purchase 1,000.00 10.000000 100.0000 100.0000
02/17/99 annual fee 10.322067 - 100.0000
02/17/00 annual fee 10.063265 - 100.0000
06/30/00 annual fee 10.768881 - 100.0000
06/30/00 surrender fee 10.768881 - 100.0000
Franklin Large Cap Growth Securities
02/26/99 purchase 1,000.00 11.885551 84.1358 84.1358
02/29/00 annual fee 16.330081 - 84.1358
06/30/00 annual fee 16.245735 - 84.1358
06/30/00 surrender fee 16.245735 - 84.1358
American Century VP Income & Growth
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 9.881908 - 100.0000
06/30/00 surrender fee 9.881908 - 100.0000
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
<S> <C> <C> <C> <C> <C>
American Century VP Int'l
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 11.681090 - 100.0000
<PAGE>
06/30/00 surrender fee 11.681090 - 100.0000
American Century VP Value
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 9.134570 - 100.0000
06/30/00 surrender fee 9.134570 - 100.0000
Dreyfus Stock Index
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.192918 - 100.0000
06/30/00 surrender fee 10.192918 - 100.0000
Dreyfus VIF Disciplined Stock
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.248073 - 100.0000
06/30/00 surrender fee 10.248073 - 100.0000
Dreyfus VIF Capital Appreciation
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.318338 - 100.0000
06/30/00 surrender fee 10.318338 - 100.0000
INVESCO VIF Dynamics
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 12.577864 - 100.0000
06/30/00 surrender fee 12.577864 - 100.0000
INVESCO VIF High Yield
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 9.916148 - 100.0000
06/30/00 surrender fee 9.916148 - 100.0000
PIMCO High Yield Bond
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 9.921480 - 100.0000
06/30/00 surrender fee 9.921480 - 100.0000
PIMCO Low Duration Bond
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.237156 - 100.0000
06/30/00 surrender fee 10.237156 - 100.0000
PIMCO StocksPLUS G&I
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.106029 - 100.0000
06/30/00 surrender fee 10.106029 - 100.0000
PIMCO Total Return Bond
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.136013 - 100.0000
06/30/00 surrender fee 10.136013 - 100.0000
<PAGE>
Scudder Int'l
11/19/99 purchase 1,000.00 10.000000 100.0000 100.0000
06/30/00 annual fee 10.288987 - 100.0000
06/30/00 surrender fee 10.288987 - 100.0000
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part I Inception Returns- Column B
As of 6/30/2000
<TABLE>
<CAPTION>
Sub-Account Annualized Account Initial
Inception Value Investment
Return
<S> <C> <C> <C>
Cova Lord Abbett G&I 4.53% 1,067.64 1,000.00
Cova Bond Debenture 7.90% 1,372.96 1,000.00
GACC Money Market 4.14% 1,179.65 1,000.00
Cova Developing Growth 8.59% 1,266.25 1,000.00
Cova Large Cap Research 12.02% 1,383.92 1,000.00
Cova Mid-Cap Value 8.76% 1,271.70 1,000.00
Cova Quality Bond 4.53% 1,202.79 1,000.00
Cova Small Cap Stock 13.70% 1,707.63 1,000.00
Cova Large Cap Stock 20.70% 2,190.29 1,000.00
Cova Select Equity 15.03% 1,792.25 1,000.00
Cova Int'l Equity 10.63% 1,523.60 1,000.00
Cova Balanced 7.27% 1,234.50 1,000.00
Cova Equity Income 5.50% 1,174.35 1,000.00
