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Previous: NORTHBROOK VARIABLE ANNUITY ACCOUNT II, 485BPOS, EX-9, 2000-09-28 |
Next: ADEPT TECHNOLOGY INC, 10-K, 2000-09-28 |
<PAGE>
<TABLE>
<CAPTION>
Base - Standardized Performance
<S> <C> <C> <C> <C> <C> <C>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.304846 136.89543
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.89543 1368.9543
1.000
FORMULA: 1000*(1+T)= 1368.9543 - (0.85 * 1000 * 0.05)
= 1326.4543
T = 32.65%
R = 32.65%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.136722 122.89961
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.89961 1228.9961
1.000
FORMULA: 1000*(1+T)= 1228.9961 - (0.85 * 1000 * 0.05)
= 1186.4961
T = 18.65%
R = 18.65%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.231787 191.13928
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 191.13928 1911.3928
1.000
FORMULA: 1000*(1+T)= 1911.3928 - (0.85 * 1000 * 0.05)
= 1868.8928
T = 86.89%
R = 86.89%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.984026 200.64100
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.64100 2006.4100
1.000
FORMULA: 1000*(1+T)= 2006.4100 - (0.85 * 1000 * 0.05)
= 1963.9100
T = 96.39%
R = 96.39%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.338904 96.72205
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.72205 967.2205
1.000
FORMULA: 1000*(1+T)= 967.2205 - (0.85 * 1000 * 0.05)
= 924.7205
T = -7.53%
R = -7.53%
NLIC VAII EQUITY GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.258074 137.77759
1 FEE 16-Mar-99 0 7.841098 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.77759 1377.7759
1.793
FORMULA: 1000*(1+T)= 1377.7759
= 1335.275884
T = 17.50%
R = 33.53%
NLIC VAII INTERNATIONAL MAGNUM
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 8.374509 119.40999
1 FEE 16-Mar-99 0 8.163601 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 119.40999 1194.0999
1.793
FORMULA: 1000*(1+T)= 1194.0999
= 1151.599912
T = 8.19%
R = 15.16%
NLIC VAII EMERGING MARKETS
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.434041 134.51634
1 FEE 16-Mar-99 0 5.754463 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.51634 1345.1634
1.793
FORMULA: 1000*(1+T)= 1345.1634
= 1302.663402
T = 15.89%
R = 30.27%
NLIC VAII EMERGING GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 4.170792 239.76264
1 FEE 16-Mar-99 0 5.513979 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 239.76264 2397.6264
1.793
FORMULA: 1000*(1+T)= 2397.6264
= 2355.126372
T = 61.23%
R = 135.51%
NLIC VAII REAL ESTATE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 11.718435 85.33563
1 FEE 18-May-99 0 11.105062 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 85.33563 853.3563
1.621
FORMULA: 1000*(1+T)= 853.3563
= 810.8562762
T = -12.13%
R = -18.91%
<PAGE>
Base Non-Standardized
Non-Standardized Calculations
Dates:
Current: 12/31/99
3 Months Ago: 09/30/99
End of Last Year: 12/31/98
One Yr Ago: 12/31/98
Two Yrs Ago: 12/31/97
Three Yrs Ago: 12/31/96
Five Yrs Ago: 12/31/94
Ten Yrs Ago: 12/31/89
Inception Inception Ten Yr Five Yr Three Two
Fund Date AUV AUV AUV AUV AUV
Emerging Growth 03/16/98 4.170791629 N/A N/A N/A N/A
Emerging Markets 03/16/98 7.434041085 N/A N/A N/A N/A
Equity Growth 03/16/98 7.258074491 N/A N/A N/A N/A
International Magnum 03/16/98 8.374508616 N/A N/A N/A N/A
Real Estate 05/18/98 11.71843494 N/A N/A N/A N/A
One Yr YTD 3 Months Today's
AUV AUV AUV AUV
4.984026305 4.984026305 6.256484916 10
5.231786962 5.231786962 6.721810218 10
7.304845891 7.304845891 8.247207643 10
8.136722332 8.136722332 8.960654851 10
10.33890394 10.33890394 10.14776072 10
<PAGE>
Base Non-Standardized Performance
Inception Ten Years Five Years Three Years Two Years One Year YTD Three Months
Total Average Total Average Total Average Total Average Total Average
139.76% 62.79% N/A N/A N/A N/A N/A N/A N/A N/A 100.64% 100.64% 59.83%
34.52% 17.97% N/A N/A N/A N/A N/A N/A N/A N/A 91.14% 91.14% 48.77%
37.78% 19.55% N/A N/A N/A N/A N/A N/A N/A N/A 36.90% 36.90% 21.25%
19.41% 10.39% N/A N/A N/A N/A N/A N/A N/A N/A 22.90% 22.90% 11.60%
-14.66% -9.31% N/A N/A N/A N/A N/A N/A N/A N/A -3.28% -3.28% -1.46%
<PAGE>
Base- Adjusted Historical
NLIC VAII MONEY MARKET
31-Dec-98 NO. YEARS 1.000
TO
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.721854 102.86104
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 102.86104 1028.6104
1.000
FORMULA: 1000*(1+T)= 1028.6104 - (0.85 * 1000 * 0.05)
= 986.1104
T = -1.39%
R = -1.39%
NLIC VAII HIGH YIELD
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.324198 96.85983
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.85983 968.5983
1.000
FORMULA: 1000*(1+T)= 968.5983 - (0.85 * 1000 * 0.05)
= 926.0983
T = -7.39%
R = -7.39%
NLIC VAII EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.423039 155.68955
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.68955 1556.8955
1.000
FORMULA: 1000*(1+T)= 1556.8955 - (0.85 * 1000 * 0.05)
= 1514.3955
T = 51.44%
R = 51.44%
NLIC VAII QUALITY INCOME
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.646246 93.92982
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.92982 939.2982
1.000
FORMULA: 1000*(1+T)= 939.2982 - (0.85 * 1000 * 0.05)
= 896.7982
T = -10.32%
R = -10.32%
NLIC VAII STRATEGIST
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.680471 115.20113
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 115.20113 1152.0113
1.000
FORMULA: 1000*(1+T)= 1152.0113 - (0.85 * 1000 * 0.05)
= 1109.5113
T = 10.95%
R = 10.95%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.436269 95.81968
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 95.81968 958.1968
1.000
FORMULA: 1000*(1+T)= 958.1968 - (0.85 * 1000 * 0.05)
= 915.6968
T = -8.43%
R = -8.43%
NLIC VAII UTILITIES
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.037502 110.65004
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 110.65004 1106.5004
1.000
FORMULA: 1000*(1+T)= 1106.5004 - (0.85 * 1000 * 0.05)
= 1064.0004
T = 6.40%
R = 6.40%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.889615 126.74890
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 126.74890 1267.4890
1.000
FORMULA: 1000*(1+T)= 1267.4890 - (0.85 * 1000 * 0.05)
= 1224.9890
T = 22.50%
R = 22.50%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.642026 130.85535
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 130.85535 1308.5535
1.000
FORMULA: 1000*(1+T)= 1308.5535 - (0.85 * 1000 * 0.05)
= 1266.0535
T = 26.61%
R = 26.61%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.132861 163.05603
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 163.05603 1630.5603
1.000
FORMULA: 1000*(1+T)= 1630.5603 - (0.85 * 1000 * 0.05)
= 1588.0603
T = 58.81%
R = 58.81%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.884789 112.55192
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 112.55192 1125.5192
1.000
FORMULA: 1000*(1+T)= 1125.5192 - (0.85 * 1000 * 0.05)
= 1083.0192
T = 8.30%
R = 8.30%
NLIC VAII CAPITAL APPRECIATION
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.123843 98.77672
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 98.77672 1070.8371
1.000
FORMULA: 1000*(1+T)= 1070.8371 - (0.85 * 1000 * 0.05)
= 1028.3371
T = 2.83%
R = 2.83%
NLIC VAII INCOME BUILDER
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.514625 105.10136
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 105.10136 1051.0136
1.000
FORMULA: 1000*(1+T)= 1051.0136 - (0.85 * 1000 * 0.05)
= 1008.5136
T = 0.85%
R = 0.85%
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.304846 136.89543
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.89543 1368.9543
1.000
FORMULA: 1000*(1+T)= 1368.9543 - (0.85 * 1000 * 0.05)
= 1326.4543
T = 32.65%
R = 32.65%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.136722 122.89961
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.89961 1228.9961
1.000
FORMULA: 1000*(1+T)= 1228.9961 - (0.85 * 1000 * 0.05)
= 1186.4961
T = 18.65%
R = 18.65%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.231787 191.13928
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 191.13928 1911.3928
1.000
FORMULA: 1000*(1+T)= 1911.3928 - (0.85 * 1000 * 0.05)
= 1868.8928
T = 86.89%
R = 86.89%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.984026 200.64100
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.64100 2006.4100
1.000
FORMULA: 1000*(1+T)= 2006.4100 - (0.85 * 1000 * 0.05)
= 1963.9100
T = 96.39%
R = 96.39%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.338904 96.72205
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.72205 967.2205
1.000
FORMULA: 1000*(1+T)= 967.2205 - (0.85 * 1000 * 0.05)
= 924.7205
T = -7.53%
R = -7.53%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.078399 123.78690
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 123.78690 1237.8690
1.000
FORMULA: 1000*(1+T)= 1237.8690 - (0.85 * 1000 * 0.05)
= 1195.3690
T = 19.54%
R = 19.54%
NLIC VAII S&P 500 INDEX
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.510285 117.50488
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.50488 1175.0488
1.000
FORMULA: 1000*(1+T)= 1175.0488 - (0.85 * 1000 * 0.05)
= 1132.5488
T = 13.25%
R = 13.25%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.564304 132.19987
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 132.19987 1321.9987
1.000
FORMULA: 1000*(1+T)= 1321.9987 - (0.85 * 1000 * 0.05)
= 1279.4987
T = 27.95%
R = 27.95%
Alliance Growth and Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.133487 109.48721
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 109.48721 1094.8721
1.000
FORMULA: 1000*(1+T)= 1094.8721 - (0.85 * 1000 * 0.05)
= 1052.3721
T = 5.24%
R = 5.24%
Aim Cap App
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.026341 142.32159
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 142.32159 1423.2159
1.000
FORMULA: 1000*(1+T)= 1423.2159 - (0.85 * 1000 * 0.05)
= 1380.7159
T = 38.07%
R = 38.07%
Aim Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.513654 133.09103
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 133.09103 1330.9103
1.000
FORMULA: 1000*(1+T)= 1330.9103 - (0.85 * 1000 * 0.05)
= 1288.4103
T = 28.84%
R = 28.84%
Aim Value
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.822414 127.83778
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 127.83778 1278.3778
1.000
FORMULA: 1000*(1+T)= 1278.3778 - (0.85 * 1000 * 0.05)
= 1235.8778
T = 23.59%
R = 23.59%
Putnam International Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.349148 157.50146
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 157.50146 1575.0146
1.000
FORMULA: 1000*(1+T)= 1575.0146 - (0.85 * 1000 * 0.05)
= 1532.5146
T = 53.25%
R = 53.25%
Putnam Voyager
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.430317 155.51332
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.51332 1555.1332
1.000
FORMULA: 1000*(1+T)= 1555.1332 - (0.85 * 1000 * 0.05)
= 1512.6332
T = 51.26%
R = 51.26%
Putnam Growth & Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.014834 99.85188
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 99.85188 998.5188
1.000
FORMULA: 1000*(1+T)= 998.5188 - (0.85 * 1000 * 0.05)
= 956.0188
T = -4.40%
R = -4.40%
MSDW Mid Cap
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.447050 118.38452
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 118.38452 1183.8452
1.000
FORMULA: 1000*(1+T)= 1183.8452 - (0.85 * 1000 * 0.05)
= 1141.3452
T = 14.13%
R = 14.13%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.521232 117.35393
FEE 31-Dec-95 0 8.834608 0.00000
FEE 31-Dec-96 0 9.115224 0.00000
FEE 31-Dec-97 0 9.416582 0.00000
FEE 31-Dec-98 0 9.721854 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.35393 1173.5393
5.000
FORMULA: 1000*(1+T)= 1173.5393 - (0.85 * 1000 * 0.02)
= 1156.539263
T = 2.95%
R = 15.65%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.249288 121.22258
FEE 31-Dec-95 0 9.288643 0.00000
FEE 31-Dec-96 0 10.209852 0.00000
FEE 31-Dec-97 0 11.212084 0.00000
FEE 31-Dec-98 0 10.324198 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 121.22258 1212.2258
5.000
FORMULA: 1000*(1+T)= 1212.2258 - (0.85 * 1000 * 0.02)
= 1195.225812
T = 3.63%
R = 19.52%
NLIC VAII EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.382581 419.71283
FEE 31-Dec-95 0 3.370686 0.00000
FEE 31-Dec-96 0 3.717571 0.00000
FEE 31-Dec-97 0 5.015620 0.00000
FEE 31-Dec-98 0 6.423039 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 419.71283 4197.1283
5.000
FORMULA: 1000*(1+T)= 4197.1283 - (0.85 * 1000 * 0.02)
= 4180.128312
T = 33.12%
R = 318.01%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 7.499624 133.34002
FEE 31-Dec-95 0 9.178050 0.00000
FEE 31-Dec-96 0 9.149190 0.00000
FEE 31-Dec-97 0 9.979706 0.00000
FEE 31-Dec-98 0 10.646246 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 133.34002 1333.4002
5.000
FORMULA: 1000*(1+T)= 1333.4002 - (0.85 * 1000 * 0.02)
= 1316.400237
T = 5.65%
R = 31.64%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.166316 193.56154
FEE 31-Dec-95 0 5.543716 0.00000
FEE 31-Dec-96 0 6.259134 0.00000
FEE 31-Dec-97 0 6.987403 0.00000
FEE 31-Dec-98 0 8.680471 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 193.56154 1935.6154
5.000
FORMULA: 1000*(1+T)= 1935.6154 - (0.85 * 1000 * 0.02)
= 1918.615361
T = 13.92%
R = 91.86%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.656436 214.75651
FEE 31-Dec-95 0 6.200354 0.00000
FEE 31-Dec-96 0 7.544539 0.00000
FEE 31-Dec-97 0 9.302881 0.00000
FEE 31-Dec-98 0 10.436269 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 214.75651 2147.5651
5.000
FORMULA: 1000*(1+T)= 2147.5651 - (0.85 * 1000 * 0.02)
= 2130.565138
T = 16.33%
R = 113.06%
NLIC VAII UTILITIES
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.426566 225.90874
FEE 31-Dec-95 0 5.586280 0.00000
FEE 31-Dec-96 0 5.959337 0.00000
FEE 31-Dec-97 0 7.438661 0.00000
FEE 31-Dec-98 0 9.037502 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 225.90874 2259.0874
5.000
FORMULA: 1000*(1+T)= 2259.0874 - (0.85 * 1000 * 0.02)
= 2242.087401
T = 17.53%
R = 124.21%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.612320 276.83040
FEE 31-Dec-95 0 4.458633 0.00000
FEE 31-Dec-96 0 5.689156 0.00000
FEE 31-Dec-97 0 6.483170 0.00000
FEE 31-Dec-98 0 7.889615 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 276.83040 2768.3040
5.000
FORMULA: 1000*(1+T)= 2768.3040 - (0.85 * 1000 * 0.02)
= 2751.303987
T = 22.44%
R = 175.13%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.706921 269.76568
FEE 31-Dec-95 0 4.860975 0.00000
FEE 31-Dec-96 0 5.322362 0.00000
FEE 31-Dec-97 0 6.507075 0.00000
FEE 31-Dec-98 0 7.642026 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 269.76568 2697.6568
5.000
FORMULA: 1000*(1+T)= 2697.6568 - (0.85 * 1000 * 0.02)
= 2680.656841
T = 21.80%
R = 168.07%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 10.665738 93.75816
FEE 31-Dec-95 0 11.180436 0.00000
FEE 31-Dec-96 0 11.400995 0.00000
FEE 31-Dec-97 0 6.972477 0.00000
FEE 31-Dec-98 0 6.132861 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.75816 937.5816
5.000
FORMULA: 1000*(1+T)= 937.5816 - (0.85 * 1000 * 0.02)
= 920.5816371
T = -1.64%
R = -7.94%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.278904 189.43325
FEE 31-Dec-95 0 6.335445 0.00000
FEE 31-Dec-96 0 7.312441 0.00000
FEE 31-Dec-97 0 8.042672 0.00000
FEE 31-Dec-98 0 8.884789 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 189.43325 1894.3325
5.000
FORMULA: 1000*(1+T)= 1894.3325 - (0.85 * 1000 * 0.02)
= 1877.332497
T = 13.42%
R = 87.73%
NLIC VAII CAPITAL APPRECIATION
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 11.163269 0.00000
FEE 31-Dec-98 0 10.123843 0.00000
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 9.390450 0.00000
FEE 31-Dec-98 0 9.514625 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 6.237828 0.00000
FEE 31-Dec-98 0 7.304846 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.634101 0.00000
FEE 31-Dec-98 0 8.136722 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 7.175028 0.00000
FEE 31-Dec-97 0 7.065187 0.00000
FEE 31-Dec-98 0 5.231787 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 2.726609 0.00000
FEE 31-Dec-96 0 3.122023 0.00000
FEE 31-Dec-97 0 3.690791 0.00000
FEE 31-Dec-98 0 4.984026 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 12.097612 0.00000
FEE 31-Dec-98 0 10.338904 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.078399 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.510285 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.799883 357.15777
FEE 31-Dec-95 0 3.718119 0.00000
FEE 31-Dec-96 0 4.689781 0.00000
FEE 31-Dec-97 0 5.985950 0.00000
FEE 31-Dec-98 0 7.564304 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 357.15777 3571.5777
5.000
FORMULA: 1000*(1+T)= 3571.5777 - (0.85 * 1000 * 0.02)
= 3554.577673
T = 28.87%
R = 255.46%
Alliance Growth and Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.748071 266.80394
FEE 31-Dec-95 0 4.996961 0.00000
FEE 31-Dec-96 0 6.087074 0.00000
FEE 31-Dec-97 0 7.696255 0.00000
FEE 31-Dec-98 0 9.133487 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 266.80394 2668.0394
5.000
FORMULA: 1000*(1+T)= 2668.0394 - (0.85 * 1000 * 0.02)
= 2651.039359
T = 21.53%
R = 165.10%
Aim Cap App
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.570288 280.08946
FEE 31-Dec-95 0 4.767747 0.00000
FEE 31-Dec-96 0 5.516527 0.00000
FEE 31-Dec-97 0 6.162162 0.00000
FEE 31-Dec-98 0 7.026341 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 280.08946 2800.8946
5.000
FORMULA: 1000*(1+T)= 2800.8946 - (0.85 * 1000 * 0.02)
= 2783.8946
T = 22.72%
R = 178.39%
Aim Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.172230 315.23568
FEE 31-Dec-95 0 4.207528 0.00000
FEE 31-Dec-96 0 4.889399 0.00000
FEE 31-Dec-97 0 6.104696 0.00000
FEE 31-Dec-98 0 7.513654 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 315.23568 3152.3568
5.000
FORMULA: 1000*(1+T)= 3152.3568 - (0.85 * 1000 * 0.02)
= 3135.35681
T = 25.68%
R = 213.54%
Aim Value
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.413906 292.91963
FEE 31-Dec-95 0 4.577811 0.00000
FEE 31-Dec-96 0 5.181536 0.00000
FEE 31-Dec-97 0 6.307296 0.00000
FEE 31-Dec-98 0 7.822414 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 292.91963 2929.1963
5.000
FORMULA: 1000*(1+T)= 2929.1963 - (0.85 * 1000 * 0.02)
= 2912.196334
T = 23.84%
R = 191.22%
Putnam International Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 5.447615 0.00000
FEE 31-Dec-98 0 6.349148 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.771622 360.79959
FEE 31-Dec-95 0 3.825563 0.00000
FEE 31-Dec-96 0 4.240358 0.00000
FEE 31-Dec-97 0 5.263768 0.00000
FEE 31-Dec-98 0 6.430317 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 360.79959 3607.9959
5.000
FORMULA: 1000*(1+T)= 3607.9959 - (0.85 * 1000 * 0.02)
= 3590.995878
T = 29.13%
R = 259.10%
Putnam Growth & Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.517303 221.37104
FEE 31-Dec-95 0 6.059594 0.00000
FEE 31-Dec-96 0 7.248747 0.00000
FEE 31-Dec-97 0 8.829962 0.00000
FEE 31-Dec-98 0 10.014834 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 221.37104 2213.7104
5.000
FORMULA: 1000*(1+T)= 2213.7104 - (0.85 * 1000 * 0.02)
= 2196.710369
T = 17.05%
R = 119.67%
MSDW Mid Cap
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.625185 0.00000
FEE 31-Dec-98 0 8.447050 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 7.417636 134.81384
FEE 29-Dec-90 0 7.856091 0.00000
FEE 29-Dec-91 0 8.156955 0.00000
FEE 29-Dec-92 0 8.284320 0.00000
FEE 29-Dec-93 0 8.356140 0.00000
FEE 29-Dec-94 0 8.515946 0.00000
FEE 29-Dec-95 0 8.834608 0.00000
FEE 29-Dec-96 0 9.112109 0.00000
FEE 29-Dec-97 0 9.414824 0.00000
FEE 29-Dec-98 0 9.720341 0.00000
FEE 29-Dec-99 0 9.998044 0.00000
RESULTING VALUE 29-Dec-99 9.998044 134.81384 1347.8747
10.000
FORMULA: 1000*(1+T)= 1347.8747 - (0.85 * 1000 * 0)
= 1347.874714
T = 3.03%
R = 34.79%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.418665 184.54730
FEE 29-Dec-90 0 3.937705 0.00000
FEE 29-Dec-91 0 5.986942 0.00000
FEE 29-Dec-92 0 7.055588 0.00000
FEE 29-Dec-93 0 8.564340 0.00000
FEE 29-Dec-94 0 8.223931 0.00000
FEE 29-Dec-95 0 9.288643 0.00000
FEE 29-Dec-96 0 10.190787 0.00000
FEE 29-Dec-97 0 11.198444 0.00000
FEE 29-Dec-98 0 10.303369 0.00000
FEE 29-Dec-99 0 9.987366 0.00000
RESULTING VALUE 29-Dec-99 9.987366 184.54730 1843.1415
10.000
FORMULA: 1000*(1+T)= 1843.1415 - (0.85 * 1000 * 0)
= 1843.141462
T = 6.31%
R = 84.31%
NLIC VAII EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.512002 661.37491
FEE 29-Dec-90 0 1.425587 0.00000
FEE 29-Dec-91 0 2.175343 0.00000
FEE 29-Dec-92 0 2.173940 0.00000
FEE 29-Dec-93 0 2.574958 0.00000
FEE 29-Dec-94 0 2.413970 0.00000
FEE 29-Dec-95 0 3.370686 0.00000
FEE 29-Dec-96 0 3.761005 0.00000
FEE 29-Dec-97 0 4.889814 0.00000
FEE 29-Dec-98 0 6.413226 0.00000
FEE 29-Dec-99 0 9.869786 0.00000
RESULTING VALUE 29-Dec-99 9.869786 661.37491 6527.6289
10.000
FORMULA: 1000*(1+T)= 6527.6289 - (0.85 * 1000 * 0)
= 6527.628901
T = 20.64%
R = 552.76%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.700506 175.42303
FEE 29-Dec-90 0 5.944890 0.00000
FEE 29-Dec-91 0 6.911768 0.00000
FEE 29-Dec-92 0 7.392409 0.00000
FEE 29-Dec-93 0 8.259725 0.00000
FEE 29-Dec-94 0 7.532550 0.00000
FEE 29-Dec-95 0 9.178050 0.00000
FEE 29-Dec-96 0 9.219657 0.00000
FEE 29-Dec-97 0 9.969144 0.00000
FEE 29-Dec-98 0 10.612713 0.00000
FEE 29-Dec-99 0 10.023510 0.00000
RESULTING VALUE 29-Dec-99 10.023510 175.42303 1758.3545
10.000
FORMULA: 1000*(1+T)= 1758.3545 - (0.85 * 1000 * 0)
= 1758.354546
T = 5.81%
R = 75.84%
NLIC VAII STRATEGIST
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.532875 283.05556
FEE 29-Dec-90 0 3.507891 0.00000
FEE 29-Dec-91 0 4.335540 0.00000
FEE 29-Dec-92 0 4.664681 0.00000
FEE 29-Dec-93 0 5.083227 0.00000
FEE 29-Dec-94 0 5.162120 0.00000
FEE 29-Dec-95 0 5.543716 0.00000
FEE 29-Dec-96 0 6.333633 0.00000
FEE 29-Dec-97 0 6.896761 0.00000
FEE 29-Dec-98 0 8.701026 0.00000
FEE 29-Dec-99 0 9.954563 0.00000
RESULTING VALUE 29-Dec-99 9.954563 283.05556 2817.6943
10.000
FORMULA: 1000*(1+T)= 2817.6943 - (0.85 * 1000 * 0)
= 2817.694279
T = 10.91%
R = 181.77%
NLIC VAII DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.248294 0.00000
FEE 29-Dec-91 0 4.003141 0.00000
FEE 29-Dec-92 0 4.341161 0.00000
FEE 29-Dec-93 0 4.907710 0.00000
FEE 29-Dec-94 0 4.642610 0.00000
FEE 29-Dec-95 0 6.200354 0.00000
FEE 29-Dec-96 0 7.663510 0.00000
FEE 29-Dec-97 0 9.149705 0.00000
FEE 29-Dec-98 0 10.501147 0.00000
FEE 29-Dec-99 0 9.909608 0.00000
RESULTING VALUE 29-Dec-99 9.909608 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII UTILITIES
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.338916 0.00000
