<TABLE>
<CAPTION>
Dimensions - Traditional
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1999
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation Fund
<S> <C> <C> <C> <C> <C> <C>
9-30-99 Purchase $1,000.00 $25.59858665 39.065 39.065 $1,000.00
9-30-00 Contract Fee (1.00) $39.18687629 (0.026) 39.039 1,529.82
9-30-00 GVP charge (30.60) $39.18687629 (0.781) 38.258 1,499.23
9-30-00 Value before Surr Chg $39.18687629 0.000 38.258 1,499.23
9-30-00 Surrender Charge (80.00) $39.18687629 (2.041) 36.217 1,419.23
Cumulative and Average Annual Total Returns
without/with charges 53.08% A 41.92% B
AIM VI Growth
9-30-99 Purchase $1,000.00 $29.29665388 34.134 34.134 $1,000.00
9-30-00 Contract Fee (1.00) $36.16513568 (0.028) 34.106 1,233.45
9-30-00 GVP charge (24.67) $36.16513568 (0.682) 33.424 1,208.78
9-30-00 Value before Surr Chg $36.16513568 0.000 33.424 1,208.78
9-30-00 Surrender Charge (80.00) $36.16513568 (2.212) 31.212 1,128.78
Cumulative and Average Annual Total Returns
without/with charges 23.44% A 12.88% B
AIM VI International Equity Fund
9-30-99 Purchase $1,000.00 $20.18264093 49.548 49.548 $1,000.00
9-30-00 Contract Fee (1.00) $23.39444504 (0.043) 49.505 1,158.14
9-30-00 GVP charge (23.16) $23.39444504 (0.990) 48.515 1,134.97
9-30-00 Value before Surr Chg $23.39444504 0.000 48.515 1,134.97
9-30-00 Surrender Charge (80.00) $23.39444504 (3.420) 45.095 1,054.97
Cumulative and Average Annual Total Returns
without/with charges 15.91% A 5.50% B
<PAGE>
AIM VI Value Fund
9-30-99 Purchase $1,000.00 $30.71981691 32.552 32.552 $1,000.00
9-30-00 Contract Fee (1.00) $33.30622156 (0.030) 32.522 1,083.19
9-30-00 GVP charge 0.00 $33.30622156 0.000 32.522 1,083.19
9-30-00 Value before Surr Chg $33.30622156 0.000 32.522 1,083.19
9-30-00 Surrender Charge (80.00) $33.30622156 (2.402) 30.120 1,003.19
Cumulative and Average Annual Total Returns
without/with charges 8.42% A 0.32% B
Alger American Growth
9-30-99 Purchase $1,000.00 $68.50552315 14.597 14.597 $1,000.00
9-30-00 Contract Fee (1.00) $82.01823051 (0.012) 14.585 1,196.25
9-30-00 GVP charge (23.92) $82.01823051 (0.292) 14.293 1,172.32
9-30-00 Value before Surr Chg $82.01823051 0.000 14.293 1,172.32
9-30-00 Surrender Charge (80.00) $82.01823051 (0.975) 13.318 1,092.32
Cumulative and Average Annual Total Returns
without/with charges 19.72% A 9.23% B
Alger American Leveraged AllCap
9-30-99 Purchase $1,000.00 $43.68425839 22.892 22.892 $1,000.00
9-30-00 Contract Fee (1.00) $58.07713401 (0.017) 22.874 1,328.48
9-30-00 GVP charge (26.57) $58.07713401 (0.457) 22.417 1,301.91
9-30-00 Value before Surr Chg $58.07713401 0.000 22.417 1,301.91
9-30-00 Surrender Charge (80.00) $58.07713401 (1.377) 21.039 1,221.91
Cumulative and Average Annual Total Returns
without/with charges 32.95% A 22.19% B
Alger American MidCap Growth
9-30-99 Purchase $1,000.00 $31.52923009 31.717 31.717 $1,000.00
9-30-00 Contract Fee (1.00) $47.43556273 (0.021) 31.696 1,503.49
9-30-00 GVP charge (30.07) $47.43556273 (0.634) 31.062 1,473.42
9-30-00 Value before Surr Chg $47.43556273 0.000 31.062 1,473.42
9-30-00 Surrender Charge (80.00) $47.43556273 (1.686) 29.375 1,393.42
Cumulative and Average Annual Total Returns
without/with charges 50.45% A 39.34% B
Alger American Small Capitalization
9-30-99 Purchase $1,000.00 $54.80292550 18.247 18.247 $1,000.00
9-30-00 Contract Fee (1.00) $64.23126592 (0.016) 18.232 1,171.04
9-30-00 GVP charge (23.42) $64.23126592 (0.365) 17.867 1,147.62
9-30-00 Value before Surr Chg $64.23126592 0.000 17.867 1,147.62
9-30-00 Surrender Charge (80.00) $64.23126592 (1.245) 16.622 1,067.62
Cumulative and Average Annual Total Returns
without/with charges 17.20% A 6.76% B
Davis VA Financial Portfolio
9-30-99 Purchase $1,000.00 $8.87673991 112.654 112.654 $1,000.00
9-30-00 Contract Fee (1.00) $11.44196234 (0.087) 112.567 1,287.98
9-30-00 GVP charge (25.76) $11.44196234 (2.251) 110.315 1,262.22
9-30-00 Value before Surr Chg $11.44196234 0.000 110.315 1,262.22
9-30-00 Surrender Charge (80.00) $11.44196234 (6.992) 103.323 1,182.22
Cumulative and Average Annual Total Returns
<PAGE>
without/with charges 28.90% A 18.22% B
Davis VA Real Estate
9-30-99 Purchase $1,000.00 $8.93651594 111.900 111.900 $1,000.00
9-30-00 Contract Fee (1.00) $10.36167404 (0.097) 111.804 1,158.48
9-30-00 GVP charge (23.17) $10.36167404 (2.236) 109.568 1,135.31
9-30-00 Value before Surr Chg $10.36167404 0.000 109.568 1,135.31
9-30-00 Surrender Charge (80.00) $10.36167404 (7.721) 101.847 1,055.31
Cumulative and Average Annual Total Returns
without/with charges 15.95% A 5.53% B
Davis VA Value
9-30-99 Purchase $1,000.00 $9.12580669 109.579 109.579 $1,000.00
9-30-00 Contract Fee (1.00) $10.88868151 (0.092) 109.488 1,192.17
9-30-00 GVP charge (23.84) $10.88868151 (2.190) 107.298 1,168.33
9-30-00 Value before Surr Chg $10.88868151 0.000 107.298 1,168.33
9-30-00 Surrender Charge (80.00) $10.88868151 (7.347) 99.951 1,088.33
Cumulative and Average Annual Total Returns
without/with charges 19.32% A 8.83% B
Franklin Growth & Income
9-30-99 Purchase $1,000.00 $25.63493141 39.009 39.009 $1,000.00
9-30-00 Contract Fee (1.00) $28.33495439 (0.035) 38.974 1,104.33
9-30-00 GVP charge (19.33) $28.33495439 (0.682) 38.292 1,085.00
9-30-00 Value before Surr Chg $28.33495439 0.000 38.292 1,085.00
9-30-00 Surrender Charge (80.00) $28.33495439 (2.823) 35.469 1,005.00
Cumulative and Average Annual Total Returns
without/with charges 10.53% A 0.50% B
Franklin Rising Dividends Securities
9-30-99 Purchase $1,000.00 $18.95484747 52.757 52.757 $1,000.00
9-30-00 Contract Fee (1.00) $19.40751840 (0.052) 52.705 1,022.88
9-30-00 GVP charge 0.00 $19.40751840 0.000 52.705 1,022.88
9-30-00 Value before Surr Chg $19.40751840 0.000 52.705 1,022.88
9-30-00 Surrender Charge (80.00) $19.40751840 (4.122) 48.583 942.88
Cumulative and Average Annual Total Returns
without/with charges 2.39% A -5.71% B
Franklin Small Cap
9-30-99 Purchase $1,000.00 $17.56201869 56.941 56.941 $1,000.00
9-30-00 Contract Fee (1.00) $29.81017138 (0.034) 56.908 1,696.42
9-30-00 GVP charge (33.93) $29.81017138 (1.138) 55.769 1,662.49
9-30-00 Value before Surr Chg $29.81017138 0.000 55.769 1,662.49
9-30-00 Surrender Charge (80.00) $29.81017138 (2.684) 53.086 1,582.49
Cumulative and Average Annual Total Returns
without/with charges 69.74% A 58.25% B
Franklin U.S. Government
9-30-99 Purchase $1,000.00 $18.45605077 54.183 54.183 $1,000.00
9-30-00 Contract Fee (1.00) $19.37434296 (0.052) 54.131 1,048.76
9-30-00 GVP charge 0.00 $19.37434296 0.000 54.131 1,048.76
9-30-00 Value before Surr Chg $19.37434296 0.000 54.131 1,048.76
<PAGE>
9-30-00 Surrender Charge (80.00) $19.37434296 (4.129) 50.002 968.76
Cumulative and Average Annual Total Returns
without/with charges 4.98% A -3.12% B
JP Morgan International Opportunitities
9-30-99 Purchase $1,000.00 $15.18098871 65.872 65.872 $1,000.00
9-30-00 Contract Fee (1.00) $15.65899090 (0.064) 65.808 1,030.49
9-30-00 GVP charge 0.00 $15.65899090 0.000 65.808 1,030.49
9-30-00 Value before Surr Chg $15.65899090 0.000 65.808 1,030.49
9-30-00 Surrender Charge (80.00) $15.65899090 (5.109) 60.699 950.49
Cumulative and Average Annual Total Returns
without/with charges 3.15% A -4.95% B
JP Morgan US Disciplined Equity
9-30-99 Purchase $1,000.00 $25.05421498 39.913 39.913 $1,000.00
9-30-00 Contract Fee (1.00) $25.79552175 (0.039) 39.875 1,028.59
9-30-00 GVP charge 0.00 $25.79552175 0.000 39.875 1,028.59
9-30-00 Value before Surr Chg $25.79552175 0.000 39.875 1,028.59
9-30-00 Surrender Charge (80.00) $25.79552175 (3.101) 36.773 948.59
Cumulative and Average Annual Total Returns
without/with charges 2.96% A -5.14% B
Mutual Discovery Securities
9-30-99 Purchase $1,000.00 $11.95210403 83.667 83.667 $1,000.00
9-30-00 Contract Fee (1.00) $14.59604261 (0.069) 83.599 1,220.21
9-30-00 GVP charge (24.40) $14.59604261 (1.672) 81.927 1,195.81
9-30-00 Value before Surr Chg $14.59604261 0.000 81.927 1,195.81
9-30-00 Surrender Charge (80.00) $14.59604261 (5.481) 76.446 1,115.81
Cumulative and Average Annual Total Returns
without/with charges 22.12% A 11.58% B
Mutual Shares Securities
9-30-99 Purchase $1,000.00 $12.26487505 81.534 81.534 $1,000.00
9-30-00 Contract Fee (1.00) $14.05053067 (0.071) 81.462 1,144.59
9-30-00 GVP charge (22.89) $14.05053067 (1.629) 79.833 1,121.70
9-30-00 Value before Surr Chg $14.05053067 0.000 79.833 1,121.70
9-30-00 Surrender Charge (80.00) $14.05053067 (5.694) 74.139 1,041.70
Cumulative and Average Annual Total Returns
without/with charges 14.56% A 4.17% B
Oppenheimer VA Global Securities
9-30-99 Purchase $1,000.00 $26.38693524 37.898 37.898 $1,000.00
9-30-00 Contract Fee (1.00) $38.76018856 (0.026) 37.872 1,467.92
9-30-00 GVP charge (29.36) $38.76018856 (0.757) 37.114 1,438.56
9-30-00 Value before Surr Chg $38.76018856 0.000 37.114 1,438.56
9-30-00 Surrender Charge (80.00) $38.76018856 (2.064) 35.050 1,358.56
Cumulative and Average Annual Total Returns
without/with charges 46.89% A 35.86% B
Oppenheimer VA High Income
9-30-99 Purchase $1,000.00 $36.32193446 27.532 27.532 $1,000.00
9-30-00 Contract Fee (1.00) $36.58358037 (0.027) 27.504 1,006.20
<PAGE>
9-30-00 GVP charge 0.00 $36.58358037 0.000 27.504 1,006.20
9-30-00 Value before Surr Chg $36.58358037 0.000 27.504 1,006.20
9-30-00 Surrender Charge (80.00) $36.58358037 (2.187) 25.317 926.20
Cumulative and Average Annual Total Returns
without/with charges 0.72% A -7.38% B
Oppenheimer VA Main Street Growth & Income
9-30-99 Purchase $1,000.00 $23.52761107 42.503 42.503 $1,000.00
9-30-00 Contract Fee (1.00) $26.21753339 (0.038) 42.465 1,113.33
9-30-00 GVP charge (22.27) $26.21753339 (0.849) 41.616 1,091.06
9-30-00 Value before Surr Chg $26.21753339 0.000 41.616 1,091.06
9-30-00 Surrender Charge (80.00) $26.21753339 (3.051) 38.564 1,011.06
Cumulative and Average Annual Total Returns
without/with charges 11.43% A 1.11% B
PIMCO VIT High Yield Bond
9-30-99 Purchase $1,000.00 $10.07493554 99.256 99.256 $1,000.00
9-30-00 Contract Fee (1.00) $10.21790675 (0.098) 99.158 1,013.19
9-30-00 GVP charge 0.00 $10.21790675 0.000 99.158 1,013.19
9-30-00 Value before Surr Chg $10.21790675 0.000 99.158 1,013.19
9-30-00 Surrender Charge (80.00) $10.21790675 (7.829) 91.329 933.19
Cumulative and Average Annual Total Returns
without/with charges 1.42% A -6.68% B
PIMCO VIT Stocks PLUS Growth & Income
9-30-99 Purchase $1,000.00 $13.30911511 75.136 75.136 $1,000.00
9-30-00 Contract Fee (1.00) $14.52646999 (0.069) 75.068 1,090.47
9-30-00 GVP charge (5.47) $14.52646999 (0.376) 74.691 1,085.00
9-30-00 Value before Surr Chg $14.52646999 0.000 74.691 1,085.00
9-30-00 Surrender Charge (80.00) $14.52646999 (5.507) 69.184 1,005.00
Cumulative and Average Annual Total Returns
without/with charges 9.15% A 0.50% B
PIMCO VIT Total Return Bond
9-30-99 Purchase $1,000.00 $10.47606047 95.456 95.456 $1,000.00
9-30-00 Contract Fee (1.00) $10.99727032 (0.091) 95.365 1,048.75
9-30-00 GVP charge 0.00 $10.99727032 0.000 95.365 1,048.75
9-30-00 Value before Surr Chg $10.99727032 0.000 95.365 1,048.75
9-30-00 Surrender Charge (80.00) $10.99727032 (7.275) 88.090 968.75
Cumulative and Average Annual Total Returns
without/with charges 4.98% A -3.12% B
Seligman Henderson Global Technology
9-30-99 Purchase $1,000.00 $22.53928578 44.367 44.367 $1,000.00
9-30-00 Contract Fee (1.00) $33.27799978 (0.030) 44.337 1,475.44
9-30-00 GVP charge (29.51) $33.27799978 (0.887) 43.450 1,445.94
9-30-00 Value before Surr Chg $33.27799978 0.000 43.450 1,445.94
9-30-00 Surrender Charge (80.00) $33.27799978 (2.404) 41.046 1,365.94
Cumulative and Average Annual Total Returns
without/with charges 47.64% A 36.59% B
Seligman Small Cap Value
<PAGE>
9-30-99 Purchase $1,000.00 $10.32615702 96.841 96.841 $1,000.00
9-30-00 Contract Fee (1.00) $12.97064896 (0.077) 96.764 1,255.10
9-30-00 GVP charge (25.10) $12.97064896 (1.935) 94.829 1,229.99
9-30-00 Value before Surr Chg $12.97064896 0.000 94.829 1,229.99
9-30-00 Surrender Charge (80.00) $12.97064896 (6.168) 88.661 1,149.99
Cumulative and Average Annual Total Returns
without/with charges 25.61% A 15.00% B
Templeton Developing Markets Equity
9-30-99 Purchase $1,000.00 $9.56623933 104.534 104.534 $1,000.00
9-30-00 Contract Fee (1.00) $8.94282243 (0.112) 104.422 933.83
9-30-00 GVP charge 0.00 $8.94282243 0.000 104.422 933.83
9-30-00 Value before Surr Chg $8.94282243 0.000 104.422 933.83
9-30-00 Surrender Charge (80.00) $8.94282243 (8.946) 95.477 853.83
Cumulative and Average Annual Total Returns
without/with charges -6.52% A -14.62% B
Templeton Global Growth
9-30-99 Purchase $1,000.00 $17.35523380 57.620 57.620 $1,000.00
9-30-00 Contract Fee (1.00) $18.33920721 (0.055) 57.565 1,055.70
9-30-00 GVP charge 0.00 $18.33920721 0.000 57.565 1,055.70
9-30-00 Value before Surr Chg $18.33920721 0.000 57.565 1,055.70
9-30-00 Surrender Charge (80.00) $18.33920721 (4.362) 53.203 975.70
Cumulative and Average Annual Total Returns
without/with charges 5.67% A -2.43% B
Templeton Pacific Growth
9-30-99 Purchase $1,000.00 $9.86693478 101.349 101.349 $1,000.00
9-30-00 Contract Fee (1.00) $8.53739241 (0.117) 101.231 864.25
9-30-00 GVP charge 0.00 $8.53739241 0.000 101.231 864.25
9-30-00 Value before Surr Chg $8.53739241 0.000 101.231 864.25
9-30-00 Surrender Charge (80.00) $8.53739241 (9.371) 91.861 784.25
Cumulative and Average Annual Total Returns
without/with charges -13.47% A -21.57% B
Van Kampen LIT Enterprise
9-30-99 Purchase $1,000.00 $39.63337873 25.231 25.231 $1,000.00
9-30-00 Contract Fee (1.00) $45.14495752 (0.022) 25.209 1,138.06
9-30-00 GVP charge (22.76) $45.14495752 (0.504) 24.705 1,115.30
9-30-00 Value before Surr Chg $45.14495752 0.000 24.705 1,115.30
9-30-00 Surrender Charge (80.00) $45.14495752 (1.772) 22.933 1,035.30
Cumulative and Average Annual Total Returns
without/with charges 13.91% A 3.53% B
Van Kampen LIT Growth & Income
9-30-99 Purchase $1,000.00 $14.52968470 68.825 68.825 $1,000.00
9-30-00 Contract Fee (1.00) $17.05173364 (0.059) 68.766 1,172.58
9-30-00 GVP charge (23.45) $17.05173364 (1.375) 67.391 1,149.13
9-30-00 Value before Surr Chg $17.05173364 0.000 67.391 1,149.13
9-30-00 Surrender Charge (80.00) $17.05173364 (4.692) 62.699 1,069.13
Cumulative and Average Annual Total Returns
without/with charges 17.36% A 6.91% B
<PAGE>
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = (Accumulated Value as of September 30, 2000 - Accum. Value at
Purch.)/Accum. Value at Purch.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions - Enhanced - 3%GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1999
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation Fund
<S> <C> <C> <C> <C> <C> <C>
9-30-99 Purchase $1,000.00 $24.79130576 40.337 40.337 $1,000.00
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 40.310 1,522.19
9-30-00 GVP charge (45.67) $37.76177365 (1.209) 39.101 1,476.52
9-30-00 Value before Surr Chg $37.76177365 0.000 39.101 1,476.52
9-30-00 Surrender Charge (80.00) $37.76177365 (2.119) 36.982 1,396.52
Cumulative and Average Annual Total Returns
without/with charges 52.32% A 39.65% B
AIM VI Growth
9-30-99 Purchase $1,000.00 $28.37275018 35.245 35.245 $1,000.00
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 35.216 1,227.29
9-30-00 GVP charge (36.82) $34.84992418 (1.056) 34.160 1,190.47
9-30-00 Value before Surr Chg $34.84992418 0.000 34.160 1,190.47
9-30-00 Surrender Charge (80.00) $34.84992418 (2.296) 31.864 1,110.47
Cumulative and Average Annual Total Returns
without/with charges 22.83% A 11.05% B
AIM VI International Equity Fund
9-30-99 Purchase $1,000.00 $19.54615812 51.161 51.161 $1,000.00
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 51.117 1,152.36
9-30-00 GVP charge (34.57) $22.54366313 (1.533) 49.583 1,117.78
9-30-00 Value before Surr Chg $22.54366313 0.000 49.583 1,117.78
9-30-00 Surrender Charge (80.00) $22.54366313 (3.549) 46.034 1,037.78
Cumulative and Average Annual Total Returns
without/with charges 15.34% A 3.78% B
AIM VI Value Fund
9-30-99 Purchase $1,000.00 $29.75103213 33.612 33.612 $1,000.00
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 33.581 1,077.79
<PAGE>
9-30-00 GVP charge 0.00 $32.09497972 0.000 33.581 1,077.79
9-30-00 Value before Surr Chg $32.09497972 0.000 33.581 1,077.79
9-30-00 Surrender Charge (80.00) $32.09497972 (2.493) 31.089 997.79
Cumulative and Average Annual Total Returns
without/with charges 7.88% A -0.22% B
Alger American Growth
9-30-99 Purchase $1,000.00 $64.92712461 15.402 15.402 $1,000.00
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 15.389 1,190.28
9-30-00 GVP charge (35.71) $77.34625720 (0.462) 14.927 1,154.57
9-30-00 Value before Surr Chg $77.34625720 0.000 14.927 1,154.57
9-30-00 Surrender Charge (80.00) $77.34625720 (1.034) 13.893 1,074.57
Cumulative and Average Annual Total Returns
without/with charges 19.13% A 7.46% B
Alger American Leveraged AllCap
9-30-99 Purchase $1,000.00 $42.67335184 23.434 23.434 $1,000.00
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 23.416 1,321.84
9-30-00 GVP charge (39.66) $56.45017474 (0.702) 22.714 1,282.19
9-30-00 Value before Surr Chg $56.45017474 0.000 22.714 1,282.19
9-30-00 Surrender Charge (80.00) $56.45017474 (1.417) 21.296 1,202.19
Cumulative and Average Annual Total Returns
without/with charges 32.28% A 20.22% B
Alger American MidCap Growth
9-30-99 Purchase $1,000.00 $30.53408293 32.750 32.750 $1,000.00
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 32.728 1,495.99
9-30-00 GVP charge (44.88) $45.70922909 (0.982) 31.747 1,451.11
9-30-00 Value before Surr Chg $45.70922909 0.000 31.747 1,451.11
9-30-00 Surrender Charge (80.00) $45.70922909 (1.750) 29.996 1,371.11
Cumulative and Average Annual Total Returns
without/with charges 49.70% A 37.11% B
Alger American Small Capitalization
9-30-99 Purchase $1,000.00 $51.86278040 19.282 19.282 $1,000.00
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 19.265 1,165.19
9-30-00 GVP charge (34.96) $60.48209966 (0.578) 18.687 1,130.24
9-30-00 Value before Surr Chg $60.48209966 0.000 18.687 1,130.24
9-30-00 Surrender Charge (80.00) $60.48209966 (1.323) 17.364 1,050.24
Cumulative and Average Annual Total Returns
without/with charges 16.62% A 5.02% B
Davis VA Financial Portfolio
9-30-99 Purchase $1,000.00 $8.86568023 112.795 112.795 $1,000.00
9-30-00 Contract Fee (1.00) $11.37070537 (0.088) 112.707 1,281.55
9-30-00 GVP charge (38.45) $11.37070537 (3.381) 109.325 1,243.11
9-30-00 Value before Surr Chg $11.37070537 0.000 109.325 1,243.11
9-30-00 Surrender Charge (80.00) $11.37070537 (7.036) 102.290 1,163.11
Cumulative and Average Annual Total Returns
without/with charges 28.26% A 16.31% B
Davis VA Real Estate
<PAGE>
9-30-99 Purchase $1,000.00 $8.92538178 112.040 112.040 $1,000.00
9-30-00 Contract Fee (1.00) $10.29714476 (0.097) 111.943 1,152.69
9-30-00 GVP charge (34.58) $10.29714476 (3.358) 108.585 1,118.11
9-30-00 Value before Surr Chg $10.29714476 0.000 108.585 1,118.11
9-30-00 Surrender Charge (80.00) $10.29714476 (7.769) 100.815 1,038.11
Cumulative and Average Annual Total Returns
without/with charges 15.37% A 3.81% B
Davis VA Value
9-30-99 Purchase $1,000.00 $9.11443669 109.716 109.716 $1,000.00
9-30-00 Contract Fee (1.00) $10.82087020 (0.092) 109.624 1,186.22
9-30-00 GVP charge (35.59) $10.82087020 (3.289) 106.335 1,150.64
9-30-00 Value before Surr Chg $10.82087020 0.000 106.335 1,150.64
9-30-00 Surrender Charge (80.00) $10.82087020 (7.393) 98.942 1,070.64
Cumulative and Average Annual Total Returns
without/with charges 18.72% A 7.06% B
Franklin Growth & Income
9-30-99 Purchase $1,000.00 $24.32119606 41.116 41.116 $1,000.00
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 41.079 1,098.81
9-30-00 GVP charge (18.81) $26.74875738 (0.703) 40.376 1,080.00
9-30-00 Value before Surr Chg $26.74875738 0.000 40.376 1,080.00
9-30-00 Surrender Charge (80.00) $26.74875738 (2.991) 37.385 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 9.98% A 0.00% B
Franklin Rising Dividends Securities
9-30-99 Purchase $1,000.00 $18.24701145 54.803 54.803 $1,000.00
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 54.750 1,017.77
9-30-00 GVP charge 0.00 $18.58958874 0.000 54.750 1,017.77
9-30-00 Value before Surr Chg $18.58958874 0.000 54.750 1,017.77
9-30-00 Surrender Charge (80.00) $18.58958874 (4.303) 50.446 937.77
Cumulative and Average Annual Total Returns
without/with charges 1.88% A -6.22% B
Franklin Small Cap
9-30-99 Purchase $1,000.00 $17.22107539 58.068 58.068 $1,000.00
9-30-00 Contract Fee (1.00) $29.08564041 (0.034) 58.034 1,687.96
9-30-00 GVP charge (50.64) $29.08564041 (1.741) 56.293 1,637.32
9-30-00 Value before Surr Chg $29.08564041 0.000 56.293 1,637.32
9-30-00 Surrender Charge (80.00) $29.08564041 (2.750) 53.542 1,557.32
Cumulative and Average Annual Total Returns
without/with charges 68.90% A 55.73% B
Franklin U.S. Government
9-30-99 Purchase $1,000.00 $17.51021768 57.110 57.110 $1,000.00
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 57.055 1,043.52
9-30-00 GVP charge 0.00 $18.28976296 0.000 57.055 1,043.52
9-30-00 Value before Surr Chg $18.28976296 0.000 57.055 1,043.52
9-30-00 Surrender Charge (80.00) $18.28976296 (4.374) 52.681 963.52
Cumulative and Average Annual Total Returns
without/with charges 4.45% A -3.65% B
<PAGE>
JP Morgan International Opportunitities
9-30-99 Purchase $1,000.00 $14.82521335 67.453 67.453 $1,000.00
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 67.387 1,025.34
9-30-00 GVP charge 0.00 $15.21573694 0.000 67.387 1,025.34
9-30-00 Value before Surr Chg $15.21573694 0.000 67.387 1,025.34
9-30-00 Surrender Charge (80.00) $15.21573694 (5.258) 62.129 945.34
Cumulative and Average Annual Total Returns
without/with charges 2.63% A -5.47% B
JP Morgan US Disciplined Equity
9-30-99 Purchase $1,000.00 $24.46705477 40.871 40.871 $1,000.00
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 40.831 1,023.45
9-30-00 GVP charge 0.00 $25.06533629 0.000 40.831 1,023.45
9-30-00 Value before Surr Chg $25.06533629 0.000 40.831 1,023.45
9-30-00 Surrender Charge (80.00) $25.06533629 (3.192) 37.640 943.45
Cumulative and Average Annual Total Returns
without/with charges 2.45% A -5.65% B
Mutual Discovery Securities
9-30-99 Purchase $1,000.00 $11.78092040 84.883 84.883 $1,000.00
9-30-00 Contract Fee (1.00) $14.31522915 (0.070) 84.813 1,214.12
9-30-00 GVP charge (36.42) $14.31522915 (2.544) 82.269 1,177.70
9-30-00 Value before Surr Chg $14.31522915 0.000 82.269 1,177.70
9-30-00 Surrender Charge (80.00) $14.31522915 (5.588) 76.680 1,097.70
Cumulative and Average Annual Total Returns
without/with charges 21.51% A 9.77% B
Mutual Shares Securities
9-30-99 Purchase $1,000.00 $12.08921177 82.718 82.718 $1,000.00
9-30-00 Contract Fee (1.00) $13.78021233 (0.073) 82.646 1,138.88
9-30-00 GVP charge (34.17) $13.78021233 (2.479) 80.166 1,104.71
9-30-00 Value before Surr Chg $13.78021233 0.000 80.166 1,104.71
9-30-00 Surrender Charge (80.00) $13.78021233 (5.805) 74.361 1,024.71
Cumulative and Average Annual Total Returns
without/with charges 13.99% A 2.47% B
Oppenheimer VA Global Securities
9-30-99 Purchase $1,000.00 $25.23990976 39.620 39.620 $1,000.00
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 39.593 1,460.59
9-30-00 GVP charge (43.82) $36.89037351 (1.188) 38.405 1,416.77
9-30-00 Value before Surr Chg $36.89037351 0.000 38.405 1,416.77
9-30-00 Surrender Charge (80.00) $36.89037351 (2.169) 36.236 1,336.77
Cumulative and Average Annual Total Returns
without/with charges 46.16% A 33.68% B
Oppenheimer VA High Income
9-30-99 Purchase $1,000.00 $33.96323093 29.444 29.444 $1,000.00
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 29.414 1,001.18
9-30-00 GVP charge 0.00 $34.03725742 0.000 29.414 1,001.18
9-30-00 Value before Surr Chg $34.03725742 0.000 29.414 1,001.18
9-30-00 Surrender Charge (80.00) $34.03725742 (2.350) 27.064 921.18
Cumulative and Average Annual Total Returns
<PAGE>
without/with charges 0.22% A -7.88% B
Oppenheimer VA Main Street Growth & Income
9-30-99 Purchase $1,000.00 $23.03390334 43.414 43.414 $1,000.00
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 43.375 1,107.77
9-30-00 GVP charge (27.77) $25.53935132 (1.087) 42.288 1,080.00
9-30-00 Value before Surr Chg $25.53935132 0.000 42.288 1,080.00
9-30-00 Surrender Charge (80.00) $25.53935132 (3.132) 39.155 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 10.88% A 0.00% B
PIMCO VIT High Yield Bond
9-30-99 Purchase $1,000.00 $10.00359402 99.964 99.964 $1,000.00
9-30-00 Contract Fee (1.00) $10.09493539 (0.099) 99.865 1,008.13
9-30-00 GVP charge 0.00 $10.09493539 0.000 99.865 1,008.13
9-30-00 Value before Surr Chg $10.09493539 0.000 99.865 1,008.13
9-30-00 Surrender Charge (80.00) $10.09493539 (7.925) 91.940 928.13
Cumulative and Average Annual Total Returns
without/with charges 0.91% A -7.19% B
PIMCO VIT Stocks PLUS Growth & Income
9-30-99 Purchase $1,000.00 $13.19297285 75.798 75.798 $1,000.00
9-30-00 Contract Fee (1.00) $14.32786250 (0.070) 75.728 1,085.02
9-30-00 GVP charge (5.02) $14.32786250 (0.351) 75.378 1,080.00
9-30-00 Value before Surr Chg $14.32786250 0.000 75.378 1,080.00
9-30-00 Surrender Charge (80.00) $14.32786250 (5.584) 69.794 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 8.60% A 0.00% B
PIMCO VIT Total Return Bond
9-30-99 Purchase $1,000.00 $10.38477227 96.295 96.295 $1,000.00
9-30-00 Contract Fee (1.00) $10.84705164 (0.092) 96.203 1,043.52
9-30-00 GVP charge 0.00 $10.84705164 0.000 96.203 1,043.52
9-30-00 Value before Surr Chg $10.84705164 0.000 96.203 1,043.52
9-30-00 Surrender Charge (80.00) $10.84705164 (7.375) 88.827 963.52
Cumulative and Average Annual Total Returns
without/with charges 4.45% A -3.65% B
Seligman Henderson Global Technology
9-30-99 Purchase $1,000.00 $22.15780301 45.131 45.131 $1,000.00
9-30-00 Contract Fee (1.00) $32.55158097 (0.031) 45.100 1,468.08
9-30-00 GVP charge (44.04) $32.55158097 (1.353) 43.747 1,424.04
9-30-00 Value before Surr Chg $32.55158097 0.000 43.747 1,424.04
9-30-00 Surrender Charge (80.00) $32.55158097 (2.458) 41.289 1,344.04
Cumulative and Average Annual Total Returns
without/with charges 46.91% A 34.40% B
Seligman Small Cap Value
9-30-99 Purchase $1,000.00 $10.25327663 97.530 97.530 $1,000.00
9-30-00 Contract Fee (1.00) $12.81486337 (0.078) 97.452 1,248.83
9-30-00 GVP charge (37.46) $12.81486337 (2.924) 94.528 1,211.37
9-30-00 Value before Surr Chg $12.81486337 0.000 94.528 1,211.37
<PAGE>
9-30-00 Surrender Charge (80.00) $12.81486337 (6.243) 88.285 1,131.37
Cumulative and Average Annual Total Returns
without/with charges 24.98% A 13.14% B
Templeton Developing Markets Equity
9-30-99 Purchase $1,000.00 $9.30449684 107.475 107.475 $1,000.00
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 107.359 929.70
9-30-00 GVP charge 0.00 $8.65965003 0.000 107.359 929.70
9-30-00 Value before Surr Chg $8.65965003 0.000 107.359 929.70
9-30-00 Surrender Charge (80.00) $8.65965003 (9.238) 98.121 849.70
Cumulative and Average Annual Total Returns
without/with charges -6.93% A -15.03% B
Templeton Global Growth
9-30-99 Purchase $1,000.00 $16.88037613 59.240 59.240 $1,000.00
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 59.184 1,050.43
9-30-00 GVP charge 0.00 $17.74845416 0.000 59.184 1,050.43
9-30-00 Value before Surr Chg $17.74845416 0.000 59.184 1,050.43
9-30-00 Surrender Charge (80.00) $17.74845416 (4.507) 54.677 970.43
Cumulative and Average Annual Total Returns
without/with charges 5.14% A -2.96% B
Templeton Pacific Growth
9-30-99 Purchase $1,000.00 $9.39481370 106.442 106.442 $1,000.00
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 106.318 857.96
9-30-00 GVP charge 0.00 $8.06975054 0.000 106.318 857.96
9-30-00 Value before Surr Chg $8.06975054 0.000 106.318 857.96
9-30-00 Surrender Charge (80.00) $8.06975054 (9.914) 96.404 777.96
Cumulative and Average Annual Total Returns
without/with charges -14.10% A -22.20% B
Van Kampen LIT Enterprise
9-30-99 Purchase $1,000.00 $37.04422330 26.995 26.995 $1,000.00
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 26.971 1,132.38
9-30-00 GVP charge (33.97) $41.98527185 (0.809) 26.162 1,098.41
9-30-00 Value before Surr Chg $41.98527185 0.000 26.162 1,098.41
9-30-00 Surrender Charge (80.00) $41.98527185 (1.905) 24.256 1,018.41
Cumulative and Average Annual Total Returns
without/with charges 13.34% A 1.84% B
Van Kampen LIT Growth & Income
9-30-99 Purchase $1,000.00 $14.32943391 69.786 69.786 $1,000.00
9-30-00 Contract Fee (1.00) $16.73284193 (0.060) 69.727 1,166.73
9-30-00 GVP charge (35.00) $16.73284193 (2.092) 67.635 1,131.72
9-30-00 Value before Surr Chg $16.73284193 0.000 67.635 1,131.72
9-30-00 Surrender Charge (80.00) $16.73284193 (4.781) 62.854 1,051.72
Cumulative and Average Annual Total Returns
without/with charges 16.77% A 5.17% B
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = (Accumulated Value as of September 30, 2000 - Accum. Value at
<PAGE>
Purch.)/Accum. Value at Purch.
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions - Enhanced - 5% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1999
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation Fund
<S> <C> <C> <C> <C> <C> <C>
9-30-99 Purchase $1,000.00 $24.79130576 40.337 40.337 $1,000.00
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 40.310 1,522.19
9-30-00 GVP charge (76.11) $37.76177365 (2.016) 38.295 1,446.08
9-30-00 Value before Surr Chg $37.76177365 0.000 38.295 1,446.08
9-30-00 Surrender Charge (80.00) $37.76177365 (2.119) 36.176 1,366.08
Cumulative and Average Annual Total Returns
without/with charges 52.32% A 36.61% B
AIM VI Growth
9-30-99 Purchase $1,000.00 $28.37275018 35.245 35.245 $1,000.00
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 35.216 1,227.29
9-30-00 GVP charge (61.36) $34.84992418 (1.761) 33.456 1,165.92
9-30-00 Value before Surr Chg $34.84992418 0.000 33.456 1,165.92
9-30-00 Surrender Charge (80.00) $34.84992418 (2.296) 31.160 1,085.92
Cumulative and Average Annual Total Returns
without/with charges 22.83% A 8.59% B
AIM VI International Equity Fund
9-30-99 Purchase $1,000.00 $19.54615812 51.161 51.161 $1,000.00
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 51.117 1,152.36
9-30-00 GVP charge (57.62) $22.54366313 (2.556) 48.561 1,094.74
9-30-00 Value before Surr Chg $22.54366313 0.000 48.561 1,094.74
9-30-00 Surrender Charge (80.00) $22.54366313 (3.549) 45.012 1,014.74
Cumulative and Average Annual Total Returns
without/with charges 15.34% A 1.47% B
AIM VI Value Fund
9-30-99 Purchase $1,000.00 $29.75103213 33.612 33.612 $1,000.00
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 33.581 1,077.79
9-30-00 GVP charge 0.00 $32.09497972 0.000 33.581 1,077.79
9-30-00 Value before Surr Chg $32.09497972 0.000 33.581 1,077.79
9-30-00 Surrender Charge (80.00) $32.09497972 (2.493) 31.089 997.79
Cumulative and Average Annual Total Returns
<PAGE>
without/with charges 7.88% A -0.22% B
Alger American Growth
9-30-99 Purchase $1,000.00 $64.92712461 15.402 15.402 $1,000.00
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 15.389 1,190.28
9-30-00 GVP charge (59.51) $77.34625720 (0.769) 14.620 1,130.76
9-30-00 Value before Surr Chg $77.34625720 0.000 14.620 1,130.76
9-30-00 Surrender Charge (80.00) $77.34625720 (1.034) 13.585 1,050.76
Cumulative and Average Annual Total Returns
without/with charges 19.13% A 5.08% B
Alger American Leveraged AllCap
9-30-99 Purchase $1,000.00 $42.67335184 23.434 23.434 $1,000.00
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 23.416 1,321.84
9-30-00 GVP charge (66.09) $56.45017474 (1.171) 22.245 1,255.75
9-30-00 Value before Surr Chg $56.45017474 0.000 22.245 1,255.75
9-30-00 Surrender Charge (80.00) $56.45017474 (1.417) 20.828 1,175.75
Cumulative and Average Annual Total Returns
without/with charges 32.28% A 17.58% B
Alger American MidCap Growth
9-30-99 Purchase $1,000.00 $30.53408293 32.750 32.750 $1,000.00
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 32.728 1,495.99
9-30-00 GVP charge (74.80) $45.70922909 (1.636) 31.092 1,421.19
9-30-00 Value before Surr Chg $45.70922909 0.000 31.092 1,421.19
9-30-00 Surrender Charge (80.00) $45.70922909 (1.750) 29.342 1,341.19
Cumulative and Average Annual Total Returns
without/with charges 49.70% A 34.12% B
Alger American Small Capitalization
9-30-99 Purchase $1,000.00 $51.86278040 19.282 19.282 $1,000.00
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 19.265 1,165.19
9-30-00 GVP charge (58.26) $60.48209966 (0.963) 18.302 1,106.93
9-30-00 Value before Surr Chg $60.48209966 0.000 18.302 1,106.93
9-30-00 Surrender Charge (80.00) $60.48209966 (1.323) 16.979 1,026.93
Cumulative and Average Annual Total Returns
without/with charges 16.62% A 2.69% B
Davis VA Financial Portfolio
9-30-99 Purchase $1,000.00 $8.86568023 112.795 112.795 $1,000.00
9-30-00 Contract Fee (1.00) $11.37070537 (0.088) 112.707 1,281.55
9-30-00 GVP charge (64.08) $11.37070537 (5.635) 107.071 1,217.48
9-30-00 Value before Surr Chg $11.37070537 0.000 107.071 1,217.48
9-30-00 Surrender Charge (80.00) $11.37070537 (7.036) 100.036 1,137.48
Cumulative and Average Annual Total Returns
without/with charges 28.26% A 13.75% B
Davis VA Real Estate
9-30-99 Purchase $1,000.00 $8.92538178 112.040 112.040 $1,000.00
9-30-00 Contract Fee (1.00) $10.29714476 (0.097) 111.943 1,152.69
9-30-00 GVP charge (57.63) $10.29714476 (5.597) 106.346 1,095.06
9-30-00 Value before Surr Chg $10.29714476 0.000 106.346 1,095.06
<PAGE>
9-30-00 Surrender Charge (80.00) $10.29714476 (7.769) 98.577 1,015.06
Cumulative and Average Annual Total Returns
without/with charges 15.37% A 1.51% B
Davis VA Value
9-30-99 Purchase $1,000.00 $9.11443669 109.716 109.716 $1,000.00
9-30-00 Contract Fee (1.00) $10.82087020 (0.092) 109.624 1,186.22
9-30-00 GVP charge (59.31) $10.82087020 (5.481) 104.142 1,126.91
9-30-00 Value before Surr Chg $10.82087020 0.000 104.142 1,126.91
9-30-00 Surrender Charge (80.00) $10.82087020 (7.393) 96.749 1,046.91
Cumulative and Average Annual Total Returns
without/with charges 18.72% A 4.69% B
Franklin Growth & Income
9-30-99 Purchase $1,000.00 $24.32119606 41.116 41.116 $1,000.00
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 41.079 1,098.81
9-30-00 GVP charge (18.81) $26.74875738 (0.703) 40.376 1,080.00
9-30-00 Value before Surr Chg $26.74875738 0.000 40.376 1,080.00
9-30-00 Surrender Charge (80.00) $26.74875738 (2.991) 37.385 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 9.98% A 0.00% B
Franklin Rising Dividends Securities
9-30-99 Purchase $1,000.00 $18.24701145 54.803 54.803 $1,000.00
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 54.750 1,017.77
9-30-00 GVP charge 0.00 $18.58958874 0.000 54.750 1,017.77
9-30-00 Value before Surr Chg $18.58958874 0.000 54.750 1,017.77
9-30-00 Surrender Charge (80.00) $18.58958874 (4.303) 50.446 937.77
Cumulative and Average Annual Total Returns
without/with charges 1.88% A -6.22% B
Franklin Small Cap
9-30-99 Purchase $1,000.00 $17.22107539 58.068 58.068 $1,000.00
9-30-00 Contract Fee (1.00) $29.08564041 (0.034) 58.034 1,687.96
9-30-00 GVP charge (84.40) $29.08564041 (2.902) 55.132 1,603.56
9-30-00 Value before Surr Chg $29.08564041 0.000 55.132 1,603.56
9-30-00 Surrender Charge (80.00) $29.08564041 (2.750) 52.382 1,523.56
Cumulative and Average Annual Total Returns
without/with charges 68.90% A 52.36% B
Franklin U.S. Government
9-30-99 Purchase $1,000.00 $17.51021768 57.110 57.110 $1,000.00
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 57.055 1,043.52
9-30-00 GVP charge 0.00 $18.28976296 0.000 57.055 1,043.52
9-30-00 Value before Surr Chg $18.28976296 0.000 57.055 1,043.52
9-30-00 Surrender Charge (80.00) $18.28976296 (4.374) 52.681 963.52
Cumulative and Average Annual Total Returns
without/with charges 4.45% A -3.65% B
JP Morgan International Opportunitities
9-30-99 Purchase $1,000.00 $14.82521335 67.453 67.453 $1,000.00
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 67.387 1,025.34
<PAGE>
9-30-00 GVP charge 0.00 $15.21573694 0.000 67.387 1,025.34
9-30-00 Value before Surr Chg $15.21573694 0.000 67.387 1,025.34
9-30-00 Surrender Charge (80.00) $15.21573694 (5.258) 62.129 945.34
Cumulative and Average Annual Total Returns
without/with charges 2.63% A -5.47% B
JP Morgan US Disciplined Equity
9-30-99 Purchase $1,000.00 $24.46705477 40.871 40.871 $1,000.00
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 40.831 1,023.45
9-30-00 GVP charge 0.00 $25.06533629 0.000 40.831 1,023.45
9-30-00 Value before Surr Chg $25.06533629 0.000 40.831 1,023.45
9-30-00 Surrender Charge (80.00) $25.06533629 (3.192) 37.640 943.45
Cumulative and Average Annual Total Returns
without/with charges 2.45% A -5.65% B
Mutual Discovery Securities
9-30-99 Purchase $1,000.00 $11.78092040 84.883 84.883 $1,000.00
9-30-00 Contract Fee (1.00) $14.31522915 (0.070) 84.813 1,214.12
9-30-00 GVP charge (60.71) $14.31522915 (4.241) 80.572 1,153.41
9-30-00 Value before Surr Chg $14.31522915 0.000 80.572 1,153.41
9-30-00 Surrender Charge (80.00) $14.31522915 (5.588) 74.984 1,073.41
Cumulative and Average Annual Total Returns
without/with charges 21.51% A 7.34% B
Mutual Shares Securities
9-30-99 Purchase $1,000.00 $12.08921177 82.718 82.718 $1,000.00
9-30-00 Contract Fee (1.00) $13.78021233 (0.073) 82.646 1,138.88
9-30-00 GVP charge (56.94) $13.78021233 (4.132) 78.514 1,081.93
9-30-00 Value before Surr Chg $13.78021233 0.000 78.514 1,081.93
9-30-00 Surrender Charge (80.00) $13.78021233 (5.805) 72.708 1,001.93
Cumulative and Average Annual Total Returns
without/with charges 13.99% A 0.19% B
Oppenheimer VA Global Securities
9-30-99 Purchase $1,000.00 $25.23990976 39.620 39.620 $1,000.00
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 39.593 1,460.59
9-30-00 GVP charge (73.03) $36.89037351 (1.980) 37.613 1,387.56
9-30-00 Value before Surr Chg $36.89037351 0.000 37.613 1,387.56
9-30-00 Surrender Charge (80.00) $36.89037351 (2.169) 35.444 1,307.56
Cumulative and Average Annual Total Returns
without/with charges 46.16% A 30.76% B
Oppenheimer VA High Income
9-30-99 Purchase $1,000.00 $33.96323093 29.444 29.444 $1,000.00
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 29.414 1,001.18
9-30-00 GVP charge 0.00 $34.03725742 0.000 29.414 1,001.18
9-30-00 Value before Surr Chg $34.03725742 0.000 29.414 1,001.18
9-30-00 Surrender Charge (80.00) $34.03725742 (2.350) 27.064 921.18
Cumulative and Average Annual Total Returns
without/with charges 0.22% A -7.88% B
Oppenheimer VA Main Street Growth & Income
<PAGE>
9-30-99 Purchase $1,000.00 $23.03390334 43.414 43.414 $1,000.00
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 43.375 1,107.77
9-30-00 GVP charge (27.77) $25.53935132 (1.087) 42.288 1,080.00
9-30-00 Value before Surr Chg $25.53935132 0.000 42.288 1,080.00
9-30-00 Surrender Charge (80.00) $25.53935132 (3.132) 39.155 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 10.88% A 0.00% B
PIMCO VIT High Yield Bond
9-30-99 Purchase $1,000.00 $10.00359402 99.964 99.964 $1,000.00
9-30-00 Contract Fee (1.00) $10.09493539 (0.099) 99.865 1,008.13
9-30-00 GVP charge 0.00 $10.09493539 0.000 99.865 1,008.13
9-30-00 Value before Surr Chg $10.09493539 0.000 99.865 1,008.13
9-30-00 Surrender Charge (80.00) $10.09493539 (7.925) 91.940 928.13
Cumulative and Average Annual Total Returns
without/with charges 0.91% A -7.19% B
PIMCO VIT Stocks PLUS Growth & Income
9-30-99 Purchase $1,000.00 $13.19297285 75.798 75.798 $1,000.00
9-30-00 Contract Fee (1.00) $14.32786250 (0.070) 75.728 1,085.02
9-30-00 GVP charge (5.02) $14.32786250 (0.351) 75.378 1,080.00
9-30-00 Value before Surr Chg $14.32786250 0.000 75.378 1,080.00
9-30-00 Surrender Charge (80.00) $14.32786250 (5.584) 69.794 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 8.60% A 0.00% B
PIMCO VIT Total Return Bond
9-30-99 Purchase $1,000.00 $10.38477227 96.295 96.295 $1,000.00
9-30-00 Contract Fee (1.00) $10.84705164 (0.092) 96.203 1,043.52
9-30-00 GVP charge 0.00 $10.84705164 0.000 96.203 1,043.52
9-30-00 Value before Surr Chg $10.84705164 0.000 96.203 1,043.52
9-30-00 Surrender Charge (80.00) $10.84705164 (7.375) 88.827 963.52
Cumulative and Average Annual Total Returns
without/with charges 4.45% A -3.65% B
Seligman Henderson Global Technology
9-30-99 Purchase $1,000.00 $22.15780301 45.131 45.131 $1,000.00
9-30-00 Contract Fee (1.00) $32.55158097 (0.031) 45.100 1,468.08
9-30-00 GVP charge (73.40) $32.55158097 (2.255) 42.845 1,394.68
9-30-00 Value before Surr Chg $32.55158097 0.000 42.845 1,394.68
9-30-00 Surrender Charge (80.00) $32.55158097 (2.458) 40.387 1,314.68
Cumulative and Average Annual Total Returns
without/with charges 46.91% A 31.47% B
Seligman Small Cap Value
9-30-99 Purchase $1,000.00 $10.25327663 97.530 97.530 $1,000.00
9-30-00 Contract Fee (1.00) $12.81486337 (0.078) 97.452 1,248.83
9-30-00 GVP charge (62.44) $12.81486337 (4.873) 92.579 1,186.39
9-30-00 Value before Surr Chg $12.81486337 0.000 92.579 1,186.39
9-30-00 Surrender Charge (80.00) $12.81486337 (6.243) 86.336 1,106.39
Cumulative and Average Annual Total Returns
without/with charges 24.98% A 10.64% B
<PAGE>
Templeton Developing Markets Equity
9-30-99 Purchase $1,000.00 $9.30449684 107.475 107.475 $1,000.00
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 107.359 929.70
9-30-00 GVP charge 0.00 $8.65965003 0.000 107.359 929.70
9-30-00 Value before Surr Chg $8.65965003 0.000 107.359 929.70
9-30-00 Surrender Charge (80.00) $8.65965003 (9.238) 98.121 849.70
Cumulative and Average Annual Total Returns
without/with charges -6.93% A -15.03% B
Templeton Global Growth
9-30-99 Purchase $1,000.00 $16.88037613 59.240 59.240 $1,000.00
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 59.184 1,050.43
9-30-00 GVP charge 0.00 $17.74845416 0.000 59.184 1,050.43
9-30-00 Value before Surr Chg $17.74845416 0.000 59.184 1,050.43
9-30-00 Surrender Charge (80.00) $17.74845416 (4.507) 54.677 970.43
Cumulative and Average Annual Total Returns
without/with charges 5.14% A -2.96% B
Templeton Pacific Growth
9-30-99 Purchase $1,000.00 $9.39481370 106.442 106.442 $1,000.00
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 106.318 857.96
9-30-00 GVP charge 0.00 $8.06975054 0.000 106.318 857.96
9-30-00 Value before Surr Chg $8.06975054 0.000 106.318 857.96
9-30-00 Surrender Charge (80.00) $8.06975054 (9.914) 96.404 777.96
Cumulative and Average Annual Total Returns
without/with charges -14.10% A -22.20% B
Van Kampen LIT Enterprise
9-30-99 Purchase $1,000.00 $37.04422330 26.995 26.995 $1,000.00
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 26.971 1,132.38
9-30-00 GVP charge (52.38) $41.98527185 (1.248) 25.723 1,080.00
9-30-00 Value before Surr Chg $41.98527185 0.000 25.723 1,080.00
9-30-00 Surrender Charge (80.00) $41.98527185 (1.905) 23.818 1,000.00
Cumulative and Average Annual Total Returns
without/with charges 13.34% A 0.00% B
Van Kampen LIT Growth & Income
9-30-99 Purchase $1,000.00 $14.32943391 69.786 69.786 $1,000.00
9-30-00 Contract Fee (1.00) $16.73284193 (0.060) 69.727 1,166.73
9-30-00 GVP charge (58.34) $16.73284193 (3.486) 66.240 1,108.39
9-30-00 Value before Surr Chg $16.73284193 0.000 66.240 1,108.39
9-30-00 Surrender Charge (80.00) $16.73284193 (4.781) 61.459 1,028.39
Cumulative and Average Annual Total Returns
without/with charges 16.77% A 2.84% B
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = (Accumulated Value as of September 30, 2000 - Accum. Value at
Purch.)/Accum. Value at Purch.