Cova G&I Equity 10.88% 1,363.16 1,000.00
Russell Multi-Style Equity 14.18% 1,392.87 1,000.00
Russell Aggressive Equity 2.75% 1,070.21 1,000.00
Russell Non-U.S. 13.99% 1,387.13 1,000.00
Russell Core Bond 2.70% 1,068.76 1,000.00
Russell Real Estate Securities (1) 4.29% 1,042.94 1,000.00
AIM V.I. Value 22.39% 1,656.81 1,000.00
AIM V.I. Capital Appreciation 26.64% 1,804.12 1,000.00
AIM V.I. Int'l Equity 18.92% 1,541.89 1,000.00
Alliance Premier Growth 30.62% 1,949.24 1,000.00
Alliance Real Estate Investment -5.82% 860.76 1,000.00
Liberty Newport Tiger, Variable Series 18.01% 1,512.61 1,000.00
Goldman Sachs G&I 1.24% 1,030.29 1,000.00
Goldman Sachs Int'l Equity 16.57% 1,448.95 1,000.00
Goldman Sachs Global Income 3.20% 1,079.12 1,000.00
Templeton Global Income Securities -3.26% 956.50 1,000.00
Kemper Dreman High Return -3.29% 931.20 1,000.00
Kemper Small Cap Growth 22.95% 1,675.58 1,000.00
Kemper Small Cap Value -5.66% 864.56 1,000.00
Kemper Government Securities 3.20% 1,081.78 1,000.00
MFS Bond 1.78% 1,038.20 1,000.00
<PAGE>
MFS Research 19.85% 1,571.99 1,000.00
MFS Growth with Income 9.94% 1,267.22 1,000.00
MFS Emerging Growth 38.03% 2,237.38 1,000.00
MFS Emerging Markets Equity -6.40% 847.77 1,000.00
MFS High Income 1.14% 1,028.79 1,000.00
MFS Global Governments 1.32% 1,033.38 1,000.00
Oppenheimer Capital Appreciation 28.10% 1,856.67 1,000.00
Oppenheimer Main Street G&I 8.75% 1,233.06 1,000.00
Oppenheimer High Income 0.16% 1,004.08 1,000.00
Oppenheimer Bond 1.41% 1,035.54 1,000.00
Oppenheimer Strategic Bond 1.59% 1,040.13 1,000.00
Putnam VT G&I 3.85% 1,099.12 1,000.00
Putnam VT New Value 2.37% 1,060.22 1,000.00
Putnam VT Vista 33.32% 2,051.30 1,000.00
Putnam VT Int'l Growth 27.84% 1,847.39 1,000.00
Putnam VT Int'l New Opportunities 29.73% 1,916.19 1,000.00
Franklin Small Cap 67.82% 2,003.76 1,000.00
Templeton Growth Securities 1.49% 1,021.22 1,000.00
Templeton International Securities 5.08% 1,113.30 1,000.00
Templeton Developing Markets Securities -2.58% 945.00 1,000.00
Mutual Shares Securities -1.56% 966.47 1,000.00
Fidelity VIP Growth 29.67% 1,849.60 1,000.00
Fidelity VIP II Contrafund 18.11% 1,483.02 1,000.00
Fidelity VIP III Growth Opportunities 6.28% 1,155.18 1,000.00
Fidelity VIP III Growth & Income 10.82% 1,275.39 1,000.00
Fidelity VIP Equity-Income 3.18% 1,076.89 1,000.00
Franklin Large Cap Growth Securities 26.21% 1,366.85 1,000.00
American Century VP Income & Growth (1) -1.18% 988.19 1,000.00
American Century VP Int'l (1) 16.81% 1,168.11 1,000.00
American Century VP Value (1) -8.65% 913.46 1,000.00
Dreyfus Stock Index (1) 1.93% 1,019.29 1,000.00
Dreyfus VIF Disciplined Stock (1) 2.48% 1,024.81 1,000.00
Dreyfus VIF Capital Appreciation (1) 3.18% 1,031.83 1,000.00
INVESCO VIF Dynamics (1) 25.78% 1,257.79 1,000.00
INVESCO VIF High Yield (1) -0.84% 991.61 1,000.00
PIMCO High Yield Bond (1) -0.79% 992.15 1,000.00
PIMCO Low Duration Bond (1) 2.37% 1,023.72 1,000.00
PIMCO StocksPLUS G&I (1) 1.06% 1,010.60 1,000.00
PIMCO Total Return Bond (1) 1.36% 1,013.60 1,000.00
Scudder Int'l (1) 2.89% 1,028.90 1,000.00
(1)Returns are not annualized for sub-accounts in existence less than 1 year.