FEE 29-Dec-91 0 3.882167 0.00000
FEE 29-Dec-92 0 4.360876 0.00000
FEE 29-Dec-93 0 4.978025 0.00000
FEE 29-Dec-94 0 4.434398 0.00000
FEE 29-Dec-95 0 5.586280 0.00000
FEE 29-Dec-96 0 6.006653 0.00000
FEE 29-Dec-97 0 7.386581 0.00000
FEE 29-Dec-98 0 9.018875 0.00000
FEE 29-Dec-99 0 9.911385 0.00000
RESULTING VALUE 29-Dec-99 9.911385 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EUROPEAN GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 2.361034 0.00000
FEE 29-Dec-92 0 2.442570 0.00000
FEE 29-Dec-93 0 3.437512 0.00000
FEE 29-Dec-94 0 3.595396 0.00000
FEE 29-Dec-95 0 4.458633 0.00000
FEE 29-Dec-96 0 5.600562 0.00000
FEE 29-Dec-97 0 6.481073 0.00000
FEE 29-Dec-98 0 7.951381 0.00000
FEE 29-Dec-99 0 9.854821 0.00000
RESULTING VALUE 29-Dec-99 9.854821 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 4.117088 0.00000
FEE 29-Dec-92 0 4.206857 0.00000
FEE 29-Dec-93 0 3.856995 0.00000
FEE 29-Dec-94 0 3.731812 0.00000
FEE 29-Dec-95 0 4.860975 0.00000
FEE 29-Dec-96 0 5.339426 0.00000
FEE 29-Dec-97 0 6.255099 0.00000
FEE 29-Dec-98 0 7.470116 0.00000
FEE 29-Dec-99 0 9.899861 0.00000
RESULTING VALUE 29-Dec-99 9.899861 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII PACIFIC GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 10.748249 0.00000
FEE 29-Dec-95 0 11.180436 0.00000
FEE 29-Dec-96 0 11.323150 0.00000
FEE 29-Dec-97 0 6.882027 0.00000
FEE 29-Dec-98 0 6.073932 0.00000
FEE 29-Dec-99 0 9.883071 0.00000
RESULTING VALUE 29-Dec-99 9.883071 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 5.272049 0.00000
FEE 29-Dec-95 0 6.335445 0.00000
FEE 29-Dec-96 0 7.315629 0.00000
FEE 29-Dec-97 0 7.958851 0.00000
FEE 29-Dec-98 0 8.860312 0.00000
FEE 29-Dec-99 0 9.906482 0.00000
RESULTING VALUE 29-Dec-99 9.906482 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL APPRECIATION
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 10.769665 0.00000
FEE 29-Dec-98 0 10.066025 0.00000
FEE 29-Dec-99 0 10.840987 0.00000
RESULTING VALUE 29-Dec-99 10.840987 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 9.270408 0.00000
FEE 29-Dec-98 0 9.449234 0.00000
FEE 29-Dec-99 0 9.849474 0.00000
RESULTING VALUE 29-Dec-99 9.849474 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 6.081757 0.00000
FEE 29-Dec-98 0 7.310425 0.00000
FEE 29-Dec-99 0 9.956694 0.00000
RESULTING VALUE 29-Dec-99 9.956694 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 7.590740 0.00000
FEE 29-Dec-98 0 8.123054 0.00000
FEE 29-Dec-99 0 9.878605 0.00000
RESULTING VALUE 29-Dec-99 9.878605 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 7.161801 0.00000
FEE 29-Dec-97 0 6.983476 0.00000
FEE 29-Dec-98 0 5.202879 0.00000
FEE 29-Dec-99 0 9.885389 0.00000
RESULTING VALUE 29-Dec-99 9.885389 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 2.726609 0.00000
FEE 29-Dec-96 0 3.113509 0.00000
FEE 29-Dec-97 0 3.545306 0.00000
FEE 29-Dec-98 0 4.902994 0.00000
FEE 29-Dec-99 0 9.862555 0.00000
RESULTING VALUE 29-Dec-99 9.862555 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 11.897358 0.00000
FEE 29-Dec-98 0 10.171128 0.00000
FEE 29-Dec-99 0 9.935142 0.00000
RESULTING VALUE 29-Dec-99 9.935142 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.103927 0.00000
FEE 29-Dec-99 0 9.968673 0.00000
RESULTING VALUE 29-Dec-99 9.968673 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.587009 0.00000
FEE 29-Dec-99 0 9.963778 0.00000
RESULTING VALUE 29-Dec-99 9.963778 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 9.884318 0.00000
RESULTING VALUE 29-Dec-99 9.884318 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 10.005611 0.00000
RESULTING VALUE 29-Dec-99 10.005611 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.609051 621.48423
FEE 29-Dec-90 0 1.533271 0.00000
FEE 29-Dec-91 0 2.130802 0.00000
FEE 29-Dec-92 0 2.368234 0.00000
FEE 29-Dec-93 0 2.777336 0.00000
FEE 29-Dec-94 0 2.769413 0.00000
FEE 29-Dec-95 0 3.825961 0.00000
FEE 29-Dec-96 0 4.249062 0.00000
FEE 29-Dec-97 0 5.108049 0.00000
FEE 29-Dec-98 0 6.322783 0.00000
FEE 29-Dec-99 0 9.875312 0.00000
RESULTING VALUE 29-Dec-99 9.875312 621.48423 6137.3507
10.000
FORMULA: 1000*(1+T)= 6137.3507 - (0.85 * 1000 * 0)
= 6137.350653
T = 19.89%
R = 513.74%
Putnam Growth & Income
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.252250 307.47942
FEE 29-Dec-90 0 3.248987 0.00000
FEE 29-Dec-91 0 3.736369 0.00000
FEE 29-Dec-92 0 4.082326 0.00000
FEE 29-Dec-93 0 4.604272 0.00000
FEE 29-Dec-94 0 4.517773 0.00000
FEE 29-Dec-95 0 6.060225 0.00000
FEE 29-Dec-96 0 7.365390 0.00000
FEE 29-Dec-97 0 8.681198 0.00000
FEE 29-Dec-98 0 10.113261 0.00000
FEE 29-Dec-99 0 9.952272 0.00000
RESULTING VALUE 29-Dec-99 9.952272 307.47942 3060.1189
10.000
FORMULA: 1000*(1+T)= 3060.1189 - (0.85 * 1000 * 0)
= 3060.118888
T = 11.83%
R = 206.01%
NLIC VAII MONEY MARKET
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 5.563931 179.72905
1 FEE 09-Mar-85 0 5.769444 0.00000 0.06
2 FEE 09-Mar-86 0 6.098793 0.00000 0.05
3 FEE 09-Mar-87 0 6.351695 0.00000 0.05
4 09-Mar-88 0 6.641037 0.00000 0.04
5 09-Mar-89 0 7.016214 0.00000 0.03
6 09-Mar-90 0 7.502360 0.00000 0.02
7 09-Mar-91 0 7.928454 0.00000 0
8 09-Mar-92 0 8.193034 0.00000 0
9 09-Mar-93 0 8.300285 0.00000 0
10 09-Mar-94 0 8.370483 0.00000 0
11 09-Mar-95 0 8.577030 0.00000 0
12 09-Mar-96 0 8.889021 0.00000 0
13 09-Mar-97 0 9.166406 0.00000 0
14 FEE 09-Mar-98 0 9.474443 0.00000 0
15 FEE 09-Mar-99 0 9.771142 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 179.72905 1797.2905
15.811
FORMULA: 1000*(1+T)= 1797.2905
= 1797.290511
T = 3.78%
R = 79.73%
NLIC VAII HIGH YIELD
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 3.944201 253.53674
1 FEE 09-Mar-85 0 4.398897 0.00000 0.06
2 FEE 09-Mar-86 0 5.554507 0.00000 0.05
3 FEE 09-Mar-87 0 6.521386 0.00000 0.05
4 09-Mar-88 0 6.169265 0.00000 0.04
5 09-Mar-89 0 6.554363 0.00000 0.03
6 09-Mar-90 0 5.103243 0.00000 0.02
7 09-Mar-91 0 4.626255 0.00000 0
8 09-Mar-92 0 6.984723 0.00000 0
9 09-Mar-93 0 7.578308 0.00000 0
10 09-Mar-94 0 8.859192 0.00000 0
11 09-Mar-95 0 8.352480 0.00000 0
12 09-Mar-96 0 9.504487 0.00000 0
13 09-Mar-97 0 10.209348 0.00000 0
14 FEE 09-Mar-98 0 11.390291 0.00000 0
15 FEE 09-Mar-99 0 10.187016 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 253.53674 2535.3674
15.811
FORMULA: 1000*(1+T)= 2535.3674
= 2535.367431
T = 6.06%
R = 153.54%
NLIC VAII EQUITY
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 0.869207 1150.47398
1 FEE 09-Mar-85 0 0.988527 0.00000 0.06
2 FEE 09-Mar-86 0 1.259527 0.00000 0.05
3 FEE 09-Mar-87 0 1.556397 0.00000 0.05
4 09-Mar-88 0 1.330267 0.00000 0.04
5 09-Mar-89 0 1.358496 0.00000 0.03
6 09-Mar-90 0 1.456587 0.00000 0.02
7 09-Mar-91 0 1.696548 0.00000 0
8 09-Mar-92 0 2.072826 0.00000 0
9 09-Mar-93 0 2.312740 0.00000 0
10 09-Mar-94 0 2.690968 0.00000 0
11 09-Mar-95 0 2.490897 0.00000 0
12 09-Mar-96 0 3.378585 0.00000 0
13 09-Mar-97 0 4.008440 0.00000 0
14 FEE 09-Mar-98 0 5.337779 0.00000 0
15 FEE 09-Mar-99 0 6.991709 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 1150.47398 11504.7398
15.811
FORMULA: 1000*(1+T)= 11504.7398
= 11504.73982
T = 16.71%
R = 1050.47%
NLIC VAII QUALITY INCOME
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 5.069110 0.00000 0.06
2 FEE 01-Mar-89 0 5.145717 0.00000 0.05
3 FEE 01-Mar-90 0 5.562936 0.00000 0.05
4 01-Mar-91 0 6.117093 0.00000 0.04
5 01-Mar-92 0 6.888775 0.00000 0.03
6 01-Mar-93 0 7.779857 0.00000 0.02
7 01-Mar-94 0 8.017403 0.00000 0
8 01-Mar-95 0 7.887907 0.00000 0
9 01-Mar-96 0 8.963154 0.00000 0
10 01-Mar-97 0 9.164082 0.00000 0
11 01-Mar-98 0 10.052779 0.00000 0
12 01-Mar-99 0 10.326276 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII STRATEGIST
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 3.153501 0.00000 0.06
2 FEE 01-Mar-89 0 3.279650 0.00000 0.05
3 FEE 01-Mar-90 0 3.522617 0.00000 0.05
4 01-Mar-91 0 3.928326 0.00000 0.04
5 01-Mar-92 0 4.469586 0.00000 0.03
6 01-Mar-93 0 4.775847 0.00000 0.02
7 01-Mar-94 0 5.101981 0.00000 0
8 01-Mar-95 0 5.205067 0.00000 0
9 01-Mar-96 0 5.708225 0.00000 0
10 01-Mar-97 0 6.490627 0.00000 0
11 01-Mar-98 0 7.461225 0.00000 0
12 01-Mar-99 0 8.763376 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.593818 278.25561
1 FEE 01-Mar-91 0 3.681886 0.00000 0.06
2 FEE 01-Mar-92 0 4.110500 0.00000 0.05
3 FEE 01-Mar-93 0 4.492197 0.00000 0.05
4 01-Mar-94 0 4.807839 0.00000 0.04
5 01-Mar-95 0 4.926142 0.00000 0.03
6 01-Mar-96 0 6.569185 0.00000 0.02
7 01-Mar-97 0 7.820466 0.00000 0
8 01-Mar-98 0 9.876850 0.00000 0
9 01-Mar-99 0 10.202416 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 278.25561 2782.5561
9.834
FORMULA: 1000*(1+T)= 2782.5561
= 2782.556083
T = 10.97%
R = 178.26%
NLIC VAII UTILITIES
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.237307 308.89871
1 FEE 01-Mar-91 0 3.437432 0.00000 0.06
2 FEE 01-Mar-92 0 3.797553 0.00000 0.05
3 FEE 01-Mar-93 0 4.683841 0.00000 0.05
4 01-Mar-94 0 4.699490 0.00000 0.04
5 01-Mar-95 0 4.593407 0.00000 0.03
6 01-Mar-96 0 5.617825 0.00000 0.02
7 01-Mar-97 0 6.011264 0.00000 0
8 01-Mar-98 0 7.640277 0.00000 0
9 01-Mar-99 0 8.700554 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 308.89871 3088.9871
9.834
FORMULA: 1000*(1+T)= 3088.9871
= 3088.987113
T = 12.15%
R = 208.90%
<PAGE>
Standardized - (WITH THE ENHANCED EARNINGS DEATH BENEFIT OPTION AND THE
PERFORMANCE DEATH BENEFIT OPTION)
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.304846 136.89543
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.89543 1368.9543
1.000
FORMULA: 1000*(1+T)= 1368.9543 - (0.85 * 1000 * 0.05)
= 1326.4543
T = 32.65%
R = 32.65%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.136722 122.89961
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.89961 1228.9961
1.000
FORMULA: 1000*(1+T)= 1228.9961 - (0.85 * 1000 * 0.05)
= 1186.4961
T = 18.65%
R = 18.65%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.231787 191.13928
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 191.13928 1911.3928
1.000
FORMULA: 1000*(1+T)= 1911.3928 - (0.85 * 1000 * 0.05)
= 1868.8928
T = 86.89%
R = 86.89%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.984026 200.64100
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.64100 2006.4100
1.000
FORMULA: 1000*(1+T)= 2006.4100 - (0.85 * 1000 * 0.05)
= 1963.9100
T = 96.39%
R = 96.39%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.338904 96.72205
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.72205 967.2205
1.000
FORMULA: 1000*(1+T)= 967.2205 - (0.85 * 1000 * 0.05)
= 924.7205
T = -7.53%
R = -7.53%
NLIC VAII EQUITY GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.258074 137.77759
1 FEE 16-Mar-99 0 7.841098 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.77759 1377.7759
1.793
FORMULA: 1000*(1+T)= 1377.7759
= 1335.275884
T = 17.50%
R = 33.53%
NLIC VAII INTERNATIONAL MAGNUM
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 8.374509 119.40999
1 FEE 16-Mar-99 0 8.163601 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 119.40999 1194.0999
1.793
FORMULA: 1000*(1+T)= 1194.0999
= 1151.599912
T = 8.19%
R = 15.16%
NLIC VAII EMERGING MARKETS
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.434041 134.51634
1 FEE 16-Mar-99 0 5.754463 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.51634 1345.1634
1.793
FORMULA: 1000*(1+T)= 1345.1634
= 1302.663402
T = 15.89%
R = 30.27%
NLIC VAII EMERGING GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 4.170792 239.76264
1 FEE 16-Mar-99 0 5.513979 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 239.76264 2397.6264
1.793
FORMULA: 1000*(1+T)= 2397.6264
= 2355.126372
T = 61.23%
R = 135.51%
NLIC VAII REAL ESTATE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 11.718435 85.33563
1 FEE 18-May-99 0 11.105062 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 85.33563 853.3563
1.621
FORMULA: 1000*(1+T)= 853.3563
= 810.8562762
T = -12.13%
R = -18.91%
<PAGE>
Non-Standardized Calculations
Dates:
Current: 12/31/99
3 Months Ago: 09/30/99
End of Last Year: 12/31/98
One Yr Ago: 12/31/98
Two Yrs Ago: 12/31/97
Three Yrs Ago: 12/31/96
Five Yrs Ago: 12/31/94
Ten Yrs Ago: 12/31/89
Inception Inception Ten Yr Five Yr Three Two One Yr YTD 3 Months Today's
Fund Date AUV AUV AUV AUV AUV AUV AUV AUV AUV
Emerging Growth 03/16/98 4.170791629 N/A N/A N/A N/A 4.984026305 4.984026305 6.256484916 10
Emerging Markets 03/16/98 7.434041085 N/A N/A N/A N/A 5.231786962 5.231786962 6.721810218 10
Equity Growth 03/16/98 7.258074491 N/A N/A N/A N/A 7.304845891 7.304845891 8.247207643 10
International Magnum 03/16/98 8.374508616 N/A N/A N/A N/A 8.136722332 8.136722332 8.960654851 10
Real Estate 05/18/98 11.71843494 N/A N/A N/A N/A 10.33890394 10.33890394 10.14776072 10
Non-Standardized Performance
Inception Ten Years Five Years Three Years Two Years One Year YTD Three Months
Total Average Total Average Total Average Total Average Total Average
139.76% 62.79% N/A N/A N/A N/A N/A N/A N/A N/A 100.64% 100.64% 59.83%
34.52% 17.97% N/A N/A N/A N/A N/A N/A N/A N/A 91.14% 91.14% 48.77%
37.78% 19.55% N/A N/A N/A N/A N/A N/A N/A N/A 36.90% 36.90% 21.25%
19.41% 10.39% N/A N/A N/A N/A N/A N/A N/A N/A 22.90% 22.90% 11.60%
-14.66% -9.31% N/A N/A N/A N/A N/A N/A N/A N/A -3.28% -3.28% -1.46%
<PAGE>
Adjusted Historical
NLIC VAII MONEY MARKET
31-Dec-98 NO. YEARS 1.000
TO
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.721854 102.86104
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 102.86104 1028.6104
1.000
FORMULA: 1000*(1+T)= 1028.6104 - (0.85 * 1000 * 0.05)
= 986.1104
T = -1.39%
R = -1.39%
NLIC VAII HIGH YIELD
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.324198 96.85983
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.85983 968.5983
1.000
FORMULA: 1000*(1+T)= 968.5983 - (0.85 * 1000 * 0.05)
= 926.0983
T = -7.39%
R = -7.39%
NLIC VAII EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.423039 155.68955
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.68955 1556.8955
1.000
FORMULA: 1000*(1+T)= 1556.8955 - (0.85 * 1000 * 0.05)
= 1514.3955
T = 51.44%
R = 51.44%
NLIC VAII QUALITY INCOME
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.646246 93.92982
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.92982 939.2982
1.000
FORMULA: 1000*(1+T)= 939.2982 - (0.85 * 1000 * 0.05)
= 896.7982
T = -10.32%
R = -10.32%
NLIC VAII STRATEGIST
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.680471 115.20113
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 115.20113 1152.0113
1.000
FORMULA: 1000*(1+T)= 1152.0113 - (0.85 * 1000 * 0.05)
= 1109.5113
T = 10.95%
R = 10.95%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.436269 95.81968
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 95.81968 958.1968
1.000
FORMULA: 1000*(1+T)= 958.1968 - (0.85 * 1000 * 0.05)
= 915.6968
T = -8.43%
R = -8.43%
NLIC VAII UTILITIES
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.037502 110.65004
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 110.65004 1106.5004
1.000
FORMULA: 1000*(1+T)= 1106.5004 - (0.85 * 1000 * 0.05)
= 1064.0004
T = 6.40%
R = 6.40%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.889615 126.74890
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 126.74890 1267.4890
1.000
FORMULA: 1000*(1+T)= 1267.4890 - (0.85 * 1000 * 0.05)
= 1224.9890
T = 22.50%
R = 22.50%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.642026 130.85535
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 130.85535 1308.5535
1.000
FORMULA: 1000*(1+T)= 1308.5535 - (0.85 * 1000 * 0.05)
= 1266.0535
T = 26.61%
R = 26.61%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.132861 163.05603
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 163.05603 1630.5603
1.000
FORMULA: 1000*(1+T)= 1630.5603 - (0.85 * 1000 * 0.05)
= 1588.0603
T = 58.81%
R = 58.81%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.884789 112.55192
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 112.55192 1125.5192
1.000
FORMULA: 1000*(1+T)= 1125.5192 - (0.85 * 1000 * 0.05)
= 1083.0192
T = 8.30%
R = 8.30%
NLIC VAII CAPITAL APPRECIATION
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.123843 98.77672
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 98.77672 1070.8371
1.000
FORMULA: 1000*(1+T)= 1070.8371 - (0.85 * 1000 * 0.05)
= 1028.3371
T = 2.83%
R = 2.83%
NLIC VAII INCOME BUILDER
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.514625 105.10136
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 105.10136 1051.0136
1.000
FORMULA: 1000*(1+T)= 1051.0136 - (0.85 * 1000 * 0.05)
= 1008.5136
T = 0.85%
R = 0.85%
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.304846 136.89543
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.89543 1368.9543
1.000
FORMULA: 1000*(1+T)= 1368.9543 - (0.85 * 1000 * 0.05)
= 1326.4543
T = 32.65%
R = 32.65%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.136722 122.89961
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.89961 1228.9961
1.000
FORMULA: 1000*(1+T)= 1228.9961 - (0.85 * 1000 * 0.05)
= 1186.4961
T = 18.65%
R = 18.65%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.231787 191.13928
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 191.13928 1911.3928
1.000
FORMULA: 1000*(1+T)= 1911.3928 - (0.85 * 1000 * 0.05)
= 1868.8928
T = 86.89%
R = 86.89%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.984026 200.64100
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.64100 2006.4100
1.000
FORMULA: 1000*(1+T)= 2006.4100 - (0.85 * 1000 * 0.05)
= 1963.9100
T = 96.39%
R = 96.39%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.338904 96.72205
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.72205 967.2205
1.000
FORMULA: 1000*(1+T)= 967.2205 - (0.85 * 1000 * 0.05)
= 924.7205
T = -7.53%
R = -7.53%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.078399 123.78690
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 123.78690 1237.8690
1.000
FORMULA: 1000*(1+T)= 1237.8690 - (0.85 * 1000 * 0.05)
= 1195.3690
T = 19.54%
R = 19.54%
NLIC VAII S&P 500 INDEX
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.510285 117.50488
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.50488 1175.0488
1.000
FORMULA: 1000*(1+T)= 1175.0488 - (0.85 * 1000 * 0.05)
= 1132.5488
T = 13.25%
R = 13.25%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.564304 132.19987
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 132.19987 1321.9987
1.000
FORMULA: 1000*(1+T)= 1321.9987 - (0.85 * 1000 * 0.05)
= 1279.4987
T = 27.95%
R = 27.95%
Alliance Growth and Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.133487 109.48721
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 109.48721 1094.8721
1.000
FORMULA: 1000*(1+T)= 1094.8721 - (0.85 * 1000 * 0.05)
= 1052.3721
T = 5.24%
R = 5.24%
Aim Cap App
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.026341 142.32159
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 142.32159 1423.2159
1.000
FORMULA: 1000*(1+T)= 1423.2159 - (0.85 * 1000 * 0.05)
= 1380.7159
T = 38.07%
R = 38.07%
Aim Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.513654 133.09103
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 133.09103 1330.9103
1.000
FORMULA: 1000*(1+T)= 1330.9103 - (0.85 * 1000 * 0.05)
= 1288.4103
T = 28.84%
R = 28.84%
Aim Value
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.822414 127.83778
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 127.83778 1278.3778
1.000
FORMULA: 1000*(1+T)= 1278.3778 - (0.85 * 1000 * 0.05)
= 1235.8778
T = 23.59%
R = 23.59%
Putnam International Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.349148 157.50146
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 157.50146 1575.0146
1.000
FORMULA: 1000*(1+T)= 1575.0146 - (0.85 * 1000 * 0.05)
= 1532.5146
T = 53.25%
R = 53.25%
Putnam Voyager
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.430317 155.51332
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.51332 1555.1332
1.000
FORMULA: 1000*(1+T)= 1555.1332 - (0.85 * 1000 * 0.05)
= 1512.6332
T = 51.26%
R = 51.26%
Putnam Growth & Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.014834 99.85188
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 99.85188 998.5188
1.000
FORMULA: 1000*(1+T)= 998.5188 - (0.85 * 1000 * 0.05)
= 956.0188
T = -4.40%
R = -4.40%
MSDW Mid Cap
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.447050 118.38452
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 118.38452 1183.8452
1.000
FORMULA: 1000*(1+T)= 1183.8452 - (0.85 * 1000 * 0.05)
= 1141.3452
T = 14.13%
R = 14.13%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.521232 117.35393
FEE 31-Dec-95 0 8.834608 0.00000
FEE 31-Dec-96 0 9.115224 0.00000
FEE 31-Dec-97 0 9.416582 0.00000
FEE 31-Dec-98 0 9.721854 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.35393 1173.5393
5.000
FORMULA: 1000*(1+T)= 1173.5393 - (0.85 * 1000 * 0.02)
= 1156.539263
T = 2.95%
R = 15.65%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.249288 121.22258
FEE 31-Dec-95 0 9.288643 0.00000
FEE 31-Dec-96 0 10.209852 0.00000
FEE 31-Dec-97 0 11.212084 0.00000
FEE 31-Dec-98 0 10.324198 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 121.22258 1212.2258
5.000
FORMULA: 1000*(1+T)= 1212.2258 - (0.85 * 1000 * 0.02)
= 1195.225812
T = 3.63%
R = 19.52%
NLIC VAII EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.382581 419.71283
FEE 31-Dec-95 0 3.370686 0.00000
FEE 31-Dec-96 0 3.717571 0.00000
FEE 31-Dec-97 0 5.015620 0.00000
FEE 31-Dec-98 0 6.423039 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 419.71283 4197.1283
5.000
FORMULA: 1000*(1+T)= 4197.1283 - (0.85 * 1000 * 0.02)
= 4180.128312
T = 33.12%
R = 318.01%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 7.499624 133.34002
FEE 31-Dec-95 0 9.178050 0.00000
FEE 31-Dec-96 0 9.149190 0.00000
FEE 31-Dec-97 0 9.979706 0.00000
FEE 31-Dec-98 0 10.646246 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 133.34002 1333.4002
5.000
FORMULA: 1000*(1+T)= 1333.4002 - (0.85 * 1000 * 0.02)
= 1316.400237
T = 5.65%
R = 31.64%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.166316 193.56154
FEE 31-Dec-95 0 5.543716 0.00000
FEE 31-Dec-96 0 6.259134 0.00000
FEE 31-Dec-97 0 6.987403 0.00000
FEE 31-Dec-98 0 8.680471 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 193.56154 1935.6154
5.000
FORMULA: 1000*(1+T)= 1935.6154 - (0.85 * 1000 * 0.02)
= 1918.615361
T = 13.92%
R = 91.86%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.656436 214.75651
FEE 31-Dec-95 0 6.200354 0.00000
FEE 31-Dec-96 0 7.544539 0.00000
FEE 31-Dec-97 0 9.302881 0.00000
FEE 31-Dec-98 0 10.436269 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 214.75651 2147.5651
5.000
FORMULA: 1000*(1+T)= 2147.5651 - (0.85 * 1000 * 0.02)
= 2130.565138