</FN>
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
Dimensions - Traditional
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1997
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
9-30-97 Purchase $1,000.00 $22.62929014 44.191 44.191 $1,000.00
9-30-98 Contract Fee (1.00) $19.67010169 (0.051) 44.140 868.23
9-30-98 GVP Charge 0.00 $19.67010169 0.000 44.140 868.23
9-30-99 Contract Fee (1.00) $25.59858665 (0.039) 44.101 1,128.91
9-30-99 GVP Charge (22.58) $25.59858665 (0.882) 43.219 1,106.34
9-30-00 Contract Fee (1.00) $39.18687629 (0.026) 43.193 1,692.60
9-30-00 GVP Charge (33.85) $39.18687629 (0.864) 42.329 1,658.75
9-30-00 Value before Surr Chg 0.00 $39.18687629 0.000 42.329 1,658.75
9-30-00 Surrender Charge (70.00) $39.18687629 (1.786) 40.543 1,588.75
Cumulative Total Returns without/with chrgs. 73.17% A 58.87% C
Avg. Annual Total Returns without/with chrgs. 20.09% B 16.69% D
AIM VI Growth
9-30-97 Purchase $1,000.00 $20.69695076 48.316 48.316 $1,000.00
9-30-98 Contract Fee (1.00) $21.08301822 (0.047) 48.269 1,017.65
9-30-98 GVP Charge 0.00 $21.08301822 0.000 48.269 1,017.65
9-30-99 Contract Fee (1.00) $29.29665388 (0.034) 48.235 1,413.12
9-30-99 GVP Charge (28.26) $29.29665388 (0.965) 47.270 1,384.85
9-30-00 Contract Fee (1.00) $36.16513568 (0.028) 47.242 1,708.53
9-30-00 GVP Charge (34.17) $36.16513568 (0.945) 46.298 1,674.36
9-30-00 Value before Surr Chg $36.16513568 0.000 46.298 1,674.36
9-30-00 Surrender Charge (70.00) $36.16513568 (1.936) 44.362 1,604.36
Cumulative Total Returns without/with chrgs. 74.74% A 60.44% C
Avg. Annual Total Returns without/with chrgs. 20.45% B 17.07% D
AIM VI International Equity
9-30-97 Purchase $1,000.00 $17.81113590 56.145 56.145 $1,000.00
9-30-98 Contract Fee (1.00) $16.62755311 (0.060) 56.085 932.55
9-30-98 GVP Charge 0.00 $16.62755311 0.000 56.085 932.55
9-30-99 Contract Fee (1.00) $20.18264093 (0.050) 56.035 1,130.93
9-30-99 GVP Charge (22.62) $20.18264093 (1.121) 54.914 1,108.31
9-30-00 Contract Fee (1.00) $23.39444504 (0.043) 54.872 1,283.69
9-30-00 GVP Charge (25.67) $23.39444504 (1.097) 53.774 1,258.01
9-30-00 Value before Surr Chg $23.39444504 0.000 53.774 1,258.01
9-30-00 Surrender Charge (70.00) $23.39444504 (2.992) 50.782 1,188.01
Cumulative Total Returns without/with chrgs. 31.35% A 18.80% C
Avg. Annual Total Returns without/with chrgs. 9.52% B 5.91% D
<PAGE>
AIM VI Value
9-30-97 Purchase $1,000.00 $22.01469586 45.424 45.424 $1,000.00
9-30-98 Contract Fee (1.00) $22.25477830 (0.045) 45.379 1,009.91
9-30-98 GVP Charge 0.00 $22.25477830 0.000 45.379 1,009.91
9-30-99 Contract Fee (1.00) $30.71981691 (0.033) 45.347 1,393.04
9-30-99 GVP Charge (27.86) $30.71981691 (0.907) 44.440 1,365.18
9-30-00 Contract Fee (1.00) $33.30622156 (0.030) 44.410 1,479.12
9-30-00 GVP Charge 0.00 $33.30622156 0.000 44.410 1,479.12
9-30-00 Value before Surr Chg $33.30622156 0.000 44.410 1,479.12
9-30-00 Surrender Charge (70.00) $33.30622156 (2.102) 42.308 1,409.12
Cumulative Total Returns without/with chrgs. 51.29% A 40.91% C
Avg. Annual Total Returns without/with chrgs. 14.80% B 12.11% D
Alger American Growth
9-30-97 Purchase $1,000.00 $44.90678511 22.268 22.268 $1,000.00
9-30-98 Contract Fee (1.00) $50.22891278 (0.020) 22.248 1,117.52
9-30-98 GVP Charge (22.35) $50.22891278 (0.445) 21.803 1,095.16
9-30-99 Contract Fee (1.00) $68.50552315 (0.015) 21.789 1,492.66
9-30-99 GVP Charge (29.85) $68.50552315 (0.436) 21.353 1,462.81
9-30-00 Contract Fee (1.00) $82.01823051 (0.012) 21.341 1,750.34
9-30-00 GVP Charge (35.01) $82.01823051 (0.427) 20.914 1,715.34
9-30-00 Value before Surr Chg $82.01823051 0.000 20.914 1,715.34
9-30-00 Surrender Charge (70.00) $82.01823051 (0.853) 20.061 1,645.34
Cumulative Total Returns without/with chrgs. 82.64% A 64.53% C
Avg. Annual Total Returns without/with chrgs. 22.24% B 18.06% D
Alger American Leveraged AllCap
9-30-97 Purchase $1,000.00 $23.80654332 42.005 42.005 $1,000.00
9-30-98 Contract Fee (1.00) $26.45417527 (0.038) 41.967 1,110.21
9-30-98 GVP Charge (22.20) $26.45417527 (0.839) 41.128 1,088.01
9-30-99 Contract Fee (1.00) $43.68425839 (0.023) 41.105 1,795.65
9-30-99 GVP Charge (35.91) $43.68425839 (0.822) 40.283 1,759.74
9-30-00 Contract Fee (1.00) $58.07713401 (0.017) 40.266 2,338.53
9-30-00 GVP Charge (46.77) $58.07713401 (0.805) 39.461 2,291.76
9-30-00 Value before Surr Chg $58.07713401 0.000 39.461 2,291.76
9-30-00 Surrender Charge (70.00) $58.07713401 (1.205) 38.255 2,221.76
Cumulative Total Returns without/with chrgs. 143.95% A 122.18% C
Avg. Annual Total Returns without/with chrgs. 34.62% B 30.49% D
Alger American MidCap Growth
9-30-97 Purchase $1,000.00 $25.61035574 39.047 39.047 $1,000.00
9-30-98 Contract Fee (1.00) $23.99498032 (0.042) 39.005 935.92
9-30-98 GVP Charge 0.00 $23.99498032 0.000 39.005 935.92
9-30-99 Contract Fee (1.00) $31.52923009 (0.032) 38.973 1,228.80
9-30-99 GVP Charge (24.58) $31.52923009 (0.779) 38.194 1,204.22
9-30-00 Contract Fee (1.00) $47.43556273 (0.021) 38.173 1,810.75
9-30-00 GVP Charge (36.21) $47.43556273 (0.763) 37.409 1,774.53
9-30-00 Value before Surr Chg $47.43556273 0.000 37.409 1,774.53
9-30-00 Surrender Charge (70.00) $47.43556273 (1.476) 35.934 1,704.53
Cumulative Total Returns without/with chrgs. 85.22% A 70.45% C
Avg. Annual Total Returns without/with chrgs. 22.81% B 19.45% D
<PAGE>
Alger American Small Capitalization
9-30-97 Purchase $1,000.00 $47.64034102 20.991 20.991 $1,000.00
9-30-98 Contract Fee (1.00) $40.77903298 (0.025) 20.966 854.98
9-30-98 GVP Charge 0.00 $40.77903298 0.000 20.966 854.98
9-30-99 Contract Fee (1.00) $54.80292550 (0.018) 20.948 1,148.00
9-30-99 GVP Charge (22.96) $54.80292550 (0.419) 20.529 1,125.04
9-30-00 Contract Fee (1.00) $64.23126592 (0.016) 20.513 1,317.60
9-30-00 GVP Charge (26.35) $64.23126592 (0.410) 20.103 1,291.24
9-30-00 Value before Surr Chg $64.23126592 0.000 20.103 1,291.24
9-30-00 Surrender Charge (70.00) $64.23126592 (1.090) 19.013 1,221.24
Cumulative Total Returns without/with chrgs. 34.83% A 22.12% C
Avg. Annual Total Returns without/with chrgs. 10.47% B 6.89% D
Franklin Growth & Income
9-30-97 Purchase $1,000.00 $23.52162195 42.514 42.514 $1,000.00
9-30-98 Contract Fee (1.00) $23.89302947 (0.042) 42.472 1,014.79
9-30-98 GVP Charge 0.00 $23.89302947 0.000 42.472 1,014.79
9-30-99 Contract Fee (1.00) $25.63493141 (0.039) 42.433 1,087.77
9-30-99 GVP Charge 0.00 $25.63493141 0.000 42.433 1,087.77
9-30-00 Contract Fee (1.00) $28.33495439 (0.035) 42.398 1,201.34
9-30-00 GVP Charge (21.11) $28.33495439 (0.745) 41.653 1,180.23
9-30-00 Value before Surr Chg $28.33495439 0.000 41.653 1,180.23
9-30-00 Surrender Charge (70.00) $28.33495439 (2.470) 39.182 1,110.23
Cumulative Total Returns without/with chrgs. 20.46% A 11.02% C
Avg. Annual Total Returns without/with chrgs. 6.40% B 3.55% D
Franklin Rising Dividends Securities
9-30-97 Purchase $1,000.00 $19.59483823 51.034 51.034 $1,000.00
9-30-98 Contract Fee (1.00) $17.67488946 (0.057) 50.977 901.02
9-30-98 GVP Charge 0.00 $17.67488946 0.000 50.977 901.02
9-30-99 Contract Fee (1.00) $18.95484747 (0.053) 50.925 965.27
9-30-99 GVP Charge 0.00 $18.95484747 0.000 50.925 965.27
9-30-00 Contract Fee (1.00) $19.40751840 (0.052) 50.873 987.32
9-30-00 GVP Charge 0.00 $19.40751840 0.000 50.873 987.32
9-30-00 Value before Surr Chg $19.40751840 0.000 50.873 987.32
9-30-00 Surrender Charge (70.00) $19.40751840 (3.607) 47.266 917.32
Cumulative Total Returns without/with chrgs. -0.96% A -8.27% C
Avg. Annual Total Returns without/with chrgs. -0.32% B -2.84% D
Franklin Small Cap
9-30-97 Purchase $1,000.00 $16.23976604 61.577 61.577 $1,000.00
9-30-98 Contract Fee (1.00) $11.74426630 (0.085) 61.492 722.18
9-30-98 GVP Charge 0.00 $11.74426630 0.000 61.492 722.18
9-30-99 Contract Fee (1.00) $17.56201869 (0.057) 61.435 1,078.93
9-30-99 GVP Charge (21.58) $17.56201869 (1.229) 60.206 1,057.35
9-30-00 Contract Fee (1.00) $29.81017138 (0.034) 60.173 1,793.76
9-30-00 GVP Charge (35.88) $29.81017138 (1.203) 58.969 1,757.89
9-30-00 Value before Surr Chg $29.81017138 0.000 58.969 1,757.89
9-30-00 Surrender Charge (70.00) $29.81017138 (2.348) 56.621 1,687.89
Cumulative Total Returns without/with chrgs. 83.56% A 68.79% C
Avg. Annual Total Returns without/with chrgs. 22.44% B 19.06% D
<PAGE>
Franklin U.S. Government
9-30-97 Purchase $1,000.00 $17.43448960 57.358 57.358 $1,000.00
9-30-98 Contract Fee (1.00) $18.87356457 (0.053) 57.305 1,081.54
9-30-98 GVP Charge 0.00 $18.87356457 0.000 57.305 1,081.54
9-30-99 Contract Fee (1.00) $18.45605077 (0.054) 57.250 1,056.62
9-30-99 GVP Charge 0.00 $18.45605077 0.000 57.250 1,056.62
9-30-00 Contract Fee (1.00) $19.37434296 (0.052) 57.199 1,108.19
9-30-00 GVP Charge 0.00 $19.37434296 0.000 57.199 1,108.19
9-30-00 Value before Surr Chg $19.37434296 0.000 57.199 1,108.19
9-30-00 Surrender Charge (70.00) $19.37434296 (3.613) 53.586 1,038.19
Cumulative Total Returns without/with chrgs. 11.13% A 3.82% C
Avg. Annual Total Returns without/with chrgs. 3.58% B 1.26% D
JP Morgan International Opportunities
9-30-97 Purchase $1,000.00 $13.79177418 72.507 72.507 $1,000.00
9-30-98 Contract Fee (1.00) $10.95921021 (0.091) 72.416 793.62
9-30-98 GVP Charge 0.00 $10.95921021 0.000 72.416 793.62
9-30-99 Contract Fee (1.00) $15.18098871 (0.066) 72.350 1,098.34
9-30-99 GVP Charge (21.97) $15.18098871 (1.447) 70.903 1,076.38
9-30-00 Contract Fee (1.00) $15.65899090 (0.064) 70.839 1,109.27
9-30-00 GVP Charge 0.00 $15.65899090 0.000 70.839 1,109.27
9-30-00 Value before Surr Chg $15.65899090 0.000 70.839 1,109.27
9-30-00 Surrender Charge (70.00) $15.65899090 (4.470) 66.369 1,039.27
Cumulative Total Returns without/with chrgs. 13.54% A 3.93% C
Avg. Annual Total Returns without/with chrgs. 4.32% B 1.29% D
JP Morgan US Disciplined Equity
9-30-97 Purchase $1,000.00 $19.93370458 50.166 50.166 $1,000.00
9-30-98 Contract Fee (1.00) $19.83552461 (0.050) 50.116 994.07
9-30-98 GVP Charge 0.00 $19.83552461 0.000 50.116 994.07
9-30-99 Contract Fee (1.00) $25.05421498 (0.040) 50.076 1,254.61
9-30-99 GVP Charge (25.09) $25.05421498 (1.002) 49.074 1,229.52
9-30-00 Contract Fee (1.00) $25.79552175 (0.039) 49.036 1,264.90
9-30-00 GVP Charge 0.00 $25.79552175 0.000 49.036 1,264.90
9-30-00 Value before Surr Chg $25.79552175 0.000 49.036 1,264.90
9-30-00 Surrender Charge (70.00) $25.79552175 (2.714) 46.322 1,194.90
Cumulative Total Returns without/with chrgs. 29.41% A 19.49% C
Avg. Annual Total Returns without/with chrgs. 8.97% B 6.12% D
Mutual Discovery Securities
9-30-97 Purchase $1,000.00 $12.19259355 82.017 82.017 $1,000.00
9-30-98 Contract Fee (1.00) $10.35826199 (0.097) 81.920 848.55
9-30-98 GVP Charge 0.00 $10.35826199 0.000 81.920 848.55
9-30-99 Contract Fee (1.00) $11.95210403 (0.084) 81.837 978.12
9-30-99 GVP Charge (19.56) $11.95210403 (1.637) 80.200 958.56
9-30-00 Contract Fee (1.00) $14.59604261 (0.069) 80.132 1,169.60
9-30-00 GVP Charge (23.39) $14.59604261 (1.603) 78.529 1,146.21
9-30-00 Value before Surr Chg $14.59604261 0.000 78.529 1,146.21
9-30-00 Surrender Charge (70.00) $14.59604261 (4.796) 73.733 1,076.21
Cumulative Total Returns without/with chrgs. 19.71% A 7.62% C
Avg. Annual Total Returns without/with chrgs. 6.18% B 2.48% D
<PAGE>
Mutual Shares Securities
9-30-97 Purchase $1,000.00 $11.95560978 83.643 83.643 $1,000.00
9-30-98 Contract Fee (1.00) $10.49813226 (0.095) 83.547 877.09
9-30-98 GVP Charge 0.00 $10.49813226 0.000 83.547 877.09
9-30-99 Contract Fee (1.00) $12.26487505 (0.082) 83.466 1,023.70
9-30-99 GVP Charge (20.47) $12.26487505 (1.669) 81.797 1,003.23
9-30-00 Contract Fee (1.00) $14.05053067 (0.071) 81.725 1,148.29
9-30-00 GVP Charge (22.97) $14.05053067 (1.635) 80.091 1,125.32
9-30-00 Value before Surr Chg $14.05053067 0.000 80.091 1,125.32
9-30-00 Surrender Charge (70.00) $14.05053067 (4.982) 75.109 1,055.32
Cumulative Total Returns without/with chrgs. 17.52% A 5.53% C
Avg. Annual Total Returns without/with chrgs. 5.53% B 1.81% D
Oppenheimer VA Global Securities
9-30-97 Purchase $1,000.00 $21.08920917 47.418 47.418 $1,000.00
9-30-98 Contract Fee (1.00) $19.19963032 (0.052) 47.366 909.40
9-30-98 GVP Charge 0.00 $19.19963032 0.000 47.366 909.40
9-30-99 Contract Fee (1.00) $26.38693524 (0.038) 47.328 1,248.83
9-30-99 GVP Charge (24.98) $26.38693524 (0.947) 46.381 1,223.85
9-30-00 Contract Fee (1.00) $38.76018856 (0.026) 46.355 1,796.74
9-30-00 GVP Charge (35.93) $38.76018856 (0.927) 45.428 1,760.80
9-30-00 Value before Surr Chg $38.76018856 0.000 45.428 1,760.80
9-30-00 Surrender Charge (70.00) $38.76018856 (1.806) 43.622 1,690.80
Cumulative Total Returns without/with chrgs. 83.79% A 69.08% C
Avg. Annual Total Returns without/with chrgs. 22.49% B 19.13% D
Oppenheimer VA High Income
9-30-97 Purchase $1,000.00 $35.79699916 27.935 27.935 $1,000.00
9-30-98 Contract Fee (1.00) $34.84881603 (0.029) 27.907 972.51
9-30-98 GVP Charge 0.00 $34.84881603 0.000 27.907 972.51
9-30-99 Contract Fee (1.00) $36.32193446 (0.028) 27.879 1,012.62
9-30-99 GVP Charge 0.00 $36.32193446 0.000 27.879 1,012.62
9-30-00 Contract Fee (1.00) $36.58358037 (0.027) 27.852 1,018.92
9-30-00 GVP Charge 0.00 $36.58358037 0.000 27.852 1,018.92
9-30-00 Value before Surr Chg $36.58358037 0.000 27.852 1,018.92
9-30-00 Surrender Charge (70.00) $36.58358037 (1.913) 25.938 948.92
Cumulative Total Returns without/with chrgs. 2.20% A -5.11% C
Avg. Annual Total Returns without/with chrgs. 0.73% B -1.73% D
Oppenheimer VA Main Street Growth & Income
9-30-97 Purchase $1,000.00 $20.70243478 48.303 48.303 $1,000.00
9-30-98 Contract Fee (1.00) $18.38515817 (0.054) 48.249 887.07
9-30-98 GVP Charge 0.00 $18.38515817 0.000 48.249 887.07
9-30-99 Contract Fee (1.00) $23.52761107 (0.043) 48.207 1,134.19
9-30-99 GVP Charge (22.68) $23.52761107 (0.964) 47.242 1,111.50
9-30-00 Contract Fee (1.00) $26.21753339 (0.038) 47.204 1,237.58
9-30-00 GVP Charge (24.75) $26.21753339 (0.944) 46.260 1,212.83
9-30-00 Value before Surr Chg $26.21753339 0.000 46.260 1,212.83
9-30-00 Surrender Charge (70.00) $26.21753339 (2.670) 43.590 1,142.83
Cumulative Total Returns without/with chrgs. 26.64% A 14.28% C
Avg. Annual Total Returns without/with chrgs. 8.19% B 4.55% D
<PAGE>
Seligman Henderson Global Technology
9-30-97 Purchase $1,000.00 $13.24145368 75.520 75.520 $1,000.00
9-30-98 Contract Fee (1.00) $12.30682974 (0.081) 75.439 928.42
9-30-98 GVP Charge 0.00 $12.30682974 0.000 75.439 928.42
9-30-99 Contract Fee (1.00) $22.53928578 (0.044) 75.395 1,699.34
9-30-99 GVP Charge (33.99) $22.53928578 (1.508) 73.887 1,665.36
9-30-00 Contract Fee (1.00) $33.27799978 (0.030) 73.857 2,457.81
9-30-00 GVP Charge (49.16) $33.27799978 (1.477) 72.380 2,408.65
9-30-00 Value before Surr Chg $33.27799978 0.000 72.380 2,408.65
9-30-00 Surrender Charge (70.00) $33.27799978 (2.103) 70.276 2,338.65
Cumulative Total Returns without/with chrgs. 151.32% A 133.87% C
Avg. Annual Total Returns without/with chrgs. 35.96% B 32.74% D
Templeton Developing Markets Equity
9-30-97 Purchase $1,000.00 $13.50519241 74.046 74.046 $1,000.00
9-30-98 Contract Fee (1.00) $6.62100450 (0.151) 73.895 489.26
9-30-98 GVP Charge 0.00 $6.62100450 0.000 73.895 489.26
9-30-99 Contract Fee (1.00) $9.56623933 (0.105) 73.790 705.89
9-30-99 GVP Charge (14.12) $9.56623933 (1.476) 72.314 691.78
9-30-00 Contract Fee (1.00) $8.94282243 (0.112) 72.202 645.69
9-30-00 GVP Charge 0.00 $8.94282243 0.000 72.202 645.69
9-30-00 Value before Surr Chg $8.94282243 0.000 72.202 645.69
9-30-00 Surrender Charge (70.00) $8.94282243 (7.828) 64.375 575.69
Cumulative Total Returns without/with chrgs. -33.78% A -42.43% C
Avg. Annual Total Returns without/with chrgs. -12.84% B -16.81% D
Templeton Global Growth
9-30-97 Purchase $1,000.00 $16.27410235 61.447 61.447 $1,000.00
9-30-98 Contract Fee (1.00) $14.00862139 (0.071) 61.376 859.79
9-30-98 GVP Charge 0.00 $14.00862139 0.000 61.376 859.79
9-30-99 Contract Fee (1.00) $17.35523380 (0.058) 61.318 1,064.19
9-30-99 GVP Charge (21.28) $17.35523380 (1.226) 60.092 1,042.91
9-30-00 Contract Fee (1.00) $18.33920721 (0.055) 60.037 1,101.04
9-30-00 GVP Charge 0.00 $18.33920721 0.000 60.037 1,101.04
9-30-00 Value before Surr Chg $18.33920721 0.000 60.037 1,101.04
9-30-00 Surrender Charge (70.00) $18.33920721 (3.817) 56.220 1,031.04
Cumulative Total Returns without/with chrgs. 12.69% A 3.10% C
Avg. Annual Total Returns without/with chrgs. 4.06% B 1.02% D
Templeton Pacific Growth
9-30-97 Purchase $1,000.00 $13.19421553 75.791 75.791 $1,000.00
9-30-98 Contract Fee (1.00) $6.00534680 (0.167) 75.624 454.15
9-30-98 GVP Charge 0.00 $6.00534680 0.000 75.624 454.15
9-30-99 Contract Fee (1.00) $9.86693478 (0.101) 75.523 745.18
9-30-99 GVP Charge (14.90) $9.86693478 (1.510) 74.012 730.28
9-30-00 Contract Fee (1.00) $8.53739241 (0.117) 73.895 630.87
9-30-00 GVP Charge 0.00 $8.53739241 0.000 73.895 630.87
9-30-00 Value before Surr Chg $8.53739241 0.000 73.895 630.87
9-30-00 Surrender Charge (70.00) $8.53739241 (8.199) 65.696 560.87
Cumulative Total Returns without/with chrgs. -35.29% A -43.91% C
Avg. Annual Total Returns without/with chrgs. -13.51% B -17.53% D
<PAGE>
Van Kampen LIT Enterprise
9-30-97 Purchase $1,000.00 $33.42884148 29.914 29.914 $1,000.00
9-30-98 Contract Fee (1.00) $31.54240982 (0.032) 29.883 942.57
9-30-98 GVP Charge 0.00 $31.54240982 0.000 29.883 942.57
9-30-99 Contract Fee (1.00) $39.63337873 (0.025) 29.857 1,183.35
9-30-99 GVP Charge (23.67) $39.63337873 (0.597) 29.260 1,159.68
9-30-00 Contract Fee (1.00) $45.14495752 (0.022) 29.238 1,319.95
9-30-00 GVP Charge (26.40) $45.14495752 (0.585) 28.653 1,293.55
9-30-00 Value before Surr Chg $45.14495752 0.000 28.653 1,293.55
9-30-00 Surrender Charge (70.00) $45.14495752 (1.551) 27.103 1,223.55
Cumulative Total Returns without/with chrgs. 35.05% A 22.36% C
Avg. Annual Total Returns without/with chrgs. 10.53% B 6.96% D
Van Kampen LIT Growth & Income
9-30-97 Purchase $1,000.00 $12.33383033 81.078 81.078 $1,000.00
9-30-98 Contract Fee (1.00) $12.41648679 (0.081) 80.997 1,005.70
9-30-98 GVP Charge 0.00 $12.41648679 0.000 80.997 1,005.70
9-30-99 Contract Fee (1.00) $14.52968470 (0.069) 80.928 1,175.86
9-30-99 GVP Charge (23.52) $14.52968470 (1.619) 79.310 1,152.35
9-30-00 Contract Fee (1.00) $17.05173364 (0.059) 79.251 1,351.37
9-30-00 GVP Charge (27.03) $17.05173364 (1.585) 77.666 1,324.34
9-30-00 Value before Surr Chg $17.05173364 0.000 77.666 1,324.34
9-30-00 Surrender Charge (70.00) $17.05173364 (4.105) 73.561 1,254.34
Cumulative Total Returns without/with chrgs. 38.25% A 25.43% C
Avg. Annual Total Returns without/with chrgs. 11.40% B 7.85% D
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/3 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/3 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions - Enhanced - 3% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1997
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
9-30-97 Purchase $1,000.00 $22.13592640 45.175 45.175 $1,000.00
9-30-98 Contract Fee (1.00) $19.14527897 (0.052) 45.123 863.90
<PAGE>
9-30-98 GVP Charge 0.00 $19.14527897 0.000 45.123 863.90
9-30-99 Contract Fee (1.00) $24.79130576 (0.040) 45.083 1,117.66
9-30-99 GVP Charge (33.53) $24.79130576 (1.352) 43.730 1,084.13
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 43.704 1,650.34
9-30-00 GVP Charge (49.51) $37.76177365 (1.311) 42.393 1,600.83
9-30-00 Value before Surr Chg 0.00 $37.76177365 0.000 42.393 1,600.83
9-30-00 Surrender Charge (70.00) $37.76177365 (1.854) 40.539 1,530.83
Cumulative Total Returns without/with chrgs. 70.59% A 53.08% C
Avg. Annual Total Returns without/with chrgs. 19.49% B 15.25% D
AIM VI Growth
9-30-97 Purchase $1,000.00 $20.24571588 49.393 49.393 $1,000.00
9-30-98 Contract Fee (1.00) $20.52049714 (0.049) 49.344 1,012.57
9-30-98 GVP Charge 0.00 $20.52049714 0.000 49.344 1,012.57
9-30-99 Contract Fee (1.00) $28.37275018 (0.035) 49.309 1,399.04
9-30-99 GVP Charge (41.97) $28.37275018 (1.479) 47.830 1,357.07
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 47.801 1,665.87
9-30-00 GVP Charge (49.98) $34.84992418 (1.434) 46.367 1,615.89
9-30-00 Value before Surr Chg $34.84992418 0.000 46.367 1,615.89
9-30-00 Surrender Charge (70.00) $34.84992418 (2.009) 44.359 1,545.89
Cumulative Total Returns without/with chrgs. 72.13% A 54.59% C
Avg. Annual Total Returns without/with chrgs. 19.85% B 15.63% D
AIM VI International Equity
9-30-97 Purchase $1,000.00 $17.42281755 57.396 57.396 $1,000.00
9-30-98 Contract Fee (1.00) $16.18390936 (0.062) 57.334 927.89
9-30-98 GVP Charge 0.00 $16.18390936 0.000 57.334 927.89
9-30-99 Contract Fee (1.00) $19.54615812 (0.051) 57.283 1,119.66
9-30-99 GVP Charge (33.59) $19.54615812 (1.718) 55.565 1,086.07
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 55.520 1,251.63
9-30-00 GVP Charge (37.55) $22.54366313 (1.666) 53.855 1,214.08
9-30-00 Value before Surr Chg $22.54366313 0.000 53.855 1,214.08
9-30-00 Surrender Charge (70.00) $22.54366313 (3.105) 50.750 1,144.08
Cumulative Total Returns without/with chrgs. 29.39% A 14.41% C
Avg. Annual Total Returns without/with chrgs. 8.97% B 4.59% D
AIM VI Value
9-30-97 Purchase $1,000.00 $21.53473150 46.437 46.437 $1,000.00
9-30-98 Contract Fee (1.00) $21.66099320 (0.046) 46.390 1,004.86
9-30-98 GVP Charge 0.00 $21.66099320 0.000 46.390 1,004.86
9-30-99 Contract Fee (1.00) $29.75103213 (0.034) 46.357 1,379.16
9-30-99 GVP Charge (41.37) $29.75103213 (1.391) 44.966 1,337.79
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 44.935 1,442.19
9-30-00 GVP Charge 0.00 $32.09497972 0.000 44.935 1,442.19
9-30-00 Value before Surr Chg $32.09497972 0.000 44.935 1,442.19
9-30-00 Surrender Charge (70.00) $32.09497972 (2.181) 42.754 1,372.19
Cumulative Total Returns without/with chrgs. 49.04% A 37.22% C
Avg. Annual Total Returns without/with chrgs. 14.23% B 11.12% D
Alger American Growth
9-30-97 Purchase $1,000.00 $42.98885768 23.262 23.262 $1,000.00
9-30-98 Contract Fee (1.00) $47.84384121 (0.021) 23.241 1,111.94
<PAGE>
9-30-98 GVP Charge (31.94) $47.84384121 (0.668) 22.573 1,080.00
9-30-99 Contract Fee (1.00) $64.92712461 (0.015) 22.558 1,464.63
9-30-99 GVP Charge (43.94) $64.92712461 (0.677) 21.881 1,420.69
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 21.868 1,691.44
9-30-00 GVP Charge (50.74) $77.34625720 (0.656) 21.212 1,640.69
9-30-00 Value before Surr Chg $77.34625720 0.000 21.212 1,640.69
9-30-00 Surrender Charge (70.00) $77.34625720 (0.905) 20.307 1,570.69
Cumulative Total Returns without/with chrgs. 79.92% A 57.07% C
Avg. Annual Total Returns without/with chrgs. 21.63% B 16.24% D
Alger American Leveraged AllCap
9-30-97 Purchase $1,000.00 $23.48937642 42.572 42.572 $1,000.00
9-30-98 Contract Fee (1.00) $25.97153961 (0.039) 42.534 1,104.67
9-30-98 GVP Charge (24.67) $25.97153961 (0.950) 41.584 1,080.00
9-30-99 Contract Fee (1.00) $42.67335184 (0.023) 41.561 1,773.53
9-30-99 GVP Charge (53.21) $42.67335184 (1.247) 40.314 1,720.32
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 40.296 2,274.72
9-30-00 GVP Charge (68.24) $56.45017474 (1.209) 39.087 2,206.48
9-30-00 Value before Surr Chg $56.45017474 0.000 39.087 2,206.48
9-30-00 Surrender Charge (70.00) $56.45017474 (1.240) 37.847 2,136.48
Cumulative Total Returns without/with chrgs. 140.32% A 113.65% C
Avg. Annual Total Returns without/with chrgs. 33.95% B 28.80% D
Alger American MidCap Growth
9-30-97 Purchase $1,000.00 $25.05131243 39.918 39.918 $1,000.00
9-30-98 Contract Fee (1.00) $23.35412460 (0.043) 39.875 931.25
9-30-98 GVP Charge 0.00 $23.35412460 0.000 39.875 931.25
9-30-99 Contract Fee (1.00) $30.53408293 (0.033) 39.842 1,216.55
9-30-99 GVP Charge (36.50) $30.53408293 (1.195) 38.647 1,180.06
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 38.625 1,765.53
9-30-00 GVP Charge (52.97) $45.70922909 (1.159) 37.467 1,712.57
9-30-00 Value before Surr Chg $45.70922909 0.000 37.467 1,712.57
9-30-00 Surrender Charge (70.00) $45.70922909 (1.531) 35.935 1,642.57
Cumulative Total Returns without/with chrgs. 82.46% A 64.26% C
Avg. Annual Total Returns without/with chrgs. 22.20% B 17.99% D
Alger American Small Capitalization
9-30-97 Purchase $1,000.00 $45.53761406 21.960 21.960 $1,000.00
9-30-98 Contract Fee (1.00) $38.78471958 (0.026) 21.934 850.71
9-30-98 GVP Charge 0.00 $38.78471958 0.000 21.934 850.71
9-30-99 Contract Fee (1.00) $51.86278040 (0.019) 21.915 1,136.56
9-30-99 GVP Charge (34.10) $51.86278040 (0.657) 21.257 1,102.47
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 21.241 1,284.69
9-30-00 GVP Charge (38.54) $60.48209966 (0.637) 20.604 1,246.15
9-30-00 Value before Surr Chg $60.48209966 0.000 20.604 1,246.15
9-30-00 Surrender Charge (70.00) $60.48209966 (1.157) 19.446 1,176.15
Cumulative Total Returns without/with chrgs. 32.82% A 17.61% C
Avg. Annual Total Returns without/with chrgs. 9.92% B 5.56% D
Franklin Growth & Income
9-30-97 Purchase $1,000.00 $22.54049202 44.365 44.365 $1,000.00
<PAGE>
9-30-98 Contract Fee (1.00) $22.78220039 (0.044) 44.321 1,009.72
9-30-98 GVP Charge 0.00 $22.78220039 0.000 44.321 1,009.72
9-30-99 Contract Fee (1.00) $24.32119606 (0.041) 44.280 1,076.93
9-30-99 GVP Charge 0.00 $24.32119606 0.000 44.280 1,076.93
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 44.242 1,183.42
9-30-00 GVP Charge (20.34) $26.74875738 (0.760) 43.482 1,163.09
9-30-00 Value before Surr Chg $26.74875738 0.000 43.482 1,163.09
9-30-00 Surrender Charge (70.00) $26.74875738 (2.617) 40.865 1,093.09
Cumulative Total Returns without/with chrgs. 18.67% A 9.31% C
Avg. Annual Total Returns without/with chrgs. 5.87% B 3.01% D
Franklin Rising Dividends Securities
9-30-97 Purchase $1,000.00 $19.05269829 52.486 52.486 $1,000.00
9-30-98 Contract Fee (1.00) $17.10014672 (0.058) 52.428 896.52
9-30-98 GVP Charge 0.00 $17.10014672 0.000 52.428 896.52
9-30-99 Contract Fee (1.00) $18.24701145 (0.055) 52.373 955.65
9-30-99 GVP Charge 0.00 $18.24701145 0.000 52.373 955.65
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 52.319 972.59
9-30-00 GVP Charge 0.00 $18.58958874 0.000 52.319 972.59
9-30-00 Value before Surr Chg $18.58958874 0.000 52.319 972.59
9-30-00 Surrender Charge (70.00) $18.58958874 (3.766) 48.553 902.59
Cumulative Total Returns without/with chrgs. -2.43% A -9.74% C
Avg. Annual Total Returns without/with chrgs. -0.82% B -3.36% D
Franklin Small Cap
9-30-97 Purchase $1,000.00 $16.08455161 62.171 62.171 $1,000.00
9-30-98 Contract Fee (1.00) $11.57399800 (0.086) 62.085 718.57
9-30-98 GVP Charge 0.00 $11.57399800 0.000 62.085 718.57
9-30-99 Contract Fee (1.00) $17.22107539 (0.058) 62.027 1,068.17
9-30-99 GVP Charge (32.05) $17.22107539 (1.861) 60.166 1,036.13
9-30-00 Contract Fee (1.00) $29.08564041 (0.034) 60.132 1,748.97
9-30-00 GVP Charge (52.47) $29.08564041 (1.804) 58.328 1,696.50
9-30-00 Value before Surr Chg $29.08564041 0.000 58.328 1,696.50
9-30-00 Surrender Charge (70.00) $29.08564041 (2.407) 55.921 1,626.50
Cumulative Total Returns without/with chrgs. 80.83% A 62.65% C
Avg. Annual Total Returns without/with chrgs. 21.83% B 17.60% D
Franklin U.S. Government
9-30-97 Purchase $1,000.00 $16.70726511 59.854 59.854 $1,000.00
9-30-98 Contract Fee (1.00) $17.99609926 (0.056) 59.799 1,076.14
9-30-98 GVP Charge 0.00 $17.99609926 0.000 59.799 1,076.14
9-30-99 Contract Fee (1.00) $17.51021768 (0.057) 59.742 1,046.09
9-30-99 GVP Charge 0.00 $17.51021768 0.000 59.742 1,046.09
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 59.687 1,091.66
9-30-00 GVP Charge 0.00 $18.28976296 0.000 59.687 1,091.66
9-30-00 Value before Surr Chg $18.28976296 0.000 59.687 1,091.66
9-30-00 Surrender Charge (70.00) $18.28976296 (3.827) 55.860 1,021.66
Cumulative Total Returns without/with chrgs. 9.47% A 2.17% C
Avg. Annual Total Returns without/with chrgs. 3.06% B 0.72% D
JP Morgan International Opportunities
9-30-97 Purchase $1,000.00 $13.60393003 73.508 73.508 $1,000.00
<PAGE>
9-30-98 Contract Fee (1.00) $10.75602571 (0.093) 73.415 789.66
9-30-98 GVP Charge 0.00 $10.75602571 0.000 73.415 789.66
9-30-99 Contract Fee (1.00) $14.82521335 (0.067) 73.348 1,087.40
9-30-99 GVP Charge (32.62) $14.82521335 (2.200) 71.147 1,054.77
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 71.082 1,081.56
9-30-00 GVP Charge 0.00 $15.21573694 0.000 71.082 1,081.56
9-30-00 Value before Surr Chg $15.21573694 0.000 71.082 1,081.56
9-30-00 Surrender Charge (70.00) $15.21573694 (4.601) 66.481 1,011.56
Cumulative Total Returns without/with chrgs. 11.85% A 1.16% C
Avg. Annual Total Returns without/with chrgs. 3.80% B 0.38% D
JP Morgan US Disciplined Equity
9-30-97 Purchase $1,000.00 $19.66220726 50.859 50.859 $1,000.00
9-30-98 Contract Fee (1.00) $19.46777264 (0.051) 50.808 989.11
9-30-98 GVP Charge 0.00 $19.46777264 0.000 50.808 989.11
9-30-99 Contract Fee (1.00) $24.46705477 (0.041) 50.767 1,242.11
9-30-99 GVP Charge (37.26) $24.46705477 (1.523) 49.244 1,204.85
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 49.204 1,233.31
9-30-00 GVP Charge 0.00 $25.06533629 0.000 49.204 1,233.31
9-30-00 Value before Surr Chg $25.06533629 0.000 49.204 1,233.31
9-30-00 Surrender Charge (70.00) $25.06533629 (2.793) 46.411 1,163.31
Cumulative Total Returns without/with chrgs. 27.48% A 16.33% C
Avg. Annual Total Returns without/with chrgs. 8.43% B 5.17% D
Mutual Discovery Securities
9-30-97 Purchase $1,000.00 $12.13875961 82.381 82.381 $1,000.00
9-30-98 Contract Fee (1.00) $10.26108838 (0.097) 82.283 844.32
9-30-98 GVP Charge 0.00 $10.26108838 0.000 82.283 844.32
9-30-99 Contract Fee (1.00) $11.78092040 (0.085) 82.198 968.37
9-30-99 GVP Charge (29.05) $11.78092040 (2.466) 79.732 939.32
9-30-00 Contract Fee (1.00) $14.31522915 (0.070) 79.663 1,140.39
9-30-00 GVP Charge (34.21) $14.31522915 (2.390) 77.273 1,106.18
9-30-00 Value before Surr Chg $14.31522915 0.000 77.273 1,106.18
9-30-00 Surrender Charge (70.00) $14.31522915 (4.890) 72.383 1,036.18
Cumulative Total Returns without/with chrgs. 17.93% A 3.62% C
Avg. Annual Total Returns without/with chrgs. 5.65% B 1.19% D
Mutual Shares Securities
9-30-97 Purchase $1,000.00 $11.90282220 84.014 84.014 $1,000.00
9-30-98 Contract Fee (1.00) $10.39964649 (0.096) 83.918 872.71
9-30-98 GVP Charge 0.00 $10.39964649 0.000 83.918 872.71
9-30-99 Contract Fee (1.00) $12.08921177 (0.083) 83.835 1,013.50
9-30-99 GVP Charge (30.40) $12.08921177 (2.515) 81.320 983.09
9-30-00 Contract Fee (1.00) $13.78021233 (0.073) 81.247 1,119.60
9-30-00 GVP Charge (33.59) $13.78021233 (2.437) 78.810 1,086.02
9-30-00 Value before Surr Chg $13.78021233 0.000 78.810 1,086.02
9-30-00 Surrender Charge (70.00) $13.78021233 (5.080) 73.730 1,016.02
Cumulative Total Returns without/with chrgs. 15.77% A 1.60% C
Avg. Annual Total Returns without/with chrgs. 5.00% B 0.53% D
Oppenheimer VA Global Securities
9-30-97 Purchase $1,000.00 $20.37522898 49.079 49.079 $1,000.00
<PAGE>
9-30-98 Contract Fee (1.00) $18.45709693 (0.054) 49.025 904.86
9-30-98 GVP Charge 0.00 $18.45709693 0.000 49.025 904.86
9-30-99 Contract Fee (1.00) $25.23990976 (0.040) 48.985 1,236.39
9-30-99 GVP Charge (37.09) $25.23990976 (1.470) 47.516 1,199.30
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 47.489 1,751.88
9-30-00 GVP Charge (52.56) $36.89037351 (1.425) 46.064 1,699.32
9-30-00 Value before Surr Chg $36.89037351 0.000 46.064 1,699.32
9-30-00 Surrender Charge (70.00) $36.89037351 (1.898) 44.167 1,629.32
Cumulative Total Returns without/with chrgs. 81.06% A 62.93% C
Avg. Annual Total Returns without/with chrgs. 21.88% B 17.67% D
Oppenheimer VA High Income
9-30-97 Purchase $1,000.00 $33.80881947 29.578 29.578 $1,000.00
9-30-98 Contract Fee (1.00) $32.74912758 (0.031) 29.548 967.66
9-30-98 GVP Charge 0.00 $32.74912758 0.000 29.548 967.66
9-30-99 Contract Fee (1.00) $33.96323093 (0.029) 29.518 1,002.53
9-30-99 GVP Charge 0.00 $33.96323093 0.000 29.518 1,002.53
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 29.489 1,003.72
9-30-00 GVP Charge 0.00 $34.03725742 0.000 29.489 1,003.72
9-30-00 Value before Surr Chg $34.03725742 0.000 29.489 1,003.72
9-30-00 Surrender Charge (70.00) $34.03725742 (2.057) 27.432 933.72
Cumulative Total Returns without/with chrgs. 0.68% A -6.63% C
Avg. Annual Total Returns without/with chrgs. 0.22% B -2.26% D
Oppenheimer VA Main Street Growth & Income
9-30-97 Purchase $1,000.00 $20.47172742 48.848 48.848 $1,000.00
9-30-98 Contract Fee (1.00) $18.08959144 (0.055) 48.793 882.64
9-30-98 GVP Charge 0.00 $18.08959144 0.000 48.793 882.64
9-30-99 Contract Fee (1.00) $23.03390334 (0.043) 48.749 1,122.88
9-30-99 GVP Charge (33.69) $23.03390334 (1.462) 47.287 1,089.20
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 47.248 1,206.67
9-30-00 GVP Charge (30.34) $25.53935132 (1.188) 46.060 1,176.33
9-30-00 Value before Surr Chg $25.53935132 0.000 46.060 1,176.33
9-30-00 Surrender Charge (70.00) $25.53935132 (2.741) 43.319 1,106.33
Cumulative Total Returns without/with chrgs. 24.75% A 10.63% C
Avg. Annual Total Returns without/with chrgs. 7.65% B 3.43% D
Seligman Henderson Global Technology
9-30-97 Purchase $1,000.00 $13.14817785 76.056 76.056 $1,000.00
9-30-98 Contract Fee (1.00) $12.15918368 (0.082) 75.974 923.78
9-30-98 GVP Charge 0.00 $12.15918368 0.000 75.974 923.78
9-30-99 Contract Fee (1.00) $22.15780301 (0.045) 75.929 1,682.42
9-30-99 GVP Charge (50.47) $22.15780301 (2.278) 73.651 1,631.94
9-30-00 Contract Fee (1.00) $32.55158097 (0.031) 73.620 2,396.45
9-30-00 GVP Charge (71.89) $32.55158097 (2.209) 71.412 2,324.56
9-30-00 Value before Surr Chg $32.55158097 0.000 71.412 2,324.56
9-30-00 Surrender Charge (70.00) $32.55158097 (2.150) 69.261 2,254.56
Cumulative Total Returns without/with chrgs. 147.57% A 125.46% C
Avg. Annual Total Returns without/with chrgs. 35.28% B 31.13% D
<PAGE>
Templeton Developing Markets Equity
9-30-97 Purchase $1,000.00 $13.26770432 75.371 75.371 $1,000.00
9-30-98 Contract Fee (1.00) $6.47212973 (0.155) 75.216 486.81
9-30-98 GVP Charge 0.00 $6.47212973 0.000 75.216 486.81
9-30-99 Contract Fee (1.00) $9.30449684 (0.107) 75.109 698.85
9-30-99 GVP Charge (20.97) $9.30449684 (2.253) 72.856 677.89
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 72.740 629.91
9-30-00 GVP Charge 0.00 $8.65965003 0.000 72.740 629.91
9-30-00 Value before Surr Chg $8.65965003 0.000 72.740 629.91
9-30-00 Surrender Charge (70.00) $8.65965003 (8.083) 64.657 559.91
Cumulative Total Returns without/with chrgs. -34.73% A -44.01% C
Avg. Annual Total Returns without/with chrgs. -13.26% B -17.58% D
Templeton Global Growth
9-30-97 Purchase $1,000.00 $15.98792313 62.547 62.547 $1,000.00
9-30-98 Contract Fee (1.00) $13.69363439 (0.073) 62.474 855.50
9-30-98 GVP Charge 0.00 $13.69363439 0.000 62.474 855.50
9-30-99 Contract Fee (1.00) $16.88037613 (0.059) 62.415 1,053.59
9-30-99 GVP Charge (31.61) $16.88037613 (1.872) 60.542 1,021.98
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 60.486 1,073.54
9-30-00 GVP Charge 0.00 $17.74845416 0.000 60.486 1,073.54
9-30-00 Value before Surr Chg $17.74845416 0.000 60.486 1,073.54
9-30-00 Surrender Charge (70.00) $17.74845416 (3.944) 56.542 1,003.54
Cumulative Total Returns without/with chrgs. 11.01% A 0.35% C
Avg. Annual Total Returns without/with chrgs. 3.54% B 0.12% D
Templeton Pacific Growth
9-30-97 Purchase $1,000.00 $12.82916474 77.947 77.947 $1,000.00
9-30-98 Contract Fee (1.00) $5.81006810 (0.172) 77.775 451.88
9-30-98 GVP Charge 0.00 $5.81006810 0.000 77.775 451.88
9-30-99 Contract Fee (1.00) $9.39481370 (0.106) 77.669 729.68
9-30-99 GVP Charge (21.89) $9.39481370 (2.330) 75.339 707.79
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 75.215 606.97
9-30-00 GVP Charge 0.00 $8.06975054 0.000 75.215 606.97
9-30-00 Value before Surr Chg $8.06975054 0.000 75.215 606.97
9-30-00 Surrender Charge (70.00) $8.06975054 (8.674) 66.540 536.97
Cumulative Total Returns without/with chrgs. -37.10% A -46.30% C
Avg. Annual Total Returns without/with chrgs. -14.32% B -18.72% D
Van Kampen LIT Enterprise
9-30-97 Purchase $1,000.00 $31.55933197 31.686 31.686 $1,000.00
9-30-98 Contract Fee (1.00) $29.62966216 (0.034) 31.653 937.86
9-30-98 GVP Charge 0.00 $29.62966216 0.000 31.653 937.86
9-30-99 Contract Fee (1.00) $37.04422330 (0.027) 31.626 1,171.55
9-30-99 GVP Charge (35.15) $37.04422330 (0.949) 30.677 1,136.40
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 30.653 1,286.98
9-30-00 GVP Charge (38.61) $41.98527185 (0.920) 29.733 1,248.37
9-30-00 Value before Surr Chg $41.98527185 0.000 29.733 1,248.37
9-30-00 Surrender Charge (70.00) $41.98527185 (1.667) 28.066 1,178.37
Cumulative Total Returns without/with chrgs. 33.04% A 17.84% C
Avg. Annual Total Returns without/with chrgs. 9.98% B 5.62% D
<PAGE>
Van Kampen LIT Growth & Income
9-30-97 Purchase $1,000.00 $12.28620885 81.392 81.392 $1,000.00
9-30-98 Contract Fee (1.00) $12.30676784 (0.081) 81.311 1,000.67
9-30-98 GVP Charge 0.00 $12.30676784 0.000 81.311 1,000.67
9-30-99 Contract Fee (1.00) $14.32943391 (0.070) 81.241 1,164.14
9-30-99 GVP Charge (34.92) $14.32943391 (2.437) 78.804 1,129.21
9-30-00 Contract Fee (1.00) $16.73284193 (0.060) 78.744 1,317.61
9-30-00 GVP Charge (39.53) $16.73284193 (2.362) 76.382 1,278.08
9-30-00 Value before Surr Chg $16.73284193 0.000 76.382 1,278.08
9-30-00 Surrender Charge (70.00) $16.73284193 (4.183) 72.198 1,208.08
Cumulative Total Returns without/with chrgs. 36.19% A 20.81% C
Avg. Annual Total Returns without/with chrgs. 10.85% B 6.50% D
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/3 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/3 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions - Enhanced - 5% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1997
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
9-30-97 Purchase $1,000.00 $22.13592640 45.175 45.175 $1,000.00
9-30-98 Contract Fee (1.00) $19.14527897 (0.052) 45.123 863.90
9-30-98 GVP Charge 0.00 $19.14527897 0.000 45.123 863.90
9-30-99 Contract Fee (1.00) $24.79130576 (0.040) 45.083 1,117.66
9-30-99 GVP Charge (55.88) $24.79130576 (2.254) 42.829 1,061.78
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 42.802 1,616.29
9-30-00 GVP Charge (80.81) $37.76177365 (2.140) 40.662 1,535.47
9-30-00 Value before Surr Chg 0.00 $37.76177365 0.000 40.662 1,535.47
9-30-00 Surrender Charge (70.00) $37.76177365 (1.854) 38.808 1,465.47
Cumulative Total Returns without/with chrgs. 70.59% A 46.55% C
Avg. Annual Total Returns without/with chrgs. 19.49% B 13.59% D
AIM VI Growth
9-30-97 Purchase $1,000.00 $20.24571588 49.393 49.393 $1,000.00
9-30-98 Contract Fee (1.00) $20.52049714 (0.049) 49.344 1,012.57
9-30-98 GVP Charge 0.00 $20.52049714 0.000 49.344 1,012.57
<PAGE>
9-30-99 Contract Fee (1.00) $28.37275018 (0.035) 49.309 1,399.04
9-30-99 GVP Charge (69.95) $28.37275018 (2.465) 46.844 1,329.09
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 46.815 1,631.50
9-30-00 GVP Charge (81.58) $34.84992418 (2.341) 44.474 1,549.93
9-30-00 Value before Surr Chg $34.84992418 0.000 44.474 1,549.93