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part II 1 Year Returns
As of 6/30/2000
<TABLE>
<CAPTION>
Column Less: Column Less: Column
<PAGE>
A Separate C Contract B
Sub-Account Return Account Fees Return Charges Return
<S> <C> <C> <C> <C> <C>
American Century VP Income & Growth 3.68% 1.40% 2.28% 4.60% -2.32%
American Century VP Int'l 43.62% 1.40% 42.22% 4.60% 37.62%
American Century VP Value -15.88% 1.40% -17.28% 4.60% -21.88%
Dreyfus Stock Index 6.96% 1.40% 5.56% 4.60% 0.96%
Dreyfus VIF Disciplined Stock 7.56% 1.40% 6.16% 4.60% 1.56%
Dreyfus VIF Capital Appreciation 6.56% 1.40% 5.16% 4.60% 0.56%
INVESCO VIF Dynamics 46.96% 1.40% 45.56% 4.60% 40.96%
INVESCO VIF High Yield 1.50% 1.40% 0.10% 4.60% -4.50%
MetLife Putnam International Stock 11.45% 1.40% 10.05% 4.60% 5.45%
MFS New Discovery 56.28% 1.40% 54.88% 4.60% 50.28%
PIMCO High Yield Bond 0.60% 1.40% -0.80% 4.60% -5.40%
PIMCO Low Duration Bond 4.14% 1.40% 2.74% 4.60% -1.86%
PIMCO StocksPLUS G&I 6.24% 1.40% 4.84% 4.60% 0.24%
PIMCO Total Return Bond 4.62% 1.40% 3.22% 4.60% -1.38%
Russell Real Estate Securities 5.32% 1.40% 3.92% 4.60% -0.68%
Scudder Int'l 25.18% 1.40% 23.78% 4.60% 19.18%
Templeton Asset Strategy 13.39% 1.40% 11.99% 4.60% 7.39%
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part II 5 Year Returns
As of 6/30/2000
<TABLE>
<CAPTION>
Column Less: Column Less: Column
A Separate C Contract B
Sub-Account Return Account Fees Return Charges Return
<S> <C> <C> <C> <C> <C>
AIM V.I. Value 21.82% 1.40% 20.42% 0.10% 20.32%
AIM V.I. Capital Appreciation 22.36% 1.40% 20.96% 0.10% 20.86%
AIM V.I. Int'l Equity 17.27% 1.40% 15.87% 0.10% 15.77%
Alliance Premier Growth 30.30% 1.40% 28.90% 0.10% 28.80%
American Century VP Int'l 21.81% 1.40% 20.41% 0.10% 20.31%
Dreyfus Stock Index 22.38% 1.40% 20.98% 0.10% 20.88%
Dreyfus VIF Capital Appreciation 22.29% 1.40% 20.89% 0.10% 20.79%
Fidelity VIP Growth 25.56% 1.40% 24.16% 0.10% 24.06%
Fidelity VIP II Contrafund 21.82% 1.40% 20.42% 0.10% 20.32%
Fidelity VIP III Growth Opportunities 16.68% 1.40% 15.28% 0.10% 15.18%
Fidelity VIP Equity-Income 14.29% 1.40% 12.89% 0.10% 12.79%
GACC Money Market 5.61% 1.40% 4.21% 0.10% 4.11%
INVESCO VIF High Yield 10.24% 1.40% 8.84% 0.10% 8.74%
Kemper Small Cap Growth 27.42% 1.40% 26.02% 0.10% 25.92%
Kemper Government Securities 5.91% 1.40% 4.51% 0.10% 4.41%
Liberty Newport Tiger, Variable Series 4.92% 1.40% 3.52% 0.10% 3.42%
