<TABLE>
<CAPTION>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99
<S> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.275725 137.44335
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 137.37965 1373.7965
1.000
FORMULA: 1000*(1+T)= 1373.7965 - (0.85 * 1000 * 0.01)
= 1365.2965
T = 36.53%
R = 36.53%
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 8.104270 123.39174
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.32804 1233.2804
1.000
FORMULA: 1000*(1+T)= 1233.2804 - (0.85 * 1000 * 0.01)
= 1224.7804
T = 22.48%
R = 22.48%
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 5.210971 191.90283
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.83913 1918.3913
1.000
FORMULA: 1000*(1+T)= 1918.3913 - (0.85 * 1000 * 0.01)
= 1909.8913
T = 90.99%
R = 90.99%
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 4.964186 201.44291
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 201.37921 2013.7921
1.000
FORMULA: 1000*(1+T)= 2013.7921 - (0.85 * 1000 * 0.01)
= 2005.2921
T = 100.53%
R = 100.53%
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 10.297629 97.10974
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 97.04604 970.4604
1.000
FORMULA: 1000*(1+T)= 970.4604 - (0.85 * 1000 * 0.01)
= 961.9604
T = -3.80%
R = -3.80%
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 7.206210 138.76920
1 FEE 16-Mar-99 0.637001 7.816237 0.08150 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 138.62400 1386.2400
1.793
FORMULA: 1000*(1+T)= 1386.2400
= 1343.74
T = 17.91%
R = 34.37%
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 8.314651 120.26963
1 FEE 16-Mar-99 0.637001 8.137727 0.07828 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 120.12766 1201.2766
1.793
FORMULA: 1000*(1+T)= 1201.2766
= 1158.7766
T = 8.56%
R = 15.88%
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 7.380913 135.48460
1 FEE 16-Mar-99 0.637001 5.736264 0.11105 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 135.30985 1353.0985
1.793
FORMULA: 1000*(1+T)= 1353.0985
= 1310.5985
T = 16.28%
R = 31.06%
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 4.141020 241.48643
1 FEE 16-Mar-99 0.637001 5.496521 0.11589 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 241.30683 2413.0683
1.793
FORMULA: 1000*(1+T)= 2413.0683
= 2370.5683
T = 61.82%
R = 137.06%
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 11.642623 85.89130
1 FEE 18-May-99 0.637001 11.077445 0.05750 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 85.77009 857.7009
1.621
FORMULA: 1000*(1+T)= 857.7009
= 815.20091
T = -11.84%
R = -18.48%
<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 Non-Standardized Performance
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
Equity Growth 03/16/98 7.206210092 N/A N/A N/A N/A
International Magnum 03/16/98 8.314650728 N/A N/A N/A N/A
Emerging Markets 03/16/98 7.380912607 N/A N/A N/A N/A
Emerging Growth 03/16/98 4.141019507 N/A N/A N/A N/A
Real Estate 05/18/98 11.64262332 N/A N/A N/A N/A
One Yr YTD 3 Months Today's Inception
Fund AUV AUV AUV AUV Total Average
Equity Growth 7.275724614 7.275724614 8.23891415 10 38.77% 20.03%
International Magnum 8.104270475 8.104270475 8.951639302 10 20.27% 10.83%
Emerging Markets 5.210970572 5.210970572 6.715082355 10 35.48% 18.44%
Emerging Growth 4.964185657 4.964185657 6.250218811 10 141.49% 63.44%
Real Estate 10.2976286 10.2976286 10.13752825 10 -14.11% -8.95%
Ten Years Five Years Three Years
Fund Total Average Total Average Total Average
Equity Growth N/A N/A N/A N/A N/A N/A
International Magnum N/A N/A N/A N/A N/A N/A
Emerging Markets N/A N/A N/A N/A N/A N/A
Emerging Growth N/A N/A N/A N/A N/A N/A
Real Estate N/A N/A N/A N/A N/A N/A
Two Years One Year YTD Three Months
Fund Total Average
Equity Growth N/A N/A 37.44% 37.44% 21.38%
International Magnum N/A N/A 23.39% 23.39% 11.71%
Emerging Markets N/A N/A 91.90% 91.90% 48.92%
Emerging Growth N/A N/A 101.44% 101.44% 59.99%
Real Estate N/A N/A -2.89% -2.89% -1.36%
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. Y1.000
TO
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.707285103.01542
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000102.95171029.5172
1.000
FORMULA: 1000*(1+1029.5172- (0.85 * 1000 * 0.01)
= 1021.0172
T = 2.10%
R = 2.10%
NLIC VAII HIGH YIELD
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.3087297.00521
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000096.94151969.4151
1.000
FORMULA: 1000*(1+969.4151 - (0.85 * 1000 * 0.01)
= 960.9151
T = -3.91%
R = -3.91%
NLIC VAII EQUITY
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.413433155.92273
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000155.85901558.5903
1.000
FORMULA: 1000*(1+1558.5903- (0.85 * 1000 * 0.01)
= 1550.0903
T = 55.01%
R = 55.01%
NLIC VAII QUALITY INCOME
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.6302894.07088
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000094.00718940.0718
1.000
FORMULA: 1000*(1+940.0718 - (0.85 * 1000 * 0.01)
= 931.5718
T = -6.84%
R = -6.84%
NLIC VAII STRATEGIST
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.667469115.37393
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000115.31021153.1023
1.000
FORMULA: 1000*(1+1153.1023- (0.85 * 1000 * 0.01)
= 1144.6023
T = 14.46%
R = 14.46%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.4206295.96352
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000095.89982958.9982
1.000
FORMULA: 1000*(1+958.9982 - (0.85 * 1000 * 0.01)
= 950.4982
T = -4.95%
R = -4.95%
NLIC VAII UTILITIES
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.023963110.81606
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000110.75231107.5236
1.000
FORMULA: 1000*(1+1107.5236- (0.85 * 1000 * 0.01)
= 1099.0236
T = 9.90%
R = 9.90%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.877807126.93889
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000126.87511268.7519
1.000
FORMULA: 1000*(1+1268.7519- (0.85 * 1000 * 0.01)
= 1260.2519
T = 26.03%
R = 26.03%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.630590131.05147
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000130.98771309.8777
1.000
FORMULA: 1000*(1+1309.8777- (0.85 * 1000 * 0.01)
= 1301.3777
T = 30.14%
R = 30.14%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.123688163.30028
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000163.23651632.3658
1.000
FORMULA: 1000*(1+1632.3658- (0.85 * 1000 * 0.01)
= 1623.8658
T = 62.39%
R = 62.39%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.871480112.72076
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000112.65701126.5706
1.000
FORMULA: 1000*(1+1126.5706- (0.85 * 1000 * 0.01)
= 1118.0706
T = 11.81%
R = 11.81%
NLIC VAII INCOME BUILDER
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.500367105.25909
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000105.19531051.9539
1.000
FORMULA: 1000*(1+1051.9539- (0.85 * 1000 * 0.01)
= 1043.4539
T = 4.35%
R = 4.35%
NLIC VAII EQUITY GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.275725137.44335
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000137.37961373.7965
1.000
FORMULA: 1000*(1+1373.7965- (0.85 * 1000 * 0.01)
= 1365.2965
T = 36.53%
R = 36.53%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.104270123.39174
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000123.32801233.2804
1.000
FORMULA: 1000*(1+1233.2804- (0.85 * 1000 * 0.01)
= 1224.7804
T = 22.48%
R = 22.48%
NLIC VAII EMERGING MARKETS
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.210971191.90283
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000191.83911918.3913
1.000
FORMULA: 1000*(1+1918.3913- (0.85 * 1000 * 0.01)
= 1909.8913
T = 90.99%
R = 90.99%
NLIC VAII EMERGING GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.964186201.44291
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000201.37922013.7921
1.000
FORMULA: 1000*(1+2013.7921- (0.85 * 1000 * 0.01)
= 2005.2921
T = 100.53%
R = 100.53%
NLIC VAII REAL ESTATE
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.2976297.10974
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000097.04604970.4604
1.000
FORMULA: 1000*(1+970.4604 - (0.85 * 1000 * 0.01)
= 961.9604
T = -3.80%
R = -3.80%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.066303123.97253
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000123.90881239.0883
1.000
FORMULA: 1000*(1+1239.0883- (0.85 * 1000 * 0.01)
= 1230.5883
T = 23.06%
R = 23.06%
NLIC VAII S&P 500 INDEX
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.497540117.68112
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000117.61741176.1742
1.000
FORMULA: 1000*(1+1176.1742- (0.85 * 1000 * 0.01)
= 1167.6742
T = 16.77%
R = 16.77%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.552974132.39818
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000132.33441323.3448
1.000
FORMULA: 1000*(1+1323.3448- (0.85 * 1000 * 0.01)
= 1314.8448
T = 31.48%
R = 31.48%
Alliance Growth and Income
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.119800109.65153
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000109.58781095.8783
1.000
FORMULA: 1000*(1+1095.8783- (0.85 * 1000 * 0.01)
= 1087.3783
T = 8.74%
R = 8.74%
Aim Cap App
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.015822142.53498
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000142.47121424.7127
1.000
FORMULA: 1000*(1+1424.7127- (0.85 * 1000 * 0.01)
= 1416.2127
T = 41.62%
R = 41.62%
Aim Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.502406133.29058
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000133.22681332.2688
1.000
FORMULA: 1000*(1+1332.2688- (0.85 * 1000 * 0.01)
= 1323.7688
T = 32.38%
R = 32.38%
Aim Value
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.810702128.02947
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000127.96571279.6577
1.000
FORMULA: 1000*(1+1279.6577- (0.85 * 1000 * 0.01)
= 1271.1577
T = 27.12%
R = 27.12%
Putnam International Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.339675157.73680
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000157.67311576.7310
1.000
FORMULA: 1000*(1+1576.7310- (0.85 * 1000 * 0.01)
= 1568.2310
T = 56.82%
R = 56.82%
Putnam Voyager
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.420709155.74605
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000155.68231556.8235
1.000
FORMULA: 1000*(1+1556.8235- (0.85 * 1000 * 0.01)
= 1548.3235
T = 54.83%
R = 54.83%
Putnam Growth & Income
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.999814100.00186
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000099.93816999.3816
1.000
FORMULA: 1000*(1+999.3816 - (0.85 * 1000 * 0.01)
= 990.8816
T = -0.91%
R = -0.91%
MSDW Mid Cap
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.413338118.85889
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000118.79511187.9519
1.000
FORMULA: 1000*(1+1187.9519- (0.85 * 1000 * 0.01)
= 1179.4519
T = 17.95%
R = 17.95%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.457573118.23723
FEE 31-Dec-0.6370008.7816960.07254
FEE 31-Dec-0.6370009.0743050.07020
FEE 31-Dec-0.6370009.3883790.06785
FEE 31-Dec-0.6370009.7072850.06562
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000117.89731178.9732
5.000
FORMULA: 1000*(1+1178.9732
= 1178.973248
T = 3.35%
R = 17.90%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.187663122.13497
FEE 31-Dec-0.6370009.2330110.06899
FEE 31-Dec-0.63700010.164010.06267
FEE 31-Dec-0.63700011.178490.05698
FEE 31-Dec-0.63700010.308720.06179
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000121.82081218.2083
5.000
FORMULA: 1000*(1+1218.2083
= 1218.208309
T = 4.03%
R = 21.82%
NLIC VAII EQUITY
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.364797422.86920
FEE 31-Dec-0.6370003.3505160.19012
FEE 31-Dec-0.6370003.7009050.17212
FEE 31-Dec-0.6370005.0006210.12738
FEE 31-Dec-0.6370006.4134330.09932
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000422.21654222.1655
5.000
FORMULA: 1000*(1+4222.1655
= 4222.165531
T = 33.39%
R = 322.22%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.443598134.34364
FEE 31-Dec-0.6370009.1230730.06982
FEE 31-Dec-0.6370009.1081140.06994
FEE 31-Dec-0.6370009.9498100.06402
FEE 31-Dec-0.63700010.630280.05992
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000134.01621340.1623
5.000
FORMULA: 1000*(1+1340.1623
= 1340.162341
T = 6.03%
R = 34.02%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.127736195.01784
FEE 31-Dec-0.6370005.5105310.11560
FEE 31-Dec-0.6370006.2310540.10223
FEE 31-Dec-0.6370006.9664910.09144
FEE 31-Dec-0.6370008.6674690.07349
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000194.57131945.7138
5.000
FORMULA: 1000*(1+1945.7138
= 1945.713777
T = 14.24%
R = 94.57%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.621668216.37208
FEE 31-Dec-0.6370006.1632350.10335
FEE 31-Dec-0.6370007.5106840.08481
FEE 31-Dec-0.6370009.2750220.06868
FEE 31-Dec-0.63700010.420620.06113
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000215.99042159.9040
5.000
FORMULA: 1000*(1+2159.9040
= 2159.90401
T = 16.65%
R = 115.99%
NLIC VAII UTILITIES
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.393512227.60835
FEE 31-Dec-0.6370005.5528370.11472
FEE 31-Dec-0.6370005.9326010.10737
FEE 31-Dec-0.6370007.4163930.08589
FEE 31-Dec-0.6370009.0239630.07059
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000227.16602271.6608
5.000
FORMULA: 1000*(1+2271.6608
= 2271.660781
T = 17.83%
R = 127.17%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.585356278.91230
FEE 31-Dec-0.6370004.4319550.14373
FEE 31-Dec-0.6370005.6636430.11247
FEE 31-Dec-0.6370006.4637790.09855
FEE 31-Dec-0.6370007.8778070.08086
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000278.41292784.1299
5.000
FORMULA: 1000*(1+2784.1299
= 2784.129921
T = 22.73%
R = 178.41%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.679245271.79486
FEE 31-Dec-0.6370004.8318790.13183
FEE 31-Dec-0.6370005.2984890.12022
FEE 31-Dec-0.6370006.4876050.09819
FEE 31-Dec-0.6370007.6305900.08348
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000271.29742712.9744
5.000
FORMULA: 1000*(1+2712.9744
= 2712.974396
T = 22.09%
R = 171.30%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.5860094.46430
FEE 31-Dec-0.63700011.113430.05732
FEE 31-Dec-0.63700011.349780.05612
FEE 31-Dec-0.6370006.9515980.09163
FEE 31-Dec-0.6370006.1236880.10402
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000094.09150940.9150
5.000
FORMULA: 1000*(1+940.9150
= 940.915045
T = -1.21%
R = -5.91%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.239481190.85861
FEE 31-Dec-0.6370006.2975130.10115
FEE 31-Dec-0.6370007.2796250.08750
FEE 31-Dec-0.6370008.0185930.07944
FEE 31-Dec-0.6370008.8714800.07180
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000190.45501904.5501
5.000
FORMULA: 1000*(1+1904.5501
= 1904.550093
T = 13.75%
R = 90.46%
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370009.3623260.06804
FEE 31-Dec-0.6370009.5003670.06705
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370006.1881830.10294
FEE 31-Dec-0.6370007.2757250.08755
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. YEARS1.000
TO
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 9.707285 103.01542
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 102.951721029.5172
1.000
FORMULA: 1000*(1+T)1029.5172 - (0.85 * 1000 * 0.01)
= 1021.0172
T = 2.10%
R = 2.10%
NLIC VAII HIGH YIELD
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 10.308724 97.00521
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.94151 969.4151
1.000
FORMULA: 1000*(1+T)=969.4151 - (0.85 * 1000 * 0.01)
= 960.9151
T = -3.91%
R = -3.91%
NLIC VAII EQUITY
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 6.413433 155.92273
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.859031558.5903
1.000
FORMULA: 1000*(1+T)1558.5903 - (0.85 * 1000 * 0.01)
= 1550.0903
T = 55.01%
R = 55.01%
NLIC VAII QUALITY INCOME
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 10.630282 94.07088
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 94.00718 940.0718
1.000
FORMULA: 1000*(1+T)=940.0718 - (0.85 * 1000 * 0.01)
= 931.5718
T = -6.84%
R = -6.84%
NLIC VAII STRATEGIST
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 8.667469 115.37393
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 115.310231153.1023
1.000
FORMULA: 1000*(1+T)1153.1023 - (0.85 * 1000 * 0.01)
= 1144.6023
T = 14.46%
R = 14.46%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 10.420626 95.96352
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 95.89982 958.9982
1.000
FORMULA: 1000*(1+T)=958.9982 - (0.85 * 1000 * 0.01)
= 950.4982
T = -4.95%
R = -4.95%
NLIC VAII UTILITIES
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 9.023963 110.81606
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 110.752361107.5236
1.000
FORMULA: 1000*(1+T)1107.5236 - (0.85 * 1000 * 0.01)
= 1099.0236
T = 9.90%
R = 9.90%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.877807 126.93889
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 126.875191268.7519
1.000
FORMULA: 1000*(1+T)1268.7519 - (0.85 * 1000 * 0.01)
= 1260.2519
T = 26.03%
R = 26.03%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.630590 131.05147
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.987771309.8777
1.000
FORMULA: 1000*(1+T)1309.8777 - (0.85 * 1000 * 0.01)
= 1301.3777
T = 30.14%
R = 30.14%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 6.123688 163.30028
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 163.236581632.3658
1.000
FORMULA: 1000*(1+T)1632.3658 - (0.85 * 1000 * 0.01)
= 1623.8658
T = 62.39%
R = 62.39%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 8.871480 112.72076
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 112.657061126.5706
1.000
FORMULA: 1000*(1+T)1126.5706 - (0.85 * 1000 * 0.01)
= 1118.0706
T = 11.81%
R = 11.81%
NLIC VAII INCOME BUILDER
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 9.500367 105.25909
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 105.195391051.9539
1.000
FORMULA: 1000*(1+T)1051.9539 - (0.85 * 1000 * 0.01)
= 1043.4539
T = 4.35%
R = 4.35%
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.275725 137.44335
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 137.379651373.7965
1.000
FORMULA: 1000*(1+T)1373.7965 - (0.85 * 1000 * 0.01)
= 1365.2965
T = 36.53%
R = 36.53%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 8.104270 123.39174
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.328041233.2804
1.000
FORMULA: 1000*(1+T)1233.2804 - (0.85 * 1000 * 0.01)
= 1224.7804
T = 22.48%
R = 22.48%
NLIC VAII EMERGING MARKETS
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 5.210971 191.90283
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.839131918.3913
1.000
FORMULA: 1000*(1+T)1918.3913 - (0.85 * 1000 * 0.01)
= 1909.8913
T = 90.99%
R = 90.99%
NLIC VAII EMERGING GROWTH
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 4.964186 201.44291
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 201.379212013.7921
1.000
FORMULA: 1000*(1+T)2013.7921 - (0.85 * 1000 * 0.01)
= 2005.2921
T = 100.53%
R = 100.53%
NLIC VAII REAL ESTATE
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 10.297629 97.10974
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 97.04604 970.4604
1.000
FORMULA: 1000*(1+T)=970.4604 - (0.85 * 1000 * 0.01)
= 961.9604
T = -3.80%
R = -3.80%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 8.066303 123.97253
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.908831239.0883
1.000
FORMULA: 1000*(1+T)1239.0883 - (0.85 * 1000 * 0.01)
= 1230.5883
T = 23.06%
R = 23.06%
NLIC VAII S&P 500 INDEX
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 8.497540 117.68112
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.617421176.1742
1.000
FORMULA: 1000*(1+T)1176.1742 - (0.85 * 1000 * 0.01)
= 1167.6742
T = 16.77%
R = 16.77%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 #VALUE! #VALUE!
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)=#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 #VALUE! #VALUE!
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)=#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 #VALUE! #VALUE!