9-30-00 Surrender Charge (70.00) $34.84992418 (2.009) 42.466 1,479.93
Cumulative Total Returns without/with chrgs. 72.13% A 47.99% C
Avg. Annual Total Returns without/with chrgs. 19.85% B 13.96% D
AIM VI International Equity
9-30-97 Purchase $1,000.00 $17.42281755 57.396 57.396 $1,000.00
9-30-98 Contract Fee (1.00) $16.18390936 (0.062) 57.334 927.89
9-30-98 GVP Charge 0.00 $16.18390936 0.000 57.334 927.89
9-30-99 Contract Fee (1.00) $19.54615812 (0.051) 57.283 1,119.66
9-30-99 GVP Charge (55.98) $19.54615812 (2.864) 54.419 1,063.68
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 54.375 1,225.80
9-30-00 GVP Charge (61.29) $22.54366313 (2.719) 51.656 1,164.51
9-30-00 Value before Surr Chg $22.54366313 0.000 51.656 1,164.51
9-30-00 Surrender Charge (70.00) $22.54366313 (3.105) 48.551 1,094.51
Cumulative Total Returns without/with chrgs. 29.39% A 9.45% C
Avg. Annual Total Returns without/with chrgs. 8.97% B 3.06% D
AIM VI Value
9-30-97 Purchase $1,000.00 $21.53473150 46.437 46.437 $1,000.00
9-30-98 Contract Fee (1.00) $21.66099320 (0.046) 46.390 1,004.86
9-30-98 GVP Charge 0.00 $21.66099320 0.000 46.390 1,004.86
9-30-99 Contract Fee (1.00) $29.75103213 (0.034) 46.357 1,379.16
9-30-99 GVP Charge (68.96) $29.75103213 (2.318) 44.039 1,310.21
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 44.008 1,412.43
9-30-00 GVP Charge 0.00 $32.09497972 0.000 44.008 1,412.43
9-30-00 Value before Surr Chg $32.09497972 0.000 44.008 1,412.43
9-30-00 Surrender Charge (70.00) $32.09497972 (2.181) 41.827 1,342.43
Cumulative Total Returns without/with chrgs. 49.04% A 34.24% C
Avg. Annual Total Returns without/with chrgs. 14.23% B 10.31% D
Alger American Growth
9-30-97 Purchase $1,000.00 $42.98885768 23.262 23.262 $1,000.00
9-30-98 Contract Fee (1.00) $47.84384121 (0.021) 23.241 1,111.94
9-30-98 GVP Charge (31.94) $47.84384121 (0.668) 22.573 1,080.00
9-30-99 Contract Fee (1.00) $64.92712461 (0.015) 22.558 1,464.63
9-30-99 GVP Charge (73.23) $64.92712461 (1.128) 21.430 1,391.40
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 21.417 1,656.54
9-30-00 GVP Charge (82.83) $77.34625720 (1.071) 20.346 1,573.71
9-30-00 Value before Surr Chg $77.34625720 0.000 20.346 1,573.71
9-30-00 Surrender Charge (70.00) $77.34625720 (0.905) 19.441 1,503.71
Cumulative Total Returns without/with chrgs. 79.92% A 50.37% C
Avg. Annual Total Returns without/with chrgs. 21.63% B 14.57% D
Alger American Leveraged AllCap
9-30-97 Purchase $1,000.00 $23.48937642 42.572 42.572 $1,000.00
9-30-98 Contract Fee (1.00) $25.97153961 (0.039) 42.534 1,104.67
9-30-98 GVP Charge (24.67) $25.97153961 (0.950) 41.584 1,080.00
<PAGE>
9-30-99 Contract Fee (1.00) $42.67335184 (0.023) 41.561 1,773.53
9-30-99 GVP Charge (88.68) $42.67335184 (2.078) 39.483 1,684.85
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 39.465 2,227.80
9-30-00 GVP Charge (111.39) $56.45017474 (1.973) 37.492 2,116.41
9-30-00 Value before Surr Chg $56.45017474 0.000 37.492 2,116.41
9-30-00 Surrender Charge (70.00) $56.45017474 (1.240) 36.252 2,046.41
Cumulative Total Returns without/with chrgs. 140.32% A 104.64% C
Avg. Annual Total Returns without/with chrgs. 33.95% B 26.96% D
Alger American MidCap Growth
9-30-97 Purchase $1,000.00 $25.05131243 39.918 39.918 $1,000.00
9-30-98 Contract Fee (1.00) $23.35412460 (0.043) 39.875 931.25
9-30-98 GVP Charge 0.00 $23.35412460 0.000 39.875 931.25
9-30-99 Contract Fee (1.00) $30.53408293 (0.033) 39.842 1,216.55
9-30-99 GVP Charge (60.83) $30.53408293 (1.992) 37.850 1,155.73
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 37.828 1,729.11
9-30-00 GVP Charge (86.46) $45.70922909 (1.891) 35.937 1,642.66
9-30-00 Value before Surr Chg $45.70922909 0.000 35.937 1,642.66
9-30-00 Surrender Charge (70.00) $45.70922909 (1.531) 34.406 1,572.66
Cumulative Total Returns without/with chrgs. 82.46% A 57.27% C
Avg. Annual Total Returns without/with chrgs. 22.20% B 16.29% D
Alger American Small Capitalization
9-30-97 Purchase $1,000.00 $45.53761406 21.960 21.960 $1,000.00
9-30-98 Contract Fee (1.00) $38.78471958 (0.026) 21.934 850.71
9-30-98 GVP Charge 0.00 $38.78471958 0.000 21.934 850.71
9-30-99 Contract Fee (1.00) $51.86278040 (0.019) 21.915 1,136.56
9-30-99 GVP Charge (56.83) $51.86278040 (1.096) 20.819 1,079.73
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 20.803 1,258.18
9-30-00 GVP Charge (62.91) $60.48209966 (1.040) 19.762 1,195.27
9-30-00 Value before Surr Chg $60.48209966 0.000 19.762 1,195.27
9-30-00 Surrender Charge (70.00) $60.48209966 (1.157) 18.605 1,125.27
Cumulative Total Returns without/with chrgs. 32.82% A 12.53% C
Avg. Annual Total Returns without/with chrgs. 9.92% B 4.01% D
Franklin Growth & Income
9-30-97 Purchase $1,000.00 $22.54049202 44.365 44.365 $1,000.00
9-30-98 Contract Fee (1.00) $22.78220039 (0.044) 44.321 1,009.72
9-30-98 GVP Charge 0.00 $22.78220039 0.000 44.321 1,009.72
9-30-99 Contract Fee (1.00) $24.32119606 (0.041) 44.280 1,076.93
9-30-99 GVP Charge 0.00 $24.32119606 0.000 44.280 1,076.93
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 44.242 1,183.42
9-30-00 GVP Charge (20.34) $26.74875738 (0.760) 43.482 1,163.09
9-30-00 Value before Surr Chg $26.74875738 0.000 43.482 1,163.09
9-30-00 Surrender Charge (70.00) $26.74875738 (2.617) 40.865 1,093.09
Cumulative Total Returns without/with chrgs. 18.67% A 9.31% C
Avg. Annual Total Returns without/with chrgs. 5.87% B 3.01% D
Franklin Rising Dividends Securities
9-30-97 Purchase $1,000.00 $19.05269829 52.486 52.486 $1,000.00
9-30-98 Contract Fee (1.00) $17.10014672 (0.058) 52.428 896.52
<PAGE>
9-30-98 GVP Charge 0.00 $17.10014672 0.000 52.428 896.52
9-30-99 Contract Fee (1.00) $18.24701145 (0.055) 52.373 955.65
9-30-99 GVP Charge 0.00 $18.24701145 0.000 52.373 955.65
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 52.319 972.59
9-30-00 GVP Charge 0.00 $18.58958874 0.000 52.319 972.59
9-30-00 Value before Surr Chg $18.58958874 0.000 52.319 972.59
9-30-00 Surrender Charge (70.00) $18.58958874 (3.766) 48.553 902.59
Cumulative Total Returns without/with chrgs. -2.43% A -9.74% C
Avg. Annual Total Returns without/with chrgs. -0.82% B -3.36% D
Franklin Small Cap
9-30-97 Purchase $1,000.00 $16.08455161 62.171 62.171 $1,000.00
9-30-98 Contract Fee (1.00) $11.57399800 (0.086) 62.085 718.57
9-30-98 GVP Charge 0.00 $11.57399800 0.000 62.085 718.57
9-30-99 Contract Fee (1.00) $17.22107539 (0.058) 62.027 1,068.17
9-30-99 GVP Charge (53.41) $17.22107539 (3.101) 58.926 1,014.76
9-30-00 Contract Fee (1.00) $29.08564041 (0.034) 58.891 1,712.89
9-30-00 GVP Charge (85.64) $29.08564041 (2.945) 55.947 1,627.25
9-30-00 Value before Surr Chg $29.08564041 0.000 55.947 1,627.25
9-30-00 Surrender Charge (70.00) $29.08564041 (2.407) 53.540 1,557.25
Cumulative Total Returns without/with chrgs. 80.83% A 55.72% C
Avg. Annual Total Returns without/with chrgs. 21.83% B 15.91% D
Franklin U.S. Government
9-30-97 Purchase $1,000.00 $16.70726511 59.854 59.854 $1,000.00
9-30-98 Contract Fee (1.00) $17.99609926 (0.056) 59.799 1,076.14
9-30-98 GVP Charge 0.00 $17.99609926 0.000 59.799 1,076.14
9-30-99 Contract Fee (1.00) $17.51021768 (0.057) 59.742 1,046.09
9-30-99 GVP Charge 0.00 $17.51021768 0.000 59.742 1,046.09
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 59.687 1,091.66
9-30-00 GVP Charge 0.00 $18.28976296 0.000 59.687 1,091.66
9-30-00 Value before Surr Chg $18.28976296 0.000 59.687 1,091.66
9-30-00 Surrender Charge (70.00) $18.28976296 (3.827) 55.860 1,021.66
Cumulative Total Returns without/with chrgs. 9.47% A 2.17% C
Avg. Annual Total Returns without/with chrgs. 3.06% B 0.72% D
JP Morgan International Opportunities
9-30-97 Purchase $1,000.00 $13.60393003 73.508 73.508 $1,000.00
9-30-98 Contract Fee (1.00) $10.75602571 (0.093) 73.415 789.66
9-30-98 GVP Charge 0.00 $10.75602571 0.000 73.415 789.66
9-30-99 Contract Fee (1.00) $14.82521335 (0.067) 73.348 1,087.40
9-30-99 GVP Charge (54.37) $14.82521335 (3.667) 69.680 1,033.03
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 69.615 1,059.24
9-30-00 GVP Charge 0.00 $15.21573694 0.000 69.615 1,059.24
9-30-00 Value before Surr Chg $15.21573694 0.000 69.615 1,059.24
9-30-00 Surrender Charge (70.00) $15.21573694 (4.601) 65.014 989.24
Cumulative Total Returns without/with chrgs. 11.85% A -1.08% C
Avg. Annual Total Returns without/with chrgs. 3.80% B -0.36% D
JP Morgan US Disciplined Equity
9-30-97 Purchase $1,000.00 $19.66220726 50.859 50.859 $1,000.00
9-30-98 Contract Fee (1.00) $19.46777264 (0.051) 50.808 989.11
<PAGE>
9-30-98 GVP Charge 0.00 $19.46777264 0.000 50.808 989.11
9-30-99 Contract Fee (1.00) $24.46705477 (0.041) 50.767 1,242.11
9-30-99 GVP Charge (62.11) $24.46705477 (2.538) 48.228 1,180.01
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 48.189 1,207.86
9-30-00 GVP Charge 0.00 $25.06533629 0.000 48.189 1,207.86
9-30-00 Value before Surr Chg $25.06533629 0.000 48.189 1,207.86
9-30-00 Surrender Charge (70.00) $25.06533629 (2.793) 45.396 1,137.86
Cumulative Total Returns without/with chrgs. 27.48% A 13.79% C
Avg. Annual Total Returns without/with chrgs. 8.43% B 4.40% D
Mutual Discovery Securities
9-30-97 Purchase $1,000.00 $12.13875961 82.381 82.381 $1,000.00
9-30-98 Contract Fee (1.00) $10.26108838 (0.097) 82.283 844.32
9-30-98 GVP Charge 0.00 $10.26108838 0.000 82.283 844.32
9-30-99 Contract Fee (1.00) $11.78092040 (0.085) 82.198 968.37
9-30-99 GVP Charge (48.42) $11.78092040 (4.110) 78.088 919.95
9-30-00 Contract Fee (1.00) $14.31522915 (0.070) 78.019 1,116.85
9-30-00 GVP Charge (55.84) $14.31522915 (3.901) 74.118 1,061.01
9-30-00 Value before Surr Chg $14.31522915 0.000 74.118 1,061.01
9-30-00 Surrender Charge (70.00) $14.31522915 (4.890) 69.228 991.01
Cumulative Total Returns without/with chrgs. 17.93% A -0.90% C
Avg. Annual Total Returns without/with chrgs. 5.65% B -0.30% D
Mutual Shares Securities
9-30-97 Purchase $1,000.00 $11.90282220 84.014 84.014 $1,000.00
9-30-98 Contract Fee (1.00) $10.39964649 (0.096) 83.918 872.71
9-30-98 GVP Charge 0.00 $10.39964649 0.000 83.918 872.71
9-30-99 Contract Fee (1.00) $12.08921177 (0.083) 83.835 1,013.50
9-30-99 GVP Charge (50.67) $12.08921177 (4.192) 79.643 962.82
9-30-00 Contract Fee (1.00) $13.78021233 (0.073) 79.571 1,096.50
9-30-00 GVP Charge (54.82) $13.78021233 (3.979) 75.592 1,041.67
9-30-00 Value before Surr Chg $13.78021233 0.000 75.592 1,041.67
9-30-00 Surrender Charge (70.00) $13.78021233 (5.080) 70.512 971.67
Cumulative Total Returns without/with chrgs. 15.77% A -2.83% C
Avg. Annual Total Returns without/with chrgs. 5.00% B -0.95% D
Oppenheimer VA Global Securities
9-30-97 Purchase $1,000.00 $20.37522898 49.079 49.079 $1,000.00
9-30-98 Contract Fee (1.00) $18.45709693 (0.054) 49.025 904.86
9-30-98 GVP Charge 0.00 $18.45709693 0.000 49.025 904.86
9-30-99 Contract Fee (1.00) $25.23990976 (0.040) 48.985 1,236.39
9-30-99 GVP Charge (61.82) $25.23990976 (2.449) 46.536 1,174.57
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 46.509 1,715.74
9-30-00 GVP Charge (85.79) $36.89037351 (2.325) 44.184 1,629.95
9-30-00 Value before Surr Chg $36.89037351 0.000 44.184 1,629.95
9-30-00 Surrender Charge (70.00) $36.89037351 (1.898) 42.286 1,559.95
Cumulative Total Returns without/with chrgs. 81.06% A 55.99% C
Avg. Annual Total Returns without/with chrgs. 21.88% B 15.98% D
Oppenheimer VA High Income
9-30-97 Purchase $1,000.00 $33.80881947 29.578 29.578 $1,000.00
9-30-98 Contract Fee (1.00) $32.74912758 (0.031) 29.548 967.66
<PAGE>
9-30-98 GVP Charge 0.00 $32.74912758 0.000 29.548 967.66
9-30-99 Contract Fee (1.00) $33.96323093 (0.029) 29.518 1,002.53
9-30-99 GVP Charge 0.00 $33.96323093 0.000 29.518 1,002.53
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 29.489 1,003.72
9-30-00 GVP Charge 0.00 $34.03725742 0.000 29.489 1,003.72
9-30-00 Value before Surr Chg $34.03725742 0.000 29.489 1,003.72
9-30-00 Surrender Charge (70.00) $34.03725742 (2.057) 27.432 933.72
Cumulative Total Returns without/with chrgs. 0.68% A -6.63% C
Avg. Annual Total Returns without/with chrgs. 0.22% B -2.26% D
Oppenheimer VA Main Street Growth & Income
9-30-97 Purchase $1,000.00 $20.47172742 48.848 48.848 $1,000.00
9-30-98 Contract Fee (1.00) $18.08959144 (0.055) 48.793 882.64
9-30-98 GVP Charge 0.00 $18.08959144 0.000 48.793 882.64
9-30-99 Contract Fee (1.00) $23.03390334 (0.043) 48.749 1,122.88
9-30-99 GVP Charge (56.14) $23.03390334 (2.437) 46.312 1,066.74
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 46.273 1,181.77
9-30-00 GVP Charge (29.69) $25.53935132 (1.163) 45.110 1,152.08
9-30-00 Value before Surr Chg $25.53935132 0.000 45.110 1,152.08
9-30-00 Surrender Charge (70.00) $25.53935132 (2.741) 42.369 1,082.08
Cumulative Total Returns without/with chrgs. 24.75% A 8.21% C
Avg. Annual Total Returns without/with chrgs. 7.65% B 2.66% D
Seligman Henderson Global Technology
9-30-97 Purchase $1,000.00 $13.14817785 76.056 76.056 $1,000.00
9-30-98 Contract Fee (1.00) $12.15918368 (0.082) 75.974 923.78
9-30-98 GVP Charge 0.00 $12.15918368 0.000 75.974 923.78
9-30-99 Contract Fee (1.00) $22.15780301 (0.045) 75.929 1,682.42
9-30-99 GVP Charge (84.12) $22.15780301 (3.796) 72.132 1,598.29
9-30-00 Contract Fee (1.00) $32.55158097 (0.031) 72.102 2,347.02
9-30-00 GVP Charge (117.35) $32.55158097 (3.605) 68.497 2,229.67
9-30-00 Value before Surr Chg $32.55158097 0.000 68.497 2,229.67
9-30-00 Surrender Charge (70.00) $32.55158097 (2.150) 66.346 2,159.67
Cumulative Total Returns without/with chrgs. 147.57% A 115.97% C
Avg. Annual Total Returns without/with chrgs. 35.28% B 29.26% D
Templeton Developing Markets Equity
9-30-97 Purchase $1,000.00 $13.26770432 75.371 75.371 $1,000.00
9-30-98 Contract Fee (1.00) $6.47212973 (0.155) 75.216 486.81
9-30-98 GVP Charge 0.00 $6.47212973 0.000 75.216 486.81
9-30-99 Contract Fee (1.00) $9.30449684 (0.107) 75.109 698.85
9-30-99 GVP Charge (34.94) $9.30449684 (3.755) 71.354 663.91
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 71.238 616.90
9-30-00 GVP Charge 0.00 $8.65965003 0.000 71.238 616.90
9-30-00 Value before Surr Chg $8.65965003 0.000 71.238 616.90
9-30-00 Surrender Charge (70.00) $8.65965003 (8.083) 63.155 546.90
Cumulative Total Returns without/with chrgs. -34.73% A -45.31% C
Avg. Annual Total Returns without/with chrgs. -13.26% B -18.22% D
Templeton Global Growth
9-30-97 Purchase $1,000.00 $15.98792313 62.547 62.547 $1,000.00
<PAGE>
9-30-98 Contract Fee (1.00) $13.69363439 (0.073) 62.474 855.50
9-30-98 GVP Charge 0.00 $13.69363439 0.000 62.474 855.50
9-30-99 Contract Fee (1.00) $16.88037613 (0.059) 62.415 1,053.59
9-30-99 GVP Charge (52.68) $16.88037613 (3.121) 59.294 1,000.91
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 59.238 1,051.38
9-30-00 GVP Charge 0.00 $17.74845416 0.000 59.238 1,051.38
9-30-00 Value before Surr Chg $17.74845416 0.000 59.238 1,051.38
9-30-00 Surrender Charge (70.00) $17.74845416 (3.944) 55.294 981.38
Cumulative Total Returns without/with chrgs. 11.01% A -1.86% C
Avg. Annual Total Returns without/with chrgs. 3.54% B -0.62% D
Templeton Pacific Growth
9-30-97 Purchase $1,000.00 $12.82916474 77.947 77.947 $1,000.00
9-30-98 Contract Fee (1.00) $5.81006810 (0.172) 77.775 451.88
9-30-98 GVP Charge 0.00 $5.81006810 0.000 77.775 451.88
9-30-99 Contract Fee (1.00) $9.39481370 (0.106) 77.669 729.68
9-30-99 GVP Charge (36.48) $9.39481370 (3.883) 73.785 693.20
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 73.661 594.43
9-30-00 GVP Charge 0.00 $8.06975054 0.000 73.661 594.43
9-30-00 Value before Surr Chg $8.06975054 0.000 73.661 594.43
9-30-00 Surrender Charge (70.00) $8.06975054 (8.674) 64.987 524.43
Cumulative Total Returns without/with chrgs. -37.10% A -47.56% C
Avg. Annual Total Returns without/with chrgs. -14.32% B -19.36% D
Van Kampen LIT Enterprise
9-30-97 Purchase $1,000.00 $31.55933197 31.686 31.686 $1,000.00
9-30-98 Contract Fee (1.00) $29.62966216 (0.034) 31.653 937.86
9-30-98 GVP Charge 0.00 $29.62966216 0.000 31.653 937.86
9-30-99 Contract Fee (1.00) $37.04422330 (0.027) 31.626 1,171.55
9-30-99 GVP Charge (58.58) $37.04422330 (1.581) 30.044 1,112.97
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 30.021 1,260.42
9-30-00 GVP Charge (58.41) $41.98527185 (1.391) 28.629 1,202.01
9-30-00 Value before Surr Chg $41.98527185 0.000 28.629 1,202.01
9-30-00 Surrender Charge (70.00) $41.98527185 (1.667) 26.962 1,132.01
Cumulative Total Returns without/with chrgs. 33.04% A 13.20% C
Avg. Annual Total Returns without/with chrgs. 9.98% B 4.22% D
Van Kampen LIT Growth & Income
9-30-97 Purchase $1,000.00 $12.28620885 81.392 81.392 $1,000.00
9-30-98 Contract Fee (1.00) $12.30676784 (0.081) 81.311 1,000.67
9-30-98 GVP Charge 0.00 $12.30676784 0.000 81.311 1,000.67
9-30-99 Contract Fee (1.00) $14.32943391 (0.070) 81.241 1,164.14
9-30-99 GVP Charge (58.21) $14.32943391 (4.062) 77.179 1,105.93
9-30-00 Contract Fee (1.00) $16.73284193 (0.060) 77.119 1,290.42
9-30-00 GVP Charge (64.52) $16.73284193 (3.856) 73.263 1,225.90
9-30-00 Value before Surr Chg $16.73284193 0.000 73.263 1,225.90
9-30-00 Surrender Charge (70.00) $16.73284193 (4.183) 69.080 1,155.90
Cumulative Total Returns without/with chrgs. 36.19% A 15.59% C
Avg. Annual Total Returns without/with chrgs. 10.85% B 4.95% D
<FN>
<PAGE>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/3 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/3 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Traditional
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1995
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
9-30-95 Purchase $1,000.00 $16.64608426 60.074 60.074 $1,000.00
9-30-96 Contract Fee (1.00) $18.37446113 (0.054) 60.020 $1,102.83
9-30-96 GVP Charge (17.83) $18.37446113 (0.970) 59.049 $1,085.00
9-30-97 Contract Fee (1.00) $22.62929014 (0.044) 59.005 $1,335.24
9-30-97 GVP Charge (26.70) $22.62929014 (1.180) 57.825 $1,308.54
9-30-98 Contract Fee (1.00) $19.67010169 (0.051) 57.774 $1,136.42
9-30-98 GVP Charge 0.00 $19.67010169 0.000 57.774 $1,136.42
9-30-99 Contract Fee (1.00) $25.59858665 (0.039) 57.735 $1,477.94
9-30-99 GVP Charge (29.56) $25.59858665 (1.155) 56.580 $1,448.38
9-30-00 Contract Fee (1.00) $39.18687629 (0.026) 56.555 $2,216.21
9-30-00 GVP Charge (44.32) $39.18687629 (1.131) 55.424 $2,171.89
9-30-00 Value before Surr Chg $39.18687629 0.000 55.424 $2,171.89
9-30-00 Surrender Charge (50.00) $39.18687629 (1.276) 54.148 $2,121.89
Cumulative Total Returns without/with chrgs. 135.41% A 112.19% C
Avg. Annual Total Returns without/with chrgs. 18.68% B 16.24% D
AIM VI Growth
9-30-95 Purchase $1,000.00 $14.23590612 70.245 70.245 $1,000.00
9-30-96 Contract Fee (1.00) $15.67337512 (0.064) 70.181 $1,099.97
9-30-96 GVP Charge (14.97) $15.67337512 (0.955) 69.226 $1,085.00
9-30-97 Contract Fee (1.00) $20.69695076 (0.048) 69.177 $1,431.76
9-30-97 GVP Charge (28.64) $20.69695076 (1.384) 67.794 $1,403.13
9-30-98 Contract Fee (1.00) $21.08301822 (0.047) 67.746 $1,428.30
9-30-98 GVP Charge 0.00 $21.08301822 0.000 67.746 $1,428.30
9-30-99 Contract Fee (1.00) $29.29665388 (0.034) 67.712 $1,983.74
9-30-99 GVP Charge (39.67) $29.29665388 (1.354) 66.358 $1,944.07
9-30-00 Contract Fee (1.00) $36.16513568 (0.028) 66.330 $2,398.85
9-30-00 GVP Charge (47.98) $36.16513568 (1.327) 65.004 $2,350.87
9-30-00 Value before Surr Chg $36.16513568 0.000 65.004 $2,350.87
9-30-00 Surrender Charge (50.00) $36.16513568 (1.383) 63.621 $2,300.87
Cumulative Total Returns without/with chrgs. 154.04% A 130.09% C
<PAGE>
Avg. Annual Total Returns without/with chrgs. 20.50% B 18.13% D
AIM VI International Equity
9-30-95 Purchase $1,000.00 $12.86000933 77.760 77.760 $1,000.00
9-30-96 Contract Fee (1.00) $14.75317703 (0.068) 77.693 $1,146.21
9-30-96 GVP Charge (22.92) $14.75317703 (1.554) 76.139 $1,123.29
9-30-97 Contract Fee (1.00) $17.81113590 (0.056) 76.083 $1,355.12
9-30-97 GVP Charge (27.10) $17.81113590 (1.522) 74.561 $1,328.02
9-30-98 Contract Fee (1.00) $16.62755311 (0.060) 74.501 $1,238.77
9-30-98 GVP Charge 0.00 $16.62755311 0.000 74.501 $1,238.77
9-30-99 Contract Fee (1.00) $20.18264093 (0.050) 74.451 $1,502.62
9-30-99 GVP Charge (30.05) $20.18264093 (1.489) 72.962 $1,472.57
9-30-00 Contract Fee (1.00) $23.39444504 (0.043) 72.920 $1,705.91
9-30-00 GVP Charge (34.12) $23.39444504 (1.458) 71.461 $1,671.79
9-30-00 Value before Surr Chg $23.39444504 0.000 71.461 $1,671.79
9-30-00 Surrender Charge (50.00) $23.39444504 (2.137) 69.324 $1,621.79
Cumulative Total Returns without/with chrgs. 81.92% A 62.18% C
Avg. Annual Total Returns without/with chrgs. 12.71% B 10.15% D
AIM VI Value
9-30-95 Purchase $1,000.00 $15.93485719 62.756 62.756 $1,000.00
9-30-96 Contract Fee (1.00) $16.57340065 (0.060) 62.695 $1,039.07
9-30-96 GVP Charge 0.00 $16.57340065 0.000 62.695 $1,039.07
9-30-97 Contract Fee (1.00) $22.01469586 (0.045) 62.650 $1,379.22
9-30-97 GVP Charge (27.58) $22.01469586 (1.253) 61.397 $1,351.63
9-30-98 Contract Fee (1.00) $22.25477830 (0.045) 61.352 $1,365.37
9-30-98 GVP Charge 0.00 $22.25477830 0.000 61.352 $1,365.37
9-30-99 Contract Fee (1.00) $30.71981691 (0.033) 61.319 $1,883.72
9-30-99 GVP Charge (37.67) $30.71981691 (1.226) 60.093 $1,846.04
9-30-00 Contract Fee (1.00) $33.30622156 (0.030) 60.063 $2,000.47
9-30-00 GVP Charge 0.00 $33.30622156 0.000 60.063 $2,000.47
9-30-00 Value before Surr Chg $33.30622156 0.000 60.063 $2,000.47
9-30-00 Surrender Charge (50.00) $33.30622156 (1.501) 58.562 $1,950.47
Cumulative Total Returns without/with chrgs. 109.01% A 95.05% C
Avg. Annual Total Returns without/with chrgs. 15.89% B 14.30% D
Alger American Growth
9-30-95 Purchase $1,000.00 $32.93332544 30.364 30.364 $1,000.00
9-30-96 Contract Fee (1.00) $33.80389789 (0.030) 30.335 1,025.43
9-30-96 GVP Charge 0.00 $33.80389789 0.000 30.335 1,025.43
9-30-97 Contract Fee (1.00) $44.90678511 (0.022) 30.313 1,361.24
9-30-97 GVP Charge (27.22) $44.90678511 (0.606) 29.706 1,334.01
9-30-98 Contract Fee (1.00) $50.22891278 (0.020) 29.686 1,491.11
9-30-98 GVP Charge (29.82) $50.22891278 (0.594) 29.093 1,461.29
9-30-99 Contract Fee (1.00) $68.50552315 (0.015) 29.078 1,992.01
9-30-99 GVP Charge (39.84) $68.50552315 (0.582) 28.496 1,952.17
9-30-00 Contract Fee (1.00) $82.01823051 (0.012) 28.484 2,336.23
9-30-00 GVP Charge (46.72) $82.01823051 (0.570) 27.915 2,289.51
9-30-00 Value before Surr Chg $82.01823051 0.000 27.915 2,289.51
9-30-00 Surrender Charge (50.00) $82.01823051 (0.610) 27.305 2,239.51
Cumulative Total Returns without/with chrgs. 149.04% A 123.95% C
Avg. Annual Total Returns without/with chrgs. 20.02% B 17.50% D
<PAGE>
Alger American Leveraged AllCap
9-30-95 Purchase $1,000.00 $17.58062854 56.881 56.881 $1,000.00
9-30-96 Contract Fee (1.00) $19.03210533 (0.053) 56.828 1,081.56
9-30-96 GVP Charge 0.00 $19.03210533 0.000 56.828 1,081.56
9-30-97 Contract Fee (1.00) $23.80654332 (0.042) 56.786 1,351.88
9-30-97 GVP Charge (27.04) $23.80654332 (1.136) 55.651 1,324.85
9-30-98 Contract Fee (1.00) $26.45417527 (0.038) 55.613 1,471.19
9-30-98 GVP Charge (29.42) $26.45417527 (1.112) 54.500 1,441.76
9-30-99 Contract Fee (1.00) $43.68425839 (0.023) 54.478 2,379.81
9-30-99 GVP Charge (47.60) $43.68425839 (1.090) 53.388 2,332.22
9-30-00 Contract Fee (1.00) $58.07713401 (0.017) 53.371 3,099.62
9-30-00 GVP Charge (61.99) $58.07713401 (1.067) 52.303 3,037.63
9-30-00 Value before Surr Chg $58.07713401 0.000 52.303 3,037.63
9-30-00 Surrender Charge (50.00) $58.07713401 (0.861) 51.442 2,987.63
Cumulative Total Returns without/with chrgs. 230.35% A 198.76% C
Avg. Annual Total Returns without/with chrgs. 27.00% B 24.47% D
Alger American MidCap Growth
9-30-95 Purchase $1,000.00 $20.08836058 49.780 49.780 $1,000.00
9-30-96 Contract Fee (1.00) $20.62277743 (0.048) 49.732 1,025.60
9-30-96 GVP Charge 0.00 $20.62277743 0.000 49.732 1,025.60
9-30-97 Contract Fee (1.00) $25.61035574 (0.039) 49.693 1,272.64
9-30-97 GVP Charge (25.45) $25.61035574 (0.994) 48.699 1,247.19
9-30-98 Contract Fee (1.00) $23.99498032 (0.042) 48.657 1,167.52
9-30-98 GVP Charge 0.00 $23.99498032 0.000 48.657 1,167.52
9-30-99 Contract Fee (1.00) $31.52923009 (0.032) 48.625 1,533.12
9-30-99 GVP Charge (30.66) $31.52923009 (0.973) 47.653 1,502.46
9-30-00 Contract Fee (1.00) $47.43556273 (0.021) 47.632 2,259.44
9-30-00 GVP Charge (45.19) $47.43556273 (0.953) 46.679 2,214.25
9-30-00 Value before Surr Chg $47.43556273 0.000 46.679 2,214.25
9-30-00 Surrender Charge (50.00) $47.43556273 (1.054) 45.625 2,164.25
Cumulative Total Returns without/with chrgs. 136.13% A 116.42% C
Avg. Annual Total Returns without/with chrgs. 18.75% B 16.70% D
Alger American Small Capitalization
9-30-95 Purchase $1,000.00 $43.10874488 23.197 23.197 $1,000.00
9-30-96 Contract Fee (1.00) $42.23941303 (0.024) 23.173 978.83
9-30-96 GVP Charge 0.00 $42.23941303 0.000 23.173 978.83
9-30-97 Contract Fee (1.00) $47.64034102 (0.021) 23.152 1,102.99
9-30-97 GVP Charge (22.06) $47.64034102 (0.463) 22.689 1,080.93
9-30-98 Contract Fee (1.00) $40.77903298 (0.025) 22.665 924.25
9-30-98 GVP Charge 0.00 $40.77903298 0.000 22.665 924.25
9-30-99 Contract Fee (1.00) $54.80292550 (0.018) 22.647 1,241.10
9-30-99 GVP Charge (24.82) $54.80292550 (0.453) 22.194 1,216.28
9-30-00 Contract Fee (1.00) $64.23126592 (0.016) 22.178 1,424.53
9-30-00 GVP Charge (28.49) $64.23126592 (0.444) 21.735 1,396.04
9-30-00 Value before Surr Chg $64.23126592 0.000 21.735 1,396.04
9-30-00 Surrender Charge (50.00) $64.23126592 (0.778) 20.956 1,346.04
Cumulative Total Returns without/with chrgs. 49.00% A 34.60% C
Avg. Annual Total Returns without/with chrgs. 8.30% B 6.12% D
<PAGE>
Franklin Growth & Income
9-30-95 Purchase $1,000.00 $16.05922753 62.269 62.269 $1,000.00
9-30-96 Contract Fee (1.00) $17.98508554 (0.056) 62.214 1,118.92
9-30-96 GVP Charge (22.38) $17.98508554 (1.244) 60.970 1,096.54
9-30-97 Contract Fee (1.00) $23.52162195 (0.043) 60.927 1,433.10
9-30-97 GVP Charge (28.66) $23.52162195 (1.219) 59.709 1,404.44
9-30-98 Contract Fee (1.00) $23.89302947 (0.042) 59.667 1,425.62
9-30-98 GVP Charge 0.00 $23.89302947 0.000 59.667 1,425.62
9-30-99 Contract Fee (1.00) $25.63493141 (0.039) 59.628 1,528.55
9-30-99 GVP Charge 0.00 $25.63493141 0.000 59.628 1,528.55
9-30-00 Contract Fee (1.00) $28.33495439 (0.035) 59.592 1,688.55
9-30-00 GVP Charge (30.07) $28.33495439 (1.061) 58.531 1,658.48
9-30-00 Value before Surr Chg $28.33495439 0.000 58.531 1,658.48
9-30-00 Surrender Charge (50.00) $28.33495439 (1.765) 56.767 1,608.48
Cumulative Total Returns without/with chrgs. 76.44% A 60.85% C
Avg. Annual Total Returns without/with chrgs. 12.03% B 9.97% D
Franklin Rising Dividends Securities
9-30-95 Purchase $1,000.00 $11.75658442 85.059 85.059 $1,000.00
9-30-96 Contract Fee (1.00) $13.74786690 (0.073) 84.986 1,168.38
9-30-96 GVP Charge (23.37) $13.74786690 (1.700) 83.286 1,145.01
9-30-97 Contract Fee (1.00) $19.59483823 (0.051) 83.235 1,630.98
9-30-97 GVP Charge (32.62) $19.59483823 (1.665) 81.571 1,598.36
9-30-98 Contract Fee (1.00) $17.67488946 (0.057) 81.514 1,440.75
9-30-98 GVP Charge 0.00 $17.67488946 0.000 81.514 1,440.75
9-30-99 Contract Fee (1.00) $18.95484747 (0.053) 81.461 1,544.08
9-30-99 GVP Charge 0.00 $18.95484747 0.000 81.461 1,544.08
9-30-00 Contract Fee (1.00) $19.40751840 (0.052) 81.410 1,579.96
9-30-00 GVP Charge 0.00 $19.40751840 0.000 81.410 1,579.96
9-30-00 Value before Surr Chg $19.40751840 0.000 81.410 1,579.96
9-30-00 Surrender Charge (50.00) $19.40751840 (2.576) 78.833 1,529.96
Cumulative Total Returns without/with chrgs. 65.08% A 53.00% C
Avg. Annual Total Returns without/with chrgs. 10.54% B 8.88% D
Franklin U.S. Government
9-30-95 Purchase $1,000.00 $15.61014100 64.061 64.061 $1,000.00
9-30-96 Contract Fee (1.00) $16.09137685 (0.062) 63.999 1,029.83
9-30-96 GVP Charge 0.00 $16.09137685 0.000 63.999 1,029.83
9-30-97 Contract Fee (1.00) $17.43448960 (0.057) 63.941 1,114.79
9-30-97 GVP Charge 0.00 $17.43448960 0.000 63.941 1,114.79
9-30-98 Contract Fee (1.00) $18.87356457 (0.053) 63.888 1,205.80
9-30-98 GVP Charge 0.00 $18.87356457 0.000 63.888 1,205.80
9-30-99 Contract Fee (1.00) $18.45605077 (0.054) 63.834 1,178.13
9-30-99 GVP Charge 0.00 $18.45605077 0.000 63.834 1,178.13
9-30-00 Contract Fee (1.00) $19.37434296 (0.052) 63.783 1,235.75
9-30-00 GVP Charge 0.00 $19.37434296 0.000 63.783 1,235.75
9-30-00 Value before Surr Chg $19.37434296 0.000 63.783 1,235.75
9-30-00 Surrender Charge (50.00) $19.37434296 (2.581) 61.202 1,185.75
Cumulative Total Returns without/with chrgs. 24.11% A 18.57% C
Avg. Annual Total Returns without/with chrgs. 4.42% B 3.47% D
<PAGE>
JP Morgan International Opportunities
9-30-95 Purchase $1,000.00 $10.63181072 94.057 94.057 $1,000.00
9-30-96 Contract Fee (1.00) $11.73611174 (0.085) 93.972 1,102.87
9-30-96 GVP Charge (17.87) $11.73611174 (1.522) 92.450 1,085.00
9-30-97 Contract Fee (1.00) $13.79177418 (0.073) 92.377 1,274.05
9-30-97 GVP Charge (25.48) $13.79177418 (1.848) 90.530 1,248.56
9-30-98 Contract Fee (1.00) $10.95921021 (0.091) 90.438 991.13
9-30-98 GVP Charge 0.00 $10.95921021 0.000 90.438 991.13
9-30-99 Contract Fee (1.00) $15.18098871 (0.066) 90.373 1,371.94
9-30-99 GVP Charge (27.44) $15.18098871 (1.807) 88.565 1,344.51
9-30-00 Contract Fee (1.00) $15.65899090 (0.064) 88.501 1,385.84
9-30-00 GVP Charge 0.00 $15.65899090 0.000 88.501 1,385.84
9-30-00 Value before Surr Chg $15.65899090 0.000 88.501 1,385.84
9-30-00 Surrender Charge (50.00) $15.65899090 (3.193) 85.308 1,335.84
Cumulative Total Returns without/with chrgs. 47.28% A 33.58% C
Avg. Annual Total Returns without/with chrgs. 8.05% B 5.96% D
JP Morgan US Disciplined Equity
9-30-95 Purchase $1,000.00 $12.63949192 79.117 79.117 $1,000.00
9-30-96 Contract Fee (1.00) $14.62457179 (0.068) 79.049 1,156.05
9-30-96 GVP Charge (23.12) $14.62457179 (1.581) 77.468 1,132.93
9-30-97 Contract Fee (1.00) $19.93370458 (0.050) 77.418 1,543.22
9-30-97 GVP Charge (30.86) $19.93370458 (1.548) 75.869 1,512.35
9-30-98 Contract Fee (1.00) $19.83552461 (0.050) 75.819 1,503.91
9-30-98 GVP Charge 0.00 $19.83552461 0.000 75.819 1,503.91
9-30-99 Contract Fee (1.00) $25.05421498 (0.040) 75.779 1,898.58
9-30-99 GVP Charge (37.97) $25.05421498 (1.516) 74.263 1,860.61
9-30-00 Contract Fee (1.00) $25.79552175 (0.039) 74.225 1,914.66
9-30-00 GVP Charge 0.00 $25.79552175 0.000 74.225 1,914.66
9-30-00 Value before Surr Chg $25.79552175 0.000 74.225 1,914.66
9-30-00 Surrender Charge (50.00) $25.79552175 (1.938) 72.286 1,864.66
Cumulative Total Returns without/with chrgs. 104.09% A 86.47% C
Avg. Annual Total Returns without/with chrgs. 15.34% B 13.27% D
Oppenheimer VA Global Securities
9-30-95 Purchase $1,000.00 $15.28088649 65.441 65.441 $1,000.00
9-30-96 Contract Fee (1.00) $16.19215796 (0.062) 65.379 1,058.63
9-30-96 GVP Charge 0.00 $16.19215796 0.000 65.379 1,058.63
9-30-97 Contract Fee (1.00) $21.08920917 (0.047) 65.332 1,377.80
9-30-97 GVP Charge (27.56) $21.08920917 (1.307) 64.025 1,350.25
9-30-98 Contract Fee (1.00) $19.19963032 (0.052) 63.973 1,228.26
9-30-98 GVP Charge 0.00 $19.19963032 0.000 63.973 1,228.26
9-30-99 Contract Fee (1.00) $26.38693524 (0.038) 63.935 1,687.06
9-30-99 GVP Charge (33.74) $26.38693524 (1.279) 62.657 1,653.32
9-30-00 Contract Fee (1.00) $38.76018856 (0.026) 62.631 2,427.59
9-30-00 GVP Charge (48.55) $38.76018856 (1.253) 61.378 2,379.03
9-30-00 Value before Surr Chg $38.76018856 0.000 61.378 2,379.03
9-30-00 Surrender Charge (50.00) $38.76018856 (1.290) 60.088 2,329.03
Cumulative Total Returns without/with chrgs. 153.65% A 132.90% C
Avg. Annual Total Returns without/with chrgs. 20.46% B 18.42% D
<PAGE>
Oppenheimer VA High Income
9-30-95 Purchase $1,000.00 $27.74519113 36.042 36.042 $1,000.00
9-30-96 Contract Fee (1.00) $31.61372047 (0.032) 36.011 1,138.43
9-30-96 GVP Charge (22.77) $31.61372047 (0.720) 35.290 1,115.66
9-30-97 Contract Fee (1.00) $35.79699916 (0.028) 35.263 1,262.29
9-30-97 GVP Charge (25.25) $35.79699916 (0.705) 34.557 1,237.05
9-30-98 Contract Fee (1.00) $34.84881603 (0.029) 34.529 1,203.28
9-30-98 GVP Charge 0.00 $34.84881603 0.000 34.529 1,203.28
9-30-99 Contract Fee (1.00) $36.32193446 (0.028) 34.501 1,253.14
9-30-99 GVP Charge 0.00 $36.32193446 0.000 34.501 1,253.14
9-30-00 Contract Fee (1.00) $36.58358037 (0.027) 34.474 1,261.17
9-30-00 GVP Charge 0.00 $36.58358037 0.000 34.474 1,261.17
9-30-00 Value before Surr Chg $36.58358037 0.000 34.474 1,261.17
9-30-00 Surrender Charge (50.00) $36.58358037 (1.367) 33.107 1,211.17
Cumulative Total Returns without/with chrgs. 31.86% A 21.12% C
Avg. Annual Total Returns without/with chrgs. 5.69% B 3.91% D
Oppenheimer VA Main Street Growth & Income
9-30-95 Purchase $1,000.00 $10.81171961 92.492 92.492 $1,000.00
9-30-96 Contract Fee (1.00) $15.21985917 (0.066) 92.427 1,406.72
9-30-96 GVP Charge (28.13) $15.21985917 (1.849) 90.578 1,378.58
9-30-97 Contract Fee (1.00) $20.70243478 (0.048) 90.530 1,874.18
9-30-97 GVP Charge (37.48) $20.70243478 (1.811) 88.719 1,836.70
9-30-98 Contract Fee (1.00) $18.38515817 (0.054) 88.665 1,630.11
9-30-98 GVP Charge 0.00 $18.38515817 0.000 88.665 1,630.11
9-30-99 Contract Fee (1.00) $23.52761107 (0.043) 88.622 2,085.07
9-30-99 GVP Charge (41.70) $23.52761107 (1.772) 86.850 2,043.37
9-30-00 Contract Fee (1.00) $26.21753339 (0.038) 86.812 2,275.99
9-30-00 GVP Charge (45.52) $26.21753339 (1.736) 85.075 2,230.47
9-30-00 Value before Surr Chg $26.21753339 0.000 85.075 2,230.47
9-30-00 Surrender Charge (50.00) $26.21753339 (1.907) 83.168 2,180.47
Cumulative Total Returns without/with chrgs. 142.49% A 118.05% C
Avg. Annual Total Returns without/with chrgs. 19.38% B 16.87% D
Templeton Developing Markets Equity
9-30-95 Purchase $1,000.00 $9.86542631 101.364 101.364 $1,000.00
9-30-96 Contract Fee (1.00) $10.77427855 (0.093) 101.271 1,091.12
9-30-96 GVP Charge (6.12) $10.77427855 (0.568) 100.703 1,085.00
9-30-97 Contract Fee (1.00) $13.50519241 (0.074) 100.629 1,359.01
9-30-97 GVP Charge (27.18) $13.50519241 (2.013) 98.616 1,331.83
9-30-98 Contract Fee (1.00) $6.62100450 (0.151) 98.465 651.94
9-30-98 GVP Charge 0.00 $6.62100450 0.000 98.465 651.94
9-30-99 Contract Fee (1.00) $9.56623933 (0.105) 98.361 940.94
9-30-99 GVP Charge (18.82) $9.56623933 (1.967) 96.393 922.12
9-30-00 Contract Fee (1.00) $8.94282243 (0.112) 96.282 861.03
9-30-00 GVP Charge 0.00 $8.94282243 0.000 96.282 861.03
9-30-00 Value before Surr Chg $8.94282243 0.000 96.282 861.03
9-30-00 Surrender Charge (50.00) $8.94282243 (5.591) 90.690 811.03
Cumulative Total Returns without/with chrgs. -9.35% A -18.90% C
Avg. Annual Total Returns without/with chrgs. -1.94% B -4.10% D
Templeton Global Growth
<PAGE>
9-30-95 Purchase $1,000.00 $11.35138870 88.095 88.095 $1,000.00
9-30-96 Contract Fee (1.00) $12.50078674 (0.080) 88.015 1,100.26
9-30-96 GVP Charge (15.26) $12.50078674 (1.220) 86.795 1,085.00
9-30-97 Contract Fee (1.00) $16.27410235 (0.061) 86.733 1,411.50
9-30-97 GVP Charge (28.23) $16.27410235 (1.735) 84.998 1,383.27
9-30-98 Contract Fee (1.00) $14.00862139 (0.071) 84.927 1,189.71
9-30-98 GVP Charge 0.00 $14.00862139 0.000 84.927 1,189.71
9-30-99 Contract Fee (1.00) $17.35523380 (0.058) 84.869 1,472.93
9-30-99 GVP Charge (29.46) $17.35523380 (1.697) 83.172 1,443.47
9-30-00 Contract Fee (1.00) $18.33920721 (0.055) 83.118 1,524.31
9-30-00 GVP Charge 0.00 $18.33920721 0.000 83.118 1,524.31
9-30-00 Value before Surr Chg $18.33920721 0.000 83.118 1,524.31
9-30-00 Surrender Charge (50.00) $18.33920721 (2.726) 80.391 1,474.31
Cumulative Total Returns without/with chrgs. 61.56% A 47.43% C
Avg. Annual Total Returns without/with chrgs. 10.07% B 8.07% D
Templeton Pacific Growth
9-30-95 Purchase $1,000.00 $13.51123088 74.013 74.013 $1,000.00
9-30-96 Contract Fee (1.00) $14.80428115 (0.068) 73.945 1,094.70
9-30-96 GVP Charge (9.70) $14.80428115 (0.655) 73.290 1,085.00
9-30-97 Contract Fee (1.00) $13.19421553 (0.076) 73.214 966.00
9-30-97 GVP Charge 0.00 $13.19421553 0.000 73.214 966.00
9-30-98 Contract Fee (1.00) $6.00534680 (0.167) 73.047 438.67
9-30-98 GVP Charge 0.00 $6.00534680 0.000 73.047 438.67
9-30-99 Contract Fee (1.00) $9.86693478 (0.101) 72.946 719.75
9-30-99 GVP Charge (14.40) $9.86693478 (1.459) 71.487 705.36
9-30-00 Contract Fee (1.00) $8.53739241 (0.117) 71.370 609.31
9-30-00 GVP Charge 0.00 $8.53739241 0.000 71.370 609.31
9-30-00 Value before Surr Chg $8.53739241 0.000 71.370 609.31
9-30-00 Surrender Charge (50.00) $8.53739241 (5.857) 65.513 559.31
Cumulative Total Returns without/with chrgs. -36.81% A -44.07% C
Avg. Annual Total Returns without/with chrgs. -8.77% B -10.97% D
Van Kampen LIT Enterprise
9-30-95 Purchase $1,000.00 $20.16117626 49.600 49.600 $1,000.00
9-30-96 Contract Fee (1.00) $24.49205586 (0.041) 49.559 1,213.81
9-30-96 GVP Charge (24.28) $24.49205586 (0.991) 48.568 1,189.54
9-30-97 Contract Fee (1.00) $33.42884148 (0.030) 48.538 1,622.58
9-30-97 GVP Charge (32.45) $33.42884148 (0.971) 47.568 1,590.13
9-30-98 Contract Fee (1.00) $31.54240982 (0.032) 47.536 1,499.40
9-30-98 GVP Charge 0.00 $31.54240982 0.000 47.536 1,499.40
9-30-99 Contract Fee (1.00) $39.63337873 (0.025) 47.511 1,883.01
9-30-99 GVP Charge (37.66) $39.63337873 (0.950) 46.560 1,845.35
9-30-00 Contract Fee (1.00) $45.14495752 (0.022) 46.538 2,100.97
9-30-00 GVP Charge (42.02) $45.14495752 (0.931) 45.608 2,058.95
9-30-00 Value before Surr Chg $45.14495752 0.000 45.608 2,058.95
9-30-00 Surrender Charge (50.00) $45.14495752 (1.108) 44.500 2,008.95
Cumulative Total Returns without/with chrgs. 123.92% A 100.89% C
Avg. Annual Total Returns without/with chrgs. 17.49% B 14.97% D
<FN>
<PAGE>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/5 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/5 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Enhanced - 3% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1995
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
9-30-95 Purchase $1,000.00 $16.44728105 60.800 60.800 $1,000.00
9-30-96 Contract Fee (1.00) $18.06396398 (0.055) 60.745 $1,097.29
9-30-96 GVP Charge (17.29) $18.06396398 (0.957) 59.788 $1,080.00
9-30-97 Contract Fee (1.00) $22.13592640 (0.045) 59.742 $1,322.45
9-30-97 GVP Charge (39.67) $22.13592640 (1.792) 57.950 $1,282.78
9-30-98 Contract Fee (1.00) $19.14527897 (0.052) 57.898 $1,108.47
9-30-98 GVP Charge 0.00 $19.14527897 0.000 57.898 $1,108.47
9-30-99 Contract Fee (1.00) $24.79130576 (0.040) 57.858 $1,434.36
9-30-99 GVP Charge (43.03) $24.79130576 (1.736) 56.122 $1,391.33
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 56.095 $2,118.26
9-30-00 GVP Charge (63.55) $37.76177365 (1.683) 54.412 $2,054.71
9-30-00 Value before Surr Chg $37.76177365 0.000 54.412 $2,054.71
9-30-00 Surrender Charge (50.00) $37.76177365 (1.324) 53.088 $2,004.71
Cumulative Total Returns without/with chrgs. 129.59% A 100.47% C
Avg. Annual Total Returns without/with chrgs. 18.08% B 14.92% D
AIM VI Growth
9-30-95 Purchase $1,000.00 $14.06588752 71.094 71.094 $1,000.00
9-30-96 Contract Fee (1.00) $15.40852173 (0.065) 71.029 $1,094.45