T = 16.33%
R = 113.06%
NLIC VAII UTILITIES
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.426566 225.90874
FEE 31-Dec-95 0 5.586280 0.00000
FEE 31-Dec-96 0 5.959337 0.00000
FEE 31-Dec-97 0 7.438661 0.00000
FEE 31-Dec-98 0 9.037502 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 225.90874 2259.0874
5.000
FORMULA: 1000*(1+T)= 2259.0874 - (0.85 * 1000 * 0.02)
= 2242.087401
T = 17.53%
R = 124.21%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.612320 276.83040
FEE 31-Dec-95 0 4.458633 0.00000
FEE 31-Dec-96 0 5.689156 0.00000
FEE 31-Dec-97 0 6.483170 0.00000
FEE 31-Dec-98 0 7.889615 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 276.83040 2768.3040
5.000
FORMULA: 1000*(1+T)= 2768.3040 - (0.85 * 1000 * 0.02)
= 2751.303987
T = 22.44%
R = 175.13%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.706921 269.76568
FEE 31-Dec-95 0 4.860975 0.00000
FEE 31-Dec-96 0 5.322362 0.00000
FEE 31-Dec-97 0 6.507075 0.00000
FEE 31-Dec-98 0 7.642026 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 269.76568 2697.6568
5.000
FORMULA: 1000*(1+T)= 2697.6568 - (0.85 * 1000 * 0.02)
= 2680.656841
T = 21.80%
R = 168.07%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 10.665738 93.75816
FEE 31-Dec-95 0 11.180436 0.00000
FEE 31-Dec-96 0 11.400995 0.00000
FEE 31-Dec-97 0 6.972477 0.00000
FEE 31-Dec-98 0 6.132861 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.75816 937.5816
5.000
FORMULA: 1000*(1+T)= 937.5816 - (0.85 * 1000 * 0.02)
= 920.5816371
T = -1.64%
R = -7.94%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.278904 189.43325
FEE 31-Dec-95 0 6.335445 0.00000
FEE 31-Dec-96 0 7.312441 0.00000
FEE 31-Dec-97 0 8.042672 0.00000
FEE 31-Dec-98 0 8.884789 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 189.43325 1894.3325
5.000
FORMULA: 1000*(1+T)= 1894.3325 - (0.85 * 1000 * 0.02)
= 1877.332497
T = 13.42%
R = 87.73%
NLIC VAII CAPITAL APPRECIATION
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 11.163269 0.00000
FEE 31-Dec-98 0 10.123843 0.00000
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 9.390450 0.00000
FEE 31-Dec-98 0 9.514625 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 6.237828 0.00000
FEE 31-Dec-98 0 7.304846 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.634101 0.00000
FEE 31-Dec-98 0 8.136722 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 7.175028 0.00000
FEE 31-Dec-97 0 7.065187 0.00000
FEE 31-Dec-98 0 5.231787 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 2.726609 0.00000
FEE 31-Dec-96 0 3.122023 0.00000
FEE 31-Dec-97 0 3.690791 0.00000
FEE 31-Dec-98 0 4.984026 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 12.097612 0.00000
FEE 31-Dec-98 0 10.338904 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.078399 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.510285 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.799883 357.15777
FEE 31-Dec-95 0 3.718119 0.00000
FEE 31-Dec-96 0 4.689781 0.00000
FEE 31-Dec-97 0 5.985950 0.00000
FEE 31-Dec-98 0 7.564304 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 357.15777 3571.5777
5.000
FORMULA: 1000*(1+T)= 3571.5777 - (0.85 * 1000 * 0.02)
= 3554.577673
T = 28.87%
R = 255.46%
Alliance Growth and Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.748071 266.80394
FEE 31-Dec-95 0 4.996961 0.00000
FEE 31-Dec-96 0 6.087074 0.00000
FEE 31-Dec-97 0 7.696255 0.00000
FEE 31-Dec-98 0 9.133487 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 266.80394 2668.0394
5.000
FORMULA: 1000*(1+T)= 2668.0394 - (0.85 * 1000 * 0.02)
= 2651.039359
T = 21.53%
R = 165.10%
Aim Cap App
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.570288 280.08946
FEE 31-Dec-95 0 4.767747 0.00000
FEE 31-Dec-96 0 5.516527 0.00000
FEE 31-Dec-97 0 6.162162 0.00000
FEE 31-Dec-98 0 7.026341 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 280.08946 2800.8946
5.000
FORMULA: 1000*(1+T)= 2800.8946 - (0.85 * 1000 * 0.02)
= 2783.8946
T = 22.72%
R = 178.39%
Aim Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.172230 315.23568
FEE 31-Dec-95 0 4.207528 0.00000
FEE 31-Dec-96 0 4.889399 0.00000
FEE 31-Dec-97 0 6.104696 0.00000
FEE 31-Dec-98 0 7.513654 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 315.23568 3152.3568
5.000
FORMULA: 1000*(1+T)= 3152.3568 - (0.85 * 1000 * 0.02)
= 3135.35681
T = 25.68%
R = 213.54%
Aim Value
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.413906 292.91963
FEE 31-Dec-95 0 4.577811 0.00000
FEE 31-Dec-96 0 5.181536 0.00000
FEE 31-Dec-97 0 6.307296 0.00000
FEE 31-Dec-98 0 7.822414 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 292.91963 2929.1963
5.000
FORMULA: 1000*(1+T)= 2929.1963 - (0.85 * 1000 * 0.02)
= 2912.196334
T = 23.84%
R = 191.22%
Putnam International Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 5.447615 0.00000
FEE 31-Dec-98 0 6.349148 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.771622 360.79959
FEE 31-Dec-95 0 3.825563 0.00000
FEE 31-Dec-96 0 4.240358 0.00000
FEE 31-Dec-97 0 5.263768 0.00000
FEE 31-Dec-98 0 6.430317 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 360.79959 3607.9959
5.000
FORMULA: 1000*(1+T)= 3607.9959 - (0.85 * 1000 * 0.02)
= 3590.995878
T = 29.13%
R = 259.10%
Putnam Growth & Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.517303 221.37104
FEE 31-Dec-95 0 6.059594 0.00000
FEE 31-Dec-96 0 7.248747 0.00000
FEE 31-Dec-97 0 8.829962 0.00000
FEE 31-Dec-98 0 10.014834 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 221.37104 2213.7104
5.000
FORMULA: 1000*(1+T)= 2213.7104 - (0.85 * 1000 * 0.02)
= 2196.710369
T = 17.05%
R = 119.67%
MSDW Mid Cap
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.625185 0.00000
FEE 31-Dec-98 0 8.447050 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 7.417636 134.81384
FEE 29-Dec-90 0 7.856091 0.00000
FEE 29-Dec-91 0 8.156955 0.00000
FEE 29-Dec-92 0 8.284320 0.00000
FEE 29-Dec-93 0 8.356140 0.00000
FEE 29-Dec-94 0 8.515946 0.00000
FEE 29-Dec-95 0 8.834608 0.00000
FEE 29-Dec-96 0 9.112109 0.00000
FEE 29-Dec-97 0 9.414824 0.00000
FEE 29-Dec-98 0 9.720341 0.00000
FEE 29-Dec-99 0 9.998044 0.00000
RESULTING VALUE 29-Dec-99 9.998044 134.81384 1347.8747
10.000
FORMULA: 1000*(1+T)= 1347.8747 - (0.85 * 1000 * 0)
= 1347.874714
T = 3.03%
R = 34.79%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.418665 184.54730
FEE 29-Dec-90 0 3.937705 0.00000
FEE 29-Dec-91 0 5.986942 0.00000
FEE 29-Dec-92 0 7.055588 0.00000
FEE 29-Dec-93 0 8.564340 0.00000
FEE 29-Dec-94 0 8.223931 0.00000
FEE 29-Dec-95 0 9.288643 0.00000
FEE 29-Dec-96 0 10.190787 0.00000
FEE 29-Dec-97 0 11.198444 0.00000
FEE 29-Dec-98 0 10.303369 0.00000
FEE 29-Dec-99 0 9.987366 0.00000
RESULTING VALUE 29-Dec-99 9.987366 184.54730 1843.1415
10.000
FORMULA: 1000*(1+T)= 1843.1415 - (0.85 * 1000 * 0)
= 1843.141462
T = 6.31%
R = 84.31%
NLIC VAII EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.512002 661.37491
FEE 29-Dec-90 0 1.425587 0.00000
FEE 29-Dec-91 0 2.175343 0.00000
FEE 29-Dec-92 0 2.173940 0.00000
FEE 29-Dec-93 0 2.574958 0.00000
FEE 29-Dec-94 0 2.413970 0.00000
FEE 29-Dec-95 0 3.370686 0.00000
FEE 29-Dec-96 0 3.761005 0.00000
FEE 29-Dec-97 0 4.889814 0.00000
FEE 29-Dec-98 0 6.413226 0.00000
FEE 29-Dec-99 0 9.869786 0.00000
RESULTING VALUE 29-Dec-99 9.869786 661.37491 6527.6289
10.000
FORMULA: 1000*(1+T)= 6527.6289 - (0.85 * 1000 * 0)
= 6527.628901
T = 20.64%
R = 552.76%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.700506 175.42303
FEE 29-Dec-90 0 5.944890 0.00000
FEE 29-Dec-91 0 6.911768 0.00000
FEE 29-Dec-92 0 7.392409 0.00000
FEE 29-Dec-93 0 8.259725 0.00000
FEE 29-Dec-94 0 7.532550 0.00000
FEE 29-Dec-95 0 9.178050 0.00000
FEE 29-Dec-96 0 9.219657 0.00000
FEE 29-Dec-97 0 9.969144 0.00000
FEE 29-Dec-98 0 10.612713 0.00000
FEE 29-Dec-99 0 10.023510 0.00000
RESULTING VALUE 29-Dec-99 10.023510 175.42303 1758.3545
10.000
FORMULA: 1000*(1+T)= 1758.3545 - (0.85 * 1000 * 0)
= 1758.354546
T = 5.81%
R = 75.84%
NLIC VAII STRATEGIST
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.532875 283.05556
FEE 29-Dec-90 0 3.507891 0.00000
FEE 29-Dec-91 0 4.335540 0.00000
FEE 29-Dec-92 0 4.664681 0.00000
FEE 29-Dec-93 0 5.083227 0.00000
FEE 29-Dec-94 0 5.162120 0.00000
FEE 29-Dec-95 0 5.543716 0.00000
FEE 29-Dec-96 0 6.333633 0.00000
FEE 29-Dec-97 0 6.896761 0.00000
FEE 29-Dec-98 0 8.701026 0.00000
FEE 29-Dec-99 0 9.954563 0.00000
RESULTING VALUE 29-Dec-99 9.954563 283.05556 2817.6943
10.000
FORMULA: 1000*(1+T)= 2817.6943 - (0.85 * 1000 * 0)
= 2817.694279
T = 10.91%
R = 181.77%
NLIC VAII DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.248294 0.00000
FEE 29-Dec-91 0 4.003141 0.00000
FEE 29-Dec-92 0 4.341161 0.00000
FEE 29-Dec-93 0 4.907710 0.00000
FEE 29-Dec-94 0 4.642610 0.00000
FEE 29-Dec-95 0 6.200354 0.00000
FEE 29-Dec-96 0 7.663510 0.00000
FEE 29-Dec-97 0 9.149705 0.00000
FEE 29-Dec-98 0 10.501147 0.00000
FEE 29-Dec-99 0 9.909608 0.00000
RESULTING VALUE 29-Dec-99 9.909608 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII UTILITIES
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.338916 0.00000
FEE 29-Dec-91 0 3.882167 0.00000
FEE 29-Dec-92 0 4.360876 0.00000
FEE 29-Dec-93 0 4.978025 0.00000
FEE 29-Dec-94 0 4.434398 0.00000
FEE 29-Dec-95 0 5.586280 0.00000
FEE 29-Dec-96 0 6.006653 0.00000
FEE 29-Dec-97 0 7.386581 0.00000
FEE 29-Dec-98 0 9.018875 0.00000
FEE 29-Dec-99 0 9.911385 0.00000
RESULTING VALUE 29-Dec-99 9.911385 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EUROPEAN GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 2.361034 0.00000
FEE 29-Dec-92 0 2.442570 0.00000
FEE 29-Dec-93 0 3.437512 0.00000
FEE 29-Dec-94 0 3.595396 0.00000
FEE 29-Dec-95 0 4.458633 0.00000
FEE 29-Dec-96 0 5.600562 0.00000
FEE 29-Dec-97 0 6.481073 0.00000
FEE 29-Dec-98 0 7.951381 0.00000
FEE 29-Dec-99 0 9.854821 0.00000
RESULTING VALUE 29-Dec-99 9.854821 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 4.117088 0.00000
FEE 29-Dec-92 0 4.206857 0.00000
FEE 29-Dec-93 0 3.856995 0.00000
FEE 29-Dec-94 0 3.731812 0.00000
FEE 29-Dec-95 0 4.860975 0.00000
FEE 29-Dec-96 0 5.339426 0.00000
FEE 29-Dec-97 0 6.255099 0.00000
FEE 29-Dec-98 0 7.470116 0.00000
FEE 29-Dec-99 0 9.899861 0.00000
RESULTING VALUE 29-Dec-99 9.899861 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII PACIFIC GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 10.748249 0.00000
FEE 29-Dec-95 0 11.180436 0.00000
FEE 29-Dec-96 0 11.323150 0.00000
FEE 29-Dec-97 0 6.882027 0.00000
FEE 29-Dec-98 0 6.073932 0.00000
FEE 29-Dec-99 0 9.883071 0.00000
RESULTING VALUE 29-Dec-99 9.883071 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 5.272049 0.00000
FEE 29-Dec-95 0 6.335445 0.00000
FEE 29-Dec-96 0 7.315629 0.00000
FEE 29-Dec-97 0 7.958851 0.00000
FEE 29-Dec-98 0 8.860312 0.00000
FEE 29-Dec-99 0 9.906482 0.00000
RESULTING VALUE 29-Dec-99 9.906482 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL APPRECIATION
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 10.769665 0.00000
FEE 29-Dec-98 0 10.066025 0.00000
FEE 29-Dec-99 0 10.840987 0.00000
RESULTING VALUE 29-Dec-99 10.840987 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 9.270408 0.00000
FEE 29-Dec-98 0 9.449234 0.00000
FEE 29-Dec-99 0 9.849474 0.00000
RESULTING VALUE 29-Dec-99 9.849474 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 6.081757 0.00000
FEE 29-Dec-98 0 7.310425 0.00000
FEE 29-Dec-99 0 9.956694 0.00000
RESULTING VALUE 29-Dec-99 9.956694 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 7.590740 0.00000
FEE 29-Dec-98 0 8.123054 0.00000
FEE 29-Dec-99 0 9.878605 0.00000
RESULTING VALUE 29-Dec-99 9.878605 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 7.161801 0.00000
FEE 29-Dec-97 0 6.983476 0.00000
FEE 29-Dec-98 0 5.202879 0.00000
FEE 29-Dec-99 0 9.885389 0.00000
RESULTING VALUE 29-Dec-99 9.885389 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 2.726609 0.00000
FEE 29-Dec-96 0 3.113509 0.00000
FEE 29-Dec-97 0 3.545306 0.00000
FEE 29-Dec-98 0 4.902994 0.00000
FEE 29-Dec-99 0 9.862555 0.00000
RESULTING VALUE 29-Dec-99 9.862555 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 11.897358 0.00000
FEE 29-Dec-98 0 10.171128 0.00000
FEE 29-Dec-99 0 9.935142 0.00000
RESULTING VALUE 29-Dec-99 9.935142 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.103927 0.00000
FEE 29-Dec-99 0 9.968673 0.00000
RESULTING VALUE 29-Dec-99 9.968673 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.587009 0.00000
FEE 29-Dec-99 0 9.963778 0.00000
RESULTING VALUE 29-Dec-99 9.963778 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 9.884318 0.00000
RESULTING VALUE 29-Dec-99 9.884318 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 10.005611 0.00000
RESULTING VALUE 29-Dec-99 10.005611 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.609051 621.48423
FEE 29-Dec-90 0 1.533271 0.00000
FEE 29-Dec-91 0 2.130802 0.00000
FEE 29-Dec-92 0 2.368234 0.00000
FEE 29-Dec-93 0 2.777336 0.00000
FEE 29-Dec-94 0 2.769413 0.00000
FEE 29-Dec-95 0 3.825961 0.00000
FEE 29-Dec-96 0 4.249062 0.00000
FEE 29-Dec-97 0 5.108049 0.00000
FEE 29-Dec-98 0 6.322783 0.00000
FEE 29-Dec-99 0 9.875312 0.00000
RESULTING VALUE 29-Dec-99 9.875312 621.48423 6137.3507
10.000
FORMULA: 1000*(1+T)= 6137.3507 - (0.85 * 1000 * 0)
= 6137.350653
T = 19.89%
R = 513.74%
Putnam Growth & Income
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.252250 307.47942
FEE 29-Dec-90 0 3.248987 0.00000
FEE 29-Dec-91 0 3.736369 0.00000
FEE 29-Dec-92 0 4.082326 0.00000
FEE 29-Dec-93 0 4.604272 0.00000
FEE 29-Dec-94 0 4.517773 0.00000
FEE 29-Dec-95 0 6.060225 0.00000
FEE 29-Dec-96 0 7.365390 0.00000
FEE 29-Dec-97 0 8.681198 0.00000
FEE 29-Dec-98 0 10.113261 0.00000
FEE 29-Dec-99 0 9.952272 0.00000
RESULTING VALUE 29-Dec-99 9.952272 307.47942 3060.1189
10.000
FORMULA: 1000*(1+T)= 3060.1189 - (0.85 * 1000 * 0)
= 3060.118888
T = 11.83%
R = 206.01%
NLIC VAII MONEY MARKET
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 5.563931 179.72905
1 FEE 09-Mar-85 0 5.769444 0.00000 0.06
2 FEE 09-Mar-86 0 6.098793 0.00000 0.05
3 FEE 09-Mar-87 0 6.351695 0.00000 0.05
4 09-Mar-88 0 6.641037 0.00000 0.04
5 09-Mar-89 0 7.016214 0.00000 0.03
6 09-Mar-90 0 7.502360 0.00000 0.02
7 09-Mar-91 0 7.928454 0.00000 0
8 09-Mar-92 0 8.193034 0.00000 0
9 09-Mar-93 0 8.300285 0.00000 0
10 09-Mar-94 0 8.370483 0.00000 0
11 09-Mar-95 0 8.577030 0.00000 0
12 09-Mar-96 0 8.889021 0.00000 0
13 09-Mar-97 0 9.166406 0.00000 0
14 FEE 09-Mar-98 0 9.474443 0.00000 0
15 FEE 09-Mar-99 0 9.771142 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 179.72905 1797.2905
15.811
FORMULA: 1000*(1+T)= 1797.2905
= 1797.290511
T = 3.78%
R = 79.73%
NLIC VAII HIGH YIELD
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 3.944201 253.53674
1 FEE 09-Mar-85 0 4.398897 0.00000 0.06
2 FEE 09-Mar-86 0 5.554507 0.00000 0.05
3 FEE 09-Mar-87 0 6.521386 0.00000 0.05
4 09-Mar-88 0 6.169265 0.00000 0.04
5 09-Mar-89 0 6.554363 0.00000 0.03
6 09-Mar-90 0 5.103243 0.00000 0.02
7 09-Mar-91 0 4.626255 0.00000 0
8 09-Mar-92 0 6.984723 0.00000 0
9 09-Mar-93 0 7.578308 0.00000 0
10 09-Mar-94 0 8.859192 0.00000 0
11 09-Mar-95 0 8.352480 0.00000 0
12 09-Mar-96 0 9.504487 0.00000 0
13 09-Mar-97 0 10.209348 0.00000 0
14 FEE 09-Mar-98 0 11.390291 0.00000 0
15 FEE 09-Mar-99 0 10.187016 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 253.53674 2535.3674
15.811
FORMULA: 1000*(1+T)= 2535.3674
= 2535.367431
T = 6.06%
R = 153.54%
NLIC VAII EQUITY
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 0.869207 1150.47398
1 FEE 09-Mar-85 0 0.988527 0.00000 0.06
2 FEE 09-Mar-86 0 1.259527 0.00000 0.05
3 FEE 09-Mar-87 0 1.556397 0.00000 0.05
4 09-Mar-88 0 1.330267 0.00000 0.04
5 09-Mar-89 0 1.358496 0.00000 0.03
6 09-Mar-90 0 1.456587 0.00000 0.02
7 09-Mar-91 0 1.696548 0.00000 0
8 09-Mar-92 0 2.072826 0.00000 0
9 09-Mar-93 0 2.312740 0.00000 0
10 09-Mar-94 0 2.690968 0.00000 0
11 09-Mar-95 0 2.490897 0.00000 0
12 09-Mar-96 0 3.378585 0.00000 0
13 09-Mar-97 0 4.008440 0.00000 0
14 FEE 09-Mar-98 0 5.337779 0.00000 0
15 FEE 09-Mar-99 0 6.991709 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 1150.47398 11504.7398
15.811
FORMULA: 1000*(1+T)= 11504.7398
= 11504.73982
T = 16.71%
R = 1050.47%
NLIC VAII QUALITY INCOME
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 5.069110 0.00000 0.06
2 FEE 01-Mar-89 0 5.145717 0.00000 0.05
3 FEE 01-Mar-90 0 5.562936 0.00000 0.05
4 01-Mar-91 0 6.117093 0.00000 0.04
5 01-Mar-92 0 6.888775 0.00000 0.03
6 01-Mar-93 0 7.779857 0.00000 0.02
7 01-Mar-94 0 8.017403 0.00000 0
8 01-Mar-95 0 7.887907 0.00000 0
9 01-Mar-96 0 8.963154 0.00000 0
10 01-Mar-97 0 9.164082 0.00000 0
11 01-Mar-98 0 10.052779 0.00000 0
12 01-Mar-99 0 10.326276 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII STRATEGIST
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 3.153501 0.00000 0.06
2 FEE 01-Mar-89 0 3.279650 0.00000 0.05
3 FEE 01-Mar-90 0 3.522617 0.00000 0.05
4 01-Mar-91 0 3.928326 0.00000 0.04
5 01-Mar-92 0 4.469586 0.00000 0.03
6 01-Mar-93 0 4.775847 0.00000 0.02
7 01-Mar-94 0 5.101981 0.00000 0
8 01-Mar-95 0 5.205067 0.00000 0
9 01-Mar-96 0 5.708225 0.00000 0
10 01-Mar-97 0 6.490627 0.00000 0
11 01-Mar-98 0 7.461225 0.00000 0
12 01-Mar-99 0 8.763376 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.593818 278.25561
1 FEE 01-Mar-91 0 3.681886 0.00000 0.06
2 FEE 01-Mar-92 0 4.110500 0.00000 0.05
3 FEE 01-Mar-93 0 4.492197 0.00000 0.05
4 01-Mar-94 0 4.807839 0.00000 0.04
5 01-Mar-95 0 4.926142 0.00000 0.03
6 01-Mar-96 0 6.569185 0.00000 0.02
7 01-Mar-97 0 7.820466 0.00000 0
8 01-Mar-98 0 9.876850 0.00000 0
9 01-Mar-99 0 10.202416 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 278.25561 2782.5561
9.834
FORMULA: 1000*(1+T)= 2782.5561
= 2782.556083
T = 10.97%
R = 178.26%
NLIC VAII UTILITIES
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.237307 308.89871
1 FEE 01-Mar-91 0 3.437432 0.00000 0.06
2 FEE 01-Mar-92 0 3.797553 0.00000 0.05
3 FEE 01-Mar-93 0 4.683841 0.00000 0.05
4 01-Mar-94 0 4.699490 0.00000 0.04
5 01-Mar-95 0 4.593407 0.00000 0.03
6 01-Mar-96 0 5.617825 0.00000 0.02
7 01-Mar-97 0 6.011264 0.00000 0
8 01-Mar-98 0 7.640277 0.00000 0
9 01-Mar-99 0 8.700554 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 308.89871 3088.9871
9.834
FORMULA: 1000*(1+T)= 3088.9871
= 3088.987113
T = 12.15%
R = 208.90%
NLIC VAII EUROPEAN GROWTH
01-Mar-91
TO NO. YEARS 8.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-91 1000.00 2.406977 415.45882
1 FEE 01-Mar-92 0 2.468413 0.00000 0.06
2 FEE 01-Mar-93 0 2.560472 0.00000 0.05
3 FEE 01-Mar-94 0 3.503860 0.00000 0.05
4 01-Mar-95 0 3.696804 0.00000 0.04
5 01-Mar-96 0 4.680252 0.00000 0.03
6 01-Mar-97 0 5.706379 0.00000 0.02
7 01-Mar-98 0 7.315483 0.00000 0
8 01-Mar-99 0 7.747039 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 415.45882 4154.5882
8.835
FORMULA: 1000*(1+T)= 4154.5882
= 4154.588247
T = 17.49%
R = 315.46%
NLIC VAII CAPITAL GROWTH
01-Mar-91
TO NO. YEARS 8.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-91 1000.00 3.336906 299.67883
1 FEE 01-Mar-92 0 4.031478 0.00000 0.06
2 FEE 01-Mar-93 0 3.912970 0.00000 0.05
3 FEE 01-Mar-94 0 3.861255 0.00000 0.05
4 01-Mar-95 0 3.974889 0.00000 0.04
5 01-Mar-96 0 5.122514 0.00000 0.03
6 01-Mar-97 0 5.469011 0.00000 0.02
7 01-Mar-98 0 7.030771 0.00000 0
8 01-Mar-99 0 7.581468 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 299.67883 2996.7883
8.835
FORMULA: 1000*(1+T)= 2996.7883
= 2996.788308
T = 13.23%
R = 199.68%
NLIC VAII PACIFIC GROWTH
22-Feb-94
TO NO. YEARS 5.854
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 22-Feb-94 1000.00 11.731280 85.24219
1 FEE 22-Feb-95 0 10.070550 0.00000 0.06
2 FEE 22-Feb-96 0 12.080494 0.00000 0.05
3 FEE 22-Feb-97 0 11.507981 0.00000 0.05
4 22-Feb-98 0 6.999963 0.00000 0.04
5 22-Feb-99 0 5.902614 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 85.24219 852.4219
5.854
FORMULA: 1000*(1+T)= 852.4219
= 835.4219105
T = -3.03%
R = -16.46%
NLIC VAII GLOBAL DIVIDEND GROWTH
24-Feb-94
TO NO. YEARS 5.848
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Feb-94 1000.00 5.357112 186.66774
1 FEE 24-Feb-95 0 5.312655 0.00000 0.06
2 FEE 24-Feb-96 0 6.544721 0.00000 0.05
3 FEE 24-Feb-97 0 7.386510 0.00000 0.05
4 24-Feb-98 0 8.384093 0.00000 0.04
5 24-Feb-99 0 8.667869 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 186.66774 1866.6774
5.848
FORMULA: 1000*(1+T)= 1866.6774
= 1849.677442
T = 11.09%
R = 84.97%
NLIC VAII CAPITAL APPRECIATION
21-Jan-97
TO NO. YEARS 2.940
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 21-Jan-97 1000.00 10.000000 100.00000
1 FEE 21-Jan-98 0 10.937002 0.00000 0.06
2 FEE 21-Jan-99 0 10.535104 0.00000 0.05
3 FEE 31-Dec-99 0 10.840987 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.840987 100.00000 1084.0987
2.940
FORMULA: 1000*(1+T)= 1084.0987
= 1041.5987
T = 1.40%
R = 4.16%
NLIC VAII INCOME BUILDER
21-Jan-97
TO NO. YEARS 2.940
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 21-Jan-97 1000.00 7.807821 128.07671
1 FEE 21-Jan-98 0 9.364517 0.00000 0.06
2 FEE 21-Jan-99 0 9.595748 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 128.07671 1280.7671
2.940
FORMULA: 1000*(1+T)= 1280.7671
= 1238.267139
T = 7.54%
R = 23.83%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.775224 209.41427
1 FEE 02-Jan-98 0 6.222507 0.00000 0.06
2 FEE 02-Jan-99 0 7.270612 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 209.41427 2094.1427
2.992
FORMULA: 1000*(1+T)= 2094.1427
= 2051.642677
T = 27.14%
R = 105.16%
NLIC VAII INTERNATIONAL MAGNUM
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.245944 138.00825
1 FEE 02-Jan-98 0 7.662745 0.00000 0.06
2 FEE 02-Jan-99 0 8.252238 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 138.00825 1380.0825
2.992
FORMULA: 1000*(1+T)= 1380.0825
= 1337.582524
T = 10.21%
R = 33.76%
NLIC VAII EMERGING MARKETS
01-Oct-96
TO NO. YEARS 3.247
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Oct-96 1000.00 7.370277 135.68011
1 FEE 01-Oct-97 0 8.740300 0.00000 0.06
2 FEE 01-Oct-98 0 4.427973 0.00000 0.05
3 FEE 01-Oct-99 0 6.714211 0.00000 0.05
4 31-Dec-99 0 10.000000 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 135.68011 1356.8011
3.247
FORMULA: 1000*(1+T)= 1356.8011
= 1322.801073
T = 9.00%
R = 32.28%
NLIC VAII EMERGING GROWTH
03-Jul-95
TO NO. YEARS 4.496
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-Jul-95 1000.00 2.349648 425.59569
1 FEE 03-Jul-96 0 3.166909 0.00000 0.06
2 FEE 03-Jul-97 0 3.444011 0.00000 0.05
3 FEE 03-Jul-98 0 4.489754 0.00000 0.05
4 03-Jul-99 0 6.173760 0.00000 0.04
5 31-Dec-99 0 10.000000 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 425.59569 4255.9569
4.496
FORMULA: 1000*(1+T)= 4255.9569
= 4230.456911
T = 37.83%
R = 323.05%
NLIC VAII REAL ESTATE