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)=#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.552974 132.39818
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.334481323.3448
1.000
FORMULA: 1000*(1+T)1323.3448 - (0.85 * 1000 * 0.01)
= 1314.8448
T = 31.48%
R = 31.48%
Alliance Growth and Income
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 9.119800 109.65153
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 109.587831095.8783
1.000
FORMULA: 1000*(1+T)1095.8783 - (0.85 * 1000 * 0.01)
= 1087.3783
T = 8.74%
R = 8.74%
Aim Cap App
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.015822 142.53498
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.471271424.7127
1.000
FORMULA: 1000*(1+T)1424.7127 - (0.85 * 1000 * 0.01)
= 1416.2127
T = 41.62%
R = 41.62%
Aim Growth
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.502406 133.29058
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 133.226881332.2688
1.000
FORMULA: 1000*(1+T)1332.2688 - (0.85 * 1000 * 0.01)
= 1323.7688
T = 32.38%
R = 32.38%
Aim Value
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 7.810702 128.02947
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 127.965771279.6577
1.000
FORMULA: 1000*(1+T)1279.6577 - (0.85 * 1000 * 0.01)
= 1271.1577
T = 27.12%
R = 27.12%
Putnam International Growth
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 6.339675 157.73680
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 157.673101576.7310
1.000
FORMULA: 1000*(1+T)1576.7310 - (0.85 * 1000 * 0.01)
= 1568.2310
T = 56.82%
R = 56.82%
Putnam Voyager
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 6.420709 155.74605
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.682351556.8235
1.000
FORMULA: 1000*(1+T)1556.8235 - (0.85 * 1000 * 0.01)
= 1548.3235
T = 54.83%
R = 54.83%
Putnam Growth & Income
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 9.999814 100.00186
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 99.93816 999.3816
1.000
FORMULA: 1000*(1+T)=999.3816 - (0.85 * 1000 * 0.01)
= 990.8816
T = -0.91%
R = -0.91%
MSDW Mid Cap
12/31/98 NO. YEARS1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-981000.00 8.413338 118.85889
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 118.795191187.9519
1.000
FORMULA: 1000*(1+T)1187.9519 - (0.85 * 1000 * 0.01)
= 1179.4519
T = 17.95%
R = 17.95%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 8.457573 118.23723
FEE 31-Dec-950.6370006378.781696 0.07254
FEE 31-Dec-960.6370006379.074305 0.07020
FEE 31-Dec-970.6370006379.388379 0.06785
FEE 31-Dec-980.6370006379.707285 0.06562
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.897321178.9732
5.000
FORMULA: 1000*(1+T)1178.9732
= 1178.973248
T = 3.35%
R = 17.90%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 8.187663 122.13497
FEE 31-Dec-950.6370006379.233011 0.06899
FEE 31-Dec-960.6370006310.164015 0.06267
FEE 31-Dec-970.6370006311.178496 0.05698
FEE 31-Dec-980.6370006310.308724 0.06179
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 121.820831218.2083
5.000
FORMULA: 1000*(1+T)1218.2083
= 1218.208309
T = 4.03%
R = 21.82%
NLIC VAII EQUITY
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 2.364797 422.86920
FEE 31-Dec-950.6370006373.350516 0.19012
FEE 31-Dec-960.6370006373.700905 0.17212
FEE 31-Dec-970.6370006375.000621 0.12738
FEE 31-Dec-980.6370006376.413433 0.09932
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 422.216554222.1655
5.000
FORMULA: 1000*(1+T)4222.1655
= 4222.165531
T = 33.39%
R = 322.22%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 7.443598 134.34364
FEE 31-Dec-950.6370006379.123073 0.06982
FEE 31-Dec-960.6370006379.108114 0.06994
FEE 31-Dec-970.6370006379.949810 0.06402
FEE 31-Dec-980.6370006310.630282 0.05992
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 134.016231340.1623
5.000
FORMULA: 1000*(1+T)1340.1623
= 1340.162341
T = 6.03%
R = 34.02%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 5.127736 195.01784
FEE 31-Dec-950.6370006375.510531 0.11560
FEE 31-Dec-960.6370006376.231054 0.10223
FEE 31-Dec-970.6370006376.966491 0.09144
FEE 31-Dec-980.6370006378.667469 0.07349
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 194.571381945.7138
5.000
FORMULA: 1000*(1+T)1945.7138
= 1945.713777
T = 14.24%
R = 94.57%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 4.621668 216.37208
FEE 31-Dec-950.6370006376.163235 0.10335
FEE 31-Dec-960.6370006377.510684 0.08481
FEE 31-Dec-970.6370006379.275022 0.06868
FEE 31-Dec-980.6370006310.420626 0.06113
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 215.990402159.9040
5.000
FORMULA: 1000*(1+T)2159.9040
= 2159.90401
T = 16.65%
R = 115.99%
NLIC VAII UTILITIES
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 4.393512 227.60835
FEE 31-Dec-950.6370006375.552837 0.11472
FEE 31-Dec-960.6370006375.932601 0.10737
FEE 31-Dec-970.6370006377.416393 0.08589
FEE 31-Dec-980.6370006379.023963 0.07059
FEE 31-Dec-990.6370006310.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 227.166082271.6608
5.000
FORMULA: 1000*(1+T)2271.6608
= 2271.660781
T = 17.83%
R = 127.17%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. YEARS5.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE
INIT DEPOSI31-Dec-941000.00 3.585356 278.91230
FEE 31-Dec-950.6370006374.431955 0.14373
FEE 31-Dec-960.6370006375.663643 0.11247
<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 9.707285 103.01542
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 102.95172 1029.5172
1.000
FORMULA: 1000*(1+T)= 1029.5172 - (0.85 * 1000 * 0.01)
= 1021.0172
T = 2.10%
R = 2.10%
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 10.308724 97.00521
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.94151 969.4151
1.000
FORMULA: 1000*(1+T)= 969.4151 - (0.85 * 1000 * 0.01)
= 960.9151
T = -3.91%
R = -3.91%
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 6.413433 155.92273
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.85903 1558.5903
1.000
FORMULA: 1000*(1+T)= 1558.5903 - (0.85 * 1000 * 0.01)
= 1550.0903
T = 55.01%
R = 55.01%
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 10.630282 94.07088
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 94.00718 940.0718
1.000
FORMULA: 1000*(1+T)= 940.0718 - (0.85 * 1000 * 0.01)
= 931.5718
T = -6.84%
R = -6.84%
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 8.667469 115.37393
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 115.31023 1153.1023
1.000
FORMULA: 1000*(1+T)= 1153.1023 - (0.85 * 1000 * 0.01)
= 1144.6023
T = 14.46%
R = 14.46%
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 10.420626 95.96352
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 95.89982 958.9982
1.000
FORMULA: 1000*(1+T)= 958.9982 - (0.85 * 1000 * 0.01)
= 950.4982
T = -4.95%
R = -4.95%
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 9.023963 110.81606
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 110.75236 1107.5236
1.000
FORMULA: 1000*(1+T)= 1107.5236 - (0.85 * 1000 * 0.01)
= 1099.0236
T = 9.90%
R = 9.90%
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 7.877807 126.93889
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 126.87519 1268.7519
1.000
FORMULA: 1000*(1+T)= 1268.7519 - (0.85 * 1000 * 0.01)
= 1260.2519
T = 26.03%
R = 26.03%
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 7.630590 131.05147
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.98777 1309.8777
1.000
FORMULA: 1000*(1+T)= 1309.8777 - (0.85 * 1000 * 0.01)
= 1301.3777
T = 30.14%
R = 30.14%
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 6.123688 163.30028
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 163.23658 1632.3658
1.000
FORMULA: 1000*(1+T)= 1632.3658 - (0.85 * 1000 * 0.01)
= 1623.8658
T = 62.39%
R = 62.39%
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 8.871480 112.72076
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 112.65706 1126.5706
1.000
FORMULA: 1000*(1+T)= 1126.5706 - (0.85 * 1000 * 0.01)
= 1118.0706
T = 11.81%
R = 11.81%
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 9.500367 105.25909
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 105.19539 1051.9539
1.000
FORMULA: 1000*(1+T)= 1051.9539 - (0.85 * 1000 * 0.01)
= 1043.4539
T = 4.35%
R = 4.35%
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 7.275725 137.44335
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 137.37965 1373.7965
1.000
FORMULA: 1000*(1+T)= 1373.7965 - (0.85 * 1000 * 0.01)
= 1365.2965
T = 36.53%
R = 36.53%
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 8.104270 123.39174
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.32804 1233.2804
1.000
FORMULA: 1000*(1+T)= 1233.2804 - (0.85 * 1000 * 0.01)
= 1224.7804
T = 22.48%
R = 22.48%
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 5.210971 191.90283
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.83913 1918.3913
1.000
FORMULA: 1000*(1+T)= 1918.3913 - (0.85 * 1000 * 0.01)
= 1909.8913
T = 90.99%
R = 90.99%
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 4.964186 201.44291
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 201.37921 2013.7921
1.000
FORMULA: 1000*(1+T)= 2013.7921 - (0.85 * 1000 * 0.01)
= 2005.2921
T = 100.53%
R = 100.53%
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 10.297629 97.10974
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 97.04604 970.4604
1.000
FORMULA: 1000*(1+T)= 970.4604 - (0.85 * 1000 * 0.01)
= 961.9604
T = -3.80%
R = -3.80%
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 8.066303 123.97253
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.90883 1239.0883
1.000
FORMULA: 1000*(1+T)= 1239.0883 - (0.85 * 1000 * 0.01)
= 1230.5883
T = 23.06%
R = 23.06%
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 8.497540 117.68112
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.61742 1176.1742
1.000
FORMULA: 1000*(1+T)= 1176.1742 - (0.85 * 1000 * 0.01)
= 1167.6742
T = 16.77%
R = 16.77%
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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 7.552974 132.39818
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.33448 1323.3448
1.000
FORMULA: 1000*(1+T)= 1323.3448 - (0.85 * 1000 * 0.01)
= 1314.8448
T = 31.48%
R = 31.48%
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 9.119800 109.65153
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 109.58783 1095.8783
1.000
FORMULA: 1000*(1+T)= 1095.8783 - (0.85 * 1000 * 0.01)
= 1087.3783
T = 8.74%
R = 8.74%
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 7.015822 142.53498
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.47127 1424.7127
1.000
FORMULA: 1000*(1+T)= 1424.7127 - (0.85 * 1000 * 0.01)
= 1416.2127
T = 41.62%
R = 41.62%
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 7.502406 133.29058
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 133.22688 1332.2688
1.000
FORMULA: 1000*(1+T)= 1332.2688 - (0.85 * 1000 * 0.01)
= 1323.7688
T = 32.38%
R = 32.38%
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 7.810702 128.02947
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 127.96577 1279.6577
1.000
FORMULA: 1000*(1+T)= 1279.6577 - (0.85 * 1000 * 0.01)
= 1271.1577
T = 27.12%
R = 27.12%
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 6.339675 157.73680
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 157.67310 1576.7310
1.000
FORMULA: 1000*(1+T)= 1576.7310 - (0.85 * 1000 * 0.01)
= 1568.2310
T = 56.82%
R = 56.82%
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 6.420709 155.74605
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.68235 1556.8235
1.000
FORMULA: 1000*(1+T)= 1556.8235 - (0.85 * 1000 * 0.01)
= 1548.3235
T = 54.83%
R = 54.83%
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 9.999814 100.00186
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 99.93816 999.3816
1.000
FORMULA: 1000*(1+T)= 999.3816 - (0.85 * 1000 * 0.01)
= 990.8816
T = -0.91%
R = -0.91%
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 8.413338 118.85889
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 118.79519 1187.9519
1.000
FORMULA: 1000*(1+T)= 1187.9519 - (0.85 * 1000 * 0.01)
= 1179.4519
T = 17.95%
R = 17.95%
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 8.457573 118.23723
FEE 31-Dec-95 0.637000637 8.781696 0.07254
FEE 31-Dec-96 0.637000637 9.074305 0.07020
FEE 31-Dec-97 0.637000637 9.388379 0.06785
FEE 31-Dec-98 0.637000637 9.707285 0.06562
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.89732 1178.9732
5.000
FORMULA: 1000*(1+T)= 1178.9732
= 1178.973248
T = 3.35%
R = 17.90%
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 8.187663 122.13497
FEE 31-Dec-95 0.637000637 9.233011 0.06899
FEE 31-Dec-96 0.637000637 10.164015 0.06267
FEE 31-Dec-97 0.637000637 11.178496 0.05698
FEE 31-Dec-98 0.637000637 10.308724 0.06179
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 121.82083 1218.2083
5.000
FORMULA: 1000*(1+T)= 1218.2083
= 1218.208309
T = 4.03%
R = 21.82%
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 2.364797 422.86920
FEE 31-Dec-95 0.637000637 3.350516 0.19012
FEE 31-Dec-96 0.637000637 3.700905 0.17212
FEE 31-Dec-97 0.637000637 5.000621 0.12738
FEE 31-Dec-98 0.637000637 6.413433 0.09932
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 422.21655 4222.1655
5.000
FORMULA: 1000*(1+T)= 4222.1655
= 4222.165531
T = 33.39%
R = 322.22%
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 7.443598 134.34364
FEE 31-Dec-95 0.637000637 9.123073 0.06982
FEE 31-Dec-96 0.637000637 9.108114 0.06994
FEE 31-Dec-97 0.637000637 9.949810 0.06402
FEE 31-Dec-98 0.637000637 10.630282 0.05992
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 134.01623 1340.1623
5.000
FORMULA: 1000*(1+T)= 1340.1623
= 1340.162341
T = 6.03%
R = 34.02%
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 5.127736 195.01784
FEE 31-Dec-95 0.637000637 5.510531 0.11560
FEE 31-Dec-96 0.637000637 6.231054 0.10223
FEE 31-Dec-97 0.637000637 6.966491 0.09144
FEE 31-Dec-98 0.637000637 8.667469 0.07349
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 194.57138 1945.7138
5.000
FORMULA: 1000*(1+T)= 1945.7138
= 1945.713777
T = 14.24%
R = 94.57%
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 4.621668 216.37208
FEE 31-Dec-95 0.637000637 6.163235 0.10335
FEE 31-Dec-96 0.637000637 7.510684 0.08481
FEE 31-Dec-97 0.637000637 9.275022 0.06868
FEE 31-Dec-98 0.637000637 10.420626 0.06113
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 215.99040 2159.9040
5.000
FORMULA: 1000*(1+T)= 2159.9040
= 2159.90401
T = 16.65%
R = 115.99%
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 4.393512 227.60835
FEE 31-Dec-95 0.637000637 5.552837 0.11472
FEE 31-Dec-96 0.637000637 5.932601 0.10737
FEE 31-Dec-97 0.637000637 7.416393 0.08589
FEE 31-Dec-98 0.637000637 9.023963 0.07059
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 227.16608 2271.6608
5.000
FORMULA: 1000*(1+T)= 2271.6608
= 2271.660781
T = 17.83%
R = 127.17%
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 3.585356 278.91230
FEE 31-Dec-95 0.637000637 4.431955 0.14373
FEE 31-Dec-96 0.637000637 5.663643 0.11247
FEE 31-Dec-97 0.637000637 6.463779 0.09855
FEE 31-Dec-98 0.637000637 7.877807 0.08086
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 278.41299 2784.1299
5.000
FORMULA: 1000*(1+T)= 2784.1299
= 2784.129921
T = 22.73%
R = 178.41%
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 3.679245 271.79486
FEE 31-Dec-95 0.637000637 4.831879 0.13183
FEE 31-Dec-96 0.637000637 5.298489 0.12022
FEE 31-Dec-97 0.637000637 6.487605 0.09819
FEE 31-Dec-98 0.637000637 7.630590 0.08348
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 271.29744 2712.9744
5.000
FORMULA: 1000*(1+T)= 2712.9744
= 2712.974396
T = 22.09%
R = 171.30%
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 10.586009 94.46430
FEE 31-Dec-95 0.637000637 11.113432 0.05732
FEE 31-Dec-96 0.637000637 11.349782 0.05612
FEE 31-Dec-97 0.637000637 6.951598 0.09163
FEE 31-Dec-98 0.637000637 6.123688 0.10402
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 94.09150 940.9150
5.000
FORMULA: 1000*(1+T)= 940.9150
= 940.915045
T = -1.21%
R = -5.91%
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 5.239481 190.85861
FEE 31-Dec-95 0.637000637 6.297513 0.10115
FEE 31-Dec-96 0.637000637 7.279625 0.08750
FEE 31-Dec-97 0.637000637 8.018593 0.07944
FEE 31-Dec-98 0.637000637 8.871480 0.07180
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 190.45501 1904.5501
5.000
FORMULA: 1000*(1+T)= 1904.5501
= 1904.550093
T = 13.75%
R = 90.46%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 9.362326 0.06804
FEE 31-Dec-98 0.637000637 9.500367 0.06705
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 6.188183 0.10294
FEE 31-Dec-98 0.637000637 7.275725 0.08755
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.573321 0.08411
FEE 31-Dec-98 0.637000637 8.104270 0.07860
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 7.089496 0.08985
FEE 31-Dec-97 0.637000637 7.008947 0.09088
FEE 31-Dec-98 0.637000637 5.210971 0.12224
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 2.683315 0.23739
FEE 31-Dec-96 0.637000637 3.084836 0.20649
FEE 31-Dec-97 0.637000637 3.661442 0.17398
FEE 31-Dec-98 0.637000637 4.964186 0.12832
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 12.001172 0.05308
FEE 31-Dec-98 0.637000637 10.297629 0.06186
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 8.066303 0.07897
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 8.497540 0.07496
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 2.779055 359.83455
FEE 31-Dec-95 0.637000637 3.695891 0.17235
FEE 31-Dec-96 0.637000637 4.668738 0.13644
FEE 31-Dec-97 0.637000637 5.968031 0.10674
FEE 31-Dec-98 0.637000637 7.552974 0.08434
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 359.27099 3592.7099
5.000
FORMULA: 1000*(1+T)= 3592.7099
= 3592.709877
T = 29.15%
R = 259.27%
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 3.720195 268.80308
FEE 31-Dec-95 0.637000637 4.967082 0.12824
FEE 31-Dec-96 0.637000637 6.059755 0.10512
FEE 31-Dec-97 0.637000637 7.673208 0.08302
FEE 31-Dec-98 0.637000637 9.119800 0.06985
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 268.35316 2683.5316
5.000
FORMULA: 1000*(1+T)= 2683.5316
= 2683.531558
T = 21.83%
R = 168.35%
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 3.543609 282.19821
FEE 31-Dec-95 0.637000637 4.739200 0.13441
FEE 31-Dec-96 0.637000637 5.491774 0.11599
FEE 31-Dec-97 0.637000637 6.143719 0.10368
FEE 31-Dec-98 0.637000637 7.015822 0.09079
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 281.68963 2816.8963
5.000
FORMULA: 1000*(1+T)= 2816.8963
= 2816.896307
T = 23.01%
R = 181.69%
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 3.148531 317.60839
FEE 31-Dec-95 0.637000637 4.182342 0.15231
FEE 31-Dec-96 0.637000637 4.867467 0.13087
FEE 31-Dec-97 0.637000637 6.086429 0.10466
FEE 31-Dec-98 0.637000637 7.502406 0.08491
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 317.07195 3170.7195
5.000
FORMULA: 1000*(1+T)= 3170.7195
= 3170.719509
T = 25.96%
R = 217.07%
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 3.388402 295.12433
FEE 31-Dec-95 0.637000637 4.550408 0.13999
FEE 31-Dec-96 0.637000637 5.158292 0.12349
FEE 31-Dec-97 0.637000637 6.288421 0.10130
FEE 31-Dec-98 0.637000637 7.810702 0.08155
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 294.61430 2946.1430
5.000
FORMULA: 1000*(1+T)= 2946.1430
= 2946.142987
T = 24.12%
R = 194.61%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 5.431342 0.11728
FEE 31-Dec-98 0.637000637 6.339675 0.10048
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 2.750933 363.51310
FEE 31-Dec-95 0.637000637 3.802700 0.16751
FEE 31-Dec-96 0.637000637 4.221346 0.15090
FEE 31-Dec-97 0.637000637 5.248029 0.12138
FEE 31-Dec-98 0.637000637 6.420709 0.09921
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 362.91040 3629.1040
5.000
FORMULA: 1000*(1+T)= 3629.1040
= 3629.103963
T = 29.41%
R = 262.91%
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 4.483565 223.03678
FEE 31-Dec-95 0.637000637 6.023357 0.10576
FEE 31-Dec-96 0.637000637 7.216209 0.08827
FEE 31-Dec-97 0.637000637 8.803509 0.07236
FEE 31-Dec-98 0.637000637 9.999814 0.06370
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 222.64299 2226.4299
5.000
FORMULA: 1000*(1+T)= 2226.4299
= 2226.429899
T = 17.36%
R = 122.64%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.564440 0.08421
FEE 31-Dec-98 0.637000637 8.413338 0.07571
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
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 5.433548 184.04179
1 FEE 09-Mar-85 0.637000637 5.642660 0.11289 0.06
2 FEE 09-Mar-86 0.637000637 5.973698 0.10663 0.05
3 FEE 09-Mar-87 0.637000637 6.230801 0.10223 0.05
4 09-Mar-88 0.637000637 6.524434 0.09763 0.04
5 09-Mar-89 0.637000637 6.903345 0.09227 0.03
6 09-Mar-90 0.637000637 7.392747 0.08617 0.02
7 09-Mar-91 0.637000637 7.824308 0.08141 0
8 09-Mar-92 0.637000637 8.097608 0.07867 0
9 09-Mar-93 0.637000637 8.215897 0.07753 0
10 09-Mar-94 0.637000637 8.297817 0.07677 0
11 09-Mar-95 0.637000637 8.515333 0.07481 0
12 09-Mar-96 0.637000637 8.838318 0.07207 0
13 09-Mar-97 0.637000637 9.127732 0.06979 0
14 FEE 09-Mar-98 0.637000637 9.448707 0.06742 0
15 FEE 09-Mar-99 0.637000637 9.759225 0.06527 0
RESULTING VALUE 31-Dec-99 10.000000 182.78023 1827.8023
15.811
FORMULA: 1000*(1+T)= 1827.8023
= 1827.802294
T = 3.89%
R = 82.78%
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 3.851777 259.62041
1 FEE 09-Mar-85 0.637000637 4.302231 0.14806 0.06
2 FEE 09-Mar-86 0.637000637 5.440572 0.11708 0.05
3 FEE 09-Mar-87 0.637000637 6.397256 0.09957 0.05
4 09-Mar-88 0.637000637 6.060950 0.10510 0.04
5 09-Mar-89 0.637000637 6.448928 0.09878 0.03
6 09-Mar-90 0.637000637 5.028694 0.12667 0.02
7 09-Mar-91 0.637000637 4.565500 0.13952 0
8 09-Mar-92 0.637000637 6.903379 0.09227 0
9 09-Mar-93 0.637000637 7.501265 0.08492 0
10 09-Mar-94 0.637000637 8.782282 0.07253 0
11 09-Mar-95 0.637000637 8.292401 0.07682 0
12 09-Mar-96 0.637000637 9.450271 0.06741 0
13 09-Mar-97 0.637000637 10.166270 0.06266 0
14 FEE 09-Mar-98 0.637000637 11.359342 0.05608 0
15 FEE 09-Mar-99 0.637000637 10.174591 0.06261 0
RESULTING VALUE 31-Dec-99 10.000000 258.21033 2582.1033
15.811
FORMULA: 1000*(1+T)= 2582.1033
= 2582.103252
T = 6.18%
R = 158.21%
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 0.848840 1178.07795
1 FEE 09-Mar-85 0.637000637 0.966806 0.65887 0.06
2 FEE 09-Mar-86 0.637000637 1.233694 0.51634 0.05
3 FEE 09-Mar-87 0.637000637 1.526776 0.41722 0.05
4 09-Mar-88 0.637000637 1.306917 0.48741 0.04
5 09-Mar-89 0.637000637 1.336651 0.47656 0.03
6 09-Mar-90 0.637000637 1.435315 0.44381 0.02
7 09-Mar-91 0.637000637 1.674272 0.38046 0
8 09-Mar-92 0.637000637 2.048694 0.31093 0
9 09-Mar-93 0.637000637 2.289239 0.27826 0
10 09-Mar-94 0.637000637 2.667622 0.23879 0
11 09-Mar-95 0.637000637 2.472995 0.25758 0
12 09-Mar-96 0.637000637 3.359332 0.18962 0
13 09-Mar-97 0.637000637 3.991550 0.15959 0
14 FEE 09-Mar-98 0.637000637 5.323300 0.11966 0
15 FEE 09-Mar-99 0.637000637 6.983195 0.09122 0
RESULTING VALUE 31-Dec-99 10.000000 1173.05163 11730.5163
15.811
FORMULA: 1000*(1+T)= 11730.5163
= 11730.51632
T = 16.85%
R = 1073.05%
NLIC VAII QUALITY INCOME
02-Mar-87
TO NO. YEARS 12.832
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Mar-87 1000.00 4.734956 211.19520
1 FEE 02-Mar-88 0.637000637 4.985843 0.12776 0.06
2 FEE 02-Mar-89 0.637000637 5.074697 0.12552 0.05
3 FEE 02-Mar-90 0.637000637 5.494342 0.11594 0.05
4 02-Mar-91 0.637000637 6.036570 0.10552 0.04
5 02-Mar-92 0.637000637 6.785034 0.09388 0.03
6 02-Mar-93 0.637000637 7.708551 0.08264 0.02
7 02-Mar-94 0.637000637 7.941116 0.08022 0
8 02-Mar-95 0.637000637 7.800163 0.08167 0
9 02-Mar-96 0.637000637 8.911768 0.07148 0
10 02-Mar-97 0.637000637 9.125152 0.06981 0
11 02-Mar-98 0.637000637 9.986418 0.06379 0
12 02-Mar-99 0.637000637 10.342045 0.06159 0
13 31-Dec-99 0.637000637 10.000000 0.06370 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 210.05169 2100.5169
12.832
FORMULA: 1000*(1+T)= 2100.5169
= 2100.516878
T = 5.95%
R = 110.05%
NLIC VAII STRATEGIST
02-Mar-87
TO NO. YEARS 12.832
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Mar-87 1000.00 2.889695 346.05733
1 FEE 02-Mar-88 0.637000637 3.106941 0.20503 0.06
2 FEE 02-Mar-89 0.637000637 3.233013 0.19703 0.05
3 FEE 02-Mar-90 0.637000637 3.484543 0.18281 0.05
4 02-Mar-91 0.637000637 3.876628 0.16432 0.04
5 02-Mar-92 0.637000637 4.423812 0.14399 0.03
6 02-Mar-93 0.637000637 4.760912 0.13380 0.02
7 02-Mar-94 0.637000637 5.065242 0.12576 0
8 02-Mar-95 0.637000637 5.167231 0.12328 0
9 02-Mar-96 0.637000637 5.675519 0.11224 0
10 02-Mar-97 0.637000637 6.463074 0.09856 0
11 02-Mar-98 0.637000637 7.425540 0.08579 0
12 02-Mar-99 0.637000637 8.705248 0.07317 0
13 31-Dec-99 0.637000637 10.000000 0.06370 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 344.34786 3443.4786
12.832
FORMULA: 1000*(1+T)= 3443.4786
= 3443.478632
T = 10.12%
R = 244.35%
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 3.541217 282.38882
1 FEE 01-Mar-91 0.637000637 3.633438 0.17532 0.06
2 FEE 01-Mar-92 0.637000637 4.062480 0.15680 0.05
3 FEE 01-Mar-93 0.637000637 4.446399 0.14326 0.05
4 01-Mar-94 0.637000637 4.765962 0.13366 0.04
5 01-Mar-95 0.637000637 4.890565 0.13025 0.03
6 01-Mar-96 0.637000637 6.531543 0.09753 0.02
7 01-Mar-97 0.637000637 7.787259 0.08180 0
8 01-Mar-98 0.637000637 9.849613 0.06467 0
9 01-Mar-99 0.637000637 10.189635 0.06251 0
10 31-Dec-99 0.637000637 10.000000 0.06370 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 281.27932 2812.7932
9.834
FORMULA: 1000*(1+T)= 2812.7932
= 2812.793237
T = 11.09%
R = 181.28%
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 3.189917 313.48777
1 FEE 01-Mar-91 0.637000637 3.392195 0.18778 0.06
2 FEE 01-Mar-92 0.637000637 3.753183 0.16972 0.05
3 FEE 01-Mar-93 0.637000637 4.636081 0.13740 0.05
4 01-Mar-94 0.637000637 4.658551 0.13674 0.04
5 01-Mar-95 0.637000637 4.560231 0.13969 0.03
6 01-Mar-96 0.637000637 5.585636 0.11404 0.02
7 01-Mar-97 0.637000637 5.985747 0.10642 0
8 01-Mar-98 0.637000637 7.619218 0.08360 0
9 01-Mar-99 0.637000637 8.689661 0.07331 0
10 31-Dec-99 0.637000637 10.000000 0.06370 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 312.27536 3122.7536
9.834
FORMULA: 1000*(1+T)= 3122.7536
= 3122.753639
T = 12.28%
R = 212.28%