MetLife Putnam International Stock 7.30% 1.40% 5.90% 0.10% 5.80%
<PAGE>
MFS Global Governments 2.48% 1.40% 1.08% 0.10% 0.98%
Oppenheimer Capital Appreciation 28.17% 1.40% 26.77% 0.10% 26.67%
Oppenheimer High Income 7.81% 1.40% 6.41% 0.10% 6.31%
Oppenheimer Bond 5.41% 1.40% 4.01% 0.10% 3.91%
Oppenheimer Strategic Bond 7.02% 1.40% 5.62% 0.10% 5.52%
Putnam VT G&I 14.68% 1.40% 13.28% 0.10% 13.18%
Scudder Int'l 16.83% 1.40% 15.43% 0.10% 15.33%
Templeton Global Income Securities 3.80% 1.40% 2.40% 0.10% 2.30%
Templeton Growth Securities 13.37% 1.40% 11.97% 0.10% 11.87%
Templeton International Securities 15.54% 1.40% 14.14% 0.10% 14.04%
Templeton Asset Strategy 15.02% 1.40% 13.62% 0.10% 13.52%
</TABLE>
<PAGE>
Cova Variable Annuity Account One
Part II Inception Returns
As of 6/30/2000
<TABLE>
<CAPTION>
Column Less: Column Less: Column
A Separate C Contract B
Sub-Account Return Account Fees Return Charges Return
<S> <C> <C> <C> <C> <C>
AIM V.I. Value 21.26% 1.40% 19.86% 0.10% 19.76%
AIM V.I. Capital Appreciation 21.98% 1.40% 20.58% 0.10% 20.48%
AIM V.I. Int'l Equity 15.54% 1.40% 14.14% 0.10% 14.04%
Alliance Premier Growth 24.99% 1.40% 23.59% 0.10% 23.49%
Alliance Real Estate Investment 2.76% 1.40% 1.36% 1.42% -0.06%
American Century VP Income & Growth 18.05% 1.40% 16.65% 1.81% 14.84%
American Century VP Int'l 17.13% 1.40% 15.73% 0.10% 15.63%
American Century VP Value 8.64% 1.40% 7.24% 1.20% 6.04%
Dreyfus Stock Index 17.31% 1.40% 15.91% 0.10% 15.81%
Dreyfus VIF Disciplined Stock 22.78% 1.40% 21.38% 1.20% 20.18%
Dreyfus VIF Capital Appreciation 18.99% 1.40% 17.59% 0.10% 17.49%
Fidelity VIP Growth 20.08% 1.40% 18.68% 0.10% 18.58%
Fidelity VIP II Contrafund 24.63% 1.40% 23.23% 0.10% 23.13%
Fidelity VIP III Growth Opportunities 18.58% 1.40% 17.18% 0.10% 17.08%
Fidelity VIP III Growth & Income 17.93% 1.40% 16.53% 1.41% 15.12%
Fidelity VIP Equity-Income 14.68% 1.40% 13.28% 0.10% 13.18%
GACC Money Market 5.24% 1.40% 3.84% 0.10% 3.74%
Goldman Sachs G&I 4.70% 1.40% 3.30% 1.95% 1.35%
Goldman Sachs Int'l Equity 19.68% 1.40% 18.28% 1.95% 16.33%
Goldman Sachs Global Income 4.20% 1.40% 2.80% 1.95% 0.85%
INVESCO VIF Dynamics 31.51% 1.40% 30.11% 1.70% 28.41%
INVESCO VIF High Yield 10.14% 1.40% 8.74% 0.10% 8.64%
Kemper Dreman High Return -3.17% 1.40% -4.57% 2.21% -6.78%
Kemper Small Cap Growth 25.37% 1.40% 23.97% 0.10% 23.87%