9-30-96 GVP Charge (14.45) $15.40852173 (0.938) 70.091 $1,080.00
9-30-97 Contract Fee (1.00) $20.24571588 (0.049) 70.042 $1,418.04
9-30-97 GVP Charge (42.54) $20.24571588 (2.101) 67.940 $1,375.50
9-30-98 Contract Fee (1.00) $20.52049714 (0.049) 67.892 $1,393.17
9-30-98 GVP Charge 0.00 $20.52049714 0.000 67.892 $1,393.17
9-30-99 Contract Fee (1.00) $28.37275018 (0.035) 67.856 $1,925.27
9-30-99 GVP Charge (57.76) $28.37275018 (2.036) 65.821 $1,867.52
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 65.792 $2,292.85
9-30-00 GVP Charge (68.79) $34.84992418 (1.974) 63.818 $2,224.06
9-30-00 Value before Surr Chg $34.84992418 0.000 63.818 $2,224.06
9-30-00 Surrender Charge (50.00) $34.84992418 (1.435) 62.384 $2,174.06
<PAGE>
Cumulative Total Returns without/with chrgs. 147.76% A 117.41% C
Avg. Annual Total Returns without/with chrgs. 19.90% B 16.80% D
AIM VI International Equity
9-30-95 Purchase $1,000.00 $12.70642298 78.700 78.700 $1,000.00
9-30-96 Contract Fee (1.00) $14.50387343 (0.069) 78.631 $1,140.46
9-30-96 GVP Charge (34.21) $14.50387343 (2.359) 76.272 $1,106.25
9-30-97 Contract Fee (1.00) $17.42281755 (0.057) 76.215 $1,327.88
9-30-97 GVP Charge (39.84) $17.42281755 (2.286) 73.929 $1,288.04
9-30-98 Contract Fee (1.00) $16.18390936 (0.062) 73.867 $1,195.45
9-30-98 GVP Charge 0.00 $16.18390936 0.000 73.867 $1,195.45
9-30-99 Contract Fee (1.00) $19.54615812 (0.051) 73.816 $1,442.81
9-30-99 GVP Charge (43.28) $19.54615812 (2.214) 71.601 $1,399.53
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 71.557 $1,613.15
9-30-00 GVP Charge (48.39) $22.54366313 (2.147) 69.410 $1,564.76
9-30-00 Value before Surr Chg $22.54366313 0.000 69.410 $1,564.76
9-30-00 Surrender Charge (50.00) $22.54366313 (2.218) 67.192 $1,514.76
Cumulative Total Returns without/with chrgs. 77.42% A 51.48% C
Avg. Annual Total Returns without/with chrgs. 12.15% B 8.66% D
AIM VI Value
9-30-95 Purchase $1,000.00 $15.74454811 63.514 63.514 $1,000.00
9-30-96 Contract Fee (1.00) $16.29333836 (0.061) 63.453 $1,033.86
9-30-96 GVP Charge 0.00 $16.29333836 0.000 63.453 $1,033.86
9-30-97 Contract Fee (1.00) $21.53473150 (0.046) 63.406 $1,365.44
9-30-97 GVP Charge (40.96) $21.53473150 (1.902) 61.504 $1,324.47
9-30-98 Contract Fee (1.00) $21.66099320 (0.046) 61.458 $1,331.24
9-30-98 GVP Charge 0.00 $21.66099320 0.000 61.458 $1,331.24
9-30-99 Contract Fee (1.00) $29.75103213 (0.034) 61.424 $1,827.44
9-30-99 GVP Charge (54.82) $29.75103213 (1.843) 59.582 $1,772.61
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 59.550 $1,911.27
9-30-00 GVP Charge 0.00 $32.09497972 0.000 59.550 $1,911.27
9-30-00 Value before Surr Chg $32.09497972 0.000 59.550 $1,911.27
9-30-00 Surrender Charge (50.00) $32.09497972 (1.558) 57.993 $1,861.27
Cumulative Total Returns without/with chrgs. 103.85% A 86.13% C
Avg. Annual Total Returns without/with chrgs. 15.31% B 13.23% D
Alger American Growth
9-30-95 Purchase $1,000.00 $31.84452530 31.403 31.403 $1,000.00
9-30-96 Contract Fee (1.00) $32.52238577 (0.031) 31.372 1,020.29
9-30-96 GVP Charge 0.00 $32.52238577 0.000 31.372 1,020.29
9-30-97 Contract Fee (1.00) $42.98885768 (0.023) 31.349 1,347.64
9-30-97 GVP Charge (40.43) $42.98885768 (0.940) 30.408 1,307.21
9-30-98 Contract Fee (1.00) $47.84384121 (0.021) 30.387 1,453.84
9-30-98 GVP Charge (42.05) $47.84384121 (0.879) 29.508 1,411.79
9-30-99 Contract Fee (1.00) $64.92712461 (0.015) 29.493 1,914.88
9-30-99 GVP Charge (57.45) $64.92712461 (0.885) 28.608 1,857.44
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 28.595 2,211.72
9-30-00 GVP Charge (66.35) $77.34625720 (0.858) 27.737 2,145.37
9-30-00 Value before Surr Chg $77.34625720 0.000 27.737 2,145.37
9-30-00 Surrender Charge (50.00) $77.34625720 (0.646) 27.091 2,095.37
Cumulative Total Returns without/with chrgs. 142.89% A 109.54% C
<PAGE>
Avg. Annual Total Returns without/with chrgs. 19.42% B 15.95% D
Alger American Leveraged AllCap
9-30-95 Purchase $1,000.00 $17.52123836 57.074 57.074 $1,000.00
9-30-96 Contract Fee (1.00) $18.87268342 (0.053) 57.021 1,076.13
9-30-96 GVP Charge 0.00 $18.87268342 0.000 57.021 1,076.13
9-30-97 Contract Fee (1.00) $23.48937642 (0.043) 56.978 1,338.38
9-30-97 GVP Charge (40.15) $23.48937642 (1.709) 55.269 1,298.23
9-30-98 Contract Fee (1.00) $25.97153961 (0.039) 55.230 1,434.41
9-30-98 GVP Charge (32.33) $25.97153961 (1.245) 53.985 1,402.09
9-30-99 Contract Fee (1.00) $42.67335184 (0.023) 53.962 2,302.74
9-30-99 GVP Charge (69.08) $42.67335184 (1.619) 52.343 2,233.66
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 52.325 2,953.78
9-30-00 GVP Charge (88.61) $56.45017474 (1.570) 50.756 2,865.17
9-30-00 Value before Surr Chg $56.45017474 0.000 50.756 2,865.17
9-30-00 Surrender Charge (50.00) $56.45017474 (0.886) 49.870 2,815.17
Cumulative Total Returns without/with chrgs. 222.18% A 181.52% C
Avg. Annual Total Returns without/with chrgs. 26.36% B 23.00% D
Alger American MidCap Growth
9-30-95 Purchase $1,000.00 $19.84790265 50.383 50.383 $1,000.00
9-30-96 Contract Fee (1.00) $20.27373208 (0.049) 50.334 1,020.45
9-30-96 GVP Charge 0.00 $20.27373208 0.000 50.334 1,020.45
9-30-97 Contract Fee (1.00) $25.05131243 (0.040) 50.294 1,259.93
9-30-97 GVP Charge (37.80) $25.05131243 (1.509) 48.785 1,222.13
9-30-98 Contract Fee (1.00) $23.35412460 (0.043) 48.742 1,138.33
9-30-98 GVP Charge 0.00 $23.35412460 0.000 48.742 1,138.33
9-30-99 Contract Fee (1.00) $30.53408293 (0.033) 48.710 1,487.30
9-30-99 GVP Charge (44.62) $30.53408293 (1.461) 47.248 1,442.68
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 47.226 2,158.68
9-30-00 GVP Charge (64.76) $45.70922909 (1.417) 45.810 2,093.92
9-30-00 Value before Surr Chg $45.70922909 0.000 45.810 2,093.92
9-30-00 Surrender Charge (50.00) $45.70922909 (1.094) 44.716 2,043.92
Cumulative Total Returns without/with chrgs. 130.30% A 104.39% C
Avg. Annual Total Returns without/with chrgs. 18.16% B 15.37% D
Alger American Small Capitalization
9-30-95 Purchase $1,000.00 $41.62133849 24.026 24.026 $1,000.00
9-30-96 Contract Fee (1.00) $40.57746958 (0.025) 24.001 973.92
9-30-96 GVP Charge 0.00 $40.57746958 0.000 24.001 973.92
9-30-97 Contract Fee (1.00) $45.53761406 (0.022) 23.980 1,091.97
9-30-97 GVP Charge (32.76) $45.53761406 (0.719) 23.260 1,059.21
9-30-98 Contract Fee (1.00) $38.78471958 (0.026) 23.234 901.14
9-30-98 GVP Charge 0.00 $38.78471958 0.000 23.234 901.14
9-30-99 Contract Fee (1.00) $51.86278040 (0.019) 23.215 1,204.00
9-30-99 GVP Charge (36.12) $51.86278040 (0.696) 22.519 1,167.88
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 22.502 1,360.97
9-30-00 GVP Charge (40.83) $60.48209966 (0.675) 21.827 1,320.14
9-30-00 Value before Surr Chg $60.48209966 0.000 21.827 1,320.14
9-30-00 Surrender Charge (50.00) $60.48209966 (0.827) 21.000 1,270.14
Cumulative Total Returns without/with chrgs. 45.32% A 27.01% C
Avg. Annual Total Returns without/with chrgs. 7.76% B 4.90% D
<PAGE>
Franklin Growth & Income
9-30-95 Purchase $1,000.00 $15.54447401 64.332 64.332 $1,000.00
9-30-96 Contract Fee (1.00) $17.32129307 (0.058) 64.274 1,113.31
9-30-96 GVP Charge (33.31) $17.32129307 (1.923) 62.351 1,080.00
9-30-97 Contract Fee (1.00) $22.54049202 (0.044) 62.307 1,404.42
9-30-97 GVP Charge (42.13) $22.54049202 (1.869) 60.437 1,362.29
9-30-98 Contract Fee (1.00) $22.78220039 (0.044) 60.394 1,375.90
9-30-98 GVP Charge 0.00 $22.78220039 0.000 60.394 1,375.90
9-30-99 Contract Fee (1.00) $24.32119606 (0.041) 60.352 1,467.84
9-30-99 GVP Charge 0.00 $24.32119606 0.000 60.352 1,467.84
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 60.315 1,613.35
9-30-00 GVP Charge (28.08) $26.74875738 (1.050) 59.265 1,585.27
9-30-00 Value before Surr Chg $26.74875738 0.000 59.265 1,585.27
9-30-00 Surrender Charge (50.00) $26.74875738 (1.869) 57.396 1,535.27
Cumulative Total Returns without/with chrgs. 72.08% A 53.53% C
Avg. Annual Total Returns without/with chrgs. 11.47% B 8.95% D
Franklin Rising Dividends Securities
9-30-95 Purchase $1,000.00 $11.54652309 86.606 86.606 $1,000.00
9-30-96 Contract Fee (1.00) $13.43450912 (0.074) 86.532 1,162.51
9-30-96 GVP Charge (34.88) $13.43450912 (2.596) 83.936 1,127.64
9-30-97 Contract Fee (1.00) $19.05269829 (0.052) 83.883 1,598.20
9-30-97 GVP Charge (47.95) $19.05269829 (2.516) 81.367 1,550.26
9-30-98 Contract Fee (1.00) $17.10014672 (0.058) 81.308 1,390.38
9-30-98 GVP Charge 0.00 $17.10014672 0.000 81.308 1,390.38
9-30-99 Contract Fee (1.00) $18.24701145 (0.055) 81.254 1,482.63
9-30-99 GVP Charge 0.00 $18.24701145 0.000 81.254 1,482.63
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 81.200 1,509.47
9-30-00 GVP Charge 0.00 $18.58958874 0.000 81.200 1,509.47
9-30-00 Value before Surr Chg $18.58958874 0.000 81.200 1,509.47
9-30-00 Surrender Charge (50.00) $18.58958874 (2.690) 78.510 1,459.47
Cumulative Total Returns without/with chrgs. 61.00% A 45.95% C
Avg. Annual Total Returns without/with chrgs. 9.99% B 7.85% D
Franklin U.S. Government
9-30-95 Purchase $1,000.00 $15.10978225 66.182 66.182 $1,000.00
9-30-96 Contract Fee (1.00) $15.49747726 (0.065) 66.118 1,024.66
9-30-96 GVP Charge 0.00 $15.49747726 0.000 66.118 1,024.66
9-30-97 Contract Fee (1.00) $16.70726511 (0.060) 66.058 1,103.65
9-30-97 GVP Charge 0.00 $16.70726511 0.000 66.058 1,103.65
9-30-98 Contract Fee (1.00) $17.99609926 (0.056) 66.002 1,187.78
9-30-98 GVP Charge 0.00 $17.99609926 0.000 66.002 1,187.78
9-30-99 Contract Fee (1.00) $17.51021768 (0.057) 65.945 1,154.72
9-30-99 GVP Charge 0.00 $17.51021768 0.000 65.945 1,154.72
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 65.891 1,205.12
9-30-00 GVP Charge 0.00 $18.28976296 0.000 65.891 1,205.12
9-30-00 Value before Surr Chg $18.28976296 0.000 65.891 1,205.12
9-30-00 Surrender Charge (50.00) $18.28976296 (2.734) 63.157 1,155.12
Cumulative Total Returns without/with chrgs. 21.05% A 15.51% C
Avg. Annual Total Returns without/with chrgs. 3.89% B 2.93% D
<PAGE>
JP Morgan International Opportunities
9-30-95 Purchase $1,000.00 $10.59270168 94.405 94.405 $1,000.00
9-30-96 Contract Fee (1.00) $11.63429747 (0.086) 94.319 1,097.33
9-30-96 GVP Charge (17.33) $11.63429747 (1.490) 92.829 1,080.00
9-30-97 Contract Fee (1.00) $13.60393003 (0.074) 92.755 1,261.84
9-30-97 GVP Charge (37.86) $13.60393003 (2.783) 89.973 1,223.98
9-30-98 Contract Fee (1.00) $10.75602571 (0.093) 89.880 966.75
9-30-98 GVP Charge 0.00 $10.75602571 0.000 89.880 966.75
9-30-99 Contract Fee (1.00) $14.82521335 (0.067) 89.812 1,331.49
9-30-99 GVP Charge (39.94) $14.82521335 (2.694) 87.118 1,291.54
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 87.052 1,324.56
9-30-00 GVP Charge 0.00 $15.21573694 0.000 87.052 1,324.56
9-30-00 Value before Surr Chg $15.21573694 0.000 87.052 1,324.56
9-30-00 Surrender Charge (50.00) $15.21573694 (3.286) 83.766 1,274.56
Cumulative Total Returns without/with chrgs. 43.64% A 27.46% C
Avg. Annual Total Returns without/with chrgs. 7.51% B 4.97% D
JP Morgan US Disciplined Equity
9-30-95 Purchase $1,000.00 $12.59299764 79.409 79.409 $1,000.00
9-30-96 Contract Fee (1.00) $14.49769926 (0.069) 79.340 1,150.25
9-30-96 GVP Charge (34.51) $14.49769926 (2.380) 76.960 1,115.74
9-30-97 Contract Fee (1.00) $19.66220726 (0.051) 76.909 1,512.20
9-30-97 GVP Charge (45.37) $19.66220726 (2.307) 74.602 1,466.84
9-30-98 Contract Fee (1.00) $19.46777264 (0.051) 74.551 1,451.33
9-30-98 GVP Charge 0.00 $19.46777264 0.000 74.551 1,451.33
9-30-99 Contract Fee (1.00) $24.46705477 (0.041) 74.510 1,823.03
9-30-99 GVP Charge (54.69) $24.46705477 (2.235) 72.274 1,768.34
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 72.234 1,810.58
9-30-00 GVP Charge 0.00 $25.06533629 0.000 72.234 1,810.58
9-30-00 Value before Surr Chg $25.06533629 0.000 72.234 1,810.58
9-30-00 Surrender Charge (50.00) $25.06533629 (1.995) 70.240 1,760.58
Cumulative Total Returns without/with chrgs. 99.04% A 76.06% C
Avg. Annual Total Returns without/with chrgs. 14.76% B 11.98% D
Oppenheimer VA Global Securities
9-30-95 Purchase $1,000.00 $14.91234721 67.059 67.059 $1,000.00
9-30-96 Contract Fee (1.00) $15.72239169 (0.064) 66.995 1,053.32
9-30-96 GVP Charge 0.00 $15.72239169 0.000 66.995 1,053.32
9-30-97 Contract Fee (1.00) $20.37522898 (0.049) 66.946 1,364.04
9-30-97 GVP Charge (40.92) $20.37522898 (2.008) 64.937 1,323.12
9-30-98 Contract Fee (1.00) $18.45709693 (0.054) 64.883 1,197.56
9-30-98 GVP Charge 0.00 $18.45709693 0.000 64.883 1,197.56
9-30-99 Contract Fee (1.00) $25.23990976 (0.040) 64.844 1,636.65
9-30-99 GVP Charge (49.10) $25.23990976 (1.945) 62.898 1,587.55
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 62.871 2,319.34
9-30-00 GVP Charge (69.58) $36.89037351 (1.886) 60.985 2,249.76
9-30-00 Value before Surr Chg $36.89037351 0.000 60.985 2,249.76
9-30-00 Surrender Charge (50.00) $36.89037351 (1.355) 59.630 2,199.76
Cumulative Total Returns without/with chrgs. 147.38% A 119.98% C
Avg. Annual Total Returns without/with chrgs. 19.86% B 17.08% D
<PAGE>
Oppenheimer VA High Income
9-30-95 Purchase $1,000.00 $26.46831895 37.781 37.781 $1,000.00
9-30-96 Contract Fee (1.00) $30.00755906 (0.033) 37.748 1,132.72
9-30-96 GVP Charge (33.98) $30.00755906 (1.132) 36.615 1,098.73
9-30-97 Contract Fee (1.00) $33.80881947 (0.030) 36.586 1,236.92
9-30-97 GVP Charge (37.11) $33.80881947 (1.098) 35.488 1,199.81
9-30-98 Contract Fee (1.00) $32.74912758 (0.031) 35.458 1,161.20
9-30-98 GVP Charge 0.00 $32.74912758 0.000 35.458 1,161.20
9-30-99 Contract Fee (1.00) $33.96323093 (0.029) 35.428 1,203.25
9-30-99 GVP Charge 0.00 $33.96323093 0.000 35.428 1,203.25
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 35.399 1,204.88
9-30-00 GVP Charge 0.00 $34.03725742 0.000 35.399 1,204.88
9-30-00 Value before Surr Chg $34.03725742 0.000 35.399 1,204.88
9-30-00 Surrender Charge (50.00) $34.03725742 (1.469) 33.930 1,154.88
Cumulative Total Returns without/with chrgs. 28.60% A 15.49% C
Avg. Annual Total Returns without/with chrgs. 5.16% B 2.92% D
Oppenheimer VA Main Street Growth & Income
9-30-95 Purchase $1,000.00 $10.79898885 92.601 92.601 $1,000.00
9-30-96 Contract Fee (1.00) $15.12569625 (0.066) 92.535 1,399.66
9-30-96 GVP Charge (41.99) $15.12569625 (2.776) 89.759 1,357.67
9-30-97 Contract Fee (1.00) $20.47172742 (0.049) 89.710 1,836.52
9-30-97 GVP Charge (55.10) $20.47172742 (2.691) 87.019 1,781.43
9-30-98 Contract Fee (1.00) $18.08959144 (0.055) 86.964 1,573.14
9-30-98 GVP Charge 0.00 $18.08959144 0.000 86.964 1,573.14
9-30-99 Contract Fee (1.00) $23.03390334 (0.043) 86.920 2,002.11
9-30-99 GVP Charge (60.06) $23.03390334 (2.608) 84.313 1,942.05
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 84.273 2,152.29
9-30-00 GVP Charge (54.88) $25.53935132 (2.149) 82.125 2,097.41
9-30-00 Value before Surr Chg $25.53935132 0.000 82.125 2,097.41
9-30-00 Surrender Charge (50.00) $25.53935132 (1.958) 80.167 2,047.41
Cumulative Total Returns without/with chrgs. 136.50% A 104.74% C
Avg. Annual Total Returns without/with chrgs. 18.79% B 15.41% D
Templeton Developing Markets Equity
9-30-95 Purchase $1,000.00 $9.78962641 102.149 102.149 $1,000.00
9-30-96 Contract Fee (1.00) $10.63787502 (0.094) 102.055 1,085.65
9-30-96 GVP Charge (5.65) $10.63787502 (0.531) 101.524 1,080.00
9-30-97 Contract Fee (1.00) $13.26770432 (0.075) 101.449 1,345.99
9-30-97 GVP Charge (40.38) $13.26770432 (3.043) 98.405 1,305.61
9-30-98 Contract Fee (1.00) $6.47212973 (0.155) 98.251 635.89
9-30-98 GVP Charge 0.00 $6.47212973 0.000 98.251 635.89
9-30-99 Contract Fee (1.00) $9.30449684 (0.107) 98.143 913.17
9-30-99 GVP Charge (27.40) $9.30449684 (2.944) 95.199 885.78
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 95.083 823.39
9-30-00 GVP Charge 0.00 $8.65965003 0.000 95.083 823.39
9-30-00 Value before Surr Chg $8.65965003 0.000 95.083 823.39
9-30-00 Surrender Charge (50.00) $8.65965003 (5.774) 89.310 773.39
Cumulative Total Returns without/with chrgs. -11.54% A -22.66% C
Avg. Annual Total Returns without/with chrgs. -2.42% B -5.01% D
<PAGE>
Templeton Global Growth
9-30-95 Purchase $1,000.00 $11.26417158 88.777 88.777 $1,000.00
9-30-96 Contract Fee (1.00) $12.34252542 (0.081) 88.696 1,094.73
9-30-96 GVP Charge (14.73) $12.34252542 (1.194) 87.502 1,080.00
9-30-97 Contract Fee (1.00) $15.98792313 (0.063) 87.440 1,397.98
9-30-97 GVP Charge (41.94) $15.98792313 (2.623) 84.817 1,356.04
9-30-98 Contract Fee (1.00) $13.69363439 (0.073) 84.744 1,160.45
9-30-98 GVP Charge 0.00 $13.69363439 0.000 84.744 1,160.45
9-30-99 Contract Fee (1.00) $16.88037613 (0.059) 84.684 1,429.50
9-30-99 GVP Charge (42.89) $16.88037613 (2.541) 82.144 1,386.62
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 82.087 1,456.93
9-30-00 GVP Charge 0.00 $17.74845416 0.000 82.087 1,456.93
9-30-00 Value before Surr Chg $17.74845416 0.000 82.087 1,456.93
9-30-00 Surrender Charge (50.00) $17.74845416 (2.817) 79.270 1,406.93
Cumulative Total Returns without/with chrgs. 57.57% A 40.69% C
Avg. Annual Total Returns without/with chrgs. 9.52% B 7.07% D
Templeton Pacific Growth
9-30-95 Purchase $1,000.00 $13.26981832 75.359 75.359 $1,000.00
9-30-96 Contract Fee (1.00) $14.46684432 (0.069) 75.290 1,089.21
9-30-96 GVP Charge (9.21) $14.46684432 (0.636) 74.653 1,080.00
9-30-97 Contract Fee (1.00) $12.82916474 (0.078) 74.576 956.74
9-30-97 GVP Charge 0.00 $12.82916474 0.000 74.576 956.74
9-30-98 Contract Fee (1.00) $5.81006810 (0.172) 74.403 432.29
9-30-98 GVP Charge 0.00 $5.81006810 0.000 74.403 432.29
9-30-99 Contract Fee (1.00) $9.39481370 (0.106) 74.297 698.01
9-30-99 GVP Charge (20.94) $9.39481370 (2.229) 72.068 677.07
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 71.944 580.57
9-30-00 GVP Charge 0.00 $8.06975054 0.000 71.944 580.57
9-30-00 Value before Surr Chg $8.06975054 0.000 71.944 580.57
9-30-00 Surrender Charge (50.00) $8.06975054 (6.196) 65.748 530.57
Cumulative Total Returns without/with chrgs. -39.19% A -46.94% C
Avg. Annual Total Returns without/with chrgs. -9.47% B -11.91% D
Van Kampen LIT Enterprise
9-30-95 Purchase $1,000.00 $19.22549811 52.014 52.014 $1,000.00
9-30-96 Contract Fee (1.00) $23.23840752 (0.043) 51.971 1,207.73
9-30-96 GVP Charge (36.23) $23.23840752 (1.559) 50.412 1,171.50
9-30-97 Contract Fee (1.00) $31.55933197 (0.032) 50.380 1,589.97
9-30-97 GVP Charge (47.70) $31.55933197 (1.511) 48.869 1,542.27
9-30-98 Contract Fee (1.00) $29.62966216 (0.034) 48.835 1,446.97
9-30-98 GVP Charge 0.00 $29.62966216 0.000 48.835 1,446.97
9-30-99 Contract Fee (1.00) $37.04422330 (0.027) 48.808 1,808.06
9-30-99 GVP Charge (54.24) $37.04422330 (1.464) 47.344 1,753.82
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 47.320 1,986.75
9-30-00 GVP Charge (59.60) $41.98527185 (1.420) 45.901 1,927.15
9-30-00 Value before Surr Chg $41.98527185 0.000 45.901 1,927.15
9-30-00 Surrender Charge (50.00) $41.98527185 (1.191) 44.710 1,877.15
Cumulative Total Returns without/with chrgs. 118.38% A 87.71% C
Avg. Annual Total Returns without/with chrgs. 16.91% B 13.42% D
<PAGE>
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/5 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/5 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions - Enhanced - 5% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1995
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
9-30-95 Purchase $1,000.00 $16.44728105 60.800 60.800 $1,000.00
9-30-96 Contract Fee (1.00) $18.06396398 (0.055) 60.745 $1,097.29
9-30-96 GVP Charge (17.29) $18.06396398 (0.957) 59.788 $1,080.00
9-30-97 Contract Fee (1.00) $22.13592640 (0.045) 59.742 $1,322.45
9-30-97 GVP Charge (66.12) $22.13592640 (2.987) 56.755 $1,256.33
9-30-98 Contract Fee (1.00) $19.14527897 (0.052) 56.703 $1,085.60
9-30-98 GVP Charge 0.00 $19.14527897 0.000 56.703 $1,085.60
9-30-99 Contract Fee (1.00) $24.79130576 (0.040) 56.663 $1,404.74
9-30-99 GVP Charge (70.24) $24.79130576 (2.833) 53.830 $1,334.50
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 53.803 $2,031.70
9-30-00 GVP Charge (101.58) $37.76177365 (2.690) 51.113 $1,930.11
9-30-00 Value before Surr Chg $37.76177365 0.000 51.113 $1,930.11
9-30-00 Surrender Charge (50.00) $37.76177365 (1.324) 49.789 $1,880.11
Cumulative Total Returns without/with chrgs. 129.59% A 88.01% C
Avg. Annual Total Returns without/with chrgs. 18.08% B 13.46% D
AIM VI Growth
9-30-95 Purchase $1,000.00 $14.06588752 71.094 71.094 $1,000.00
9-30-96 Contract Fee (1.00) $15.40852173 (0.065) 71.029 $1,094.45
9-30-96 GVP Charge (14.45) $15.40852173 (0.938) 70.091 $1,080.00
9-30-97 Contract Fee (1.00) $20.24571588 (0.049) 70.042 $1,418.04
9-30-97 GVP Charge (70.90) $20.24571588 (3.502) 66.540 $1,347.14
9-30-98 Contract Fee (1.00) $20.52049714 (0.049) 66.491 $1,364.43
9-30-98 GVP Charge 0.00 $20.52049714 0.000 66.491 $1,364.43
9-30-99 Contract Fee (1.00) $28.37275018 (0.035) 66.456 $1,885.53
9-30-99 GVP Charge (94.28) $28.37275018 (3.323) 63.133 $1,791.25
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 63.104 $2,199.17
9-30-00 GVP Charge (109.96) $34.84992418 (3.155) 59.949 $2,089.22
9-30-00 Value before Surr Chg $34.84992418 0.000 59.949 $2,089.22
9-30-00 Surrender Charge (50.00) $34.84992418 (1.435) 58.514 $2,039.22
<PAGE>
Cumulative Total Returns without/with chrgs. 147.76% A 103.92% C
Avg. Annual Total Returns without/with chrgs. 19.90% B 15.32% D
AIM VI International Equity
9-30-95 Purchase $1,000.00 $12.70642298 78.700 78.700 $1,000.00
9-30-96 Contract Fee (1.00) $14.50387343 (0.069) 78.631 $1,140.46
9-30-96 GVP Charge (57.02) $14.50387343 (3.932) 74.700 $1,083.44
9-30-97 Contract Fee (1.00) $17.42281755 (0.057) 74.642 $1,300.48
9-30-97 GVP Charge (65.02) $17.42281755 (3.732) 70.910 $1,235.46
9-30-98 Contract Fee (1.00) $16.18390936 (0.062) 70.849 $1,146.61
9-30-98 GVP Charge 0.00 $16.18390936 0.000 70.849 $1,146.61
9-30-99 Contract Fee (1.00) $19.54615812 (0.051) 70.797 $1,383.82
9-30-99 GVP Charge (69.19) $19.54615812 (3.540) 67.258 $1,314.63
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 67.213 $1,515.23
9-30-00 GVP Charge (75.76) $22.54366313 (3.361) 63.852 $1,439.47
9-30-00 Value before Surr Chg $22.54366313 0.000 63.852 $1,439.47
9-30-00 Surrender Charge (50.00) $22.54366313 (2.218) 61.635 $1,389.47
Cumulative Total Returns without/with chrgs. 77.42% A 38.95% C
Avg. Annual Total Returns without/with chrgs. 12.15% B 6.80% D
AIM VI Value
9-30-95 Purchase $1,000.00 $15.74454811 63.514 63.514 $1,000.00
9-30-96 Contract Fee (1.00) $16.29333836 (0.061) 63.453 $1,033.86
9-30-96 GVP Charge 0.00 $16.29333836 0.000 63.453 $1,033.86
9-30-97 Contract Fee (1.00) $21.53473150 (0.046) 63.406 $1,365.44
9-30-97 GVP Charge (68.27) $21.53473150 (3.170) 60.236 $1,297.16
9-30-98 Contract Fee (1.00) $21.66099320 (0.046) 60.190 $1,303.77
9-30-98 GVP Charge 0.00 $21.66099320 0.000 60.190 $1,303.77
9-30-99 Contract Fee (1.00) $29.75103213 (0.034) 60.156 $1,789.71
9-30-99 GVP Charge (89.49) $29.75103213 (3.008) 57.148 $1,700.22
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 57.117 $1,833.17
9-30-00 GVP Charge 0.00 $32.09497972 0.000 57.117 $1,833.17
9-30-00 Value before Surr Chg $32.09497972 0.000 57.117 $1,833.17
9-30-00 Surrender Charge (50.00) $32.09497972 (1.558) 55.559 $1,783.17
Cumulative Total Returns without/with chrgs. 103.85% A 78.32% C
Avg. Annual Total Returns without/with chrgs. 15.31% B 12.26% D
Alger American Growth
9-30-95 Purchase $1,000.00 $31.84452530 31.403 31.403 $1,000.00
9-30-96 Contract Fee (1.00) $32.52238577 (0.031) 31.372 1,020.29
9-30-96 GVP Charge 0.00 $32.52238577 0.000 31.372 1,020.29
9-30-97 Contract Fee (1.00) $42.98885768 (0.023) 31.349 1,347.64
9-30-97 GVP Charge (67.38) $42.98885768 (1.567) 29.781 1,280.26
9-30-98 Contract Fee (1.00) $47.84384121 (0.021) 29.760 1,423.84
9-30-98 GVP Charge (41.17) $47.84384121 (0.860) 28.900 1,382.68
9-30-99 Contract Fee (1.00) $64.92712461 (0.015) 28.884 1,875.38
9-30-99 GVP Charge (93.77) $64.92712461 (1.444) 27.440 1,781.61
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 27.427 2,121.40
9-30-00 GVP Charge (106.07) $77.34625720 (1.371) 26.056 2,015.33
9-30-00 Value before Surr Chg $77.34625720 0.000 26.056 2,015.33
9-30-00 Surrender Charge (50.00) $77.34625720 (0.646) 25.409 1,965.33
Cumulative Total Returns without/with chrgs. 142.89% A 96.53% C
<PAGE>
Avg. Annual Total Returns without/with chrgs. 19.42% B 14.47% D
Alger American Leveraged AllCap
9-30-95 Purchase $1,000.00 $17.52123836 57.074 57.074 $1,000.00
9-30-96 Contract Fee (1.00) $18.87268342 (0.053) 57.021 1,076.13
9-30-96 GVP Charge 0.00 $18.87268342 0.000 57.021 1,076.13
9-30-97 Contract Fee (1.00) $23.48937642 (0.043) 56.978 1,338.38
9-30-97 GVP Charge (66.92) $23.48937642 (2.849) 54.129 1,271.46
9-30-98 Contract Fee (1.00) $25.97153961 (0.039) 54.091 1,404.82
9-30-98 GVP Charge (31.64) $25.97153961 (1.218) 52.872 1,373.18
9-30-99 Contract Fee (1.00) $42.67335184 (0.023) 52.849 2,255.24
9-30-99 GVP Charge (112.76) $42.67335184 (2.642) 50.206 2,142.48
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 50.189 2,833.16
9-30-00 GVP Charge (141.66) $56.45017474 (2.509) 47.679 2,691.51
9-30-00 Value before Surr Chg $56.45017474 0.000 47.679 2,691.51
9-30-00 Surrender Charge (50.00) $56.45017474 (0.886) 46.794 2,641.51
Cumulative Total Returns without/with chrgs. 222.18% A 164.15% C
Avg. Annual Total Returns without/with chrgs. 26.36% B 21.44% D
Alger American MidCap Growth
9-30-95 Purchase $1,000.00 $19.84790265 50.383 50.383 $1,000.00
9-30-96 Contract Fee (1.00) $20.27373208 (0.049) 50.334 1,020.45
9-30-96 GVP Charge 0.00 $20.27373208 0.000 50.334 1,020.45
9-30-97 Contract Fee (1.00) $25.05131243 (0.040) 50.294 1,259.93
9-30-97 GVP Charge (63.00) $25.05131243 (2.515) 47.779 1,196.93
9-30-98 Contract Fee (1.00) $23.35412460 (0.043) 47.736 1,114.84
9-30-98 GVP Charge 0.00 $23.35412460 0.000 47.736 1,114.84
9-30-99 Contract Fee (1.00) $30.53408293 (0.033) 47.704 1,456.59
9-30-99 GVP Charge (72.83) $30.53408293 (2.385) 45.318 1,383.76
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 45.297 2,070.47
9-30-00 GVP Charge (103.52) $45.70922909 (2.265) 43.032 1,966.95
9-30-00 Value before Surr Chg $45.70922909 0.000 43.032 1,966.95
9-30-00 Surrender Charge (50.00) $45.70922909 (1.094) 41.938 1,916.95
Cumulative Total Returns without/with chrgs. 130.30% A 91.69% C
Avg. Annual Total Returns without/with chrgs. 18.16% B 13.90% D
Alger American Small Capitalization
9-30-95 Purchase $1,000.00 $41.62133849 24.026 24.026 $1,000.00
9-30-96 Contract Fee (1.00) $40.57746958 (0.025) 24.001 973.92
9-30-96 GVP Charge 0.00 $40.57746958 0.000 24.001 973.92
9-30-97 Contract Fee (1.00) $45.53761406 (0.022) 23.980 1,091.97
9-30-97 GVP Charge (40.14) $45.53761406 (0.881) 23.098 1,051.83
9-30-98 Contract Fee (1.00) $38.78471958 (0.026) 23.072 894.85
9-30-98 GVP Charge 0.00 $38.78471958 0.000 23.072 894.85
9-30-99 Contract Fee (1.00) $51.86278040 (0.019) 23.053 1,195.60
9-30-99 GVP Charge (59.78) $51.86278040 (1.153) 21.900 1,135.82
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 21.884 1,323.58
9-30-00 GVP Charge (66.18) $60.48209966 (1.094) 20.790 1,257.40
9-30-00 Value before Surr Chg $60.48209966 0.000 20.790 1,257.40
9-30-00 Surrender Charge (50.00) $60.48209966 (0.827) 19.963 1,207.40
Cumulative Total Returns without/with chrgs. 45.32% A 20.74% C
Avg. Annual Total Returns without/with chrgs. 7.76% B 3.84% D
<PAGE>
Franklin Growth & Income
9-30-95 Purchase $1,000.00 $15.54447401 64.332 64.332 $1,000.00
9-30-96 Contract Fee (1.00) $17.32129307 (0.058) 64.274 1,113.31
9-30-96 GVP Charge (33.31) $17.32129307 (1.923) 62.351 1,080.00
9-30-97 Contract Fee (1.00) $22.54049202 (0.044) 62.307 1,404.42
9-30-97 GVP Charge (70.22) $22.54049202 (3.115) 59.191 1,334.20
9-30-98 Contract Fee (1.00) $22.78220039 (0.044) 59.147 1,347.51
9-30-98 GVP Charge 0.00 $22.78220039 0.000 59.147 1,347.51
9-30-99 Contract Fee (1.00) $24.32119606 (0.041) 59.106 1,437.54
9-30-99 GVP Charge 0.00 $24.32119606 0.000 59.106 1,437.54
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 59.069 1,580.02
9-30-00 GVP Charge (27.48) $26.74875738 (1.027) 58.042 1,552.54
9-30-00 Value before Surr Chg $26.74875738 0.000 58.042 1,552.54
9-30-00 Surrender Charge (50.00) $26.74875738 (1.869) 56.172 1,502.54
Cumulative Total Returns without/with chrgs. 72.08% A 50.25% C
Avg. Annual Total Returns without/with chrgs. 11.47% B 8.48% D
Franklin Rising Dividends Securities
9-30-95 Purchase $1,000.00 $11.54652309 86.606 86.606 $1,000.00
9-30-96 Contract Fee (1.00) $13.43450912 (0.074) 86.532 1,162.51
9-30-96 GVP Charge (58.13) $13.43450912 (4.327) 82.205 1,104.39
9-30-97 Contract Fee (1.00) $19.05269829 (0.052) 82.153 1,565.23
9-30-97 GVP Charge (78.26) $19.05269829 (4.108) 78.045 1,486.97
9-30-98 Contract Fee (1.00) $17.10014672 (0.058) 77.987 1,333.58
9-30-98 GVP Charge 0.00 $17.10014672 0.000 77.987 1,333.58
9-30-99 Contract Fee (1.00) $18.24701145 (0.055) 77.932 1,422.02
9-30-99 GVP Charge 0.00 $18.24701145 0.000 77.932 1,422.02
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 77.878 1,447.72
9-30-00 GVP Charge 0.00 $18.58958874 0.000 77.878 1,447.72
9-30-00 Value before Surr Chg $18.58958874 0.000 77.878 1,447.72
9-30-00 Surrender Charge (50.00) $18.58958874 (2.690) 75.188 1,397.72
Cumulative Total Returns without/with chrgs. 61.00% A 39.77% C
Avg. Annual Total Returns without/with chrgs. 9.99% B 6.93% D
Franklin U.S. Government
9-30-95 Purchase $1,000.00 $15.10978225 66.182 66.182 $1,000.00
9-30-96 Contract Fee (1.00) $15.49747726 (0.065) 66.118 1,024.66
9-30-96 GVP Charge 0.00 $15.49747726 0.000 66.118 1,024.66
9-30-97 Contract Fee (1.00) $16.70726511 (0.060) 66.058 1,103.65
9-30-97 GVP Charge 0.00 $16.70726511 0.000 66.058 1,103.65
9-30-98 Contract Fee (1.00) $17.99609926 (0.056) 66.002 1,187.78
9-30-98 GVP Charge 0.00 $17.99609926 0.000 66.002 1,187.78
9-30-99 Contract Fee (1.00) $17.51021768 (0.057) 65.945 1,154.72
9-30-99 GVP Charge 0.00 $17.51021768 0.000 65.945 1,154.72
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 65.891 1,205.12
9-30-00 GVP Charge 0.00 $18.28976296 0.000 65.891 1,205.12
9-30-00 Value before Surr Chg $18.28976296 0.000 65.891 1,205.12
9-30-00 Surrender Charge (50.00) $18.28976296 (2.734) 63.157 1,155.12
Cumulative Total Returns without/with chrgs. 21.05% A 15.51% C
Avg. Annual Total Returns without/with chrgs. 3.89% B 2.93% D
<PAGE>
JP Morgan International Opportunities
9-30-95 Purchase $1,000.00 $10.59270168 94.405 94.405 $1,000.00
9-30-96 Contract Fee (1.00) $11.63429747 (0.086) 94.319 1,097.33
9-30-96 GVP Charge (17.33) $11.63429747 (1.490) 92.829 1,080.00
9-30-97 Contract Fee (1.00) $13.60393003 (0.074) 92.755 1,261.84
9-30-97 GVP Charge (63.09) $13.60393003 (4.638) 88.118 1,198.75
9-30-98 Contract Fee (1.00) $10.75602571 (0.093) 88.025 946.80
9-30-98 GVP Charge 0.00 $10.75602571 0.000 88.025 946.80
9-30-99 Contract Fee (1.00) $14.82521335 (0.067) 87.957 1,303.99
9-30-99 GVP Charge (65.20) $14.82521335 (4.398) 83.559 1,238.79
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 83.494 1,270.42
9-30-00 GVP Charge 0.00 $15.21573694 0.000 83.494 1,270.42
9-30-00 Value before Surr Chg $15.21573694 0.000 83.494 1,270.42
9-30-00 Surrender Charge (50.00) $15.21573694 (3.286) 80.208 1,220.42
Cumulative Total Returns without/with chrgs. 43.64% A 22.04% C
Avg. Annual Total Returns without/with chrgs. 7.51% B 4.06% D
JP Morgan US Disciplined Equity
9-30-95 Purchase $1,000.00 $12.59299764 79.409 79.409 $1,000.00
9-30-96 Contract Fee (1.00) $14.49769926 (0.069) 79.340 1,150.25
9-30-96 GVP Charge (57.51) $14.49769926 (3.967) 75.373 1,092.74
9-30-97 Contract Fee (1.00) $19.66220726 (0.051) 75.322 1,481.00
9-30-97 GVP Charge (74.05) $19.66220726 (3.766) 71.556 1,406.95
9-30-98 Contract Fee (1.00) $19.46777264 (0.051) 71.505 1,392.04
9-30-98 GVP Charge 0.00 $19.46777264 0.000 71.505 1,392.04
9-30-99 Contract Fee (1.00) $24.46705477 (0.041) 71.464 1,748.51
9-30-99 GVP Charge (87.43) $24.46705477 (3.573) 67.891 1,661.09
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 67.851 1,700.71
9-30-00 GVP Charge 0.00 $25.06533629 0.000 67.851 1,700.71
9-30-00 Value before Surr Chg $25.06533629 0.000 67.851 1,700.71
9-30-00 Surrender Charge (50.00) $25.06533629 (1.995) 65.856 1,650.71
Cumulative Total Returns without/with chrgs. 99.04% A 65.07% C
Avg. Annual Total Returns without/with chrgs. 14.76% B 10.54% D
Oppenheimer VA Global Securities
9-30-95 Purchase $1,000.00 $14.91234721 67.059 67.059 $1,000.00
9-30-96 Contract Fee (1.00) $15.72239169 (0.064) 66.995 1,053.32
9-30-96 GVP Charge 0.00 $15.72239169 0.000 66.995 1,053.32
9-30-97 Contract Fee (1.00) $20.37522898 (0.049) 66.946 1,364.04
9-30-97 GVP Charge (68.20) $20.37522898 (3.347) 63.599 1,295.84
9-30-98 Contract Fee (1.00) $18.45709693 (0.054) 63.544 1,172.84
9-30-98 GVP Charge 0.00 $18.45709693 0.000 63.544 1,172.84
9-30-99 Contract Fee (1.00) $25.23990976 (0.040) 63.505 1,602.85
9-30-99 GVP Charge (80.14) $25.23990976 (3.175) 60.330 1,522.71
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 60.302 2,224.58
9-30-00 GVP Charge (111.23) $36.89037351 (3.015) 57.287 2,113.35
9-30-00 Value before Surr Chg $36.89037351 0.000 57.287 2,113.35
9-30-00 Surrender Charge (50.00) $36.89037351 (1.355) 55.932 2,063.35
Cumulative Total Returns without/with chrgs. 147.38% A 106.33% C
Avg. Annual Total Returns without/with chrgs. 19.86% B 15.59% D
<PAGE>
Oppenheimer VA High Income
9-30-95 Purchase $1,000.00 $26.46831895 37.781 37.781 $1,000.00
9-30-96 Contract Fee (1.00) $30.00755906 (0.033) 37.748 1,132.72
9-30-96 GVP Charge (52.72) $30.00755906 (1.757) 35.991 1,080.00
9-30-97 Contract Fee (1.00) $33.80881947 (0.030) 35.961 1,215.81
9-30-97 GVP Charge (49.41) $33.80881947 (1.461) 34.500 1,166.40
9-30-98 Contract Fee (1.00) $32.74912758 (0.031) 34.469 1,128.84
9-30-98 GVP Charge 0.00 $32.74912758 0.000 34.469 1,128.84
9-30-99 Contract Fee (1.00) $33.96323093 (0.029) 34.440 1,169.69
9-30-99 GVP Charge 0.00 $33.96323093 0.000 34.440 1,169.69
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 34.411 1,171.24
9-30-00 GVP Charge 0.00 $34.03725742 0.000 34.411 1,171.24
9-30-00 Value before Surr Chg $34.03725742 0.000 34.411 1,171.24
9-30-00 Surrender Charge (50.00) $34.03725742 (1.469) 32.942 1,121.24
Cumulative Total Returns without/with chrgs. 28.60% A 12.12% C
Avg. Annual Total Returns without/with chrgs. 5.16% B 2.32% D
Oppenheimer VA Main Street Growth & Income
9-30-95 Purchase $1,000.00 $10.79898885 92.601 92.601 $1,000.00
9-30-96 Contract Fee (1.00) $15.12569625 (0.066) 92.535 1,399.66
9-30-96 GVP Charge (69.98) $15.12569625 (4.627) 87.908 1,329.68
9-30-97 Contract Fee (1.00) $20.47172742 (0.049) 87.860 1,798.64
9-30-97 GVP Charge (89.93) $20.47172742 (4.393) 83.467 1,708.70
9-30-98 Contract Fee (1.00) $18.08959144 (0.055) 83.411 1,508.88
9-30-98 GVP Charge 0.00 $18.08959144 0.000 83.411 1,508.88
9-30-99 Contract Fee (1.00) $23.03390334 (0.043) 83.368 1,920.29
9-30-99 GVP Charge (96.01) $23.03390334 (4.168) 79.199 1,824.27
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 79.160 2,021.70
9-30-00 GVP Charge (51.49) $25.53935132 (2.016) 77.144 1,970.21
9-30-00 Value before Surr Chg $25.53935132 0.000 77.144 1,970.21
9-30-00 Surrender Charge (50.00) $25.53935132 (1.958) 75.187 1,920.21
Cumulative Total Returns without/with chrgs. 136.50% A 92.02% C
Avg. Annual Total Returns without/with chrgs. 18.79% B 13.94% D
Templeton Developing Markets Equity
9-30-95 Purchase $1,000.00 $9.78962641 102.149 102.149 $1,000.00
9-30-96 Contract Fee (1.00) $10.63787502 (0.094) 102.055 1,085.65
9-30-96 GVP Charge (5.65) $10.63787502 (0.531) 101.524 1,080.00
9-30-97 Contract Fee (1.00) $13.26770432 (0.075) 101.449 1,345.99
9-30-97 GVP Charge (67.30) $13.26770432 (5.072) 96.376 1,278.69
9-30-98 Contract Fee (1.00) $6.47212973 (0.155) 96.222 622.76
9-30-98 GVP Charge 0.00 $6.47212973 0.000 96.222 622.76
9-30-99 Contract Fee (1.00) $9.30449684 (0.107) 96.114 894.29
9-30-99 GVP Charge (44.71) $9.30449684 (4.806) 91.309 849.58
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 91.193 789.70
9-30-00 GVP Charge 0.00 $8.65965003 0.000 91.193 789.70
9-30-00 Value before Surr Chg $8.65965003 0.000 91.193 789.70
9-30-00 Surrender Charge (50.00) $8.65965003 (5.774) 85.419 739.70
Cumulative Total Returns without/with chrgs. -11.54% A -26.03% C
Avg. Annual Total Returns without/with chrgs. -2.42% B -5.85% D
<PAGE>
Templeton Global Growth
9-30-95 Purchase $1,000.00 $11.26417158 88.777 88.777 $1,000.00
9-30-96 Contract Fee (1.00) $12.34252542 (0.081) 88.696 1,094.73
9-30-96 GVP Charge (14.73) $12.34252542 (1.194) 87.502 1,080.00
9-30-97 Contract Fee (1.00) $15.98792313 (0.063) 87.440 1,397.98
9-30-97 GVP Charge (69.90) $15.98792313 (4.372) 83.068 1,328.08
9-30-98 Contract Fee (1.00) $13.69363439 (0.073) 82.995 1,136.50
9-30-98 GVP Charge 0.00 $13.69363439 0.000 82.995 1,136.50
9-30-99 Contract Fee (1.00) $16.88037613 (0.059) 82.936 1,399.98
9-30-99 GVP Charge (70.00) $16.88037613 (4.147) 78.789 1,329.98
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 78.732 1,397.38
9-30-00 GVP Charge 0.00 $17.74845416 0.000 78.732 1,397.38
9-30-00 Value before Surr Chg $17.74845416 0.000 78.732 1,397.38
9-30-00 Surrender Charge (50.00) $17.74845416 (2.817) 75.915 1,347.38
Cumulative Total Returns without/with chrgs. 57.57% A 34.74% C
Avg. Annual Total Returns without/with chrgs. 9.52% B 6.14% D
Templeton Pacific Growth
9-30-95 Purchase $1,000.00 $13.26981832 75.359 75.359 $1,000.00
9-30-96 Contract Fee (1.00) $14.46684432 (0.069) 75.290 1,089.21
9-30-96 GVP Charge (9.21) $14.46684432 (0.636) 74.653 1,080.00
9-30-97 Contract Fee (1.00) $12.82916474 (0.078) 74.576 956.74
9-30-97 GVP Charge 0.00 $12.82916474 0.000 74.576 956.74
9-30-98 Contract Fee (1.00) $5.81006810 (0.172) 74.403 432.29
9-30-98 GVP Charge 0.00 $5.81006810 0.000 74.403 432.29
9-30-99 Contract Fee (1.00) $9.39481370 (0.106) 74.297 698.01
9-30-99 GVP Charge (34.90) $9.39481370 (3.715) 70.582 663.11
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 70.458 568.58
9-30-00 GVP Charge 0.00 $8.06975054 0.000 70.458 568.58
9-30-00 Value before Surr Chg $8.06975054 0.000 70.458 568.58
9-30-00 Surrender Charge (50.00) $8.06975054 (6.196) 64.262 518.58
Cumulative Total Returns without/with chrgs. -39.19% A -48.14% C
Avg. Annual Total Returns without/with chrgs. -9.47% B -12.31% D
Van Kampen LIT Enterprise
9-30-95 Purchase $1,000.00 $19.22549811 52.014 52.014 $1,000.00
9-30-96 Contract Fee (1.00) $23.23840752 (0.043) 51.971 1,207.73
9-30-96 GVP Charge (60.39) $23.23840752 (2.599) 49.373 1,147.34
9-30-97 Contract Fee (1.00) $31.55933197 (0.032) 49.341 1,557.17
9-30-97 GVP Charge (77.86) $31.55933197 (2.467) 46.874 1,479.31
9-30-98 Contract Fee (1.00) $29.62966216 (0.034) 46.840 1,387.86
9-30-98 GVP Charge 0.00 $29.62966216 0.000 46.840 1,387.86
9-30-99 Contract Fee (1.00) $37.04422330 (0.027) 46.813 1,734.16
9-30-99 GVP Charge (86.71) $37.04422330 (2.341) 44.473 1,647.45