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 2.375307 420.99826
1 FEE 01-Mar-92 0.637000637 2.439579 0.26111 0.06
2 FEE 01-Mar-93 0.637000637 2.534374 0.25134 0.05
3 FEE 01-Mar-94 0.637000637 3.473350 0.18340 0.05
4 01-Mar-95 0.637000637 3.670115 0.17356 0.04
5 01-Mar-96 0.637000637 4.653448 0.13689 0.03
6 01-Mar-97 0.637000637 5.682166 0.11211 0.02
7 01-Mar-98 0.637000637 7.295335 0.08732 0
8 01-Mar-99 0.637000637 7.737350 0.08233 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 419.64651 4196.4651
8.835
FORMULA: 1000*(1+T)= 4196.4651
= 4196.465083
T = 17.63%
R = 319.65%
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 3.292992 303.67516
1 FEE 01-Mar-92 0.637000637 3.984375 0.15987 0.06
2 FEE 01-Mar-93 0.637000637 3.873078 0.16447 0.05
3 FEE 01-Mar-94 0.637000637 3.827626 0.16642 0.05
4 01-Mar-95 0.637000637 3.946185 0.16142 0.04
5 01-Mar-96 0.637000637 5.093167 0.12507 0.03
6 01-Mar-97 0.637000637 5.445800 0.11697 0.02
7 01-Mar-98 0.637000637 7.011400 0.09085 0
8 01-Mar-99 0.637000637 7.571984 0.08413 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 302.54226 3025.4226
8.835
FORMULA: 1000*(1+T)= 3025.4226
= 3025.422586
T = 13.35%
R = 202.54%
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 11.628658 85.99444
1 FEE 22-Feb-95 0.637000637 9.997452 0.06372 0.06
2 FEE 22-Feb-96 0.637000637 12.010798 0.05304 0.05
3 FEE 22-Feb-97 0.637000637 11.458736 0.05559 0.05
4 22-Feb-98 0.637000637 6.980462 0.09125 0.04
5 22-Feb-99 0.637000637 5.895071 0.10806 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 85.55909 855.5909
5.854
FORMULA: 1000*(1+T)= 855.5909
= 838.590889
T = -2.96%
R = -16.14%
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 5.310335 188.31205
1 FEE 24-Feb-95 0.637000637 5.274171 0.12078 0.06
2 FEE 24-Feb-96 0.637000637 6.507028 0.09789 0.05
3 FEE 24-Feb-97 0.637000637 7.355022 0.08661 0.05
4 24-Feb-98 0.637000637 8.360878 0.07619 0.04
5 24-Feb-99 0.637000637 8.656842 0.07358 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 187.79330 1877.9330
5.848
FORMULA: 1000*(1+T)= 1877.9330
= 1860.932977
T = 11.20%
R = 86.09%
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 7.773449 128.64303
1 FEE 21-Jan-98 0.637000637 9.337276 0.06822 0.06
2 FEE 21-Jan-99 0.637000637 9.582195 0.06648 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 128.44463 1284.4463
2.940
FORMULA: 1000*(1+T)= 1284.4463
= 1241.946263
T = 7.65%
R = 24.19%
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 4.718438 211.93456
1 FEE 02-Jan-98 0.637000637 6.173119 0.10319 0.06
2 FEE 02-Jan-99 0.637000637 7.241707 0.08796 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 211.67971 2116.7971
2.992
FORMULA: 1000*(1+T)= 2116.7971
= 2074.297122
T = 27.61%
R = 107.43%
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 7.159717 139.67033
1 FEE 02-Jan-98 0.637000637 7.601903 0.08379 0.06
2 FEE 02-Jan-99 0.637000637 8.219415 0.07750 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 139.44534 1394.4534
2.992
FORMULA: 1000*(1+T)= 1394.4534
= 1351.953366
T = 10.60%
R = 35.20%
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 7.275173 137.45377
1 FEE 01-Oct-97 0.637000637 8.662055 0.07354 0.06
2 FEE 01-Oct-98 0.637000637 4.405970 0.14458 0.05
3 FEE 01-Oct-99 0.637000637 6.707564 0.09497 0.05
4 31-Dec-99 0.637000637 10.000000 0.06370 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 137.07699 1370.7699
3.247
FORMULA: 1000*(1+T)= 1370.7699
= 1336.769909
T = 9.35%
R = 33.68%
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 2.307812 433.31092
1 FEE 03-Jul-96 0.637000637 3.122994 0.20397 0.06
2 FEE 03-Jul-97 0.637000637 3.409858 0.18681 0.05
3 FEE 03-Jul-98 0.637000637 4.462987 0.14273 0.05
4 03-Jul-99 0.637000637 6.161495 0.10338 0.04
5 31-Dec-99 0.637000637 10.000000 0.06370 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 432.61032 4326.1032
4.496
FORMULA: 1000*(1+T)= 4326.1032
= 4300.60322
T = 38.33%
R = 330.06%
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 10.294478 97.13946
1 FEE 04-Mar-98 0.637000637 11.719359 0.05435 0.06
2 FEE 04-Mar-99 0.637000637 9.915524 0.06424 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 96.95716 969.5716
2.825
FORMULA: 1000*(1+T)= 969.5716
= 927.0716152
T = -2.64%
R = -7.29%
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 8.309889 120.33855
1 FEE 18-May-99 0.637000637 8.382339 0.07599 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 120.19885 1201.9885
1.621
FORMULA: 1000*(1+T)= 1201.9885
= 1159.488543
T = 9.56%
R = 15.95%
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 7.654001 130.65063
1 FEE 18-May-99 0.637000637 9.180691 0.06938 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 130.51754 1305.1754
1.621
FORMULA: 1000*(1+T)= 1305.1754
= 1262.675425
T = 15.48%
R = 26.27%
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 6.923157 144.44278
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 144.37908 1443.7908
0.663
FORMULA: 1000*(1+T)= 1443.7908
= 1392.79079
T = 64.88%
R = 39.28%
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 9.958394 100.41779
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 100.35409 1003.5409
0.663
FORMULA: 1000*(1+T)= 1003.5409
= 952.5409436
T = -7.08%
R = -4.75%
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 8.901458 112.34114
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 112.27744 1122.7744
0.465
FORMULA: 1000*(1+T)= 1122.7744
= 1071.774408
T = 16.06%
R = 7.18%
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 2.652184 377.04771
1 FEE 15-Sep-95 0.637000637 3.560119 0.17893 0.06
2 FEE 15-Sep-96 0.637000637 4.131658 0.15418 0.05
3 FEE 15-Sep-97 0.637000637 5.617951 0.11339 0.05
4 15-Sep-98 0.637000637 5.902582 0.10792 0.04
5 15-Sep-99 0.637000637 8.153006 0.07813 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 376.35147 3763.5147
5.292
FORMULA: 1000*(1+T)= 3763.5147
= 3746.514727
T = 28.35%
R = 274.65%
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 3.199782 312.52134
1 FEE 14-Jan-92 0.637000637 3.258193 0.19551 0.06
2 FEE 14-Jan-93 0.637000637 3.457662 0.18423 0.05
3 FEE 14-Jan-94 0.637000637 3.797341 0.16775 0.05
4 14-Jan-95 0.637000637 3.720195 0.17123 0.04
5 14-Jan-96 0.637000637 4.816094 0.13226 0.03
6 14-Jan-97 0.637000637 6.203514 0.10268 0.02
7 14-Jan-98 0.637000637 7.495057 0.08499 0
8 14-Jan-99 0.637000637 8.976139 0.07097 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 311.34802 3113.4802
8.961
FORMULA: 1000*(1+T)= 3113.4802
= 3113.480201
T = 13.51%
R = 211.35%
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 2.963555 337.43255
1 FEE 05-May-94 0.637000637 3.493187 0.18236 0.06
2 FEE 05-May-95 0.637000637 3.892968 0.16363 0.05
3 FEE 05-May-96 0.637000637 5.265544 0.12098 0.05
4 05-May-97 0.637000637 5.517984 0.11544 0.04
5 05-May-98 0.637000637 6.962153 0.09149 0.03
6 05-May-99 0.637000637 7.202746 0.08844 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 336.60652 3366.0652
6.656
FORMULA: 1000*(1+T)= 3366.0652
= 3366.065182
T = 20.00%
R = 236.61%
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 2.988317 334.63657
1 FEE 05-May-94 0.637000637 3.138452 0.20297 0.06
2 FEE 05-May-95 0.637000637 3.506891 0.18164 0.05
3 FEE 05-May-96 0.637000637 4.426668 0.14390 0.05
4 05-May-97 0.637000637 5.209970 0.12227 0.04
5 05-May-98 0.637000637 7.012265 0.09084 0.03
6 05-May-99 0.637000637 8.001152 0.07961 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 333.75164 3337.5164
6.656
FORMULA: 1000*(1+T)= 3337.5164
= 3337.51635
T = 19.85%
R = 233.75%
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 2.905417 344.18470
1 FEE 05-May-94 0.637000637 3.374102 0.18879 0.06
2 FEE 05-May-95 0.637000637 3.813246 0.16705 0.05
3 FEE 05-May-96 0.637000637 4.592394 0.13871 0.05
4 05-May-97 0.637000637 5.523291 0.11533 0.04
5 05-May-98 0.637000637 7.101431 0.08970 0.03
6 05-May-99 0.637000637 8.494556 0.07499 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 343.34643 3433.4643
6.656
FORMULA: 1000*(1+T)= 3433.4643
= 3433.464294
T = 20.36%
R = 243.35%
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 4.759237 210.11773
1 FEE 02-Jan-98 0.637000637 5.459332 0.11668 0.06
2 FEE 02-Jan-99 0.637000637 6.339675 0.10048 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 209.83687 2098.3687
2.992
FORMULA: 1000*(1+T)= 2098.3687
= 2055.86875
T = 27.23%
R = 105.59%
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 1.201956 831.97737
1 FEE 01-Feb-89 0.637000637 1.292118 0.49299 0.06
2 FEE 01-Feb-90 0.637000637 1.407207 0.45267 0.05
3 FEE 01-Feb-91 0.637000637 1.625220 0.39195 0.05
4 01-Feb-92 0.637000637 2.192065 0.29059 0.04
5 01-Feb-93 0.637000637 2.392771 0.26622 0.03
6 01-Feb-94 0.637000637 2.825740 0.22543 0.02
7 01-Feb-95 0.637000637 2.773933 0.22964 0
8 01-Feb-96 0.637000637 3.865353 0.16480 0
9 01-Feb-97 0.637000637 4.404259 0.14463 0
10 01-Feb-98 0.637000637 5.229515 0.12181 0
11 01-Feb-99 0.637000637 6.707928 0.09496 0
12 31-Dec-99 0.637000637 10.000000 0.06370 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 829.03798 8290.3798
11.912
FORMULA: 1000*(1+T)= 8290.3798
= 8290.379789
T = 19.43%
R = 729.04%
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 2.275598 439.44484
1 FEE 01-Feb-89 0.637000637 2.826475 0.22537 0.06
2 FEE 01-Feb-90 0.637000637 3.074561 0.20718 0.05
3 FEE 01-Feb-91 0.637000637 3.325747 0.19154 0.05
4 01-Feb-92 0.637000637 3.766292 0.16913 0.04
5 01-Feb-93 0.637000637 4.099087 0.15540 0.03
6 01-Feb-94 0.637000637 4.667896 0.13646 0.02
7 01-Feb-95 0.637000637 4.588344 0.13883 0
8 01-Feb-96 0.637000637 6.171025 0.10322 0
9 01-Feb-97 0.637000637 7.510617 0.08481 0
10 01-Feb-98 0.637000637 8.821498 0.07221 0
11 01-Feb-99 0.637000637 10.053114 0.06336 0
12 31-Dec-99 0.637000637 10.000000 0.06370 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 437.83361 4378.3361
11.912
FORMULA: 1000*(1+T)= 4378.3361
= 4378.336134
T = 13.20%
R = 337.83%
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 5.445402 183.64119
1 FEE 02-Jan-98 0.637000637 7.529765 0.08460 0.06
2 FEE 02-Jan-99 0.637000637 8.373398 0.07607 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 183.41681 1834.1681
2.992
FORMULA: 1000*(1+T)= 1834.1681
= 1791.668146
T = 21.52%
R = 79.17%
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 31-Dec-89 1000.00 7.307160 136.85208
FEE 31-Dec-90 0.637000637 7.754188 0.08215
FEE 31-Dec-91 0.637000637 8.061978 0.07901
FEE 31-Dec-92 0.637000637 8.198319 0.07770
FEE 31-Dec-93 0.637000637 8.281720 0.07692
FEE 31-Dec-94 0.637000637 8.457573 0.07532
FEE 31-Dec-95 0.637000637 8.781696 0.07254
FEE 31-Dec-96 0.637000637 9.074305 0.07020
FEE 31-Dec-97 0.637000637 9.388379 0.06785
FEE 31-Dec-98 0.637000637 9.707285 0.06562
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 136.12108 1361.2108
10.000
FORMULA: 1000*(1+T)= 1361.2108 - (0.85 * 1000 * 0)
= 1361.210766
T = 3.13%
R = 36.12%
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 31-Dec-89 1000.00 5.337971 187.33711
FEE 31-Dec-90 0.637000637 3.840835 0.16585
FEE 31-Dec-91 0.637000637 5.990957 0.10633
FEE 31-Dec-92 0.637000637 6.975439 0.09132
FEE 31-Dec-93 0.637000637 8.516274 0.07480
FEE 31-Dec-94 0.637000637 8.187663 0.07780
FEE 31-Dec-95 0.637000637 9.233011 0.06899
FEE 31-Dec-96 0.637000637 10.164015 0.06267
FEE 31-Dec-97 0.637000637 11.178496 0.05698
FEE 31-Dec-98 0.637000637 10.308724 0.06179
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 186.50687 1865.0687
10.000
FORMULA: 1000*(1+T)= 1865.0687 - (0.85 * 1000 * 0)
= 1865.068704
T = 6.43%
R = 86.51%
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 31-Dec-89 1000.00 1.489492 671.37003
FEE 31-Dec-90 0.637000637 1.411275 0.45137
FEE 31-Dec-91 0.637000637 2.206793 0.28865
FEE 31-Dec-92 0.637000637 2.172981 0.29315
FEE 31-Dec-93 0.637000637 2.557422 0.24908
FEE 31-Dec-94 0.637000637 2.364797 0.26937
FEE 31-Dec-95 0.637000637 3.350516 0.19012
FEE 31-Dec-96 0.637000637 3.700905 0.17212
FEE 31-Dec-97 0.637000637 5.000621 0.12738
FEE 31-Dec-98 0.637000637 6.413433 0.09932
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 669.16577 6691.6577
10.000
FORMULA: 1000*(1+T)= 6691.6577 - (0.85 * 1000 * 0)
= 6691.657725
T = 20.94%
R = 569.17%
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 31-Dec-89 1000.00 5.615604 178.07522
FEE 31-Dec-90 0.637000637 5.899596 0.10797
FEE 31-Dec-91 0.637000637 6.873621 0.09267
FEE 31-Dec-92 0.637000637 7.317171 0.08706
FEE 31-Dec-93 0.637000637 8.128588 0.07837
FEE 31-Dec-94 0.637000637 7.443598 0.08558
FEE 31-Dec-95 0.637000637 9.123073 0.06982
FEE 31-Dec-96 0.637000637 9.108114 0.06994
FEE 31-Dec-97 0.637000637 9.949810 0.06402
FEE 31-Dec-98 0.637000637 10.630282 0.05992
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 177.29617 1772.9617
10.000
FORMULA: 1000*(1+T)= 1772.9617 - (0.85 * 1000 * 0)
= 1772.961716
T = 5.89%
R = 77.30%
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 31-Dec-89 1000.00 3.480273 287.33377
FEE 31-Dec-90 0.637000637 3.474519 0.18333
FEE 31-Dec-91 0.637000637 4.381409 0.14539
FEE 31-Dec-92 0.637000637 4.619273 0.13790
FEE 31-Dec-93 0.637000637 5.013472 0.12706
FEE 31-Dec-94 0.637000637 5.127736 0.12423
FEE 31-Dec-95 0.637000637 5.510531 0.11560
FEE 31-Dec-96 0.637000637 6.231054 0.10223
FEE 31-Dec-97 0.637000637 6.966491 0.09144
FEE 31-Dec-98 0.637000637 8.667469 0.07349
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 286.16940 2861.6940
10.000
FORMULA: 1000*(1+T)= 2861.6940 - (0.85 * 1000 * 0)
= 2861.694011
T = 11.09%
R = 186.17%
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 1.584944 630.93707
FEE 31-Dec-90 0.637000637 1.525831 0.41748
FEE 31-Dec-91 0.637000637 2.190439 0.29081
FEE 31-Dec-92 0.637000637 2.375422 0.26816
FEE 31-Dec-93 0.637000637 2.770732 0.22990
FEE 31-Dec-94 0.637000637 2.750933 0.23156
FEE 31-Dec-95 0.637000637 3.802700 0.16751
FEE 31-Dec-96 0.637000637 4.221346 0.15090
FEE 31-Dec-97 0.637000637 5.248029 0.12138
FEE 31-Dec-98 0.637000637 6.420709 0.09921
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 628.89646 6288.9646
10.000
FORMULA: 1000*(1+T)= 6288.9646 - (0.85 * 1000 * 0)
= 6288.964578
T = 20.19%
R = 528.90%
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 31-Dec-89 1000.00 3.203514 312.15718
FEE 31-Dec-90 0.637000637 3.209689 0.19846
FEE 31-Dec-91 0.637000637 3.754737 0.16965
FEE 31-Dec-92 0.637000637 4.049451 0.15731
FEE 31-Dec-93 0.637000637 4.546863 0.14010
FEE 31-Dec-94 0.637000637 4.483565 0.14207
FEE 31-Dec-95 0.637000637 6.023357 0.10576
FEE 31-Dec-96 0.637000637 7.216209 0.08827
FEE 31-Dec-97 0.637000637 8.803509 0.07236
FEE 31-Dec-98 0.637000637 9.999814 0.06370
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 310.95581 3109.5581
10.000
FORMULA: 1000*(1+T)= 3109.5581 - (0.85 * 1000 * 0)
= 3109.558056
T = 12.01%
R = 210.96%
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99
<S> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.312145 136.75879
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 136.69509 1366.9509
1.000
FORMULA: 1000*(1+T)= 1366.9509 - (0.85 * 1000 * 0.01)
= 1358.4509
T = 35.85%
R = 35.85%
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 8.144856 122.77688
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 122.71318 1227.1318
1.000
FORMULA: 1000*(1+T)= 1227.1318 - (0.85 * 1000 * 0.01)
= 1218.6318
T = 21.86%
R = 21.86%
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 5.237004 190.94887
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 190.88517 1908.8517
1.000
FORMULA: 1000*(1+T)= 1908.8517 - (0.85 * 1000 * 0.01)
= 1900.3517
T = 90.04%
R = 90.04%
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 4.988999 200.44101
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 200.37731 2003.7731
1.000
FORMULA: 1000*(1+T)= 2003.7731 - (0.85 * 1000 * 0.01)
= 1995.2731
T = 99.53%
R = 99.53%
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 10.349249 96.62537
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.56167 965.6167
1.000
FORMULA: 1000*(1+T)= 965.6167 - (0.85 * 1000 * 0.01)
= 957.1167
T = -4.29%
R = -4.29%
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 7.271099 137.53079
1 FEE 16-Mar-99 0.637001 7.847326 0.08117 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 137.38592 1373.8592
1.793
FORMULA: 1000*(1+T)= 1373.8592
= 1331.3592
T = 17.30%
R = 33.14%
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 8.389541 119.19604
1 FEE 16-Mar-99 0.637001 8.170083 0.07797 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 119.05437 1190.5437
1.793
FORMULA: 1000*(1+T)= 1190.5437
= 1148.0437
T = 8.00%
R = 14.80%
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 7.447383 134.27535
1 FEE 16-Mar-99 0.637001 5.759022 0.11061 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 134.10105 1341.0105
1.793
FORMULA: 1000*(1+T)= 1341.0105
= 1298.5105
T = 15.68%
R = 29.85%
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 4.178268 239.33361
1 FEE 16-Mar-99 0.637001 5.518352 0.11543 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 239.15448 2391.5448
1.793
FORMULA: 1000*(1+T)= 2391.5448
= 2349.0448
T = 61.00%
R = 134.90%
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 11.737465 85.19727
1 FEE 18-May-99 0.637001 11.111977 0.05733 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 85.07625 850.7625
1.621
FORMULA: 1000*(1+T)= 850.7625
= 808.26246
T = -12.31%
R = -19.17%
<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 Non-Standardized Performance
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
Fund Date AUV AUV AUV AUV AUV AUV AUV
Equity Growth 03/16/98 7.271098987 N/A N/A N/A N/A 7.312144503 7.312144503
International Magnum 03/16/98 8.389540503 N/A N/A N/A N/A 8.144855691 8.144855691
Emerging Markets 03/16/98 7.447383032 N/A N/A N/A N/A 5.23700411 5.23700411
Emerging Growth 03/16/98 4.178268146 N/A N/A N/A N/A 4.988998913 4.988998913
Real Estate 05/18/98 11.73746511 N/A N/A N/A N/A 10.34924874 10.34924874
3 Months Today's Inception Ten Years Five Years
Fund AUV AUV Total Average Total Average Total Average
Equity Growth 8.249282348 10 37.53% 19.43% N/A N/A N/A N/A
International Magnum 8.962910187 10 19.20% 10.28% N/A N/A N/A N/A
Emerging Markets 6.723493259 10 34.28% 17.85% N/A N/A N/A N/A
Emerging Growth 6.258052444 10 139.33% 62.63% N/A N/A N/A N/A
Real Estate 10.15032048 10 -14.80% -9.41% N/A N/A N/A N/A
Three Years Two Years One Year YTD Three Months
Fund Total Average Total Average
Equity Growth N/A N/A N/A N/A 36.76% 36.76% 21.22%
International Magnum N/A N/A N/A N/A 22.78% 22.78% 11.57%
Emerging Markets N/A N/A N/A N/A 90.95% 90.95% 48.73%
Emerging Growth N/A N/A N/A N/A 100.44% 100.44% 59.79%
Real Estate N/A N/A N/A N/A -3.37% -3.37% -1.48%
<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 9.755935 102.50170
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 102.43800 1024.3800
1.000
FORMULA: 1000*(1+T)= 1024.3800 - (0.85 * 1000 * 0.01)
= 1015.8800
T = 1.59%
R = 1.59%
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 10.360392 96.52144
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.45774 964.5774
1.000
FORMULA: 1000*(1+T)= 964.5774 - (0.85 * 1000 * 0.01)
= 956.0774
T = -4.39%
R = -4.39%
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 6.445508 155.14682
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.08312 1550.8312
1.000
FORMULA: 1000*(1+T)= 1550.8312 - (0.85 * 1000 * 0.01)
= 1542.3312
T = 54.23%
R = 54.23%
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 10.683588 93.60151
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 93.53781 935.3781
1.000
FORMULA: 1000*(1+T)= 935.3781 - (0.85 * 1000 * 0.01)
= 926.8781
T = -7.31%
R = -7.31%
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 8.710885 114.79890
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 114.73520 1147.3520
1.000
FORMULA: 1000*(1+T)= 1147.3520 - (0.85 * 1000 * 0.01)
= 1138.8520
T = 13.89%
R = 13.89%
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 10.472861 95.48489
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 95.42119 954.2119
1.000
FORMULA: 1000*(1+T)= 954.2119 - (0.85 * 1000 * 0.01)
= 945.7119
T = -5.43%
R = -5.43%
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 9.069173 110.26364
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 110.19994 1101.9994
1.000
FORMULA: 1000*(1+T)= 1101.9994 - (0.85 * 1000 * 0.01)
= 1093.4994
T = 9.35%
R = 9.35%
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 7.917237 126.30668
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 126.24298 1262.4298
1.000
FORMULA: 1000*(1+T)= 1262.4298 - (0.85 * 1000 * 0.01)
= 1253.9298
T = 25.39%
R = 25.39%
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 7.668778 130.39887
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.33517 1303.3517
1.000
FORMULA: 1000*(1+T)= 1303.3517 - (0.85 * 1000 * 0.01)
= 1294.8517
T = 29.49%
R = 29.49%
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 6.154319 162.48751
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 162.42381 1624.2381
1.000
FORMULA: 1000*(1+T)= 1624.2381 - (0.85 * 1000 * 0.01)
= 1615.7381
T = 61.57%
R = 61.57%
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 8.915919 112.15893
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 112.09523 1120.9523
1.000
FORMULA: 1000*(1+T)= 1120.9523 - (0.85 * 1000 * 0.01)
= 1112.4523
T = 11.25%
R = 11.25%
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 9.547977 104.73423
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 104.67053 1046.7053
1.000
FORMULA: 1000*(1+T)= 1046.7053 - (0.85 * 1000 * 0.01)
= 1038.2053
T = 3.82%
R = 3.82%
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 7.312145 136.75879
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 136.69509 1366.9509
1.000
FORMULA: 1000*(1+T)= 1366.9509 - (0.85 * 1000 * 0.01)
= 1358.4509
T = 35.85%
R = 35.85%
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 8.144856 122.77688
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 122.71318 1227.1318
1.000
FORMULA: 1000*(1+T)= 1227.1318 - (0.85 * 1000 * 0.01)
= 1218.6318
T = 21.86%
R = 21.86%
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 5.237004 190.94887
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 190.88517 1908.8517
1.000
FORMULA: 1000*(1+T)= 1908.8517 - (0.85 * 1000 * 0.01)
= 1900.3517
T = 90.04%
R = 90.04%
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 4.988999 200.44101
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 200.37731 2003.7731
1.000
FORMULA: 1000*(1+T)= 2003.7731 - (0.85 * 1000 * 0.01)
= 1995.2731
T = 99.53%
R = 99.53%
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 10.349249 96.62537
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.56167 965.6167
1.000
FORMULA: 1000*(1+T)= 965.6167 - (0.85 * 1000 * 0.01)
= 957.1167
T = -4.29%
R = -4.29%
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 8.106695 123.35483
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.29113 1232.9113
1.000
FORMULA: 1000*(1+T)= 1232.9113 - (0.85 * 1000 * 0.01)
= 1224.4113
T = 22.44%
R = 22.44%
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 8.540098 117.09467
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.03097 1170.3097
1.000
FORMULA: 1000*(1+T)= 1170.3097 - (0.85 * 1000 * 0.01)
= 1161.8097
T = 16.18%
R = 16.18%
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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 7.590807 131.73830
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 131.67460 1316.7460
1.000
FORMULA: 1000*(1+T)= 1316.7460 - (0.85 * 1000 * 0.01)
= 1308.2460
T = 30.82%
R = 30.82%
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 9.165503 109.10476
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 109.04106 1090.4106
1.000
FORMULA: 1000*(1+T)= 1090.4106 - (0.85 * 1000 * 0.01)
= 1081.9106
T = 8.19%
R = 8.19%
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 7.050946 141.82494
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 141.76124 1417.6124
1.000
FORMULA: 1000*(1+T)= 1417.6124 - (0.85 * 1000 * 0.01)
= 1409.1124
T = 40.91%
R = 40.91%
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 7.539967 132.62658
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.56288 1325.6288
1.000
FORMULA: 1000*(1+T)= 1325.6288 - (0.85 * 1000 * 0.01)
= 1317.1288
T = 31.71%
R = 31.71%
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 7.849810 127.39162
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 127.32792 1273.2792
1.000
FORMULA: 1000*(1+T)= 1273.2792 - (0.85 * 1000 * 0.01)
= 1264.7792
T = 26.48%
R = 26.48%
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 6.387183 156.56355
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 156.49985 1564.9985
1.000
FORMULA: 1000*(1+T)= 1564.9985 - (0.85 * 1000 * 0.01)
= 1556.4985
T = 55.65%
R = 55.65%
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 6.452795 154.97160
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 154.90790 1549.0790
1.000
FORMULA: 1000*(1+T)= 1549.0790 - (0.85 * 1000 * 0.01)
= 1540.5790
T = 54.06%
R = 54.06%
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 10.049972 99.50277
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 99.43907 994.3907
1.000
FORMULA: 1000*(1+T)= 994.3907 - (0.85 * 1000 * 0.01)
= 985.8907
T = -1.41%
R = -1.41%
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 8.455499 118.26623
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 118.20253 1182.0253
1.000
FORMULA: 1000*(1+T)= 1182.0253 - (0.85 * 1000 * 0.01)
= 1173.5253
T = 17.35%
R = 17.35%
Aim Aggressive 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 7.048184 141.88052
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 141.81682 1418.1682
1.000
FORMULA: 1000*(1+T)= 1418.1682 - (0.85 * 1000 * 0.01)
= 1409.6682
T = 40.97%
R = 40.97%
Aim Blue Chip
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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
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 5.027137 198.92039
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 198.85669 1988.5669
1.000
FORMULA: 1000*(1+T)= 1988.5669 - (0.85 * 1000 * 0.01)
= 1980.0669
T = 98.01%
R = 98.01%
Putnam New Opp.
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 6.029888 165.84057
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 165.77687 1657.7687
1.000
FORMULA: 1000*(1+T)= 1657.7687 - (0.85 * 1000 * 0.01)
= 1649.2687
T = 64.93%
R = 64.93%
Putnam OTC & Emerging Gr.