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 10.411587 96.04684
1 FEE 04-Mar-98 0 11.805378 0.00000 0.06
2 FEE 04-Mar-99 0 9.948398 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 96.04684 960.4684
2.825
FORMULA: 1000*(1+T)= 960.4684
= 917.9683721
T = -2.98%
R = -8.20%
NLIC VAII COMPETITIVE EDGE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 8.330115 120.04636
1 FEE 18-May-99 0 8.390156 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 120.04636 1200.4636
1.621
FORMULA: 1000*(1+T)= 1200.4636
= 1157.963564
T = 9.47%
R = 15.80%
NLIC VAII S&P 500 INDEX
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 7.672630 130.33341
1 FEE 18-May-99 0 9.189260 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 130.33341 1303.3341
1.621
FORMULA: 1000*(1+T)= 1303.3341
= 1260.834088
T = 15.37%
R = 26.08%
NLIC VAII AGGRESSIVE EQUITY
03-May-99
TO NO. YEARS 0.663
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-May-99 1000.00 6.930032 144.29947
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 144.29947 1442.9947
0.663
FORMULA: 1000*(1+T)= 1442.9947
= 1391.994724
T = 64.74%
R = 39.20%
NLIC VAII SHORT TERM BOND
03-May-99
TO NO. YEARS 0.663
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-May-99 1000.00 9.968303 100.31798
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 100.31798 1003.1798
0.663
FORMULA: 1000*(1+T)= 1003.1798
= 952.17977
T = -7.13%
R = -4.78%
Alliance Premier Growth
14-Jul-99
TO NO. YEARS 0.465
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 14-Jul-99 1000.00 8.907676 112.26273
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.26273 1122.6273
0.465
FORMULA: 1000*(1+T)= 1122.6273
= 1071.627322
T = 16.02%
R = 7.16%
Alliance Growth
15-Sep-94
TO NO. YEARS 5.292
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 15-Sep-94 1000.00 2.673222 374.08047
1 FEE 15-Sep-95 0 3.583318 0.00000 0.06
2 FEE 15-Sep-96 0 4.152099 0.00000 0.05
3 FEE 15-Sep-97 0 5.637296 0.00000 0.05
4 15-Sep-98 0 5.914030 0.00000 0.04
5 15-Sep-99 0 8.156585 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 374.08047 3740.8047
5.292
FORMULA: 1000*(1+T)= 3740.8047
= 3723.80469
T = 28.20%
R = 272.38%
Alliance Growth and Income
14-Jan-91
TO NO. YEARS 8.961
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 14-Jan-91 1000.00 3.242920 308.36407
1 FEE 14-Jan-92 0 3.297366 0.00000 0.06
2 FEE 14-Jan-93 0 3.494010 0.00000 0.05
3 FEE 14-Jan-94 0 3.831544 0.00000 0.05
4 14-Jan-95 0 3.748071 0.00000 0.04
5 14-Jan-96 0 4.844786 0.00000 0.03
6 14-Jan-97 0 6.231123 0.00000 0.02
7 14-Jan-98 0 7.517136 0.00000 0
8 14-Jan-99 0 8.989092 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 308.36407 3083.6407
8.961
FORMULA: 1000*(1+T)= 3083.6407
= 3083.640711
T = 13.39%
R = 208.36%
Aim Cap App
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.993285 334.08108
1 FEE 05-May-94 0 3.522945 0.00000 0.06
2 FEE 05-May-95 0 3.920248 0.00000 0.05
3 FEE 05-May-96 0 5.294530 0.00000 0.05
4 05-May-97 0 5.540006 0.00000 0.04
5 05-May-98 0 6.979470 0.00000 0.03
6 05-May-99 0 7.209846 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 334.08108 3340.8108
6.656
FORMULA: 1000*(1+T)= 3340.8108
= 3340.810787
T = 19.87%
R = 234.08%
Aim Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.018290 331.31345
1 FEE 05-May-94 0 3.165182 0.00000 0.06
2 FEE 05-May-95 0 3.531458 0.00000 0.05
3 FEE 05-May-96 0 4.451028 0.00000 0.05
4 05-May-97 0 5.230758 0.00000 0.04
5 05-May-98 0 7.029703 0.00000 0.03
6 05-May-99 0 8.009043 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 331.31345 3313.1345
6.656
FORMULA: 1000*(1+T)= 3313.1345
= 3313.134484
T = 19.72%
R = 231.31%
Aim Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.934557 340.76693
1 FEE 05-May-94 0 3.402839 0.00000 0.06
2 FEE 05-May-95 0 3.839960 0.00000 0.05
3 FEE 05-May-96 0 4.617665 0.00000 0.05
4 05-May-97 0 5.545332 0.00000 0.04
5 05-May-98 0 7.119092 0.00000 0.03
6 05-May-99 0 8.502936 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 340.76693 3407.6693
6.656
FORMULA: 1000*(1+T)= 3407.6693
= 3407.669336
T = 20.23%
R = 240.77%
Putnam International Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.780620 209.17790
1 FEE 02-Jan-98 0 5.475644 0.00000 0.06
2 FEE 02-Jan-99 0 6.349148 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 209.17790 2091.7790
2.992
FORMULA: 1000*(1+T)= 2091.7790
= 2049.279045
T = 27.09%
R = 104.93%
Putnam Voyager
01-Feb-88
TO NO. YEARS 11.912
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Feb-88 1000.00 1.223615 817.25023
1 FEE 01-Feb-89 0 1.313430 0.00000 0.06
2 FEE 01-Feb-90 0 1.428274 0.00000 0.05
3 FEE 01-Feb-91 0 1.647078 0.00000 0.05
4 01-Feb-92 0 2.218231 0.00000 0.04
5 01-Feb-93 0 2.417693 0.00000 0.03
6 01-Feb-94 0 2.850891 0.00000 0.02
7 01-Feb-95 0 2.794427 0.00000 0
8 01-Feb-96 0 3.888083 0.00000 0
9 01-Feb-97 0 4.423532 0.00000 0
10 01-Feb-98 0 5.244530 0.00000 0
11 01-Feb-99 0 6.717085 0.00000 0
12 31-Dec-99 0 10.000000 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 817.25023 8172.5023
11.912
FORMULA: 1000*(1+T)= 8172.5023
= 8172.502256
T = 19.29%
R = 717.25%
Putnam Growth & Income
01-Feb-88
TO NO. YEARS 11.912
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Feb-88 1000.00 2.316609 431.66540
1 FEE 01-Feb-89 0 2.873104 0.00000 0.06
2 FEE 01-Feb-90 0 3.120598 0.00000 0.05
3 FEE 01-Feb-91 0 3.370488 0.00000 0.05
4 01-Feb-92 0 3.811259 0.00000 0.04
5 01-Feb-93 0 4.141794 0.00000 0.03
6 01-Feb-94 0 4.709461 0.00000 0.02
7 01-Feb-95 0 4.622262 0.00000 0
8 01-Feb-96 0 6.207338 0.00000 0
9 01-Feb-97 0 7.543523 0.00000 0
10 01-Feb-98 0 8.846880 0.00000 0
11 01-Feb-99 0 10.066891 0.00000 0
12 31-Dec-99 0 10.000000 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 431.66540 4316.6540
11.912
FORMULA: 1000*(1+T)= 4316.6540
= 4316.654002
T = 13.06%
R = 331.67%
MSDW Mid Cap
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.510986 181.45574
1 FEE 02-Jan-98 0 7.590064 0.00000 0.06
2 FEE 02-Jan-99 0 8.406858 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 181.45574 1814.5574
2.992
FORMULA: 1000*(1+T)= 1814.5574
= 1772.057377
T = 21.07%
R = 77.21%
<PAGE>
STANDARDIZED - (WITH THE ENHANCED EARNINGS DEATH BENEFIT OPTION AND THE
PERFORMANCE DEATH BENEFIT OPTION)
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.322375 136.56771
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.56771 1365.6771
1.000
FORMULA: 1000*(1+T)= 1365.6771 - (0.85 * 1000 * 0.05)
= 1323.1771
T = 32.32%
R = 32.32%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.156256 122.60527
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.60527 1226.0527
1.000
FORMULA: 1000*(1+T)= 1226.0527 - (0.85 * 1000 * 0.05)
= 1183.5527
T = 18.36%
R = 18.36%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.244317 190.68260
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.68260 1906.8260
1.000
FORMULA: 1000*(1+T)= 1906.8260 - (0.85 * 1000 * 0.05)
= 1864.3260
T = 86.43%
R = 86.43%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.995969 200.16137
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.16137 2001.6137
1.000
FORMULA: 1000*(1+T)= 2001.6137 - (0.85 * 1000 * 0.05)
= 1959.1137
T = 95.91%
R = 95.91%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.363749 96.49018
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.49018 964.9018
1.000
FORMULA: 1000*(1+T)= 964.9018 - (0.85 * 1000 * 0.05)
= 922.4018
T = -7.76%
R = -7.76%
NLIC VAII EQUITY GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.289373 137.18602
1 FEE 16-Mar-99 0 7.856053 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.18602 1371.8602
1.793
FORMULA: 1000*(1+T)= 1371.8602
= 1329.360165
T = 17.21%
R = 32.94%
NLIC VAII INTERNATIONAL MAGNUM
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 8.410631 118.89715
1 FEE 16-Mar-99 0 8.179165 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 118.89715 1188.9715
1.793
FORMULA: 1000*(1+T)= 1188.9715
= 1146.471487
T = 7.92%
R = 14.65%
NLIC VAII EMERGING MARKETS
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.466102 133.93870
1 FEE 16-Mar-99 0 5.765411 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.93870 1339.3870
1.793
FORMULA: 1000*(1+T)= 1339.3870
= 1296.886984
T = 15.60%
R = 29.69%
NLIC VAII EMERGING GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 4.188758 238.73426
1 FEE 16-Mar-99 0 5.524481 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 238.73426 2387.3426
1.793
FORMULA: 1000*(1+T)= 2387.3426
= 2344.842581
T = 60.84%
R = 134.48%
NLIC VAII REAL ESTATE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 11.764159 85.00395
1 FEE 18-May-99 0 11.121666 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 85.00395 850.0395
1.621
FORMULA: 1000*(1+T)= 850.0395
= 807.5394814
T = -12.36%
R = -19.25%
<PAGE>
Non-Standardized Calculations
Dates:
Current: 12/31/99
3 Months Ago: 09/30/99
End of Last Year: 12/31/98
One Yr Ago: 12/31/98
Two Yrs Ago: 12/31/97
Three Yrs Ago: 12/31/96
Five Yrs Ago: 12/31/94
Ten Yrs Ago: 12/31/89
Inception Inception Ten Yr Five Yr Three Two One Yr YTD 3 Months Today's
Fund Date AUV AUV AUV AUV AUV AUV AUV AUV AUV
Emerging Growth 03/16/98 4.18875786 N/A N/A N/A N/A 4.995968945 4.995968945 6.260247658 10
Emerging Markets 03/16/98 7.466102118 N/A N/A N/A N/A 5.244316908 5.244316908 6.72585024 10
Equity Growth 03/16/98 7.289372676 N/A N/A N/A N/A 7.322374881 7.322374881 8.25218783 10
International Magnum 03/16/98 8.410630622 N/A N/A N/A N/A 8.156256129 8.156256129 8.966068631 10
Real Estate 05/18/98 11.76415945 N/A N/A N/A N/A 10.36374895 10.36374895 10.15390526 10
Non-Standardized Performance
Inception Ten Years Five Years Three Years Two Years One Year YTD Three Months
Total Average Total Average Total Average Total Average Total Average
138.73% 62.40% N/A N/A N/A N/A N/A N/A N/A N/A 100.16% 100.16% 59.74%
33.94% 17.68% N/A N/A N/A N/A N/A N/A N/A N/A 90.68% 90.68% 48.68%
37.19% 19.27% N/A N/A N/A N/A N/A N/A N/A N/A 36.57% 36.57% 21.18%
18.90% 10.13% N/A N/A N/A N/A N/A N/A N/A N/A 22.61% 22.61% 11.53%
-15.00% -9.53% N/A N/A N/A N/A N/A N/A N/A N/A -3.51% -3.51% -1.52%
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. YEARS 1.000
TO
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.745211 102.61450
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 102.61450 1026.1450
1.000
FORMULA: 1000*(1+T)= 1026.1450 - (0.85 * 1000 * 0.05)
= 983.6450
T = -1.64%
R = -1.64%
NLIC VAII HIGH YIELD
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.349003 96.62766
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.62766 966.2766
1.000
FORMULA: 1000*(1+T)= 966.2766 - (0.85 * 1000 * 0.05)
= 923.7766
T = -7.62%
R = -7.62%
NLIC VAII EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.438437 155.31719
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.31719 1553.1719
1.000
FORMULA: 1000*(1+T)= 1553.1719 - (0.85 * 1000 * 0.05)
= 1510.6719
T = 51.07%
R = 51.07%
NLIC VAII QUALITY INCOME
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.671838 93.70457
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.70457 937.0457
1.000
FORMULA: 1000*(1+T)= 937.0457 - (0.85 * 1000 * 0.05)
= 894.5457
T = -10.55%
R = -10.55%
NLIC VAII STRATEGIST
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.701314 114.92517
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 114.92517 1149.2517
1.000
FORMULA: 1000*(1+T)= 1149.2517 - (0.85 * 1000 * 0.05)
= 1106.7517
T = 10.68%
R = 10.68%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.461347 95.58998
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 95.58998 955.8998
1.000
FORMULA: 1000*(1+T)= 955.8998 - (0.85 * 1000 * 0.05)
= 913.3998
T = -8.66%
R = -8.66%
NLIC VAII UTILITIES
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.059207 110.38493
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 110.38493 1103.8493
1.000
FORMULA: 1000*(1+T)= 1103.8493 - (0.85 * 1000 * 0.05)
= 1061.3493
T = 6.13%
R = 6.13%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.908546 126.44550
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 126.44550 1264.4550
1.000
FORMULA: 1000*(1+T)= 1264.4550 - (0.85 * 1000 * 0.05)
= 1221.9550
T = 22.20%
R = 22.20%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.660360 130.54216
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 130.54216 1305.4216
1.000
FORMULA: 1000*(1+T)= 1305.4216 - (0.85 * 1000 * 0.05)
= 1262.9216
T = 26.29%
R = 26.29%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.147567 162.66598
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 162.66598 1626.6598
1.000
FORMULA: 1000*(1+T)= 1626.6598 - (0.85 * 1000 * 0.05)
= 1584.1598
T = 58.42%
R = 58.42%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.906124 112.28230
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 112.28230 1122.8230
1.000
FORMULA: 1000*(1+T)= 1122.8230 - (0.85 * 1000 * 0.05)
= 1080.3230
T = 8.03%
R = 8.03%
NLIC VAII CAPITAL APPRECIATION
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.123843 98.77672
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 98.77672 1070.8371
1.000
FORMULA: 1000*(1+T)= 1070.8371 - (0.85 * 1000 * 0.05)
= 1028.3371
T = 2.83%
R = 2.83%
NLIC VAII INCOME BUILDER
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.537482 104.84948
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 104.84948 1048.4948
1.000
FORMULA: 1000*(1+T)= 1048.4948 - (0.85 * 1000 * 0.05)
= 1005.9948
T = 0.60%
R = 0.60%
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.322375 136.56771
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.56771 1365.6771
1.000
FORMULA: 1000*(1+T)= 1365.6771 - (0.85 * 1000 * 0.05)
= 1323.1771
T = 32.32%
R = 32.32%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.156256 122.60527
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.60527 1226.0527
1.000
FORMULA: 1000*(1+T)= 1226.0527 - (0.85 * 1000 * 0.05)
= 1183.5527
T = 18.36%
R = 18.36%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.244317 190.68260
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.68260 1906.8260
1.000
FORMULA: 1000*(1+T)= 1906.8260 - (0.85 * 1000 * 0.05)
= 1864.3260
T = 86.43%
R = 86.43%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.995969 200.16137
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.16137 2001.6137
1.000
FORMULA: 1000*(1+T)= 2001.6137 - (0.85 * 1000 * 0.05)
= 1959.1137
T = 95.91%
R = 95.91%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.363749 96.49018
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.49018 964.9018
1.000
FORMULA: 1000*(1+T)= 964.9018 - (0.85 * 1000 * 0.05)
= 922.4018
T = -7.76%
R = -7.76%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.097791 123.49046
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 123.49046 1234.9046
1.000
FORMULA: 1000*(1+T)= 1234.9046 - (0.85 * 1000 * 0.05)
= 1192.4046
T = 19.24%
R = 19.24%
NLIC VAII S&P 500 INDEX
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.530717 117.22344
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.22344 1172.2344
1.000
FORMULA: 1000*(1+T)= 1172.2344 - (0.85 * 1000 * 0.05)
= 1129.7344
T = 12.97%
R = 12.97%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.582467 131.88319
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 131.88319 1318.8319
1.000
FORMULA: 1000*(1+T)= 1318.8319 - (0.85 * 1000 * 0.05)
= 1276.3319
T = 27.63%
R = 27.63%
Alliance Growth and Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.155429 109.22481
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 109.22481 1092.2481
1.000
FORMULA: 1000*(1+T)= 1092.2481 - (0.85 * 1000 * 0.05)
= 1049.7481
T = 4.97%
R = 4.97%
Aim Cap App
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.043204 141.98084
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 141.98084 1419.8084
1.000
FORMULA: 1000*(1+T)= 1419.8084 - (0.85 * 1000 * 0.05)
= 1377.3084
T = 37.73%
R = 37.73%
Aim Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.531687 132.77238
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 132.77238 1327.7238
1.000
FORMULA: 1000*(1+T)= 1327.7238 - (0.85 * 1000 * 0.05)
= 1285.2238
T = 28.52%
R = 28.52%
Aim Value
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.841189 127.53168
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 127.53168 1275.3168
1.000
FORMULA: 1000*(1+T)= 1275.3168 - (0.85 * 1000 * 0.05)
= 1232.8168
T = 23.28%
R = 23.28%
Putnam International Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.364334 157.12563
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 157.12563 1571.2563
1.000
FORMULA: 1000*(1+T)= 1571.2563 - (0.85 * 1000 * 0.05)
= 1528.7563
T = 52.88%
R = 52.88%
Putnam Voyager
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.445722 155.14165
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.14165 1551.4165
1.000
FORMULA: 1000*(1+T)= 1551.4165 - (0.85 * 1000 * 0.05)
= 1508.9165
T = 50.89%
R = 50.89%
Putnam Growth & Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.038915 99.61236
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 99.61236 996.1236
1.000
FORMULA: 1000*(1+T)= 996.1236 - (0.85 * 1000 * 0.05)
= 953.6236
T = -4.64%
R = -4.64%
MSDW Mid Cap
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.467342 118.10081
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 118.10081 1181.0081
1.000
FORMULA: 1000*(1+T)= 1181.0081 - (0.85 * 1000 * 0.05)
= 1138.5081
T = 13.85%
R = 13.85%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.624085 115.95433
FEE 31-Dec-95 0 8.919932 0.00000
FEE 31-Dec-96 0 9.181080 0.00000
FEE 31-Dec-97 0 9.461883 0.00000
FEE 31-Dec-98 0 9.745211 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 115.95433 1159.5433
5.000
FORMULA: 1000*(1+T)= 1159.5433 - (0.85 * 1000 * 0.02)
= 1142.543288
T = 2.70%
R = 14.25%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.348855 119.77690
FEE 31-Dec-95 0 9.378353 0.00000
FEE 31-Dec-96 0 10.283623 0.00000
FEE 31-Dec-97 0 11.266035 0.00000
FEE 31-Dec-98 0 10.349003 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 119.77690 1197.7690
5.000
FORMULA: 1000*(1+T)= 1197.7690 - (0.85 * 1000 * 0.02)
= 1180.768971
T = 3.38%
R = 18.08%
NLIC VAII EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.411315 414.71152
FEE 31-Dec-95 0 3.403211 0.00000
FEE 31-Dec-96 0 3.744395 0.00000
FEE 31-Dec-97 0 5.039713 0.00000
FEE 31-Dec-98 0 6.438437 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 414.71152 4147.1152
5.000
FORMULA: 1000*(1+T)= 4147.1152 - (0.85 * 1000 * 0.02)
= 4130.115185
T = 32.80%
R = 313.01%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 7.590145 131.74979
FEE 31-Dec-95 0 9.266704 0.00000
FEE 31-Dec-96 0 9.215297 0.00000
FEE 31-Dec-97 0 10.027726 0.00000
FEE 31-Dec-98 0 10.671838 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 131.74979 1317.4979
5.000
FORMULA: 1000*(1+T)= 1317.4979 - (0.85 * 1000 * 0.02)
= 1300.497933
T = 5.40%
R = 30.05%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.228648 191.25402
FEE 31-Dec-95 0 5.597230 0.00000
FEE 31-Dec-96 0 6.304326 0.00000
FEE 31-Dec-97 0 7.020993 0.00000
FEE 31-Dec-98 0 8.701314 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 191.25402 1912.5402
5.000
FORMULA: 1000*(1+T)= 1912.5402 - (0.85 * 1000 * 0.02)
= 1895.540186
T = 13.64%
R = 89.55%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.712610 212.19664
FEE 31-Dec-95 0 6.260210 0.00000
FEE 31-Dec-96 0 7.599025 0.00000
FEE 31-Dec-97 0 9.347630 0.00000
FEE 31-Dec-98 0 10.461347 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 212.19664 2121.9664
5.000
FORMULA: 1000*(1+T)= 2121.9664 - (0.85 * 1000 * 0.02)
= 2104.966396
T = 16.05%
R = 110.50%
NLIC VAII UTILITIES
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.479972 223.21570
FEE 31-Dec-95 0 5.640209 0.00000
FEE 31-Dec-96 0 6.002364 0.00000
FEE 31-Dec-97 0 7.474430 0.00000
FEE 31-Dec-98 0 9.059207 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 223.21570 2232.1570
5.000
FORMULA: 1000*(1+T)= 2232.1570 - (0.85 * 1000 * 0.02)
= 2215.156975
T = 17.24%
R = 121.52%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.655885 273.53159
FEE 31-Dec-95 0 4.501653 0.00000
FEE 31-Dec-96 0 5.730216 0.00000
FEE 31-Dec-97 0 6.514317 0.00000
FEE 31-Dec-98 0 7.908546 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 273.53159 2735.3159
5.000
FORMULA: 1000*(1+T)= 2735.3159 - (0.85 * 1000 * 0.02)
= 2718.315932
T = 22.14%
R = 171.83%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.751635 266.55043
FEE 31-Dec-95 0 4.907893 0.00000
FEE 31-Dec-96 0 5.360785 0.00000
FEE 31-Dec-97 0 6.538349 0.00000
FEE 31-Dec-98 0 7.660360 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 266.55043 2665.5043
5.000
FORMULA: 1000*(1+T)= 2665.5043 - (0.85 * 1000 * 0.02)
= 2648.504283
T = 21.51%
R = 164.85%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 10.794556 92.63929
FEE 31-Dec-95 0 11.288485 0.00000
FEE 31-Dec-96 0 11.483419 0.00000
FEE 31-Dec-97 0 7.006014 0.00000
FEE 31-Dec-98 0 6.147567 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 92.63929 926.3929
5.000
FORMULA: 1000*(1+T)= 926.3929 - (0.85 * 1000 * 0.02)
= 909.392917
T = -1.88%
R = -9.06%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.342601 187.17476
FEE 31-Dec-95 0 6.396613 0.00000
FEE 31-Dec-96 0 7.365255 0.00000
FEE 31-Dec-97 0 8.081349 0.00000
FEE 31-Dec-98 0 8.906124 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 187.17476 1871.7476
5.000
FORMULA: 1000*(1+T)= 1871.7476 - (0.85 * 1000 * 0.02)
= 1854.747596
T = 13.15%
R = 85.47%
NLIC VAII CAPITAL APPRECIATION
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 11.163269 0.00000
FEE 31-Dec-98 0 10.123843 0.00000
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 9.435625 0.00000
FEE 31-Dec-98 0 9.537482 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 6.267807 0.00000
FEE 31-Dec-98 0 7.322375 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.670803 0.00000
FEE 31-Dec-98 0 8.156256 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 7.226843 0.00000
FEE 31-Dec-97 0 7.099148 0.00000
FEE 31-Dec-98 0 5.244317 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 2.752920 0.00000
FEE 31-Dec-96 0 3.144550 0.00000
FEE 31-Dec-97 0 3.708513 0.00000
FEE 31-Dec-98 0 4.995969 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 12.155849 0.00000
FEE 31-Dec-98 0 10.363749 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.097791 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.530717 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.833534 352.91613
FEE 31-Dec-95 0 3.753962 0.00000
FEE 31-Dec-96 0 4.723648 0.00000
FEE 31-Dec-97 0 6.014734 0.00000
FEE 31-Dec-98 0 7.582467 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 352.91613 3529.1613
5.000