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 44.449 1,866.19
9-30-00 GVP Charge (86.94) $41.98527185 (2.071) 42.378 1,779.25
9-30-00 Value before Surr Chg $41.98527185 0.000 42.378 1,779.25
9-30-00 Surrender Charge (50.00) $41.98527185 (1.191) 41.187 1,729.25
Cumulative Total Returns without/with chrgs. 118.38% A 72.92% C
Avg. Annual Total Returns without/with chrgs. 16.91% B 11.58% D
<FN>
<PAGE>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/5 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/5 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Traditional
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1990
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
Alger American Growth
<S> <C> <C> <C> <C> <C> <C>
9-30-90 Purchase $1,000.00 $11.22922866 89.053 89.053 $1,000.00
9-30-91 Contract Fee (1.00) $16.11655644 (0.062) 88.991 1,434.23
9-30-91 GVP Charge (28.68) $16.11655644 (1.780) 87.211 1,405.55
9-30-92 Contract Fee (1.00) $16.94872265 (0.059) 87.152 1,477.12
9-30-92 GVP Charge 0.00 $16.94872265 0.000 87.152 1,477.12
9-30-93 Contract Fee (1.00) $22.05668605 (0.045) 87.107 1,921.29
9-30-93 GVP Charge (38.43) $22.05668605 (1.742) 85.365 1,882.87
9-30-94 Contract Fee (1.00) $22.64235759 (0.044) 85.321 1,931.86
9-30-94 GVP Charge 0.00 $22.64235759 0.000 85.321 1,931.86
9-30-95 Contract Fee (1.00) $32.93332544 (0.030) 85.290 2,808.90
9-30-95 GVP Charge (56.18) $32.93332544 (1.706) 83.585 2,752.72
9-30-96 Contract Fee (1.00) $33.80389789 (0.030) 83.555 2,824.49
9-30-96 GVP Charge 0.00 $33.80389789 0.000 83.555 2,824.49
9-30-97 Contract Fee (1.00) $44.90678511 (0.022) 83.533 3,751.19
9-30-97 GVP Charge (75.02) $44.90678511 (1.671) 81.862 3,676.16
9-30-98 Contract Fee (1.00) $50.22891278 (0.020) 81.842 4,110.84
9-30-98 GVP Charge (82.22) $50.22891278 (1.637) 80.205 4,028.63
9-30-99 Contract Fee (1.00) $68.50552315 (0.015) 80.191 5,493.51
9-30-99 GVP Charge (109.87) $68.50552315 (1.604) 78.587 5,383.64
9-30-00 Contract Fee (1.00) $82.01823051 (0.012) 78.575 6,444.56
9-30-00 GVP Charge (128.89) $82.01823051 (1.571) 77.003 6,315.67
9-30-00 Value before Surr Chg $82.01823051 0.000 77.003 6,315.67
9-30-00 Surrender Charge $82.01823051 0.000 77.003 6,315.67
Cumulative Total Returns without/with chrgs. 630.40% A 531.57%
Avg. Annual Total Returns without/with chrgs. 22.00% B 20.24%
Alger American Small Capitalization
9-30-90 Purchase $1,000.00 $14.24524364 70.199 70.199 $1,000.00
9-30-91 Contract Fee (1.00) $21.99949958 (0.045) 70.153 1,543.34
<PAGE>
9-30-91 GVP Charge (30.87) $21.99949958 (1.403) 68.750 1,512.47
9-30-92 Contract Fee (1.00) $22.26841949 (0.045) 68.705 1,529.96
9-30-92 GVP Charge 0.00 $22.26841949 0.000 68.705 1,529.96
9-30-93 Contract Fee (1.00) $28.93902252 (0.035) 68.671 1,987.27
9-30-93 GVP Charge (39.75) $28.93902252 (1.373) 67.297 1,947.52
9-30-94 Contract Fee (1.00) $27.09490645 (0.037) 67.261 1,822.42
9-30-94 GVP Charge 0.00 $27.09490645 0.000 67.261 1,822.42
9-30-95 Contract Fee (1.00) $43.10874488 (0.023) 67.237 2,898.52
9-30-95 GVP Charge (57.97) $43.10874488 (1.345) 65.893 2,840.55
9-30-96 Contract Fee (1.00) $42.23941303 (0.024) 65.869 2,782.27
9-30-96 GVP Charge 0.00 $42.23941303 0.000 65.869 2,782.27
9-30-97 Contract Fee (1.00) $47.64034102 (0.021) 65.848 3,137.02
9-30-97 GVP Charge (62.74) $47.64034102 (1.317) 64.531 3,074.28
9-30-98 Contract Fee (1.00) $40.77903298 (0.025) 64.506 2,630.51
9-30-98 GVP Charge 0.00 $40.77903298 0.000 64.506 2,630.51
9-30-99 Contract Fee (1.00) $54.80292550 (0.018) 64.488 3,534.14
9-30-99 GVP Charge (70.68) $54.80292550 (1.290) 63.198 3,463.46
9-30-00 Contract Fee (1.00) $64.23126592 (0.016) 63.183 4,058.32
9-30-00 GVP Charge (81.17) $64.23126592 (1.264) 61.919 3,977.15
9-30-00 Value before Surr Chg $64.23126592 0.000 61.919 3,977.15
9-30-00 Surrender Charge $64.23126592 0.000 61.919 3,977.15
Cumulative Total Returns without/with chrgs. 350.90% A 297.72%
Avg. Annual Total Returns without/with chrgs. 16.25% B 14.80%
Franklin Growth & Income
9-30-90 Purchase $1,000.00 $9.13360170 109.486 109.486 $1,000.00
9-30-91 Contract Fee (1.00) $11.11195742 (0.090) 109.396 1,215.60
9-30-91 GVP Charge (24.31) $11.11195742 (2.188) 107.208 1,191.29
9-30-92 Contract Fee (1.00) $11.77744838 (0.085) 107.123 1,261.64
9-30-92 GVP Charge 0.00 $11.77744838 0.000 107.123 1,261.64
9-30-93 Contract Fee (1.00) $12.97976516 (0.077) 107.046 1,389.43
9-30-93 GVP Charge (20.56) $12.97976516 (1.584) 105.462 1,368.87
9-30-94 Contract Fee (1.00) $13.29603772 (0.075) 105.387 1,401.23
9-30-94 GVP Charge 0.00 $13.29603772 0.000 105.387 1,401.23
9-30-95 Contract Fee (1.00) $16.05922753 (0.062) 105.325 1,691.43
9-30-95 GVP Charge (33.83) $16.05922753 (2.106) 103.218 1,657.61
9-30-96 Contract Fee (1.00) $17.98508554 (0.056) 103.163 1,855.39
9-30-96 GVP Charge (37.11) $17.98508554 (2.063) 101.099 1,818.28
9-30-97 Contract Fee (1.00) $23.52162195 (0.043) 101.057 2,377.02
9-30-97 GVP Charge (47.54) $23.52162195 (2.021) 99.036 2,329.48
9-30-98 Contract Fee (1.00) $23.89302947 (0.042) 98.994 2,365.26
9-30-98 GVP Charge 0.00 $23.89302947 0.000 98.994 2,365.26
9-30-99 Contract Fee (1.00) $25.63493141 (0.039) 98.955 2,536.70
9-30-99 GVP Charge 0.00 $25.63493141 0.000 98.955 2,536.70
9-30-00 Contract Fee (1.00) $28.33495439 (0.035) 98.920 2,802.88
9-30-00 GVP Charge (50.56) $28.33495439 (1.784) 97.135 2,752.32
9-30-00 Value before Surr Chg $28.33495439 0.000 97.135 2,752.32
9-30-00 Surrender Charge $28.33495439 0.000 97.135 2,752.32
Cumulative Total Returns without/with chrgs. 210.23% A 175.23%
Avg. Annual Total Returns without/with chrgs. 11.99% B 10.65%
<PAGE>
Franklin U.S. Government
9-30-90 Purchase $1,000.00 $10.72844292 93.210 93.210 $1,000.00
9-30-91 Contract Fee (1.00) $12.17610748 (0.082) 93.128 1,133.94
9-30-91 GVP Charge (22.68) $12.17610748 (1.863) 91.265 1,111.26
9-30-92 Contract Fee (1.00) $13.53505050 (0.074) 91.192 1,234.28
9-30-92 GVP Charge (24.69) $13.53505050 (1.824) 89.368 1,209.60
9-30-93 Contract Fee (1.00) $14.66263265 (0.068) 89.300 1,309.37
9-30-93 GVP Charge 0.00 $14.66263265 0.000 89.300 1,309.37
9-30-94 Contract Fee (1.00) $13.69704372 (0.073) 89.227 1,222.14
9-30-94 GVP Charge 0.00 $13.69704372 0.000 89.227 1,222.14
9-30-95 Contract Fee (1.00) $15.61014100 (0.064) 89.162 1,391.84
9-30-95 GVP Charge (27.84) $15.61014100 (1.783) 87.379 1,364.00
9-30-96 Contract Fee (1.00) $16.09137685 (0.062) 87.317 1,405.05
9-30-96 GVP Charge 0.00 $16.09137685 0.000 87.317 1,405.05
9-30-97 Contract Fee (1.00) $17.43448960 (0.057) 87.260 1,521.33
9-30-97 GVP Charge 0.00 $17.43448960 0.000 87.260 1,521.33
9-30-98 Contract Fee (1.00) $18.87356457 (0.053) 87.207 1,645.90
9-30-98 GVP Charge 0.00 $18.87356457 0.000 87.207 1,645.90
9-30-99 Contract Fee (1.00) $18.45605077 (0.054) 87.153 1,608.49
9-30-99 GVP Charge 0.00 $18.45605077 0.000 87.153 1,608.49
9-30-00 Contract Fee (1.00) $19.37434296 (0.052) 87.101 1,687.52
9-30-00 GVP Charge 0.00 $19.37434296 0.000 87.101 1,687.52
9-30-00 Value before Surr Chg $19.37434296 0.000 87.101 1,687.52
9-30-00 Surrender Charge $19.37434296 0.000 87.101 1,687.52
Cumulative Total Returns without/with chrgs. 80.59% A 68.75%
Avg. Annual Total Returns without/with chrgs. 6.09% B 5.37%
Oppenheimer VA High Income
9-30-90 Purchase $1,000.00 $13.43059468 74.457 74.457 $1,000.00
9-30-91 Contract Fee (1.00) $16.99884857 (0.059) 74.398 1,264.68
9-30-91 GVP Charge (25.29) $16.99884857 (1.488) 72.910 1,239.39
9-30-92 Contract Fee (1.00) $20.39281420 (0.049) 72.861 1,485.84
9-30-92 GVP Charge (29.72) $20.39281420 (1.457) 71.404 1,456.12
9-30-93 Contract Fee (1.00) $24.22792395 (0.041) 71.363 1,728.97
9-30-93 GVP Charge (34.58) $24.22792395 (1.427) 69.935 1,694.39
9-30-94 Contract Fee (1.00) $25.06645311 (0.040) 69.895 1,752.03
9-30-94 GVP Charge 0.00 $25.06645311 0.000 69.895 1,752.03
9-30-95 Contract Fee (1.00) $27.74519113 (0.036) 69.859 1,938.26
9-30-95 GVP Charge (37.31) $27.74519113 (1.345) 68.515 1,900.95
9-30-96 Contract Fee (1.00) $31.61372047 (0.032) 68.483 2,165.00
9-30-96 GVP Charge (43.30) $31.61372047 (1.370) 67.113 2,121.70
9-30-97 Contract Fee (1.00) $35.79699916 (0.028) 67.085 2,401.46
9-30-97 GVP Charge (48.03) $35.79699916 (1.342) 65.744 2,353.43
9-30-98 Contract Fee (1.00) $34.84881603 (0.029) 65.715 2,290.09
9-30-98 GVP Charge 0.00 $34.84881603 0.000 65.715 2,290.09
9-30-99 Contract Fee (1.00) $36.32193446 (0.028) 65.687 2,385.90
9-30-99 GVP Charge 0.00 $36.32193446 0.000 65.687 2,385.90
9-30-00 Contract Fee (1.00) $36.58358037 (0.027) 65.660 2,402.08
9-30-00 GVP Charge 0.00 $36.58358037 0.000 65.660 2,402.08
9-30-00 Value before Surr Chg $36.58358037 0.000 65.660 2,402.08
9-30-00 Surrender Charge $36.58358037 0.000 65.660 2,402.08
<PAGE>
Cumulative Total Returns without/with chrgs. 172.39% A 140.21%
Avg. Annual Total Returns without/with chrgs. 10.54% B 9.16%
Van Kampen LIT Enterprise
9-30-90 Purchase $1,000.00 $10.08782359 99.129 99.129 $1,000.00
9-30-91 Contract Fee (1.00) $13.14775153 (0.076) 99.053 1,302.33
9-30-91 GVP Charge (26.05) $13.14775153 (1.981) 97.072 1,276.28
9-30-92 Contract Fee (1.00) $14.54925236 (0.069) 97.004 1,411.33
9-30-92 GVP Charge (26.56) $14.54925236 (1.826) 95.178 1,384.77
9-30-93 Contract Fee (1.00) $16.56834924 (0.060) 95.117 1,575.94
9-30-93 GVP Charge (31.52) $16.56834924 (1.902) 93.215 1,544.42
9-30-94 Contract Fee (1.00) $16.22515821 (0.062) 93.153 1,511.43
9-30-94 GVP Charge 0.00 $16.22515821 0.000 93.153 1,511.43
9-30-95 Contract Fee (1.00) $20.16117626 (0.050) 93.104 1,877.08
9-30-95 GVP Charge (37.54) $20.16117626 (1.862) 91.242 1,839.54
9-30-96 Contract Fee (1.00) $24.49205586 (0.041) 91.201 2,233.70
9-30-96 GVP Charge (44.67) $24.49205586 (1.824) 89.377 2,189.03
9-30-97 Contract Fee (1.00) $33.42884148 (0.030) 89.347 2,986.77
9-30-97 GVP Charge (59.74) $33.42884148 (1.787) 87.560 2,927.03
9-30-98 Contract Fee (1.00) $31.54240982 (0.032) 87.528 2,760.86
9-30-98 GVP Charge 0.00 $31.54240982 0.000 87.528 2,760.86
9-30-99 Contract Fee (1.00) $39.63337873 (0.025) 87.503 3,468.05
9-30-99 GVP Charge (69.36) $39.63337873 (1.750) 85.753 3,398.69
9-30-00 Contract Fee (1.00) $45.14495752 (0.022) 85.731 3,870.32
9-30-00 GVP Charge (77.41) $45.14495752 (1.715) 84.016 3,792.91
9-30-00 Value before Surr Chg $45.14495752 0.000 84.016 3,792.91
9-30-00 Surrender Charge $45.14495752 0.000 84.016 3,792.91
Cumulative Total Returns without/with chrgs. 347.52% A 279.29%
Avg. Annual Total Returns without/with chrgs. 16.17% B 14.26%
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/10 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/10 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Enhanced - 3% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1990
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
<PAGE>
Alger American Growth
<S> <C> <C> <C> <C> <C> <C>
9-30-90 Purchase $1,000.00 $11.13318440 89.822 89.822 $1,000.00
9-30-91 Contract Fee (1.00) $15.89857334 (0.063) 89.759 1,427.03
9-30-91 GVP Charge (42.81) $15.89857334 (2.693) 87.066 1,384.22
9-30-92 Contract Fee (1.00) $16.63585970 (0.060) 87.006 1,447.42
9-30-92 GVP Charge 0.00 $16.63585970 0.000 87.006 1,447.42
9-30-93 Contract Fee (1.00) $21.54154555 (0.046) 86.959 1,873.24
9-30-93 GVP Charge (56.20) $21.54154555 (2.609) 84.351 1,817.04
9-30-94 Contract Fee (1.00) $22.00323646 (0.045) 84.305 1,854.99
9-30-94 GVP Charge 0.00 $22.00323646 0.000 84.305 1,854.99
9-30-95 Contract Fee (1.00) $31.84452530 (0.031) 84.274 2,683.66
9-30-95 GVP Charge (80.51) $31.84452530 (2.528) 81.746 2,603.15
9-30-96 Contract Fee (1.00) $32.52238577 (0.031) 81.715 2,657.56
9-30-96 GVP Charge 0.00 $32.52238577 0.000 81.715 2,657.56
9-30-97 Contract Fee (1.00) $42.98885768 (0.023) 81.692 3,511.82
9-30-97 GVP Charge (105.35) $42.98885768 (2.451) 79.241 3,406.47
9-30-98 Contract Fee (1.00) $47.84384121 (0.021) 79.220 3,790.18
9-30-98 GVP Charge (111.20) $47.84384121 (2.324) 76.896 3,678.99
9-30-99 Contract Fee (1.00) $64.92712461 (0.015) 76.880 4,991.62
9-30-99 GVP Charge (149.75) $64.92712461 (2.306) 74.574 4,841.87
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 74.561 5,767.01
9-30-00 GVP Charge (173.01) $77.34625720 (2.237) 72.324 5,594.00
9-30-00 Value before Surr Chg $77.34625720 0.000 72.324 5,594.00
9-30-00 Surrender Charge $77.34625720 0.000 72.324 5,594.00
Cumulative Total Returns without/with chrgs. 594.74% A 459.40%
Avg. Annual Total Returns without/with chrgs. 21.39% B 18.79%
Alger American Small Capitalization
9-30-90 Purchase $1,000.00 $14.10232856 70.910 70.910 $1,000.00
9-30-91 Contract Fee (1.00) $21.66956403 (0.046) 70.864 1,535.59
9-30-91 GVP Charge (46.07) $21.66956403 (2.126) 68.738 1,489.53
9-30-92 Contract Fee (1.00) $21.82474310 (0.046) 68.692 1,499.19
9-30-92 GVP Charge 0.00 $21.82474310 0.000 68.692 1,499.19
9-30-93 Contract Fee (1.00) $28.22096929 (0.035) 68.657 1,937.57
9-30-93 GVP Charge (58.13) $28.22096929 (2.060) 66.597 1,879.44
9-30-94 Contract Fee (1.00) $26.29081489 (0.038) 66.559 1,749.90
9-30-94 GVP Charge 0.00 $26.29081489 0.000 66.559 1,749.90
9-30-95 Contract Fee (1.00) $41.62133849 (0.024) 66.535 2,769.28
9-30-95 GVP Charge (83.08) $41.62133849 (1.996) 64.539 2,686.20
9-30-96 Contract Fee (1.00) $40.57746958 (0.025) 64.514 2,617.83
9-30-96 GVP Charge 0.00 $40.57746958 0.000 64.514 2,617.83
9-30-97 Contract Fee (1.00) $45.53761406 (0.022) 64.493 2,936.84
9-30-97 GVP Charge (88.11) $45.53761406 (1.935) 62.558 2,848.73
9-30-98 Contract Fee (1.00) $38.78471958 (0.026) 62.532 2,425.28
9-30-98 GVP Charge 0.00 $38.78471958 0.000 62.532 2,425.28
9-30-99 Contract Fee (1.00) $51.86278040 (0.019) 62.513 3,242.08
9-30-99 GVP Charge (97.26) $51.86278040 (1.875) 60.637 3,144.82
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 60.621 3,666.47
9-30-00 GVP Charge (109.99) $60.48209966 (1.819) 58.802 3,556.48
9-30-00 Value before Surr Chg $60.48209966 0.000 58.802 3,556.48
<PAGE>
9-30-00 Surrender Charge $60.48209966 0.000 58.802 3,556.48
Cumulative Total Returns without/with chrgs. 328.88% A 255.65%
Avg. Annual Total Returns without/with chrgs. 15.67% B 13.53%
Franklin Growth & Income
9-30-90 Purchase $1,000.00 $9.06491491 110.315 110.315 $1,000.00
9-30-91 Contract Fee (1.00) $10.97308280 (0.091) 110.224 1,209.50
9-30-91 GVP Charge (36.29) $10.97308280 (3.307) 106.918 1,173.22
9-30-92 Contract Fee (1.00) $11.57208650 (0.086) 106.831 1,236.26
9-30-92 GVP Charge 0.00 $11.57208650 0.000 106.831 1,236.26
9-30-93 Contract Fee (1.00) $12.68982459 (0.079) 106.752 1,354.67
9-30-93 GVP Charge (19.51) $12.68982459 (1.537) 105.215 1,335.16
9-30-94 Contract Fee (1.00) $12.93419326 (0.077) 105.138 1,359.87
9-30-94 GVP Charge 0.00 $12.93419326 0.000 105.138 1,359.87
9-30-95 Contract Fee (1.00) $15.54447401 (0.064) 105.073 1,633.31
9-30-95 GVP Charge (49.00) $15.54447401 (3.152) 101.921 1,584.31
9-30-96 Contract Fee (1.00) $17.32129307 (0.058) 101.863 1,764.41
9-30-96 GVP Charge (52.93) $17.32129307 (3.056) 98.808 1,711.47
9-30-97 Contract Fee (1.00) $22.54049202 (0.044) 98.763 2,226.17
9-30-97 GVP Charge (66.79) $22.54049202 (2.963) 95.800 2,159.39
9-30-98 Contract Fee (1.00) $22.78220039 (0.044) 95.756 2,181.54
9-30-98 GVP Charge 0.00 $22.78220039 0.000 95.756 2,181.54
9-30-99 Contract Fee (1.00) $24.32119606 (0.041) 95.715 2,327.91
9-30-99 GVP Charge 0.00 $24.32119606 0.000 95.715 2,327.91
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 95.678 2,559.26
9-30-00 GVP Charge (45.12) $26.74875738 (1.687) 93.991 2,514.14
9-30-00 Value before Surr Chg $26.74875738 0.000 93.991 2,514.14
9-30-00 Surrender Charge $26.74875738 0.000 93.991 2,514.14
Cumulative Total Returns without/with chrgs. 195.08% A 151.41%
Avg. Annual Total Returns without/with chrgs. 11.43% B 9.66%
Franklin U.S. Government
9-30-90 Purchase $1,000.00 $10.64776256 93.916 93.916 $1,000.00
9-30-91 Contract Fee (1.00) $12.02393336 (0.083) 93.833 1,128.25
9-30-91 GVP Charge (33.85) $12.02393336 (2.815) 91.018 1,094.40
9-30-92 Contract Fee (1.00) $13.29904154 (0.075) 90.943 1,209.46
9-30-92 GVP Charge (27.51) $13.29904154 (2.068) 88.875 1,181.95
9-30-93 Contract Fee (1.00) $14.33510037 (0.070) 88.805 1,273.03
9-30-93 GVP Charge 0.00 $14.33510037 0.000 88.805 1,273.03
9-30-94 Contract Fee (1.00) $13.32428609 (0.075) 88.730 1,182.26
9-30-94 GVP Charge 0.00 $13.32428609 0.000 88.730 1,182.26
9-30-95 Contract Fee (1.00) $15.10978225 (0.066) 88.664 1,339.69
9-30-95 GVP Charge (40.19) $15.10978225 (2.660) 86.004 1,299.50
9-30-96 Contract Fee (1.00) $15.49747726 (0.065) 85.939 1,331.84
9-30-96 GVP Charge 0.00 $15.49747726 0.000 85.939 1,331.84
9-30-97 Contract Fee (1.00) $16.70726511 (0.060) 85.880 1,434.81
9-30-97 GVP Charge 0.00 $16.70726511 0.000 85.880 1,434.81
9-30-98 Contract Fee (1.00) $17.99609926 (0.056) 85.824 1,544.50
9-30-98 GVP Charge 0.00 $17.99609926 0.000 85.824 1,544.50
9-30-99 Contract Fee (1.00) $17.51021768 (0.057) 85.767 1,501.80
<PAGE>
9-30-99 GVP Charge 0.00 $17.51021768 0.000 85.767 1,501.80
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 85.712 1,567.65
9-30-00 GVP Charge 0.00 $18.28976296 0.000 85.712 1,567.65
9-30-00 Value before Surr Chg $18.28976296 0.000 85.712 1,567.65
9-30-00 Surrender Charge $18.28976296 0.000 85.712 1,567.65
Cumulative Total Returns without/with chrgs. 71.77% A 56.77%
Avg. Annual Total Returns without/with chrgs. 5.56% B 4.60%
Oppenheimer VA High Income
9-30-90 Purchase $1,000.00 $13.13724093 76.119 76.119 $1,000.00
9-30-91 Contract Fee (1.00) $16.54416495 (0.060) 76.059 1,258.33
9-30-91 GVP Charge (37.75) $16.54416495 (2.282) 73.777 1,220.58
9-30-92 Contract Fee (1.00) $19.74808024 (0.051) 73.727 1,455.96
9-30-92 GVP Charge (43.68) $19.74808024 (2.212) 71.515 1,412.28
9-30-93 Contract Fee (1.00) $23.34491218 (0.043) 71.472 1,668.51
9-30-93 GVP Charge (50.06) $23.34491218 (2.144) 69.328 1,618.45
9-30-94 Contract Fee (1.00) $24.03240597 (0.042) 69.286 1,665.11
9-30-94 GVP Charge 0.00 $24.03240597 0.000 69.286 1,665.11
9-30-95 Contract Fee (1.00) $26.46831895 (0.038) 69.248 1,832.89
9-30-95 GVP Charge (34.57) $26.46831895 (1.306) 67.943 1,798.32
9-30-96 Contract Fee (1.00) $30.00755906 (0.033) 67.909 2,037.79
9-30-96 GVP Charge (61.13) $30.00755906 (2.037) 65.872 1,976.66
9-30-97 Contract Fee (1.00) $33.80881947 (0.030) 65.842 2,226.05
9-30-97 GVP Charge (66.78) $33.80881947 (1.975) 63.867 2,159.27
9-30-98 Contract Fee (1.00) $32.74912758 (0.031) 63.837 2,090.59
9-30-98 GVP Charge 0.00 $32.74912758 0.000 63.837 2,090.59
9-30-99 Contract Fee (1.00) $33.96323093 (0.029) 63.807 2,167.09
9-30-99 GVP Charge 0.00 $33.96323093 0.000 63.807 2,167.09
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 63.778 2,170.82
9-30-00 GVP Charge 0.00 $34.03725742 0.000 63.778 2,170.82
9-30-00 Value before Surr Chg $34.03725742 0.000 63.778 2,170.82
9-30-00 Surrender Charge $34.03725742 0.000 63.778 2,170.82
Cumulative Total Returns without/with chrgs. 159.09% A 117.08%
Avg. Annual Total Returns without/with chrgs. 9.99% B 8.06%
Van Kampen LIT Enterprise
9-30-90 Purchase $1,000.00 $9.86366719 101.382 101.382 $1,000.00
9-30-91 Contract Fee (1.00) $12.79139096 (0.078) 101.304 1,295.82
9-30-91 GVP Charge (38.87) $12.79139096 (3.039) 98.265 1,256.94
9-30-92 Contract Fee (1.00) $14.08401082 (0.071) 98.194 1,382.96
9-30-92 GVP Charge (25.46) $14.08401082 (1.808) 96.386 1,357.50
9-30-93 Contract Fee (1.00) $15.95843383 (0.063) 96.323 1,537.17
9-30-93 GVP Charge (46.12) $15.95843383 (2.890) 93.434 1,491.05
9-30-94 Contract Fee (1.00) $15.54981838 (0.064) 93.369 1,451.87
9-30-94 GVP Charge 0.00 $15.54981838 0.000 93.369 1,451.87
9-30-95 Contract Fee (1.00) $19.22549811 (0.052) 93.317 1,794.07
9-30-95 GVP Charge (53.82) $19.22549811 (2.800) 90.518 1,740.25
9-30-96 Contract Fee (1.00) $23.23840752 (0.043) 90.475 2,102.49
9-30-96 GVP Charge (63.07) $23.23840752 (2.714) 87.760 2,039.41
9-30-97 Contract Fee (1.00) $31.55933197 (0.032) 87.729 2,768.66
<PAGE>
9-30-97 GVP Charge (83.06) $31.55933197 (2.632) 85.097 2,685.60
9-30-98 Contract Fee (1.00) $29.62966216 (0.034) 85.063 2,520.39
9-30-98 GVP Charge 0.00 $29.62966216 0.000 85.063 2,520.39
9-30-99 Contract Fee (1.00) $37.04422330 (0.027) 85.036 3,150.10
9-30-99 GVP Charge (94.50) $37.04422330 (2.551) 82.485 3,055.59
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 82.461 3,462.16
9-30-00 GVP Charge (103.86) $41.98527185 (2.474) 79.987 3,358.29
9-30-00 Value before Surr Chg $41.98527185 0.000 79.987 3,358.29
9-30-00 Surrender Charge $41.98527185 0.000 79.987 3,358.29
Cumulative Total Returns without/with chrgs. 325.66% A 235.83%
Avg. Annual Total Returns without/with chrgs. 15.59% B 12.88%
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/10 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/10 Years)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions - Enhanced - 5% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of September 30, 1990
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
Alger American Growth
<S> <C> <C> <C> <C> <C> <C>
9-30-90 Purchase $1,000.00 $11.13318440 89.822 89.822 $1,000.00
9-30-91 Contract Fee (1.00) $15.89857334 (0.063) 89.759 1,427.03
9-30-91 GVP Charge (71.35) $15.89857334 (4.488) 85.271 1,355.68
9-30-92 Contract Fee (1.00) $16.63585970 (0.060) 85.211 1,417.55
9-30-92 GVP Charge 0.00 $16.63585970 0.000 85.211 1,417.55
9-30-93 Contract Fee (1.00) $21.54154555 (0.046) 85.164 1,834.57
9-30-93 GVP Charge (91.73) $21.54154555 (4.258) 80.906 1,742.84
9-30-94 Contract Fee (1.00) $22.00323646 (0.045) 80.861 1,779.19
9-30-94 GVP Charge 0.00 $22.00323646 0.000 80.861 1,779.19
9-30-95 Contract Fee (1.00) $31.84452530 (0.031) 80.829 2,573.97
9-30-95 GVP Charge (128.70) $31.84452530 (4.041) 76.788 2,445.27
9-30-96 Contract Fee (1.00) $32.52238577 (0.031) 76.757 2,496.32
9-30-96 GVP Charge 0.00 $32.52238577 0.000 76.757 2,496.32
9-30-97 Contract Fee (1.00) $42.98885768 (0.023) 76.734 3,298.69
9-30-97 GVP Charge (164.93) $42.98885768 (3.837) 72.897 3,133.76
9-30-98 Contract Fee (1.00) $47.84384121 (0.021) 72.876 3,486.67
9-30-98 GVP Charge (102.21) $47.84384121 (2.136) 70.740 3,384.46
<PAGE>
9-30-99 Contract Fee (1.00) $64.92712461 (0.015) 70.724 4,591.93
9-30-99 GVP Charge (229.60) $64.92712461 (3.536) 67.188 4,362.33
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 67.175 5,195.75
9-30-00 GVP Charge (259.79) $77.34625720 (3.359) 63.816 4,935.96
9-30-00 Value before Surr Chg $77.34625720 0.000 63.816 4,935.96
9-30-00 Surrender Charge $77.34625720 0.000 63.816 4,935.96
Cumulative Total Returns without/with chrgs. 594.74% A 393.60%
Avg. Annual Total Returns without/with chrgs. 21.39% B 17.31%
Alger American Small Capitalization
9-30-90 Purchase $1,000.00 $14.10232856 70.910 70.910 $1,000.00
9-30-91 Contract Fee (1.00) $21.66956403 (0.046) 70.864 1,535.59
9-30-91 GVP Charge (76.78) $21.66956403 (3.543) 67.321 1,458.82
9-30-92 Contract Fee (1.00) $21.82474310 (0.046) 67.275 1,468.26
9-30-92 GVP Charge 0.00 $21.82474310 0.000 67.275 1,468.26
9-30-93 Contract Fee (1.00) $28.22096929 (0.035) 67.240 1,897.57
9-30-93 GVP Charge (94.88) $28.22096929 (3.362) 63.878 1,802.69
9-30-94 Contract Fee (1.00) $26.29081489 (0.038) 63.840 1,678.40
9-30-94 GVP Charge 0.00 $26.29081489 0.000 63.840 1,678.40
9-30-95 Contract Fee (1.00) $41.62133849 (0.024) 63.816 2,656.09
9-30-95 GVP Charge (132.80) $41.62133849 (3.191) 60.625 2,523.29
9-30-96 Contract Fee (1.00) $40.57746958 (0.025) 60.600 2,459.00
9-30-96 GVP Charge 0.00 $40.57746958 0.000 60.600 2,459.00
9-30-97 Contract Fee (1.00) $45.53761406 (0.022) 60.578 2,758.59
9-30-97 GVP Charge (102.87) $45.53761406 (2.259) 58.319 2,655.72
9-30-98 Contract Fee (1.00) $38.78471958 (0.026) 58.294 2,260.90
9-30-98 GVP Charge 0.00 $38.78471958 0.000 58.294 2,260.90
9-30-99 Contract Fee (1.00) $51.86278040 (0.019) 58.274 3,022.27
9-30-99 GVP Charge (151.11) $51.86278040 (2.914) 55.361 2,871.15
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 55.344 3,347.32
9-30-00 GVP Charge (167.37) $60.48209966 (2.767) 52.577 3,179.96
9-30-00 Value before Surr Chg $60.48209966 0.000 52.577 3,179.96
9-30-00 Surrender Charge $60.48209966 0.000 52.577 3,179.96
Cumulative Total Returns without/with chrgs. 328.88% A 218.00%
Avg. Annual Total Returns without/with chrgs. 15.67% B 12.26%
Franklin Growth & Income
9-30-90 Purchase $1,000.00 $9.06491491 110.315 110.315 $1,000.00
9-30-91 Contract Fee (1.00) $10.97308280 (0.091) 110.224 1,209.50
9-30-91 GVP Charge (60.48) $10.97308280 (5.511) 104.713 1,149.03
9-30-92 Contract Fee (1.00) $11.57208650 (0.086) 104.627 1,210.75
9-30-92 GVP Charge 0.00 $11.57208650 0.000 104.627 1,210.75
9-30-93 Contract Fee (1.00) $12.68982459 (0.079) 104.548 1,326.69
9-30-93 GVP Charge (19.09) $12.68982459 (1.504) 103.044 1,307.61
9-30-94 Contract Fee (1.00) $12.93419326 (0.077) 102.967 1,331.79
9-30-94 GVP Charge 0.00 $12.93419326 0.000 102.967 1,331.79
9-30-95 Contract Fee (1.00) $15.54447401 (0.064) 102.902 1,599.56
9-30-95 GVP Charge (79.98) $15.54447401 (5.145) 97.757 1,519.58
9-30-96 Contract Fee (1.00) $17.32129307 (0.058) 97.699 1,692.28
9-30-96 GVP Charge (51.13) $17.32129307 (2.952) 94.748 1,641.15
<PAGE>
9-30-97 Contract Fee (1.00) $22.54049202 (0.044) 94.703 2,134.66
9-30-97 GVP Charge (106.73) $22.54049202 (4.735) 89.968 2,027.92
9-30-98 Contract Fee (1.00) $22.78220039 (0.044) 89.924 2,048.67
9-30-98 GVP Charge 0.00 $22.78220039 0.000 89.924 2,048.67
9-30-99 Contract Fee (1.00) $24.32119606 (0.041) 89.883 2,186.06
9-30-99 GVP Charge 0.00 $24.32119606 0.000 89.883 2,186.06
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 89.846 2,403.26
9-30-00 GVP Charge (42.31) $26.74875738 (1.582) 88.264 2,360.95
9-30-00 Value before Surr Chg $26.74875738 0.000 88.264 2,360.95
9-30-00 Surrender Charge $26.74875738 0.000 88.264 2,360.95
Cumulative Total Returns without/with chrgs. 195.08% A 136.09%
Avg. Annual Total Returns without/with chrgs. 11.43% B 8.97%
Franklin U.S. Government
9-30-90 Purchase $1,000.00 $10.64776256 93.916 93.916 $1,000.00
9-30-91 Contract Fee (1.00) $12.02393336 (0.083) 93.833 1,128.25
9-30-91 GVP Charge (48.25) $12.02393336 (4.012) 89.821 1,080.00
9-30-92 Contract Fee (1.00) $13.29904154 (0.075) 89.746 1,193.53
9-30-92 GVP Charge (27.13) $13.29904154 (2.040) 87.706 1,166.40
9-30-93 Contract Fee (1.00) $14.33510037 (0.070) 87.636 1,256.27
9-30-93 GVP Charge 0.00 $14.33510037 0.000 87.636 1,256.27
9-30-94 Contract Fee (1.00) $13.32428609 (0.075) 87.561 1,166.68
9-30-94 GVP Charge 0.00 $13.32428609 0.000 87.561 1,166.68
9-30-95 Contract Fee (1.00) $15.10978225 (0.066) 87.495 1,322.02
9-30-95 GVP Charge (62.00) $15.10978225 (4.104) 83.391 1,260.02
9-30-96 Contract Fee (1.00) $15.49747726 (0.065) 83.326 1,291.35
9-30-96 GVP Charge 0.00 $15.49747726 0.000 83.326 1,291.35
9-30-97 Contract Fee (1.00) $16.70726511 (0.060) 83.267 1,391.16
9-30-97 GVP Charge 0.00 $16.70726511 0.000 83.267 1,391.16
9-30-98 Contract Fee (1.00) $17.99609926 (0.056) 83.211 1,497.47
9-30-98 GVP Charge 0.00 $17.99609926 0.000 83.211 1,497.47
9-30-99 Contract Fee (1.00) $17.51021768 (0.057) 83.154 1,456.04
9-30-99 GVP Charge 0.00 $17.51021768 0.000 83.154 1,456.04
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 83.099 1,519.87
9-30-00 GVP Charge 0.00 $18.28976296 0.000 83.099 1,519.87
9-30-00 Value before Surr Chg $18.28976296 0.000 83.099 1,519.87
9-30-00 Surrender Charge $18.28976296 0.000 83.099 1,519.87
Cumulative Total Returns without/with chrgs. 71.77% A 51.99%
Avg. Annual Total Returns without/with chrgs. 5.56% B 4.28%
Oppenheimer VA High Income
9-30-90 Purchase $1,000.00 $13.13724093 76.119 76.119 $1,000.00
9-30-91 Contract Fee (1.00) $16.54416495 (0.060) 76.059 1,258.33
9-30-91 GVP Charge (62.92) $16.54416495 (3.803) 72.256 1,195.42
9-30-92 Contract Fee (1.00) $19.74808024 (0.051) 72.205 1,425.92
9-30-92 GVP Charge (71.30) $19.74808024 (3.610) 68.595 1,354.62
9-30-93 Contract Fee (1.00) $23.34491218 (0.043) 68.552 1,600.35
9-30-93 GVP Charge (80.02) $23.34491218 (3.428) 65.125 1,520.33
9-30-94 Contract Fee (1.00) $24.03240597 (0.042) 65.083 1,564.10
9-30-94 GVP Charge 0.00 $24.03240597 0.000 65.083 1,564.10
<PAGE>
9-30-95 Contract Fee (1.00) $26.46831895 (0.038) 65.045 1,721.64
9-30-95 GVP Charge (32.41) $26.46831895 (1.224) 63.821 1,689.23
9-30-96 Contract Fee (1.00) $30.00755906 (0.033) 63.788 1,914.11
9-30-96 GVP Charge (89.74) $30.00755906 (2.991) 60.797 1,824.37
9-30-97 Contract Fee (1.00) $33.80881947 (0.030) 60.767 2,054.48
9-30-97 GVP Charge (84.16) $33.80881947 (2.489) 58.278 1,970.32
9-30-98 Contract Fee (1.00) $32.74912758 (0.031) 58.248 1,907.56
9-30-98 GVP Charge 0.00 $32.74912758 0.000 58.248 1,907.56
9-30-99 Contract Fee (1.00) $33.96323093 (0.029) 58.218 1,977.28
9-30-99 GVP Charge 0.00 $33.96323093 0.000 58.218 1,977.28
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 58.189 1,980.59
9-30-00 GVP Charge 0.00 $34.03725742 0.000 58.189 1,980.59
9-30-00 Value before Surr Chg $34.03725742 0.000 58.189 1,980.59
9-30-00 Surrender Charge $34.03725742 0.000 58.189 1,980.59
Cumulative Total Returns without/with chrgs. 159.09% A 98.06%
Avg. Annual Total Returns without/with chrgs. 9.99% B 7.07%
Van Kampen LIT Enterprise
9-30-90 Purchase $1,000.00 $9.86366719 101.382 101.382 $1,000.00
9-30-91 Contract Fee (1.00) $12.79139096 (0.078) 101.304 1,295.82
9-30-91 GVP Charge (64.79) $12.79139096 (5.065) 96.239 1,231.03
9-30-92 Contract Fee (1.00) $14.08401082 (0.071) 96.168 1,354.43
9-30-92 GVP Charge (24.92) $14.08401082 (1.769) 94.399 1,329.51
9-30-93 Contract Fee (1.00) $15.95843383 (0.063) 94.336 1,505.45
9-30-93 GVP Charge (69.58) $15.95843383 (4.360) 89.976 1,435.87
9-30-94 Contract Fee (1.00) $15.54981838 (0.064) 89.911 1,398.11
9-30-94 GVP Charge 0.00 $15.54981838 0.000 89.911 1,398.11
9-30-95 Contract Fee (1.00) $19.22549811 (0.052) 89.859 1,727.59
9-30-95 GVP Charge (86.38) $19.22549811 (4.493) 85.366 1,641.21
9-30-96 Contract Fee (1.00) $23.23840752 (0.043) 85.323 1,982.78
9-30-96 GVP Charge (99.14) $23.23840752 (4.266) 81.057 1,883.64
9-30-97 Contract Fee (1.00) $31.55933197 (0.032) 81.026 2,557.11
9-30-97 GVP Charge (127.86) $31.55933197 (4.051) 76.974 2,429.26
9-30-98 Contract Fee (1.00) $29.62966216 (0.034) 76.940 2,279.72
9-30-98 GVP Charge 0.00 $29.62966216 0.000 76.940 2,279.72
9-30-99 Contract Fee (1.00) $37.04422330 (0.027) 76.913 2,849.20
9-30-99 GVP Charge (142.46) $37.04422330 (3.846) 73.068 2,706.74
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 73.044 3,066.77
9-30-00 GVP Charge (143.49) $41.98527185 (3.418) 69.626 2,923.28
9-30-00 Value before Surr Chg $41.98527185 0.000 69.626 2,923.28
9-30-00 Surrender Charge $41.98527185 0.000 69.626 2,923.28
Cumulative Total Returns without/with chrgs. 325.66% A 192.33%
Avg. Annual Total Returns without/with chrgs. 15.59% B 11.32%
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/10 Years)]-1 C = (Accumulated Value as of September 30,
2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/10 Years)]-1
</FN>
<PAGE>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Traditional
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of Sub-Account Inception
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.78114401 (0.085) 99.915 1,177.11
5-5-94 GVP Charge (23.54) $11.78114401 (1.998) 97.917 1,153.57
5-5-95 Contract Fee (1.00) $13.12283075 (0.076) 97.841 1,283.95
5-5-95 GVP Charge (25.68) $13.12283075 (1.957) 95.884 1,258.27
5-5-96 Contract Fee (1.00) $17.74096224 (0.056) 95.827 1,700.07
5-5-96 GVP Charge (34.00) $17.74096224 (1.917) 93.911 1,666.07
5-5-97 Contract Fee (1.00) $18.58103507 (0.054) 93.857 1,743.96
5-5-97 GVP Charge 0.00 $18.58103507 0.000 93.857 1,743.96
5-5-98 Contract Fee (1.00) $23.43239855 (0.043) 93.814 2,198.30
5-5-98 GVP Charge (43.97) $23.43239855 (1.876) 91.938 2,154.33
5-5-99 Contract Fee (1.00) $24.95172404 (0.040) 91.898 2,293.01
5-5-99 GVP Charge 0.00 $24.95172404 0.000 91.898 2,293.01
5-5-00 Contract Fee (1.00) $35.50320043 (0.028) 91.870 3,261.67
5-5-00 GVP Charge (65.23) $35.50320043 (1.837) 90.032 3,196.44
9-30-00 Value before Surr Chg $39.18687629 0.000 90.032 3,528.09
9-30-00 Contract Fee (1.00) $39.18687629 (0.026) 90.007 3,527.09
9-30-00 GVP Charge (28.60) $39.18687629 (0.730) 89.277 3,498.49
9-30-00 Surrender Charge $39.18687629 0.000 89.277 3,498.49
Cumulative Total Returns without/with chgs. 291.87% A 249.85% C
Avg. Annual Total Returns without/with chgs. 20.24% B 18.41% D
AIM VI Growth
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $10.49708426 (0.095) 99.905 1,048.71
5-5-94 GVP Charge 0.00 $10.49708426 0.000 99.905 1,048.71
5-5-95 Contract Fee (1.00) $11.72346823 (0.085) 99.819 1,170.23
5-5-95 GVP Charge (23.40) $11.72346823 (1.996) 97.823 1,146.83
5-5-96 Contract Fee (1.00) $14.79066304 (0.068) 97.755 1,445.87
5-5-96 GVP Charge (28.92) $14.79066304 (1.955) 95.800 1,416.95
5-5-97 Contract Fee (1.00) $17.39342237 (0.057) 95.743 1,665.30
5-5-97 GVP Charge (33.31) $17.39342237 (1.915) 93.828 1,631.99
5-5-98 Contract Fee (1.00) $23.40061772 (0.043) 93.785 2,194.63
5-5-98 GVP Charge (43.89) $23.40061772 (1.876) 91.910 2,150.74
5-5-99 Contract Fee (1.00) $28.62125179 (0.035) 91.875 2,629.57
<PAGE>
5-5-99 GVP Charge (52.59) $28.62125179 (1.837) 90.037 2,576.97
5-5-00 Contract Fee (1.00) $37.11240956 (0.027) 90.010 3,340.49
5-5-00 GVP Charge (66.81) $37.11240956 (1.800) 88.210 3,273.68
9-30-00 Value before Surr Chg $36.16513568 0.000 88.210 3,190.13
9-30-00 Contract Fee (1.00) $36.16513568 (0.028) 88.182 3,189.13
9-30-00 GVP Charge 0.00 $36.16513568 0.000 88.182 3,189.13
9-30-00 Surrender Charge $36.16513568 0.000 88.182 3,189.13
Cumulative Total Returns without/with chgs. 261.65% A 218.91% C
Avg. Annual Total Returns without/with chgs. 18.94% B 16.94% D
AIM VI International Equity
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.58490940 (0.086) 99.914 1,157.49
5-5-94 GVP Charge (23.15) $11.58490940 (1.998) 97.915 1,134.34
5-5-95 Contract Fee (1.00) $11.96515899 (0.084) 97.832 1,170.57
5-5-95 GVP Charge 0.00 $11.96515899 0.000 97.832 1,170.57
5-5-96 Contract Fee (1.00) $14.31958726 (0.070) 97.762 1,399.91
5-5-96 GVP Charge (28.00) $14.31958726 (1.955) 95.807 1,371.91
5-5-97 Contract Fee (1.00) $15.80057377 (0.063) 95.743 1,512.80
5-5-97 GVP Charge (24.28) $15.80057377 (1.536) 94.207 1,488.53
5-5-98 Contract Fee (1.00) $19.32583159 (0.052) 94.155 1,819.63
5-5-98 GVP Charge (36.39) $19.32583159 (1.883) 92.272 1,783.24
5-5-99 Contract Fee (1.00) $18.95213279 (0.053) 92.219 1,747.76
5-5-99 GVP Charge 0.00 $18.95213279 0.000 92.219 1,747.76
5-5-00 Contract Fee (1.00) $25.92955475 (0.039) 92.181 2,390.21
5-5-00 GVP Charge (47.80) $25.92955475 (1.844) 90.337 2,342.41
9-30-00 Value before Surr Chg $23.39444504 0.000 90.337 2,113.39
9-30-00 Contract Fee (1.00) $23.39444504 (0.043) 90.295 2,112.39
9-30-00 GVP Charge 0.00 $23.39444504 0.000 90.295 2,112.39
9-30-00 Surrender Charge $23.39444504 0.000 90.295 2,112.39
Cumulative Total Returns without/with chgs. 133.94% A 111.24% C
Avg. Annual Total Returns without/with chgs. 12.15% B 10.62% D
AIM VI Value
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.60721246 (0.086) 99.914 1,159.72
5-5-94 GVP Charge (23.19) $11.60721246 (1.998) 97.916 1,136.53
5-5-95 Contract Fee (1.00) $13.11126845 (0.076) 97.839 1,282.80
5-5-95 GVP Charge (25.66) $13.11126845 (1.957) 95.883 1,257.14
5-5-96 Contract Fee (1.00) $15.78156487 (0.063) 95.819 1,512.18
5-5-96 GVP Charge (30.24) $15.78156487 (1.916) 93.903 1,481.93
5-5-97 Contract Fee (1.00) $18.96894238 (0.053) 93.850 1,780.24
5-5-97 GVP Charge (35.60) $18.96894238 (1.877) 91.973 1,744.63
5-5-98 Contract Fee (1.00) $24.38288075 (0.041) 91.932 2,241.57
5-5-98 GVP Charge (44.83) $24.38288075 (1.839) 90.093 2,196.74
5-5-99 Contract Fee (1.00) $30.61774620 (0.033) 90.061 2,757.46
5-5-99 GVP Charge (55.15) $30.61774620 (1.801) 88.260 2,702.31
5-5-00 Contract Fee (1.00) $36.44039980 (0.027) 88.232 3,215.21
5-5-00 GVP Charge (64.30) $36.44039980 (1.765) 86.467 3,150.91
9-30-00 Value before Surr Chg $33.30622156 0.000 86.467 2,879.90
9-30-00 Contract Fee (1.00) $33.30622156 (0.030) 86.437 2,878.90
9-30-00 GVP Charge 0.00 $33.30622156 0.000 86.437 2,878.90
<PAGE>
9-30-00 Surrender Charge $33.30622156 0.000 86.437 2,878.90
Cumulative Total Returns without/with chgs. 233.06% A 187.89% C
Avg. Annual Total Returns without/with chgs. 17.63% B 15.34% D
Alger American Growth
1-9-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-9-90 Contract Fee (1.00) $12.26443841 (0.082) 99.918 1,225.44
1-9-90 GVP Charge (24.51) $12.26443841 (1.998) 97.920 1,200.93
1-9-91 Contract Fee (1.00) $11.92594280 (0.084) 97.836 1,166.79
1-9-91 GVP Charge 0.00 $11.92594280 0.000 97.836 1,166.79
1-9-92 Contract Fee (1.00) $18.14913837 (0.055) 97.781 1,774.64
1-9-92 GVP Charge (35.49) $18.14913837 (1.956) 95.826 1,739.15
1-9-93 Contract Fee (1.00) $19.26867967 (0.052) 95.774 1,845.43
1-9-93 GVP Charge 0.00 $19.26867967 0.000 95.774 1,845.43
1-9-94 Contract Fee (1.00) $23.74901019 (0.042) 95.732 2,273.53
1-9-94 GVP Charge (45.47) $23.74901019 (1.915) 93.817 2,228.06
1-9-95 Contract Fee (1.00) $23.25195385 (0.043) 93.774 2,180.43
1-9-95 GVP Charge 0.00 $23.25195385 0.000 93.774 2,180.43
1-9-96 Contract Fee (1.00) $29.04806803 (0.034) 93.739 2,722.95
1-9-96 GVP Charge (54.46) $29.04806803 (1.875) 91.865 2,668.49
1-9-97 Contract Fee (1.00) $35.84720209 (0.028) 91.837 3,292.09
1-9-97 GVP Charge (65.84) $35.84720209 (1.837) 90.000 3,226.25
1-9-98 Contract Fee (1.00) $41.33742383 (0.024) 89.976 3,719.37
1-9-98 GVP Charge (74.39) $41.33742383 (1.800) 88.176 3,644.98
1-9-99 Contract Fee (1.00) $64.92561506 (0.015) 88.161 5,723.90
1-9-99 GVP Charge (114.48) $64.92561506 (1.763) 86.398 5,609.42
1-9-00 Contract Fee (1.00) $81.00387918 (0.012) 86.385 6,997.55
1-9-00 GVP Charge (139.95) $81.00387918 (1.728) 84.658 6,857.60
9-30-00 Value before Surr Chg $82.01823051 0.000 84.658 6,943.47
9-30-00 Contract Fee (1.00) $82.01823051 (0.012) 84.645 6,942.47
9-30-00 GVP Charge 0.00 $82.01823051 0.000 84.645 6,942.47
9-30-00 Surrender Charge $82.01823051 0.000 84.645 6,942.47
Cumulative Total Returns without/with chgs. 720.18% A 594.25% C
Avg. Annual Total Returns without/with chgs. 19.65% B 17.96% D
Alger American Leveraged AllCap
1-25-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-25-96 Contract Fee (1.00) $17.21974628 (0.058) 99.942 1,720.97
1-25-96 GVP Charge (34.42) $17.21974628 (1.999) 97.943 1,686.56
1-25-97 Contract Fee (1.00) $20.12605051 (0.050) 97.893 1,970.21
1-25-97 GVP Charge (39.40) $20.12605051 (1.958) 95.936 1,930.80
1-25-98 Contract Fee (1.00) $22.00666616 (0.045) 95.890 2,110.22
1-25-98 GVP Charge (15.30) $22.00666616 (0.695) 95.195 2,094.92
1-25-99 Contract Fee (1.00) $36.28087999 (0.028) 95.167 3,452.75
1-25-99 GVP Charge (69.06) $36.28087999 (1.903) 93.264 3,383.70
1-25-00 Contract Fee (1.00) $62.24788095 (0.016) 93.248 5,804.48