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 4.502884 222.07990
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 222.01620 2220.1620
1.000
FORMULA: 1000*(1+T)= 2220.1620 - (0.85 * 1000 * 0.01)
= 2211.6620
T = 121.17%
R = 121.17%
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 8.671641 115.31843
FEE 31-Dec-95 0.637000637 8.959314 0.07110
FEE 31-Dec-96 0.637000637 9.211423 0.06915
FEE 31-Dec-97 0.637000637 9.482719 0.06717
FEE 31-Dec-98 0.637000637 9.755935 0.06529
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 114.98201 1149.8201
5.000
FORMULA: 1000*(1+T)= 1149.8201
= 1149.8201
T = 2.83%
R = 14.98%
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 8.394892 119.12006
FEE 31-Dec-95 0.637000637 9.419760 0.06762
FEE 31-Dec-96 0.637000637 10.317612 0.06174
FEE 31-Dec-97 0.637000637 11.290849 0.05642
FEE 31-Dec-98 0.637000637 10.360392 0.06148
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 118.80910 1188.0910
5.000
FORMULA: 1000*(1+T)= 1188.0910
= 1188.090955
T = 3.51%
R = 18.81%
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 2.424600 412.43919
FEE 31-Dec-95 0.637000637 3.418223 0.18635
FEE 31-Dec-96 0.637000637 3.756753 0.16956
FEE 31-Dec-97 0.637000637 5.050794 0.12612
FEE 31-Dec-98 0.637000637 6.445508 0.09883
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 411.79463 4117.9463
5.000
FORMULA: 1000*(1+T)= 4117.9463
= 4117.946255
T = 32.72%
R = 311.79%
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 7.631998 131.02728
FEE 31-Dec-95 0.637000637 9.307624 0.06844
FEE 31-Dec-96 0.637000637 9.245756 0.06890
FEE 31-Dec-97 0.637000637 10.049813 0.06338
FEE 31-Dec-98 0.637000637 10.683588 0.05962
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.70324 1307.0324
5.000
FORMULA: 1000*(1+T)= 1307.0324
= 1307.032391
T = 5.50%
R = 30.70%
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 5.257468 190.20561
FEE 31-Dec-95 0.637000637 5.621929 0.11331
FEE 31-Dec-96 0.637000637 6.325148 0.10071
FEE 31-Dec-97 0.637000637 7.036443 0.09053
FEE 31-Dec-98 0.637000637 8.710885 0.07313
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 189.76424 1897.6424
5.000
FORMULA: 1000*(1+T)= 1897.6424
= 1897.642385
T = 13.67%
R = 89.76%
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 4.738583 211.03357
FEE 31-Dec-95 0.637000637 6.287837 0.10131
FEE 31-Dec-96 0.637000637 7.624129 0.08355
FEE 31-Dec-97 0.637000637 9.368212 0.06800
FEE 31-Dec-98 0.637000637 10.472861 0.06082
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 210.65620 2106.5620
5.000
FORMULA: 1000*(1+T)= 2106.5620
= 2106.561952
T = 16.07%
R = 110.66%
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 4.504664 221.99213
FEE 31-Dec-95 0.637000637 5.665100 0.11244
FEE 31-Dec-96 0.637000637 6.022189 0.10578
FEE 31-Dec-97 0.637000637 7.490881 0.08504
FEE 31-Dec-98 0.637000637 9.069173 0.07024
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 221.55493 2215.5493
5.000
FORMULA: 1000*(1+T)= 2215.5493
= 2215.549337
T = 17.25%
R = 121.55%
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 3.676027 272.03279
FEE 31-Dec-95 0.637000637 4.521509 0.14088
FEE 31-Dec-96 0.637000637 5.749135 0.11080
FEE 31-Dec-97 0.637000637 6.528643 0.09757
FEE 31-Dec-98 0.637000637 7.917237 0.08046
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 271.53938 2715.3938
5.000
FORMULA: 1000*(1+T)= 2715.3938
= 2715.393829
T = 22.11%
R = 171.54%
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 3.772310 265.08959
FEE 31-Dec-95 0.637000637 4.929549 0.12922
FEE 31-Dec-96 0.637000637 5.378488 0.11843
FEE 31-Dec-97 0.637000637 6.552733 0.09721
FEE 31-Dec-98 0.637000637 7.668778 0.08306
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 264.59796 2645.9796
5.000
FORMULA: 1000*(1+T)= 2645.9796
= 2645.979591
T = 21.48%
R = 164.60%
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 10.854117 92.13094
FEE 31-Dec-95 0.637000637 11.338356 0.05618
FEE 31-Dec-96 0.637000637 11.521396 0.05529
FEE 31-Dec-97 0.637000637 7.021440 0.09072
FEE 31-Dec-98 0.637000637 6.154319 0.10350
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 91.76155 917.6155
5.000
FORMULA: 1000*(1+T)= 917.6155
= 917.6154606
T = -1.70%
R = -8.24%
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 5.372051 186.14863
FEE 31-Dec-95 0.637000637 6.424846 0.09915
FEE 31-Dec-96 0.637000637 7.389589 0.08620
FEE 31-Dec-97 0.637000637 8.099138 0.07865
FEE 31-Dec-98 0.637000637 8.915919 0.07145
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 185.74948 1857.4948
5.000
FORMULA: 1000*(1+T)= 1857.4948
= 1857.494823
T = 13.18%
R = 85.75%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 9.456403 0.06736
FEE 31-Dec-98 0.637000637 9.547977 0.06672
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 6.250302 0.10192
FEE 31-Dec-98 0.637000637 7.312145 0.08712
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.649372 0.08327
FEE 31-Dec-98 0.637000637 8.144856 0.07821
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 7.196572 0.08851
FEE 31-Dec-97 0.637000637 7.079318 0.08998
FEE 31-Dec-98 0.637000637 5.237004 0.12163
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 2.737541 0.23269
FEE 31-Dec-96 0.637000637 3.131389 0.20342
FEE 31-Dec-97 0.637000637 3.698165 0.17225
FEE 31-Dec-98 0.637000637 4.988999 0.12768
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 12.121844 0.05255
FEE 31-Dec-98 0.637000637 10.349249 0.06155
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 8.106695 0.07858
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 8.540098 0.07459
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 2.849093 350.98885
FEE 31-Dec-95 0.637000637 3.770506 0.16894
FEE 31-Dec-96 0.637000637 4.739252 0.13441
FEE 31-Dec-97 0.637000637 6.027973 0.10567
FEE 31-Dec-98 0.637000637 7.590807 0.08392
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 350.43221 3504.3221
5.000
FORMULA: 1000*(1+T)= 3504.3221
= 3504.322099
T = 28.51%
R = 250.43%
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 3.813931 262.19669
FEE 31-Dec-95 0.637000637 5.067380 0.12571
FEE 31-Dec-96 0.637000637 6.151298 0.10356
FEE 31-Dec-97 0.637000637 7.750301 0.08219
FEE 31-Dec-98 0.637000637 9.165503 0.06950
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 261.75204 2617.5204
5.000
FORMULA: 1000*(1+T)= 2617.5204
= 2617.520404
T = 21.22%
R = 161.75%
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 3.633324 275.23005
FEE 31-Dec-95 0.637000637 4.835030 0.13175
FEE 31-Dec-96 0.637000637 5.574720 0.11427
FEE 31-Dec-97 0.637000637 6.205412 0.10265
FEE 31-Dec-98 0.637000637 7.050946 0.09034
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 274.72734 2747.2734
5.000
FORMULA: 1000*(1+T)= 2747.2734
= 2747.273437
T = 22.40%
R = 174.73%
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 3.228223 309.76798
FEE 31-Dec-95 0.637000637 4.266886 0.14929
FEE 31-Dec-96 0.637000637 4.940959 0.12892
FEE 31-Dec-97 0.637000637 6.147533 0.10362
FEE 31-Dec-98 0.637000637 7.539967 0.08448
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 309.23797 3092.3797
5.000
FORMULA: 1000*(1+T)= 3092.3797
= 3092.379708
T = 25.33%
R = 209.24%
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 3.474163 287.83911
FEE 31-Dec-95 0.637000637 4.642394 0.13721
FEE 31-Dec-96 0.637000637 5.236181 0.12165
FEE 31-Dec-97 0.637000637 6.351559 0.10029
FEE 31-Dec-98 0.637000637 7.849810 0.08115
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 287.33511 2873.3511
5.000
FORMULA: 1000*(1+T)= 2873.3511
= 2873.351059
T = 23.50%
R = 187.34%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 5.511030 0.11559
FEE 31-Dec-98 0.637000637 6.387183 0.09973
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 2.820505 354.54645
FEE 31-Dec-95 0.637000637 3.879446 0.16420
FEE 31-Dec-96 0.637000637 4.285055 0.14866
FEE 31-Dec-97 0.637000637 5.300676 0.12017
FEE 31-Dec-98 0.637000637 6.452795 0.09872
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 353.95101 3539.5101
5.000
FORMULA: 1000*(1+T)= 3539.5101
= 3539.51006
T = 28.76%
R = 253.95%
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 4.597015 217.53245
FEE 31-Dec-95 0.637000637 6.145000 0.10366
FEE 31-Dec-96 0.637000637 7.325244 0.08696
FEE 31-Dec-97 0.637000637 8.891996 0.07164
FEE 31-Dec-98 0.637000637 10.049972 0.06338
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 217.14311 2171.4311
5.000
FORMULA: 1000*(1+T)= 2171.4311
= 2171.431105
T = 16.77%
R = 117.14%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.640447 0.08337
FEE 31-Dec-98 0.637000637 8.455499 0.07534
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Aggressive 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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 7.048184 0.09038
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Blue Chip
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 4.441333 0.14343
FEE 31-Dec-98 0.637000637 5.027137 0.12671
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam New Opp.
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 2.678852 373.29427
FEE 31-Dec-95 0.637000637 3.800329 0.16762
FEE 31-Dec-96 0.637000637 4.099851 0.15537
FEE 31-Dec-97 0.637000637 4.949556 0.12870
FEE 31-Dec-98 0.637000637 6.029888 0.10564
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 372.67325 3726.7325
5.000
FORMULA: 1000*(1+T)= 3726.7325
= 3726.732456
T = 30.10%
R = 272.67%
Putnam OTC & Emerging Gr.
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 4.502884 0.14147
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
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 5.880458 170.05479
1 FEE 09-Mar-85 0.637000637 6.076467 0.10483 0.06
2 FEE 09-Mar-86 0.637000637 6.400968 0.09952 0.05
3 FEE 09-Mar-87 0.637000637 6.642986 0.09589 0.05
4 09-Mar-88 0.637000637 6.921282 0.09204 0.04
5 09-Mar-89 0.637000637 7.286806 0.08742 0.03
6 09-Mar-90 0.637000637 7.764487 0.08204 0.02
7 09-Mar-91 0.637000637 8.176887 0.07790 0
8 09-Mar-92 0.637000637 8.420093 0.07565 0
9 09-Mar-93 0.637000637 8.500581 0.07494 0
10 09-Mar-94 0.637000637 8.542522 0.07457 0
11 09-Mar-95 0.637000637 8.722735 0.07303 0
12 09-Mar-96 0.637000637 9.008464 0.07071 0
13 09-Mar-97 0.637000637 9.257286 0.06881 0
14 FEE 09-Mar-98 0.637000637 9.534769 0.06681 0
15 FEE 09-Mar-99 0.637000637 9.799005 0.06501 0
RESULTING VALUE 31-Dec-99 10.000000 168.84564 1688.4564
15.811
FORMULA: 1000*(1+T)= 1688.4564
= 1688.456393
T = 3.37%
R = 68.85%
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 4.168578 239.88997
1 FEE 09-Mar-85 0.637000637 4.632983 0.13749 0.06
2 FEE 09-Mar-86 0.637000637 5.829724 0.10927 0.05
3 FEE 09-Mar-87 0.637000637 6.820474 0.09340 0.05
4 09-Mar-88 0.637000637 6.429593 0.09907 0.04
5 09-Mar-89 0.637000637 6.807133 0.09358 0.03
6 09-Mar-90 0.637000637 5.281520 0.12061 0.02
7 09-Mar-91 0.637000637 4.771180 0.13351 0
8 09-Mar-92 0.637000637 7.178276 0.08874 0
9 09-Mar-93 0.637000637 7.761170 0.08208 0
10 09-Mar-94 0.637000637 9.041280 0.07045 0
11 09-Mar-95 0.637000637 8.494366 0.07499 0
12 09-Mar-96 0.637000637 9.632204 0.06613 0
13 09-Mar-97 0.637000637 10.310576 0.06178 0
14 FEE 09-Mar-98 0.637000637 11.462835 0.05557 0
15 FEE 09-Mar-99 0.637000637 10.216068 0.06235 0
RESULTING VALUE 31-Dec-99 10.000000 238.54095 2385.4095
15.811
FORMULA: 1000*(1+T)= 2385.4095
= 2385.409482
T = 5.65%
R = 138.54%
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 0.918651 1088.55310
1 FEE 09-Mar-85 0.637000637 1.041127 0.61184 0.06
2 FEE 09-Mar-86 0.637000637 1.321928 0.48187 0.05
3 FEE 09-Mar-87 0.637000637 1.627769 0.39133 0.05
4 09-Mar-88 0.637000637 1.386385 0.45947 0.04
5 09-Mar-89 0.637000637 1.410869 0.45150 0.03
6 09-Mar-90 0.637000637 1.507455 0.42257 0.02
7 09-Mar-91 0.637000637 1.749684 0.36407 0
8 09-Mar-92 0.637000637 2.130244 0.29903 0
9 09-Mar-93 0.637000637 2.368518 0.26894 0
10 09-Mar-94 0.637000637 2.746241 0.23195 0
11 09-Mar-95 0.637000637 2.533174 0.25146 0
12 09-Mar-96 0.637000637 3.423939 0.18604 0
13 09-Mar-97 0.637000637 4.048128 0.15736 0
14 FEE 09-Mar-98 0.637000637 5.371715 0.11858 0
15 FEE 09-Mar-99 0.637000637 7.011616 0.09085 0
RESULTING VALUE 31-Dec-99 10.000000 1083.76623 10837.6623
15.811
FORMULA: 1000*(1+T)= 10837.6623
= 10837.66234
T = 16.27%
R = 983.77%
NLIC VAII QUALITY INCOME
02-Mar-87
TO NO. YEARS 12.832
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Mar-87 1000.00 5.048690 198.07119
1 FEE 02-Mar-88 0.637000637 5.289625 0.12042 0.06
2 FEE 02-Mar-89 0.637000637 5.357098 0.11891 0.05
3 FEE 02-Mar-90 0.637000637 5.771167 0.11038 0.05
4 02-Mar-91 0.637000637 6.309185 0.10096 0.04
5 02-Mar-92 0.637000637 7.055919 0.09028 0.03
6 02-Mar-93 0.637000637 7.976433 0.07986 0.02
7 02-Mar-94 0.637000637 8.176109 0.07791 0
8 02-Mar-95 0.637000637 7.990915 0.07972 0
9 02-Mar-96 0.637000637 9.084213 0.07012 0
10 02-Mar-97 0.637000637 9.255569 0.06882 0
11 02-Mar-98 0.637000637 10.078368 0.06320 0
12 02-Mar-99 0.637000637 10.385216 0.06134 0
13 31-Dec-99 0.637000637 10.000000 0.06370 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 196.96556 1969.6556
12.832
FORMULA: 1000*(1+T)= 1969.6556
= 1969.655629
T = 5.42%
R = 96.97%
NLIC VAII STRATEGIST
02-Mar-87
TO NO. YEARS 12.832
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Mar-87 1000.00 3.081114 324.55794
1 FEE 02-Mar-88 0.637000637 3.296190 0.19325 0.06
2 FEE 02-Mar-89 0.637000637 3.412875 0.18665 0.05
3 FEE 02-Mar-90 0.637000637 3.660055 0.17404 0.05
4 02-Mar-91 0.637000637 4.051651 0.15722 0.04
5 02-Mar-92 0.637000637 4.600372 0.13847 0.03
6 02-Mar-93 0.637000637 4.926298 0.12931 0.02
7 02-Mar-94 0.637000637 5.215066 0.12215 0
8 02-Mar-95 0.637000637 5.293539 0.12034 0
9 02-Mar-96 0.637000637 5.785272 0.11011 0
10 02-Mar-97 0.637000637 6.555375 0.09717 0
11 02-Mar-98 0.637000637 7.493853 0.08500 0
12 02-Mar-99 0.637000637 8.741557 0.07287 0
13 31-Dec-99 0.637000637 10.000000 0.06370 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 322.90767 3229.0767
12.832
FORMULA: 1000*(1+T)= 3229.0767
= 3229.076746
T = 9.56%
R = 222.91%
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 3.719615 268.84505
1 FEE 01-Mar-91 0.637000637 3.797461 0.16774 0.06
2 FEE 01-Mar-92 0.637000637 4.224769 0.15078 0.05
3 FEE 01-Mar-93 0.637000637 4.600901 0.13845 0.05
4 01-Mar-94 0.637000637 4.906990 0.12981 0.04
5 01-Mar-95 0.637000637 5.010167 0.12714 0.03
6 01-Mar-96 0.637000637 6.657865 0.09568 0.02
7 01-Mar-97 0.637000637 7.898501 0.08065 0
8 01-Mar-98 0.637000637 9.940698 0.06408 0
9 01-Mar-99 0.637000637 10.232299 0.06225 0
10 31-Dec-99 0.637000637 10.000000 0.06370 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 267.76476 2677.6476
9.834
FORMULA: 1000*(1+T)= 2677.6476
= 2677.647594
T = 10.53%
R = 167.76%
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 3.350641 298.45032
1 FEE 01-Mar-91 0.637000637 3.545347 0.17967 0.06
2 FEE 01-Mar-92 0.637000637 3.903136 0.16320 0.05
3 FEE 01-Mar-93 0.637000637 4.797206 0.13279 0.05
4 01-Mar-94 0.637000637 4.796421 0.13281 0.04
5 01-Mar-95 0.637000637 4.671762 0.13635 0.03
6 01-Mar-96 0.637000637 5.693658 0.11188 0.02
7 01-Mar-97 0.637000637 6.071229 0.10492 0
8 01-Mar-98 0.637000637 7.689640 0.08284 0
9 01-Mar-99 0.637000637 8.726025 0.07300 0
10 31-Dec-99 0.637000637 10.000000 0.06370 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 297.26917 2972.6917
9.834
FORMULA: 1000*(1+T)= 2972.6917
= 2972.691658
T = 11.72%
R = 197.27%
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 2.482529 402.81510
1 FEE 01-Mar-92 0.637000637 2.537024 0.25108 0.06
2 FEE 01-Mar-93 0.637000637 2.622416 0.24291 0.05
3 FEE 01-Mar-94 0.637000637 3.576096 0.17813 0.05
4 01-Mar-95 0.637000637 3.759836 0.16942 0.04
5 01-Mar-96 0.637000637 4.743395 0.13429 0.03
6 01-Mar-97 0.637000637 5.763280 0.11053 0.02
7 01-Mar-98 0.637000637 7.362712 0.08652 0
8 01-Mar-99 0.637000637 7.769697 0.08199 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 401.49654 4014.9654
8.835
FORMULA: 1000*(1+T)= 4014.9654
= 4014.965388
T = 17.04%
R = 301.50%
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 3.441662 290.55726
1 FEE 01-Mar-92 0.637000637 4.143565 0.15373 0.06
2 FEE 01-Mar-93 0.637000637 4.007659 0.15895 0.05
3 FEE 01-Mar-94 0.637000637 3.940878 0.16164 0.05
4 01-Mar-95 0.637000637 4.042683 0.15757 0.04
5 01-Mar-96 0.637000637 5.191653 0.12270 0.03
6 01-Mar-97 0.637000637 5.523557 0.11532 0.02
7 01-Mar-98 0.637000637 7.076179 0.09002 0
8 01-Mar-99 0.637000637 7.603645 0.08378 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 289.44985 2894.4985
8.835
FORMULA: 1000*(1+T)= 2894.4985
= 2894.498538
T = 12.78%
R = 189.45%
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 11.974269 83.51240
1 FEE 22-Feb-95 0.637000637 10.243201 0.06219 0.06
2 FEE 22-Feb-96 0.637000637 12.244697 0.05202 0.05
3 FEE 22-Feb-97 0.637000637 11.623713 0.05480 0.05
4 22-Feb-98 0.637000637 7.045678 0.09041 0.04
5 22-Feb-99 0.637000637 5.920253 0.10760 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 83.08169 830.8169
5.854
FORMULA: 1000*(1+T)= 830.8169
= 813.8168543
T = -3.46%
R = -18.62%
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 5.467869 182.88660
1 FEE 24-Feb-95 0.637000637 5.403548 0.11789 0.06
2 FEE 24-Feb-96 0.637000637 6.633523 0.09603 0.05
3 FEE 24-Feb-97 0.637000637 7.460506 0.08538 0.05
4 24-Feb-98 0.637000637 8.438512 0.07549 0.04
5 24-Feb-99 0.637000637 8.693655 0.07327 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 182.37485 1823.7485
5.848
FORMULA: 1000*(1+T)= 1823.7485
= 1806.748467
T = 10.64%
R = 80.67%
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 7.888614 126.76498
1 FEE 21-Jan-98 0.637000637 9.428391 0.06756 0.06
2 FEE 21-Jan-99 0.637000637 9.627448 0.06617 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 126.56755 1265.6755
2.940
FORMULA: 1000*(1+T)= 1265.6755
= 1223.175521
T = 7.09%
R = 22.32%
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 4.789527 208.78888
1 FEE 02-Jan-98 0.637000637 6.234916 0.10217 0.06
2 FEE 02-Jan-99 0.637000637 7.277856 0.08753 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 208.53549 2085.3549
2.992
FORMULA: 1000*(1+T)= 2085.3549
= 2042.854894
T = 26.96%
R = 104.29%
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 7.267662 137.59583
1 FEE 02-Jan-98 0.637000637 7.678032 0.08296 0.06
2 FEE 02-Jan-99 0.637000637 8.260465 0.07711 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 137.37205 1373.7205
2.992
FORMULA: 1000*(1+T)= 1373.7205
= 1331.220484
T = 10.03%
R = 33.12%
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 7.394247 135.24027
1 FEE 01-Oct-97 0.637000637 8.759972 0.07272 0.06
2 FEE 01-Oct-98 0.637000637 4.433490 0.14368 0.05
3 FEE 01-Oct-99 0.637000637 6.715873 0.09485 0.05
4 31-Dec-99 0.637000637 10.000000 0.06370 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 134.86533 1348.6533
3.247
FORMULA: 1000*(1+T)= 1348.6533
= 1314.653257
T = 8.79%
R = 31.47%
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 2.360225 423.68842
1 FEE 03-Jul-96 0.637000637 3.177984 0.20044 0.06
2 FEE 03-Jul-97 0.637000637 3.452603 0.18450 0.05
3 FEE 03-Jul-98 0.637000637 4.496470 0.14167 0.05
4 03-Jul-99 0.637000637 6.176830 0.10313 0.04
5 31-Dec-99 0.637000637 10.000000 0.06370 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 422.99498 4229.9498
4.496
FORMULA: 1000*(1+T)= 4229.9498
= 4204.449846
T = 37.64%
R = 320.44%
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 10.441072 95.77560
1 FEE 04-Mar-98 0.637000637 11.826982 0.05386 0.06
2 FEE 04-Mar-99 0.637000637 9.956634 0.06398 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 95.59407 955.9407
2.825
FORMULA: 1000*(1+T)= 955.9407
= 913.440663
T = -3.15%
R = -8.66%
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 8.377502 119.36732
1 FEE 18-May-99 0.637000637 8.408423 0.07576 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 119.22787 1192.2787
1.621
FORMULA: 1000*(1+T)= 1192.2787
= 1149.778663
T = 8.99%
R = 14.98%
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 7.716275 129.59621
1 FEE 18-May-99 0.637000637 9.209285 0.06917 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 129.46334 1294.6334
1.621
FORMULA: 1000*(1+T)= 1294.6334
= 1252.133446
T = 14.88%
R = 25.21%
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 6.946102 143.96564
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 143.90194 1439.0194
0.663
FORMULA: 1000*(1+T)= 1439.0194
= 1388.019382
T = 64.03%
R = 38.80%
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 9.991462 100.08545
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 100.02175 1000.2175
0.663
FORMULA: 1000*(1+T)= 1000.2175
= 949.2175215
T = -7.56%
R = -5.08%
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 8.922199 112.07999
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 112.01629 1120.1629
0.465
FORMULA: 1000*(1+T)= 1120.1629
= 1069.1629
T = 15.45%
R = 6.92%
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 2.722963 367.24705
1 FEE 15-Sep-95 0.637000637 3.638040 0.17509 0.06
2 FEE 15-Sep-96 0.637000637 4.200189 0.15166 0.05
3 FEE 15-Sep-97 0.637000637 5.682696 0.11209 0.05
4 15-Sep-98 0.637000637 5.940830 0.10722 0.04
5 15-Sep-99 0.637000637 8.164943 0.07802 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 366.55926 3665.5926
5.292
FORMULA: 1000*(1+T)= 3665.5926
= 3648.592643
T = 27.71%
R = 264.86%
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 3.345863 298.87652
1 FEE 14-Jan-92 0.637000637 3.390622 0.18787 0.06
2 FEE 14-Jan-93 0.637000637 3.580322 0.17792 0.05
3 FEE 14-Jan-94 0.637000637 3.912558 0.16281 0.05
4 14-Jan-95 0.637000637 3.813931 0.16702 0.04
5 14-Jan-96 0.637000637 4.912401 0.12967 0.03
6 14-Jan-97 0.637000637 6.296024 0.10118 0.02
7 14-Jan-98 0.637000637 7.568906 0.08416 0
8 14-Jan-99 0.637000637 9.019390 0.07063 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 297.73157 2977.3157
8.961
FORMULA: 1000*(1+T)= 2977.3157
= 2977.315658
T = 12.95%
R = 197.73%
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 3.063822 326.38975
1 FEE 05-May-94 0.637000637 3.593371 0.17727 0.06
2 FEE 05-May-95 0.637000637 3.984648 0.15986 0.05
3 FEE 05-May-96 0.637000637 5.362787 0.11878 0.05
4 05-May-97 0.637000637 5.591734 0.11392 0.04
5 05-May-98 0.637000637 7.020045 0.09074 0.03
6 05-May-99 0.637000637 7.226440 0.08815 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 325.57733 3255.7733
6.656
FORMULA: 1000*(1+T)= 3255.7733
= 3255.77331
T = 19.41%
R = 225.58%
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 3.089403 323.68718
1 FEE 05-May-94 0.637000637 3.228441 0.19731 0.06
2 FEE 05-May-95 0.637000637 3.589455 0.17746 0.05
3 FEE 05-May-96 0.637000637 4.508389 0.14129 0.05
4 05-May-97 0.637000637 5.279587 0.12065 0.04
5 05-May-98 0.637000637 7.070563 0.09009 0.03
6 05-May-99 0.637000637 8.027486 0.07935 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 322.81731 3228.1731
6.656
FORMULA: 1000*(1+T)= 3228.1731
= 3228.173129
T = 19.25%
R = 222.82%
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 3.003694 332.92345
1 FEE 05-May-94 0.637000637 3.470846 0.18353 0.06
2 FEE 05-May-95 0.637000637 3.903024 0.16321 0.05
3 FEE 05-May-96 0.637000637 4.677172 0.13619 0.05
4 05-May-97 0.637000637 5.597104 0.11381 0.04
5 05-May-98 0.637000637 7.160474 0.08896 0.03
6 05-May-99 0.637000637 8.522522 0.07474 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 332.09931 3320.9931
6.656
FORMULA: 1000*(1+T)= 3320.9931
= 3320.99306
T = 19.76%
R = 232.10%
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 4.857956 205.84789
1 FEE 02-Jan-98 0.637000637 5.539249 0.11500 0.06
2 FEE 02-Jan-99 0.637000637 6.387183 0.09973 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 205.56946 2055.6946
2.992
FORMULA: 1000*(1+T)= 2055.6946
= 2013.194616
T = 26.34%
R = 101.32%
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 1.275686 783.89221
1 FEE 01-Feb-89 0.637000637 1.364537 0.46683 0.06
2 FEE 01-Feb-90 0.637000637 1.478663 0.43080 0.05
3 FEE 01-Feb-91 0.637000637 1.699233 0.37488 0.05
4 01-Feb-92 0.637000637 2.280506 0.27932 0.04
5 01-Feb-93 0.637000637 2.476858 0.25718 0.03
6 01-Feb-94 0.637000637 2.910452 0.21887 0.02
7 01-Feb-95 0.637000637 2.842840 0.22407 0
8 01-Feb-96 0.637000637 3.941640 0.16161 0
9 01-Feb-97 0.637000637 4.468833 0.14254 0
10 01-Feb-98 0.637000637 5.279735 0.12065 0
11 01-Feb-99 0.637000637 6.738501 0.09453 0
12 31-Dec-99 0.637000637 10.000000 0.06370 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 781.05723 7810.5723
11.912
FORMULA: 1000*(1+T)= 7810.5723
= 7810.57234
T = 18.83%
R = 681.06%
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 4.830889 207.00123
1 FEE 01-Feb-89 0.637000637 5.551267 0.11475 0.06
2 FEE 01-Feb-90 0.637000637 6.685545 0.09528 0.05
3 FEE 01-Feb-91 0.637000637 3.477241 0.18319 0.05
4 01-Feb-92 0.637000637 3.918280 0.16257 0.04
5 01-Feb-93 0.637000637 4.243183 0.15012 0.03
6 01-Feb-94 0.637000637 4.807894 0.13249 0.02
7 01-Feb-95 0.637000637 4.702385 0.13546 0
8 01-Feb-96 0.637000637 6.292903 0.10123 0
9 01-Feb-97 0.637000637 7.620866 0.08359 0
10 01-Feb-98 0.637000637 8.906391 0.07152 0
11 01-Feb-99 0.637000637 10.099112 0.06307 0
12 31-Dec-99 0.637000637 10.000000 0.06370 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 205.64425 2056.4425
11.912
FORMULA: 1000*(1+T)= 2056.4425
= 2056.442541
T = 6.24%
R = 105.64%
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 5.527505 180.91344
1 FEE 02-Jan-98 0.637000637 7.605214 0.08376 0.06
2 FEE 02-Jan-99 0.637000637 8.415244 0.07570 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 180.69029 1806.9029
2.992
FORMULA: 1000*(1+T)= 1806.9029
= 1764.402897
T = 20.89%
R = 76.44%
Aim Aggressive Growth
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 7.249398 137.94249
1 FEE 01-May-99 0.637000637 6.910731 0.09218 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 137.78662 1377.8662
1.667
FORMULA: 1000*(1+T)= 1377.8662
= 1335.366183
T = 18.94%
R = 33.54%
Aim Blue Chip
29-Dec-99
TO NO. YEARS 0.005
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-99 1000.00 10.001069 99.98932
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 99.92562 999.2562
0.005
FORMULA: 1000*(1+T)= 999.2562
= 948.2561529
T = -99.99%
R = -5.17%
Putnam International New Opp.