FORMULA: 1000*(1+T)= 3529.1613 - (0.85 * 1000 * 0.02)
= 3512.161254
T = 28.56%
R = 251.22%
Alliance Growth and Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.793108 263.63607
FEE 31-Dec-95 0 5.045142 0.00000
FEE 31-Dec-96 0 6.131041 0.00000
FEE 31-Dec-97 0 7.733274 0.00000
FEE 31-Dec-98 0 9.155429 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 263.63607 2636.3607
5.000
FORMULA: 1000*(1+T)= 2636.3607 - (0.85 * 1000 * 0.02)
= 2619.36074
T = 21.24%
R = 161.94%
Aim Cap App
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.613394 276.74815
FEE 31-Dec-95 0 4.813782 0.00000
FEE 31-Dec-96 0 5.556365 0.00000
FEE 31-Dec-97 0 6.191787 0.00000
FEE 31-Dec-98 0 7.043204 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 276.74815 2767.4815
5.000
FORMULA: 1000*(1+T)= 2767.4815 - (0.85 * 1000 * 0.02)
= 2750.481497
T = 22.43%
R = 175.05%
Aim Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.210519 311.47612
FEE 31-Dec-95 0 4.248141 0.00000
FEE 31-Dec-96 0 4.924696 0.00000
FEE 31-Dec-97 0 6.134038 0.00000
FEE 31-Dec-98 0 7.531687 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 311.47612 3114.7612
5.000
FORMULA: 1000*(1+T)= 3114.7612 - (0.85 * 1000 * 0.02)
= 3097.761172
T = 25.37%
R = 209.78%
Aim Value
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.455111 289.42629
FEE 31-Dec-95 0 4.621999 0.00000
FEE 31-Dec-96 0 5.218945 0.00000
FEE 31-Dec-97 0 6.337614 0.00000
FEE 31-Dec-98 0 7.841189 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 289.42629 2894.2629
5.000
FORMULA: 1000*(1+T)= 2894.2629 - (0.85 * 1000 * 0.02)
= 2877.262898
T = 23.54%
R = 187.73%
Putnam International Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 5.473753 0.00000
FEE 31-Dec-98 0 6.364334 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.805049 356.49997
FEE 31-Dec-95 0 3.862430 0.00000
FEE 31-Dec-96 0 4.270957 0.00000
FEE 31-Dec-97 0 5.289048 0.00000
FEE 31-Dec-98 0 6.445722 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 356.49997 3564.9997
5.000
FORMULA: 1000*(1+T)= 3564.9997 - (0.85 * 1000 * 0.02)
= 3547.99974
T = 28.82%
R = 254.80%
Putnam Growth & Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.571812 218.73165
FEE 31-Dec-95 0 6.118029 0.00000
FEE 31-Dec-96 0 7.301115 0.00000
FEE 31-Dec-97 0 8.872453 0.00000
FEE 31-Dec-98 0 10.038915 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 218.73165 2187.3165
5.000
FORMULA: 1000*(1+T)= 2187.3165 - (0.85 * 1000 * 0.02)
= 2170.316489
T = 16.76%
R = 117.03%
MSDW Mid Cap
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.661866 0.00000
FEE 31-Dec-98 0 8.467342 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 7.597884 131.61558
FEE 29-Dec-90 0 8.027763 0.00000
FEE 29-Dec-91 0 8.315280 0.00000
FEE 29-Dec-92 0 8.424764 0.00000
FEE 29-Dec-93 0 8.477431 0.00000
FEE 29-Dec-94 0 8.618849 0.00000
FEE 29-Dec-95 0 8.919932 0.00000
FEE 29-Dec-96 0 9.178183 0.00000
FEE 29-Dec-97 0 9.460242 0.00000
FEE 29-Dec-98 0 9.743823 0.00000
FEE 29-Dec-99 0 9.998175 0.00000
RESULTING VALUE 29-Dec-99 9.998175 131.61558 1315.9157
10.000
FORMULA: 1000*(1+T)= 1315.9157 - (0.85 * 1000 * 0)
= 1315.915696
T = 2.78%
R = 31.59%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.550322 180.16973
FEE 29-Dec-90 0 4.023727 0.00000
FEE 29-Dec-91 0 6.103127 0.00000
FEE 29-Dec-92 0 7.175187 0.00000
FEE 29-Dec-93 0 8.688653 0.00000
FEE 29-Dec-94 0 8.323302 0.00000
FEE 29-Dec-95 0 9.378353 0.00000
FEE 29-Dec-96 0 10.264688 0.00000
FEE 29-Dec-97 0 11.252477 0.00000
FEE 29-Dec-98 0 10.328260 0.00000
FEE 29-Dec-99 0 9.987497 0.00000
RESULTING VALUE 29-Dec-99 9.987497 180.16973 1799.4447
10.000
FORMULA: 1000*(1+T)= 1799.4447 - (0.85 * 1000 * 0)
= 1799.444692
T = 6.05%
R = 79.94%
NLIC VAII EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.548728 645.69114
FEE 29-Dec-90 0 1.456723 0.00000
FEE 29-Dec-91 0 2.217548 0.00000
FEE 29-Dec-92 0 2.210775 0.00000
FEE 29-Dec-93 0 2.612309 0.00000
FEE 29-Dec-94 0 2.443114 0.00000
FEE 29-Dec-95 0 3.403211 0.00000
FEE 29-Dec-96 0 3.788241 0.00000
FEE 29-Dec-97 0 4.913366 0.00000
FEE 29-Dec-98 0 6.428685 0.00000
FEE 29-Dec-99 0 9.869915 0.00000
RESULTING VALUE 29-Dec-99 9.869915 645.69114 6372.9167
10.000
FORMULA: 1000*(1+T)= 6372.9167 - (0.85 * 1000 * 0)
= 6372.916733
T = 20.35%
R = 537.29%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.839028 171.26139
FEE 29-Dec-90 0 6.074792 0.00000
FEE 29-Dec-91 0 7.045924 0.00000
FEE 29-Dec-92 0 7.517733 0.00000
FEE 29-Dec-93 0 8.379628 0.00000
FEE 29-Dec-94 0 7.623569 0.00000
FEE 29-Dec-95 0 9.266704 0.00000
FEE 29-Dec-96 0 9.286518 0.00000
FEE 29-Dec-97 0 10.017246 0.00000
FEE 29-Dec-98 0 10.638364 0.00000
FEE 29-Dec-99 0 10.023642 0.00000
RESULTING VALUE 29-Dec-99 10.023642 171.26139 1716.6630
10.000
FORMULA: 1000*(1+T)= 1716.6630 - (0.85 * 1000 * 0)
= 1716.662958
T = 5.55%
R = 71.67%
NLIC VAII STRATEGIST
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.618698 276.34246
FEE 29-Dec-90 0 3.584520 0.00000
FEE 29-Dec-91 0 4.419664 0.00000
FEE 29-Dec-92 0 4.743734 0.00000
FEE 29-Dec-93 0 5.156985 0.00000
FEE 29-Dec-94 0 5.224471 0.00000
FEE 29-Dec-95 0 5.597230 0.00000
FEE 29-Dec-96 0 6.379530 0.00000
FEE 29-Dec-97 0 6.930006 0.00000
FEE 29-Dec-98 0 8.722034 0.00000
FEE 29-Dec-99 0 9.954693 0.00000
RESULTING VALUE 29-Dec-99 9.954693 276.34246 2750.9044
10.000
FORMULA: 1000*(1+T)= 2750.9044 - (0.85 * 1000 * 0)
= 2750.904417
T = 10.65%
R = 175.09%
NLIC VAII DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.319244 0.00000
FEE 29-Dec-91 0 4.080805 0.00000
FEE 29-Dec-92 0 4.414721 0.00000
FEE 29-Dec-93 0 4.978917 0.00000
FEE 29-Dec-94 0 4.698679 0.00000
FEE 29-Dec-95 0 6.260210 0.00000
FEE 29-Dec-96 0 7.719059 0.00000
FEE 29-Dec-97 0 9.193838 0.00000
FEE 29-Dec-98 0 10.526520 0.00000
FEE 29-Dec-99 0 9.909737 0.00000
RESULTING VALUE 29-Dec-99 9.909737 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII UTILITIES
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.411856 0.00000
FEE 29-Dec-91 0 3.957497 0.00000
FEE 29-Dec-92 0 4.434784 0.00000
FEE 29-Dec-93 0 5.050264 0.00000
FEE 29-Dec-94 0 4.487957 0.00000
FEE 29-Dec-95 0 5.640209 0.00000
FEE 29-Dec-96 0 6.050181 0.00000
FEE 29-Dec-97 0 7.422197 0.00000
FEE 29-Dec-98 0 9.040655 0.00000
FEE 29-Dec-99 0 9.911515 0.00000
RESULTING VALUE 29-Dec-99 9.911515 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EUROPEAN GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 2.406833 0.00000
FEE 29-Dec-92 0 2.483949 0.00000
FEE 29-Dec-93 0 3.487373 0.00000
FEE 29-Dec-94 0 3.638804 0.00000
FEE 29-Dec-95 0 4.501653 0.00000
FEE 29-Dec-96 0 5.641131 0.00000
FEE 29-Dec-97 0 6.512296 0.00000
FEE 29-Dec-98 0 7.970566 0.00000
FEE 29-Dec-99 0 9.854949 0.00000
RESULTING VALUE 29-Dec-99 9.854949 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 4.196976 0.00000
FEE 29-Dec-92 0 4.278149 0.00000
FEE 29-Dec-93 0 3.912952 0.00000
FEE 29-Dec-94 0 3.776877 0.00000
FEE 29-Dec-95 0 4.907893 0.00000
FEE 29-Dec-96 0 5.378112 0.00000
FEE 29-Dec-97 0 6.285242 0.00000
FEE 29-Dec-98 0 7.488135 0.00000
FEE 29-Dec-99 0 9.899990 0.00000
RESULTING VALUE 29-Dec-99 9.899990 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII PACIFIC GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 10.878207 0.00000
FEE 29-Dec-95 0 11.288485 0.00000
FEE 29-Dec-96 0 11.405309 0.00000
FEE 29-Dec-97 0 6.915219 0.00000
FEE 29-Dec-98 0 6.088576 0.00000
FEE 29-Dec-99 0 9.883201 0.00000
RESULTING VALUE 29-Dec-99 9.883201 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 5.335732 0.00000
FEE 29-Dec-95 0 6.396613 0.00000
FEE 29-Dec-96 0 7.368660 0.00000
FEE 29-Dec-97 0 7.997230 0.00000
FEE 29-Dec-98 0 8.881705 0.00000
FEE 29-Dec-99 0 9.906612 0.00000
RESULTING VALUE 29-Dec-99 9.906612 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL APPRECIATION
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 10.769665 0.00000
FEE 29-Dec-98 0 10.066025 0.00000
FEE 29-Dec-99 0 10.840987 0.00000
RESULTING VALUE 29-Dec-99 10.840987 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 9.315127 0.00000
FEE 29-Dec-98 0 9.472058 0.00000
FEE 29-Dec-99 0 9.849602 0.00000
RESULTING VALUE 29-Dec-99 9.849602 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 6.111065 0.00000
FEE 29-Dec-98 0 7.328064 0.00000
FEE 29-Dec-99 0 9.956825 0.00000
RESULTING VALUE 29-Dec-99 9.956825 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 7.627334 0.00000
FEE 29-Dec-98 0 8.142662 0.00000
FEE 29-Dec-99 0 9.878734 0.00000
RESULTING VALUE 29-Dec-99 9.878734 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 7.213709 0.00000
FEE 29-Dec-97 0 7.017136 0.00000
FEE 29-Dec-98 0 5.215409 0.00000
FEE 29-Dec-99 0 9.885519 0.00000
RESULTING VALUE 29-Dec-99 9.885519 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 2.752920 0.00000
FEE 29-Dec-96 0 3.136057 0.00000
FEE 29-Dec-97 0 3.562376 0.00000
FEE 29-Dec-98 0 4.914807 0.00000
FEE 29-Dec-99 0 9.862683 0.00000
RESULTING VALUE 29-Dec-99 9.862683 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 11.954787 0.00000
FEE 29-Dec-98 0 10.195703 0.00000
FEE 29-Dec-99 0 9.935272 0.00000
RESULTING VALUE 29-Dec-99 9.935272 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.123487 0.00000
FEE 29-Dec-99 0 9.968803 0.00000
RESULTING VALUE 29-Dec-99 9.968803 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.607738 0.00000
FEE 29-Dec-99 0 9.963909 0.00000
RESULTING VALUE 29-Dec-99 9.963909 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 9.884447 0.00000
RESULTING VALUE 29-Dec-99 9.884447 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 10.005743 0.00000
RESULTING VALUE 29-Dec-99 10.005743 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.648135 606.74626
FEE 29-Dec-90 0 1.566760 0.00000
FEE 29-Dec-91 0 2.172141 0.00000
FEE 29-Dec-92 0 2.408361 0.00000
FEE 29-Dec-93 0 2.817624 0.00000
FEE 29-Dec-94 0 2.802851 0.00000
FEE 29-Dec-95 0 3.862883 0.00000
FEE 29-Dec-96 0 4.279835 0.00000
FEE 29-Dec-97 0 5.132648 0.00000
FEE 29-Dec-98 0 6.338012 0.00000
FEE 29-Dec-99 0 9.875441 0.00000
RESULTING VALUE 29-Dec-99 9.875441 606.74626 5991.8869
10.000
FORMULA: 1000*(1+T)= 5991.8869 - (0.85 * 1000 * 0)
= 5991.886914
T = 19.61%
R = 499.19%
Putnam Growth & Income
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.331264 300.18633
FEE 29-Dec-90 0 3.319967 0.00000
FEE 29-Dec-91 0 3.808873 0.00000
FEE 29-Dec-92 0 4.151517 0.00000
FEE 29-Dec-93 0 4.671089 0.00000
FEE 29-Dec-94 0 4.572348 0.00000
FEE 29-Dec-95 0 6.118747 0.00000
FEE 29-Dec-96 0 7.418796 0.00000
FEE 29-Dec-97 0 8.723087 0.00000
FEE 29-Dec-98 0 10.137712 0.00000
FEE 29-Dec-99 0 9.952403 0.00000
RESULTING VALUE 29-Dec-99 9.952403 300.18633 2987.5753
10.000
FORMULA: 1000*(1+T)= 2987.5753 - (0.85 * 1000 * 0)
= 2987.575327
T = 11.57%
R = 198.76%
NLIC VAII MONEY MARKET
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 5.779084 173.03782
1 FEE 09-Mar-85 0 5.978253 0.00000 0.06
2 FEE 09-Mar-86 0 6.304418 0.00000 0.05
3 FEE 09-Mar-87 0 6.550026 0.00000 0.05
4 09-Mar-88 0 6.831953 0.00000 0.04
5 09-Mar-89 0 7.200657 0.00000 0.03
6 09-Mar-90 0 7.681132 0.00000 0.02
7 09-Mar-91 0 8.097980 0.00000 0
8 09-Mar-92 0 8.348061 0.00000 0
9 09-Mar-93 0 8.437115 0.00000 0
10 09-Mar-94 0 8.488075 0.00000 0
11 09-Mar-95 0 8.676677 0.00000 0
12 09-Mar-96 0 8.970752 0.00000 0
13 09-Mar-97 0 9.228627 0.00000 0
14 FEE 09-Mar-98 0 9.515768 0.00000 0
15 FEE 09-Mar-99 0 9.790239 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 173.03782 1730.3782
15.811
FORMULA: 1000*(1+T)= 1730.3782
= 1730.378169
T = 3.53%
R = 73.04%
NLIC VAII HIGH YIELD
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 4.096717 244.09791
1 FEE 09-Mar-85 0 4.558101 0.00000 0.06
2 FEE 09-Mar-86 0 5.741788 0.00000 0.05
3 FEE 09-Mar-87 0 6.725025 0.00000 0.05
4 09-Mar-88 0 6.346613 0.00000 0.04
5 09-Mar-89 0 6.726658 0.00000 0.03
6 09-Mar-90 0 5.224828 0.00000 0.02
7 09-Mar-91 0 4.725149 0.00000 0
8 09-Mar-92 0 7.116874 0.00000 0
9 09-Mar-93 0 7.703228 0.00000 0
10 09-Mar-94 0 8.983652 0.00000 0
11 09-Mar-95 0 8.449515 0.00000 0
12 09-Mar-96 0 9.591881 0.00000 0
13 09-Mar-97 0 10.278654 0.00000 0
14 FEE 09-Mar-98 0 11.439985 0.00000 0
15 FEE 09-Mar-99 0 10.206928 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 244.09791 2440.9791
15.811
FORMULA: 1000*(1+T)= 2440.9791
= 2440.979077
T = 5.81%
R = 144.10%
NLIC VAII EQUITY
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 0.902815 1107.64621
1 FEE 09-Mar-85 0 1.024301 0.00000 0.06
2 FEE 09-Mar-86 0 1.301990 0.00000 0.05
3 FEE 09-Mar-87 0 1.604992 0.00000 0.05
4 09-Mar-88 0 1.368497 0.00000 0.04
5 09-Mar-89 0 1.394195 0.00000 0.03
6 09-Mar-90 0 1.491279 0.00000 0.02
7 09-Mar-91 0 1.732807 0.00000 0
8 09-Mar-92 0 2.112029 0.00000 0
9 09-Mar-93 0 2.350844 0.00000 0
10 09-Mar-94 0 2.728748 0.00000 0
11 09-Mar-95 0 2.519810 0.00000 0
12 09-Mar-96 0 3.409620 0.00000 0
13 09-Mar-97 0 4.035612 0.00000 0
14 FEE 09-Mar-98 0 5.361026 0.00000 0
15 FEE 09-Mar-99 0 7.005354 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 1107.64621 11076.4621
15.811
FORMULA: 1000*(1+T)= 11076.4621
= 11076.46213
T = 16.43%
R = 1007.65%
NLIC VAII QUALITY INCOME
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 5.215116 0.00000 0.06
2 FEE 01-Mar-89 0 5.281266 0.00000 0.05
3 FEE 01-Mar-90 0 5.695790 0.00000 0.05
4 01-Mar-91 0 6.248172 0.00000 0.04
5 01-Mar-92 0 7.019583 0.00000 0.03
6 01-Mar-93 0 7.908529 0.00000 0.02
7 01-Mar-94 0 8.130473 0.00000 0
8 01-Mar-95 0 7.979969 0.00000 0
9 01-Mar-96 0 9.045990 0.00000 0
10 01-Mar-97 0 9.226718 0.00000 0
11 01-Mar-98 0 10.097302 0.00000 0
12 01-Mar-99 0 10.347011 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII STRATEGIST
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 3.244307 0.00000 0.06
2 FEE 01-Mar-89 0 3.366019 0.00000 0.05
3 FEE 01-Mar-90 0 3.606719 0.00000 0.05
4 01-Mar-91 0 4.012480 0.00000 0.04
5 01-Mar-92 0 4.554431 0.00000 0.03
6 01-Mar-93 0 4.854806 0.00000 0.02
7 01-Mar-94 0 5.173903 0.00000 0
8 01-Mar-95 0 5.265790 0.00000 0
9 01-Mar-96 0 5.760946 0.00000 0
10 01-Mar-97 0 6.534956 0.00000 0
11 01-Mar-98 0 7.494242 0.00000 0
12 01-Mar-99 0 8.780960 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.679611 271.76786
1 FEE 01-Mar-91 0 3.760752 0.00000 0.06
2 FEE 01-Mar-92 0 4.188517 0.00000 0.05
3 FEE 01-Mar-93 0 4.566456 0.00000 0.05
4 01-Mar-94 0 4.875610 0.00000 0.04
5 01-Mar-95 0 4.983606 0.00000 0.03
6 01-Mar-96 0 6.629866 0.00000 0.02
7 01-Mar-97 0 7.873892 0.00000 0
8 01-Mar-98 0 9.920587 0.00000 0
9 01-Mar-99 0 10.222898 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 271.76786 2717.6786
9.834
FORMULA: 1000*(1+T)= 2717.6786
= 2717.678584
T = 10.70%
R = 171.77%
NLIC VAII UTILITIES
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.314601 301.69547
1 FEE 01-Mar-91 0 3.511071 0.00000 0.06
2 FEE 01-Mar-92 0 3.869640 0.00000 0.05
3 FEE 01-Mar-93 0 4.761284 0.00000 0.05
4 01-Mar-94 0 4.765743 0.00000 0.04
5 01-Mar-95 0 4.646993 0.00000 0.03
6 01-Mar-96 0 5.669715 0.00000 0.02
7 01-Mar-97 0 6.052319 0.00000 0
8 01-Mar-98 0 7.674091 0.00000 0
9 01-Mar-99 0 8.718012 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 301.69547 3016.9547
9.834
FORMULA: 1000*(1+T)= 3016.9547
= 3016.954663
T = 11.88%
R = 201.70%
NLIC VAII EUROPEAN GROWTH
01-Mar-91
TO NO. YEARS 8.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-91 1000.00 2.458532 406.74684
1 FEE 01-Mar-92 0 2.515258 0.00000 0.06
2 FEE 01-Mar-93 0 2.602788 0.00000 0.05
3 FEE 01-Mar-94 0 3.553234 0.00000 0.05
4 01-Mar-95 0 3.739911 0.00000 0.04
5 01-Mar-96 0 4.723459 0.00000 0.03
6 01-Mar-97 0 5.745336 0.00000 0.02
7 01-Mar-98 0 7.347835 0.00000 0
8 01-Mar-99 0 7.762569 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 406.74684 4067.4684
8.835
FORMULA: 1000*(1+T)= 4067.4684
= 4067.468409
T = 17.21%
R = 306.75%
NLIC VAII CAPITAL GROWTH
01-Mar-91
TO NO. YEARS 8.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-91 1000.00 3.408389 293.39373
1 FEE 01-Mar-92 0 4.108006 0.00000 0.06
2 FEE 01-Mar-93 0 3.977655 0.00000 0.05
3 FEE 01-Mar-94 0 3.915678 0.00000 0.05
4 01-Mar-95 0 4.021252 0.00000 0.04
5 01-Mar-96 0 5.169823 0.00000 0.03
6 01-Mar-97 0 5.506355 0.00000 0.02
7 01-Mar-98 0 7.061876 0.00000 0
8 01-Mar-99 0 7.596668 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 293.39373 2933.9373
8.835
FORMULA: 1000*(1+T)= 2933.9373
= 2933.93733
T = 12.96%
R = 193.39%
NLIC VAII PACIFIC GROWTH
22-Feb-94
TO NO. YEARS 5.854
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 22-Feb-94 1000.00 11.897363 84.05224
1 FEE 22-Feb-95 0 10.188622 0.00000 0.06
2 FEE 22-Feb-96 0 12.192851 0.00000 0.05
3 FEE 22-Feb-97 0 11.587215 0.00000 0.05
4 22-Feb-98 0 7.031278 0.00000 0.04
5 22-Feb-99 0 5.914704 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 84.05224 840.5224
5.854
FORMULA: 1000*(1+T)= 840.5224
= 823.522388
T = -3.26%
R = -17.65%
NLIC VAII GLOBAL DIVIDEND GROWTH
24-Feb-94
TO NO. YEARS 5.848
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Feb-94 1000.00 5.432815 184.06664
1 FEE 24-Feb-95 0 5.374815 0.00000 0.06
2 FEE 24-Feb-96 0 6.605484 0.00000 0.05
3 FEE 24-Feb-97 0 7.437170 0.00000 0.05
4 24-Feb-98 0 8.421370 0.00000 0.04
5 24-Feb-99 0 8.685542 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 184.06664 1840.6664
5.848
FORMULA: 1000*(1+T)= 1840.6664
= 1823.666416
T = 10.82%
R = 82.37%
NLIC VAII CAPITAL APPRECIATION
21-Jan-97
TO NO. YEARS 2.940
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 21-Jan-97 1000.00 10.000000 100.00000
1 FEE 21-Jan-98 0 10.937002 0.00000 0.06
2 FEE 21-Jan-99 0 10.535104 0.00000 0.05
3 FEE 31-Dec-99 0 10.840987 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.840987 100.00000 1084.0987
2.940
FORMULA: 1000*(1+T)= 1084.0987
= 1041.5987
T = 1.40%
R = 4.16%
NLIC VAII INCOME BUILDER
21-Jan-97
TO NO. YEARS 2.940
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 21-Jan-97 1000.00 7.863132 127.17579
1 FEE 21-Jan-98 0 9.408270 0.00000 0.06
2 FEE 21-Jan-99 0 9.617474 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 127.17579 1271.7579
2.940
FORMULA: 1000*(1+T)= 1271.7579
= 1229.257872
T = 7.27%
R = 22.93%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.809624 207.91647
1 FEE 02-Jan-98 0 6.252330 0.00000 0.06
2 FEE 02-Jan-99 0 7.288011 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 207.91647 2079.1647
2.992
FORMULA: 1000*(1+T)= 2079.1647
= 2036.664729
T = 26.83%
R = 103.67%
NLIC VAII INTERNATIONAL MAGNUM
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.298178 137.02050
1 FEE 02-Jan-98 0 7.699485 0.00000 0.06
2 FEE 02-Jan-99 0 8.271996 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 137.02050 1370.2050
2.992
FORMULA: 1000*(1+T)= 1370.2050
= 1327.704972
T = 9.94%
R = 32.77%
NLIC VAII EMERGING MARKETS
01-Oct-96
TO NO. YEARS 3.247
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Oct-96 1000.00 7.427936 134.62689
1 FEE 01-Oct-97 0 8.787587 0.00000 0.06
2 FEE 01-Oct-98 0 4.441227 0.00000 0.05
3 FEE 01-Oct-99 0 6.718202 0.00000 0.05
4 31-Dec-99 0 10.000000 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.62689 1346.2689
3.247
FORMULA: 1000*(1+T)= 1346.2689
= 1312.268936
T = 8.73%
R = 31.23%
NLIC VAII EMERGING GROWTH
03-Jul-95
TO NO. YEARS 4.496
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-Jul-95 1000.00 2.375113 421.03257
1 FEE 03-Jul-96 0 3.193555 0.00000 0.06
2 FEE 03-Jul-97 0 3.464667 0.00000 0.05
3 FEE 03-Jul-98 0 4.505891 0.00000 0.05
4 03-Jul-99 0 6.181131 0.00000 0.04
5 31-Dec-99 0 10.000000 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 421.03257 4210.3257
4.496
FORMULA: 1000*(1+T)= 4210.3257
= 4184.825724
T = 37.50%
R = 318.48%
NLIC VAII REAL ESTATE
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 10.482492 95.39716
1 FEE 04-Mar-98 0 11.857293 0.00000 0.06
2 FEE 04-Mar-99 0 9.968175 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 95.39716 953.9716
2.825
FORMULA: 1000*(1+T)= 953.9716
= 911.4716096
T = -3.23%
R = -8.85%
NLIC VAII COMPETITIVE EDGE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 8.362580 119.58032
1 FEE 18-May-99 0 8.402678 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 119.58032 1195.8032
1.621
FORMULA: 1000*(1+T)= 1195.8032
= 1153.303205
T = 9.20%
R = 15.33%
NLIC VAII S&P 500 INDEX
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 7.702531 129.82745
1 FEE 18-May-99 0 9.202987 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 129.82745 1298.2745
1.621
FORMULA: 1000*(1+T)= 1298.2745
= 1255.774549
T = 15.09%
R = 25.58%
NLIC VAII AGGRESSIVE EQUITY
03-May-99
TO NO. YEARS 0.663
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-May-99 1000.00 6.941047 144.07047
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 144.07047 1440.7047
0.663
FORMULA: 1000*(1+T)= 1440.7047
= 1389.70475
T = 64.33%
R = 38.97%
NLIC VAII SHORT TERM BOND
03-May-99
TO NO. YEARS 0.663
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-May-99 1000.00 9.984178 100.15847
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 100.15847 1001.5847
0.663
FORMULA: 1000*(1+T)= 1001.5847
= 950.5847377
T = -7.36%
R = -4.94%
Alliance Premier Growth
14-Jul-99
TO NO. YEARS 0.465
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 14-Jul-99 1000.00 8.917632 112.13739
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.13739 1121.3739
0.465
FORMULA: 1000*(1+T)= 1121.3739
= 1070.373914
T = 15.73%
R = 7.04%
Alliance Growth
15-Sep-94
TO NO. YEARS 5.292
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 15-Sep-94 1000.00 2.707230 369.38119
1 FEE 15-Sep-95 0 3.620752 0.00000 0.06
2 FEE 15-Sep-96 0 4.185016 0.00000 0.05
3 FEE 15-Sep-97 0 5.668388 0.00000 0.05
4 15-Sep-98 0 5.932394 0.00000 0.04
5 15-Sep-99 0 8.162315 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 369.38119 3693.8119
5.292
FORMULA: 1000*(1+T)= 3693.8119
= 3676.811912
T = 27.89%
R = 267.68%
Alliance Growth and Income
14-Jan-91
TO NO. YEARS 8.961
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 14-Jan-91 1000.00 3.313161 301.82659
1 FEE 14-Jan-92 0 3.361031 0.00000 0.06
2 FEE 14-Jan-93 0 3.552967 0.00000 0.05
3 FEE 14-Jan-94 0 3.886913 0.00000 0.05
4 14-Jan-95 0 3.793108 0.00000 0.04
5 14-Jan-96 0 4.891049 0.00000 0.03
6 14-Jan-97 0 6.275554 0.00000 0.02
7 14-Jan-98 0 7.552597 0.00000 0
8 14-Jan-99 0 9.009857 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 301.82659 3018.2659
8.961
FORMULA: 1000*(1+T)= 3018.2659
= 3018.265941
T = 13.12%
R = 201.83%
Aim Cap App
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.041476 328.78777
1 FEE 05-May-94 0 3.571087 0.00000 0.06
2 FEE 05-May-95 0 3.964294 0.00000 0.05
3 FEE 05-May-96 0 5.341240 0.00000 0.05
4 05-May-97 0 5.575425 0.00000 0.04
5 05-May-98 0 7.007268 0.00000 0.03
6 05-May-99 0 7.221221 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 328.78777 3287.8777