1-25-00 GVP Charge (116.09) $62.24788095 (1.865) 91.383 5,688.39
9-30-00 Value before Surr Chg $58.07713401 0.000 91.383 5,307.26
9-30-00 Contract Fee (1.00) $58.07713401 (0.017) 91.366 5,306.26
9-30-00 GVP Charge 0.00 $58.07713401 0.000 91.366 5,306.26
9-30-00 Surrender Charge (40.00) $58.07713401 (0.689) 90.677 5,266.26
Cumulative Total Returns without/with chgs. 480.77% A 426.63% C
<PAGE>
Avg. Annual Total Returns without/with chgs. 36.27% B 33.94% D
Alger American MidCap Growth
5-3-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-3-94 Contract Fee (1.00) $12.97342713 (0.077) 99.923 1,296.34
5-3-94 GVP Charge (25.93) $12.97342713 (1.998) 97.924 1,270.42
5-3-95 Contract Fee (1.00) $14.90333262 (0.067) 97.857 1,458.40
5-3-95 GVP Charge (29.17) $14.90333262 (1.957) 95.900 1,429.23
5-3-96 Contract Fee (1.00) $20.90890022 (0.048) 95.852 2,004.17
5-3-96 GVP Charge (40.08) $20.90890022 (1.917) 93.935 1,964.08
5-3-97 Contract Fee (1.00) $20.28644799 (0.049) 93.886 1,904.61
5-3-97 GVP Charge 0.00 $20.28644799 0.000 93.886 1,904.61
5-3-98 Contract Fee (1.00) $27.22764189 (0.037) 93.849 2,555.30
5-3-98 GVP Charge (51.11) $27.22764189 (1.877) 91.972 2,504.19
5-3-99 Contract Fee (1.00) $31.87586287 (0.031) 91.941 2,930.70
5-3-99 GVP Charge (58.61) $31.87586287 (1.839) 90.102 2,872.08
5-3-00 Contract Fee (1.00) $42.56460718 (0.023) 90.079 3,834.16
5-3-00 GVP Charge (76.68) $42.56460718 (1.802) 88.277 3,757.48
9-30-00 Value before Surr Chg $47.43556273 0.000 88.277 4,187.47
9-30-00 Contract Fee (1.00) $47.43556273 (0.021) 88.256 4,186.47
9-30-00 GVP Charge (34.41) $47.43556273 (0.725) 87.531 4,152.06
9-30-00 Surrender Charge $47.43556273 0.000 87.531 4,152.06
Cumulative Total Returns without/with chgs. 374.36% A 315.21% C
Avg. Annual Total Returns without/with chgs. 23.36% B 21.16% D
Alger American Small Capitalization
9-21-88 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
9-21-89 Contract Fee (1.00) $15.26414254 (0.066) 99.934 1,525.41
9-21-89 GVP Charge (30.51) $15.26414254 (1.999) 97.936 1,494.91
9-21-90 Contract Fee (1.00) $14.70264092 (0.068) 97.868 1,438.91
9-21-90 GVP Charge 0.00 $14.70264092 0.000 97.868 1,438.91
9-21-91 Contract Fee (1.00) $22.00854274 (0.045) 97.822 2,152.93
9-21-91 GVP Charge (43.06) $22.00854274 (1.956) 95.866 2,109.87
9-21-92 Contract Fee (1.00) $22.86109108 (0.044) 95.822 2,190.60
9-21-92 GVP Charge 0.00 $22.86109108 0.000 95.822 2,190.60
9-21-93 Contract Fee (1.00) $27.41444278 (0.036) 95.786 2,625.91
9-21-93 GVP Charge (52.52) $27.41444278 (1.916) 93.870 2,573.39
9-21-94 Contract Fee (1.00) $26.90051882 (0.037) 93.833 2,524.15
9-21-94 GVP Charge 0.00 $26.90051882 0.000 93.833 2,524.15
9-21-95 Contract Fee (1.00) $44.32105904 (0.023) 93.810 4,157.77
9-21-95 GVP Charge (83.16) $44.32105904 (1.876) 91.934 4,074.61
9-21-96 Contract Fee (1.00) $41.91832366 (0.024) 91.910 3,852.72
9-21-96 GVP Charge 0.00 $41.91832366 0.000 91.910 3,852.72
9-21-97 Contract Fee (1.00) $47.66188286 (0.021) 91.889 4,379.61
9-21-97 GVP Charge (87.59) $47.66188286 (1.838) 90.051 4,292.02
9-21-98 Contract Fee (1.00) $40.89821508 (0.024) 90.027 3,681.94
9-21-98 GVP Charge 0.00 $40.89821508 0.000 90.027 3,681.94
9-21-99 Contract Fee (1.00) $53.29888527 (0.019) 90.008 4,797.34
9-21-99 GVP Charge (95.95) $53.29888527 (1.800) 88.208 4,701.39
9-21-00 Contract Fee (1.00) $62.62907671 (0.016) 88.192 5,523.39
9-21-00 GVP Charge (110.47) $62.62907671 (1.764) 86.428 5,412.92
9-30-00 Value before Surr Chg $64.23126592 0.000 86.428 5,551.39
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9-30-00 Contract Fee (1.00) $64.23126592 (0.016) 86.413 5,550.39
9-30-00 GVP Charge 0.00 $64.23126592 0.000 86.413 5,550.39
9-30-00 Surrender Charge $64.23126592 0.000 86.413 5,550.39
Cumulative Total Returns without/with chgs. 542.31% A 455.04% C
Avg. Annual Total Returns without/with chgs. 16.72% B 15.31% D
Davis VA Financial Portfolio
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $9.86530446 (0.101) 99.899 $985.53
7-1-00 GVP Charge 0.00 $9.86530446 0.000 99.899 $985.53
9-30-00 Value before Surr Chg $11.44196234 0.000 99.899 $1,143.04
9-30-00 Contract Fee (1.00) $11.44196234 (0.087) 99.811 $1,142.04
9-30-00 GVP Charge (5.69) $11.44196234 (0.498) 99.314 $1,136.34
9-30-00 Surrender Charge (70.00) $11.44196234 (6.118) 93.196 $1,066.34
Cumulative Total Returns without/with chgs. 14.42% A 6.63% C
Avg. Annual Total Returns without/with chgs. 11.36% B 5.26% D
Davis VA Real Estate
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $9.89371976 (0.101) 99.899 $988.37
7-1-00 GVP Charge 0.00 $9.89371976 0.000 99.899 $988.37
9-30-00 Value before Surr Chg $10.36167404 0.000 99.899 $1,035.12
9-30-00 Contract Fee (1.00) $10.36167404 (0.097) 99.802 $1,034.12
9-30-00 GVP Charge 0.00 $10.36167404 0.000 99.802 $1,034.12
9-30-00 Surrender Charge (70.00) $10.36167404 (6.756) 93.047 $964.12
Cumulative Total Returns without/with chgs. 3.62% A -3.59% C
Avg. Annual Total Returns without/with chgs. 2.88% B -2.88% D
Davis VA Value
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $10.82097434 (0.092) 99.908 $1,081.10
7-1-00 GVP Charge 0.00 $10.82097434 0.000 99.908 $1,081.10
9-30-00 Value before Surr Chg $10.88868151 0.000 99.908 $1,087.86
9-30-00 Contract Fee (1.00) $10.88868151 (0.092) 99.816 $1,086.86
9-30-00 GVP Charge 0.00 $10.88868151 0.000 99.816 $1,086.86
9-30-00 Surrender Charge (70.00) $10.88868151 (6.429) 93.387 $1,016.86
Cumulative Total Returns without/with chgs. 8.89% A 1.69% C
Avg. Annual Total Returns without/with chgs. 7.04% B 1.34% D
Franklin Growth & Income
1-24-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-24-90 Contract Fee (1.00) $9.59821257 (0.104) 99.896 958.82
1-24-90 GVP Charge 0.00 $9.59821257 0.000 99.896 958.82
1-24-91 Contract Fee (1.00) $10.03071417 (0.100) 99.796 1,001.03
1-24-91 GVP Charge 0.00 $10.03071417 0.000 99.796 1,001.03
1-24-92 Contract Fee (1.00) $12.16010515 (0.082) 99.714 1,212.53
1-24-92 GVP Charge (24.25) $12.16010515 (1.994) 97.720 1,188.28
1-24-93 Contract Fee (1.00) $12.57369139 (0.080) 97.640 1,227.70
1-24-93 GVP Charge 0.00 $12.57369139 0.000 97.640 1,227.70
1-24-94 Contract Fee (1.00) $14.09416781 (0.071) 97.569 1,375.16
1-24-94 GVP Charge (27.50) $14.09416781 (1.951) 95.618 1,347.65
1-24-95 Contract Fee (1.00) $13.27184444 (0.075) 95.542 1,268.02
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1-24-95 GVP Charge 0.00 $13.27184444 0.000 95.542 1,268.02
1-24-96 Contract Fee (1.00) $17.24473662 (0.058) 95.484 1,646.60
1-24-96 GVP Charge (32.93) $17.24473662 (1.910) 93.575 1,613.67
1-24-97 Contract Fee (1.00) $19.78197407 (0.051) 93.524 1,850.09
1-24-97 GVP Charge (37.00) $19.78197407 (1.870) 91.654 1,813.09
1-24-98 Contract Fee (1.00) $23.82731795 (0.042) 91.612 2,182.86
1-24-98 GVP Charge (43.66) $23.82731795 (1.832) 89.779 2,139.20
1-24-99 Contract Fee (1.00) $25.31069668 (0.040) 89.740 2,271.38
1-24-99 GVP Charge 0.00 $25.31069668 0.000 89.740 2,271.38
1-24-00 Contract Fee (1.00) $24.81522057 (0.040) 89.700 2,225.92
1-24-00 GVP Charge 0.00 $24.81522057 0.000 89.700 2,225.92
9-30-00 Value before Surr Chg $28.33495439 0.000 89.700 2,541.64
9-30-00 Contract Fee (1.00) $28.33495439 (0.035) 89.664 2,540.64
9-30-00 GVP Charge (34.80) $28.33495439 (1.228) 88.436 2,505.83
9-30-00 Surrender Charge $28.33495439 0.000 88.436 2,505.83
Cumulative Total Returns without/with chgs. 183.35% A 150.58% C
Avg. Annual Total Returns without/with chgs. 9.32% B 8.17% D
Franklin Rising Dividends Securities
1-27-92 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-27-93 Contract Fee (1.00) $10.68832490 (0.094) 99.906 1,067.83
1-27-93 GVP Charge 0.00 $10.68832490 0.000 99.906 1,067.83
1-27-94 Contract Fee (1.00) $10.36476559 (0.096) 99.810 1,034.51
1-27-94 GVP Charge 0.00 $10.36476559 0.000 99.810 1,034.51
1-27-95 Contract Fee (1.00) $9.94435448 (0.101) 99.709 991.55
1-27-95 GVP Charge 0.00 $9.94435448 0.000 99.709 991.55
1-27-96 Contract Fee (1.00) $12.48507028 (0.080) 99.629 1,243.88
1-27-96 GVP Charge (24.88) $12.48507028 (1.993) 97.637 1,219.00
1-27-97 Contract Fee (1.00) $15.20198163 (0.066) 97.571 1,483.27
1-27-97 GVP Charge (29.67) $15.20198163 (1.951) 95.620 1,453.61
1-27-98 Contract Fee (1.00) $19.72208999 (0.051) 95.569 1,884.82
1-27-98 GVP Charge (37.70) $19.72208999 (1.911) 93.657 1,847.12
1-27-99 Contract Fee (1.00) $19.69883478 (0.051) 93.607 1,843.94
1-27-99 GVP Charge 0.00 $19.69883478 0.000 93.607 1,843.94
1-27-00 Contract Fee (1.00) $17.97004824 (0.056) 93.551 1,681.12
1-27-00 GVP Charge 0.00 $17.97004824 0.000 93.551 1,681.12
9-30-00 Value before Surr Chg $19.40751840 0.000 93.551 1,815.59
9-30-00 Contract Fee (1.00) $19.40751840 (0.052) 93.499 1,814.59
9-30-00 GVP Charge 0.00 $19.40751840 0.000 93.499 1,814.59
9-30-00 Surrender Charge $19.40751840 0.000 93.499 1,814.59
Cumulative Total Returns without/with chgs. 94.08% A 81.46% C
Avg. Annual Total Returns without/with chgs. 7.94% B 7.10% D
Franklin Small Cap
11-1-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-1-96 Contract Fee (1.00) $12.14585161 (0.082) 99.918 1,213.59
11-1-96 GVP Charge (24.27) $12.14585161 (1.998) 97.919 1,189.31
11-1-97 Contract Fee (1.00) $15.53335588 (0.064) 97.855 1,520.02
11-1-97 GVP Charge (30.40) $15.53335588 (1.957) 95.898 1,489.62
11-1-98 Contract Fee (1.00) $12.49547567 (0.080) 95.818 1,197.29
11-1-98 GVP Charge 0.00 $12.49547567 0.000 95.818 1,197.29
11-1-99 Contract Fee (1.00) $19.83532713 (0.050) 95.767 1,899.58
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11-1-99 GVP Charge (37.99) $19.83532713 (1.915) 93.852 1,861.59
9-30-00 Value before Surr Chg $29.81017138 0.000 93.852 2,797.75
9-30-00 Contract Fee (1.00) $29.81017138 (0.034) 93.819 2,796.75
9-30-00 GVP Charge (51.18) $29.81017138 (1.717) 92.101 2,745.56
9-30-00 Surrender Charge (50.00) $29.81017138 (1.677) 90.424 2,695.56
Cumulative Total Returns without/with chgs. 198.10% A 169.56% C
Avg. Annual Total Returns without/with chgs. 24.87% B 22.34% D
Franklin U.S. Government
3-14-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-14-90 Contract Fee (1.00) $10.29830655 (0.097) 99.903 1,028.83
3-14-90 GVP Charge 0.00 $10.29830655 0.000 99.903 1,028.83
3-14-91 Contract Fee (1.00) $11.43996598 (0.087) 99.815 1,141.89
3-14-91 GVP Charge (22.84) $11.43996598 (1.996) 97.819 1,119.05
3-14-92 Contract Fee (1.00) $12.36390484 (0.081) 97.738 1,208.43
3-14-92 GVP Charge 0.00 $12.36390484 0.000 97.738 1,208.43
3-14-93 Contract Fee (1.00) $14.04607577 (0.071) 97.667 1,371.84
3-14-93 GVP Charge (27.44) $14.04607577 (1.953) 95.714 1,344.40
3-14-94 Contract Fee (1.00) $14.19683245 (0.070) 95.643 1,357.83
3-14-94 GVP Charge 0.00 $14.19683245 0.000 95.643 1,357.83
3-14-95 Contract Fee (1.00) $14.58635575 (0.069) 95.575 1,394.09
3-14-95 GVP Charge 0.00 $14.58635575 0.000 95.575 1,394.09
3-14-96 Contract Fee (1.00) $15.81459092 (0.063) 95.512 1,510.48
3-14-96 GVP Charge 0.00 $15.81459092 0.000 95.512 1,510.48
3-14-97 Contract Fee (1.00) $16.59405315 (0.060) 95.451 1,583.92
3-14-97 GVP Charge 0.00 $16.59405315 0.000 95.451 1,583.92
3-14-98 Contract Fee (1.00) $18.03096945 (0.055) 95.396 1,720.08
3-14-98 GVP Charge (1.52) $18.03096945 (0.084) 95.311 1,718.56
3-14-99 Contract Fee (1.00) $18.74755486 (0.053) 95.258 1,785.86
3-14-99 GVP Charge 0.00 $18.74755486 0.000 95.258 1,785.86
3-14-00 Contract Fee (1.00) $18.42857344 (0.054) 95.204 1,754.47
3-14-00 GVP Charge 0.00 $18.42857344 0.000 95.204 1,754.47
9-30-00 Value before Surr Chg $19.37434296 0.000 95.204 1,844.51
9-30-00 Contract Fee (1.00) $19.37434296 (0.052) 95.152 1,843.51
9-30-00 GVP Charge 0.00 $19.37434296 0.000 95.152 1,843.51
9-30-00 Surrender Charge $19.37434296 0.000 95.152 1,843.51
Cumulative Total Returns without/with chgs. 93.74% A 84.35% C
Avg. Annual Total Returns without/with chgs. 5.89% B 5.44% D
JP Morgan International Opportunities
1-3-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-3-96 Contract Fee (1.00) $11.17485481 (0.089) 99.911 1,116.49
1-3-96 GVP Charge (22.33) $11.17485481 (1.998) 97.912 1,094.16
1-3-97 Contract Fee (1.00) $12.16437906 (0.082) 97.830 1,190.04
1-3-97 GVP Charge (2.88) $12.16437906 (0.237) 97.593 1,187.16
1-3-98 Contract Fee (1.00) $12.84742512 (0.078) 97.515 1,252.82
1-3-98 GVP Charge 0.00 $12.84742512 0.000 97.515 1,252.82
1-3-99 Contract Fee (1.00) $13.21261785 (0.076) 97.440 1,287.43
1-3-99 GVP Charge 0.00 $13.21261785 0.000 97.440 1,287.43
1-3-00 Contract Fee (1.00) $17.84026315 (0.056) 97.383 1,737.35
1-3-00 GVP Charge (34.75) $17.84026315 (1.948) 95.436 1,702.60
9-30-00 Value before Surr Chg $15.65899090 0.000 95.436 1,494.43
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9-30-00 Contract Fee (1.00) $15.65899090 (0.064) 95.372 1,493.43
9-30-00 GVP Charge 0.00 $15.65899090 0.000 95.372 1,493.43
9-30-00 Surrender Charge (40.00) $15.65899090 (2.554) 92.818 1,453.43
Cumulative Total Returns without/with chgs. 56.59% A 45.34% C
Avg. Annual Total Returns without/with chgs. 8.12% B 6.72% D
JP Morgan US Disciplined Equity
1-3-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-3-96 Contract Fee (1.00) $13.34836014 (0.075) 99.925 1,333.84
1-3-96 GVP Charge (26.68) $13.34836014 (1.999) 97.927 1,307.16
1-3-97 Contract Fee (1.00) $15.92038179 (0.063) 97.864 1,558.03
1-3-97 GVP Charge (31.16) $15.92038179 (1.957) 95.906 1,526.87
1-3-98 Contract Fee (1.00) $19.72174959 (0.051) 95.856 1,890.44
1-3-98 GVP Charge (37.81) $19.72174959 (1.917) 93.939 1,852.63
1-3-99 Contract Fee (1.00) $23.86808081 (0.042) 93.897 2,241.14
1-3-99 GVP Charge (44.82) $23.86808081 (1.878) 92.019 2,196.31
1-3-00 Contract Fee (1.00) $27.62522441 (0.036) 91.983 2,541.04
1-3-00 GVP Charge (50.82) $27.62522441 (1.840) 90.143 2,490.22
9-30-00 Value before Surr Chg $25.79552175 0.000 90.143 2,325.29
9-30-00 Contract Fee (1.00) $25.79552175 (0.039) 90.104 2,324.29
9-30-00 GVP Charge 0.00 $25.79552175 0.000 90.104 2,324.29
9-30-00 Surrender Charge (40.00) $25.79552175 (1.551) 88.554 2,284.29
Cumulative Total Returns without/with chgs. 157.96% A 128.43% C
Avg. Annual Total Returns without/with chgs. 17.93% B 15.46% D
Mutual Discovery Securities
11-8-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-8-97 Contract Fee (1.00) $11.82856734 (0.085) 99.915 1,181.86
11-8-97 GVP Charge (23.64) $11.82856734 (1.998) 97.917 1,158.22
11-8-98 Contract Fee (1.00) $10.93920717 (0.091) 97.826 1,070.14
11-8-98 GVP Charge 0.00 $10.93920717 0.000 97.826 1,070.14
11-8-99 Contract Fee (1.00) $12.34653094 (0.081) 97.745 1,206.81
11-8-99 GVP Charge (24.14) $12.34653094 (1.955) 95.790 1,182.67
9-30-00 Value before Surr Chg $14.59604261 0.000 95.790 1,398.15
9-30-00 Contract Fee (1.00) $14.59604261 (0.069) 95.721 1,397.15
9-30-00 GVP Charge (25.03) $14.59604261 (1.715) 94.006 1,372.12
9-30-00 Surrender Charge (60.00) $14.59604261 (4.111) 89.896 1,312.12
Cumulative Total Returns without/with chgs. 45.96% A 31.21% C
Avg. Annual Total Returns without/with chgs. 10.19% B 7.22% D
Mutual Shares Securities
11-8-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-8-97 Contract Fee (1.00) $11.74966828 (0.085) 99.915 1,173.97
11-8-97 GVP Charge (23.48) $11.74966828 (1.998) 97.917 1,150.49
11-8-98 Contract Fee (1.00) $11.57098154 (0.086) 97.830 1,131.99
11-8-98 GVP Charge 0.00 $11.57098154 0.000 97.830 1,131.99
11-8-99 Contract Fee (1.00) $12.83500301 (0.078) 97.752 1,254.65
11-8-99 GVP Charge (25.09) $12.83500301 (1.955) 95.797 1,229.56
9-30-00 Value before Surr Chg $14.05053067 0.000 95.797 1,346.00
9-30-00 Contract Fee (1.00) $14.05053067 (0.071) 95.726 1,345.00
9-30-00 GVP Charge (19.90) $14.05053067 (1.416) 94.310 1,325.10
9-30-00 Surrender Charge (60.00) $14.05053067 (4.270) 90.039 1,265.10
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Cumulative Total Returns without/with chgs. 40.51% A 26.51% C
Avg. Annual Total Returns without/with chgs. 9.12% B 6.22% D
Oppenheimer VA Global Securities
11-12-90 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-12-91 Contract Fee (1.00) $10.46188253 (0.096) 99.904 1,045.19
11-12-91 GVP Charge 0.00 $10.46188253 0.000 99.904 1,045.19
11-12-92 Contract Fee (1.00) $9.32752793 (0.107) 99.797 930.86
11-12-92 GVP Charge 0.00 $9.32752793 0.000 99.797 930.86
11-12-93 Contract Fee (1.00) $13.95635112 (0.072) 99.726 1,391.80
11-12-93 GVP Charge (27.84) $13.95635112 (1.995) 97.731 1,363.97
11-12-94 Contract Fee (1.00) $15.51874783 (0.064) 97.667 1,515.66
11-12-94 GVP Charge (30.31) $15.51874783 (1.953) 95.713 1,485.35
11-12-95 Contract Fee (1.00) $14.49082724 (0.069) 95.644 1,385.96
11-12-95 GVP Charge 0.00 $14.49082724 0.000 95.644 1,385.96
11-12-96 Contract Fee (1.00) $16.54933397 (0.060) 95.584 1,581.85
11-12-96 GVP Charge (31.64) $16.54933397 (1.912) 93.672 1,550.21
11-12-97 Contract Fee (1.00) $19.86906218 (0.050) 93.622 1,860.18
11-12-97 GVP Charge (37.20) $19.86906218 (1.872) 91.749 1,822.97
11-12-98 Contract Fee (1.00) $20.69396503 (0.048) 91.701 1,897.66
11-12-98 GVP Charge 0.00 $20.69396503 0.000 91.701 1,897.66
11-12-99 Contract Fee (1.00) $29.91356472 (0.033) 91.668 2,742.11
11-12-99 GVP Charge (54.84) $29.91356472 (1.833) 89.834 2,687.26
9-30-00 Value before Surr Chg $38.76018856 0.000 89.834 3,481.99
9-30-00 Contract Fee (1.00) $38.76018856 (0.026) 89.808 3,480.99
9-30-00 GVP Charge (61.61) $38.76018856 (1.589) 88.219 3,419.39
9-30-00 Surrender Charge $38.76018856 0.000 88.219 3,419.39
Cumulative Total Returns without/with chgs. 287.60% A 241.94% C
Avg. Annual Total Returns without/with chgs. 14.68% B 13.24% D
Oppenheimer VA High Income
4-30-86 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-30-87 Contract Fee (1.00) $10.97737935 (0.091) 99.909 1,096.74
4-30-87 GVP Charge (11.74) $10.97737935 (1.069) 98.840 1,085.00
4-30-88 Contract Fee (1.00) $11.68774017 (0.086) 98.754 1,154.21
4-30-88 GVP Charge 0.00 $11.68774017 0.000 98.754 1,154.21
4-30-89 Contract Fee (1.00) $12.77686781 (0.078) 98.676 1,260.77
4-30-89 GVP Charge (8.45) $12.77686781 (0.661) 98.015 1,252.32
4-30-90 Contract Fee (1.00) $13.13573782 (0.076) 97.938 1,286.49
4-30-90 GVP Charge 0.00 $13.13573782 0.000 97.938 1,286.49
4-30-91 Contract Fee (1.00) $15.45351691 (0.065) 97.874 1,512.49
4-30-91 GVP Charge (30.25) $15.45351691 (1.957) 95.916 1,482.24
4-30-92 Contract Fee (1.00) $19.20316026 (0.052) 95.864 1,840.90
4-30-92 GVP Charge (36.82) $19.20316026 (1.917) 93.947 1,804.08
4-30-93 Contract Fee (1.00) $22.63069061 (0.044) 93.903 2,125.08
4-30-93 GVP Charge (42.50) $22.63069061 (1.878) 92.025 2,082.58
4-30-94 Contract Fee (1.00) $24.68005632 (0.041) 91.984 2,270.17
4-30-94 GVP Charge (10.57) $24.68005632 (0.428) 91.556 2,259.60
4-30-95 Contract Fee (1.00) $26.09789160 (0.038) 91.517 2,388.41
4-30-95 GVP Charge 0.00 $26.09789160 0.000 91.517 2,388.41
4-30-96 Contract Fee (1.00) $30.07709047 (0.033) 91.484 2,751.58
4-30-96 GVP Charge (55.03) $30.07709047 (1.830) 89.655 2,696.55
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4-30-97 Contract Fee (1.00) $32.85612010 (0.030) 89.624 2,944.70
4-30-97 GVP Charge (18.95) $32.85612010 (0.577) 89.047 2,925.75
4-30-98 Contract Fee (1.00) $37.49620932 (0.027) 89.021 3,337.94
4-30-98 GVP Charge (66.76) $37.49620932 (1.780) 87.240 3,271.18
4-30-99 Contract Fee (1.00) $37.65970095 (0.027) 87.214 3,284.45
4-30-99 GVP Charge 0.00 $37.65970095 0.000 87.214 3,284.45
4-30-00 Contract Fee (1.00) $35.97999224 (0.028) 87.186 3,136.95
4-30-00 GVP Charge 0.00 $35.97999224 0.000 87.186 3,136.95
9-30-00 Value before Surr Chg $36.58358037 0.000 87.186 3,189.58
9-30-00 Contract Fee (1.00) $36.58358037 (0.027) 87.159 3,188.58
9-30-00 GVP Charge 0.00 $36.58358037 0.000 87.159 3,188.58
9-30-00 Surrender Charge $36.58358037 0.000 87.159 3,188.58
Cumulative Total Returns without/with chgs. 265.84% A 218.86% C
Avg. Annual Total Returns without/with chgs. 9.40% B 8.37% D
Oppenheimer VA Main Street Growth & Income
7-5-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-5-96 Contract Fee (1.00) $14.32125140 (0.070) 99.930 $1,431.13
7-5-96 GVP Charge (28.62) $14.32125140 (1.999) 97.932 $1,402.50
7-5-97 Contract Fee (1.00) $18.77574335 (0.053) 97.878 $1,837.74
7-5-97 GVP Charge (36.75) $18.77574335 (1.958) 95.921 $1,800.98
7-5-98 Contract Fee (1.00) $23.88072408 (0.042) 95.879 $2,289.66
7-5-98 GVP Charge (45.79) $23.88072408 (1.918) 93.961 $2,243.86
7-5-99 Contract Fee (1.00) $25.08268456 (0.040) 93.921 $2,355.80
7-5-99 GVP Charge 0.00 $25.08268456 0.000 93.921 $2,355.80
7-5-00 Contract Fee (1.00) $25.66347542 (0.039) 93.882 $2,409.35
7-5-00 GVP Charge 0.00 $25.66347542 0.000 93.882 $2,409.35
9-30-00 Value before Surr Chg $26.21753339 0.000 93.882 $2,461.37
9-30-00 Contract Fee (1.00) $26.21753339 (0.038) 93.844 $2,460.37
9-30-00 GVP Charge 0.00 $26.21753339 0.000 93.844 $2,460.37
9-30-00 Surrender Charge (40.00) $26.21753339 (1.526) 92.319 $2,420.37
Cumulative Total Returns without/with chgs. 162.18% A 142.04% C
Avg. Annual Total Returns without/with chgs. 20.18% B 18.36% D
PIMCO VIT High Yield Bond
4-30-98 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-30-99 Contract Fee (1.00) $10.38177321 (0.096) 99.904 1,037.18
4-30-99 GVP Charge 0.00 $10.38177321 0.000 99.904 1,037.18
4-30-00 Contract Fee (1.00) $9.95012846 (0.101) 99.803 993.05
4-30-00 GVP Charge 0.00 $9.95012846 0.000 99.803 993.05
9-30-00 Value before Surr Chg $10.21790675 0.000 99.803 1,019.78
9-30-00 Contract Fee (1.00) $10.21790675 (0.098) 99.705 1,018.78
9-30-00 GVP Charge 0.00 $10.21790675 0.000 99.705 1,018.78
9-30-00 Surrender Charge (70.00) $10.21790675 (6.851) 92.855 948.78
Cumulative Total Returns without/with chgs. 2.18% A -5.12% C
Avg. Annual Total Returns without/with chgs. 0.89% B -2.15% D
PIMCO VIT Stocks PLUS Growth & Income
12-31-97 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-31-98 Contract Fee (1.00) $12.81734164 (0.078) 99.922 1,280.73
12-31-98 GVP Charge (25.61) $12.81734164 (1.998) 97.924 1,255.12
12-31-99 Contract Fee (1.00) $15.13189019 (0.066) 97.857 1,480.77
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12-31-99 GVP Charge (29.62) $15.13189019 (1.957) 95.900 1,451.15
9-30-00 Value before Surr Chg $14.52646999 0.000 95.900 1,393.09
9-30-00 Contract Fee (1.00) $14.52646999 (0.069) 95.831 1,392.09
9-30-00 GVP Charge 0.00 $14.52646999 0.000 95.831 1,392.09
9-30-00 Surrender Charge (70.00) $14.52646999 (4.819) 91.013 1,322.09
Cumulative Total Returns without/with chgs. 45.26% A 32.21% C
Avg. Annual Total Returns without/with chgs. 14.54% B 10.68% D
PIMCO VIT Total Return Bond
12-31-97 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-31-98 Contract Fee (1.00) $10.69969268 (0.093) 99.907 1,068.97
12-31-98 GVP Charge 0.00 $10.69969268 0.000 99.907 1,068.97
12-31-99 Contract Fee (1.00) $10.47883633 (0.095) 99.811 1,045.90
12-31-99 GVP Charge 0.00 $10.47883633 0.000 99.811 1,045.90
9-30-00 Value before Surr Chg $10.99727032 0.000 99.811 1,097.65
9-30-00 Contract Fee (1.00) $10.99727032 (0.091) 99.720 1,096.65
9-30-00 GVP Charge 0.00 $10.99727032 0.000 99.720 1,096.65
9-30-00 Surrender Charge (70.00) $10.99727032 (6.365) 93.355 1,026.65
Cumulative Total Returns without/with chgs. 9.97% A 2.66% C
Avg. Annual Total Returns without/with chgs. 3.52% B 0.96% D
Seligman Henderson Global Technology
5-2-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-2-97 Contract Fee (1.00) $10.31558384 (0.097) 99.903 1,030.56
5-2-97 GVP Charge 0.00 $10.31558384 0.000 99.903 1,030.56
5-2-98 Contract Fee (1.00) $14.91314563 (0.067) 99.836 1,488.87
5-2-98 GVP Charge (29.78) $14.91314563 (1.997) 97.839 1,459.09
5-2-99 Contract Fee (1.00) $17.71548635 (0.056) 97.783 1,732.27
5-2-99 GVP Charge (34.65) $17.71548635 (1.956) 95.827 1,697.63
5-2-00 Contract Fee (1.00) $39.11979000 (0.026) 95.802 3,747.74
5-2-00 GVP Charge (74.95) $39.11979000 (1.916) 93.886 3,672.78
9-30-00 Value before Surr Chg $33.27799978 0.000 93.886 3,124.32
9-30-00 Contract Fee (1.00) $33.27799978 (0.030) 93.856 3,123.32
9-30-00 GVP Charge 0.00 $33.27799978 0.000 93.856 3,123.32
9-30-00 Surrender Charge (50.00) $33.27799978 (1.502) 92.353 3,073.32
Cumulative Total Returns without/with chgs. 232.78% A 207.33% C
Avg. Annual Total Returns without/with chgs. 31.29% B 28.95% D
Seligman Small Cap Value
5-1-98 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-1-99 Contract Fee (1.00) $10.73804095 (0.093) 99.907 1,072.80
5-1-99 GVP Charge 0.00 $10.73804095 0.000 99.907 1,072.80
5-1-00 Contract Fee (1.00) $12.04017827 (0.083) 99.824 1,201.90
5-1-00 GVP Charge (24.04) $12.04017827 (1.996) 97.827 1,177.86
9-30-00 Value before Surr Chg $12.97064896 0.000 97.827 1,268.88
9-30-00 Contract Fee (1.00) $12.97064896 (0.077) 97.750 1,267.88
9-30-00 GVP Charge 0.00 $12.97064896 0.000 97.750 1,267.88
9-30-00 Surrender Charge (70.00) $12.97064896 (5.397) 92.353 1,197.88
Cumulative Total Returns without/with chgs. 29.71% A 19.79% C
Avg. Annual Total Returns without/with chgs. 11.35% B 7.75% D
Templeton Developing Markets Equity
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3-15-94 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-15-95 Contract Fee (1.00) $8.61972421 (0.116) 99.884 860.97
3-15-95 GVP Charge 0.00 $8.61972421 0.000 99.884 860.97
3-15-96 Contract Fee (1.00) $10.27523747 (0.097) 99.787 1,025.33
3-15-96 GVP Charge (20.51) $10.27523747 (1.996) 97.791 1,004.83
3-15-97 Contract Fee (1.00) $12.41606365 (0.081) 97.710 1,213.18
3-15-97 GVP Charge (24.26) $12.41606365 (1.954) 95.756 1,188.91
3-15-98 Contract Fee (1.00) $10.51000046 (0.095) 95.661 1,005.40
3-15-98 GVP Charge 0.00 $10.51000046 0.000 95.661 1,005.40
3-15-99 Contract Fee (1.00) $8.18268714 (0.122) 95.539 781.76
3-15-99 GVP Charge 0.00 $8.18268714 0.000 95.539 781.76
3-15-00 Contract Fee (1.00) $11.38945373 (0.088) 95.451 1,087.14
3-15-00 GVP Charge (21.74) $11.38945373 (1.909) 93.542 1,065.39
9-30-00 Value before Surr Chg $8.94282243 0.000 93.542 836.53
9-30-00 Contract Fee (1.00) $8.94282243 (0.112) 93.430 835.53
9-30-00 GVP Charge 0.00 $8.94282243 0.000 93.430 835.53
9-30-00 Surrender Charge (30.00) $8.94282243 (3.355) 90.076 805.53
Cumulative Total Returns without/with chgs. -10.57% A -19.45% C
Avg. Annual Total Returns without/with chgs. -1.69% B -3.25% D
Templeton Global Growth
3-15-94 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-15-95 Contract Fee (1.00) $10.09351282 (0.099) 99.901 1,008.35
3-15-95 GVP Charge 0.00 $10.09351282 0.000 99.901 1,008.35
3-15-96 Contract Fee (1.00) $11.79181690 (0.085) 99.816 1,177.01
3-15-96 GVP Charge (23.54) $11.79181690 (1.996) 97.820 1,153.47
3-15-97 Contract Fee (1.00) $14.05748408 (0.071) 97.749 1,374.10
3-15-97 GVP Charge (27.48) $14.05748408 (1.955) 95.794 1,346.62
3-15-98 Contract Fee (1.00) $16.67576783 (0.060) 95.734 1,596.43
3-15-98 GVP Charge (31.93) $16.67576783 (1.915) 93.819 1,564.50
3-15-99 Contract Fee (1.00) $16.10446000 (0.062) 93.757 1,509.91
3-15-99 GVP Charge 0.00 $16.10446000 0.000 93.757 1,509.91
3-15-00 Contract Fee (1.00) $17.43408089 (0.057) 93.700 1,633.57
3-15-00 GVP Charge 0.00 $17.43408089 0.000 93.700 1,633.57
9-30-00 Value before Surr Chg $18.33920721 0.000 93.700 1,718.38
9-30-00 Contract Fee (1.00) $18.33920721 (0.055) 93.645 1,717.38
9-30-00 GVP Charge 0.00 $18.33920721 0.000 93.645 1,717.38
9-30-00 Surrender Charge (30.00) $18.33920721 (1.636) 92.009 1,687.38
Cumulative Total Returns without/with chgs. 83.39% A 68.74% C
Avg. Annual Total Returns without/with chgs. 9.70% B 8.31% D
Templeton Pacific Growth
1-27-92 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-27-93 Contract Fee (1.00) $9.91923880 (0.101) 99.899 990.92
1-27-93 GVP Charge 0.00 $9.91923880 0.000 99.899 990.92
1-27-94 Contract Fee (1.00) $14.07453550 (0.071) 99.828 1,405.03
1-27-94 GVP Charge (28.10) $14.07453550 (1.997) 97.832 1,376.93
1-27-95 Contract Fee (1.00) $11.91268387 (0.084) 97.748 1,164.44
1-27-95 GVP Charge 0.00 $11.91268387 0.000 97.748 1,164.44
1-27-96 Contract Fee (1.00) $14.43981878 (0.069) 97.678 1,410.46
1-27-96 GVP Charge (28.21) $14.43981878 (1.954) 95.725 1,382.25
1-27-97 Contract Fee (1.00) $14.58121589 (0.069) 95.656 1,394.78
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1-27-97 GVP Charge 0.00 $14.58121589 0.000 95.656 1,394.78
1-27-98 Contract Fee (1.00) $8.41682629 (0.119) 95.537 804.12
1-27-98 GVP Charge 0.00 $8.41682629 0.000 95.537 804.12
1-27-99 Contract Fee (1.00) $7.81154933 (0.128) 95.409 745.30
1-27-99 GVP Charge 0.00 $7.81154933 0.000 95.409 745.30
1-27-00 Contract Fee (1.00) $10.38366496 (0.096) 95.313 989.70
1-27-00 GVP Charge (19.79) $10.38366496 (1.906) 93.407 969.91
9-30-00 Value before Surr Chg $8.53739241 0.000 93.407 797.45
9-30-00 Contract Fee (1.00) $8.53739241 (0.117) 93.290 796.45
9-30-00 GVP Charge 0.00 $8.53739241 0.000 93.290 796.45
9-30-00 Surrender Charge $8.53739241 0.000 93.290 796.45
Cumulative Total Returns without/with chgs. -14.63% A -20.35% C
Avg. Annual Total Returns without/with chgs. -1.80% B -2.59% D
Van Kampen LIT Enterprise
4-7-86 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-7-87 Contract Fee (1.00) $11.16150558 (0.090) 99.910 1,115.15
4-7-87 GVP Charge (22.30) $11.16150558 (1.998) 97.912 1,092.85
4-7-88 Contract Fee (1.00) $8.29016766 (0.121) 97.792 810.71
4-7-88 GVP Charge 0.00 $8.29016766 0.000 97.792 810.71
4-7-89 Contract Fee (1.00) $9.90998258 (0.101) 97.691 968.11
4-7-89 GVP Charge (19.36) $9.90998258 (1.954) 95.737 948.75
4-7-90 Contract Fee (1.00) $11.55098921 (0.087) 95.650 1,104.86
4-7-90 GVP Charge (22.10) $11.55098921 (1.913) 93.737 1,082.76
4-7-91 Contract Fee (1.00) $12.45457868 (0.080) 93.657 1,166.46
4-7-91 GVP Charge 0.00 $12.45457868 0.000 93.657 1,166.46
4-7-92 Contract Fee (1.00) $14.27683467 (0.070) 93.587 1,336.13
4-7-92 GVP Charge (26.72) $14.27683467 (1.872) 91.715 1,309.40
4-7-93 Contract Fee (1.00) $16.10316088 (0.062) 91.653 1,475.90
4-7-93 GVP Charge (29.52) $16.10316088 (1.833) 89.820 1,446.39
4-7-94 Contract Fee (1.00) $16.18722089 (0.062) 89.758 1,452.94
4-7-94 GVP Charge 0.00 $16.18722089 0.000 89.758 1,452.94
4-7-95 Contract Fee (1.00) $17.46066643 (0.057) 89.701 1,566.24
4-7-95 GVP Charge 0.00 $17.46066643 0.000 89.701 1,566.24
4-7-96 Contract Fee (1.00) $23.21601472 (0.043) 89.658 2,081.50
4-7-96 GVP Charge (41.63) $23.21601472 (1.793) 87.865 2,039.87
4-7-97 Contract Fee (1.00) $25.30032413 (0.040) 87.825 2,222.01
4-7-97 GVP Charge (8.75) $25.30032413 (0.346) 87.479 2,213.26
4-7-98 Contract Fee (1.00) $36.63999145 (0.027) 87.452 3,204.25
4-7-98 GVP Charge (64.08) $36.63999145 (1.749) 85.703 3,140.16
4-7-99 Contract Fee (1.00) $41.67400205 (0.024) 85.679 3,570.59
4-7-99 GVP Charge (71.41) $41.67400205 (1.714) 83.966 3,499.18
4-7-00 Contract Fee (1.00) $49.48130579 (0.020) 83.945 4,153.72
4-7-00 GVP Charge (83.07) $49.48130579 (1.679) 82.266 4,070.65
9-30-00 Value before Surr Chg $45.14495752 0.000 82.266 3,713.91
9-30-00 Contract Fee (1.00) $45.14495752 (0.022) 82.244 3,712.91
9-30-00 GVP Charge 0.00 $45.14495752 0.000 82.244 3,712.91
9-30-00 Surrender Charge $45.14495752 0.000 82.244 3,712.91
Cumulative Total Returns without/with chgs. 351.45% A 271.29% C
Avg. Annual Total Returns without/with chgs. 10.96% B 9.47% D
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Van Kampen LIT Growth &Income
12-23-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-23-97 Contract Fee (1.00) $12.24610989 (0.082) 99.918 1,223.61
12-23-97 GVP Charge (24.47) $12.24610989 (1.998) 97.920 1,199.14
12-23-98 Contract Fee (1.00) $13.91125885 (0.072) 97.848 1,361.19
12-23-98 GVP Charge (27.22) $13.91125885 (1.957) 95.891 1,333.97
12-23-99 Contract Fee (1.00) $14.89219250 (0.067) 95.824 1,427.03
12-23-99 GVP Charge 0.00 $14.89219250 0.000 95.824 1,427.03
9-30-00 Value before Surr Chg $17.05173364 0.000 95.824 1,633.96
9-30-00 Contract Fee (1.00) $17.05173364 (0.059) 95.765 1,632.96
9-30-00 GVP Charge (25.23) $17.05173364 (1.480) 94.286 1,607.73
9-30-00 Surrender Charge (60.00) $17.05173364 (3.519) 90.767 1,547.73
Cumulative Total Returns without/with chgs. 70.52% A 54.77% C
Avg. Annual Total Returns without/with chgs. 15.20% B 12.27% D
USAllianz VIP Diversified Assets
11-12-99 Purchase $1,000.00 $10.08626864 99.145 99.145 $1,000.00
9-30-00 Contract Fee (1.00) $10.47499696 (0.095) 99.049 1,037.54
9-30-00 GVP Charge 0.00 $10.47499696 0.000 99.049 1,037.54
9-30-00 Value before Surr Chg $10.47499696 0.000 99.049 1,037.54
9-30-00 Surrender Charge (80.00) $10.47499696 (7.637) 91.412 957.54
Cumulative and Average Annual Total Returns
without/with charges 3.85% A -4.25% B
Avg. Annual Total Returns without/with chgs. 4.37% B -4.78% D
USAllianz VIP Fixed Income Fund
11-12-99 Purchase $1,000.00 $10.01629453 99.837 99.837 $1,000.00
9-30-00 Contract Fee (1.00) $10.30100451 (0.097) 99.740 1,027.42
9-30-00 GVP Charge 0.00 $10.30100451 0.000 99.740 1,027.42
9-30-00 Value before Surr Chg $10.30100451 0.000 99.740 1,027.42
9-30-00 Surrender Charge (80.00) $10.30100451 (7.766) 91.974 947.42
Cumulative and Average Annual Total Returns
without/with charges 2.84% A -5.26% B
Avg. Annual Total Returns without/with chgs. 3.22% B -5.92% D
USAllianz VIP Global Opportunities Fund
2-1-00 Purchase $1,000.00 $9.99958904 100.004 100.004 $1,000.00
9-30-00 Contract Fee (1.00) $9.12875607 (0.110) 99.895 911.91
9-30-00 GVP Charge 0.00 $9.12875607 0.000 99.895 911.91
9-30-00 Value before Surr Chg $9.12875607 0.000 99.895 911.91
9-30-00 Surrender Charge (80.00) $9.12875607 (8.764) 91.131 831.91
Cumulative and Average Annual Total Returns
without/with charges -8.71% A -16.81% B
Avg. Annual Total Returns without/with chgs. -12.84% B -24.24% D
USAllianz Growth Fund
11-12-99 Purchase $1,000.00 $10.18623166 98.172 98.172 $1,000.00
9-30-00 Contract Fee (1.00) $10.68714246 (0.094) 98.078 1,048.18
9-30-00 GVP Charge 0.00 $10.68714246 0.000 98.078 1,048.18
9-30-00 Value before Surr Chg $10.68714246 0.000 98.078 1,048.18
9-30-00 Surrender Charge (80.00) $10.68714246 (7.486) 90.593 968.18
Cumulative and Average Annual Total Returns
<PAGE>
without/with charges 4.92% A -3.18% B
Avg. Annual Total Returns without/with chgs. 5.57% B -3.59% D
USAllianz Money Market Fund
2-1-00 Purchase $1,000.00 $10.00114185 99.989 99.989 $1,000.00
9-30-00 Contract Fee (1.00) $10.25887661 (0.097) 99.891 1,024.77
9-30-00 GVP Charge 0.00 $10.25887661 0.000 99.891 1,024.77
9-30-00 Value before Surr Chg $10.25887661 0.000 99.891 1,024.77
9-30-00 Surrender Charge (80.00) $10.25887661 (7.798) 92.093 944.77
Cumulative and Average Annual Total Returns
without/with charges 2.58% A -5.52% B
Avg. Annual Total Returns without/with chgs. 3.91% B -8.21% D
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/Years since Inception)]-1 C = (Accumulated Value as of
September 30, 2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/Years since Inception)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Enhanced - 3% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of Sub-Account Inception
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction Amount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<S> <C> <C> <C> <C> <C> <C>
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.72237979 (0.085) 99.915 1,171.24
5-5-94 GVP Charge (35.14) $11.72237979 (2.997) 96.917 1,136.10
5-5-95 Contract Fee (1.00) $12.99224413 (0.077) 96.840 1,258.17
5-5-95 GVP Charge (31.18) $12.99224413 (2.400) 94.440 1,226.99
5-5-96 Contract Fee (1.00) $17.47704841 (0.057) 94.383 1,649.53
5-5-96 GVP Charge (49.49) $17.47704841 (2.831) 91.551 1,600.05
5-5-97 Contract Fee (1.00) $18.21282209 (0.055) 91.496 1,666.41
5-5-97 GVP Charge 0.00 $18.21282209 0.000 91.496 1,666.41
5-5-98 Contract Fee (1.00) $22.85348361 (0.044) 91.453 2,090.01
5-5-98 GVP Charge (62.70) $22.85348361 (2.744) 88.709 2,027.31
5-5-99 Contract Fee (1.00) $24.21388879 (0.041) 88.668 2,146.99
5-5-99 GVP Charge 0.00 $24.21388879 0.000 88.668 2,146.99
5-5-00 Contract Fee (1.00) $34.28102994 (0.029) 88.639 3,038.63
5-5-00 GVP Charge (91.16) $34.28102994 (2.659) 85.980 2,947.47
9-30-00 Value before Surr Chg $37.76177365 0.000 85.980 3,246.74
<PAGE>
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 85.953 3,245.74
9-30-00 GVP Charge (39.48) $37.76177365 (1.046) 84.907 3,206.26
9-30-00 Surrender Charge $37.76177365 0.000 85.953 3,245.74
Cumulative Total Returns without/with chgs. 277.62% A 224.57% C
Avg. Annual Total Returns without/with chgs. 19.64% B 17.22% D
AIM VI Growth
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $10.44472492 (0.096) 99.904 1,043.47
5-5-94 GVP Charge 0.00 $10.44472492 0.000 99.904 1,043.47
5-5-95 Contract Fee (1.00) $11.60680681 (0.086) 99.818 1,158.57
5-5-95 GVP Charge (31.62) $11.60680681 (2.724) 97.094 1,126.95
5-5-96 Contract Fee (1.00) $14.57063774 (0.069) 97.025 1,413.72
5-5-96 GVP Charge (42.41) $14.57063774 (2.911) 94.115 1,371.31
5-5-97 Contract Fee (1.00) $17.04874383 (0.059) 94.056 1,603.53
5-5-97 GVP Charge (48.11) $17.04874383 (2.822) 91.234 1,555.43
5-5-98 Contract Fee (1.00) $22.82248795 (0.044) 91.190 2,081.19
5-5-98 GVP Charge (62.44) $22.82248795 (2.736) 88.455 2,018.76
5-5-99 Contract Fee (1.00) $27.77490672 (0.036) 88.419 2,455.82
5-5-99 GVP Charge (73.67) $27.77490672 (2.653) 85.766 2,382.15
5-5-00 Contract Fee (1.00) $35.83484327 (0.028) 85.738 3,072.41
5-5-00 GVP Charge (92.17) $35.83484327 (2.572) 83.166 2,980.24
9-30-00 Value before Surr Chg $34.84992418 0.000 83.166 2,898.33
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 83.137 2,897.33
9-30-00 GVP Charge 0.00 $34.84992418 0.000 83.137 2,897.33
9-30-00 Surrender Charge $34.84992418 0.000 83.137 2,897.33
Cumulative Total Returns without/with chgs. 248.50% A 189.73% C
Avg. Annual Total Returns without/with chgs. 18.35% B 15.44% D
AIM VI International Equity
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.52712399 (0.087) 99.913 1,151.71
5-5-94 GVP Charge (34.55) $11.52712399 (2.997) 96.916 1,117.16
5-5-95 Contract Fee (1.00) $11.84609248 (0.084) 96.831 1,147.07
5-5-95 GVP Charge 0.00 $11.84609248 0.000 96.831 1,147.07
5-5-96 Contract Fee (1.00) $14.10656966 (0.071) 96.761 1,364.96
5-5-96 GVP Charge (40.95) $14.10656966 (2.903) 93.858 1,324.01
5-5-97 Contract Fee (1.00) $15.48746008 (0.065) 93.793 1,452.62
5-5-97 GVP Charge (22.69) $15.48746008 (1.465) 92.328 1,429.93
5-5-98 Contract Fee (1.00) $18.84837247 (0.053) 92.275 1,739.24
5-5-98 GVP Charge (52.18) $18.84837247 (2.768) 89.507 1,687.06
5-5-99 Contract Fee (1.00) $18.39170852 (0.054) 89.453 1,645.19
5-5-99 GVP Charge 0.00 $18.39170852 0.000 89.453 1,645.19
5-5-00 Contract Fee (1.00) $25.03694968 (0.040) 89.413 2,238.62
5-5-00 GVP Charge (67.16) $25.03694968 (2.682) 86.730 2,171.46
9-30-00 Value before Surr Chg $22.54366313 0.000 86.730 1,955.22
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 86.686 1,954.22
9-30-00 GVP Charge 0.00 $22.54366313 0.000 86.686 1,954.22
9-30-00 Surrender Charge $22.54366313 0.000 86.686 1,954.22