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 4.539768 220.27556
1 FEE 02-Jan-98 0.637000637 4.458659 0.14287 0.06
2 FEE 02-Jan-99 0.637000637 5.027137 0.12671 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 219.94228 2199.4228
2.992
FORMULA: 1000*(1+T)= 2199.4228
= 2156.922811
T = 29.29%
R = 115.69%
Putnam New Opp.
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 2.510683 398.29796
1 FEE 02-May-95 0.637000637 2.862590 0.22253 0.06
2 FEE 02-May-96 0.637000637 4.343409 0.14666 0.05
3 FEE 02-May-97 0.637000637 4.004928 0.15905 0.05
4 02-May-98 0.637000637 5.724216 0.11128 0.04
5 02-May-99 0.637000637 6.401990 0.09950 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 397.49524 3974.9524
5.665
FORMULA: 1000*(1+T)= 3974.9524
= 3957.952433
T = 27.49%
R = 295.80%
Putnam OTC & Emerging Gr.
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 4.524977 220.99559
1 FEE 30-Apr-99 0.637000637 5.064493 0.12578 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 220.80611 2208.0611
1.670
FORMULA: 1000*(1+T)= 2208.0611
= 2165.561098
T = 58.83%
R = 116.56%
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 31-Dec-89 1000.00 7.681957 130.17517
FEE 31-Dec-90 0.637000637 8.111046 0.07853
FEE 31-Dec-91 0.637000637 8.390949 0.07592
FEE 31-Dec-92 0.637000637 8.490299 0.07503
FEE 31-Dec-93 0.637000637 8.533896 0.07464
FEE 31-Dec-94 0.637000637 8.671641 0.07346
FEE 31-Dec-95 0.637000637 8.959314 0.07110
FEE 31-Dec-96 0.637000637 9.211423 0.06915
FEE 31-Dec-97 0.637000637 9.482719 0.06717
FEE 31-Dec-98 0.637000637 9.755935 0.06529
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 129.46117 1294.6117
10.000
FORMULA: 1000*(1+T)= 1294.6117 - (0.85 * 1000 * 0)
= 1294.611688
T = 2.62%
R = 29.46%
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 31-Dec-89 1000.00 5.611730 178.19818
FEE 31-Dec-90 0.637000637 4.017540 0.15855
FEE 31-Dec-91 0.637000637 6.235378 0.10216
FEE 31-Dec-92 0.637000637 7.223840 0.08818
FEE 31-Dec-93 0.637000637 8.775592 0.07259
FEE 31-Dec-94 0.637000637 8.394892 0.07588
FEE 31-Dec-95 0.637000637 9.419760 0.06762
FEE 31-Dec-96 0.637000637 10.317612 0.06174
FEE 31-Dec-97 0.637000637 11.290849 0.05642
FEE 31-Dec-98 0.637000637 10.360392 0.06148
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 177.38985 1773.8985
10.000
FORMULA: 1000*(1+T)= 1773.8985 - (0.85 * 1000 * 0)
= 1773.898521
T = 5.90%
R = 77.39%
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 31-Dec-89 1000.00 1.565858 638.62752
FEE 31-Dec-90 0.637000637 1.476190 0.43152
FEE 31-Dec-91 0.637000637 2.296805 0.27734
FEE 31-Dec-92 0.637000637 2.250330 0.28307
FEE 31-Dec-93 0.637000637 2.635241 0.24172
FEE 31-Dec-94 0.637000637 2.424600 0.26272
FEE 31-Dec-95 0.637000637 3.418223 0.18635
FEE 31-Dec-96 0.637000637 3.756753 0.16956
FEE 31-Dec-97 0.637000637 5.050794 0.12612
FEE 31-Dec-98 0.637000637 6.445508 0.09883
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 636.48658 6364.8658
10.000
FORMULA: 1000*(1+T)= 6364.8658 - (0.85 * 1000 * 0)
= 6364.865796
T = 20.33%
R = 536.49%
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 31-Dec-89 1000.00 5.903637 169.38710
FEE 31-Dec-90 0.637000637 6.171092 0.10322
FEE 31-Dec-91 0.637000637 7.154104 0.08904
FEE 31-Dec-92 0.637000637 7.577771 0.08406
FEE 31-Dec-93 0.637000637 8.376125 0.07605
FEE 31-Dec-94 0.637000637 7.631998 0.08346
FEE 31-Dec-95 0.637000637 9.307624 0.06844
FEE 31-Dec-96 0.637000637 9.245756 0.06890
FEE 31-Dec-97 0.637000637 10.049813 0.06338
FEE 31-Dec-98 0.637000637 10.683588 0.05962
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 168.62722 1686.2722
10.000
FORMULA: 1000*(1+T)= 1686.2722 - (0.85 * 1000 * 0)
= 1686.272157
T = 5.36%
R = 68.63%
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 31-Dec-89 1000.00 3.658728 273.31904
FEE 31-Dec-90 0.637000637 3.634366 0.17527
FEE 31-Dec-91 0.637000637 4.560138 0.13969
FEE 31-Dec-92 0.637000637 4.783732 0.13316
FEE 31-Dec-93 0.637000637 5.166075 0.12330
FEE 31-Dec-94 0.637000637 5.257468 0.12116
FEE 31-Dec-95 0.637000637 5.621929 0.11331
FEE 31-Dec-96 0.637000637 6.325148 0.10071
FEE 31-Dec-97 0.637000637 7.036443 0.09053
FEE 31-Dec-98 0.637000637 8.710885 0.07313
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 272.18508 2721.8508
10.000
FORMULA: 1000*(1+T)= 2721.8508 - (0.85 * 1000 * 0)
= 2721.85079
T = 10.53%
R = 172.19%
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 1.666160 600.18257
FEE 31-Dec-90 0.637000637 1.596018 0.39912
FEE 31-Dec-91 0.637000637 2.279781 0.27941
FEE 31-Dec-92 0.637000637 2.459978 0.25895
FEE 31-Dec-93 0.637000637 2.855046 0.22311
FEE 31-Dec-94 0.637000637 2.820505 0.22585
FEE 31-Dec-95 0.637000637 3.879446 0.16420
FEE 31-Dec-96 0.637000637 4.285055 0.14866
FEE 31-Dec-97 0.637000637 5.300676 0.12017
FEE 31-Dec-98 0.637000637 6.452795 0.09872
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 598.20069 5982.0069
10.000
FORMULA: 1000*(1+T)= 5982.0069 - (0.85 * 1000 * 0)
= 5982.006907
T = 19.59%
R = 498.20%
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 31-Dec-89 1000.00 5.986677 167.03757
FEE 31-Dec-90 0.637000637 3.357368 0.18973
FEE 31-Dec-91 0.637000637 3.907914 0.16300
FEE 31-Dec-92 0.637000637 4.193638 0.15190
FEE 31-Dec-93 0.637000637 4.685282 0.13596
FEE 31-Dec-94 0.637000637 4.597015 0.13857
FEE 31-Dec-95 0.637000637 6.145000 0.10366
FEE 31-Dec-96 0.637000637 7.325244 0.08696
FEE 31-Dec-97 0.637000637 8.891996 0.07164
FEE 31-Dec-98 0.637000637 10.049972 0.06338
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 165.86907 1658.6907
10.000
FORMULA: 1000*(1+T)= 1658.6907 - (0.85 * 1000 * 0)
= 1658.690706
T = 5.19%
R = 65.87%
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99
<S> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.293183 137.11434
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 137.05064 1370.5064
1.000
FORMULA: 1000*(1+T)= 1370.5064 - (0.85 * 1000 * 0.01)
= 1362.0064
T = 36.20%
R = 36.20%
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 8.123726 123.09623
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.03253 1230.3253
1.000
FORMULA: 1000*(1+T)= 1230.3253 - (0.85 * 1000 * 0.01)
= 1221.8253
T = 22.18%
R = 22.18%
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 5.223450 191.44434
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.38064 1913.8064
1.000
FORMULA: 1000*(1+T)= 1913.8064 - (0.85 * 1000 * 0.01)
= 1905.3064
T = 90.53%
R = 90.53%
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 4.976080 200.96138
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 200.89768 2008.9768
1.000
FORMULA: 1000*(1+T)= 2008.9768 - (0.85 * 1000 * 0.01)
= 2000.4768
T = 100.05%
R = 100.05%
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 10.322374 96.87694
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.81324 968.1324
1.000
FORMULA: 1000*(1+T)= 968.1324 - (0.85 * 1000 * 0.01)
= 959.6324
T = -4.04%
R = -4.04%
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 7.237284 138.17338
1 FEE 16-Mar-99 0.637001 7.831144 0.08134 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 138.02834 1380.2834
1.793
FORMULA: 1000*(1+T)= 1380.2834
= 1337.7834
T = 17.62%
R = 33.78%
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 8.350514 119.75311
1 FEE 16-Mar-99 0.637001 8.153241 0.07813 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 119.61128 1196.1128
1.793
FORMULA: 1000*(1+T)= 1196.1128
= 1153.6128
T = 8.29%
R = 15.36%
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 7.412744 134.90281
1 FEE 16-Mar-99 0.637001 5.747177 0.11084 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 134.72828 1347.2828
1.793
FORMULA: 1000*(1+T)= 1347.2828
= 1304.7828
T = 15.99%
R = 30.48%
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 4.158857 240.45068
1 FEE 16-Mar-99 0.637001 5.506989 0.11567 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 240.27130 2402.7130
1.793
FORMULA: 1000*(1+T)= 2402.7130
= 2360.213
T = 61.42%
R = 136.02%
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 11.688051 85.55746
1 FEE 18-May-99 0.637001 11.094007 0.05742 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 85.43635 854.3635
1.621
FORMULA: 1000*(1+T)= 854.3635
= 811.86345
T = -12.07%
R = -18.81%
<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 Non-Standardized Performance
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
Fund Date AUV AUV AUV AUV AUV AUV AUV
Equity Growth 03/16/98 7.237283953 N/A N/A N/A N/A 7.293183343 7.293183343
International Magnum 03/16/98 8.350513767 N/A N/A N/A N/A 8.123725939 8.123725939
Emerging Markets 03/16/98 7.412743818 N/A N/A N/A N/A 5.223450391 5.223450391
Emerging Growth 03/16/98 4.158857102 N/A N/A N/A N/A 4.976080496 4.976080496
Real Estate 05/18/98 11.68805103 N/A N/A N/A N/A 10.32237388 10.32237388
3 Months Today's Inception Ten Years
Fund AUV AUV Total Average Total Average
Equity Growth 8.243889224 10 38.17% 19.74% N/A N/A N/A
International Magnum 8.957047519 10 19.75% 10.57% N/A N/A N/A
Emerging Markets 6.719118247 10 34.90% 18.16% N/A N/A N/A
Emerging Growth 6.253977705 10 140.45% 63.05% N/A N/A N/A
Real Estate 10.14366647 10 -14.44% -9.17% N/A N/A N/A
Five Years Three Years Two Years One Year
Fund Total Average Total Average Total Average
Equity Growth N/A N/A N/A N/A N/A 37.11%
International Magnum N/A N/A N/A N/A N/A 23.10%
Emerging Markets N/A N/A N/A N/A N/A 91.44%
Emerging Growth N/A N/A N/A N/A N/A 100.96%
Real Estate N/A N/A N/A N/A N/A -3.12%
YTD Three Months
Fund
Equity Growth 37.11% 21.30%
International Magnum 23.10% 11.64%
Emerging Markets 91.44% 48.83%
Emerging Growth 100.96% 59.90%
Real Estate -3.12% -1.42%
<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 9.730606 102.76852
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 102.70482 1027.0482
1.000
FORMULA: 1000*(1+T)= 1027.0482 - (0.85 * 1000 * 0.01)
= 1018.5482
T = 1.85%
R = 1.85%
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 10.333493 96.77270
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.70900 967.0900
1.000
FORMULA: 1000*(1+T)= 967.0900 - (0.85 * 1000 * 0.01)
= 958.5900
T = -4.14%
R = -4.14%
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 6.428809 155.54981
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.48611 1554.8611
1.000
FORMULA: 1000*(1+T)= 1554.8611 - (0.85 * 1000 * 0.01)
= 1546.3611
T = 54.64%
R = 54.64%
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 10.655836 93.84529
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 93.78159 937.8159
1.000
FORMULA: 1000*(1+T)= 937.8159 - (0.85 * 1000 * 0.01)
= 929.3159
T = -7.07%
R = -7.07%
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 8.688281 115.09756
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 115.03386 1150.3386
1.000
FORMULA: 1000*(1+T)= 1150.3386 - (0.85 * 1000 * 0.01)
= 1141.8386
T = 14.18%
R = 14.18%
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 10.445666 95.73348
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 95.66978 956.6978
1.000
FORMULA: 1000*(1+T)= 956.6978 - (0.85 * 1000 * 0.01)
= 948.1978
T = -5.18%
R = -5.18%
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 9.045635 110.55055
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 110.48685 1104.8685
1.000
FORMULA: 1000*(1+T)= 1104.8685 - (0.85 * 1000 * 0.01)
= 1096.3685
T = 9.64%
R = 9.64%
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 7.896709 126.63504
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 126.57134 1265.7134
1.000
FORMULA: 1000*(1+T)= 1265.7134 - (0.85 * 1000 * 0.01)
= 1257.2134
T = 25.72%
R = 25.72%
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 7.648896 130.73782
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.67412 1306.7412
1.000
FORMULA: 1000*(1+T)= 1306.7412 - (0.85 * 1000 * 0.01)
= 1298.2412
T = 29.82%
R = 29.82%
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 6.138372 162.90965
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 162.84595 1628.4595
1.000
FORMULA: 1000*(1+T)= 1628.4595 - (0.85 * 1000 * 0.01)
= 1619.9595
T = 62.00%
R = 62.00%
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 8.892783 112.45073
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 112.38703 1123.8703
1.000
FORMULA: 1000*(1+T)= 1123.8703 - (0.85 * 1000 * 0.01)
= 1115.3703
T = 11.54%
R = 11.54%
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 9.523190 105.00683
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 104.94313 1049.4313
1.000
FORMULA: 1000*(1+T)= 1049.4313 - (0.85 * 1000 * 0.01)
= 1040.9313
T = 4.09%
R = 4.09%
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 7.293183 137.11434
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 137.05064 1370.5064
1.000
FORMULA: 1000*(1+T)= 1370.5064 - (0.85 * 1000 * 0.01)
= 1362.0064
T = 36.20%
R = 36.20%
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 8.123726 123.09623
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.03253 1230.3253
1.000
FORMULA: 1000*(1+T)= 1230.3253 - (0.85 * 1000 * 0.01)
= 1221.8253
T = 22.18%
R = 22.18%
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 5.223450 191.44434
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.38064 1913.8064
1.000
FORMULA: 1000*(1+T)= 1913.8064 - (0.85 * 1000 * 0.01)
= 1905.3064
T = 90.53%
R = 90.53%
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 4.976080 200.96138
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 200.89768 2008.9768
1.000
FORMULA: 1000*(1+T)= 2008.9768 - (0.85 * 1000 * 0.01)
= 2000.4768
T = 100.05%
R = 100.05%
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 10.322374 96.87694
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.81324 968.1324
1.000
FORMULA: 1000*(1+T)= 968.1324 - (0.85 * 1000 * 0.01)
= 959.6324
T = -4.04%
R = -4.04%
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 8.085666 123.67565
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.61195 1236.1195
1.000
FORMULA: 1000*(1+T)= 1236.1195 - (0.85 * 1000 * 0.01)
= 1227.6195
T = 22.76%
R = 22.76%
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 8.517941 117.39926
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.33556 1173.3556
1.000
FORMULA: 1000*(1+T)= 1173.3556 - (0.85 * 1000 * 0.01)
= 1164.8556
T = 16.49%
R = 16.49%
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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #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 7.571110 132.08103
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.01733 1320.1733
1.000
FORMULA: 1000*(1+T)= 1320.1733 - (0.85 * 1000 * 0.01)
= 1311.6733
T = 31.17%
R = 31.17%
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 9.141709 109.38874
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 109.32504 1093.2504
1.000
FORMULA: 1000*(1+T)= 1093.2504 - (0.85 * 1000 * 0.01)
= 1084.7504
T = 8.48%
R = 8.48%
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 7.032660 142.19372
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.13002 1421.3002
1.000
FORMULA: 1000*(1+T)= 1421.3002 - (0.85 * 1000 * 0.01)
= 1412.8002
T = 41.28%
R = 41.28%
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 7.520411 132.97145
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.90775 1329.0775
1.000
FORMULA: 1000*(1+T)= 1329.0775 - (0.85 * 1000 * 0.01)
= 1320.5775
T = 32.06%
R = 32.06%
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 7.829449 127.72291
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 127.65921 1276.5921
1.000
FORMULA: 1000*(1+T)= 1276.5921 - (0.85 * 1000 * 0.01)
= 1268.0921
T = 26.81%
R = 26.81%
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 6.354838 157.36042
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 157.29672 1572.9672
1.000
FORMULA: 1000*(1+T)= 1572.9672 - (0.85 * 1000 * 0.01)
= 1564.4672
T = 56.45%
R = 56.45%
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 6.436090 155.37384
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.31014 1553.1014
1.000
FORMULA: 1000*(1+T)= 1553.1014 - (0.85 * 1000 * 0.01)
= 1544.6014
T = 54.46%
R = 54.46%
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 10.023858 99.76199
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 99.69829 996.9829
1.000
FORMULA: 1000*(1+T)= 996.9829 - (0.85 * 1000 * 0.01)
= 988.4829
T = -1.15%
R = -1.15%
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 8.433549 118.57404
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 118.51034 1185.1034
1.000
FORMULA: 1000*(1+T)= 1185.1034 - (0.85 * 1000 * 0.01)
= 1176.6034
T = 17.66%
R = 17.66%
Aim Aggressive 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 7.029909 142.24934
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.18564 1421.8564
1.000
FORMULA: 1000*(1+T)= 1421.8564 - (0.85 * 1000 * 0.01)
= 1413.3564
T = 41.34%
R = 41.34%
Aim Blue Chip
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 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
1.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
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 5.014191 199.43395
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 199.37025 1993.7025
1.000
FORMULA: 1000*(1+T)= 1993.7025 - (0.85 * 1000 * 0.01)
= 1985.2025
T = 98.52%
R = 98.52%
Putnam New Opp.
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 6.014279 166.27097
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 166.20727 1662.0727
1.000
FORMULA: 1000*(1+T)= 1662.0727 - (0.85 * 1000 * 0.01)
= 1653.5727
T = 65.36%
R = 65.36%
Putnam OTC & Emerging Gr.
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 4.491201 222.65760
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 222.59390 2225.9390
1.000
FORMULA: 1000*(1+T)= 2225.9390 - (0.85 * 1000 * 0.01)
= 2217.4390
T = 121.74%
R = 121.74%
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 8.559657 116.82711
FEE 31-Dec-95 0.637000637 8.866508 0.07184
FEE 31-Dec-96 0.637000637 9.139864 0.06969
FEE 31-Dec-97 0.637000637 9.433544 0.06753
FEE 31-Dec-98 0.637000637 9.730606 0.06546
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 116.48888 1164.8888
5.000
FORMULA: 1000*(1+T)= 1164.8888
= 1164.888836
T = 3.10%
R = 16.49%
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 8.286486 120.67842
FEE 31-Dec-95 0.637000637 9.322183 0.06833
FEE 31-Dec-96 0.637000637 10.237454 0.06222
FEE 31-Dec-97 0.637000637 11.232285 0.05671
FEE 31-Dec-98 0.637000637 10.333493 0.06164
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 120.36581 1203.6581
5.000
FORMULA: 1000*(1+T)= 1203.6581
= 1203.658081
T = 3.78%
R = 20.37%
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 2.393316 417.83032
FEE 31-Dec-95 0.637000637 3.382846 0.18830
FEE 31-Dec-96 0.637000637 3.727607 0.17089
FEE 31-Dec-97 0.637000637 5.024641 0.12678
FEE 31-Dec-98 0.637000637 6.428809 0.09909
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 417.18157 4171.8157
5.000
FORMULA: 1000*(1+T)= 4171.8157
= 4171.815661
T = 33.07%
R = 317.18%
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 7.533442 132.74145
FEE 31-Dec-95 0.637000637 9.211195 0.06916
FEE 31-Dec-96 0.637000637 9.173924 0.06944
FEE 31-Dec-97 0.637000637 9.997686 0.06371
FEE 31-Dec-98 0.637000637 10.655836 0.05978
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.41567 1324.1567
5.000
FORMULA: 1000*(1+T)= 1324.1567
= 1324.156673
T = 5.78%
R = 32.42%
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 5.189603 192.69298
FEE 31-Dec-95 0.637000637 5.563724 0.11449
FEE 31-Dec-96 0.637000637 6.276043 0.10150
FEE 31-Dec-97 0.637000637 6.999980 0.09100
FEE 31-Dec-98 0.637000637 8.688281 0.07332
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 192.24897 1922.4897
5.000
FORMULA: 1000*(1+T)= 1922.4897
= 1922.489693
T = 13.97%
R = 92.25%
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 4.677422 213.79297
FEE 31-Dec-95 0.637000637 6.222733 0.10237
FEE 31-Dec-96 0.637000637 7.564925 0.08420
FEE 31-Dec-97 0.637000637 9.319636 0.06835
FEE 31-Dec-98 0.637000637 10.445666 0.06098
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 213.41336 2134.1336
5.000
FORMULA: 1000*(1+T)= 2134.1336
= 2134.133619
T = 16.37%
R = 113.41%
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 4.446518 224.89507
FEE 31-Dec-95 0.637000637 5.606442 0.11362
FEE 31-Dec-96 0.637000637 5.975436 0.10660
FEE 31-Dec-97 0.637000637 7.452054 0.08548
FEE 31-Dec-98 0.637000637 9.045635 0.07042
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 224.45524 2244.5524
5.000
FORMULA: 1000*(1+T)= 2244.5524
= 2244.552433
T = 17.55%
R = 124.46%
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 3.628596 275.58872
FEE 31-Dec-95 0.637000637 4.474717 0.14236
FEE 31-Dec-96 0.637000637 5.704519 0.11167
FEE 31-Dec-97 0.637000637 6.494833 0.09808
FEE 31-Dec-98 0.637000637 7.896709 0.08067
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 275.09225 2750.9225
5.000
FORMULA: 1000*(1+T)= 2750.9225
= 2750.922488
T = 22.43%
R = 175.09%
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 3.723626 268.55545
FEE 31-Dec-95 0.637000637 4.878516 0.13057
FEE 31-Dec-96 0.637000637 5.336739 0.11936
FEE 31-Dec-97 0.637000637 6.518785 0.09772
FEE 31-Dec-98 0.637000637 7.648896 0.08328
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 268.06082 2680.6082
5.000
FORMULA: 1000*(1+T)= 2680.6082
= 2680.608162
T = 21.80%
R = 168.06%
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 10.713863 93.33701
FEE 31-Dec-95 0.637000637 11.220832 0.05677
FEE 31-Dec-96 0.637000637 11.431835 0.05572
FEE 31-Dec-97 0.637000637 6.985035 0.09120
FEE 31-Dec-98 0.637000637 6.138372 0.10377
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 92.96585 929.6585
5.000
FORMULA: 1000*(1+T)= 929.6585
= 929.6585373
T = -1.45%
R = -7.03%
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 5.302701 188.58314
FEE 31-Dec-95 0.637000637 6.358314 0.10018
FEE 31-Dec-96 0.637000637 7.332202 0.08688
FEE 31-Dec-97 0.637000637 8.057154 0.07906
FEE 31-Dec-98 0.637000637 8.892783 0.07163
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 188.18169 1881.8169
5.000
FORMULA: 1000*(1+T)= 1881.8169
= 1881.816908
T = 13.48%
R = 88.18%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 9.407365 0.06771
FEE 31-Dec-98 0.637000637 9.523190 0.06689
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 6.217922 0.10245
FEE 31-Dec-98 0.637000637 7.293183 0.08734
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.609730 0.08371
FEE 31-Dec-98 0.637000637 8.123726 0.07841
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 7.140692 0.08921
FEE 31-Dec-97 0.637000637 7.042637 0.09045
FEE 31-Dec-98 0.637000637 5.223450 0.12195
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 2.709208 0.23512
FEE 31-Dec-96 0.637000637 3.107095 0.20501
FEE 31-Dec-97 0.637000637 3.679023 0.17314
FEE 31-Dec-98 0.637000637 4.976080 0.12801
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 12.058944 0.05282
FEE 31-Dec-98 0.637000637 10.322374 0.06171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 8.085666 0.07878
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 8.517941 0.07478
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 2.812455 355.56123
FEE 31-Dec-95 0.637000637 3.731520 0.17071
FEE 31-Dec-96 0.637000637 4.702453 0.13546
FEE 31-Dec-97 0.637000637 5.996728 0.10622
FEE 31-Dec-98 0.637000637 7.571110 0.08414
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 355.00100 3550.0100
5.000
FORMULA: 1000*(1+T)= 3550.0100
= 3550.010003
T = 28.84%
R = 255.00%
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 3.764896 265.61157
FEE 31-Dec-95 0.637000637 5.014975 0.12702
FEE 31-Dec-96 0.637000637 6.103524 0.10437
FEE 31-Dec-97 0.637000637 7.710116 0.08262
FEE 31-Dec-98 0.637000637 9.141709 0.06968
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 265.16418 2651.6418
5.000
FORMULA: 1000*(1+T)= 2651.6418
= 2651.641811
T = 21.54%
R = 165.16%
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 3.586392 278.83177
FEE 31-Dec-95 0.637000637 4.784959 0.13313
FEE 31-Dec-96 0.637000637 5.531433 0.11516
FEE 31-Dec-97 0.637000637 6.173255 0.10319
FEE 31-Dec-98 0.637000637 7.032660 0.09058
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 278.32602 2783.2602
5.000
FORMULA: 1000*(1+T)= 2783.2602
= 2783.260217
T = 22.72%
R = 178.33%
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 3.186534 313.82056
FEE 31-Dec-95 0.637000637 4.222712 0.15085
FEE 31-Dec-96 0.637000637 4.902605 0.12993
FEE 31-Dec-97 0.637000637 6.115683 0.10416
FEE 31-Dec-98 0.637000637 7.520411 0.08470
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 313.28722 3132.8722
5.000
FORMULA: 1000*(1+T)= 3132.8722
= 3132.87218
T = 25.66%
R = 213.29%
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 3.429300 291.60472
FEE 31-Dec-95 0.637000637 4.594331 0.13865
FEE 31-Dec-96 0.637000637 5.195533 0.12261
FEE 31-Dec-97 0.637000637 6.318648 0.10081
FEE 31-Dec-98 0.637000637 7.829449 0.08136
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 291.09759 2910.9759
5.000
FORMULA: 1000*(1+T)= 2910.9759
= 2910.975937
T = 23.82%
R = 191.10%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 5.457402 0.11672
FEE 31-Dec-98 0.637000637 6.354838 0.10024
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #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 2.784110 359.18120
FEE 31-Dec-95 0.637000637 3.839346 0.16591
FEE 31-Dec-96 0.637000637 4.251807 0.14982
FEE 31-Dec-97 0.637000637 5.273234 0.12080
FEE 31-Dec-98 0.637000637 6.436090 0.09897
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 358.58199 3585.8199
5.000
FORMULA: 1000*(1+T)= 3585.8199
= 3585.819939
T = 29.10%
R = 258.58%
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 4.537667 220.37756
FEE 31-Dec-95 0.637000637 6.081442 0.10475
FEE 31-Dec-96 0.637000637 7.268341 0.08764
FEE 31-Dec-97 0.637000637 8.845872 0.07201
FEE 31-Dec-98 0.637000637 10.023858 0.06355
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 219.98592 2199.8592
5.000
FORMULA: 1000*(1+T)= 2199.8592
= 2199.859155
T = 17.08%
R = 119.99%
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.600829 0.08381
FEE 31-Dec-98 0.637000637 8.433549 0.07553
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Aggressive 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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 7.029909 0.09061
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Blue Chip
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 4.418401 0.14417
FEE 31-Dec-98 0.637000637 5.014191 0.12704
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam New Opp.