Kemper Small Cap Value 2.54% 1.40% 1.14% 1.20% -0.06%
Kemper Government Securities 7.24% 1.40% 5.84% 0.10% 5.74%
Liberty Newport Tiger, Variable Series 6.51% 1.40% 5.11% 0.10% 5.01%
<PAGE>
MetLife Putnam International Stock 7.16% 1.40% 5.76% 0.10% 5.66%
MetLife Putnam Large Cap Growth -0.10% 0.23% -0.33% 5.10% -5.43%
MFS Bond 4.88% 1.40% 3.48% 1.08% 2.40%
MFS Research 21.83% 1.40% 20.43% 1.03% 19.40%
MFS Growth with Income 18.83% 1.40% 17.43% 1.07% 16.36%
MFS Emerging Growth 31.60% 1.40% 30.20% 1.03% 29.17%
MFS Emerging Markets Equity -8.35% 1.40% -9.75% 1.79% -11.54%
MFS High Income 7.43% 1.40% 6.03% 1.03% 5.00%
MFS New Discovery 35.18% 1.40% 33.78% 2.20% 31.58%
MFS Global Governments 3.97% 1.40% 2.57% 0.10% 2.47%
Oppenheimer Capital Appreciation 20.01% 1.40% 18.61% 0.10% 18.51%
Oppenheimer Main Street G&I 23.00% 1.40% 21.60% 1.02% 20.58%
Oppenheimer High Income 11.96% 1.40% 10.56% 0.10% 10.46%
Oppenheimer Bond 7.63% 1.40% 6.23% 0.10% 6.13%
Oppenheimer Strategic Bond 6.00% 1.40% 4.60% 0.10% 4.50%
PIMCO High Yield Bond 1.80% 1.40% 0.40% 2.20% -1.80%
PIMCO Low Duration Bond 3.97% 1.40% 2.57% 3.41% -0.84%
PIMCO StocksPLUS G&I 18.91% 1.40% 17.51% 1.93% 15.58%
PIMCO Total Return Bond 4.51% 1.40% 3.11% 1.93% 1.18%
Putnam VT G&I 13.25% 1.40% 11.85% 0.10% 11.75%
Putnam VT New Value 7.58% 1.40% 6.18% 1.41% 4.77%
Putnam VT Vista 31.73% 1.40% 30.33% 1.41% 28.92%
Putnam VT Int'l Growth 25.69% 1.40% 24.29% 1.41% 22.88%
Putnam VT Int'l New Opportunities 21.64% 1.40% 20.24% 1.41% 18.83%
Russell Multi-Style Equity 19.32% 1.40% 17.92% 1.41% 16.51%
Russell Aggressive Equity 12.24% 1.40% 10.84% 1.41% 9.43%
Russell Non-U.S. 11.01% 1.40% 9.61% 1.41% 8.20%
Russell Core Bond 5.72% 1.40% 4.32% 1.41% 2.91%
Russell Real Estate Securities 3.17% 1.40% 1.77% 3.96% -2.19%
Scudder Int'l 11.19% 1.40% 9.79% 0.10% 9.69%
Templeton Global Income Securities 5.40% 1.40% 4.00% 0.10% 3.90%
Franklin Small Cap 28.51% 1.40% 27.11% 1.08% 26.03%
Templeton Growth Securities 12.25% 1.40% 10.85% 0.10% 10.75%
Templeton International Securities 14.44% 1.40% 13.04% 0.10% 12.94%
Templeton Developing Markets Securities -8.71% 1.40% -10.11% 1.16% -11.27%
Mutual Shares Securities 9.69% 1.40% 8.29% 1.36% 6.93%
Franklin Large Cap Growth Securities 23.19% 1.40% 21.79% 1.20% 20.59%
Templeton Asset Strategy 13.09% 1.40% 11.69% 0.10% 11.59%
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