6.656
FORMULA: 1000*(1+T)= 3287.8777
= 3287.87768
T = 19.58%
R = 228.79%
Aim Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.066874 326.06491
1 FEE 05-May-94 0 3.208424 0.00000 0.06
2 FEE 05-May-95 0 3.571126 0.00000 0.05
3 FEE 05-May-96 0 4.490282 0.00000 0.05
4 05-May-97 0 5.264192 0.00000 0.04
5 05-May-98 0 7.057696 0.00000 0.03
6 05-May-99 0 8.021685 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 326.06491 3260.6491
6.656
FORMULA: 1000*(1+T)= 3260.6491
= 3260.649112
T = 19.43%
R = 226.06%
Aim Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.981791 335.36891
1 FEE 05-May-94 0 3.449327 0.00000 0.06
2 FEE 05-May-95 0 3.883093 0.00000 0.05
3 FEE 05-May-96 0 4.658387 0.00000 0.05
4 05-May-97 0 5.580781 0.00000 0.04
5 05-May-98 0 7.147443 0.00000 0.03
6 05-May-99 0 8.516362 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 335.36891 3353.6891
6.656
FORMULA: 1000*(1+T)= 3353.6891
= 3353.689072
T = 19.94%
R = 235.37%
Putnam International Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.815033 207.68288
1 FEE 02-Jan-98 0 5.501845 0.00000 0.06
2 FEE 02-Jan-99 0 6.364334 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 207.68288 2076.8288
2.992
FORMULA: 1000*(1+T)= 2076.8288
= 2034.328847
T = 26.78%
R = 103.43%
Putnam Voyager
01-Feb-88
TO NO. YEARS 11.912
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Feb-88 1000.00 1.259086 794.22683
1 FEE 01-Feb-89 0 1.348264 0.00000 0.06
2 FEE 01-Feb-90 0 1.462637 0.00000 0.05
3 FEE 01-Feb-91 0 1.682666 0.00000 0.05
4 01-Feb-92 0 2.260748 0.00000 0.04
5 01-Feb-93 0 2.458109 0.00000 0.03
6 01-Feb-94 0 2.891600 0.00000 0.02
7 01-Feb-95 0 2.827535 0.00000 0
8 01-Feb-96 0 3.924729 0.00000 0
9 01-Feb-97 0 4.454545 0.00000 0
10 01-Feb-98 0 5.268645 0.00000 0
11 01-Feb-99 0 6.731763 0.00000 0
12 31-Dec-99 0 10.000000 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 794.22683 7942.2683
11.912
FORMULA: 1000*(1+T)= 7942.2683
= 7942.2683
T = 19.00%
R = 694.23%
Putnam Growth & Income
01-Feb-88
TO NO. YEARS 11.912
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Feb-88 1000.00 2.383770 419.50358
1 FEE 01-Feb-89 0 2.949316 0.00000 0.06
2 FEE 01-Feb-90 0 3.195698 0.00000 0.05
3 FEE 01-Feb-91 0 3.443330 0.00000 0.05
4 01-Feb-92 0 3.884325 0.00000 0.04
5 01-Feb-93 0 4.211053 0.00000 0.03
6 01-Feb-94 0 4.776738 0.00000 0.02
7 01-Feb-95 0 4.677055 0.00000 0
8 01-Feb-96 0 6.265884 0.00000 0
9 01-Feb-97 0 7.596473 0.00000 0
10 01-Feb-98 0 8.887645 0.00000 0
11 01-Feb-99 0 10.088974 0.00000 0
12 31-Dec-99 0 10.000000 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 419.50358 4195.0358
11.912
FORMULA: 1000*(1+T)= 4195.0358
= 4195.03582
T = 12.79%
R = 319.50%
MSDW Mid Cap
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.550716 180.15695
1 FEE 02-Jan-98 0 7.626476 0.00000 0.06
2 FEE 02-Jan-99 0 8.426998 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 180.15695 1801.5695
2.992
FORMULA: 1000*(1+T)= 1801.5695
= 1759.069501
T = 20.77%
R = 75.91%
<PAGE>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.326764 136.48591
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.48591 1364.8591
1.000
FORMULA: 1000*(1+T)= 1364.8591 - (0.85 * 1000 * 0.05)
= 1322.3591
T = 32.24%
R = 32.24%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.161147 122.53180
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.53180 1225.3180
1.000
FORMULA: 1000*(1+T)= 1225.3180 - (0.85 * 1000 * 0.05)
= 1182.8180
T = 18.28%
R = 18.28%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.247454 190.56860
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.56860 1905.6860
1.000
FORMULA: 1000*(1+T)= 1905.6860 - (0.85 * 1000 * 0.05)
= 1863.1860
T = 86.32%
R = 86.32%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.998959 200.04164
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.04164 2000.4164
1.000
FORMULA: 1000*(1+T)= 2000.4164 - (0.85 * 1000 * 0.05)
= 1957.9164
T = 95.79%
R = 95.79%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.369970 96.43230
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.43230 964.3230
1.000
FORMULA: 1000*(1+T)= 964.3230 - (0.85 * 1000 * 0.05)
= 921.8230
T = -7.82%
R = -7.82%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.818262 207.54370
1 FEE 02-Jan-98 0 6.259808 0.00000 0.06
2 FEE 02-Jan-99 0 7.292367 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 207.54370 2075.4370
2.992
FORMULA: 1000*(1+T)= 2075.4370
= 2032.93698
T = 26.76%
R = 103.29%
NLIC VAII INTERNATIONAL MAGNUM
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.311296 136.77466
1 FEE 02-Jan-98 0 7.708697 0.00000 0.06
2 FEE 02-Jan-99 0 8.276943 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.77466 1367.7466
2.992
FORMULA: 1000*(1+T)= 1367.7466
= 1325.24663
T = 9.87%
R = 32.52%
NLIC VAII EMERGING MARKETS
01-Oct-96
TO NO. YEARS 3.247
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Oct-96 1000.00 7.442422 134.36487
1 FEE 01-Oct-97 0 8.799449 0.00000 0.06
2 FEE 01-Oct-98 0 4.444547 0.00000 0.05
3 FEE 01-Oct-99 0 6.719200 0.00000 0.05
4 31-Dec-99 0 10.000000 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.36487 1343.6487
3.247
FORMULA: 1000*(1+T)= 1343.6487
= 1309.64868
T = 8.66%
R = 30.96%
NLIC VAII EMERGING GROWTH
03-Jul-95
TO NO. YEARS 4.496
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-Jul-95 1000.00 2.381523 419.89945
1 FEE 03-Jul-96 0 3.200251 0.00000 0.06
2 FEE 03-Jul-97 0 3.469851 0.00000 0.05
3 FEE 03-Jul-98 0 4.509934 0.00000 0.05
4 03-Jul-99 0 6.182975 0.00000 0.04
5 31-Dec-99 0 10.000000 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 419.89945 4198.9945
4.496
FORMULA: 1000*(1+T)= 4198.9945
= 4173.494486
T = 37.41%
R = 317.35%
NLIC VAII REAL ESTATE
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 10.500294 95.23543
1 FEE 04-Mar-98 0 11.870308 0.00000 0.06
2 FEE 04-Mar-99 0 9.973126 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 95.23543 952.3543
2.825
FORMULA: 1000*(1+T)= 952.3543
= 909.8542839
T = -3.29%
R = -9.01%
<PAGE>
Non-Standardized Calculations
Dates:
Current: 12/31/99
3 Months Ago: 09/30/99
End of Last Year: 12/31/98
One Yr Ago: 12/31/98
Two Yrs Ago: 12/31/97
Three Yrs Ago: 12/31/96
Five Yrs Ago: 12/31/94
Ten Yrs Ago: 12/31/89
Inception Inception Ten Yr Five Yr Three Two One Yr YTD 3 Months Today's
Fund Date AUV AUV AUV AUV AUV AUV AUV AUV AUV
Equity Growth 03/16/98 7.297218351 N/A N/A N/A N/A 7.326763733 7.326763733 8.253433357 10
International Magnum 03/16/98 8.419685515 N/A N/A N/A N/A 8.161146941 8.161146941 8.967422598 10
Emerging Markets 03/16/98 7.474139023 N/A N/A N/A N/A 5.247454106 5.247454106 6.726860633 10
Emerging Growth 03/16/98 4.193261533 N/A N/A N/A N/A 4.998959099 4.998959099 6.261188704 10
Real Estate 05/18/98 11.77561853 N/A N/A N/A N/A 10.36996957 10.36996957 10.15544199 10
Non-Standardized Performance
Inception Ten Years Five Years Three Years Two Years One Year YTD Three Months
Total Average Total Average Total Average Total Average Total Average
37.04% 19.19% N/A N/A N/A N/A N/A N/A N/A N/A 36.49% 36.49% 21.16%
18.77% 10.06% N/A N/A N/A N/A N/A N/A N/A N/A 22.53% 22.53% 11.51%
33.79% 17.61% N/A N/A N/A N/A N/A N/A N/A N/A 90.57% 90.57% 48.66%
138.48% 62.31% N/A N/A N/A N/A N/A N/A N/A N/A 100.04% 100.04% 59.71%
-15.08% -9.59% N/A N/A N/A N/A N/A N/A N/A N/A -3.57% -3.57% -1.53%
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. YEARS 1.000
TO
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.751059 102.55296
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 102.55296 1025.5296
1.000
FORMULA: 1000*(1+T)= 1025.5296 - (0.85 * 1000 * 0.05)
= 983.0296
T = -1.70%
R = -1.70%
NLIC VAII HIGH YIELD
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.355214 96.56971
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.56971 965.6971
1.000
FORMULA: 1000*(1+T)= 965.6971 - (0.85 * 1000 * 0.05)
= 923.1971
T = -7.68%
R = -7.68%
NLIC VAII EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.442293 155.22424
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.22424 1552.2424
1.000
FORMULA: 1000*(1+T)= 1552.2424 - (0.85 * 1000 * 0.05)
= 1509.7424
T = 50.97%
R = 50.97%
NLIC VAII QUALITY INCOME
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.678246 93.64834
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.64834 936.4834
1.000
FORMULA: 1000*(1+T)= 936.4834 - (0.85 * 1000 * 0.05)
= 893.9834
T = -10.60%
R = -10.60%
NLIC VAII STRATEGIST
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.706533 114.85628
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 114.85628 1148.5628
1.000
FORMULA: 1000*(1+T)= 1148.5628 - (0.85 * 1000 * 0.05)
= 1106.0628
T = 10.61%
R = 10.61%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.467626 95.53265
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 95.53265 955.3265
1.000
FORMULA: 1000*(1+T)= 955.3265 - (0.85 * 1000 * 0.05)
= 912.8265
T = -8.72%
R = -8.72%
NLIC VAII UTILITIES
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.064642 110.31875
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 110.31875 1103.1875
1.000
FORMULA: 1000*(1+T)= 1103.1875 - (0.85 * 1000 * 0.05)
= 1060.6875
T = 6.07%
R = 6.07%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.913285 126.36976
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 126.36976 1263.6976
1.000
FORMULA: 1000*(1+T)= 1263.6976 - (0.85 * 1000 * 0.05)
= 1221.1976
T = 22.12%
R = 22.12%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.664951 130.46398
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 130.46398 1304.6398
1.000
FORMULA: 1000*(1+T)= 1304.6398 - (0.85 * 1000 * 0.05)
= 1262.1398
T = 26.21%
R = 26.21%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.151249 162.56861
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 162.56861 1625.6861
1.000
FORMULA: 1000*(1+T)= 1625.6861 - (0.85 * 1000 * 0.05)
= 1583.1861
T = 58.32%
R = 58.32%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.911465 112.21499
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 112.21499 1122.1499
1.000
FORMULA: 1000*(1+T)= 1122.1499 - (0.85 * 1000 * 0.05)
= 1079.6499
T = 7.96%
R = 7.96%
NLIC VAII CAPITAL APPRECIATION
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.123843 98.77672
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 98.77672 1070.8371
1.000
FORMULA: 1000*(1+T)= 1070.8371 - (0.85 * 1000 * 0.05)
= 1028.3371
T = 2.83%
R = 2.83%
NLIC VAII INCOME BUILDER
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.543205 104.78660
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 104.78660 1047.8660
1.000
FORMULA: 1000*(1+T)= 1047.8660 - (0.85 * 1000 * 0.05)
= 1005.3660
T = 0.54%
R = 0.54%
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.326764 136.48591
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.48591 1364.8591
1.000
FORMULA: 1000*(1+T)= 1364.8591 - (0.85 * 1000 * 0.05)
= 1322.3591
T = 32.24%
R = 32.24%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.161147 122.53180
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.53180 1225.3180
1.000
FORMULA: 1000*(1+T)= 1225.3180 - (0.85 * 1000 * 0.05)
= 1182.8180
T = 18.28%
R = 18.28%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.247454 190.56860
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.56860 1905.6860
1.000
FORMULA: 1000*(1+T)= 1905.6860 - (0.85 * 1000 * 0.05)
= 1863.1860
T = 86.32%
R = 86.32%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 4.998959 200.04164
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 200.04164 2000.4164
1.000
FORMULA: 1000*(1+T)= 2000.4164 - (0.85 * 1000 * 0.05)
= 1957.9164
T = 95.79%
R = 95.79%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.369970 96.43230
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.43230 964.3230
1.000
FORMULA: 1000*(1+T)= 964.3230 - (0.85 * 1000 * 0.05)
= 921.8230
T = -7.82%
R = -7.82%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.102647 123.41646
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 123.41646 1234.1646
1.000
FORMULA: 1000*(1+T)= 1234.1646 - (0.85 * 1000 * 0.05)
= 1191.6646
T = 19.17%
R = 19.17%
NLIC VAII S&P 500 INDEX
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.535833 117.15319
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.15319 1171.5319
1.000
FORMULA: 1000*(1+T)= 1171.5319 - (0.85 * 1000 * 0.05)
= 1129.0319
T = 12.90%
R = 12.90%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.587015 131.80414
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 131.80414 1318.0414
1.000
FORMULA: 1000*(1+T)= 1318.0414 - (0.85 * 1000 * 0.05)
= 1275.5414
T = 27.55%
R = 27.55%
Alliance Growth and Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.160922 109.15931
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 109.15931 1091.5931
1.000
FORMULA: 1000*(1+T)= 1091.5931 - (0.85 * 1000 * 0.05)
= 1049.0931
T = 4.91%
R = 4.91%
Aim Cap App
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.047426 141.89578
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 141.89578 1418.9578
1.000
FORMULA: 1000*(1+T)= 1418.9578 - (0.85 * 1000 * 0.05)
= 1376.4578
T = 37.65%
R = 37.65%
Aim Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.536202 132.69283
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 132.69283 1326.9283
1.000
FORMULA: 1000*(1+T)= 1326.9283 - (0.85 * 1000 * 0.05)
= 1284.4283
T = 28.44%
R = 28.44%
Aim Value
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.845890 127.45526
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 127.45526 1274.5526
1.000
FORMULA: 1000*(1+T)= 1274.5526 - (0.85 * 1000 * 0.05)
= 1232.0526
T = 23.21%
R = 23.21%
Putnam International Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.368136 157.03182
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 157.03182 1570.3182
1.000
FORMULA: 1000*(1+T)= 1570.3182 - (0.85 * 1000 * 0.05)
= 1527.8182
T = 52.78%
R = 52.78%
Putnam Voyager
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.449579 155.04888
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 155.04888 1550.4888
1.000
FORMULA: 1000*(1+T)= 1550.4888 - (0.85 * 1000 * 0.05)
= 1507.9888
T = 50.80%
R = 50.80%
Putnam Growth & Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.044944 99.55257
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 99.55257 995.5257
1.000
FORMULA: 1000*(1+T)= 995.5257 - (0.85 * 1000 * 0.05)
= 953.0257
T = -4.70%
R = -4.70%
MSDW Mid Cap
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.472423 118.02999
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 118.02999 1180.2999
1.000
FORMULA: 1000*(1+T)= 1180.2999 - (0.85 * 1000 * 0.05)
= 1137.7999
T = 13.78%
R = 13.78%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.649992 115.60704
FEE 31-Dec-95 0 8.941391 0.00000
FEE 31-Dec-96 0 9.197618 0.00000
FEE 31-Dec-97 0 9.473242 0.00000
FEE 31-Dec-98 0 9.751059 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 115.60704 1156.0704
5.000
FORMULA: 1000*(1+T)= 1156.0704 - (0.85 * 1000 * 0.02)
= 1139.070426
T = 2.64%
R = 13.91%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 8.373935 119.41818
FEE 31-Dec-95 0 9.400916 0.00000
FEE 31-Dec-96 0 10.302149 0.00000
FEE 31-Dec-97 0 11.279563 0.00000
FEE 31-Dec-98 0 10.355214 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 119.41818 1194.1818
5.000
FORMULA: 1000*(1+T)= 1194.1818 - (0.85 * 1000 * 0.02)
= 1177.181752
T = 3.32%
R = 17.72%
NLIC VAII EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.418552 413.47052
FEE 31-Dec-95 0 3.411391 0.00000
FEE 31-Dec-96 0 3.751131 0.00000
FEE 31-Dec-97 0 5.045754 0.00000
FEE 31-Dec-98 0 6.442293 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 413.47052 4134.7052
5.000
FORMULA: 1000*(1+T)= 4134.7052 - (0.85 * 1000 * 0.02)
= 4117.705201
T = 32.72%
R = 311.77%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 7.612945 131.35520
FEE 31-Dec-95 0 9.289002 0.00000
FEE 31-Dec-96 0 9.231898 0.00000
FEE 31-Dec-97 0 10.039768 0.00000
FEE 31-Dec-98 0 10.678246 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 131.35520 1313.5520
5.000
FORMULA: 1000*(1+T)= 1313.5520 - (0.85 * 1000 * 0.02)
= 1296.552047
T = 5.33%
R = 29.66%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.244349 190.68145
FEE 31-Dec-95 0 5.610689 0.00000
FEE 31-Dec-96 0 6.315675 0.00000
FEE 31-Dec-97 0 7.029416 0.00000
FEE 31-Dec-98 0 8.706533 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.68145 1906.8145
5.000
FORMULA: 1000*(1+T)= 1906.8145 - (0.85 * 1000 * 0.02)
= 1889.814457
T = 13.58%
R = 88.98%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.726759 211.56145
FEE 31-Dec-95 0 6.275265 0.00000
FEE 31-Dec-96 0 7.612708 0.00000
FEE 31-Dec-97 0 9.358851 0.00000
FEE 31-Dec-98 0 10.467626 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 211.56145 2115.6145
5.000
FORMULA: 1000*(1+T)= 2115.6145 - (0.85 * 1000 * 0.02)
= 2098.614479
T = 15.98%
R = 109.86%
NLIC VAII UTILITIES
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.493424 222.54746
FEE 31-Dec-95 0 5.653772 0.00000
FEE 31-Dec-96 0 6.013170 0.00000
FEE 31-Dec-97 0 7.483399 0.00000
FEE 31-Dec-98 0 9.064642 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 222.54746 2225.4746
5.000
FORMULA: 1000*(1+T)= 2225.4746 - (0.85 * 1000 * 0.02)
= 2208.474627
T = 17.17%
R = 120.85%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.666858 272.71305
FEE 31-Dec-95 0 4.512473 0.00000
FEE 31-Dec-96 0 5.740528 0.00000
FEE 31-Dec-97 0 6.522128 0.00000
FEE 31-Dec-98 0 7.913285 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 272.71305 2727.1305
5.000
FORMULA: 1000*(1+T)= 2727.1305 - (0.85 * 1000 * 0.02)
= 2710.130457
T = 22.07%
R = 171.01%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.762898 265.75261
FEE 31-Dec-95 0 4.919694 0.00000
FEE 31-Dec-96 0 5.370434 0.00000
FEE 31-Dec-97 0 6.546191 0.00000
FEE 31-Dec-98 0 7.664951 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 265.75261 2657.5261
5.000
FORMULA: 1000*(1+T)= 2657.5261 - (0.85 * 1000 * 0.02)
= 2640.526136
T = 21.43%
R = 164.05%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 10.827003 92.36166
FEE 31-Dec-95 0 11.315660 0.00000
FEE 31-Dec-96 0 11.504118 0.00000
FEE 31-Dec-97 0 7.014424 0.00000
FEE 31-Dec-98 0 6.151249 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 92.36166 923.6166
5.000
FORMULA: 1000*(1+T)= 923.6166 - (0.85 * 1000 * 0.02)
= 906.6166398
T = -1.94%
R = -9.34%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 5.358645 186.61435
FEE 31-Dec-95 0 6.411997 0.00000
FEE 31-Dec-96 0 7.378518 0.00000
FEE 31-Dec-97 0 8.091047 0.00000
FEE 31-Dec-98 0 8.911465 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 186.61435 1866.1435
5.000
FORMULA: 1000*(1+T)= 1866.1435 - (0.85 * 1000 * 0.02)
= 1849.143524
T = 13.08%
R = 84.91%
NLIC VAII CAPITAL APPRECIATION
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 11.163269 0.00000
FEE 31-Dec-98 0 10.123843 0.00000
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 9.446952 0.00000
FEE 31-Dec-98 0 9.543205 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 6.275324 0.00000
FEE 31-Dec-98 0 7.326764 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.680007 0.00000
FEE 31-Dec-98 0 8.161147 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 7.239855 0.00000
FEE 31-Dec-97 0 7.107664 0.00000
FEE 31-Dec-98 0 5.247454 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 2.759538 0.00000
FEE 31-Dec-96 0 3.150207 0.00000
FEE 31-Dec-97 0 3.712957 0.00000
FEE 31-Dec-98 0 4.998959 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 12.170452 0.00000
FEE 31-Dec-98 0 10.369970 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.102647 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 8.535833 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 #VALUE! #VALUE!
FEE 31-Dec-98 0 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.842011 351.86358
FEE 31-Dec-95 0 3.762977 0.00000
FEE 31-Dec-96 0 4.732153 0.00000
FEE 31-Dec-97 0 6.021951 0.00000
FEE 31-Dec-98 0 7.587015 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 351.86358 3518.6358
5.000
FORMULA: 1000*(1+T)= 3518.6358 - (0.85 * 1000 * 0.02)
= 3501.635827
T = 28.49%
R = 250.16%
Alliance Growth and Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.804451 262.84998
FEE 31-Dec-95 0 5.057259 0.00000
FEE 31-Dec-96 0 6.142082 0.00000
FEE 31-Dec-97 0 7.742557 0.00000
FEE 31-Dec-98 0 9.160922 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 262.84998 2628.4998
5.000
FORMULA: 1000*(1+T)= 2628.4998 - (0.85 * 1000 * 0.02)
= 2611.499832
T = 21.17%
R = 161.15%
Aim Cap App
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.624251 275.91906
FEE 31-Dec-95 0 4.825360 0.00000
FEE 31-Dec-96 0 5.566369 0.00000
FEE 31-Dec-97 0 6.199215 0.00000
FEE 31-Dec-98 0 7.047426 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 275.91906 2759.1906
5.000
FORMULA: 1000*(1+T)= 2759.1906 - (0.85 * 1000 * 0.02)
= 2742.190623
T = 22.35%
R = 174.22%
Aim Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.220163 310.54325
FEE 31-Dec-95 0 4.258355 0.00000
FEE 31-Dec-96 0 4.933560 0.00000
FEE 31-Dec-97 0 6.141395 0.00000
FEE 31-Dec-98 0 7.536202 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 310.54325 3105.4325
5.000
FORMULA: 1000*(1+T)= 3105.4325 - (0.85 * 1000 * 0.02)
= 3088.432455
T = 25.30%
R = 208.84%
Aim Value
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 3.465490 288.55948
FEE 31-Dec-95 0 4.633112 0.00000
FEE 31-Dec-96 0 5.228339 0.00000
FEE 31-Dec-97 0 6.345216 0.00000
FEE 31-Dec-98 0 7.845890 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 288.55948 2885.5948
5.000
FORMULA: 1000*(1+T)= 2885.5948 - (0.85 * 1000 * 0.02)
= 2868.59476
T = 23.46%
R = 186.86%
Putnam International Growth
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 5.480308 0.00000
FEE 31-Dec-98 0 6.368136 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 2.813469 355.43309
FEE 31-Dec-95 0 3.871702 0.00000
FEE 31-Dec-96 0 4.278641 0.00000
FEE 31-Dec-97 0 5.295387 0.00000
FEE 31-Dec-98 0 6.449579 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 355.43309 3554.3309
5.000
FORMULA: 1000*(1+T)= 3554.3309 - (0.85 * 1000 * 0.02)
= 3537.330879
T = 28.75%
R = 253.73%
Putnam Growth & Income
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 4.585542 218.07673
FEE 31-Dec-95 0 6.132726 0.00000
FEE 31-Dec-96 0 7.314267 0.00000
FEE 31-Dec-97 0 8.883107 0.00000
FEE 31-Dec-98 0 10.044944 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 218.07673 2180.7673
5.000
FORMULA: 1000*(1+T)= 2180.7673 - (0.85 * 1000 * 0.02)
= 2163.76726
T = 16.69%
R = 116.38%
MSDW Mid Cap
30-Dec-94
TO NO. YEARS 5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000.00 #VALUE! #VALUE!
FEE 31-Dec-95 0 #VALUE! #VALUE!
FEE 31-Dec-96 0 #VALUE! #VALUE!