Cumulative Total Returns without/with chgs. 125.44% A 95.42% C
Avg. Annual Total Returns without/with chgs. 11.59% B 9.46% D
<PAGE>
AIM VI Value
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.54931581 (0.087) 99.913 1,153.93
5-5-94 GVP Charge (34.62) $11.54931581 (2.997) 96.916 1,119.31
5-5-95 Contract Fee (1.00) $12.98079689 (0.077) 96.839 1,257.05
5-5-95 GVP Charge (37.71) $12.98079689 (2.905) 93.934 1,219.34
5-5-96 Contract Fee (1.00) $15.54679895 (0.064) 93.869 1,459.37
5-5-96 GVP Charge (43.78) $15.54679895 (2.816) 91.053 1,415.59
5-5-97 Contract Fee (1.00) $18.59304239 (0.054) 91.000 1,691.96
5-5-97 GVP Charge (50.76) $18.59304239 (2.730) 88.270 1,641.20
5-5-98 Contract Fee (1.00) $23.78048344 (0.042) 88.228 2,098.09
5-5-98 GVP Charge (62.94) $23.78048344 (2.647) 85.581 2,035.15
5-5-99 Contract Fee (1.00) $29.71236376 (0.034) 85.547 2,541.81
5-5-99 GVP Charge (76.25) $29.71236376 (2.566) 82.981 2,465.55
5-5-00 Contract Fee (1.00) $35.18596693 (0.028) 82.952 2,918.76
5-5-00 GVP Charge (87.56) $35.18596693 (2.489) 80.464 2,831.19
9-30-00 Value before Surr Chg $32.09497972 0.000 80.464 2,582.48
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 80.433 2,581.48
9-30-00 GVP Charge 0.00 $32.09497972 0.000 80.433 2,581.48
9-30-00 Surrender Charge $32.09497972 0.000 80.433 2,581.48
Cumulative Total Returns without/with chgs. 220.95% A 158.15% C
Avg. Annual Total Returns without/with chgs. 17.04% B 13.65% D
Alger American Growth
1-9-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-9-90 Contract Fee (1.00) $12.20326352 (0.082) 99.918 1,219.33
1-9-90 GVP Charge (36.58) $12.20326352 (2.998) 96.921 1,182.75
1-9-91 Contract Fee (1.00) $11.80726662 (0.085) 96.836 1,143.37
1-9-91 GVP Charge 0.00 $11.80726662 0.000 96.836 1,143.37
1-9-92 Contract Fee (1.00) $17.87890783 (0.056) 96.780 1,730.32
1-9-92 GVP Charge (51.91) $17.87890783 (2.903) 93.876 1,678.41
1-9-93 Contract Fee (1.00) $18.88709882 (0.053) 93.824 1,772.05
1-9-93 GVP Charge 0.00 $18.88709882 0.000 93.824 1,772.05
1-9-94 Contract Fee (1.00) $23.16290802 (0.043) 93.780 2,172.23
1-9-94 GVP Charge (65.17) $23.16290802 (2.813) 90.967 2,107.06
1-9-95 Contract Fee (1.00) $22.56438191 (0.044) 90.923 2,051.61
1-9-95 GVP Charge 0.00 $22.56438191 0.000 90.923 2,051.61
1-9-96 Contract Fee (1.00) $28.04849514 (0.036) 90.887 2,549.24
1-9-96 GVP Charge (76.48) $28.04849514 (2.727) 88.160 2,472.77
1-9-97 Contract Fee (1.00) $34.44054001 (0.029) 88.131 3,035.29
1-9-97 GVP Charge (91.06) $34.44054001 (2.644) 85.487 2,944.23
1-9-98 Contract Fee (1.00) $39.51722321 (0.025) 85.462 3,377.22
1-9-98 GVP Charge (101.32) $39.51722321 (2.564) 82.898 3,275.91
1-9-99 Contract Fee (1.00) $61.75801870 (0.016) 82.882 5,118.63
1-9-99 GVP Charge (153.56) $61.75801870 (2.486) 80.396 4,965.07
1-9-00 Contract Fee (1.00) $76.66857137 (0.013) 80.383 6,162.81
1-9-00 GVP Charge (184.88) $76.66857137 (2.411) 77.971 5,977.93
9-30-00 Value before Surr Chg $77.34625720 0.000 77.971 6,030.77
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 77.958 6,029.77
9-30-00 GVP Charge 0.00 $77.34625720 0.000 77.958 6,029.77
9-30-00 Surrender Charge $77.34625720 0.000 77.958 6,029.77
Cumulative Total Returns without/with chgs. 673.46% A 502.98% C
<PAGE>
Avg. Annual Total Returns without/with chgs. 19.05% B 16.55% D
Alger American Leveraged AllCap
1-25-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-25-96 Contract Fee (1.00) $17.13385437 (0.058) 99.942 1,712.39
1-25-96 GVP Charge (51.37) $17.13385437 (2.998) 96.943 1,661.01
1-25-97 Contract Fee (1.00) $19.92577430 (0.050) 96.893 1,930.67
1-25-97 GVP Charge (57.92) $19.92577430 (2.907) 93.986 1,872.75
1-25-98 Contract Fee (1.00) $21.67929603 (0.046) 93.940 2,036.56
1-25-98 GVP Charge (13.99) $21.67929603 (0.645) 93.295 2,022.57
1-25-99 Contract Fee (1.00) $35.56191602 (0.028) 93.267 3,316.75
1-25-99 GVP Charge (99.50) $35.56191602 (2.798) 90.469 3,217.25
1-25-00 Contract Fee (1.00) $60.71000008 (0.016) 90.452 5,491.37
1-25-00 GVP Charge (164.74) $60.71000008 (2.714) 87.739 5,326.63
9-30-00 Value before Surr Chg $56.45017474 0.000 87.739 4,952.88
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 87.721 4,951.88
9-30-00 GVP Charge 0.00 $56.45017474 0.000 87.721 4,951.88
9-30-00 Surrender Charge (40.00) $56.45017474 (0.709) 87.013 4,911.88
Cumulative Total Returns without/with chgs. 464.50% A 391.19% C
Avg. Annual Total Returns without/with chgs. 35.59% B 32.31% D
Alger American MidCap Growth
5-3-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-3-94 Contract Fee (1.00) $12.90871581 (0.077) 99.923 1,289.87
5-3-94 GVP Charge (38.70) $12.90871581 (2.998) 96.925 1,251.18
5-3-95 Contract Fee (1.00) $14.75502805 (0.068) 96.857 1,429.13
5-3-95 GVP Charge (42.87) $14.75502805 (2.906) 93.951 1,386.26
5-3-96 Contract Fee (1.00) $20.59729592 (0.049) 93.903 1,934.14
5-3-96 GVP Charge (58.02) $20.59729592 (2.817) 91.086 1,876.12
5-3-97 Contract Fee (1.00) $19.88471200 (0.050) 91.035 1,810.21
5-3-97 GVP Charge 0.00 $19.88471200 0.000 91.035 1,810.21
5-3-98 Contract Fee (1.00) $26.55569031 (0.038) 90.998 2,416.51
5-3-98 GVP Charge (72.50) $26.55569031 (2.730) 88.268 2,344.01
5-3-99 Contract Fee (1.00) $30.93327728 (0.032) 88.236 2,729.41
5-3-99 GVP Charge (81.88) $30.93327728 (2.647) 85.588 2,647.53
5-3-00 Contract Fee (1.00) $41.09935317 (0.024) 85.564 3,516.63
5-3-00 GVP Charge (105.50) $41.09935317 (2.567) 82.997 3,411.13
9-30-00 Value before Surr Chg $45.70922909 0.000 82.997 3,793.74
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 82.975 3,792.74
9-30-00 GVP Charge (46.76) $45.70922909 (1.023) 81.952 3,745.98
9-30-00 Surrender Charge $45.70922909 0.000 81.952 3,745.98
Cumulative Total Returns without/with chgs. 357.09% A 274.60% C
Avg. Annual Total Returns without/with chgs. 22.74% B 19.49% D
Alger American Small Capitalization
9-21-88 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
9-21-89 Contract Fee (1.00) $15.18821323 (0.066) 99.934 1,517.82
9-21-89 GVP Charge (45.53) $15.18821323 (2.998) 96.936 1,472.29
9-21-90 Contract Fee (1.00) $14.55653290 (0.069) 96.867 1,410.05
9-21-90 GVP Charge 0.00 $14.55653290 0.000 96.867 1,410.05
9-21-91 Contract Fee (1.00) $21.68144174 (0.046) 96.821 2,099.23
9-21-91 GVP Charge (62.98) $21.68144174 (2.905) 93.917 2,036.25
<PAGE>
9-21-92 Contract Fee (1.00) $22.40836902 (0.045) 93.872 2,103.52
9-21-92 GVP Charge 0.00 $22.40836902 0.000 93.872 2,103.52
9-21-93 Contract Fee (1.00) $26.73751485 (0.037) 93.835 2,508.91
9-21-93 GVP Charge (75.27) $26.73751485 (2.815) 91.020 2,433.64
9-21-94 Contract Fee (1.00) $26.10541460 (0.038) 90.981 2,375.10
9-21-94 GVP Charge 0.00 $26.10541460 0.000 90.981 2,375.10
9-21-95 Contract Fee (1.00) $42.79651363 (0.023) 90.958 3,892.68
9-21-95 GVP Charge (116.78) $42.79651363 (2.729) 88.229 3,775.90
9-21-96 Contract Fee (1.00) $40.27453099 (0.025) 88.204 3,552.39
9-21-96 GVP Charge 0.00 $40.27453099 0.000 88.204 3,552.39
9-21-97 Contract Fee (1.00) $45.56507124 (0.022) 88.182 4,018.04
9-21-97 GVP Charge (120.54) $45.56507124 (2.645) 85.537 3,897.50
9-21-98 Contract Fee (1.00) $38.90286937 (0.026) 85.511 3,326.63
9-21-98 GVP Charge 0.00 $38.90286937 0.000 85.511 3,326.63
9-21-99 Contract Fee (1.00) $50.44565049 (0.020) 85.491 4,312.67
9-21-99 GVP Charge (129.38) $50.44565049 (2.565) 82.927 4,183.29
9-21-00 Contract Fee (1.00) $58.97989366 (0.017) 82.910 4,890.01
9-21-00 GVP Charge (146.70) $58.97989366 (2.487) 80.422 4,743.31
9-30-00 Value before Surr Chg $60.48209966 0.000 80.422 4,864.12
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 80.406 4,863.12
9-30-00 GVP Charge 0.00 $60.48209966 0.000 80.406 4,863.12
9-30-00 Surrender Charge $60.48209966 0.000 80.406 4,863.12
Cumulative Total Returns without/with chgs. 504.82% A 386.31% C
Avg. Annual Total Returns without/with chgs. 16.13% B 14.05% D
Davis VA Financial Portfolio
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $9.81609640 (0.102) 99.898 $980.61
7-1-00 GVP Charge 0.00 $9.81609640 0.000 99.898 $980.61
9-30-00 Value before Surr Chg $11.37070537 0.000 99.898 $1,135.91
9-30-00 Contract Fee (1.00) $11.37070537 (0.088) 99.810 $1,134.91
9-30-00 GVP Charge (8.49) $11.37070537 (0.747) 99.064 $1,126.42
9-30-00 Surrender Charge (70.00) $11.37070537 (6.156) 92.907 $1,056.42
Cumulative Total Returns without/with chgs. 13.71% A 5.64% C
Avg. Annual Total Returns without/with chgs. 10.80% B 4.48% D
Davis VA Real Estate
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $9.84436997 (0.102) 99.898 $983.44
7-1-00 GVP Charge 0.00 $9.84436997 0.000 99.898 $983.44
9-30-00 Value before Surr Chg $10.29714476 0.000 99.898 $1,028.67
9-30-00 Contract Fee (1.00) $10.29714476 (0.097) 99.801 $1,027.67
9-30-00 GVP Charge 0.00 $10.29714476 0.000 99.801 $1,027.67
9-30-00 Surrender Charge (70.00) $10.29714476 (6.798) 93.003 $957.67
Cumulative Total Returns without/with chgs. 2.97% A -4.23% C
Avg. Annual Total Returns without/with chgs. 2.37% B -3.40% D
Davis VA Value
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $10.76699941 (0.093) 99.907 $1,075.70
7-1-00 GVP Charge 0.00 $10.76699941 0.000 99.907 $1,075.70
9-30-00 Value before Surr Chg $10.82087020 0.000 99.907 $1,081.08
<PAGE>
9-30-00 Contract Fee (1.00) $10.82087020 (0.092) 99.815 $1,080.08
9-30-00 GVP Charge 0.00 $10.82087020 0.000 99.815 $1,080.08
9-30-00 Surrender Charge (70.00) $10.82087020 (6.469) 93.346 $1,010.08
Cumulative Total Returns without/with chgs. 8.21% A 1.01% C
Avg. Annual Total Returns without/with chgs. 6.50% B 0.80% D
Franklin Growth & Income
1-24-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-24-90 Contract Fee (1.00) $9.55832133 (0.105) 99.895 954.83
1-24-90 GVP Charge 0.00 $9.55832133 0.000 99.895 954.83
1-24-91 Contract Fee (1.00) $9.93920031 (0.101) 99.795 991.88
1-24-91 GVP Charge 0.00 $9.93920031 0.000 99.795 991.88
1-24-92 Contract Fee (1.00) $11.98906304 (0.083) 99.711 1,195.45
1-24-92 GVP Charge (35.86) $11.98906304 (2.991) 96.720 1,159.58
1-24-93 Contract Fee (1.00) $12.33516552 (0.081) 96.639 1,192.06
1-24-93 GVP Charge 0.00 $12.33516552 0.000 96.639 1,192.06
1-24-94 Contract Fee (1.00) $13.75745325 (0.073) 96.566 1,328.51
1-24-94 GVP Charge (39.86) $13.75745325 (2.897) 93.669 1,288.65
1-24-95 Contract Fee (1.00) $12.89015714 (0.078) 93.592 1,206.41
1-24-95 GVP Charge 0.00 $12.89015714 0.000 93.592 1,206.41
1-24-96 Contract Fee (1.00) $16.66524942 (0.060) 93.532 1,558.73
1-24-96 GVP Charge (46.76) $16.66524942 (2.806) 90.726 1,511.97
1-24-97 Contract Fee (1.00) $19.02160927 (0.053) 90.673 1,724.75
1-24-97 GVP Charge (51.74) $19.02160927 (2.720) 87.953 1,673.01
1-24-98 Contract Fee (1.00) $22.79749137 (0.044) 87.909 2,004.11
1-24-98 GVP Charge (60.12) $22.79749137 (2.637) 85.272 1,943.98
1-24-99 Contract Fee (1.00) $24.09629487 (0.042) 85.230 2,053.74
1-24-99 GVP Charge 0.00 $24.09629487 0.000 85.230 2,053.74
1-24-00 Contract Fee (1.00) $23.50610818 (0.043) 85.188 2,002.43
1-24-00 GVP Charge 0.00 $23.50610818 0.000 85.188 2,002.43
9-30-00 Value before Surr Chg $26.74875738 0.000 85.188 2,278.67
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 85.150 2,277.67
9-30-00 GVP Charge (46.80) $26.74875738 (1.750) 83.401 2,230.87
9-30-00 Surrender Charge $26.74875738 0.000 83.401 2,230.87
Cumulative Total Returns without/with chgs. 167.49% A 123.09% C
Avg. Annual Total Returns without/with chgs. 8.78% B 7.10% D
Franklin Rising Dividends Securities
1-27-92 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-27-93 Contract Fee (1.00) $10.63850897 (0.094) 99.906 1,062.85
1-27-93 GVP Charge 0.00 $10.63850897 0.000 99.906 1,062.85
1-27-94 Contract Fee (1.00) $10.26499934 (0.097) 99.809 1,024.54
1-27-94 GVP Charge 0.00 $10.26499934 0.000 99.809 1,024.54
1-27-95 Contract Fee (1.00) $9.79950998 (0.102) 99.707 977.08
1-27-95 GVP Charge 0.00 $9.79950998 0.000 99.707 977.08
1-27-96 Contract Fee (1.00) $12.24201835 (0.082) 99.625 1,219.61
1-27-96 GVP Charge (36.59) $12.24201835 (2.989) 96.636 1,183.02
1-27-97 Contract Fee (1.00) $14.83128099 (0.067) 96.569 1,432.24
1-27-97 GVP Charge (42.97) $14.83128099 (2.897) 93.672 1,389.27
1-27-98 Contract Fee (1.00) $19.14519164 (0.052) 93.619 1,792.36
1-27-98 GVP Charge (53.77) $19.14519164 (2.809) 90.811 1,738.59
1-27-99 Contract Fee (1.00) $19.02723315 (0.053) 90.758 1,726.88
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1-27-99 GVP Charge 0.00 $19.02723315 0.000 90.758 1,726.88
1-27-00 Contract Fee (1.00) $17.27080843 (0.058) 90.700 1,566.47
1-27-00 GVP Charge 0.00 $17.27080843 0.000 90.700 1,566.47
9-30-00 Value before Surr Chg $18.58958874 0.000 90.700 1,686.08
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 90.647 1,685.08
9-30-00 GVP Charge 0.00 $18.58958874 0.000 90.647 1,685.08
9-30-00 Surrender Charge $18.58958874 0.000 90.647 1,685.08
Cumulative Total Returns without/with chgs. 85.90% A 68.51% C
Avg. Annual Total Returns without/with chgs. 7.40% B 6.19% D
Franklin Small Cap
11-1-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-1-96 Contract Fee (1.00) $12.08477157 (0.083) 99.917 1,207.48
11-1-96 GVP Charge (36.22) $12.08477157 (2.998) 96.920 1,171.25
11-1-97 Contract Fee (1.00) $15.37836061 (0.065) 96.855 1,489.47
11-1-97 GVP Charge (44.68) $15.37836061 (2.906) 93.949 1,444.78
11-1-98 Contract Fee (1.00) $12.30925627 (0.081) 93.868 1,155.44
11-1-98 GVP Charge 0.00 $12.30925627 0.000 93.868 1,155.44
11-1-99 Contract Fee (1.00) $19.44172551 (0.051) 93.816 1,823.95
11-1-99 GVP Charge (54.72) $19.44172551 (2.814) 91.002 1,769.23
9-30-00 Value before Surr Chg $29.08564041 0.000 91.002 2,646.85
9-30-00 Contract Fee (1.00) $29.08564041 (0.034) 90.968 2,645.85
9-30-00 GVP Charge (72.63) $29.08564041 (2.497) 88.470 2,573.21
9-30-00 Surrender Charge (50.00) $29.08564041 (1.719) 86.751 2,523.21
Cumulative Total Returns without/with chgs. 190.86% A 152.32% C
Avg. Annual Total Returns without/with chgs. 24.25% B 20.71% D
Franklin U.S. Government
3-14-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-14-90 Contract Fee (1.00) $10.24862347 (0.098) 99.902 1,023.86
3-14-90 GVP Charge 0.00 $10.24862347 0.000 99.902 1,023.86
3-14-91 Contract Fee (1.00) $11.32798801 (0.088) 99.814 1,130.69
3-14-91 GVP Charge (24.92) $11.32798801 (2.200) 97.614 1,105.77
3-14-92 Contract Fee (1.00) $12.18181576 (0.082) 97.532 1,188.12
3-14-92 GVP Charge 0.00 $12.18181576 0.000 97.532 1,188.12
3-14-93 Contract Fee (1.00) $13.77037133 (0.073) 97.459 1,342.05
3-14-93 GVP Charge (40.26) $13.77037133 (2.924) 94.536 1,301.79
3-14-94 Contract Fee (1.00) $13.84836572 (0.072) 94.463 1,308.16
3-14-94 GVP Charge 0.00 $13.84836572 0.000 94.463 1,308.16
3-14-95 Contract Fee (1.00) $14.15735722 (0.071) 94.393 1,336.35
3-14-95 GVP Charge 0.00 $14.15735722 0.000 94.393 1,336.35
3-14-96 Contract Fee (1.00) $15.27269662 (0.065) 94.327 1,440.63
3-14-96 GVP Charge 0.00 $15.27269662 0.000 94.327 1,440.63
3-14-97 Contract Fee (1.00) $15.94551552 (0.063) 94.265 1,503.10
3-14-97 GVP Charge 0.00 $15.94551552 0.000 94.265 1,503.10
3-14-98 Contract Fee (1.00) $17.24008637 (0.058) 94.207 1,624.13
3-14-98 GVP Charge (0.78) $17.24008637 (0.045) 94.161 1,623.34
3-14-99 Contract Fee (1.00) $17.83607388 (0.056) 94.105 1,678.46
3-14-99 GVP Charge 0.00 $17.83607388 0.000 94.105 1,678.46
3-14-00 Contract Fee (1.00) $17.44443142 (0.057) 94.048 1,640.61
3-14-00 GVP Charge 0.00 $17.44443142 0.000 94.048 1,640.61
9-30-00 Value before Surr Chg $18.28976296 0.000 94.048 1,720.11
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9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 93.993 1,719.11
9-30-00 GVP Charge 0.00 $18.28976296 0.000 93.993 1,719.11
9-30-00 Surrender Charge $18.28976296 0.000 93.993 1,719.11
Cumulative Total Returns without/with chgs. 82.90% A 71.91% C
Avg. Annual Total Returns without/with chgs. 5.36% B 4.80% D
JP Morgan International Opportunities
1-3-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-3-96 Contract Fee (1.00) $11.11911476 (0.090) 99.910 1,110.91
1-3-96 GVP Charge (30.91) $11.11911476 (2.780) 97.130 1,080.00
1-3-97 Contract Fee (1.00) $12.04316520 (0.083) 97.047 1,168.75
1-3-97 GVP Charge (2.35) $12.04316520 (0.195) 96.852 1,166.40
1-3-98 Contract Fee (1.00) $12.65613410 (0.079) 96.773 1,224.77
1-3-98 GVP Charge 0.00 $12.65613410 0.000 96.773 1,224.77
1-3-99 Contract Fee (1.00) $12.95132100 (0.077) 96.695 1,252.33
1-3-99 GVP Charge 0.00 $12.95132100 0.000 96.695 1,252.33
1-3-00 Contract Fee (1.00) $17.39950606 (0.057) 96.638 1,681.45
1-3-00 GVP Charge (50.44) $17.39950606 (2.899) 93.739 1,631.01
9-30-00 Value before Surr Chg $15.21573694 0.000 93.739 1,426.30
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 93.673 1,425.30
9-30-00 GVP Charge 0.00 $15.21573694 0.000 93.673 1,425.30
9-30-00 Surrender Charge (40.00) $15.21573694 (2.629) 91.044 1,385.30
Cumulative Total Returns without/with chgs. 52.16% A 38.53% C
Avg. Annual Total Returns without/with chgs. 7.58% B 5.84% D
JP Morgan US Disciplined Equity
1-3-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-3-96 Contract Fee (1.00) $13.28177866 (0.075) 99.925 1,327.18
1-3-96 GVP Charge (39.82) $13.28177866 (2.998) 96.927 1,287.36
1-3-97 Contract Fee (1.00) $15.76174066 (0.063) 96.864 1,526.74
1-3-97 GVP Charge (45.80) $15.76174066 (2.906) 93.958 1,480.94
1-3-98 Contract Fee (1.00) $19.42810370 (0.051) 93.906 1,824.42
1-3-98 GVP Charge (54.73) $19.42810370 (2.817) 91.089 1,769.69
1-3-99 Contract Fee (1.00) $23.39605820 (0.043) 91.046 2,130.12
1-3-99 GVP Charge (63.90) $23.39605820 (2.731) 88.315 2,066.22
1-3-00 Contract Fee (1.00) $26.94272250 (0.037) 88.278 2,378.44
1-3-00 GVP Charge (71.35) $26.94272250 (2.648) 85.629 2,307.09
9-30-00 Value before Surr Chg $25.06533629 0.000 85.629 2,146.33
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 85.589 2,145.33
9-30-00 GVP Charge 0.00 $25.06533629 0.000 85.589 2,145.33
9-30-00 Surrender Charge (40.00) $25.06533629 (1.596) 83.994 2,105.33
Cumulative Total Returns without/with chgs. 150.65% A 110.53% C
Avg. Annual Total Returns without/with chgs. 17.34% B 13.84% D
Mutual Discovery Securities
11-8-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-8-97 Contract Fee (1.00) $11.77021161 (0.085) 99.915 1,176.02
11-8-97 GVP Charge (35.28) $11.77021161 (2.997) 96.918 1,140.74
11-8-98 Contract Fee (1.00) $10.83109196 (0.092) 96.825 1,048.72
11-8-98 GVP Charge 0.00 $10.83109196 0.000 96.825 1,048.72
11-8-99 Contract Fee (1.00) $12.16319766 (0.082) 96.743 1,176.70
11-8-99 GVP Charge (35.30) $12.16319766 (2.902) 93.841 1,141.40
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9-30-00 Value before Surr Chg $14.31522915 0.000 93.841 1,343.35
9-30-00 Contract Fee (1.00) $14.31522915 (0.070) 93.771 1,342.35
9-30-00 GVP Charge (36.08) $14.31522915 (2.520) 91.251 1,306.27
9-30-00 Surrender Charge (60.00) $14.31522915 (4.191) 87.059 1,246.27
Cumulative Total Returns without/with chgs. 43.15% A 24.63% C
Avg. Annual Total Returns without/with chgs. 9.65% B 5.81% D
Mutual Shares Securities
11-8-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-8-97 Contract Fee (1.00) $11.69170179 (0.086) 99.914 1,168.17
11-8-97 GVP Charge (35.05) $11.69170179 (2.997) 96.917 1,133.13
11-8-98 Contract Fee (1.00) $11.45662233 (0.087) 96.830 1,109.34
11-8-98 GVP Charge 0.00 $11.45662233 0.000 96.830 1,109.34
11-8-99 Contract Fee (1.00) $12.64441642 (0.079) 96.751 1,223.36
11-8-99 GVP Charge (25.27) $12.64441642 (1.998) 94.752 1,198.09
9-30-00 Value before Surr Chg $13.78021233 0.000 94.752 1,305.71
9-30-00 Contract Fee (1.00) $13.78021233 (0.073) 94.680 1,304.71
9-30-00 GVP Charge (18.90) $13.78021233 (1.372) 93.308 1,285.81
9-30-00 Surrender Charge (60.00) $13.78021233 (4.354) 88.954 1,225.81
Cumulative Total Returns without/with chgs. 37.80% A 22.58% C
Avg. Annual Total Returns without/with chgs. 8.58% B 5.36% D
Oppenheimer VA Global Securities
11-12-90 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-12-91 Contract Fee (1.00) $10.40969883 (0.096) 99.904 1,039.97
11-12-91 GVP Charge 0.00 $10.40969883 0.000 99.904 1,039.97
11-12-92 Contract Fee (1.00) $9.23458234 (0.108) 99.796 921.57
11-12-92 GVP Charge 0.00 $9.23458234 0.000 99.796 921.57
11-12-93 Contract Fee (1.00) $13.74836043 (0.073) 99.723 1,371.03
11-12-93 GVP Charge (41.13) $13.74836043 (2.992) 96.731 1,329.90
11-12-94 Contract Fee (1.00) $15.21142746 (0.066) 96.665 1,470.42
11-12-94 GVP Charge (34.13) $15.21142746 (2.244) 94.422 1,436.29
11-12-95 Contract Fee (1.00) $14.13320785 (0.071) 94.351 1,333.48
11-12-95 GVP Charge 0.00 $14.13320785 0.000 94.351 1,333.48
11-12-96 Contract Fee (1.00) $16.05974186 (0.062) 94.289 1,514.25
11-12-96 GVP Charge (45.43) $16.05974186 (2.829) 91.460 1,468.82
11-12-97 Contract Fee (1.00) $19.18508523 (0.052) 91.408 1,753.67
11-12-97 GVP Charge (52.61) $19.18508523 (2.742) 88.666 1,701.06
11-12-98 Contract Fee (1.00) $19.88192345 (0.050) 88.615 1,761.84
11-12-98 GVP Charge 0.00 $19.88192345 0.000 88.615 1,761.84
11-12-99 Contract Fee (1.00) $28.59638771 (0.035) 88.580 2,533.08
11-12-99 GVP Charge (75.99) $28.59638771 (2.657) 85.923 2,457.08
9-30-00 Value before Surr Chg $36.89037351 0.000 85.923 3,169.73
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 85.896 3,168.73
9-30-00 GVP Charge (84.12) $36.89037351 (2.280) 83.615 3,084.60
9-30-00 Surrender Charge $36.89037351 0.000 83.615 3,084.60
Cumulative Total Returns without/with chgs. 268.90% A 208.46% C
Avg. Annual Total Returns without/with chgs. 14.11% B 12.06% D
Oppenheimer VA High Income
4-30-86 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-30-87 Contract Fee (1.00) $10.92262432 (0.092) 99.908 1,091.26
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4-30-87 GVP Charge (11.26) $10.92262432 (1.031) 98.877 1,080.00
4-30-88 Contract Fee (1.00) $11.57143431 (0.086) 98.791 1,143.15
4-30-88 GVP Charge 0.00 $11.57143431 0.000 98.791 1,143.15
4-30-89 Contract Fee (1.00) $12.58679964 (0.079) 98.711 1,242.46
4-30-89 GVP Charge (7.86) $12.58679964 (0.624) 98.087 1,234.60
4-30-90 Contract Fee (1.00) $12.87543206 (0.078) 98.010 1,261.92
4-30-90 GVP Charge 0.00 $12.87543206 0.000 98.010 1,261.92
4-30-91 Contract Fee (1.00) $15.07172623 (0.066) 97.943 1,476.17
4-30-91 GVP Charge (44.29) $15.07172623 (2.938) 95.005 1,431.89
4-30-92 Contract Fee (1.00) $18.63505794 (0.054) 94.951 1,769.42
4-30-92 GVP Charge (53.08) $18.63505794 (2.849) 92.103 1,716.34
4-30-93 Contract Fee (1.00) $21.85164670 (0.046) 92.057 2,011.60
4-30-93 GVP Charge (60.35) $21.85164670 (2.762) 89.295 1,951.25
4-30-94 Contract Fee (1.00) $23.71192332 (0.042) 89.253 2,116.36
4-30-94 GVP Charge (9.01) $23.71192332 (0.380) 88.873 2,107.35
4-30-95 Contract Fee (1.00) $24.94941287 (0.040) 88.833 2,216.33
4-30-95 GVP Charge 0.00 $24.94941287 0.000 88.833 2,216.33
4-30-96 Contract Fee (1.00) $28.60890278 (0.035) 88.798 2,540.41
4-30-96 GVP Charge (76.21) $28.60890278 (2.664) 86.134 2,464.20
4-30-97 Contract Fee (1.00) $31.09639056 (0.032) 86.102 2,677.46
4-30-97 GVP Charge (16.12) $31.09639056 (0.518) 85.583 2,661.33
4-30-98 Contract Fee (1.00) $35.31094923 (0.028) 85.555 3,021.03
4-30-98 GVP Charge (90.63) $35.31094923 (2.567) 82.988 2,930.40
4-30-99 Contract Fee (1.00) $35.28801380 (0.028) 82.960 2,927.50
4-30-99 GVP Charge 0.00 $35.28801380 0.000 82.960 2,927.50
4-30-00 Contract Fee (1.00) $33.54638171 (0.030) 82.930 2,782.01
4-30-00 GVP Charge 0.00 $33.54638171 0.000 82.930 2,782.01
9-30-00 Value before Surr Chg $34.03725742 0.000 82.930 2,822.72
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 82.901 2,821.72
9-30-00 GVP Charge 0.00 $34.03725742 0.000 82.901 2,821.72
9-30-00 Surrender Charge $34.03725742 0.000 82.901 2,821.72
Cumulative Total Returns without/with chgs. 240.37% A 182.17% C
Avg. Annual Total Returns without/with chgs. 8.86% B 7.45% D
Oppenheimer VA Main Street Growth & Income
7-5-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-5-96 Contract Fee (1.00) $14.24962194 (0.070) 99.930 $1,423.96
7-5-96 GVP Charge (42.72) $14.24962194 (2.998) 96.932 $1,381.24
7-5-97 Contract Fee (1.00) $18.58915886 (0.054) 96.878 $1,800.88
7-5-97 GVP Charge (54.03) $18.58915886 (2.906) 93.972 $1,746.86
7-5-98 Contract Fee (1.00) $23.52579786 (0.043) 93.929 $2,209.76
7-5-98 GVP Charge (66.29) $23.52579786 (2.818) 91.111 $2,143.47
7-5-99 Contract Fee (1.00) $24.58664141 (0.041) 91.071 $2,239.12
7-5-99 GVP Charge 0.00 $24.58664141 0.000 91.071 $2,239.12
7-5-00 Contract Fee (1.00) $25.02909701 (0.040) 91.031 $2,278.42
7-5-00 GVP Charge 0.00 $25.02909701 0.000 91.031 $2,278.42
9-30-00 Value before Surr Chg $25.53935132 0.000 91.031 $2,324.87
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 90.992 $2,323.87
9-30-00 GVP Charge 0.00 $25.53935132 0.000 90.992 $2,323.87
9-30-00 Surrender Charge (40.00) $25.53935132 (1.566) 89.425 $2,283.87
Cumulative Total Returns without/with chgs. 155.39% A 128.39% C
Avg. Annual Total Returns without/with chgs. 19.58% B 17.06% D
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PIMCO VIT High Yield Bond
4-30-98 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-30-99 Contract Fee (1.00) $10.32991841 (0.097) 99.903 1,031.99
4-30-99 GVP Charge 0.00 $10.32991841 0.000 99.903 1,031.99
4-30-00 Contract Fee (1.00) $9.85114163 (0.102) 99.802 983.16
4-30-00 GVP Charge 0.00 $9.85114163 0.000 99.802 983.16
9-30-00 Value before Surr Chg $10.09493539 0.000 99.802 1,007.49
9-30-00 Contract Fee (1.00) $10.09493539 (0.099) 99.703 1,006.49
9-30-00 GVP Charge 0.00 $10.09493539 0.000 99.703 1,006.49
9-30-00 Surrender Charge (70.00) $10.09493539 (6.934) 92.768 936.49
Cumulative Total Returns without/with chgs. 0.95% A -6.35% C
Avg. Annual Total Returns without/with chgs. 0.39% B -2.67% D
PIMCO VIT Stocks PLUS Growth & Income
12-31-97 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-31-98 Contract Fee (1.00) $12.75333111 (0.078) 99.922 1,274.33
12-31-98 GVP Charge (38.23) $12.75333111 (2.998) 96.924 1,236.10
12-31-99 Contract Fee (1.00) $14.98093051 (0.067) 96.857 1,451.01
12-31-99 GVP Charge (43.53) $14.98093051 (2.906) 93.951 1,407.48
9-30-00 Value before Surr Chg $14.32786250 0.000 93.951 1,346.12
9-30-00 Contract Fee (1.00) $14.32786250 (0.070) 93.882 1,345.12
9-30-00 GVP Charge 0.00 $14.32786250 0.000 93.882 1,345.12
9-30-00 Surrender Charge (70.00) $14.32786250 (4.886) 88.996 1,275.12
Cumulative Total Returns without/with chgs. 43.28% A 27.51% C
Avg. Annual Total Returns without/with chgs. 13.97% B 9.24% D
PIMCO VIT Total Return Bond
12-31-97 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-31-98 Contract Fee (1.00) $10.64625330 (0.094) 99.906 1,063.63
12-31-98 GVP Charge 0.00 $10.64625330 0.000 99.906 1,063.63
12-31-99 Contract Fee (1.00) $10.37442795 (0.096) 99.810 1,035.47
12-31-99 GVP Charge 0.00 $10.37442795 0.000 99.810 1,035.47
9-30-00 Value before Surr Chg $10.84705164 0.000 99.810 1,082.64
9-30-00 Contract Fee (1.00) $10.84705164 (0.092) 99.717 1,081.64
9-30-00 GVP Charge 0.00 $10.84705164 0.000 99.717 1,081.64
9-30-00 Surrender Charge (70.00) $10.84705164 (6.453) 93.264 1,011.64
Cumulative Total Returns without/with chgs. 8.47% A 1.16% C
Avg. Annual Total Returns without/with chgs. 3.00% B 0.42% D
Seligman Henderson Global Technology
5-2-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-2-97 Contract Fee (1.00) $10.26412987 (0.097) 99.903 1,025.41
5-2-97 GVP Charge 0.00 $10.26412987 0.000 99.903 1,025.41
5-2-98 Contract Fee (1.00) $14.76494577 (0.068) 99.835 1,474.06
5-2-98 GVP Charge (44.22) $14.76494577 (2.995) 96.840 1,429.83
5-2-99 Contract Fee (1.00) $17.45219058 (0.057) 96.783 1,689.07
5-2-99 GVP Charge (50.67) $17.45219058 (2.903) 93.879 1,638.39
5-2-00 Contract Fee (1.00) $38.34456837 (0.026) 93.853 3,598.75
5-2-00 GVP Charge (107.96) $38.34456837 (2.816) 91.037 3,490.79
9-30-00 Value before Surr Chg $32.55158097 0.000 91.037 2,963.41
9-30-00 Contract Fee (1.00) $32.55158097 (0.031) 91.007 2,962.41
9-30-00 GVP Charge 0.00 $32.55158097 0.000 91.007 2,962.41
<PAGE>
9-30-00 Surrender Charge (50.00) $32.55158097 (1.536) 89.471 2,912.41
Cumulative Total Returns without/with chgs. 225.52% A 191.24% C
Avg. Annual Total Returns without/with chgs. 30.64% B 27.39% D
Seligman Small Cap Value
5-1-98 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-1-99 Contract Fee (1.00) $10.68462602 (0.094) 99.906 1,067.46
5-1-99 GVP Charge 0.00 $10.68462602 0.000 99.906 1,067.46
5-1-00 Contract Fee (1.00) $11.92020181 (0.084) 99.823 1,189.90
5-1-00 GVP Charge (35.70) $11.92020181 (2.995) 96.828 1,154.21
9-30-00 Value before Surr Chg $12.81486337 0.000 96.828 1,240.84
9-30-00 Contract Fee (1.00) $12.81486337 (0.078) 96.750 1,239.84
9-30-00 GVP Charge 0.00 $12.81486337 0.000 96.750 1,239.84
9-30-00 Surrender Charge (70.00) $12.81486337 (5.462) 91.287 1,169.84
Cumulative Total Returns without/with chgs. 28.15% A 16.98% C
Avg. Annual Total Returns without/with chgs. 10.80% B 6.70% D
Templeton Developing Markets Equity
3-15-94 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-15-95 Contract Fee (1.00) $8.57672908 (0.117) 99.883 856.67
3-15-95 GVP Charge 0.00 $8.57672908 0.000 99.883 856.67
3-15-96 Contract Fee (1.00) $10.17284817 (0.098) 99.785 1,015.10
3-15-96 GVP Charge (30.45) $10.17284817 (2.994) 96.792 984.65
3-15-97 Contract Fee (1.00) $12.23119528 (0.082) 96.710 1,182.88
3-15-97 GVP Charge (35.49) $12.23119528 (2.901) 93.808 1,147.39
3-15-98 Contract Fee (1.00) $10.30201023 (0.097) 93.711 965.42
3-15-98 GVP Charge 0.00 $10.30201023 0.000 93.711 965.42
3-15-99 Contract Fee (1.00) $7.98052767 (0.125) 93.586 746.87
3-15-99 GVP Charge 0.00 $7.98052767 0.000 93.586 746.87
3-15-00 Contract Fee (1.00) $11.05251029 (0.090) 93.496 1,033.36
3-15-00 GVP Charge (31.00) $11.05251029 (2.805) 90.691 1,002.36
9-30-00 Value before Surr Chg $8.65965003 0.000 90.691 785.35
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 90.575 784.35
9-30-00 GVP Charge 0.00 $8.65965003 0.000 90.575 784.35
9-30-00 Surrender Charge (30.00) $8.65965003 (3.464) 87.111 754.35
Cumulative Total Returns without/with chgs. -13.40% A -24.56% C
Avg. Annual Total Returns without/with chgs. -2.17% B -4.21% D
Templeton Global Growth
3-15-94 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-15-95 Contract Fee (1.00) $10.04316645 (0.100) 99.900 1,003.32
3-15-95 GVP Charge 0.00 $10.04316645 0.000 99.900 1,003.32
3-15-96 Contract Fee (1.00) $11.67431538 (0.086) 99.815 1,165.27
3-15-96 GVP Charge (34.96) $11.67431538 (2.994) 96.820 1,130.31
3-15-97 Contract Fee (1.00) $13.84817586 (0.072) 96.748 1,339.78
3-15-97 GVP Charge (40.19) $13.84817586 (2.902) 93.846 1,299.59
3-15-98 Contract Fee (1.00) $16.34575863 (0.061) 93.784 1,532.98
3-15-98 GVP Charge (45.99) $16.34575863 (2.814) 90.971 1,486.99
3-15-99 Contract Fee (1.00) $15.70658714 (0.064) 90.907 1,427.84
3-15-99 GVP Charge 0.00 $15.70658714 0.000 90.907 1,427.84
3-15-00 Contract Fee (1.00) $16.91831435 (0.059) 90.848 1,537.00
3-15-00 GVP Charge 0.00 $16.91831435 0.000 90.848 1,537.00
<PAGE>
9-30-00 Value before Surr Chg $17.74845416 0.000 90.848 1,612.41
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 90.792 1,611.41
9-30-00 GVP Charge 0.00 $17.74845416 0.000 90.792 1,611.41
9-30-00 Surrender Charge (30.00) $17.74845416 (1.690) 89.102 1,581.41
Cumulative Total Returns without/with chgs. 77.48% A 58.14% C
Avg. Annual Total Returns without/with chgs. 9.15% B 7.25% D
Templeton Pacific Growth
1-27-92 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-27-93 Contract Fee (1.00) $9.87300741 (0.101) 99.899 986.30
1-27-93 GVP Charge 0.00 $9.87300741 0.000 99.899 986.30
1-27-94 Contract Fee (1.00) $13.93906078 (0.072) 99.827 1,391.49
1-27-94 GVP Charge (41.74) $13.93906078 (2.995) 96.832 1,349.75
1-27-95 Contract Fee (1.00) $11.73916966 (0.085) 96.747 1,135.73
1-27-95 GVP Charge 0.00 $11.73916966 0.000 96.747 1,135.73
1-27-96 Contract Fee (1.00) $14.15871298 (0.071) 96.676 1,368.81
1-27-96 GVP Charge (41.06) $14.15871298 (2.900) 93.776 1,327.75
1-27-97 Contract Fee (1.00) $14.22565263 (0.070) 93.706 1,333.03
1-27-97 GVP Charge 0.00 $14.22565263 0.000 93.706 1,333.03
1-27-98 Contract Fee (1.00) $8.17062251 (0.122) 93.583 764.63
1-27-98 GVP Charge 0.00 $8.17062251 0.000 93.583 764.63
1-27-99 Contract Fee (1.00) $7.53871739 (0.133) 93.451 704.50
1-27-99 GVP Charge 0.00 $7.53871739 0.000 93.451 704.50
1-27-00 Contract Fee (1.00) $9.89956666 (0.101) 93.350 924.12
1-27-00 GVP Charge (27.72) $9.89956666 (2.800) 90.549 896.40
9-30-00 Value before Surr Chg $8.06975054 0.000 90.549 730.71
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 90.425 729.71
9-30-00 GVP Charge 0.00 $8.06975054 0.000 90.425 729.71
9-30-00 Surrender Charge $8.06975054 0.000 90.425 729.71
Cumulative Total Returns without/with chgs. -19.30% A -27.03% C
Avg. Annual Total Returns without/with chgs. -2.44% B -3.56% D
Van Kampen LIT Enterprise
4-7-86 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-7-87 Contract Fee (1.00) $11.10667138 (0.090) 99.910 1,109.67
4-7-87 GVP Charge (29.67) $11.10667138 (2.671) 97.239 1,080.00
4-7-88 Contract Fee (1.00) $8.20812277 (0.122) 97.117 797.15
4-7-88 GVP Charge 0.00 $8.20812277 0.000 97.117 797.15
4-7-89 Contract Fee (1.00) $9.76289850 (0.102) 97.015 947.14
4-7-89 GVP Charge (28.41) $9.76289850 (2.910) 94.104 918.73
4-7-90 Contract Fee (1.00) $11.32271081 (0.088) 94.016 1,064.51
4-7-90 GVP Charge (31.94) $11.32271081 (2.820) 91.195 1,032.58
4-7-91 Contract Fee (1.00) $12.14746430 (0.082) 91.113 1,106.79
4-7-91 GVP Charge 0.00 $12.14746430 0.000 91.113 1,106.79
4-7-92 Contract Fee (1.00) $13.85504400 (0.072) 91.041 1,261.38
4-7-92 GVP Charge (37.84) $13.85504400 (2.731) 88.310 1,223.53
4-7-93 Contract Fee (1.00) $15.54935806 (0.064) 88.245 1,372.16
4-7-93 GVP Charge (41.16) $15.54935806 (2.647) 85.598 1,330.99
4-7-94 Contract Fee (1.00) $15.55245593 (0.064) 85.534 1,330.26
4-7-94 GVP Charge 0.00 $15.55245593 0.000 85.534 1,330.26
4-7-95 Contract Fee (1.00) $16.69217216 (0.060) 85.474 1,426.74
4-7-95 GVP Charge 0.00 $16.69217216 0.000 85.474 1,426.74
<PAGE>
4-7-96 Contract Fee (1.00) $22.08305217 (0.045) 85.428 1,886.52
4-7-96 GVP Charge (56.60) $22.08305217 (2.563) 82.866 1,829.93
4-7-97 Contract Fee (1.00) $23.94544248 (0.042) 82.824 1,983.25
4-7-97 GVP Charge (6.93) $23.94544248 (0.290) 82.534 1,976.32
4-7-98 Contract Fee (1.00) $34.50463986 (0.029) 82.505 2,846.82
4-7-98 GVP Charge (85.40) $34.50463986 (2.475) 80.030 2,761.41
4-7-99 Contract Fee (1.00) $39.04557018 (0.026) 80.005 3,123.82
4-7-99 GVP Charge (93.71) $39.04557018 (2.400) 77.604 3,030.11
4-7-00 Contract Fee (1.00) $46.12858008 (0.022) 77.583 3,578.78
4-7-00 GVP Charge (107.36) $46.12858008 (2.327) 75.255 3,471.42
9-30-00 Value before Surr Chg $41.98527185 0.000 75.255 3,159.61
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 75.231 3,158.61
9-30-00 GVP Charge 0.00 $41.98527185 0.000 75.231 3,158.61
9-30-00 Surrender Charge $41.98527185 0.000 75.231 3,158.61
Cumulative Total Returns without/with chgs. 319.85% A 215.86% C
Avg. Annual Total Returns without/with chgs. 10.41% B 8.26% D
Van Kampen LIT Growth &Income
12-23-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-23-97 Contract Fee (1.00) $12.18862289 (0.082) 99.918 1,217.86
12-23-97 GVP Charge (36.54) $12.18862289 (2.998) 96.920 1,181.33
12-23-98 Contract Fee (1.00) $13.77679746 (0.073) 96.848 1,334.25
12-23-98 GVP Charge (40.03) $13.77679746 (2.905) 93.942 1,294.23
12-23-99 Contract Fee (1.00) $14.67005371 (0.068) 93.874 1,377.14
12-23-99 GVP Charge 0.00 $14.67005371 0.000 93.874 1,377.14
9-30-00 Value before Surr Chg $16.73284193 0.000 93.874 1,570.78
9-30-00 Contract Fee (1.00) $16.73284193 (0.060) 93.814 1,569.78
9-30-00 GVP Charge (36.38) $16.73284193 (2.174) 91.640 1,533.40
9-30-00 Surrender Charge (60.00) $16.73284193 (3.586) 88.054 1,473.40
Cumulative Total Returns without/with chgs. 67.33% A 47.34% C
Avg. Annual Total Returns without/with chgs. 14.62% B 10.82% D
USAllianz VIP Diversified Assets
11-12-99 Purchase $1,000.00 $10.08502511 99.157 99.157 $1,000.00
9-30-00 Contract Fee (1.00) $10.42760383 (0.096) 99.061 1,032.97
9-30-00 GVP Charge 0.00 $10.42760383 0.000 99.061 1,032.97
9-30-00 Value before Surr Chg $10.42760383 0.000 99.061 1,032.97
9-30-00 Surrender Charge (80.00) $10.42760383 (7.672) 91.389 952.97
Cumulative and Average Annual Total Returns
without/with charges 3.40% A -4.70% B
Avg. Annual Total Returns without/with chgs. 3.85% B -5.30% D
USAllianz VIP Fixed Income Fund
11-12-99 Purchase $1,000.00 $10.01505962 99.850 99.850 $1,000.00
9-30-00 Contract Fee (1.00) $10.25439858 (0.098) 99.752 1,022.90
9-30-00 GVP Charge 0.00 $10.25439858 0.000 99.752 1,022.90
9-30-00 Value before Surr Chg $10.25439858 0.000 99.752 1,022.90
9-30-00 Surrender Charge (80.00) $10.25439858 (7.802) 91.951 942.90
Cumulative and Average Annual Total Returns
without/with charges 2.39% A -5.71% B
Avg. Annual Total Returns without/with chgs. 2.70% B -6.43% D
<PAGE>
USAllianz VIP Global Opportunities Fund
2-1-00 Purchase $1,000.00 $9.99945205 100.005 100.005 $1,000.00
9-30-00 Contract Fee (1.00) $9.09854094 (0.110) 99.896 908.90
9-30-00 GVP Charge 0.00 $9.09854094 0.000 99.896 908.90
9-30-00 Value before Surr Chg $9.09854094 0.000 99.896 908.90
9-30-00 Surrender Charge (80.00) $9.09854094 (8.793) 91.103 828.90
Cumulative and Average Annual Total Returns
without/with charges -9.01% A -17.11% B
Avg. Annual Total Returns without/with chgs. -13.27% B -24.65% D
USAllianz Growth Fund
11-12-99 Purchase $1,000.00 $10.18497580 98.184 98.184 $1,000.00
9-30-00 Contract Fee (1.00) $10.63878950 (0.094) 98.090 1,043.56
9-30-00 GVP Charge 0.00 $10.63878950 0.000 98.090 1,043.56
9-30-00 Value before Surr Chg $10.63878950 0.000 98.090 1,043.56
9-30-00 Surrender Charge (80.00) $10.63878950 (7.520) 90.570 963.56
Cumulative and Average Annual Total Returns
without/with charges 4.46% A -3.64% B
Avg. Annual Total Returns without/with chgs. 5.05% B -4.11% D
USAllianz Money Market Fund
2-1-00 Purchase $1,000.00 $10.00100484 99.990 99.990 $1,000.00
9-30-00 Contract Fee (1.00) $10.22492091 (0.098) 99.892 1,021.39
9-30-00 GVP Charge 0.00 $10.22492091 0.000 99.892 1,021.39
9-30-00 Value before Surr Chg $10.22492091 0.000 99.892 1,021.39
9-30-00 Surrender Charge (80.00) $10.22492091 (7.824) 92.068 941.39
Cumulative and Average Annual Total Returns
without/with charges 2.24% A -5.86% B
Avg. Annual Total Returns without/with chgs. 3.40% B -8.71% D
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/Years since Inception)]-1 C = (Accumulated Value as of
September 30, 2000 - Accum. Value at Purch.)/Accum. Value at Purch.
D = [(C+1)^(1/Years since Inception)]-1
</FN>
</TABLE>
<TABLE>
<CAPTION>
Dimensions Enhanced 5% GVP
Allianz Life Variable Account B
Cumulative and Average Annual Total Return Calculations - HYPOTHETICAL
Original Purchase as of Sub-Account Inception
Valuation Date as of September 30, 2000
Dollar Units This Accum. Accum.