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 2.644282 378.17442
FEE 31-Dec-95 0.637000637 3.761044 0.16937
FEE 31-Dec-96 0.637000637 4.068039 0.15659
FEE 31-Dec-97 0.637000637 4.923934 0.12937
FEE 31-Dec-98 0.637000637 6.014279 0.10591
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 377.54949 3775.4949
5.000
FORMULA: 1000*(1+T)= 3775.4949
= 3775.494857
T = 30.44%
R = 277.55%
Putnam OTC & Emerging Gr.
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 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-98 0.637000637 4.491201 0.14183
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
5.000
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = N/A
R = N/A
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 5.643658 177.19005
1 FEE 09-Mar-85 0.637000637 5.846878 0.10895 0.06
2 FEE 09-Mar-86 0.637000637 6.175104 0.10316 0.05
3 FEE 09-Mar-87 0.637000637 6.425355 0.09914 0.05
4 09-Mar-88 0.637000637 6.711997 0.09490 0.04
5 09-Mar-89 0.637000637 7.084819 0.08991 0.03
6 09-Mar-90 0.637000637 7.568906 0.08416 0.02
7 09-Mar-91 0.637000637 7.991606 0.07971 0
8 09-Mar-92 0.637000637 8.250829 0.07720 0
9 09-Mar-93 0.637000637 8.351334 0.07628 0
10 09-Mar-94 0.637000637 8.414387 0.07570 0
11 09-Mar-95 0.637000637 8.614262 0.07395 0
12 09-Mar-96 0.637000637 8.919582 0.07142 0
13 09-Mar-97 0.637000637 9.189690 0.06932 0
14 FEE 09-Mar-98 0.637000637 9.489919 0.06712 0
15 FEE 09-Mar-99 0.637000637 9.778299 0.06514 0
RESULTING VALUE 31-Dec-99 10.000000 175.95399 1759.5399
15.811
FORMULA: 1000*(1+T)= 1759.5399
= 1759.53994
T = 3.64%
R = 75.95%
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 4.000718 249.95516
1 FEE 09-Mar-85 0.637000637 4.457936 0.14289 0.06
2 FEE 09-Mar-86 0.637000637 5.624010 0.11326 0.05
3 FEE 09-Mar-87 0.637000637 6.597018 0.09656 0.05
4 09-Mar-88 0.637000637 6.235182 0.10216 0.04
5 09-Mar-89 0.637000637 6.618450 0.09625 0.03
6 09-Mar-90 0.637000637 5.148502 0.12373 0.02
7 09-Mar-91 0.637000637 4.663095 0.13660 0
8 09-Mar-92 0.637000637 7.033989 0.09056 0
9 09-Mar-93 0.637000637 7.624914 0.08354 0
10 09-Mar-94 0.637000637 8.905661 0.07153 0
11 09-Mar-95 0.637000637 8.388737 0.07594 0
12 09-Mar-96 0.637000637 9.537166 0.06679 0
13 09-Mar-97 0.637000637 10.235283 0.06224 0
14 FEE 09-Mar-98 0.637000637 11.408901 0.05583 0
15 FEE 09-Mar-99 0.637000637 10.194478 0.06248 0
RESULTING VALUE 31-Dec-99 10.000000 248.57480 2485.7480
15.811
FORMULA: 1000*(1+T)= 2485.7480
= 2485.747995
T = 5.93%
R = 148.57%
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 0.881661 1134.22294
1 FEE 09-Mar-85 0.637000637 1.001793 0.63586 0.06
2 FEE 09-Mar-86 0.637000637 1.275286 0.49950 0.05
3 FEE 09-Mar-87 0.637000637 1.574445 0.40459 0.05
4 09-Mar-88 0.637000637 1.344476 0.47379 0.04
5 09-Mar-89 0.637000637 1.371775 0.46436 0.03
6 09-Mar-90 0.637000637 1.469501 0.43348 0.02
7 09-Mar-91 0.637000637 1.710055 0.37250 0
8 09-Mar-92 0.637000637 2.087441 0.30516 0
9 09-Mar-93 0.637000637 2.326956 0.27375 0
10 09-Mar-94 0.637000637 2.705074 0.23548 0
11 09-Mar-95 0.637000637 2.501701 0.25463 0
12 09-Mar-96 0.637000637 3.390190 0.18790 0
13 09-Mar-97 0.637000637 4.018608 0.15851 0
14 FEE 09-Mar-98 0.637000637 5.346484 0.11914 0
15 FEE 09-Mar-99 0.637000637 6.996823 0.09104 0
RESULTING VALUE 31-Dec-99 10.000000 1129.31325 11293.1325
15.811
FORMULA: 1000*(1+T)= 11293.1325
= 11293.13246
T = 16.57%
R = 1029.31%
NLIC VAII QUALITY INCOME
02-Mar-87
TO NO. YEARS 12.832
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Mar-87 1000.00 4.883037 204.79060
1 FEE 02-Mar-88 0.637000637 5.129416 0.12419 0.06
2 FEE 02-Mar-89 0.637000637 5.208341 0.12230 0.05
3 FEE 02-Mar-90 0.637000637 5.625519 0.11323 0.05
4 02-Mar-91 0.637000637 6.165922 0.10331 0.04
5 02-Mar-92 0.637000637 6.913735 0.09214 0.03
6 02-Mar-93 0.637000637 7.835992 0.08129 0.02
7 02-Mar-94 0.637000637 8.053057 0.07910 0
8 02-Mar-95 0.637000637 7.891148 0.08072 0
9 02-Mar-96 0.637000637 8.994128 0.07082 0
10 02-Mar-97 0.637000637 9.187521 0.06933 0
11 02-Mar-98 0.637000637 10.030448 0.06351 0
12 02-Mar-99 0.637000637 10.362745 0.06147 0
13 31-Dec-99 0.637000637 10.000000 0.06370 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 203.66548 2036.6548
12.832
FORMULA: 1000*(1+T)= 2036.6548
= 2036.654834
T = 5.70%
R = 103.67%
NLIC VAII STRATEGIST
02-Mar-87
TO NO. YEARS 12.832
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Mar-87 1000.00 2.980044 335.56554
1 FEE 02-Mar-88 0.637000637 3.196384 0.19929 0.06
2 FEE 02-Mar-89 0.637000637 3.318131 0.19198 0.05
3 FEE 02-Mar-90 0.637000637 3.567712 0.17855 0.05
4 02-Mar-91 0.637000637 3.959675 0.16087 0.04
5 02-Mar-92 0.637000637 4.507698 0.14131 0.03
6 02-Mar-93 0.637000637 4.839592 0.13162 0.02
7 02-Mar-94 0.637000637 5.136612 0.12401 0
8 02-Mar-95 0.637000637 5.227478 0.12186 0
9 02-Mar-96 0.637000637 5.727938 0.11121 0
10 02-Mar-97 0.637000637 6.507215 0.09789 0
11 02-Mar-98 0.637000637 7.458252 0.08541 0
12 02-Mar-99 0.637000637 8.722657 0.07303 0
13 31-Dec-99 0.637000637 10.000000 0.06370 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 333.88482 3338.8482
12.832
FORMULA: 1000*(1+T)= 3338.8482
= 3338.848161
T = 9.85%
R = 233.88%
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 3.625753 275.80476
1 FEE 01-Mar-91 0.637000637 3.711265 0.17164 0.06
2 FEE 01-Mar-92 0.637000637 4.139585 0.15388 0.05
3 FEE 01-Mar-93 0.637000637 4.519901 0.14093 0.05
4 01-Mar-94 0.637000637 4.833142 0.13180 0.04
5 01-Mar-95 0.637000637 4.947613 0.12875 0.03
6 01-Mar-96 0.637000637 6.591875 0.09663 0.02
7 01-Mar-97 0.637000637 7.840458 0.08125 0
8 01-Mar-98 0.637000637 9.893229 0.06439 0
9 01-Mar-99 0.637000637 10.210092 0.06239 0
10 31-Dec-99 0.637000637 10.000000 0.06370 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 274.70940 2747.0940
9.834
FORMULA: 1000*(1+T)= 2747.0940
= 2747.094015
T = 10.82%
R = 174.71%
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 3.266079 306.17757
1 FEE 01-Mar-91 0.637000637 3.464864 0.18385 0.06
2 FEE 01-Mar-92 0.637000637 3.824427 0.16656 0.05
3 FEE 01-Mar-93 0.637000637 4.712734 0.13517 0.05
4 01-Mar-94 0.637000637 4.724226 0.13484 0.04
5 01-Mar-95 0.637000637 4.613429 0.13808 0.03
6 01-Mar-96 0.637000637 5.637228 0.11300 0.02
7 01-Mar-97 0.637000637 6.026627 0.10570 0
8 01-Mar-98 0.637000637 7.652940 0.08324 0
9 01-Mar-99 0.637000637 8.707096 0.07316 0
10 31-Dec-99 0.637000637 10.000000 0.06370 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 304.98029 3049.8029
9.834
FORMULA: 1000*(1+T)= 3049.8029
= 3049.802919
T = 12.01%
R = 204.98%
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 2.426182 412.17019
1 FEE 01-Mar-92 0.637000637 2.485876 0.25625 0.06
2 FEE 01-Mar-93 0.637000637 2.576259 0.24726 0.05
3 FEE 01-Mar-94 0.637000637 3.522294 0.18085 0.05
4 01-Mar-95 0.637000637 3.712910 0.17156 0.04
5 01-Mar-96 0.637000637 4.696408 0.13564 0.03
6 01-Mar-97 0.637000637 5.720957 0.11135 0.02
7 01-Mar-98 0.637000637 7.327598 0.08693 0
8 01-Mar-99 0.637000637 7.752859 0.08216 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 410.83450 4108.3450
8.835
FORMULA: 1000*(1+T)= 4108.3450
= 4108.344951
T = 17.34%
R = 310.83%
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 3.363534 297.30630
1 FEE 01-Mar-92 0.637000637 4.060008 0.15690 0.06
2 FEE 01-Mar-93 0.637000637 3.937103 0.16179 0.05
3 FEE 01-Mar-94 0.637000637 3.881575 0.16411 0.05
4 01-Mar-95 0.637000637 3.992212 0.15956 0.04
5 01-Mar-96 0.637000637 5.140204 0.12393 0.03
6 01-Mar-97 0.637000637 5.482985 0.11618 0.02
7 01-Mar-98 0.637000637 7.042420 0.09045 0
8 01-Mar-99 0.637000637 7.587165 0.08396 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 296.18573 2961.8573
8.835
FORMULA: 1000*(1+T)= 2961.8573
= 2961.857307
T = 13.08%
R = 196.19%
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 11.793287 84.79400
1 FEE 22-Feb-95 0.637000637 10.114666 0.06298 0.06
2 FEE 22-Feb-96 0.637000637 12.122506 0.05255 0.05
3 FEE 22-Feb-97 0.637000637 11.537630 0.05521 0.05
4 22-Feb-98 0.637000637 7.011690 0.09085 0.04
5 22-Feb-99 0.637000637 5.907145 0.10784 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 84.36088 843.6088
5.854
FORMULA: 1000*(1+T)= 843.6088
= 826.6087964
T = -3.20%
R = -17.34%
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 5.385376 185.68805
1 FEE 24-Feb-95 0.637000637 5.335880 0.11938 0.06
2 FEE 24-Feb-96 0.637000637 6.567441 0.09699 0.05
3 FEE 24-Feb-97 0.637000637 7.405467 0.08602 0.05
4 24-Feb-98 0.637000637 8.398052 0.07585 0.04
5 24-Feb-99 0.637000637 8.674492 0.07343 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 185.17268 1851.7268
5.848
FORMULA: 1000*(1+T)= 1851.7268
= 1834.726781
T = 10.94%
R = 83.47%
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 7.828517 127.73812
1 FEE 21-Jan-98 0.637000637 9.380901 0.06790 0.06
2 FEE 21-Jan-99 0.637000637 9.603890 0.06633 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 127.54019 1275.4019
2.940
FORMULA: 1000*(1+T)= 1275.4019
= 1232.901908
T = 7.38%
R = 23.29%
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 4.752428 210.41878
1 FEE 02-Jan-98 0.637000637 6.202705 0.10270 0.06
2 FEE 02-Jan-99 0.637000637 7.259036 0.08775 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 210.16463 2101.6463
2.992
FORMULA: 1000*(1+T)= 2101.6463
= 2059.146262
T = 27.30%
R = 105.91%
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 7.211329 138.67070
1 FEE 02-Jan-98 0.637000637 7.638350 0.08340 0.06
2 FEE 02-Jan-99 0.637000637 8.239093 0.07731 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 138.44629 1384.4629
2.992
FORMULA: 1000*(1+T)= 1384.4629
= 1341.962919
T = 10.33%
R = 34.20%
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 7.332087 136.38682
1 FEE 01-Oct-97 0.637000637 8.708917 0.07314 0.06
2 FEE 01-Oct-98 0.637000637 4.419158 0.14415 0.05
3 FEE 01-Oct-99 0.637000637 6.711551 0.09491 0.05
4 31-Dec-99 0.637000637 10.000000 0.06370 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 136.01092 1360.1092
3.247
FORMULA: 1000*(1+T)= 1360.1092
= 1326.109157
T = 9.08%
R = 32.61%
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 2.332823 428.66518
1 FEE 03-Jul-96 0.637000637 3.149270 0.20227 0.06
2 FEE 03-Jul-97 0.637000637 3.430309 0.18570 0.05
3 FEE 03-Jul-98 0.637000637 4.479028 0.14222 0.05
4 03-Jul-99 0.637000637 6.168851 0.10326 0.04
5 31-Dec-99 0.637000637 10.000000 0.06370 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 427.96803 4279.6803
4.496
FORMULA: 1000*(1+T)= 4279.6803
= 4254.180324
T = 38.00%
R = 325.42%
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 10.364584 96.48241
1 FEE 04-Mar-98 0.637000637 11.770895 0.05412 0.06
2 FEE 04-Mar-99 0.637000637 9.935235 0.06412 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 96.30047 963.0047
2.825
FORMULA: 1000*(1+T)= 963.0047
= 920.504742
T = -2.89%
R = -7.95%
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 8.342275 119.87138
1 FEE 18-May-99 0.637000637 8.394849 0.07588 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 119.73180 1197.3180
1.621
FORMULA: 1000*(1+T)= 1197.3180
= 1154.818012
T = 9.29%
R = 15.48%
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 7.683829 130.14345
1 FEE 18-May-99 0.637000637 9.194405 0.06928 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 130.01046 1300.1046
1.621
FORMULA: 1000*(1+T)= 1300.1046
= 1257.604648
T = 15.19%
R = 25.76%
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 6.934161 144.21356
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 144.14986 1441.4986
0.663
FORMULA: 1000*(1+T)= 1441.4986
= 1390.49856
T = 64.47%
R = 39.05%
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 9.974253 100.25813
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 100.19443 1001.9443
0.663
FORMULA: 1000*(1+T)= 1001.9443
= 950.9443372
T = -7.31%
R = -4.91%
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 8.911408 112.21571
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 112.15201 1121.5201
0.465
FORMULA: 1000*(1+T)= 1121.5201
= 1070.52013
T = 15.77%
R = 7.05%
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 2.685924 372.31130
1 FEE 15-Sep-95 0.637000637 3.597310 0.17708 0.06
2 FEE 15-Sep-96 0.637000637 4.164412 0.15296 0.05
3 FEE 15-Sep-97 0.637000637 5.648936 0.11276 0.05
4 15-Sep-98 0.637000637 5.920910 0.10758 0.04
5 15-Sep-99 0.637000637 8.158733 0.07808 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 371.61914 3716.1914
5.292
FORMULA: 1000*(1+T)= 3716.1914
= 3699.191357
T = 28.04%
R = 269.92%
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 3.269083 305.89617
1 FEE 14-Jan-92 0.637000637 3.321097 0.19180 0.06
2 FEE 14-Jan-93 0.637000637 3.516003 0.18117 0.05
3 FEE 14-Jan-94 0.637000637 3.852214 0.16536 0.05
4 14-Jan-95 0.637000637 3.764896 0.16919 0.04
5 14-Jan-96 0.637000637 4.862083 0.13101 0.03
6 14-Jan-97 0.637000637 6.247748 0.10196 0.02
7 14-Jan-98 0.637000637 7.530414 0.08459 0
8 14-Jan-99 0.637000637 8.996874 0.07080 0
9 31-Dec-99 0.637000637 10.000000 0.06370 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 304.73658 3047.3658
8.961
FORMULA: 1000*(1+T)= 3047.3658
= 3047.365755
T = 13.24%
R = 204.74%
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 3.011267 332.08618
1 FEE 05-May-94 0.637000637 3.540922 0.17990 0.06
2 FEE 05-May-95 0.637000637 3.936707 0.16181 0.05
3 FEE 05-May-96 0.637000637 5.311998 0.11992 0.05
4 05-May-97 0.637000637 5.553261 0.11471 0.04
5 05-May-98 0.637000637 6.989881 0.09113 0.03
6 05-May-99 0.637000637 7.214110 0.08830 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 331.26672 3312.6672
6.656
FORMULA: 1000*(1+T)= 3312.6672
= 3312.667182
T = 19.72%
R = 231.27%
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 3.036418 329.33543
1 FEE 05-May-94 0.637000637 3.181329 0.20023 0.06
2 FEE 05-May-95 0.637000637 3.546282 0.17962 0.05
3 FEE 05-May-96 0.637000637 4.465707 0.14264 0.05
4 05-May-97 0.637000637 5.243271 0.12149 0.04
5 05-May-98 0.637000637 7.040187 0.09048 0.03
6 05-May-99 0.637000637 8.013781 0.07949 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 328.45777 3284.5777
6.656
FORMULA: 1000*(1+T)= 3284.5777
= 3284.577702
T = 19.56%
R = 228.46%
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 2.952181 338.73257
1 FEE 05-May-94 0.637000637 3.420198 0.18625 0.06
2 FEE 05-May-95 0.637000637 3.856078 0.16519 0.05
3 FEE 05-May-96 0.637000637 4.632894 0.13750 0.05
4 05-May-97 0.637000637 5.558599 0.11460 0.04
5 05-May-98 0.637000637 7.129711 0.08934 0.03
6 05-May-99 0.637000637 8.507969 0.07487 0.02
7 31-Dec-99 0.637000637 10.000000 0.06370 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 337.90113 3379.0113
6.656
FORMULA: 1000*(1+T)= 3379.0113
= 3379.011256
T = 20.07%
R = 237.90%
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 4.793496 208.61602
1 FEE 02-Jan-98 0.637000637 5.485454 0.11613 0.06
2 FEE 02-Jan-99 0.637000637 6.354838 0.10024 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 208.33595 2083.3595
2.992
FORMULA: 1000*(1+T)= 2083.3595
= 2040.859549
T = 26.92%
R = 104.09%
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 1.236798 808.53930
1 FEE 01-Feb-89 0.637000637 1.326386 0.48025 0.06
2 FEE 01-Feb-90 0.637000637 1.441064 0.44203 0.05
3 FEE 01-Feb-91 0.637000637 1.660335 0.38366 0.05
4 01-Feb-92 0.637000637 2.234080 0.28513 0.04
5 01-Feb-93 0.637000637 2.432770 0.26184 0.03
6 01-Feb-94 0.637000637 2.866089 0.22225 0.02
7 01-Feb-95 0.637000637 2.806797 0.22695 0
8 01-Feb-96 0.637000637 3.901785 0.16326 0
9 01-Feb-97 0.637000637 4.435137 0.14363 0
10 01-Feb-98 0.637000637 5.253561 0.12125 0
11 01-Feb-99 0.637000637 6.722586 0.09476 0
12 31-Dec-99 0.637000637 10.000000 0.06370 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 805.65059 8056.5059
11.912
FORMULA: 1000*(1+T)= 8056.5059
= 8056.50592
T = 19.14%
R = 705.65%
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 2.341570 427.06396
1 FEE 01-Feb-89 0.637000637 2.901450 0.21955 0.06
2 FEE 01-Feb-90 0.637000637 3.148552 0.20232 0.05
3 FEE 01-Feb-91 0.637000637 3.397622 0.18748 0.05
4 01-Feb-92 0.637000637 3.838496 0.16595 0.04
5 01-Feb-93 0.637000637 4.167631 0.15284 0.03
6 01-Feb-94 0.637000637 4.734578 0.13454 0.02
7 01-Feb-95 0.637000637 4.642734 0.13720 0
8 01-Feb-96 0.637000637 6.229228 0.10226 0
9 01-Feb-97 0.637000637 7.563335 0.08422 0
10 01-Feb-98 0.637000637 8.862145 0.07188 0
11 01-Feb-99 0.637000637 10.075167 0.06322 0
12 31-Dec-99 0.637000637 10.000000 0.06370 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 425.47879 4254.7879
11.912
FORMULA: 1000*(1+T)= 4254.7879
= 4254.787893
T = 12.93%
R = 325.48%
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 5.484658 182.32678
1 FEE 02-Jan-98 0.637000637 7.565887 0.08419 0.06
2 FEE 02-Jan-99 0.637000637 8.393458 0.07589 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 182.10300 1821.0300
2.992
FORMULA: 1000*(1+T)= 1821.0300
= 1778.529981
T = 21.22%
R = 77.85%
Aim Aggressive Growth
01-May-98
TO NO. YEARS 1.667
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-May-98 1000.00 7.218045 138.54166
1 FEE 01-May-99 0.637000637 6.898706 0.09234 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 138.38563 1383.8563
1.667
FORMULA: 1000*(1+T)= 1383.8563
= 1341.356272
T = 19.26%
R = 34.14%
Aim Blue Chip
29-Dec-99
TO NO. YEARS 0.005
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 29-Dec-99 1000.00 10.000926 99.99074
1 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 99.92704 999.2704
0.005
FORMULA: 1000*(1+T)= 999.2704
= 948.2703988
T = -99.99%
R = -5.17%
Putnam International New Opp.
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 4.504660 221.99232
1 FEE 02-Jan-98 0.637000637 4.435700 0.14361 0.06
2 FEE 02-Jan-99 0.637000637 5.014191 0.12704 0.05
3 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 221.65798 2216.5798
2.992
FORMULA: 1000*(1+T)= 2216.5798
= 2174.079758
T = 29.63%
R = 117.41%
Putnam New Opp.
02-May-94
TO NO. YEARS 5.665
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-May-94 1000.00 2.473999 404.20388
1 FEE 02-May-95 0.637000637 2.828105 0.22524 0.06
2 FEE 02-May-96 0.637000637 4.302264 0.14806 0.05
3 FEE 02-May-97 0.637000637 3.977314 0.16016 0.05
4 02-May-98 0.637000637 5.699489 0.11176 0.04
5 02-May-99 0.637000637 6.390868 0.09967 0.03
6 31-Dec-99 0.637000637 10.000000 0.06370 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 403.39528 4033.9528
5.665
FORMULA: 1000*(1+T)= 4033.9528
= 4016.952809
T = 27.82%
R = 301.70%
Putnam OTC & Emerging Gr.
