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Separate Account H - Standardized 1 Year Return (example)
ONE YEAR RETURN PERIOD ENDING 6/30/00
Bond
Fund Value $1,095.40
Surr Charge $85.00
Final Value $1,010.40
Annual Return 1.04%
Unit Values
Date Bond
6/30/99 4.10728
6/30/00 4.499135
Separate Account H - Standardized 5 Year Return (example)
FIVE YEAR RETURN PERIOD ENDING 6/30/00
Fund Value Bond
One Year $977.25
Two Year $1,079.14
Three Year $1,108.39
Four Year $1,176.91
Five Year $1,289.19
Surr Charge $60.00
Final Value $1,229.19
Annual Return 4.21%
Unit Values
Bond
6/30/95 3.489884
6/30/96 3.410502
6/30/97 3.766073
6/30/98 3.868149
6/30/99 4.10728
6/30/00 4.499135
Separate Account H - Standardized 10 Year/Lifetime Return (example)
TEN YEAR/LIFETIME RETURN PERIOD ENDING 6/30/00
Fund Value Bond
One Year $1,096.87
Two Year $1,147.91
Three Year $1,244.49
Four Year $1,408.84
Five Year $1,576.12
Six Year $1,540.26
Seven Year $1,700.85
Eight Year $1,746.95
Nine Year $1,854.95
Ten Year $2,031.92
Surr Charge 0.00
Final Value $2,031.92
Annual Return 7.35%
Unit Values
Bond
6/30/90 2.214231
6/30/91 2.42873
6/30/92 2.541731
6/30/93 2.755599
6/30/94 3.119492
6/30/95 3.489884
6/30/96 3.410502
6/30/97 3.766073
Separate Account H - Non-standardized Return
Accumulated Amounts
Base Period
Years Start Date End Date Bond
1 6/30/99 6/30/00 $1,095.40
2 6/30/98 6/30/99 $1,163.12
3 6/30/97 6/30/98 $1,194.65
4 6/30/96 6/30/97 $1,319.20
5 6/30/95 6/30/96 $1,289.19
Life $4,499.13
Compound Growth Rate
Base Period
Years Start Date End Date Bond
1 6/30/99 6/30/00 9.54%
2 6/30/98 6/30/99 7.85%
3 6/30/97 6/30/98 6.11%
4 6/30/96 6/30/97 7.17%
5 6/30/95 6/30/96 5.21%
Life 9.54%
Unit Values Bond
6/30/00 4.499135
6/30/99 4.10728
6/30/98 3.868149
6/30/97 3.766073
6/30/96 3.410502
6/30/95 3.489884
Life Return Bond
Inception Date/Start Date 12/28/81
Unit Value 1.000000
Period (Years) 19.5055