Date Transaction avount Unit Value Trans. Units Value
AIM VI Capital Appreciation
<PAGE>
<S> <C> <C> <C> <C> <C> <C>
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.72237979 (0.085) 99.915 1,171.24
5-5-94 GVP Charge (58.56) $11.72237979 (4.996) 94.919 1,112.68
5-5-95 Contract Fee (1.00) $12.99224413 (0.077) 94.842 1,232.21
5-5-95 GVP Charge (30.52) $12.99224413 (2.349) 92.493 1,201.69
5-5-96 Contract Fee (1.00) $17.47704841 (0.057) 92.436 1,615.50
5-5-96 GVP Charge (80.78) $17.47704841 (4.622) 87.814 1,534.73
5-5-97 Contract Fee (1.00) $18.21282209 (0.055) 87.759 1,598.34
5-5-97 GVP Charge 0.00 $18.21282209 0.000 87.759 1,598.34
5-5-98 Contract Fee (1.00) $22.85348361 (0.044) 87.715 2,004.60
5-5-98 GVP Charge (100.23) $22.85348361 (4.386) 83.329 1,904.37
5-5-99 Contract Fee (1.00) $24.21388879 (0.041) 83.288 2,016.73
5-5-99 GVP Charge 0.00 $24.21388879 0.000 83.288 2,016.73
5-5-00 Contract Fee (1.00) $34.28102994 (0.029) 83.259 2,854.20
5-5-00 GVP Charge (142.71) $34.28102994 (4.163) 79.096 2,711.49
9-30-00 Value before Surr Chg $37.76177365 0.000 79.096 2,986.81
9-30-00 Contract Fee (1.00) $37.76177365 (0.026) 79.070 2,985.81
9-30-00 GVP Charge (60.53) $37.76177365 (1.603) 77.467 2,925.27
9-30-00 Surrender Charge $37.76177365 0.000 79.070 2,985.81
Cumulative Total Returns without/with chgs. 277.62% A 198.58% C
Avg. Annual Total Returns without/with chgs. 19.64% B 15.91% D
AIM VI Growth
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $10.44472492 (0.096) 99.904 1,043.47
5-5-94 GVP Charge 0.00 $10.44472492 0.000 99.904 1,043.47
5-5-95 Contract Fee (1.00) $11.60680681 (0.086) 99.818 1,158.57
5-5-95 GVP Charge (31.62) $11.60680681 (2.724) 97.094 1,126.95
5-5-96 Contract Fee (1.00) $14.57063774 (0.069) 97.025 1,413.72
5-5-96 GVP Charge (70.69) $14.57063774 (4.851) 92.174 1,343.03
5-5-97 Contract Fee (1.00) $17.04874383 (0.059) 92.115 1,570.45
5-5-97 GVP Charge (78.52) $17.04874383 (4.606) 87.510 1,491.93
5-5-98 Contract Fee (1.00) $22.82248795 (0.044) 87.466 1,996.19
5-5-98 GVP Charge (99.81) $22.82248795 (4.373) 83.092 1,896.38
5-5-99 Contract Fee (1.00) $27.77490672 (0.036) 83.056 2,306.89
5-5-99 GVP Charge (115.34) $27.77490672 (4.153) 78.904 2,191.54
5-5-00 Contract Fee (1.00) $35.83484327 (0.028) 78.876 2,826.50
5-5-00 GVP Charge (141.33) $35.83484327 (3.944) 74.932 2,685.18
9-30-00 Value before Surr Chg $34.84992418 0.000 74.932 2,611.37
9-30-00 Contract Fee (1.00) $34.84992418 (0.029) 74.903 2,610.37
9-30-00 GVP Charge 0.00 $34.84992418 0.000 74.903 2,610.37
9-30-00 Surrender Charge $34.84992418 0.000 74.903 2,610.37
Cumulative Total Returns without/with chgs. 248.50% A 161.04% C
Avg. Annual Total Returns without/with chgs. 18.35% B 13.82% D
AIM VI International Equity
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.52712399 (0.087) 99.913 1,151.71
5-5-94 GVP Charge (57.59) $11.52712399 (4.996) 94.918 1,094.13
5-5-95 Contract Fee (1.00) $11.84609248 (0.084) 94.833 1,123.40
5-5-95 GVP Charge 0.00 $11.84609248 0.000 94.833 1,123.40
<PAGE>
5-5-96 Contract Fee (1.00) $14.10656966 (0.071) 94.762 1,336.77
5-5-96 GVP Charge (66.84) $14.10656966 (4.738) 90.024 1,269.93
5-5-97 Contract Fee (1.00) $15.48746008 (0.065) 89.960 1,393.25
5-5-97 GVP Charge (21.72) $15.48746008 (1.402) 88.557 1,371.53
5-5-98 Contract Fee (1.00) $18.84837247 (0.053) 88.504 1,668.16
5-5-98 GVP Charge (83.41) $18.84837247 (4.425) 84.079 1,584.75
5-5-99 Contract Fee (1.00) $18.39170852 (0.054) 84.025 1,545.36
5-5-99 GVP Charge 0.00 $18.39170852 0.000 84.025 1,545.36
5-5-00 Contract Fee (1.00) $25.03694968 (0.040) 83.985 2,102.72
5-5-00 GVP Charge (105.14) $25.03694968 (4.199) 79.785 1,997.58
9-30-00 Value before Surr Chg $22.54366313 0.000 79.785 1,798.66
9-30-00 Contract Fee (1.00) $22.54366313 (0.044) 79.741 1,797.66
9-30-00 GVP Charge 0.00 $22.54366313 0.000 79.741 1,797.66
9-30-00 Surrender Charge $22.54366313 0.000 79.741 1,797.66
Cumulative Total Returns without/with chgs. 125.44% A 79.77% C
Avg. Annual Total Returns without/with chgs. 11.59% B 8.24% D
AIM VI Value
5-5-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-5-94 Contract Fee (1.00) $11.54931581 (0.087) 99.913 1,153.93
5-5-94 GVP Charge (57.70) $11.54931581 (4.996) 94.918 1,096.24
5-5-95 Contract Fee (1.00) $12.98079689 (0.077) 94.841 1,231.11
5-5-95 GVP Charge (47.17) $12.98079689 (3.634) 91.207 1,183.93
5-5-96 Contract Fee (1.00) $15.54679895 (0.064) 91.142 1,416.97
5-5-96 GVP Charge (70.85) $15.54679895 (4.557) 86.585 1,346.12
5-5-97 Contract Fee (1.00) $18.59304239 (0.054) 86.531 1,608.88
5-5-97 GVP Charge (80.44) $18.59304239 (4.327) 82.205 1,528.44
5-5-98 Contract Fee (1.00) $23.78048344 (0.042) 82.163 1,953.87
5-5-98 GVP Charge (97.69) $23.78048344 (4.108) 78.055 1,856.18
5-5-99 Contract Fee (1.00) $29.71236376 (0.034) 78.021 2,318.19
5-5-99 GVP Charge (115.91) $29.71236376 (3.901) 74.120 2,202.28
5-5-00 Contract Fee (1.00) $35.18596693 (0.028) 74.091 2,606.98
5-5-00 GVP Charge (130.35) $35.18596693 (3.705) 70.387 2,476.63
9-30-00 Value before Surr Chg $32.09497972 0.000 70.387 2,259.07
9-30-00 Contract Fee (1.00) $32.09497972 (0.031) 70.356 2,258.07
9-30-00 GVP Charge 0.00 $32.09497972 0.000 70.356 2,258.07
9-30-00 Surrender Charge $32.09497972 0.000 70.356 2,258.07
Cumulative Total Returns without/with chgs. 220.95% A 125.81% C
Avg. Annual Total Returns without/with chgs. 17.04% B 11.62% D
Alger American Growth
1-9-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-9-90 Contract Fee (1.00) $12.20326352 (0.082) 99.918 1,219.33
1-9-90 GVP Charge (60.97) $12.20326352 (4.996) 94.922 1,158.36
1-9-91 Contract Fee (1.00) $11.80726662 (0.085) 94.837 1,119.77
1-9-91 GVP Charge 0.00 $11.80726662 0.000 94.837 1,119.77
1-9-92 Contract Fee (1.00) $17.87890783 (0.056) 94.782 1,694.59
1-9-92 GVP Charge (84.73) $17.87890783 (4.739) 90.042 1,609.86
1-9-93 Contract Fee (1.00) $18.88709882 (0.053) 89.990 1,699.64
1-9-93 GVP Charge 0.00 $18.88709882 0.000 89.990 1,699.64
1-9-94 Contract Fee (1.00) $23.16290802 (0.043) 89.946 2,083.42
1-9-94 GVP Charge (104.17) $23.16290802 (4.497) 85.449 1,979.25
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1-9-95 Contract Fee (1.00) $22.56438191 (0.044) 85.405 1,927.10
1-9-95 GVP Charge 0.00 $22.56438191 0.000 85.405 1,927.10
1-9-96 Contract Fee (1.00) $28.04849514 (0.036) 85.369 2,394.47
1-9-96 GVP Charge (119.72) $28.04849514 (4.268) 81.101 2,274.75
1-9-97 Contract Fee (1.00) $34.44054001 (0.029) 81.072 2,792.15
1-9-97 GVP Charge (139.61) $34.44054001 (4.054) 77.018 2,652.54
1-9-98 Contract Fee (1.00) $39.51722321 (0.025) 76.993 3,042.54
1-9-98 GVP Charge (152.13) $39.51722321 (3.850) 73.143 2,890.41
1-9-99 Contract Fee (1.00) $61.75801870 (0.016) 73.127 4,516.17
1-9-99 GVP Charge (225.81) $61.75801870 (3.656) 69.471 4,290.36
1-9-00 Contract Fee (1.00) $76.66857137 (0.013) 69.457 5,325.20
1-9-00 GVP Charge (266.26) $76.66857137 (3.473) 65.985 5,058.94
9-30-00 Value before Surr Chg $77.34625720 0.000 65.985 5,103.66
9-30-00 Contract Fee (1.00) $77.34625720 (0.013) 65.972 5,102.66
9-30-00 GVP Charge 0.00 $77.34625720 0.000 65.972 5,102.66
9-30-00 Surrender Charge $77.34625720 0.000 65.972 5,102.66
Cumulative Total Returns without/with chgs. 673.46% A 410.27% C
Avg. Annual Total Returns without/with chgs. 19.05% B 14.90% D
Alger American Leveraged AllCap
1-25-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-25-96 Contract Fee (1.00) $17.13385437 (0.058) 99.942 1,712.39
1-25-96 GVP Charge (85.62) $17.13385437 (4.997) 94.945 1,626.77
1-25-97 Contract Fee (1.00) $19.92577430 (0.050) 94.894 1,890.84
1-25-97 GVP Charge (94.54) $19.92577430 (4.745) 90.150 1,796.30
1-25-98 Contract Fee (1.00) $21.67929603 (0.046) 90.104 1,953.38
1-25-98 GVP Charge (13.38) $21.67929603 (0.617) 89.487 1,940.01
1-25-99 Contract Fee (1.00) $35.56191602 (0.028) 89.458 3,181.31
1-25-99 GVP Charge (159.07) $35.56191602 (4.473) 84.986 3,022.25
1-25-00 Contract Fee (1.00) $60.71000008 (0.016) 84.969 5,158.47
1-25-00 GVP Charge (257.92) $60.71000008 (4.248) 80.721 4,900.55
9-30-00 Value before Surr Chg $56.45017474 0.000 80.721 4,556.69
9-30-00 Contract Fee (1.00) $56.45017474 (0.018) 80.703 4,555.69
9-30-00 GVP Charge 0.00 $56.45017474 0.000 80.703 4,555.69
9-30-00 Surrender Charge (40.00) $56.45017474 (0.709) 79.994 4,515.69
Cumulative Total Returns without/with chgs. 464.50% A 351.57% C
Avg. Annual Total Returns without/with chgs. 35.59% B 30.37% D
Alger American MidCap Growth
5-3-93 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-3-94 Contract Fee (1.00) $12.90871581 (0.077) 99.923 1,289.87
5-3-94 GVP Charge (64.49) $12.90871581 (4.996) 94.926 1,225.38
5-3-95 Contract Fee (1.00) $14.75502805 (0.068) 94.859 1,399.64
5-3-95 GVP Charge (69.98) $14.75502805 (4.743) 90.116 1,329.66
5-3-96 Contract Fee (1.00) $20.59729592 (0.049) 90.067 1,855.14
5-3-96 GVP Charge (92.76) $20.59729592 (4.503) 85.564 1,762.38
5-3-97 Contract Fee (1.00) $19.88471200 (0.050) 85.514 1,700.41
5-3-97 GVP Charge 0.00 $19.88471200 0.000 85.514 1,700.41
5-3-98 Contract Fee (1.00) $26.55569031 (0.038) 85.476 2,269.87
5-3-98 GVP Charge (113.49) $26.55569031 (4.274) 81.202 2,156.38
5-3-99 Contract Fee (1.00) $30.93327728 (0.032) 81.170 2,510.85
5-3-99 GVP Charge (125.54) $30.93327728 (4.058) 77.111 2,385.30
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5-3-00 Contract Fee (1.00) $41.09935317 (0.024) 77.087 3,168.22
5-3-00 GVP Charge (158.41) $41.09935317 (3.854) 73.233 3,009.81
9-30-00 Value before Surr Chg $45.70922909 0.000 73.233 3,347.40
9-30-00 Contract Fee (1.00) $45.70922909 (0.022) 73.211 3,346.40
9-30-00 GVP Charge (68.76) $45.70922909 (1.504) 71.706 3,277.64
9-30-00 Surrender Charge $45.70922909 0.000 71.706 3,277.64
Cumulative Total Returns without/with chgs. 357.09% A 227.76% C
Avg. Annual Total Returns without/with chgs. 22.74% B 17.36% D
Alger American Small Capitalization
9-21-88 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
9-21-89 Contract Fee (1.00) $15.18821323 (0.066) 99.934 1,517.82
9-21-89 GVP Charge (75.89) $15.18821323 (4.997) 94.937 1,441.93
9-21-90 Contract Fee (1.00) $14.55653290 (0.069) 94.869 1,380.96
9-21-90 GVP Charge 0.00 $14.55653290 0.000 94.869 1,380.96
9-21-91 Contract Fee (1.00) $21.68144174 (0.046) 94.823 2,055.89
9-21-91 GVP Charge (102.79) $21.68144174 (4.741) 90.081 1,953.10
9-21-92 Contract Fee (1.00) $22.40836902 (0.045) 90.037 2,017.58
9-21-92 GVP Charge 0.00 $22.40836902 0.000 90.037 2,017.58
9-21-93 Contract Fee (1.00) $26.73751485 (0.037) 89.999 2,406.36
9-21-93 GVP Charge (120.32) $26.73751485 (4.500) 85.499 2,286.04
9-21-94 Contract Fee (1.00) $26.10541460 (0.038) 85.461 2,231.00
9-21-94 GVP Charge 0.00 $26.10541460 0.000 85.461 2,231.00
9-21-95 Contract Fee (1.00) $42.79651363 (0.023) 85.438 3,656.44
9-21-95 GVP Charge (182.82) $42.79651363 (4.272) 81.166 3,473.62
9-21-96 Contract Fee (1.00) $40.27453099 (0.025) 81.141 3,267.92
9-21-96 GVP Charge 0.00 $40.27453099 0.000 81.141 3,267.92
9-21-97 Contract Fee (1.00) $45.56507124 (0.022) 81.119 3,696.20
9-21-97 GVP Charge (166.85) $45.56507124 (3.662) 77.457 3,529.35
9-21-98 Contract Fee (1.00) $38.90286937 (0.026) 77.432 3,012.32
9-21-98 GVP Charge 0.00 $38.90286937 0.000 77.432 3,012.32
9-21-99 Contract Fee (1.00) $50.44565049 (0.020) 77.412 3,905.09
9-21-99 GVP Charge (195.25) $50.44565049 (3.871) 73.541 3,709.84
9-21-00 Contract Fee (1.00) $58.97989366 (0.017) 73.524 4,336.46
9-21-00 GVP Charge (216.82) $58.97989366 (3.676) 69.848 4,119.64
9-30-00 Value before Surr Chg $60.48209966 0.000 69.848 4,224.56
9-30-00 Contract Fee (1.00) $60.48209966 (0.017) 69.832 4,223.56
9-30-00 GVP Charge 0.00 $60.48209966 0.000 69.832 4,223.56
9-30-00 Surrender Charge $60.48209966 0.000 69.832 4,223.56
Cumulative Total Returns without/with chgs. 504.82% A 322.36% C
Avg. Annual Total Returns without/with chgs. 16.13% B 12.72% D
Davis VA Financial Portfolio
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $9.81609640 (0.102) 99.898 $980.61
7-1-00 GVP Charge 0.00 $9.81609640 0.000 99.898 $980.61
9-30-00 Value before Surr Chg $11.37070537 0.000 99.898 $1,135.91
9-30-00 Contract Fee (1.00) $11.37070537 (0.088) 99.810 $1,134.91
9-30-00 GVP Charge (14.15) $11.37070537 (1.244) 98.566 $1,120.76
9-30-00 Surrender Charge (70.00) $11.37070537 (6.156) 92.410 $1,050.76
Cumulative Total Returns without/with chgs. 13.71% A 5.08% C
Avg. Annual Total Returns without/with chgs. 10.80% B 4.03% D
<PAGE>
Davis VA Real Estate
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $9.84436997 (0.102) 99.898 $983.44
7-1-00 GVP Charge 0.00 $9.84436997 0.000 99.898 $983.44
9-30-00 Value before Surr Chg $10.29714476 0.000 99.898 $1,028.67
9-30-00 Contract Fee (1.00) $10.29714476 (0.097) 99.801 $1,027.67
9-30-00 GVP Charge 0.00 $10.29714476 0.000 99.801 $1,027.67
9-30-00 Surrender Charge (70.00) $10.29714476 (6.798) 93.003 $957.67
Cumulative Total Returns without/with chgs. 2.97% A -4.23% C
Avg. Annual Total Returns without/with chgs. 2.37% B -3.40% D
Davis VA Value
7-1-99 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-1-00 Contract Fee ($1.00) $10.76699941 (0.093) 99.907 $1,075.70
7-1-00 GVP Charge 0.00 $10.76699941 0.000 99.907 $1,075.70
9-30-00 Value before Surr Chg $10.82087020 0.000 99.907 $1,081.08
9-30-00 Contract Fee (1.00) $10.82087020 (0.092) 99.815 $1,080.08
9-30-00 GVP Charge 0.00 $10.82087020 0.000 99.815 $1,080.08
9-30-00 Surrender Charge (70.00) $10.82087020 (6.469) 93.346 $1,010.08
Cumulative Total Returns without/with chgs. 8.21% A 1.01% C
Avg. Annual Total Returns without/with chgs. 6.50% B 0.80% D
Franklin Growth & Income
1-24-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-24-90 Contract Fee (1.00) $9.55832133 (0.105) 99.895 954.83
1-24-90 GVP Charge 0.00 $9.55832133 0.000 99.895 954.83
1-24-91 Contract Fee (1.00) $9.93920031 (0.101) 99.795 991.88
1-24-91 GVP Charge 0.00 $9.93920031 0.000 99.795 991.88
1-24-92 Contract Fee (1.00) $11.98906304 (0.083) 99.711 1,195.45
1-24-92 GVP Charge (59.77) $11.98906304 (4.986) 94.726 1,135.67
1-24-93 Contract Fee (1.00) $12.33516552 (0.081) 94.645 1,167.46
1-24-93 GVP Charge 0.00 $12.33516552 0.000 94.645 1,167.46
1-24-94 Contract Fee (1.00) $13.75745325 (0.073) 94.572 1,301.07
1-24-94 GVP Charge (40.22) $13.75745325 (2.923) 91.649 1,260.85
1-24-95 Contract Fee (1.00) $12.89015714 (0.078) 91.571 1,180.37
1-24-95 GVP Charge 0.00 $12.89015714 0.000 91.571 1,180.37
1-24-96 Contract Fee (1.00) $16.66524942 (0.060) 91.511 1,525.06
1-24-96 GVP Charge (76.25) $16.66524942 (4.576) 86.936 1,448.81
1-24-97 Contract Fee (1.00) $19.02160927 (0.053) 86.883 1,652.66
1-24-97 GVP Charge (82.63) $19.02160927 (4.344) 82.539 1,570.02
1-24-98 Contract Fee (1.00) $22.79749137 (0.044) 82.495 1,880.68
1-24-98 GVP Charge (94.03) $22.79749137 (4.125) 78.370 1,786.65
1-24-99 Contract Fee (1.00) $24.09629487 (0.042) 78.329 1,887.44
1-24-99 GVP Charge 0.00 $24.09629487 0.000 78.329 1,887.44
1-24-00 Contract Fee (1.00) $23.50610818 (0.043) 78.286 1,840.21
1-24-00 GVP Charge 0.00 $23.50610818 0.000 78.286 1,840.21
9-30-00 Value before Surr Chg $26.74875738 0.000 78.286 2,094.06
9-30-00 Contract Fee (1.00) $26.74875738 (0.037) 78.249 2,093.06
9-30-00 GVP Charge (71.68) $26.74875738 (2.680) 75.569 2,021.38
9-30-00 Surrender Charge $26.74875738 0.000 75.569 2,021.38
Cumulative Total Returns without/with chgs. 167.49% A 102.14% C
Avg. Annual Total Returns without/with chgs. 8.78% B 6.21% D
<PAGE>
Franklin Rising Dividends Securities
1-27-92 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-27-93 Contract Fee (1.00) $10.63850897 (0.094) 99.906 1,062.85
1-27-93 GVP Charge 0.00 $10.63850897 0.000 99.906 1,062.85
1-27-94 Contract Fee (1.00) $10.26499934 (0.097) 99.809 1,024.54
1-27-94 GVP Charge 0.00 $10.26499934 0.000 99.809 1,024.54
1-27-95 Contract Fee (1.00) $9.79950998 (0.102) 99.707 977.08
1-27-95 GVP Charge 0.00 $9.79950998 0.000 99.707 977.08
1-27-96 Contract Fee (1.00) $12.24201835 (0.082) 99.625 1,219.61
1-27-96 GVP Charge (60.98) $12.24201835 (4.981) 94.644 1,158.63
1-27-97 Contract Fee (1.00) $14.83128099 (0.067) 94.576 1,402.69
1-27-97 GVP Charge (70.13) $14.83128099 (4.729) 89.847 1,332.55
1-27-98 Contract Fee (1.00) $19.14519164 (0.052) 89.795 1,719.15
1-27-98 GVP Charge (85.96) $19.14519164 (4.490) 85.305 1,633.19
1-27-99 Contract Fee (1.00) $19.02723315 (0.053) 85.253 1,622.13
1-27-99 GVP Charge 0.00 $19.02723315 0.000 85.253 1,622.13
1-27-00 Contract Fee (1.00) $17.27080843 (0.058) 85.195 1,471.39
1-27-00 GVP Charge 0.00 $17.27080843 0.000 85.195 1,471.39
9-30-00 Value before Surr Chg $18.58958874 0.000 85.195 1,583.74
9-30-00 Contract Fee (1.00) $18.58958874 (0.054) 85.141 1,582.74
9-30-00 GVP Charge 0.00 $18.58958874 0.000 85.141 1,582.74
9-30-00 Surrender Charge $18.58958874 0.000 85.141 1,582.74
Cumulative Total Returns without/with chgs. 85.90% A 58.27% C
Avg. Annual Total Returns without/with chgs. 7.40% B 5.43% D
Franklin Small Cap
11-1-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-1-96 Contract Fee (1.00) $12.08477157 (0.083) 99.917 1,207.48
11-1-96 GVP Charge (60.37) $12.08477157 (4.996) 94.921 1,147.10
11-1-97 Contract Fee (1.00) $15.37836061 (0.065) 94.856 1,458.74
11-1-97 GVP Charge (72.94) $15.37836061 (4.743) 90.114 1,385.80
11-1-98 Contract Fee (1.00) $12.30925627 (0.081) 90.032 1,108.23
11-1-98 GVP Charge 0.00 $12.30925627 0.000 90.032 1,108.23
11-1-99 Contract Fee (1.00) $19.44172551 (0.051) 89.981 1,749.38
11-1-99 GVP Charge (87.47) $19.44172551 (4.499) 85.482 1,661.91
9-30-00 Value before Surr Chg $29.08564041 0.000 85.482 2,486.29
9-30-00 Contract Fee (1.00) $29.08564041 (0.034) 85.447 2,485.29
9-30-00 GVP Charge (113.71) $29.08564041 (3.910) 81.538 2,371.58
9-30-00 Surrender Charge (50.00) $29.08564041 (1.719) 79.819 2,321.58
Cumulative Total Returns without/with chgs. 190.86% A 132.16% C
Avg. Annual Total Returns without/with chgs. 24.25% B 18.68% D
Franklin U.S. Government
3-14-89 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-14-90 Contract Fee (1.00) $10.24862347 (0.098) 99.902 1,023.86
3-14-90 GVP Charge 0.00 $10.24862347 0.000 99.902 1,023.86
3-14-91 Contract Fee (1.00) $11.32798801 (0.088) 99.814 1,130.69
3-14-91 GVP Charge (24.92) $11.32798801 (2.200) 97.614 1,105.77
3-14-92 Contract Fee (1.00) $12.18181576 (0.082) 97.532 1,188.12
3-14-92 GVP Charge 0.00 $12.18181576 0.000 97.532 1,188.12
3-14-93 Contract Fee (1.00) $13.77037133 (0.073) 97.459 1,342.05
3-14-93 GVP Charge (58.89) $13.77037133 (4.276) 93.183 1,283.17
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3-14-94 Contract Fee (1.00) $13.84836572 (0.072) 93.111 1,289.43
3-14-94 GVP Charge 0.00 $13.84836572 0.000 93.111 1,289.43
3-14-95 Contract Fee (1.00) $14.15735722 (0.071) 93.040 1,317.20
3-14-95 GVP Charge 0.00 $14.15735722 0.000 93.040 1,317.20
3-14-96 Contract Fee (1.00) $15.27269662 (0.065) 92.975 1,419.98
3-14-96 GVP Charge 0.00 $15.27269662 0.000 92.975 1,419.98
3-14-97 Contract Fee (1.00) $15.94551552 (0.063) 92.912 1,481.53
3-14-97 GVP Charge 0.00 $15.94551552 0.000 92.912 1,481.53
3-14-98 Contract Fee (1.00) $17.24008637 (0.058) 92.854 1,600.81
3-14-98 GVP Charge (0.76) $17.24008637 (0.044) 92.810 1,600.05
3-14-99 Contract Fee (1.00) $17.83607388 (0.056) 92.754 1,654.37
3-14-99 GVP Charge 0.00 $17.83607388 0.000 92.754 1,654.37
3-14-00 Contract Fee (1.00) $17.44443142 (0.057) 92.697 1,617.04
3-14-00 GVP Charge 0.00 $17.44443142 0.000 92.697 1,617.04
9-30-00 Value before Surr Chg $18.28976296 0.000 92.697 1,695.40
9-30-00 Contract Fee (1.00) $18.28976296 (0.055) 92.642 1,694.40
9-30-00 GVP Charge 0.00 $18.28976296 0.000 92.642 1,694.40
9-30-00 Surrender Charge $18.28976296 0.000 92.642 1,694.40
Cumulative Total Returns without/with chgs. 82.90% A 69.44% C
Avg. Annual Total Returns without/with chgs. 5.36% B 4.67% D
JP Morgan International Opportunities
1-3-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-3-96 Contract Fee (1.00) $11.11911476 (0.090) 99.910 1,110.91
1-3-96 GVP Charge (30.91) $11.11911476 (2.780) 97.130 1,080.00
1-3-97 Contract Fee (1.00) $12.04316520 (0.083) 97.047 1,168.75
1-3-97 GVP Charge (2.35) $12.04316520 (0.195) 96.852 1,166.40
1-3-98 Contract Fee (1.00) $12.65613410 (0.079) 96.773 1,224.77
1-3-98 GVP Charge 0.00 $12.65613410 0.000 96.773 1,224.77
1-3-99 Contract Fee (1.00) $12.95132100 (0.077) 96.695 1,252.33
1-3-99 GVP Charge 0.00 $12.95132100 0.000 96.695 1,252.33
1-3-00 Contract Fee (1.00) $17.39950606 (0.057) 96.638 1,681.45
1-3-00 GVP Charge (84.07) $17.39950606 (4.832) 91.806 1,597.38
9-30-00 Value before Surr Chg $15.21573694 0.000 91.806 1,396.90
9-30-00 Contract Fee (1.00) $15.21573694 (0.066) 91.740 1,395.90
9-30-00 GVP Charge 0.00 $15.21573694 0.000 91.740 1,395.90
9-30-00 Surrender Charge (40.00) $15.21573694 (2.629) 89.111 1,355.90
Cumulative Total Returns without/with chgs. 52.16% A 35.59% C
Avg. Annual Total Returns without/with chgs. 7.58% B 5.44% D
JP Morgan US Disciplined Equity
1-3-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-3-96 Contract Fee (1.00) $13.28177866 (0.075) 99.925 1,327.18
1-3-96 GVP Charge (66.36) $13.28177866 (4.996) 94.928 1,260.82
1-3-97 Contract Fee (1.00) $15.76174066 (0.063) 94.865 1,495.24
1-3-97 GVP Charge (74.76) $15.76174066 (4.743) 90.122 1,420.48
1-3-98 Contract Fee (1.00) $19.42810370 (0.051) 90.070 1,749.90
1-3-98 GVP Charge (87.49) $19.42810370 (4.504) 85.567 1,662.40
1-3-99 Contract Fee (1.00) $23.39605820 (0.043) 85.524 2,000.93
1-3-99 GVP Charge (100.05) $23.39605820 (4.276) 81.248 1,900.88
1-3-00 Contract Fee (1.00) $26.94272250 (0.037) 81.211 2,188.04
1-3-00 GVP Charge (109.40) $26.94272250 (4.061) 77.150 2,078.64
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9-30-00 Value before Surr Chg $25.06533629 0.000 77.150 1,933.80
9-30-00 Contract Fee (1.00) $25.06533629 (0.040) 77.110 1,932.80
9-30-00 GVP Charge 0.00 $25.06533629 0.000 77.110 1,932.80
9-30-00 Surrender Charge (40.00) $25.06533629 (1.596) 75.514 1,892.80
Cumulative Total Returns without/with chgs. 150.65% A 89.28% C
Avg. Annual Total Returns without/with chgs. 17.34% B 11.75% D
Mutual Discovery Securities
11-8-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-8-97 Contract Fee (1.00) $11.77021161 (0.085) 99.915 1,176.02
11-8-97 GVP Charge (58.80) $11.77021161 (4.996) 94.919 1,117.22
11-8-98 Contract Fee (1.00) $10.83109196 (0.092) 94.827 1,027.08
11-8-98 GVP Charge 0.00 $10.83109196 0.000 94.827 1,027.08
11-8-99 Contract Fee (1.00) $12.16319766 (0.082) 94.745 1,152.40
11-8-99 GVP Charge (43.15) $12.16319766 (3.548) 91.197 1,109.25
9-30-00 Value before Surr Chg $14.31522915 0.000 91.197 1,305.50
9-30-00 Contract Fee (1.00) $14.31522915 (0.070) 91.127 1,304.50
9-30-00 GVP Charge (58.43) $14.31522915 (4.082) 87.045 1,246.07
9-30-00 Surrender Charge (60.00) $14.31522915 (4.191) 82.854 1,186.07
Cumulative Total Returns without/with chgs. 43.15% A 18.61% C
Avg. Annual Total Returns without/with chgs. 9.65% B 4.48% D
Mutual Shares Securities
11-8-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-8-97 Contract Fee (1.00) $11.69170179 (0.086) 99.914 1,168.17
11-8-97 GVP Charge (58.41) $11.69170179 (4.996) 94.919 1,109.76
11-8-98 Contract Fee (1.00) $11.45662233 (0.087) 94.831 1,086.45
11-8-98 GVP Charge 0.00 $11.45662233 0.000 94.831 1,086.45
11-8-99 Contract Fee (1.00) $12.64441642 (0.079) 94.752 1,198.09
11-8-99 GVP Charge (24.72) $12.64441642 (1.955) 92.797 1,173.36
9-30-00 Value before Surr Chg $13.78021233 0.000 92.797 1,278.76
9-30-00 Contract Fee (1.00) $13.78021233 (0.073) 92.724 1,277.76
9-30-00 GVP Charge (18.49) $13.78021233 (1.342) 91.382 1,259.27
9-30-00 Surrender Charge (60.00) $13.78021233 (4.354) 87.028 1,199.27
Cumulative Total Returns without/with chgs. 37.80% A 19.93% C
Avg. Annual Total Returns without/with chgs. 8.58% B 4.77% D
Oppenheimer VA Global Securities
11-12-90 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
11-12-91 Contract Fee (1.00) $10.40969883 (0.096) 99.904 1,039.97
11-12-91 GVP Charge 0.00 $10.40969883 0.000 99.904 1,039.97
11-12-92 Contract Fee (1.00) $9.23458234 (0.108) 99.796 921.57
11-12-92 GVP Charge 0.00 $9.23458234 0.000 99.796 921.57
11-12-93 Contract Fee (1.00) $13.74836043 (0.073) 99.723 1,371.03
11-12-93 GVP Charge (68.55) $13.74836043 (4.986) 94.737 1,302.48
11-12-94 Contract Fee (1.00) $15.21142746 (0.066) 94.671 1,440.08
11-12-94 GVP Charge (33.41) $15.21142746 (2.196) 92.475 1,406.67
11-12-95 Contract Fee (1.00) $14.13320785 (0.071) 92.404 1,305.97
11-12-95 GVP Charge 0.00 $14.13320785 0.000 92.404 1,305.97
11-12-96 Contract Fee (1.00) $16.05974186 (0.062) 92.342 1,482.98
11-12-96 GVP Charge (72.54) $16.05974186 (4.517) 87.825 1,410.44
11-12-97 Contract Fee (1.00) $19.18508523 (0.052) 87.773 1,683.92
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11-12-97 GVP Charge (84.20) $19.18508523 (4.389) 83.384 1,599.73
11-12-98 Contract Fee (1.00) $19.88192345 (0.050) 83.334 1,656.83
11-12-98 GVP Charge 0.00 $19.88192345 0.000 83.334 1,656.83
11-12-99 Contract Fee (1.00) $28.59638771 (0.035) 83.299 2,382.04
11-12-99 GVP Charge (119.10) $28.59638771 (4.165) 79.134 2,262.94
9-30-00 Value before Surr Chg $36.89037351 0.000 79.134 2,919.27
9-30-00 Contract Fee (1.00) $36.89037351 (0.027) 79.107 2,918.27
9-30-00 GVP Charge (129.12) $36.89037351 (3.500) 75.606 2,789.15
9-30-00 Surrender Charge $36.89037351 0.000 75.606 2,789.15
Cumulative Total Returns without/with chgs. 268.90% A 178.92% C
Avg. Annual Total Returns without/with chgs. 14.11% B 10.93% D
Oppenheimer VA High Income
4-30-86 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-30-87 Contract Fee (1.00) $10.92262432 (0.092) 99.908 1,091.26
4-30-87 GVP Charge (11.26) $10.92262432 (1.031) 98.877 1,080.00
4-30-88 Contract Fee (1.00) $11.57143431 (0.086) 98.791 1,143.15
4-30-88 GVP Charge 0.00 $11.57143431 0.000 98.791 1,143.15
4-30-89 Contract Fee (1.00) $12.58679964 (0.079) 98.711 1,242.46
4-30-89 GVP Charge (7.86) $12.58679964 (0.624) 98.087 1,234.60
4-30-90 Contract Fee (1.00) $12.87543206 (0.078) 98.010 1,261.92
4-30-90 GVP Charge 0.00 $12.87543206 0.000 98.010 1,261.92
4-30-91 Contract Fee (1.00) $15.07172623 (0.066) 97.943 1,476.17
4-30-91 GVP Charge (73.81) $15.07172623 (4.897) 93.046 1,402.37
4-30-92 Contract Fee (1.00) $18.63505794 (0.054) 92.992 1,732.92
4-30-92 GVP Charge (86.65) $18.63505794 (4.650) 88.343 1,646.27
4-30-93 Contract Fee (1.00) $21.85164670 (0.046) 88.297 1,929.44
4-30-93 GVP Charge (96.47) $21.85164670 (4.415) 83.882 1,832.96
4-30-94 Contract Fee (1.00) $23.71192332 (0.042) 83.840 1,988.01
4-30-94 GVP Charge (8.41) $23.71192332 (0.355) 83.485 1,979.60
4-30-95 Contract Fee (1.00) $24.94941287 (0.040) 83.445 2,081.91
4-30-95 GVP Charge 0.00 $24.94941287 0.000 83.445 2,081.91
4-30-96 Contract Fee (1.00) $28.60890278 (0.035) 83.410 2,386.28
4-30-96 GVP Charge (119.31) $28.60890278 (4.171) 79.240 2,266.97
4-30-97 Contract Fee (1.00) $31.09639056 (0.032) 79.208 2,463.08
4-30-97 GVP Charge (14.75) $31.09639056 (0.474) 78.733 2,448.32
4-30-98 Contract Fee (1.00) $35.31094923 (0.028) 78.705 2,779.15
4-30-98 GVP Charge (134.96) $35.31094923 (3.822) 74.883 2,644.19
4-30-99 Contract Fee (1.00) $35.28801380 (0.028) 74.855 2,641.47
4-30-99 GVP Charge 0.00 $35.28801380 0.000 74.855 2,641.47
4-30-00 Contract Fee (1.00) $33.54638171 (0.030) 74.825 2,510.10
4-30-00 GVP Charge 0.00 $33.54638171 0.000 74.825 2,510.10
9-30-00 Value before Surr Chg $34.03725742 0.000 74.825 2,546.83
9-30-00 Contract Fee (1.00) $34.03725742 (0.029) 74.795 2,545.83
9-30-00 GVP Charge 0.00 $34.03725742 0.000 74.795 2,545.83
9-30-00 Surrender Charge $34.03725742 0.000 74.795 2,545.83
Cumulative Total Returns without/with chgs. 240.37% A 154.58% C
Avg. Annual Total Returns without/with chgs. 8.86% B 6.69% D
Oppenheimer VA Main Street Growth & Income
7-5-95 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
7-5-96 Contract Fee (1.00) $14.24962194 (0.070) 99.930 $1,423.96
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7-5-96 GVP Charge (71.20) $14.24962194 (4.996) 94.933 $1,352.76
7-5-97 Contract Fee (1.00) $18.58915886 (0.054) 94.880 $1,763.73
7-5-97 GVP Charge (88.19) $18.58915886 (4.744) 90.136 $1,675.54
7-5-98 Contract Fee (1.00) $23.52579786 (0.043) 90.093 $2,119.51
7-5-98 GVP Charge (105.98) $23.52579786 (4.505) 85.588 $2,013.54
7-5-99 Contract Fee (1.00) $24.58664141 (0.041) 85.548 $2,103.33
7-5-99 GVP Charge 0.00 $24.58664141 0.000 85.548 $2,103.33
7-5-00 Contract Fee (1.00) $25.02909701 (0.040) 85.508 $2,140.18
7-5-00 GVP Charge 0.00 $25.02909701 0.000 85.508 $2,140.18
9-30-00 Value before Surr Chg $25.53935132 0.000 85.508 $2,183.81
9-30-00 Contract Fee (1.00) $25.53935132 (0.039) 85.469 $2,182.81
9-30-00 GVP Charge 0.00 $25.53935132 0.000 85.469 $2,182.81
9-30-00 Surrender Charge (40.00) $25.53935132 (1.566) 83.902 $2,142.81
Cumulative Total Returns without/with chgs. 155.39% A 114.28% C
Avg. Annual Total Returns without/with chgs. 19.58% B 15.64% D
PIMCO VIT High Yield Bond
4-30-98 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-30-99 Contract Fee (1.00) $10.32991841 (0.097) 99.903 1,031.99
4-30-99 GVP Charge 0.00 $10.32991841 0.000 99.903 1,031.99
4-30-00 Contract Fee (1.00) $9.85114163 (0.102) 99.802 983.16
4-30-00 GVP Charge 0.00 $9.85114163 0.000 99.802 983.16
9-30-00 Value before Surr Chg $10.09493539 0.000 99.802 1,007.49
9-30-00 Contract Fee (1.00) $10.09493539 (0.099) 99.703 1,006.49
9-30-00 GVP Charge 0.00 $10.09493539 0.000 99.703 1,006.49
9-30-00 Surrender Charge (70.00) $10.09493539 (6.934) 92.768 936.49
Cumulative Total Returns without/with chgs. 0.95% A -6.35% C
Avg. Annual Total Returns without/with chgs. 0.39% B -2.67% D
PIMCO VIT Stocks PLUS Growth & Income
12-31-97 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-31-98 Contract Fee (1.00) $12.75333111 (0.078) 99.922 1,274.33
12-31-98 GVP Charge (63.72) $12.75333111 (4.996) 94.926 1,210.62
12-31-99 Contract Fee (1.00) $14.98093051 (0.067) 94.859 1,421.07
12-31-99 GVP Charge (71.05) $14.98093051 (4.743) 90.116 1,350.02
9-30-00 Value before Surr Chg $14.32786250 0.000 90.116 1,291.17
9-30-00 Contract Fee (1.00) $14.32786250 (0.070) 90.046 1,290.17
9-30-00 GVP Charge 0.00 $14.32786250 0.000 90.046 1,290.17
9-30-00 Surrender Charge (70.00) $14.32786250 (4.886) 85.160 1,220.17
Cumulative Total Returns without/with chgs. 43.28% A 22.02% C
Avg. Annual Total Returns without/with chgs. 13.97% B 7.50% D
PIMCO VIT Total Return Bond
12-31-97 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-31-98 Contract Fee (1.00) $10.64625330 (0.094) 99.906 1,063.63
12-31-98 GVP Charge 0.00 $10.64625330 0.000 99.906 1,063.63
12-31-99 Contract Fee (1.00) $10.37442795 (0.096) 99.810 1,035.47
12-31-99 GVP Charge 0.00 $10.37442795 0.000 99.810 1,035.47
9-30-00 Value before Surr Chg $10.84705164 0.000 99.810 1,082.64
9-30-00 Contract Fee (1.00) $10.84705164 (0.092) 99.717 1,081.64
9-30-00 GVP Charge 0.00 $10.84705164 0.000 99.717 1,081.64
9-30-00 Surrender Charge (70.00) $10.84705164 (6.453) 93.264 1,011.64
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Cumulative Total Returns without/with chgs. 8.47% A 1.16% C
Avg. Annual Total Returns without/with chgs. 3.00% B 0.42% D
Seligman Henderson Global Technology
5-2-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-2-97 Contract Fee (1.00) $10.26412987 (0.097) 99.903 1,025.41
5-2-97 GVP Charge 0.00 $10.26412987 0.000 99.903 1,025.41
5-2-98 Contract Fee (1.00) $14.76494577 (0.068) 99.835 1,474.06
5-2-98 GVP Charge (73.70) $14.76494577 (4.992) 94.843 1,400.35
5-2-99 Contract Fee (1.00) $17.45219058 (0.057) 94.786 1,654.22
5-2-99 GVP Charge (82.71) $17.45219058 (4.739) 90.047 1,571.51
5-2-00 Contract Fee (1.00) $38.34456837 (0.026) 90.020 3,451.79
5-2-00 GVP Charge (172.59) $38.34456837 (4.501) 85.519 3,279.20
9-30-00 Value before Surr Chg $32.55158097 0.000 85.519 2,783.79
9-30-00 Contract Fee (1.00) $32.55158097 (0.031) 85.489 2,782.79
9-30-00 GVP Charge 0.00 $32.55158097 0.000 85.489 2,782.79
9-30-00 Surrender Charge (50.00) $32.55158097 (1.536) 83.953 2,732.79
Cumulative Total Returns without/with chgs. 225.52% A 173.28% C
Avg. Annual Total Returns without/with chgs. 30.64% B 25.56% D
Seligman Small Cap Value
5-1-98 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
5-1-99 Contract Fee (1.00) $10.68462602 (0.094) 99.906 1,067.46
5-1-99 GVP Charge 0.00 $10.68462602 0.000 99.906 1,067.46
5-1-00 Contract Fee (1.00) $11.92020181 (0.084) 99.823 1,189.90
5-1-00 GVP Charge (37.04) $11.92020181 (3.108) 96.715 1,152.86
9-30-00 Value before Surr Chg $12.81486337 0.000 96.715 1,239.39
9-30-00 Contract Fee (1.00) $12.81486337 (0.078) 96.637 1,238.39
9-30-00 GVP Charge 0.00 $12.81486337 0.000 96.637 1,238.39
9-30-00 Surrender Charge (70.00) $12.81486337 (5.462) 91.174 1,168.39
Cumulative Total Returns without/with chgs. 28.15% A 16.84% C
Avg. Annual Total Returns without/with chgs. 10.80% B 6.64% D
Templeton Developing Markets Equity
3-15-94 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-15-95 Contract Fee (1.00) $8.57672908 (0.117) 99.883 856.67
3-15-95 GVP Charge 0.00 $8.57672908 0.000 99.883 856.67
3-15-96 Contract Fee (1.00) $10.17284817 (0.098) 99.785 1,015.10
3-15-96 GVP Charge (50.75) $10.17284817 (4.989) 94.796 964.34
3-15-97 Contract Fee (1.00) $12.23119528 (0.082) 94.714 1,158.47
3-15-97 GVP Charge (57.92) $12.23119528 (4.736) 89.978 1,100.54
3-15-98 Contract Fee (1.00) $10.30201023 (0.097) 89.881 925.96
3-15-98 GVP Charge 0.00 $10.30201023 0.000 89.881 925.96
3-15-99 Contract Fee (1.00) $7.98052767 (0.125) 89.756 716.30
3-15-99 GVP Charge 0.00 $7.98052767 0.000 89.756 716.30
3-15-00 Contract Fee (1.00) $11.05251029 (0.090) 89.666 991.03
3-15-00 GVP Charge (49.55) $11.05251029 (4.483) 85.182 941.48
9-30-00 Value before Surr Chg $8.65965003 0.000 85.182 737.65
9-30-00 Contract Fee (1.00) $8.65965003 (0.115) 85.067 736.65
9-30-00 GVP Charge 0.00 $8.65965003 0.000 85.067 736.65
9-30-00 Surrender Charge (30.00) $8.65965003 (3.464) 81.602 706.65
Cumulative Total Returns without/with chgs. -13.40% A -29.34% C
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Avg. Annual Total Returns without/with chgs. -2.17% B -5.16% D
Templeton Global Growth
3-15-94 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
3-15-95 Contract Fee (1.00) $10.04316645 (0.100) 99.900 1,003.32
3-15-95 GVP Charge 0.00 $10.04316645 0.000 99.900 1,003.32
3-15-96 Contract Fee (1.00) $11.67431538 (0.086) 99.815 1,165.27
3-15-96 GVP Charge (58.26) $11.67431538 (4.991) 94.824 1,107.01
3-15-97 Contract Fee (1.00) $13.84817586 (0.072) 94.752 1,312.14
3-15-97 GVP Charge (65.61) $13.84817586 (4.738) 90.014 1,246.53
3-15-98 Contract Fee (1.00) $16.34575863 (0.061) 89.953 1,470.35
3-15-98 GVP Charge (73.52) $16.34575863 (4.498) 85.455 1,396.83
3-15-99 Contract Fee (1.00) $15.70658714 (0.064) 85.392 1,341.21
3-15-99 GVP Charge 0.00 $15.70658714 0.000 85.392 1,341.21
3-15-00 Contract Fee (1.00) $16.91831435 (0.059) 85.333 1,443.68
3-15-00 GVP Charge 0.00 $16.91831435 0.000 85.333 1,443.68
9-30-00 Value before Surr Chg $17.74845416 0.000 85.333 1,514.52
9-30-00 Contract Fee (1.00) $17.74845416 (0.056) 85.276 1,513.52
9-30-00 GVP Charge 0.00 $17.74845416 0.000 85.276 1,513.52
9-30-00 Surrender Charge (30.00) $17.74845416 (1.690) 83.586 1,483.52
Cumulative Total Returns without/with chgs. 77.48% A 48.35% C
Avg. Annual Total Returns without/with chgs. 9.15% B 6.21% D
Templeton Pacific Growth
1-27-92 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
1-27-93 Contract Fee (1.00) $9.87300741 (0.101) 99.899 986.30
1-27-93 GVP Charge 0.00 $9.87300741 0.000 99.899 986.30
1-27-94 Contract Fee (1.00) $13.93906078 (0.072) 99.827 1,391.49
1-27-94 GVP Charge (69.57) $13.93906078 (4.991) 94.836 1,321.92
1-27-95 Contract Fee (1.00) $11.73916966 (0.085) 94.750 1,112.29
1-27-95 GVP Charge 0.00 $11.73916966 0.000 94.750 1,112.29
1-27-96 Contract Fee (1.00) $14.15871298 (0.071) 94.680 1,340.54
1-27-96 GVP Charge (67.03) $14.15871298 (4.734) 89.946 1,273.52
1-27-97 Contract Fee (1.00) $14.22565263 (0.070) 89.876 1,278.54
1-27-97 GVP Charge 0.00 $14.22565263 0.000 89.876 1,278.54
1-27-98 Contract Fee (1.00) $8.17062251 (0.122) 89.753 733.34
1-27-98 GVP Charge 0.00 $8.17062251 0.000 89.753 733.34
1-27-99 Contract Fee (1.00) $7.53871739 (0.133) 89.620 675.62
1-27-99 GVP Charge 0.00 $7.53871739 0.000 89.620 675.62
1-27-00 Contract Fee (1.00) $9.89956666 (0.101) 89.519 886.20
1-27-00 GVP Charge (44.31) $9.89956666 (4.476) 85.043 841.89
9-30-00 Value before Surr Chg $8.06975054 0.000 85.043 686.28
9-30-00 Contract Fee (1.00) $8.06975054 (0.124) 84.920 685.28
9-30-00 GVP Charge 0.00 $8.06975054 0.000 84.920 685.28
9-30-00 Surrender Charge $8.06975054 0.000 84.920 685.28
Cumulative Total Returns without/with chgs. -19.30% A -31.47% C
Avg. Annual Total Returns without/with chgs. -2.44% B -4.26% D
Van Kampen LIT Enterprise
4-7-86 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
4-7-87 Contract Fee (1.00) $11.10667138 (0.090) 99.910 1,109.67
4-7-87 GVP Charge (29.67) $11.10667138 (2.671) 97.239 1,080.00
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4-7-88 Contract Fee (1.00) $8.20812277 (0.122) 97.117 797.15
4-7-88 GVP Charge 0.00 $8.20812277 0.000 97.117 797.15
4-7-89 Contract Fee (1.00) $9.76289850 (0.102) 97.015 947.14
4-7-89 GVP Charge (47.36) $9.76289850 (4.851) 92.164 899.79
4-7-90 Contract Fee (1.00) $11.32271081 (0.088) 92.076 1,042.54
4-7-90 GVP Charge (52.13) $11.32271081 (4.604) 87.472 990.42
4-7-91 Contract Fee (1.00) $12.14746430 (0.082) 87.389 1,061.56
4-7-91 GVP Charge 0.00 $12.14746430 0.000 87.389 1,061.56
4-7-92 Contract Fee (1.00) $13.85504400 (0.072) 87.317 1,209.78
4-7-92 GVP Charge (60.49) $13.85504400 (4.366) 82.951 1,149.30
4-7-93 Contract Fee (1.00) $15.54935806 (0.064) 82.887 1,288.84
4-7-93 GVP Charge (47.60) $15.54935806 (3.061) 79.826 1,241.24
4-7-94 Contract Fee (1.00) $15.55245593 (0.064) 79.761 1,240.49
4-7-94 GVP Charge 0.00 $15.55245593 0.000 79.761 1,240.49
4-7-95 Contract Fee (1.00) $16.69217216 (0.060) 79.702 1,330.39
4-7-95 GVP Charge 0.00 $16.69217216 0.000 79.702 1,330.39
4-7-96 Contract Fee (1.00) $22.08305217 (0.045) 79.656 1,759.05
4-7-96 GVP Charge (87.95) $22.08305217 (3.983) 75.673 1,671.10
4-7-97 Contract Fee (1.00) $23.94544248 (0.042) 75.632 1,811.03
4-7-97 GVP Charge (6.25) $23.94544248 (0.261) 75.371 1,804.79
4-7-98 Contract Fee (1.00) $34.50463986 (0.029) 75.342 2,599.64
4-7-98 GVP Charge (129.98) $34.50463986 (3.767) 71.575 2,469.66
4-7-99 Contract Fee (1.00) $39.04557018 (0.026) 71.549 2,793.68
4-7-99 GVP Charge (126.44) $39.04557018 (3.238) 68.311 2,667.24
4-7-00 Contract Fee (1.00) $46.12858008 (0.022) 68.289 3,150.08
4-7-00 GVP Charge (157.50) $46.12858008 (3.414) 64.875 2,992.58
9-30-00 Value before Surr Chg $41.98527185 0.000 64.875 2,723.78
9-30-00 Contract Fee (1.00) $41.98527185 (0.024) 64.851 2,722.78
9-30-00 GVP Charge 0.00 $41.98527185 0.000 64.851 2,722.78
9-30-00 Surrender Charge $41.98527185 0.000 64.851 2,722.78
Cumulative Total Returns without/with chgs. 319.85% A 172.28% C
Avg. Annual Total Returns without/with chgs. 10.41% B 7.16% D
Van Kampen LIT Growth &Income
12-23-96 Purchase $1,000.00 $10.00000000 100.000 100.000 $1,000.00
12-23-97 Contract Fee (1.00) $12.18862289 (0.082) 99.918 1,217.86
12-23-97 GVP Charge (60.89) $12.18862289 (4.996) 94.922 1,156.97
12-23-98 Contract Fee (1.00) $13.77679746 (0.073) 94.849 1,306.72
12-23-98 GVP Charge (57.20) $13.77679746 (4.152) 90.698 1,249.53
12-23-99 Contract Fee (1.00) $14.67005371 (0.068) 90.630 1,329.54
12-23-99 GVP Charge 0.00 $14.67005371 0.000 90.630 1,329.54
9-30-00 Value before Surr Chg $16.73284193 0.000 90.630 1,516.49
9-30-00 Contract Fee (1.00) $16.73284193 (0.060) 90.570 1,515.49
9-30-00 GVP Charge (58.54) $16.73284193 (3.499) 87.071 1,456.95
9-30-00 Surrender Charge (60.00) $16.73284193 (3.586) 83.485 1,396.95
Cumulative Total Returns without/with chgs. 67.33% A 39.69% C
Avg. Annual Total Returns without/with chgs. 14.62% B 9.27% D
USAllianz VIP Diversified Assets
11-12-99 Purchase $1,000.00 $10.08502511 99.157 99.157 $1,000.00
9-30-00 Contract Fee (1.00) $10.42760383 (0.096) 99.061 1,032.97
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9-30-00 GVP Charge 0.00 $10.42760383 0.000 99.061 1,032.97
9-30-00 Value before Surr Chg $10.42760383 0.000 99.061 1,032.97
9-30-00 Surrender Charge (80.00) $10.42760383 (7.672) 91.389 952.97
Cumulative and Average Annual Total Returns
without/with charges 3.40% A -4.70% B
Avg. Annual Total Returns without/with chgs. 3.85% B -5.30% D
USAllianz VIP Fixed Income Fund
11-12-99 Purchase $1,000.00 $10.01505962 99.850 99.850 $1,000.00
9-30-00 Contract Fee (1.00) $10.25439858 (0.098) 99.752 1,022.90
9-30-00 GVP Charge 0.00 $10.25439858 0.000 99.752 1,022.90
9-30-00 Value before Surr Chg $10.25439858 0.000 99.752 1,022.90
9-30-00 Surrender Charge (80.00) $10.25439858 (7.802) 91.951 942.90
Cumulative and Average Annual Total Returns
without/with charges 2.39% A -5.71% B
Avg. Annual Total Returns without/with chgs. 2.70% B -6.43% D
USAllianz VIP Global Opportunities Fund
2-1-00 Purchase $1,000.00 $9.99945205 100.005 100.005 $1,000.00
9-30-00 Contract Fee (1.00) $9.09854094 (0.110) 99.896 908.90
9-30-00 GVP Charge 0.00 $9.09854094 0.000 99.896 908.90
9-30-00 Value before Surr Chg $9.09854094 0.000 99.896 908.90
9-30-00 Surrender Charge (80.00) $9.09854094 (8.793) 91.103 828.90
Cumulative and Average Annual Total Returns
without/with charges -9.01% A -17.11% B
Avg. Annual Total Returns without/with chgs. -13.27% B -24.65% D
USAllianz Growth Fund
11-12-99 Purchase $1,000.00 $10.18497580 98.184 98.184 $1,000.00
9-30-00 Contract Fee (1.00) $10.63878950 (0.094) 98.090 1,043.56
9-30-00 GVP Charge 0.00 $10.63878950 0.000 98.090 1,043.56
9-30-00 Value before Surr Chg $10.63878950 0.000 98.090 1,043.56
9-30-00 Surrender Charge (80.00) $10.63878950 (7.520) 90.570 963.56
Cumulative and Average Annual Total Returns
without/with charges 4.46% A -3.64% B
Avg. Annual Total Returns without/with chgs. 5.05% B -4.11% D
USAllianz Money Market Fund
2-1-00 Purchase $1,000.00 $10.00100484 99.990 99.990 $1,000.00
9-30-00 Contract Fee (1.00) $10.22492091 (0.098) 99.892 1,021.39
9-30-00 GVP Charge 0.00 $10.22492091 0.000 99.892 1,021.39
9-30-00 Value before Surr Chg $10.22492091 0.000 99.892 1,021.39
9-30-00 Surrender Charge (80.00) $10.22492091 (7.824) 92.068 941.39
Cumulative and Average Annual Total Returns
without/with charges 2.24% A -5.86% B
Avg. Annual Total Returns without/with chgs. 3.40% B -8.71% D
<FN>
A = (Unit Value as of September 30, 2000 - Unit Value at Purchase)/Unit Value at
Purchase B = [(A+1)^(1/Years since Inception)]-1 C = (Accumulated Value as of
September 30, 2000 - Accum. Value at Purch.)/Accum. Value at Purch.
<PAGE>
D = [(C+1)^(1/Years since Inception)]-1
</FN>
</TABLE>