FEE 31-Dec-97 0 7.671064 0.00000
FEE 31-Dec-98 0 8.472423 0.00000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 7.643627 130.82794
FEE 29-Dec-90 0 8.071265 0.00000
FEE 29-Dec-91 0 8.355339 0.00000
FEE 29-Dec-92 0 8.460245 0.00000
FEE 29-Dec-93 0 8.508028 0.00000
FEE 29-Dec-94 0 8.644769 0.00000
FEE 29-Dec-95 0 8.941391 0.00000
FEE 29-Dec-96 0 9.194777 0.00000
FEE 29-Dec-97 0 9.471630 0.00000
FEE 29-Dec-98 0 9.749702 0.00000
FEE 29-Dec-99 0 9.998208 0.00000
RESULTING VALUE 29-Dec-99 9.998208 130.82794 1308.0450
10.000
FORMULA: 1000*(1+T)= 1308.0450 - (0.85 * 1000 * 0)
= 1308.044988
T = 2.72%
R = 30.80%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.583733 179.09165
FEE 29-Dec-90 0 4.045525 0.00000
FEE 29-Dec-91 0 6.132524 0.00000
FEE 29-Dec-92 0 7.205403 0.00000
FEE 29-Dec-93 0 8.720013 0.00000
FEE 29-Dec-94 0 8.348332 0.00000
FEE 29-Dec-95 0 9.400916 0.00000
FEE 29-Dec-96 0 10.283247 0.00000
FEE 29-Dec-97 0 11.266026 0.00000
FEE 29-Dec-98 0 10.334492 0.00000
FEE 29-Dec-99 0 9.987530 0.00000
RESULTING VALUE 29-Dec-99 9.987530 179.09165 1788.6832
10.000
FORMULA: 1000*(1+T)= 1788.6832 - (0.85 * 1000 * 0)
= 1788.68325
T = 5.99%
R = 78.87%
NLIC VAII EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.558048 641.82863
FEE 29-Dec-90 0 1.464613 0.00000
FEE 29-Dec-91 0 2.228227 0.00000
FEE 29-Dec-92 0 2.220081 0.00000
FEE 29-Dec-93 0 2.621731 0.00000
FEE 29-Dec-94 0 2.450455 0.00000
FEE 29-Dec-95 0 3.411391 0.00000
FEE 29-Dec-96 0 3.795081 0.00000
FEE 29-Dec-97 0 4.919271 0.00000
FEE 29-Dec-98 0 6.432556 0.00000
FEE 29-Dec-99 0 9.869947 0.00000
RESULTING VALUE 29-Dec-99 9.869947 641.82863 6334.8148
10.000
FORMULA: 1000*(1+T)= 6334.8148 - (0.85 * 1000 * 0)
= 6334.81476
T = 20.27%
R = 533.48%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.874181 170.23650
FEE 29-Dec-90 0 6.107709 0.00000
FEE 29-Dec-91 0 7.079869 0.00000
FEE 29-Dec-92 0 7.549394 0.00000
FEE 29-Dec-93 0 8.409876 0.00000
FEE 29-Dec-94 0 7.646496 0.00000
FEE 29-Dec-95 0 9.289002 0.00000
FEE 29-Dec-96 0 9.303309 0.00000
FEE 29-Dec-97 0 10.029308 0.00000
FEE 29-Dec-98 0 10.644786 0.00000
FEE 29-Dec-99 0 10.023675 0.00000
RESULTING VALUE 29-Dec-99 10.023675 170.23650 1706.3954
10.000
FORMULA: 1000*(1+T)= 1706.3954 - (0.85 * 1000 * 0)
= 1706.395361
T = 5.49%
R = 70.64%
NLIC VAII STRATEGIST
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.640478 274.68920
FEE 29-Dec-90 0 3.603937 0.00000
FEE 29-Dec-91 0 4.440950 0.00000
FEE 29-Dec-92 0 4.763707 0.00000
FEE 29-Dec-93 0 5.175591 0.00000
FEE 29-Dec-94 0 5.240176 0.00000
FEE 29-Dec-95 0 5.610689 0.00000
FEE 29-Dec-96 0 6.391057 0.00000
FEE 29-Dec-97 0 6.938343 0.00000
FEE 29-Dec-98 0 8.727294 0.00000
FEE 29-Dec-99 0 9.954726 0.00000
RESULTING VALUE 29-Dec-99 9.954726 274.68920 2734.4557
10.000
FORMULA: 1000*(1+T)= 2734.4557 - (0.85 * 1000 * 0)
= 2734.45567
T = 10.58%
R = 173.45%
NLIC VAII DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.337222 0.00000
FEE 29-Dec-91 0 4.100456 0.00000
FEE 29-Dec-92 0 4.433306 0.00000
FEE 29-Dec-93 0 4.996879 0.00000
FEE 29-Dec-94 0 4.712802 0.00000
FEE 29-Dec-95 0 6.275265 0.00000
FEE 29-Dec-96 0 7.733008 0.00000
FEE 29-Dec-97 0 9.204904 0.00000
FEE 29-Dec-98 0 10.532873 0.00000
FEE 29-Dec-99 0 9.909770 0.00000
RESULTING VALUE 29-Dec-99 9.909770 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII UTILITIES
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 3.430339 0.00000
FEE 29-Dec-91 0 3.976556 0.00000
FEE 29-Dec-92 0 4.453456 0.00000
FEE 29-Dec-93 0 5.068487 0.00000
FEE 29-Dec-94 0 4.501448 0.00000
FEE 29-Dec-95 0 5.653772 0.00000
FEE 29-Dec-96 0 6.061113 0.00000
FEE 29-Dec-97 0 7.431127 0.00000
FEE 29-Dec-98 0 9.046108 0.00000
FEE 29-Dec-99 0 9.911548 0.00000
RESULTING VALUE 29-Dec-99 9.911548 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EUROPEAN GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 2.418421 0.00000
FEE 29-Dec-92 0 2.494403 0.00000
FEE 29-Dec-93 0 3.499951 0.00000
FEE 29-Dec-94 0 3.649738 0.00000
FEE 29-Dec-95 0 4.512473 0.00000
FEE 29-Dec-96 0 5.651319 0.00000
FEE 29-Dec-97 0 6.520125 0.00000
FEE 29-Dec-98 0 7.975369 0.00000
FEE 29-Dec-99 0 9.854982 0.00000
RESULTING VALUE 29-Dec-99 9.854982 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 4.217189 0.00000
FEE 29-Dec-92 0 4.296160 0.00000
FEE 29-Dec-93 0 3.927067 0.00000
FEE 29-Dec-94 0 3.788228 0.00000
FEE 29-Dec-95 0 4.919694 0.00000
FEE 29-Dec-96 0 5.387828 0.00000
FEE 29-Dec-97 0 6.292801 0.00000
FEE 29-Dec-98 0 7.492647 0.00000
FEE 29-Dec-99 0 9.900023 0.00000
RESULTING VALUE 29-Dec-99 9.900023 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII PACIFIC GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 10.910942 0.00000
FEE 29-Dec-95 0 11.315660 0.00000
FEE 29-Dec-96 0 11.425942 0.00000
FEE 29-Dec-97 0 6.923542 0.00000
FEE 29-Dec-98 0 6.092242 0.00000
FEE 29-Dec-99 0 9.883233 0.00000
RESULTING VALUE 29-Dec-99 9.883233 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 5.351773 0.00000
FEE 29-Dec-95 0 6.411997 0.00000
FEE 29-Dec-96 0 7.381978 0.00000
FEE 29-Dec-97 0 8.006854 0.00000
FEE 29-Dec-98 0 8.887061 0.00000
FEE 29-Dec-99 0 9.906644 0.00000
RESULTING VALUE 29-Dec-99 9.906644 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL APPRECIATION
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 10.769665 0.00000
FEE 29-Dec-98 0 10.066025 0.00000
FEE 29-Dec-99 0 10.840987 0.00000
RESULTING VALUE 29-Dec-99 10.840987 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 9.326341 0.00000
FEE 29-Dec-98 0 9.477773 0.00000
FEE 29-Dec-99 0 9.849634 0.00000
RESULTING VALUE 29-Dec-99 9.849634 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 6.118414 0.00000
FEE 29-Dec-98 0 7.332480 0.00000
FEE 29-Dec-99 0 9.956857 0.00000
RESULTING VALUE 29-Dec-99 9.956857 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 7.636511 0.00000
FEE 29-Dec-98 0 8.147571 0.00000
FEE 29-Dec-99 0 9.878766 0.00000
RESULTING VALUE 29-Dec-99 9.878766 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 7.226745 0.00000
FEE 29-Dec-97 0 7.025576 0.00000
FEE 29-Dec-98 0 5.218546 0.00000
FEE 29-Dec-99 0 9.885551 0.00000
RESULTING VALUE 29-Dec-99 9.885551 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 2.759538 0.00000
FEE 29-Dec-96 0 3.141720 0.00000
FEE 29-Dec-97 0 3.566656 0.00000
FEE 29-Dec-98 0 4.917765 0.00000
FEE 29-Dec-99 0 9.862716 0.00000
RESULTING VALUE 29-Dec-99 9.862716 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 11.969187 0.00000
FEE 29-Dec-98 0 10.201856 0.00000
FEE 29-Dec-99 0 9.935305 0.00000
RESULTING VALUE 29-Dec-99 9.935305 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.128384 0.00000
FEE 29-Dec-99 0 9.968836 0.00000
RESULTING VALUE 29-Dec-99 9.968836 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 8.612929 0.00000
FEE 29-Dec-99 0 9.963942 0.00000
RESULTING VALUE 29-Dec-99 9.963942 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 9.884480 0.00000
RESULTING VALUE 29-Dec-99 9.884480 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 #VALUE! #VALUE!
FEE 29-Dec-90 0 #VALUE! #VALUE!
FEE 29-Dec-91 0 #VALUE! #VALUE!
FEE 29-Dec-92 0 #VALUE! #VALUE!
FEE 29-Dec-93 0 #VALUE! #VALUE!
FEE 29-Dec-94 0 #VALUE! #VALUE!
FEE 29-Dec-95 0 #VALUE! #VALUE!
FEE 29-Dec-96 0 #VALUE! #VALUE!
FEE 29-Dec-97 0 #VALUE! #VALUE!
FEE 29-Dec-98 0 #VALUE! #VALUE!
FEE 29-Dec-99 0 10.005776 0.00000
RESULTING VALUE 29-Dec-99 10.005776 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.658054 603.11667
FEE 29-Dec-90 0 1.575246 0.00000
FEE 29-Dec-91 0 2.182601 0.00000
FEE 29-Dec-92 0 2.418499 0.00000
FEE 29-Dec-93 0 2.827787 0.00000
FEE 29-Dec-94 0 2.811273 0.00000
FEE 29-Dec-95 0 3.872169 0.00000
FEE 29-Dec-96 0 4.287564 0.00000
FEE 29-Dec-97 0 5.138817 0.00000
FEE 29-Dec-98 0 6.341826 0.00000
FEE 29-Dec-99 0 9.875473 0.00000
RESULTING VALUE 29-Dec-99 9.875473 603.11667 5956.0626
10.000
FORMULA: 1000*(1+T)= 5956.0626 - (0.85 * 1000 * 0)
= 5956.062551
T = 19.54%
R = 495.61%
Putnam Growth & Income
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 3.351316 298.39024
FEE 29-Dec-90 0 3.337954 0.00000
FEE 29-Dec-91 0 3.827218 0.00000
FEE 29-Dec-92 0 4.168998 0.00000
FEE 29-Dec-93 0 4.687945 0.00000
FEE 29-Dec-94 0 4.586095 0.00000
FEE 29-Dec-95 0 6.133465 0.00000
FEE 29-Dec-96 0 7.432209 0.00000
FEE 29-Dec-97 0 8.733591 0.00000
FEE 29-Dec-98 0 10.143835 0.00000
FEE 29-Dec-99 0 9.952435 0.00000
RESULTING VALUE 29-Dec-99 9.952435 298.39024 2969.7096
10.000
FORMULA: 1000*(1+T)= 2969.7096 - (0.85 * 1000 * 0)
= 2969.709575
T = 11.50%
R = 196.97%
NLIC VAII MONEY MARKET
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 5.834160 171.40429
1 FEE 09-Mar-85 0 6.031626 0.00000 0.06
2 FEE 09-Mar-86 0 6.356900 0.00000 0.05
3 FEE 09-Mar-87 0 6.600569 0.00000 0.05
4 09-Mar-88 0 6.880534 0.00000 0.04
5 09-Mar-89 0 7.247520 0.00000 0.03
6 09-Mar-90 0 7.726487 0.00000 0.02
7 09-Mar-91 0 8.140925 0.00000 0
8 09-Mar-92 0 8.387275 0.00000 0
9 09-Mar-93 0 8.471674 0.00000 0
10 09-Mar-94 0 8.517730 0.00000 0
11 09-Mar-95 0 8.701769 0.00000 0
12 09-Mar-96 0 8.991302 0.00000 0
13 09-Mar-97 0 9.244248 0.00000 0
14 FEE 09-Mar-98 0 9.526127 0.00000 0
15 FEE 09-Mar-99 0 9.795020 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 171.40429 1714.0429
15.811
FORMULA: 1000*(1+T)= 1714.0429
= 1714.042873
T = 3.47%
R = 71.40%
NLIC VAII HIGH YIELD
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 4.135759 241.79361
1 FEE 09-Mar-85 0 4.598794 0.00000 0.06
2 FEE 09-Mar-86 0 5.789588 0.00000 0.05
3 FEE 09-Mar-87 0 6.776922 0.00000 0.05
4 09-Mar-88 0 6.391741 0.00000 0.04
5 09-Mar-89 0 6.770435 0.00000 0.03
6 09-Mar-90 0 5.255675 0.00000 0.02
7 09-Mar-91 0 4.750201 0.00000 0
8 09-Mar-92 0 7.150300 0.00000 0
9 09-Mar-93 0 7.734779 0.00000 0
10 09-Mar-94 0 9.015040 0.00000 0
11 09-Mar-95 0 8.473950 0.00000 0
12 09-Mar-96 0 9.613854 0.00000 0
13 09-Mar-97 0 10.296054 0.00000 0
14 FEE 09-Mar-98 0 11.452443 0.00000 0
15 FEE 09-Mar-99 0 10.211912 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 241.79361 2417.9361
15.811
FORMULA: 1000*(1+T)= 2417.9361
= 2417.936054
T = 5.74%
R = 141.79%
NLIC VAII EQUITY
09-Mar-84
TO NO. YEARS 15.811
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 09-Mar-84 1000.00 0.911419 1097.19066
1 FEE 09-Mar-85 0 1.033445 0.00000 0.06
2 FEE 09-Mar-86 0 1.312828 0.00000 0.05
3 FEE 09-Mar-87 0 1.617376 0.00000 0.05
4 09-Mar-88 0 1.378225 0.00000 0.04
5 09-Mar-89 0 1.403266 0.00000 0.03
6 09-Mar-90 0 1.500081 0.00000 0.02
7 09-Mar-91 0 1.741992 0.00000 0
8 09-Mar-92 0 2.121945 0.00000 0
9 09-Mar-93 0 2.360468 0.00000 0
10 09-Mar-94 0 2.738276 0.00000 0
11 09-Mar-95 0 2.527091 0.00000 0
12 09-Mar-96 0 3.417423 0.00000 0
13 09-Mar-97 0 4.042434 0.00000 0
14 FEE 09-Mar-98 0 5.366854 0.00000 0
15 FEE 09-Mar-99 0 7.008769 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 1097.19066 10971.9066
15.811
FORMULA: 1000*(1+T)= 10971.9066
= 10971.90656
T = 16.36%
R = 997.19%
NLIC VAII QUALITY INCOME
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 5.252270 0.00000 0.06
2 FEE 01-Mar-89 0 5.315708 0.00000 0.05
3 FEE 01-Mar-90 0 5.729496 0.00000 0.05
4 01-Mar-91 0 6.281378 0.00000 0.04
5 01-Mar-92 0 7.052671 0.00000 0.03
6 01-Mar-93 0 7.941029 0.00000 0.02
7 01-Mar-94 0 8.158989 0.00000 0
8 01-Mar-95 0 8.003152 0.00000 0
9 01-Mar-96 0 9.066819 0.00000 0
10 01-Mar-97 0 9.242444 0.00000 0
11 01-Mar-98 0 10.108464 0.00000 0
12 01-Mar-99 0 10.352202 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII STRATEGIST
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0 3.267414 0.00000 0.06
2 FEE 01-Mar-89 0 3.387964 0.00000 0.05
3 FEE 01-Mar-90 0 3.628057 0.00000 0.05
4 01-Mar-91 0 4.033799 0.00000 0.04
5 01-Mar-92 0 4.575893 0.00000 0.03
6 01-Mar-93 0 4.874749 0.00000 0.02
7 01-Mar-94 0 5.192041 0.00000 0
8 01-Mar-95 0 5.281081 0.00000 0
9 01-Mar-96 0 5.774202 0.00000 0
10 01-Mar-97 0 6.546086 0.00000 0
11 01-Mar-98 0 7.502519 0.00000 0
12 01-Mar-99 0 8.785361 0.00000 0
13 31-Dec-99 0 10.000000 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.701378 270.16968
1 FEE 01-Mar-91 0 3.780731 0.00000 0.06
2 FEE 01-Mar-92 0 4.208252 0.00000 0.05
3 FEE 01-Mar-93 0 4.585212 0.00000 0.05
4 01-Mar-94 0 4.892701 0.00000 0.04
5 01-Mar-95 0 4.998077 0.00000 0.03
6 01-Mar-96 0 6.645123 0.00000 0.02
7 01-Mar-97 0 7.887306 0.00000 0
8 01-Mar-98 0 9.931551 0.00000 0
9 01-Mar-99 0 10.228025 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 270.16968 2701.6968
9.834
FORMULA: 1000*(1+T)= 2701.6968
= 2701.696828
T = 10.63%
R = 170.17%
NLIC VAII UTILITIES
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.334211 299.92104
1 FEE 01-Mar-91 0 3.529725 0.00000 0.06
2 FEE 01-Mar-92 0 3.887875 0.00000 0.05
3 FEE 01-Mar-93 0 4.780845 0.00000 0.05
4 01-Mar-94 0 4.782452 0.00000 0.04
5 01-Mar-95 0 4.660487 0.00000 0.03
6 01-Mar-96 0 5.682763 0.00000 0.02
7 01-Mar-97 0 6.062626 0.00000 0
8 01-Mar-98 0 7.682568 0.00000 0
9 01-Mar-99 0 8.722382 0.00000 0
10 31-Dec-99 0 10.000000 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 299.92104 2999.2104
9.834
FORMULA: 1000*(1+T)= 2999.2104
= 2999.210412
T = 11.82%
R = 199.92%
NLIC VAII EUROPEAN GROWTH
01-Mar-91
TO NO. YEARS 8.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-91 1000.00 2.471592 404.59752
1 FEE 01-Mar-92 0 2.527107 0.00000 0.06
2 FEE 01-Mar-93 0 2.613475 0.00000 0.05
3 FEE 01-Mar-94 0 3.565686 0.00000 0.05
4 01-Mar-95 0 3.750766 0.00000 0.04
5 01-Mar-96 0 4.734323 0.00000 0.03
6 01-Mar-97 0 5.755117 0.00000 0.02
7 01-Mar-98 0 7.355946 0.00000 0
8 01-Mar-99 0 7.766456 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 404.59752 4045.9752
8.835
FORMULA: 1000*(1+T)= 4045.9752
= 4045.975234
T = 17.14%
R = 304.60%
NLIC VAII CAPITAL GROWTH
01-Mar-91
TO NO. YEARS 8.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-91 1000.00 3.426498 291.84315
1 FEE 01-Mar-92 0 4.127364 0.00000 0.06
2 FEE 01-Mar-93 0 3.993993 0.00000 0.05
3 FEE 01-Mar-94 0 3.929404 0.00000 0.05
4 01-Mar-95 0 4.032928 0.00000 0.04
5 01-Mar-96 0 5.181719 0.00000 0.03
6 01-Mar-97 0 5.515731 0.00000 0.02
7 01-Mar-98 0 7.069674 0.00000 0
8 01-Mar-99 0 7.600473 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 291.84315 2918.4315
8.835
FORMULA: 1000*(1+T)= 2918.4315
= 2918.431512
T = 12.89%
R = 191.84%
NLIC VAII PACIFIC GROWTH
22-Feb-94
TO NO. YEARS 5.854
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 22-Feb-94 1000.00 11.939250 83.75735
1 FEE 22-Feb-95 0 10.218356 0.00000 0.06
2 FEE 22-Feb-96 0 12.221104 0.00000 0.05
3 FEE 22-Feb-97 0 11.607108 0.00000 0.05
4 22-Feb-98 0 7.039129 0.00000 0.04
5 22-Feb-99 0 5.917730 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 83.75735 837.5735
5.854
FORMULA: 1000*(1+T)= 837.5735
= 820.5735299
T = -3.32%
R = -17.94%
NLIC VAII GLOBAL DIVIDEND GROWTH
24-Feb-94
TO NO. YEARS 5.848
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Feb-94 1000.00 5.451907 183.42204
1 FEE 24-Feb-95 0 5.390468 0.00000 0.06
2 FEE 24-Feb-96 0 6.620763 0.00000 0.05
3 FEE 24-Feb-97 0 7.449890 0.00000 0.05
4 24-Feb-98 0 8.430716 0.00000 0.04
5 24-Feb-99 0 8.689966 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 183.42204 1834.2204
5.848
FORMULA: 1000*(1+T)= 1834.2204
= 1817.220438
T = 10.75%
R = 81.72%
NLIC VAII CAPITAL APPRECIATION
21-Jan-97
TO NO. YEARS 2.940
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 21-Jan-97 1000.00 10.000000 100.00000
1 FEE 21-Jan-98 0 10.937002 0.00000 0.06
2 FEE 21-Jan-99 0 10.535104 0.00000 0.05
3 FEE 31-Dec-99 0 10.840987 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.840987 100.00000 1084.0987
2.940
FORMULA: 1000*(1+T)= 1084.0987
= 1041.5987
T = 1.40%
R = 4.16%
NLIC VAII INCOME BUILDER
21-Jan-97
TO NO. YEARS 2.940
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 21-Jan-97 1000.00 7.877021 126.95155
1 FEE 21-Jan-98 0 9.419240 0.00000 0.06
2 FEE 21-Jan-99 0 9.622913 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 126.95155 1269.5155
2.940
FORMULA: 1000*(1+T)= 1269.5155
= 1227.015456
T = 7.21%
R = 22.70%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.818262 207.54370
1 FEE 02-Jan-98 0 6.259808 0.00000 0.06
2 FEE 02-Jan-99 0 7.292367 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 207.54370 2075.4370
2.992
FORMULA: 1000*(1+T)= 2075.4370
= 2032.93698
T = 26.76%
R = 103.29%
NLIC VAII INTERNATIONAL MAGNUM
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 7.311296 136.77466
1 FEE 02-Jan-98 0 7.708697 0.00000 0.06
2 FEE 02-Jan-99 0 8.276943 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.77466 1367.7466
2.992
FORMULA: 1000*(1+T)= 1367.7466
= 1325.24663
T = 9.87%
R = 32.52%
NLIC VAII EMERGING MARKETS
01-Oct-96
TO NO. YEARS 3.247
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Oct-96 1000.00 7.442422 134.36487
1 FEE 01-Oct-97 0 8.799449 0.00000 0.06
2 FEE 01-Oct-98 0 4.444547 0.00000 0.05
3 FEE 01-Oct-99 0 6.719200 0.00000 0.05
4 31-Dec-99 0 10.000000 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 134.36487 1343.6487
3.247
FORMULA: 1000*(1+T)= 1343.6487
= 1309.64868
T = 8.66%
R = 30.96%
NLIC VAII EMERGING GROWTH
03-Jul-95
TO NO. YEARS 4.496
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-Jul-95 1000.00 2.381523 419.89945
1 FEE 03-Jul-96 0 3.200251 0.00000 0.06
2 FEE 03-Jul-97 0 3.469851 0.00000 0.05
3 FEE 03-Jul-98 0 4.509934 0.00000 0.05
4 03-Jul-99 0 6.182975 0.00000 0.04
5 31-Dec-99 0 10.000000 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 419.89945 4198.9945
4.496
FORMULA: 1000*(1+T)= 4198.9945
= 4173.494486
T = 37.41%
R = 317.35%
NLIC VAII REAL ESTATE
04-Mar-97
TO NO. YEARS 2.825
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 04-Mar-97 1000.00 10.500294 95.23543
1 FEE 04-Mar-98 0 11.870308 0.00000 0.06
2 FEE 04-Mar-99 0 9.973126 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 95.23543 952.3543
2.825
FORMULA: 1000*(1+T)= 952.3543
= 909.8542839
T = -3.29%
R = -9.01%
NLIC VAII COMPETITIVE EDGE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 8.370716 119.46409
1 FEE 18-May-99 0 8.405811 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 119.46409 1194.6409
1.621
FORMULA: 1000*(1+T)= 1194.6409
= 1152.140935
T = 9.13%
R = 15.21%
NLIC VAII S&P 500 INDEX
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 7.710025 129.70127
1 FEE 18-May-99 0 9.206422 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 129.70127 1297.0127
1.621
FORMULA: 1000*(1+T)= 1297.0127
= 1254.512726
T = 15.02%
R = 25.45%
NLIC VAII AGGRESSIVE EQUITY
03-May-99
TO NO. YEARS 0.663
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-May-99 1000.00 6.943804 144.01328
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 144.01328 1440.1328
0.663
FORMULA: 1000*(1+T)= 1440.1328
= 1389.132819
T = 64.23%
R = 38.91%
NLIC VAII SHORT TERM BOND
03-May-99
TO NO. YEARS 0.663
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 03-May-99 1000.00 9.988150 100.11864
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 100.11864 1001.1864
0.663
FORMULA: 1000*(1+T)= 1001.1864
= 950.1863728
T = -7.42%
R = -4.98%
Alliance Premier Growth
14-Jul-99
TO NO. YEARS 0.465
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 14-Jul-99 1000.00 8.920123 112.10608
1 FEE 31-Dec-99 0 10.000000 0.00000 0.06
2 FEE N/A 0 N/A 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 112.10608 1121.0608
0.465
FORMULA: 1000*(1+T)= 1121.0608
= 1070.060779
T = 15.66%
R = 7.01%
Alliance Growth
15-Sep-94
TO NO. YEARS 5.292
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 15-Sep-94 1000.00 2.715800 368.21559
1 FEE 15-Sep-95 0 3.630172 0.00000 0.06
2 FEE 15-Sep-96 0 4.193285 0.00000 0.05
3 FEE 15-Sep-97 0 5.676188 0.00000 0.05
4 15-Sep-98 0 5.936994 0.00000 0.04
5 15-Sep-99 0 8.163748 0.00000 0.03
6 31-Dec-99 0 10.000000 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 368.21559 3682.1559
5.292
FORMULA: 1000*(1+T)= 3682.1559
= 3665.155896
T = 27.82%
R = 266.52%
Alliance Growth and Income
14-Jan-91
TO NO. YEARS 8.961
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 14-Jan-91 1000.00 3.330959 300.21389
1 FEE 14-Jan-92 0 3.377139 0.00000 0.06
2 FEE 14-Jan-93 0 3.567862 0.00000 0.05
3 FEE 14-Jan-94 0 3.900880 0.00000 0.05
4 14-Jan-95 0 3.804451 0.00000 0.04
5 14-Jan-96 0 4.902684 0.00000 0.03
6 14-Jan-97 0 6.286711 0.00000 0.02
7 14-Jan-98 0 7.561488 0.00000 0
8 14-Jan-99 0 9.015056 0.00000 0
9 31-Dec-99 0 10.000000 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 300.21389 3002.1389
8.961
FORMULA: 1000*(1+T)= 3002.1389
= 3002.138872
T = 13.05%
R = 200.21%
Aim Cap App
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.053644 327.47759
1 FEE 05-May-94 0 3.583225 0.00000 0.06
2 FEE 05-May-95 0 3.975383 0.00000 0.05
3 FEE 05-May-96 0 5.352982 0.00000 0.05
4 05-May-97 0 5.584315 0.00000 0.04
5 05-May-98 0 7.014235 0.00000 0.03
6 05-May-99 0 7.224068 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 327.47759 3274.7759
6.656
FORMULA: 1000*(1+T)= 3274.7759
= 3274.775866
T = 19.51%
R = 227.48%
Aim Growth
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 3.079142 324.76581
1 FEE 05-May-94 0 3.219327 0.00000 0.06
2 FEE 05-May-95 0 3.581112 0.00000 0.05
3 FEE 05-May-96 0 4.500149 0.00000 0.05
4 05-May-97 0 5.272584 0.00000 0.04
5 05-May-98 0 7.064711 0.00000 0.03
6 05-May-99 0 8.024849 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 324.76581 3247.6581
6.656
FORMULA: 1000*(1+T)= 3247.6581
= 3247.658097
T = 19.36%
R = 224.77%
Aim Value
05-May-93
TO NO. YEARS 6.656
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 05-May-93 1000.00 2.993718 334.03280
1 FEE 05-May-94 0 3.461048 0.00000 0.06
2 FEE 05-May-95 0 3.893952 0.00000 0.05
3 FEE 05-May-96 0 4.668624 0.00000 0.05
4 05-May-97 0 5.589679 0.00000 0.04
5 05-May-98 0 7.154548 0.00000 0.03
6 05-May-99 0 8.519722 0.00000 0.02
7 31-Dec-99 0 10.000000 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 334.03280 3340.3280
6.656
FORMULA: 1000*(1+T)= 3340.3280
= 3340.328039
T = 19.87%
R = 234.03%
Putnam International Growth
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.823675 207.31080
1 FEE 02-Jan-98 0 5.508415 0.00000 0.06
2 FEE 02-Jan-99 0 6.368136 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 207.31080 2073.1080
2.992
FORMULA: 1000*(1+T)= 2073.1080
= 2030.60797
T = 26.71%
R = 103.06%
Putnam Voyager
01-Feb-88
TO NO. YEARS 11.912
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Feb-88 1000.00 1.268113 788.57299
1 FEE 01-Feb-89 0 1.357116 0.00000 0.06
2 FEE 01-Feb-90 0 1.471357 0.00000 0.05
3 FEE 01-Feb-91 0 1.691683 0.00000 0.05
4 01-Feb-92 0 2.271504 0.00000 0.04
5 01-Feb-93 0 2.468318 0.00000 0.03
6 01-Feb-94 0 2.901868 0.00000 0.02
7 01-Feb-95 0 2.835873 0.00000 0
8 01-Feb-96 0 3.933944 0.00000 0
9 01-Feb-97 0 4.462333 0.00000 0
10 01-Feb-98 0 5.274692 0.00000 0
11 01-Feb-99 0 6.735437 0.00000 0
12 31-Dec-99 0 10.000000 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 788.57299 7885.7299
11.912
FORMULA: 1000*(1+T)= 7885.7299
= 7885.729949
T = 18.93%
R = 688.57%
Putnam Growth & Income
01-Feb-88
TO NO. YEARS 11.912
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Feb-88 1000.00 2.400862 416.51702
1 FEE 01-Feb-89 0 2.968683 0.00000 0.06
2 FEE 01-Feb-90 0 3.214754 0.00000 0.05
3 FEE 01-Feb-91 0 3.461786 0.00000 0.05
4 01-Feb-92 0 3.902809 0.00000 0.04
5 01-Feb-93 0 4.228548 0.00000 0.03
6 01-Feb-94 0 4.793707 0.00000 0.02
7 01-Feb-95 0 4.690854 0.00000 0
8 01-Feb-96 0 6.280607 0.00000 0
9 01-Feb-97 0 7.609769 0.00000 0