30-Apr-98
TO NO. YEARS 1.670
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 30-Apr-98 1000.00 4.505370 221.95734
1 FEE 30-Apr-99 0.637000637 5.055666 0.12600 0.06
2 FEE 31-Dec-99 0.637000637 10.000000 0.06370 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 221.76764 2217.6764
1.670
FORMULA: 1000*(1+T)= 2217.6764
= 2175.176435
T = 59.25%
R = 117.52%
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 31-Dec-89 1000.00 7.484722 133.60549
FEE 31-Dec-90 0.637000637 7.923475 0.08039
FEE 31-Dec-91 0.637000637 8.218241 0.07751
FEE 31-Dec-92 0.637000637 8.337193 0.07640
FEE 31-Dec-93 0.637000637 8.401820 0.07582
FEE 31-Dec-94 0.637000637 8.559657 0.07442
FEE 31-Dec-95 0.637000637 8.866508 0.07184
FEE 31-Dec-96 0.637000637 9.139864 0.06969
FEE 31-Dec-97 0.637000637 9.433544 0.06753
FEE 31-Dec-98 0.637000637 9.730606 0.06546
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.88272 1328.8272
10.000
FORMULA: 1000*(1+T)= 1328.8272 - (0.85 * 1000 * 0)
= 1328.827196
T = 2.88%
R = 32.88%
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 31-Dec-89 1000.00 5.467666 182.89339
FEE 31-Dec-90 0.637000637 3.924661 0.16231
FEE 31-Dec-91 0.637000637 6.107059 0.10431
FEE 31-Dec-92 0.637000637 7.093586 0.08980
FEE 31-Dec-93 0.637000637 8.639775 0.07373
FEE 31-Dec-94 0.637000637 8.286486 0.07687
FEE 31-Dec-95 0.637000637 9.322183 0.06833
FEE 31-Dec-96 0.637000637 10.237454 0.06222
FEE 31-Dec-97 0.637000637 11.232285 0.05671
FEE 31-Dec-98 0.637000637 10.333493 0.06164
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 182.07377 1820.7377
10.000
FORMULA: 1000*(1+T)= 1820.7377 - (0.85 * 1000 * 0)
= 1820.737699
T = 6.18%
R = 82.07%
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 31-Dec-89 1000.00 1.525671 655.44937
FEE 31-Dec-90 0.637000637 1.442070 0.44173
FEE 31-Dec-91 0.637000637 2.249549 0.28317
FEE 31-Dec-92 0.637000637 2.209771 0.28827
FEE 31-Dec-93 0.637000637 2.594484 0.24552
FEE 31-Dec-94 0.637000637 2.393316 0.26616
FEE 31-Dec-95 0.637000637 3.382846 0.18830
FEE 31-Dec-96 0.637000637 3.727607 0.17089
FEE 31-Dec-97 0.637000637 5.024641 0.12678
FEE 31-Dec-98 0.637000637 6.428809 0.09909
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 653.27578 6532.7578
10.000
1000*(1+T)= 6532.7578 - (0.85 * 1000 * 0)
= 6532.757791
T = 20.65%
R = 553.28%
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 31-Dec-89 1000.00 5.752062 173.85070
FEE 31-Dec-90 0.637000637 6.028389 0.10567
FEE 31-Dec-91 0.637000637 7.006853 0.09091
FEE 31-Dec-92 0.637000637 7.441120 0.08561
FEE 31-Dec-93 0.637000637 8.246478 0.07725
FEE 31-Dec-94 0.637000637 7.533442 0.08456
FEE 31-Dec-95 0.637000637 9.211195 0.06916
FEE 31-Dec-96 0.637000637 9.173924 0.06944
FEE 31-Dec-97 0.637000637 9.997686 0.06371
FEE 31-Dec-98 0.637000637 10.655836 0.05978
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 173.08093 1730.8093
10.000
FORMULA: 1000*(1+T)= 1730.8093 - (0.85 * 1000 * 0)
= 1730.809313
T = 5.64%
R = 73.08%
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 31-Dec-89 1000.00 3.564818 280.51926
FEE 31-Dec-90 0.637000637 3.550348 0.17942
FEE 31-Dec-91 0.637000637 4.466307 0.14262
FEE 31-Dec-92 0.637000637 4.697495 0.13560
FEE 31-Dec-93 0.637000637 5.086150 0.12524
FEE 31-Dec-94 0.637000637 5.189603 0.12275
FEE 31-Dec-95 0.637000637 5.563724 0.11449
FEE 31-Dec-96 0.637000637 6.276043 0.10150
FEE 31-Dec-97 0.637000637 6.999980 0.09100
FEE 31-Dec-98 0.637000637 8.688281 0.07332
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 279.36962 2793.6962
10.000
FORMULA: 1000*(1+T)= 2793.6962 - (0.85 * 1000 * 0)
= 2793.696167
T = 10.82%
R = 179.37%
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 1.623421 615.98318
FEE 31-Dec-90 0.637000637 1.559127 0.40856
FEE 31-Dec-91 0.637000637 2.232877 0.28528
FEE 31-Dec-92 0.637000637 2.415640 0.26370
FEE 31-Dec-93 0.637000637 2.810887 0.22662
FEE 31-Dec-94 0.637000637 2.784110 0.22880
FEE 31-Dec-95 0.637000637 3.839346 0.16591
FEE 31-Dec-96 0.637000637 4.251807 0.14982
FEE 31-Dec-97 0.637000637 5.273234 0.12080
FEE 31-Dec-98 0.637000637 6.436090 0.09897
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 613.97102 6139.7102
10.000
FORMULA: 1000*(1+T)= 6139.7102 - (0.85 * 1000 * 0)
= 6139.71019
T = 19.90%
R = 513.97%
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 31-Dec-89 1000.00 3.281300 304.75723
FEE 31-Dec-90 0.637000637 3.279745 0.19422
FEE 31-Dec-91 0.637000637 3.827497 0.16643
FEE 31-Dec-92 0.637000637 4.118030 0.15469
FEE 31-Dec-93 0.637000637 4.612785 0.13809
FEE 31-Dec-94 0.637000637 4.537667 0.14038
FEE 31-Dec-95 0.637000637 6.081442 0.10475
FEE 31-Dec-96 0.637000637 7.268341 0.08764
FEE 31-Dec-97 0.637000637 8.845872 0.07201
FEE 31-Dec-98 0.637000637 10.023858 0.06355
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 303.57177 3035.7177
10.000
FORMULA: 1000*(1+T)= 3035.7177 - (0.85 * 1000 * 0)
= 3035.71774
T = 11.74%
R = 203.57%
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99
<S> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.285176 137.26504
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 137.20134 1372.0134
1.000
FORMULA: 1000*(1+T)= 1372.0134 - (0.85 * 1000 * 0.01)
= 1363.5134
T = 36.35%
R = 36.35%
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 8.114803 123.23158
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.16788 1231.6788
1.000
FORMULA: 1000*(1+T)= 1231.6788 - (0.85 * 1000 * 0.01)
= 1223.1788
T = 22.32%
R = 22.32%
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 5.217727 191.65434
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.59064 1915.9064
1.000
FORMULA: 1000*(1+T)= 1915.9064 - (0.85 * 1000 * 0.01)
= 1907.4064
T = 90.74%
R = 90.74%
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 4.970625 201.18194
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 201.11824 2011.1824
1.000
FORMULA: 1000*(1+T)= 2011.1824 - (0.85 * 1000 * 0.01)
= 2002.6824
T = 100.27%
R = 100.27%
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 10.311025 96.98357
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.91987 969.1987
1.000
FORMULA: 1000*(1+T)= 969.1987 - (0.85 * 1000 * 0.01)
= 960.6987
T = -3.93%
R = -3.93%
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 7.223025 138.44615
1 FEE 16-Mar-99 0.637001 7.824308 0.08141 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 138.30103 1383.0103
1.793
FORMULA: 1000*(1+T)= 1383.0103
= 1340.5103
T = 17.75%
R = 34.05%
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 8.334057 119.98958
1 FEE 16-Mar-99 0.637001 8.146127 0.07820 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 119.84768 1198.4768
1.793
FORMULA: 1000*(1+T)= 1198.4768
= 1155.9768
T = 8.42%
R = 15.60%
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 7.398137 135.16916
1 FEE 16-Mar-99 0.637001 5.742172 0.11093 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 134.99452 1349.9452
1.793
FORMULA: 1000*(1+T)= 1349.9452
= 1307.4452
T = 16.12%
R = 30.74%
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 4.150672 240.92484
1 FEE 16-Mar-99 0.637001 5.502189 0.11577 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 240.74537 2407.4537
1.793
FORMULA: 1000*(1+T)= 2407.4537
= 2364.9537
T = 61.61%
R = 136.50%
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 11.667208 85.71031
1 FEE 18-May-99 0.637001 11.086413 0.05746 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 85.58915 855.8915
1.621
FORMULA: 1000*(1+T)= 855.8915
= 813.39151
T = -11.96%
R = -18.66%
<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 Non-Standardized Performance
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
Fund Date AUV AUV AUV AUV AUV AUV
Equity Growth 03/16/98 7.223025118 N/A N/A N/A N/A 7.285176203
International Magnum 03/16/98 8.334057321 N/A N/A N/A N/A 8.114803029
Emerging Markets 03/16/98 7.398137457 N/A N/A N/A N/A 5.217726748
Emerging Growth 03/16/98 4.150671991 N/A N/A N/A N/A 4.970625142
Real Estate 05/18/98 11.66720796 N/A N/A N/A N/A 10.31102488
YTD 3 Months Today's Inception Ten Years
Fund AUV AUV AUV Total Average Total
Equity Growth 7.285176203 8.241608601 10 38.45% 19.88% N/A N/A
International Magnum 8.114803029 8.954568339 10 19.99% 10.69% N/A N/A
Emerging Markets 5.217726748 6.717268156 10 35.17% 18.29% N/A N/A
Emerging Growth 4.970625142 6.252254592 10 140.92% 63.23% N/A N/A
Real Estate 10.31102488 10.14085265 10 -14.29% -9.07% N/A N/A
Five Years Three Years Two Years
Fund Average Total Average Total Average Total
Equity Growth N/A N/A N/A N/A N/A N/A
International Magnum N/A N/A N/A N/A N/A N/A
Emerging Markets N/A N/A N/A N/A N/A N/A
Emerging Growth N/A N/A N/A N/A N/A N/A
Real Estate N/A N/A N/A N/A N/A N/A
One Year YTD Three Months
Fund Average
Equity Growth 37.27% 37.27% 21.34%
International Magnum 23.23% 23.23% 11.67%
Emerging Markets 91.65% 91.65% 48.87%
Emerging Growth 101.18% 101.18% 59.94%
Real Estate -3.02% -3.02% -1.39%
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. Y1.000
TO
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.719910102.88161
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000102.81791028.1791
1.000
FORMULA: 1000*(1+1028.1791- (0.85 * 1000 * 0.01)
= 1019.6791
T = 1.97%
R = 1.97%
NLIC VAII HIGH YIELD
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.3221396.87920
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000096.81550968.1550
1.000
FORMULA: 1000*(1+968.1550 - (0.85 * 1000 * 0.01)
= 959.6550
T = -4.03%
R = -4.03%
NLIC VAII EQUITY
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.421757155.72062
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000155.65691556.5692
1.000
FORMULA: 1000*(1+1556.5692- (0.85 * 1000 * 0.01)
= 1548.0692
T = 54.81%
R = 54.81%
NLIC VAII QUALITY INCOME
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.6441193.94862
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000093.88492938.8492
1.000
FORMULA: 1000*(1+938.8492 - (0.85 * 1000 * 0.01)
= 930.3492
T = -6.97%
R = -6.97%
NLIC VAII STRATEGIST
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.678736115.22415
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000115.16041151.6045
1.000
FORMULA: 1000*(1+1151.6045- (0.85 * 1000 * 0.01)
= 1143.1045
T = 14.31%
R = 14.31%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.4341895.83885
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000095.77515957.7515
1.000
FORMULA: 1000*(1+957.7515 - (0.85 * 1000 * 0.01)
= 949.2515
T = -5.07%
R = -5.07%
NLIC VAII UTILITIES
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.035696110.67217
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000110.60841106.0847
1.000
FORMULA: 1000*(1+1106.0847- (0.85 * 1000 * 0.01)
= 1097.5847
T = 9.76%
R = 9.76%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.888040126.77421
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000126.71051267.1051
1.000
FORMULA: 1000*(1+1267.1051- (0.85 * 1000 * 0.01)
= 1258.6051
T = 25.86%
R = 25.86%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.640500130.88148
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000130.81771308.1778
1.000
FORMULA: 1000*(1+1308.1778- (0.85 * 1000 * 0.01)
= 1299.6778
T = 29.97%
R = 29.97%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.131637163.08857
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000163.02481630.2487
1.000
FORMULA: 1000*(1+1630.2487- (0.85 * 1000 * 0.01)
= 1621.7487
T = 62.17%
R = 62.17%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.883013112.57442
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000112.51071125.1072
1.000
FORMULA: 1000*(1+1125.1072- (0.85 * 1000 * 0.01)
= 1116.6072
T = 11.66%
R = 11.66%
NLIC VAII INCOME BUILDER
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.512723105.12237
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000105.05861050.5867
1.000
FORMULA: 1000*(1+1050.5867- (0.85 * 1000 * 0.01)
= 1042.0867
T = 4.21%
R = 4.21%
NLIC VAII EQUITY GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.285176137.26504
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000137.20131372.0134
1.000
FORMULA: 1000*(1+1372.0134- (0.85 * 1000 * 0.01)
= 1363.5134
T = 36.35%
R = 36.35%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.114803123.23158
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000123.16781231.6788
1.000
FORMULA: 1000*(1+1231.6788- (0.85 * 1000 * 0.01)
= 1223.1788
T = 22.32%
R = 22.32%
NLIC VAII EMERGING MARKETS
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.217727191.65434
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000191.59061915.9064
1.000
FORMULA: 1000*(1+1915.9064- (0.85 * 1000 * 0.01)
= 1907.4064
T = 90.74%
R = 90.74%
NLIC VAII EMERGING GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.970625201.18194
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000201.11822011.1824
1.000
FORMULA: 1000*(1+2011.1824- (0.85 * 1000 * 0.01)
= 2002.6824
T = 100.27%
R = 100.27%
NLIC VAII REAL ESTATE
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.3110296.98357
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000096.91987969.1987
1.000
FORMULA: 1000*(1+969.1987 - (0.85 * 1000 * 0.01)
= 960.6987
T = -3.93%
R = -3.93%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.076785123.81164
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000123.74791237.4794
1.000
FORMULA: 1000*(1+1237.4794- (0.85 * 1000 * 0.01)
= 1228.9794
T = 22.90%
R = 22.90%
NLIC VAII S&P 500 INDEX
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.508585117.52836
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000117.46461174.6466
1.000
FORMULA: 1000*(1+1174.6466- (0.85 * 1000 * 0.01)
= 1166.1466
T = 16.61%
R = 16.61%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.562792132.22629
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000132.16251321.6259
1.000
FORMULA: 1000*(1+1321.6259- (0.85 * 1000 * 0.01)
= 1313.1259
T = 31.31%
R = 31.31%
Alliance Growth and Income
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.131660109.50911
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000109.44541094.4541
1.000
FORMULA: 1000*(1+1094.4541- (0.85 * 1000 * 0.01)
= 1085.9541
T = 8.60%
R = 8.60%
Aim Cap App
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.024937142.35003
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000142.28631422.8633
1.000
FORMULA: 1000*(1+1422.8633- (0.85 * 1000 * 0.01)
= 1414.3633
T = 41.44%
R = 41.44%
Aim Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.512153133.11762
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000133.05391330.5392
1.000
FORMULA: 1000*(1+1330.5392- (0.85 * 1000 * 0.01)
= 1322.0392
T = 32.20%
R = 32.20%
Aim Value
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.820851127.86332
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000127.79961277.9962
1.000
FORMULA: 1000*(1+1277.9962- (0.85 * 1000 * 0.01)
= 1269.4962
T = 26.95%
R = 26.95%
Putnam International Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.347884157.53282
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000157.46911574.6912
1.000
FORMULA: 1000*(1+1574.6912- (0.85 * 1000 * 0.01)
= 1566.1912
T = 56.62%
R = 56.62%
Putnam Voyager
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.429035155.54433
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000155.48061554.8063
1.000
FORMULA: 1000*(1+1554.8063- (0.85 * 1000 * 0.01)
= 1546.3063
T = 54.63%
R = 54.63%
Putnam Growth & Income
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.0128399.87186
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000099.80816998.0816
1.000
FORMULA: 1000*(1+998.0816 - (0.85 * 1000 * 0.01)
= 989.5816
T = -1.04%
R = -1.04%
MSDW Mid Cap
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.424280118.70451
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000118.64081186.4081
1.000
FORMULA: 1000*(1+1186.4081- (0.85 * 1000 * 0.01)
= 1177.9081
T = 17.79%
R = 17.79%
Aim Aggressive Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.022192142.40567
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000142.34191423.4197
1.000
FORMULA: 1000*(1+1423.4197- (0.85 * 1000 * 0.01)
= 1414.9197
T = 41.49%
R = 41.49%
Aim Blue Chip
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.008725199.65161
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000199.58791995.8791
1.000
FORMULA: 1000*(1+1995.8791- (0.85 * 1000 * 0.01)
= 1987.3791
T = 98.74%
R = 98.74%
Putnam New Opp.
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.007688166.45339
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000166.38961663.8969
1.000
FORMULA: 1000*(1+1663.8969- (0.85 * 1000 * 0.01)
= 1655.3969
T = 65.54%
R = 65.54%
Putnam OTC & Emerging Gr.
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.486267222.90245
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000222.83872228.3875
1.000
FORMULA: 1000*(1+2228.3875- (0.85 * 1000 * 0.01)
= 2219.8875
T = 121.99%
R = 121.99%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.512716117.47132
FEE 31-Dec-0.6370008.8275340.07216
FEE 31-Dec-0.6370009.1097570.06993
FEE 31-Dec-0.6370009.4128160.06767
FEE 31-Dec-0.6370009.7199100.06554
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000117.13231171.3232
5.000
FORMULA: 1000*(1+1171.3232
= 1171.323232
T = 3.21%
R = 17.13%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.241045121.34384
FEE 31-Dec-0.6370009.2812060.06863
FEE 31-Dec-0.63700010.203720.06243
FEE 31-Dec-0.63700011.207600.05684
FEE 31-Dec-0.63700010.322130.06171
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000121.03051210.3053
5.000
FORMULA: 1000*(1+1210.3053
= 1210.305285
T = 3.89%
R = 21.03%
NLIC VAII EQUITY
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.380203420.13232
FEE 31-Dec-0.6370003.3679900.18913
FEE 31-Dec-0.6370003.7153450.17145
FEE 31-Dec-0.6370005.0136180.12705
FEE 31-Dec-0.6370006.4217570.09919
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000419.48174194.8178
5.000
FORMULA: 1000*(1+4194.8178
= 4194.817835
T = 33.21%
R = 319.48%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.492129133.47341
FEE 31-Dec-0.6370009.1707000.06946
FEE 31-Dec-0.6370009.1437020.06967
FEE 31-Dec-0.6370009.9757140.06386
FEE 31-Dec-0.63700010.644110.05985
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000133.14681331.4688
5.000
FORMULA: 1000*(1+1331.4688
= 1331.468787
T = 5.89%
R = 33.15%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.161155193.75508
FEE 31-Dec-0.6370005.5392800.11500
FEE 31-Dec-0.6370006.2553830.10183
FEE 31-Dec-0.6370006.9846110.09120
FEE 31-Dec-0.6370008.6787360.07340
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000193.30991933.0995
5.000
FORMULA: 1000*(1+1933.0995
= 1933.099521
T = 14.09%
R = 93.31%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.651785214.97122
FEE 31-Dec-0.6370006.1953920.10282
FEE 31-Dec-0.6370007.5400160.08448
FEE 31-Dec-0.6370009.2991610.06850
FEE 31-Dec-0.63700010.434180.06105
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000214.59062145.9067
5.000
FORMULA: 1000*(1+2145.9067
= 2145.906725
T = 16.50%
R = 114.59%
NLIC VAII UTILITIES
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.422145226.13462
FEE 31-Dec-0.6370005.5818090.11412
FEE 31-Dec-0.6370005.9557650.10696
FEE 31-Dec-0.6370007.4356880.08567
FEE 31-Dec-0.6370009.0356960.07050
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000225.69362256.9368
5.000
FORMULA: 1000*(1+2256.9368
= 2256.936775
T = 17.68%
R = 125.69%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.608713277.10709
FEE 31-Dec-0.6370004.4550670.14298
FEE 31-Dec-0.6370005.6857470.11203
FEE 31-Dec-0.6370006.4805810.09829
FEE 31-Dec-0.6370007.8880400.08076
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000276.60932766.0932
5.000
FORMULA: 1000*(1+2766.0932
= 2766.093193
T = 22.57%
R = 176.61%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.703219270.03536
FEE 31-Dec-0.6370004.8570850.13115
FEE 31-Dec-0.6370005.3191730.11976
FEE 31-Dec-0.6370006.5044760.09793
FEE 31-Dec-0.6370007.6405000.08337
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000269.53942695.3946
5.000
FORMULA: 1000*(1+2695.3946
= 2695.394558
T = 21.93%
R = 169.54%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.6550793.85201
FEE 31-Dec-0.63700011.171470.05702
FEE 31-Dec-0.63700011.394150.05591
FEE 31-Dec-0.6370006.9696900.09140
FEE 31-Dec-0.6370006.1316370.10389
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000093.48010934.8010
5.000
FORMULA: 1000*(1+934.8010
= 934.8010052
T = -1.34%
R = -6.52%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.273631189.62268
FEE 31-Dec-0.6370006.3303750.10063
FEE 31-Dec-0.6370007.3080570.08716
FEE 31-Dec-0.6370008.0394570.07923
FEE 31-Dec-0.6370008.8830130.07171
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000189.22021892.2025
5.000
FORMULA: 1000*(1+1892.2025
= 1892.202469
T = 13.60%
R = 89.22%
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370009.3866950.06786
FEE 31-Dec-0.6370009.5127230.06696
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370006.2042740.10267
FEE 31-Dec-0.6370007.2851760.08744
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.5930210.08389
FEE 31-Dec-0.6370008.1148030.07850
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.1171810.08950
FEE 31-Dec-0.6370007.0271760.09065
FEE 31-Dec-0.6370005.2177270.12208
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.6370002.6973100.23616
FEE 31-Dec-0.6370003.0968730.20569
FEE 31-Dec-0.6370003.6709550.17352
FEE 31-Dec-0.6370004.9706250.12815
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700012.032430.05294
FEE 31-Dec-0.63700010.311020.06178
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370008.0767850.07887
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370008.5085850.07487
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Alliance Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.797097357.51352
FEE 31-Dec-0.6370003.7151470.17146
FEE 31-Dec-0.6370004.6869700.13591
FEE 31-Dec-0.6370005.9835580.10646
FEE 31-Dec-0.6370007.5627920.08423
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000356.95173569.5177
5.000
FORMULA: 1000*(1+3569.5177
= 3569.517664
T = 28.98%
R = 256.95%
Alliance Growth and Income
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.744342267.06963
FEE 31-Dec-0.6370004.9929670.12758
FEE 31-Dec-0.6370006.0834240.10471
FEE 31-Dec-0.6370007.6931780.08280
FEE 31-Dec-0.6370009.1316600.06976
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000266.62102666.2108
5.000
FORMULA: 1000*(1+2666.2108
= 2666.210819
T = 21.67%
R = 166.62%
Aim Cap App
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.566719280.36971
FEE 31-Dec-0.6370004.7639310.13371
FEE 31-Dec-0.6370005.5132200.11554
FEE 31-Dec-0.6370006.1597000.10341
FEE 31-Dec-0.6370007.0249370.09068
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000279.86262798.6267
5.000
FORMULA: 1000*(1+2798.6267
= 2798.626697
T = 22.85%
R = 179.86%
Aim Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.169060315.55102
FEE 31-Dec-0.6370004.2041610.15152
FEE 31-Dec-0.6370004.8864690.13036
FEE 31-Dec-0.6370006.1022570.10439
FEE 31-Dec-0.6370007.5121530.08480
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000315.01623150.1626
5.000
FORMULA: 1000*(1+3150.1626
= 3150.162559
T = 25.80%
R = 215.02%
Aim Value
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.410494293.21264
FEE 31-Dec-0.6370004.5741470.13926
FEE 31-Dec-0.6370005.1784300.12301
FEE 31-Dec-0.6370006.3047760.10103
FEE 31-Dec-0.6370007.8208510.08145
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000292.70412927.0418
5.000
FORMULA: 1000*(1+2927.0418
= 2927.041844
T = 23.96%
R = 192.70%
Putnam International Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370005.4454420.11698
FEE 31-Dec-0.6370006.3478840.10035
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.768854361.16022
FEE 31-Dec-0.6370003.8225060.16664
FEE 31-Dec-0.6370004.2378180.15031
FEE 31-Dec-0.6370005.2616670.12106
FEE 31-Dec-0.6370006.4290350.09908
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000360.55943605.5941
5.000
FORMULA: 1000*(1+3605.5941
= 3605.59413
T = 29.24%
R = 260.56%
Putnam Growth & Income
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.512790221.59242
FEE 31-Dec-0.6370006.0547500.10521
FEE 31-Dec-0.6370007.2444000.08793
FEE 31-Dec-0.6370008.8264300.07217
FEE 31-Dec-0.63700010.012830.06362
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000221.19972211.9979
5.000
FORMULA: 1000*(1+2211.9979
= 2211.997909
T = 17.21%
R = 121.20%
MSDW Mid Cap
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.5841290.08399
FEE 31-Dec-0.6370008.4242800.07561
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Aggressive Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.0221920.09071
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Blue Chip
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370004.4087350.14449
FEE 31-Dec-0.6370005.0087250.12718
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam New Opp.
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.629792380.25823
FEE 31-Dec-0.6370003.7445470.17011
FEE 31-Dec-0.6370004.0546550.15710
FEE 31-Dec-0.6370004.9131350.12965
FEE 31-Dec-0.6370006.0076880.10603
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000379.63163796.3163
5.000
FORMULA: 1000*(1+3796.3163
= 3796.316282
T = 30.58%
R = 279.63%
Putnam OTC & Emerging Gr.