10 01-Feb-98 0 8.897865 0.00000 0
11 01-Feb-99 0 10.094503 0.00000 0
12 31-Dec-99 0 10.000000 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 416.51702 4165.1702
11.912
FORMULA: 1000*(1+T)= 4165.1702
= 4165.170195
T = 12.72%
R = 316.52%
MSDW Mid Cap
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 5.560693 179.83371
1 FEE 02-Jan-98 0 7.635606 0.00000 0.06
2 FEE 02-Jan-99 0 8.432041 0.00000 0.05
3 FEE 31-Dec-99 0 10.000000 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 179.83371 1798.3371
2.992
FORMULA: 1000*(1+T)= 1798.3371
= 1755.837057
T = 20.70%
R = 75.58%
<PAGE>
Standardized (WITH THE ENHANCED EARNINGS DEATH BENEFIT OPTION AND THE INCOME AND
DEATH BENEFIT COMBINATION OPTION 2)
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.341412 136.21357
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.21357 1362.1357
1.000
FORMULA: 1000*(1+T)= 1362.1357 - (0.85 * 1000 * 0.05)
= 1319.6357
T = 31.96%
R = 31.96%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.177471 122.28720
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.28720 1222.8720
1.000
FORMULA: 1000*(1+T)= 1222.8720 - (0.85 * 1000 * 0.05)
= 1180.3720
T = 18.04%
R = 18.04%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.257925 190.18909
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.18909 1901.8909
1.000
FORMULA: 1000*(1+T)= 1901.8909 - (0.85 * 1000 * 0.05)
= 1859.3909
T = 85.94%
R = 85.94%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.008939 199.64307
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 199.64307 1996.4307
1.000
FORMULA: 1000*(1+T)= 1996.4307 - (0.85 * 1000 * 0.05)
= 1953.9307
T = 95.39%
R = 95.39%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.390732 96.23961
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.23961 962.3961
1.000
FORMULA: 1000*(1+T)= 962.3961 - (0.85 * 1000 * 0.05)
= 919.8961
T = -8.01%
R = -8.01%
NLIC VAII EQUITY GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.323432 136.54800
1 FEE 16-Mar-99 0 7.872287 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 136.54800 1365.4800
1.793
FORMULA: 1000*(1+T)= 1365.4800
= 1322.980042
T = 16.89%
R = 32.30%
NLIC VAII INTERNATIONAL MAGNUM
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 8.449939 118.34405
1 FEE 16-Mar-99 0 8.196061 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 118.34405 1183.4405
1.793
FORMULA: 1000*(1+T)= 1183.4405
= 1140.940472
T = 7.63%
R = 14.09%
NLIC VAII EMERGING MARKETS
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 7.500991 133.31571
1 FEE 16-Mar-99 0 5.777294 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 133.31571 1333.1571
1.793
FORMULA: 1000*(1+T)= 1333.1571
= 1290.657102
T = 15.29%
R = 29.07%
NLIC VAII EMERGING GROWTH
16-Mar-98
TO NO. YEARS 1.793
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 16-Mar-98 1000.00 4.208309 237.62514
1 FEE 16-Mar-99 0 5.535880 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 237.62514 2376.2514
1.793
FORMULA: 1000*(1+T)= 2376.2514
= 2333.751428
T = 60.41%
R = 133.38%
NLIC VAII REAL ESTATE
18-May-98
TO NO. YEARS 1.621
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 18-May-98 1000.00 11.813896 84.64608
1 FEE 18-May-99 0 11.139682 0.00000 0.06
2 FEE 31-Dec-99 0 10.000000 0.00000 0.05
3 FEE N/A 0 N/A 0.00000 0.05
4 N/A 0 N/A 0.00000 0.04
5 N/A 0 N/A 0.00000 0.03
6 N/A 0 N/A 0.00000 0.02
7 N/A 0 N/A 0.00000 0
8 N/A 0 N/A 0.00000 0
9 N/A 0 N/A 0.00000 0
10 N/A 0 N/A 0.00000 0
11 N/A 0 N/A 0.00000 0
12 N/A 0 N/A 0.00000 0
13 N/A 0 N/A 0.00000 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VALUE 31-Dec-99 10.000000 84.64608 846.4608
1.621
FORMULA: 1000*(1+T)= 846.4608
= 803.9607847
T = -12.60%
R = -19.60%
<PAGE>
Non-Standardized
Non-Standardized Calculations
Dates:
Current: 12/31/99
3 Months Ago: 09/30/99
End of Last Year: 12/31/98
One Yr Ago: 12/31/98
Two Yrs Ago: 12/31/97
Three Yrs Ago: 12/31/96
Five Yrs Ago: 12/31/94
Ten Yrs Ago: 12/31/89
Inception Inception Ten Yr Five Yr Three Two One Yr YTD 3 Months Today's
Fund Date AUV AUV AUV AUV AUV AUV AUV AUV AUV
Emerging Growth 03/16/98 4.208308887 N/A N/A N/A N/A 5.008939278 5.008939278 6.26432657 10
Emerging Markets 03/16/98 7.50099143 N/A N/A N/A N/A 5.257925068 5.257925068 6.730229729 10
Equity Growth 03/16/98 7.323431825 N/A N/A N/A N/A 7.34141235 7.34141235 8.257586498 10
International Magnum 03/16/98 8.449939173 N/A N/A N/A N/A 8.177470956 8.177470956 8.971937329 10
Real Estate 05/18/98 11.81389638 N/A N/A N/A N/A 10.39073212 10.39073212 10.16056613 10
Non-Standardized Performance
Inception Ten Years Five Years Three Years Two Years One Year YTD Three Months
Total Average Total Average Total Average Total Average Total Average
137.63% 61.98% N/A N/A N/A N/A N/A N/A N/A N/A 99.64% 99.64% 59.63%
33.32% 17.38% N/A N/A N/A N/A N/A N/A N/A N/A 90.19% 90.19% 48.58%
36.55% 18.96% N/A N/A N/A N/A N/A N/A N/A N/A 36.21% 36.21% 21.10%
18.34% 9.84% N/A N/A N/A N/A N/A N/A N/A N/A 22.29% 22.29% 11.46%
-15.35% -9.77% N/A N/A N/A N/A N/A N/A N/A N/A -3.76% -3.76% -1.58%
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. YEARS 1.000
TO
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.770578 102.34809
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 102.34809 1023.4809
1.000
FORMULA: 1000*(1+T)= 1023.4809 - (0.85 * 1000 * 0.05)
= 980.9809
T = -1.90%
R = -1.90%
NLIC VAII HIGH YIELD
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.375944 96.37678
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.37678 963.7678
1.000
FORMULA: 1000*(1+T)= 963.7678 - (0.85 * 1000 * 0.05)
= 921.2678
T = -7.87%
R = -7.87%
NLIC VAII EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.455161 154.91480
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 154.91480 1549.1480
1.000
FORMULA: 1000*(1+T)= 1549.1480 - (0.85 * 1000 * 0.05)
= 1506.6480
T = 50.66%
R = 50.66%
NLIC VAII QUALITY INCOME
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.699633 93.46115
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 93.46115 934.6115
1.000
FORMULA: 1000*(1+T)= 934.6115 - (0.85 * 1000 * 0.05)
= 892.1115
T = -10.79%
R = -10.79%
NLIC VAII STRATEGIST
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.723952 114.62695
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 114.62695 1146.2695
1.000
FORMULA: 1000*(1+T)= 1146.2695 - (0.85 * 1000 * 0.05)
= 1103.7695
T = 10.38%
R = 10.38%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.488583 95.34176
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 95.34176 953.4176
1.000
FORMULA: 1000*(1+T)= 953.4176 - (0.85 * 1000 * 0.05)
= 910.9176
T = -8.91%
R = -8.91%
NLIC VAII UTILITIES
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.082781 110.09844
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 110.09844 1100.9844
1.000
FORMULA: 1000*(1+T)= 1100.9844 - (0.85 * 1000 * 0.05)
= 1058.4844
T = 5.85%
R = 5.85%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.929105 126.11763
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 126.11763 1261.1763
1.000
FORMULA: 1000*(1+T)= 1261.1763 - (0.85 * 1000 * 0.05)
= 1218.6763
T = 21.87%
R = 21.87%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.680272 130.20372
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 130.20372 1302.0372
1.000
FORMULA: 1000*(1+T)= 1302.0372 - (0.85 * 1000 * 0.05)
= 1259.5372
T = 25.95%
R = 25.95%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.163538 162.24447
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 162.24447 1622.4447
1.000
FORMULA: 1000*(1+T)= 1622.4447 - (0.85 * 1000 * 0.05)
= 1579.9447
T = 57.99%
R = 57.99%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.929295 111.99093
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 111.99093 1119.9093
1.000
FORMULA: 1000*(1+T)= 1119.9093 - (0.85 * 1000 * 0.05)
= 1077.4093
T = 7.74%
R = 7.74%
NLIC VAII CAPITAL APPRECIATION
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.123843 98.77672
FEE 31-Dec-99 0 10.840987 0.00000
RESULTING VALUE 31-Dec-99 10.840987 98.77672 1070.8371
1.000
FORMULA: 1000*(1+T)= 1070.8371 - (0.85 * 1000 * 0.05)
= 1028.3371
T = 2.83%
R = 2.83%
NLIC VAII INCOME BUILDER
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.562306 104.57728
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 104.57728 1045.7728
1.000
FORMULA: 1000*(1+T)= 1045.7728 - (0.85 * 1000 * 0.05)
= 1003.2728
T = 0.33%
R = 0.33%
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.341412 136.21357
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 136.21357 1362.1357
1.000
FORMULA: 1000*(1+T)= 1362.1357 - (0.85 * 1000 * 0.05)
= 1319.6357
T = 31.96%
R = 31.96%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.177471 122.28720
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 122.28720 1222.8720
1.000
FORMULA: 1000*(1+T)= 1222.8720 - (0.85 * 1000 * 0.05)
= 1180.3720
T = 18.04%
R = 18.04%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.257925 190.18909
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 190.18909 1901.8909
1.000
FORMULA: 1000*(1+T)= 1901.8909 - (0.85 * 1000 * 0.05)
= 1859.3909
T = 85.94%
R = 85.94%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 5.008939 199.64307
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 199.64307 1996.4307
1.000
FORMULA: 1000*(1+T)= 1996.4307 - (0.85 * 1000 * 0.05)
= 1953.9307
T = 95.39%
R = 95.39%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.390732 96.23961
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 96.23961 962.3961
1.000
FORMULA: 1000*(1+T)= 962.3961 - (0.85 * 1000 * 0.05)
= 919.8961
T = -8.01%
R = -8.01%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.118852 123.17012
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 123.17012 1231.7012
1.000
FORMULA: 1000*(1+T)= 1231.7012 - (0.85 * 1000 * 0.05)
= 1189.2012
T = 18.92%
R = 18.92%
NLIC VAII S&P 500 INDEX
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.552907 116.91931
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 116.91931 1169.1931
1.000
FORMULA: 1000*(1+T)= 1169.1931 - (0.85 * 1000 * 0.05)
= 1126.6931
T = 12.67%
R = 12.67%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 #VALUE! #VALUE!
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.602194 131.54098
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 131.54098 1315.4098
1.000
FORMULA: 1000*(1+T)= 1315.4098 - (0.85 * 1000 * 0.05)
= 1272.9098
T = 27.29%
R = 27.29%
Alliance Growth and Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 9.179259 108.94126
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 108.94126 1089.4126
1.000
FORMULA: 1000*(1+T)= 1089.4126 - (0.85 * 1000 * 0.05)
= 1046.9126
T = 4.69%
R = 4.69%
Aim Cap App
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.061518 141.61261
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 141.61261 1416.1261
1.000
FORMULA: 1000*(1+T)= 1416.1261 - (0.85 * 1000 * 0.05)
= 1373.6261
T = 37.36%
R = 37.36%
Aim Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.551272 132.42802
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 132.42802 1324.2802
1.000
FORMULA: 1000*(1+T)= 1324.2802 - (0.85 * 1000 * 0.05)
= 1281.7802
T = 28.18%
R = 28.18%
Aim Value
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.861581 127.20088
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 127.20088 1272.0088
1.000
FORMULA: 1000*(1+T)= 1272.0088 - (0.85 * 1000 * 0.05)
= 1229.5088
T = 22.95%
R = 22.95%
Putnam International Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.380828 156.71948
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 156.71948 1567.1948
1.000
FORMULA: 1000*(1+T)= 1567.1948 - (0.85 * 1000 * 0.05)
= 1524.6948
T = 52.47%
R = 52.47%
Putnam Voyager
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.462453 154.74000
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 154.74000 1547.4000
1.000
FORMULA: 1000*(1+T)= 1547.4000 - (0.85 * 1000 * 0.05)
= 1504.9000
T = 50.49%
R = 50.49%
Putnam Growth & Income
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 10.065069 99.35352
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 99.35352 993.5352
1.000
FORMULA: 1000*(1+T)= 993.5352 - (0.85 * 1000 * 0.05)
= 951.0352
T = -4.90%
R = -4.90%
MSDW Mid Cap
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.489381 117.79422
FEE 31-Dec-99 0 10.000000 0.00000
RESULTING VALUE 31-Dec-99 10.000000 117.79422 1177.9422
1.000
FORMULA: 1000*(1+T)= 1177.9422 - (0.85 * 1000 * 0.05)
= 1135.4422
T = 13.54%
R = 13.54%
NLIC VAII MONEY MARKET
12/30/94
TO NO. YEARS 5
12/31/99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-94 1000 8.736913 114.45691
FEE 31-Dec-95 0 9.013297 0
FEE 31-Dec-96 0 9.252962 0.00000
FEE 35795 0 9.511205749 0
FEE 36160 0.000 9.770578472 0
FEE 36525 0 10.0000 0
RESULTING VALUE 36525 1000.00% 114.45690831144.569083
5
FORMULA: 1000*(1+T)= 1144.569083 - (0.85 * 1000 * 0.02)
= 1127.569083
T = 0.024303441
R = 0.127569083
NLIC VAII HIGH YIELD
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 8.458078128118.2301682
FEE 35064 0 9.476518593 0
FEE 35430 0 10.36414353 0
FEE 35795 0 11.32477506 0
FEE 36160 0 10.37594356 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 118.23016821182.301682
5
FORMULA: 1000*(1+T)= 1182.301682 - (0.85 * 1000 * 0.02)
= 1165.301682
T = 0.03106887
R = 0.165301682
NLIC VAII EQUITY
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 2.442834092409.360588
FEE 35064 0 3.43880068 0
FEE 35430 0 3.773672099 0
FEE 35795 0 5.065943905 0
FEE 36160 0 6.455161193 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 409.360588 4093.60588
5
FORMULA: 1000*(1+T)= 4093.60588 - (0.85 * 1000 * 0.02)
= 4076.60588
T = 0.324523736
R = 3.07660588
NLIC VAII QUALITY INCOME
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 7.689443932130.0484156
FEE 35064 0 9.363714438 0
FEE 35430 0 9.287453479 0
FEE 35795 0 10.08001049 0
FEE 36160 0 10.69963273 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 130.04841561300.484156
5
FORMULA: 1000*(1+T)= 1300.484156 - (0.85 * 1000 * 0.02)
= 1283.484156
T = 0.051182452
R = 0.283484156
NLIC VAII STRATEGIST
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 5.297025193188.7852075
FEE 35064 0 5.655786325 0
FEE 35430 0 6.353652717 0
FEE 35795 0 7.057565432 0
FEE 36160 0 8.723951834 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 188.78520751887.852075
5
FORMULA: 1000*(1+T)= 1887.852075 - (0.85 * 1000 * 0.02)
= 1870.852075
T = 0.133464415
R = 0.870852075
NLIC VAII DIVIDEND GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 4.774230736209.4578279
FEE 35064 0 6.325707617 0
FEE 35430 0 7.658495705 0
FEE 35795 0 9.396351782 0
FEE 36160 0 10.48858318 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 209.45782792094.578279
5
FORMULA: 1000*(1+T)= 2094.578279 - (0.85 * 1000 * 0.02)
= 2077.578279
T = 0.157474626
R = 1.077578279
NLIC VAII UTILITIES
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 4.538555691220.3344121
FEE 35064 0 5.699220256 0
FEE 35430 0 6.049328955 0
FEE 35795 0 7.513374041 0
FEE 36160 0 9.082780551 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 220.33441212203.344121
5
FORMULA: 1000*(1+T)= 2203.344121 - (0.85 * 1000 * 0.02)
= 2186.344121
T = 0.169347802
R = 1.186344121
NLIC VAII EUROPEAN GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 3.703673731270.0021851
FEE 35064 0 4.548726835 0
FEE 35430 0 5.775033784 0
FEE 35795 0 6.548229418 0
FEE 36160 0 7.929105356 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 270.00218512700.021851
5
FORMULA: 1000*(1+T)= 2700.021851 - (0.85 * 1000 * 0.02)
= 2683.021851
T = 0.218217522
R = 1.683021851
NLIC VAII CAPITAL GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 3.800685673263.110419
FEE 35064 0 4.959233753 0
FEE 35430 0 5.402723087 0
FEE 35795 0 6.572398952 0
FEE 36160 0 7.680272267 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 263.110419 2631.10419
5
FORMULA: 1000*(1+T)= 2631.10419 - (0.85 * 1000 * 0.02)
= 2614.10419
T = 0.211893842
R = 1.61410419
NLIC VAII PACIFIC GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 10.9358666791.4422268
FEE 35064 0 11.40671815 0
FEE 35430 0 11.57338569 0
FEE 35795 0 7.042528735 0
FEE 36160 0 6.163538295 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 91.4422268 914.422268
5
FORMULA: 1000*(1+T)= 914.422268 - (0.85 * 1000 * 0.02)
= 897.422268
T = -0.021413166
R = -0.102577732
NLIC VAII GLOBAL DIVIDEND GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 5.412473649184.7584053
FEE 35064 0 6.463545669 0
FEE 35430 0 7.42290224 0
FEE 35795 0 8.123459725 0
FEE 36160 0 8.929294509 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 184.75840531847.584053
5
FORMULA: 1000*(1+T)= 1847.584053 - (0.85 * 1000 * 0.02)
= 1830.584053
T = 0.128542542
R = 0.830584053
NLIC VAII CAPITAL APPRECIATION
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 11.163269 0
FEE 36160 0 10.123843 0
FEE 36525 0 10.840987 0
RESULTING VALUE 36525 10.840987 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 9.484810258 0
FEE 36160 0 9.562306226 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 6.300447448 0
FEE 36160 0 7.34141235 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 7.710764226 0
FEE 36160 0 8.177470956 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 7.283398494 0
FEE 35795 0 7.136123777 0
FEE 36160 0 5.257925068 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 2.781711258 0
FEE 35430 0 3.169138036 0
FEE 35795 0 3.727808839 0
FEE 36160 0 5.008939278 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 12.21925626 0
FEE 36160 0 10.39073212 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 #VALUE! #VALUE!
FEE 36160 0 8.118852265 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 #VALUE! #VALUE!
FEE 36160 0 8.552907418 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 #VALUE! #VALUE!
FEE 36160 0 #VALUE! #VALUE!
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 #VALUE! #VALUE!
FEE 36160 0 #VALUE! #VALUE!
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 #VALUE! #VALUE!
FEE 36160 0 #VALUE! #VALUE!
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 2.870448206348.3776498
FEE 35064 0 3.793182814 0
FEE 35430 0 4.760613599 0
FEE 35795 0 6.046072332 0
FEE 36160 0 7.602193555 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 348.37764983483.776498
5
FORMULA: 1000*(1+T)= 3483.776498 - (0.85 * 1000 * 0.02)
= 3466.776498
T = 0.282286792
R = 2.466776498
Alliance Growth and Income
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 3.842510662260.2465127
FEE 35064 0 5.097862367 0
FEE 35430 0 6.17903057 0
FEE 35795 0 7.773579827 0
FEE 36160 0 9.179258993 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 260.24651272602.465127
5
FORMULA: 1000*(1+T)= 2602.465127 - (0.85 * 1000 * 0.02)
= 2585.465127
T = 0.209226725
R = 1.585465127
Aim Cap App
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 3.660679668273.173315
FEE 35064 0 4.8641551 0
FEE 35430 0 5.59984773 0
FEE 35795 0 6.224041254 0
FEE 36160 0 7.061517793 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 273.173315 2731.73315
5
FORMULA: 1000*(1+T)= 2731.73315 - (0.85 * 1000 * 0.02)
= 2714.73315
T = 0.221083687
R = 1.71473315
Aim Growth
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 3.252521367307.4537834
FEE 35064 0 4.292581653 0
FEE 35430 0 4.963222364 0
FEE 35795 0 6.165983985 0
FEE 36160 0 7.551272007 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 307.45378343074.537834
5
FORMULA: 1000*(1+T)= 3074.537834 - (0.85 * 1000 * 0.02)
= 3057.537834
T = 0.250473141
R = 2.057537834
Aim Value
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 3.500312444285.6887824
FEE 35064 0 4.670351438 0
FEE 35430 0 5.259776795 0
FEE 35795 0 6.37062367 0
FEE 36160 0 7.861580561 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 285.68878242856.887824
5
FORMULA: 1000*(1+T)= 2856.887824 - (0.85 * 1000 * 0.02)
= 2839.887824
T = 0.232140512
R = 1.839887824
Putnam International Growth
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 5.502212691 0
FEE 36160 0 6.38082753 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 2.841718248351.8997708
FEE 35064 0 3.902770817 0
FEE 35430 0 4.304355404 0
FEE 35795 0 5.316573126 0
FEE 36160 0 6.462452947 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 351.89977083518.997708
5
FORMULA: 1000*(1+T)= 3518.997708 - (0.85 * 1000 * 0.02)
= 3501.997708
T = 0.284881782
R = 2.501997708
Putnam Growth & Income
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 4.631607569215.9077567
FEE 35064 0 6.181971019 0
FEE 35430 0 7.35827588 0
FEE 35795 0 8.918716494 0
FEE 36160 0 10.06506908 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 215.90775672159.077567
5
FORMULA: 1000*(1+T)= 2159.077567 - (0.85 * 1000 * 0.02)
= 2142.077567
T = 0.164573862
R = 1.142077567
MSDW Mid Cap
34698
TO NO. YEARS 5
36525
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 34699 1000 #VALUE! #VALUE!
FEE 35064 0 #VALUE! #VALUE!
FEE 35430 0 #VALUE! #VALUE!
FEE 35795 0 7.701803642 0
FEE 36160 0 8.489381158 0
FEE 36525 0 10 0
RESULTING VALUE 36525 10 #VALUE! #VALUE!
5
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.02)
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 7.798103 128.23632
FEE 29-Dec-90 0 8.217980 0.00000
FEE 29-Dec-91 0 8.490270 0.00000
FEE 29-Dec-92 0 8.579600 0.00000
FEE 29-Dec-93 0 8.610819 0.00000
FEE 29-Dec-94 0 8.731732 0.00000
FEE 29-Dec-95 0 9.013297 0.00000
FEE 29-Dec-96 0 9.250305 0.00000
FEE 29-Dec-97 0 9.509691 0.00000
FEE 29-Dec-98 0 9.769326 0.00000
FEE 29-Dec-99 0 9.998318 0.00000
RESULTING VALUE 29-Dec-99 9.998318 128.23632 1282.1475
10.000
FORMULA: 1000*(1+T)= 1282.1475 - (0.85 * 1000 * 0)
= 1282.147532
T = 2.52%
R = 28.21%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.696564 175.54440
FEE 29-Dec-90 0 4.119040 0.00000
FEE 29-Dec-91 0 6.231541 0.00000
FEE 29-Dec-92 0 7.307044 0.00000
FEE 29-Dec-93 0 8.825365 0.00000
FEE 29-Dec-94 0 8.432310 0.00000
FEE 29-Dec-95 0 9.476519 0.00000
FEE 29-Dec-96 0 10.345354 0.00000
FEE 29-Dec-97 0 11.311308 0.00000
FEE 29-Dec-98 0 10.355294 0.00000
FEE 29-Dec-99 0 9.987639 0.00000
RESULTING VALUE 29-Dec-99 9.987639 175.54440 1753.2742
10.000
FORMULA: 1000*(1+T)= 1753.2742 - (0.85 * 1000 * 0)
= 1753.27418
T = 5.78%
R = 75.33%
NLIC VAII EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 1.589523 629.11960
FEE 29-Dec-90 0 1.491223 0.00000
FEE 29-Dec-91 0 2.264195 0.00000
FEE 29-Dec-92 0 2.251385 0.00000
FEE 29-Dec-93 0 2.653385 0.00000
FEE 29-Dec-94 0 2.475084 0.00000
FEE 29-Dec-95 0 3.438801 0.00000
FEE 29-Dec-96 0 3.817971 0.00000
FEE 29-Dec-97 0 4.939009 0.00000
FEE 29-Dec-98 0 6.445476 0.00000
FEE 29-Dec-99 0 9.870055 0.00000
RESULTING VALUE 29-Dec-99 9.870055 629.11960 6209.4449
10.000
FORMULA: 1000*(1+T)= 6209.4449 - (0.85 * 1000 * 0)
= 6209.444911
T = 20.03%
R = 520.94%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 29-Dec-89 1000.00 5.992896 166.86424
FEE 29-Dec-90 0 6.218727 0.00000
FEE 29-Dec-91 0 7.194203 0.00000
FEE 29-Dec-92 0 7.655900 0.00000
FEE 29-Dec-93 0 8.511491 0.00000
FEE 29-Dec-94 0 7.723416 0.00000
FEE 29-Dec-95 0 9.363714 0.00000
FEE 29-Dec-96 0 9.359498 0.00000
FEE 29-Dec-97 0 10.069619 0.00000
FEE 29-Dec-98 0 10.666223 0.00000
FEE 29-Dec-99 0 10.023785 0.00000
RESULTING VALUE 29-Dec-99 10.023785 166.86424 1672.6113
10.000
FORMULA: 1000*(1+T)= 1672.6113 - (0.85 * 1000 * 0)
= 1672.611276
T = 5.28%
R = 67.26%
</TABLE>
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