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370004.4862670.14199
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
09-Mar-84
TO NO. Y15.811
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS09-Mar-1000.00 5.546367180.29819
1 FEE 09-Mar-0.6370005.7523760.11074 0.06
2 FEE 09-Mar-0.6370006.0819630.10474 0.05
3 FEE 09-Mar-0.6370006.3354420.10055 0.05
4 09-Mar-0.6370006.6253700.09615 0.04
5 09-Mar-0.6370007.0010590.09099 0.03
6 09-Mar-0.6370007.4876510.08507 0.02
7 09-Mar-0.6370007.9144880.08049 0
8 09-Mar-0.6370008.1802460.07787 0
9 09-Mar-0.6370008.2889840.07685 0
10 09-Mar-0.6370008.3607570.07619 0
11 09-Mar-0.6370008.5687780.07434 0
12 09-Mar-0.6370008.8822430.07172 0
13 09-Mar-0.6370009.1612400.06953 0
14 FEE 09-Mar-0.6370009.4710080.06726 0
15 FEE 09-Mar-0.6370009.7695520.06520 0
RESULTING VAL31-Dec-99 10.00000179.05051790.5053
15.811
FORMULA: 1000*(1+1790.5053
= 1790.505268
T = 3.75%
R = 79.05%
NLIC VAII HIGH YIELD
09-Mar-84
TO NO. Y15.811
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS09-Mar-1000.00 3.931751254.33959
1 FEE 09-Mar-0.6370004.3858830.14524 0.06
2 FEE 09-Mar-0.6370005.5391790.11500 0.05
3 FEE 09-Mar-0.6370006.5046970.09793 0.05
4 09-Mar-0.6370006.1547120.10350 0.04
5 09-Mar-0.6370006.5402060.09740 0.03
6 09-Mar-0.6370005.0932400.12507 0.02
7 09-Mar-0.6370004.6181080.13794 0
8 09-Mar-0.6370006.9738220.09134 0
9 09-Mar-0.6370007.5679900.08417 0
10 09-Mar-0.6370008.8488980.07199 0
11 09-Mar-0.6370008.3444450.07634 0
12 09-Mar-0.6370009.4972400.06707 0
13 09-Mar-0.63700010.203590.06243 0
14 FEE 09-Mar-0.63700011.386150.05595 0
15 FEE 09-Mar-0.63700010.185350.06254 0
RESULTING VAL31-Dec-99 10.00000252.94572529.4570
15.811
FORMULA: 1000*(1+2529.4570
= 2529.457006
T = 6.04%
R = 152.95%
NLIC VAII EQUITY
09-Mar-84
TO NO. Y15.811
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS09-Mar-1000.00 0.8664631154.11682
1 FEE 09-Mar-0.6370000.9856030.64631 0.06
2 FEE 09-Mar-0.6370001.2560510.50715 0.05
3 FEE 09-Mar-0.6370001.5524140.41033 0.05
4 09-Mar-0.6370001.3271300.47998 0.04
5 09-Mar-0.6370001.3555630.46992 0.03
6 09-Mar-0.6370001.4537330.43818 0.02
7 09-Mar-0.6370001.6935610.37613 0
8 09-Mar-0.6370002.0695920.30779 0
9 09-Mar-0.6370002.3095930.27581 0
10 09-Mar-0.6370002.6878440.23699 0
11 09-Mar-0.6370002.4885030.25598 0
12 09-Mar-0.6370003.3760120.18868 0
13 09-Mar-0.6370004.0061840.15900 0
14 FEE 09-Mar-0.6370005.3358460.11938 0
15 FEE 09-Mar-0.6370006.9905740.09112 0
RESULTING VAL31-Dec-99 10.000001149.15411491.5406
15.811
FORMULA: 1000*(1+11491.5406
= 11491.54065
T = 16.70%
R = 1049.15%
NLIC VAII QUALITY INCOME
02-Mar-87
TO NO. Y12.832
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Mar-1000.00 4.814600207.70158
1 FEE 02-Mar-0.6370005.0631050.12581 0.06
2 FEE 02-Mar-0.6370005.1466560.12377 0.05
3 FEE 02-Mar-0.6370005.5650120.11447 0.05
4 02-Mar-0.6370006.1062950.10432 0.04
5 02-Mar-0.6370006.8544470.09293 0.03
6 02-Mar-0.6370007.7773220.08190 0.02
7 02-Mar-0.6370008.0015560.07961 0
8 02-Mar-0.6370007.8493150.08115 0
9 02-Mar-0.6370008.9562850.07112 0
10 02-Mar-0.6370009.1588820.06955 0
11 02-Mar-0.63700010.010240.06363 0
12 02-Mar-0.63700010.353250.06153 0
13 31-Dec-0.63700010.000000.06370 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VAL31-Dec-99 10.00000206.56802065.6808
12.832
FORMULA: 1000*(1+2065.6808
= 2065.680808
T = 5.82%
R = 106.57%
NLIC VAII STRATEGIST
02-Mar-87
TO NO. Y12.832
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Mar-1000.00 2.938288340.33421
1 FEE 02-Mar-0.6370003.1550740.20190 0.06
2 FEE 02-Mar-0.6370003.2788440.19428 0.05
3 FEE 02-Mar-0.6370003.5293490.18049 0.05
4 02-Mar-0.6370003.9213930.16244 0.04
5 02-Mar-0.6370004.4690540.14254 0.03
6 02-Mar-0.6370004.8033700.13262 0.02
7 02-Mar-0.6370005.1037770.12481 0
8 02-Mar-0.6370005.1997780.12251 0
9 02-Mar-0.6370005.7038530.11168 0
10 02-Mar-0.6370006.4869460.09820 0
11 02-Mar-0.6370007.4432410.08558 0
12 02-Mar-0.6370008.7146740.07310 0
13 31-Dec-0.63700010.000000.06370 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VAL31-Dec-99 10.00000338.64033386.4039
12.832
FORMULA: 1000*(1+3386.4039
= 3386.403936
T = 9.97%
R = 238.64%
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. Y9.834
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 3.586760278.80319
1 FEE 01-Mar-0.6370003.6753890.17332 0.06
2 FEE 01-Mar-0.6370004.1040650.15521 0.05
3 FEE 01-Mar-0.6370004.4860630.14200 0.05
4 01-Mar-0.6370004.8022350.13265 0.04
5 01-Mar-0.6370004.9213840.12944 0.03
6 01-Mar-0.6370006.5641540.09704 0.02
7 01-Mar-0.6370007.8160300.08150 0
8 01-Mar-0.6370009.8732150.06452 0
9 01-Mar-0.63700010.200710.06245 0
10 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000277.70132777.0138
9.834
FORMULA: 1000*(1+2777.0138
= 2777.013798
T = 10.94%
R = 177.70%
NLIC VAII UTILITIES
01-Mar-90
TO NO. Y9.834
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 3.230948309.50668
1 FEE 01-Mar-0.6370003.4313660.18564 0.06
2 FEE 01-Mar-0.6370003.7916070.16800 0.05
3 FEE 01-Mar-0.6370004.6774450.13619 0.05
4 01-Mar-0.6370004.6940110.13570 0.04
5 01-Mar-0.6370004.5889700.13881 0.03
6 01-Mar-0.6370005.6135230.11348 0.02
7 01-Mar-0.6370006.0078560.10603 0
8 01-Mar-0.6370007.6374660.08340 0
9 01-Mar-0.6370008.6991010.07323 0
10 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000308.30253083.0250
9.834
FORMULA: 1000*(1+3083.0250
= 3083.025046
T = 12.13%
R = 208.30%
NLIC VAII EUROPEAN GROWTH
01-Mar-91
TO NO. Y8.835
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 2.402730416.19319
1 FEE 01-Mar-0.6370002.4645490.25847 0.06
2 FEE 01-Mar-0.6370002.5569770.24912 0.05
3 FEE 01-Mar-0.6370003.4997770.18201 0.05
4 01-Mar-0.6370003.6932340.17248 0.04
5 01-Mar-0.6370004.6766690.13621 0.03
6 01-Mar-0.6370005.7031450.11169 0.02
7 01-Mar-0.6370007.3127930.08711 0
8 01-Mar-0.6370007.7457470.08224 0
9 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000414.85014148.5016
8.835
FORMULA: 1000*(1+4148.5016
= 4148.501614
T = 17.47%
R = 314.85%
NLIC VAII CAPITAL GROWTH
01-Mar-91
TO NO. Y8.835
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 3.331017300.20862
1 FEE 01-Mar-0.6370004.0251660.15825 0.06
2 FEE 01-Mar-0.6370003.9076280.16301 0.05
3 FEE 01-Mar-0.6370003.8567540.16516 0.05
4 01-Mar-0.6370003.9710500.16041 0.04
5 01-Mar-0.6370005.1185920.12445 0.03
6 01-Mar-0.6370005.4659100.11654 0.02
7 01-Mar-0.6370007.0281850.09064 0
8 01-Mar-0.6370007.5802030.08403 0
9 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000299.08242990.8242
8.835
FORMULA: 1000*(1+2990.8242
= 2990.824191
T = 13.20%
R = 199.08%
NLIC VAII PACIFIC GROWTH
22-Feb-94
TO NO. Y5.854
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS22-Feb-1000.00 11.7175485.34211
1 FEE 22-Feb-0.63700010.060770.06332 0.06
2 FEE 22-Feb-0.63700012.071170.05277 0.05
3 FEE 22-Feb-0.63700011.501400.05538 0.05
4 22-Feb-0.6370006.9973600.09103 0.04
5 22-Feb-0.6370005.9016080.10794 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.0000084.90797849.0797
5.854
FORMULA: 1000*(1+849.0797
= 832.0796865
T = -3.09%
R = -16.79%
NLIC VAII GLOBAL DIVIDEND GROWTH
24-Feb-94
TO NO. Y5.848
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS24-Feb-1000.00 5.350851186.88615
1 FEE 24-Feb-0.6370005.3075080.12002 0.06
2 FEE 24-Feb-0.6370006.5396820.09741 0.05
3 FEE 24-Feb-0.6370007.3823040.08629 0.05
4 24-Feb-0.6370008.3809940.07601 0.04
5 24-Feb-0.6370008.6663980.07350 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000186.36921863.6923
5.848
FORMULA: 1000*(1+1863.6923
= 1846.692337
T = 11.06%
R = 84.67%
NLIC VAII INCOME BUILDER
21-Jan-97
TO NO. Y2.940
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS21-Jan-1000.00 7.803229128.15208
1 FEE 21-Jan-0.6370009.3608810.06805 0.06
2 FEE 21-Jan-0.6370009.5939400.06640 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000127.95391279.5393
2.940
FORMULA: 1000*(1+1279.5393
= 1237.039326
T = 7.50%
R = 23.70%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 4.736818211.11216
1 FEE 02-Jan-0.6370006.1891270.10292 0.06
2 FEE 02-Jan-0.6370007.2510890.08785 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000210.85762108.5769
2.992
FORMULA: 1000*(1+2108.5769
= 2066.076929
T = 27.44%
R = 106.61%
NLIC VAII INTERNATIONAL MAGNUM
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 7.187627139.12798
1 FEE 02-Jan-0.6370007.6216240.08358 0.06
2 FEE 02-Jan-0.6370008.2300680.07740 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000138.90331389.0330
2.992
FORMULA: 1000*(1+1389.0330
= 1346.532981
T = 10.45%
R = 34.65%
NLIC VAII EMERGING MARKETS
01-Oct-96
TO NO. Y3.247
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Oct-1000.00 7.305946136.87481
1 FEE 01-Oct-0.6370008.6874070.07332 0.06
2 FEE 01-Oct-0.6370004.4131090.14434 0.05
3 FEE 01-Oct-0.6370006.7097230.09494 0.05
4 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000136.49851364.9850
3.247
FORMULA: 1000*(1+1364.9850
= 1330.985037
T = 9.20%
R = 33.10%
NLIC VAII EMERGING GROWTH
03-Jul-95
TO NO. Y4.496
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS03-Jul-1000.00 2.321326430.78827
1 FEE 03-Jul-0.6370003.1371990.20305 0.06
2 FEE 03-Jul-0.6370003.4209210.18621 0.05
3 FEE 03-Jul-0.6370004.4716690.14245 0.05
4 03-Jul-0.6370006.1654780.10332 0.04
5 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000430.08954300.8954
4.496
FORMULA: 1000*(1+4300.8954
= 4275.395434
T = 38.15%
R = 327.54%
NLIC VAII REAL ESTATE
04-Mar-97
TO NO. Y2.825
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS04-Mar-1000.00 10.3323996.78300
1 FEE 04-Mar-0.63700011.747240.05423 0.06
2 FEE 04-Mar-0.6370009.9261960.06417 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.0000096.60090966.0090
2.825
FORMULA: 1000*(1+966.0090
= 923.509036
T = -2.78%
R = -7.65%
NLIC VAII COMPETITIVE EDGE
18-May-98
TO NO. Y1.621
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS18-May-1000.00 8.327416120.08527
1 FEE 18-May-0.6370008.3891130.07593 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000119.94561199.4564
1.621
FORMULA: 1000*(1+1199.4564
= 1156.956424
T = 9.41%
R = 15.70%
NLIC VAII S&P 500 INDEX
18-May-98
TO NO. Y1.621
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS18-May-1000.00 7.670143130.37566
1 FEE 18-May-0.6370009.1881170.06933 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000130.24261302.4263
1.621
FORMULA: 1000*(1+1302.4263
= 1259.926314
T = 15.32%
R = 25.99%
NLIC VAII AGGRESSIVE EQUITY
03-May-99
TO NO. Y0.663
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS03-May-1000.00 6.929115144.31857
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000144.25481442.5487
0.663
FORMULA: 1000*(1+1442.5487
= 1391.548717
T = 64.66%
R = 39.15%
NLIC VAII SHORT TERM BOND
03-May-99
TO NO. Y0.663
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS03-May-1000.00 9.966981100.33128
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000100.26751002.6758
0.663
FORMULA: 1000*(1+1002.6758
= 951.6758023
T = -7.20%
R = -4.83%
Alliance Premier Growth
14-Jul-99
TO NO. Y0.465
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS14-Jul-1000.00 8.906846112.27318
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000112.20941122.0948
0.465
FORMULA: 1000*(1+1122.0948
= 1071.094835
T = 15.90%
R = 7.11%
Alliance Growth
15-Sep-94
TO NO. Y5.292
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS15-Sep-1000.00 2.670407374.47475
1 FEE 15-Sep-0.6370003.5802160.17792 0.06
2 FEE 15-Sep-0.6370004.1493680.15352 0.05
3 FEE 15-Sep-0.6370005.6347130.11305 0.05
4 15-Sep-0.6370005.9125030.10774 0.04
5 15-Sep-0.6370008.1561080.07810 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000373.78073737.8073
5.292
FORMULA: 1000*(1+3737.8073
= 3720.80725
T = 28.18%
R = 272.08%
Alliance Growth and Income
14-Jan-91
TO NO. Y8.961
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS14-Jan-1000.00 3.237135308.91518
1 FEE 14-Jan-0.6370003.2921160.19349 0.06
2 FEE 14-Jan-0.6370003.4891410.18257 0.05
3 FEE 14-Jan-0.6370003.8269660.16645 0.05
4 14-Jan-0.6370003.7443420.17012 0.04
5 14-Jan-0.6370004.8409500.13159 0.03
6 14-Jan-0.6370006.2274350.10229 0.02
7 14-Jan-0.6370007.5141880.08477 0
8 14-Jan-0.6370008.9873640.07088 0
9 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000307.74933077.4932
8.961
FORMULA: 1000*(1+3077.4932
= 3077.49319
T = 13.37%
R = 207.75%
Aim Cap App
05-May-93
TO NO. Y6.656
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS05-May-1000.00 2.989304334.52601
1 FEE 05-May-0.6370003.5189630.18102 0.06
2 FEE 05-May-0.6370003.9165990.16264 0.05
3 FEE 05-May-0.6370005.2906560.12040 0.05
4 05-May-0.6370005.5370650.11504 0.04
5 05-May-0.6370006.9771590.09130 0.03
6 05-May-0.6370007.2088990.08836 0.02
7 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000333.70353337.0355
6.656
FORMULA: 1000*(1+3337.0355
= 3337.035468
T = 19.85%
R = 233.70%
Aim Growth
05-May-93
TO NO. Y6.656
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS05-May-1000.00 3.014276331.75462
1 FEE 05-May-0.6370003.1616050.20148 0.06
2 FEE 05-May-0.6370003.5281730.18055 0.05
3 FEE 05-May-0.6370004.4477720.14322 0.05
4 05-May-0.6370005.2279810.12184 0.04
5 05-May-0.6370007.0273760.09065 0.03
6 05-May-0.6370008.0079900.07955 0.02
7 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000330.87363308.7364
6.656
FORMULA: 1000*(1+3308.7364
= 3308.736376
T = 19.70%
R = 230.87%
Aim Value
05-May-93
TO NO. Y6.656
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS05-May-1000.00 2.930655341.22067
1 FEE 05-May-0.6370003.3989930.18741 0.06
2 FEE 05-May-0.6370003.8363880.16604 0.05
3 FEE 05-May-0.6370004.6142870.13805 0.05
4 05-May-0.6370005.5423880.11493 0.04
5 05-May-0.6370007.1167350.08951 0.03
6 05-May-0.6370008.5018190.07493 0.02
7 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000340.38613403.8610
6.656
FORMULA: 1000*(1+3403.8610
= 3403.861035
T = 20.21%
R = 240.39%
Putnam International Growth
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 4.777763209.30297
1 FEE 02-Jan-0.6370005.4734660.11638 0.06
2 FEE 02-Jan-0.6370006.3478840.10035 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000209.02252090.2254
2.992
FORMULA: 1000*(1+2090.2254
= 2047.725444
T = 27.06%
R = 104.77%
Putnam Voyager
01-Feb-88
TO NO. Y11.912
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Feb-1000.00 1.220705819.19869
1 FEE 01-Feb-0.6370001.3105680.48605 0.06
2 FEE 01-Feb-0.6370001.4254470.44688 0.05
3 FEE 01-Feb-0.6370001.6441470.38744 0.05
4 01-Feb-0.6370002.2147240.28762 0.04
5 01-Feb-0.6370002.4143550.26384 0.03
6 01-Feb-0.6370002.8475250.22370 0.02
7 01-Feb-0.6370002.7916860.22818 0
8 01-Feb-0.6370003.8850440.16396 0
9 01-Feb-0.6370004.4209580.14409 0
10 01-Feb-0.6370005.2425260.12151 0
11 01-Feb-0.6370006.7158640.09485 0
12 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000816.28688162.8688
11.912
FORMULA: 1000*(1+8162.8688
= 8162.8688
T = 19.27%
R = 716.29%
Putnam Growth & Income
01-Feb-88
TO NO. Y11.912
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Feb-1000.00 2.311099432.69465
1 FEE 01-Feb-0.6370002.8668430.22220 0.06
2 FEE 01-Feb-0.6370003.1144200.20453 0.05
3 FEE 01-Feb-0.6370003.3644880.18933 0.05
4 01-Feb-0.6370003.8052320.16740 0.04
5 01-Feb-0.6370004.1360740.15401 0.03
6 01-Feb-0.6370004.7038980.13542 0.02
7 01-Feb-0.6370004.6177250.13795 0
8 01-Feb-0.6370006.2024840.10270 0
9 01-Feb-0.6370007.5391270.08449 0
10 01-Feb-0.6370008.8434920.07203 0
11 01-Feb-0.63700010.065050.06329 0
12 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000431.09764310.9760
11.912
FORMULA: 1000*(1+4310.9760
= 4310.976022
T = 13.05%
R = 331.10%
MSDW Mid Cap
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 5.466630182.92805
1 FEE 02-Jan-0.6370007.5493100.08438 0.06
2 FEE 02-Jan-0.6370008.3842580.07598 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000182.70391827.0399
2.992
FORMULA: 1000*(1+1827.0399
= 1784.539945
T = 21.35%
R = 78.45%
Aim Aggressive Growth
01-May-98
TO NO. Y1.667
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-May-1000.00 7.204822138.79594
1 FEE 01-May-0.6370006.8936250.09240 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000138.63981386.3983
1.667
FORMULA: 1000*(1+1386.3983
= 1343.898343
T = 19.40%
R = 34.39%
Aim Blue Chip
29-Dec-99
TO NO. Y0.005
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS29-Dec-1000.00 10.0008699.99134
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.0000099.92764999.2764
0.005
FORMULA: 1000*(1+999.2764
= 948.2764259
T = -99.99%
R = -5.17%
Putnam International New Opp.
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 4.489889222.72265
1 FEE 02-Jan-0.6370004.4260220.14392 0.06
2 FEE 02-Jan-0.6370005.0087250.12718 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000222.38782223.8785
2.992
FORMULA: 1000*(1+2223.8785
= 2181.378543
T = 29.78%
R = 118.14%
Putnam New Opp.
02-May-94
TO NO. Y5.665
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-May-1000.00 2.458641406.72879
1 FEE 02-May-0.6370002.8136410.22640 0.06
2 FEE 02-May-0.6370004.2849740.14866 0.05
3 FEE 02-May-0.6370003.9656890.16063 0.05
4 02-May-0.6370005.6890610.11197 0.04
5 02-May-0.6370006.3861680.09975 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000405.91764059.1769
5.665
FORMULA: 1000*(1+4059.1769
= 4042.176858
T = 27.96%
R = 304.22%
Putnam OTC & Emerging Gr.
30-Apr-98
TO NO. Y1.670
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS30-Apr-1000.00 4.497101222.36549
1 FEE 30-Apr-0.6370005.0519360.12609 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000222.17562221.7569
1.670
FORMULA: 1000*(1+2221.7569
= 2179.25695
T = 59.43%
R = 117.93%
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 7.402810135.08384
FEE 31-Dec-0.6370007.8454310.08119
FEE 31-Dec-0.6370008.1462480.07820
FEE 31-Dec-0.6370008.2732530.07700
FEE 31-Dec-0.6370008.3465590.07632
FEE 31-Dec-0.6370008.5127160.07483
FEE 31-Dec-0.6370008.8275340.07216
FEE 31-Dec-0.6370009.1097570.06993
FEE 31-Dec-0.6370009.4128160.06767
FEE 31-Dec-0.6370009.7199100.06554
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000134.35732
10.000
FORMULA: 1000*(1+1343.5732- (0.85 * 1000 * 0)
= 1343.57315
T = 3.00%
R = 34.36%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 5.407836184.91686
FEE 31-Dec-0.6370003.8860160.16392
FEE 31-Dec-0.6370006.0535690.10523
FEE 31-Dec-0.6370007.0391890.09049
FEE 31-Dec-0.6370008.5829500.07422
FEE 31-Dec-0.6370008.2410450.07730
FEE 31-Dec-0.6370009.2812060.06863
FEE 31-Dec-0.63700010.203720.06243
FEE 31-Dec-0.63700011.207600.05684
FEE 31-Dec-0.63700010.322130.06171
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000184.09240
10.000
FORMULA: 1000*(1+1840.9240- (0.85 * 1000 * 0)
= 1840.923995
T = 6.29%
R = 84.09%
NLIC VAII EQUITY
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 1.508981662.69895
FEE 31-Dec-0.6370001.4278730.44612
FEE 31-Dec-0.6370002.2298500.28567
FEE 31-Dec-0.6370002.1928320.29049
FEE 31-Dec-0.6370002.5774310.24715
FEE 31-Dec-0.6370002.3802030.26762
FEE 31-Dec-0.6370003.3679900.18913
FEE 31-Dec-0.6370003.7153450.17145
FEE 31-Dec-0.6370005.0136180.12705
FEE 31-Dec-0.6370006.4217570.09919
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000660.51137
10.000
FORMULA: 1000*(1+6605.1137- (0.85 * 1000 * 0)
= 6605.113693
T = 20.78%
R = 560.51%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 5.689112175.77436
FEE 31-Dec-0.6370005.9690130.10672
FEE 31-Dec-0.6370006.9454710.09171
FEE 31-Dec-0.6370007.3840510.08627
FEE 31-Dec-0.6370008.1922340.07776
FEE 31-Dec-0.6370007.4921290.08502
FEE 31-Dec-0.6370009.1707000.06946
FEE 31-Dec-0.6370009.1437020.06967
FEE 31-Dec-0.6370009.9757140.06386
FEE 31-Dec-0.63700010.644110.05985
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000175.00036
10.000
FORMULA: 1000*(1+1750.0036- (0.85 * 1000 * 0)
= 1750.003556
T = 5.76%
R = 75.00%
NLIC VAII STRATEGIST
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 3.525816283.62229
FEE 31-Dec-0.6370003.5153890.18120
FEE 31-Dec-0.6370004.4271930.14388
FEE 31-Dec-0.6370004.6614800.13665
FEE 31-Dec-0.6370005.0527090.12607
FEE 31-Dec-0.6370005.1611550.12342
FEE 31-Dec-0.6370005.5392800.11500
FEE 31-Dec-0.6370006.2553830.10183
FEE 31-Dec-0.6370006.9846110.09120
FEE 31-Dec-0.6370008.6787360.07340
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000282.46593
10.000
FORMULA: 1000*(1+2824.6593- (0.85 * 1000 * 0)
= 2824.659287
T = 10.94%
R = 182.47%
Putnam Voyager
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 1.605671622.79257
FEE 31-Dec-0.6370001.5437770.41262
FEE 31-Dec-0.6370002.2133250.28780
FEE 31-Dec-0.6370002.3971230.26574
FEE 31-Dec-0.6370002.7924110.22812
FEE 31-Dec-0.6370002.7688540.23006
FEE 31-Dec-0.6370003.8225060.16664
FEE 31-Dec-0.6370004.2378180.15031
FEE 31-Dec-0.6370005.2616670.12106
FEE 31-Dec-0.6370006.4290350.09908
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000620.76742
10.000
FORMULA: 1000*(1+6207.6742- (0.85 * 1000 * 0)
= 6207.674245
T = 20.03%
R = 520.77%
Putnam Growth & Income
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALUENO. UNITS
INIT DEPOS31-Dec-1000.00 3.245417308.12686
FEE 31-Dec-0.6370003.2474480.19615
FEE 31-Dec-0.6370003.7939750.16790
FEE 31-Dec-0.6370004.0864550.15588
FEE 31-Dec-0.6370004.5824530.13901
FEE 31-Dec-0.6370004.5127900.14115
FEE 31-Dec-0.6370006.0547500.10521
FEE 31-Dec-0.6370007.2444000.08793
FEE 31-Dec-0.6370008.8264300.07217
FEE 31-Dec-0.63700010.012830.06362
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000306.93414
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
NLIC VAII EQUITY GROWTH
12/31/98 NO. YEARS 1.000
TO
12/31/99
<S> <C> <C> <C> <C> <C> <C>
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 7.297555 137.03221
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 136.96851 1369.6851
1.000
FORMULA: 1000*(1+T)= 1369.6851 - (0.85 * 1000 * 0.01)
= 1361.1851
T = 36.12%
R = 36.12%
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 8.128597 123.02246
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 122.95876 1229.5876
1.000
FORMULA: 1000*(1+T)= 1229.5876 - (0.85 * 1000 * 0.01)
= 1221.0876
T = 22.11%
R = 22.11%
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 5.226575 191.32988
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 191.26618 1912.6618
1.000
FORMULA: 1000*(1+T)= 1912.6618 - (0.85 * 1000 * 0.01)
= 1904.1618
T = 90.42%
R = 90.42%
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 4.979059 200.84118
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 200.77748 2007.7748
1.000
FORMULA: 1000*(1+T)= 2007.7748 - (0.85 * 1000 * 0.01)
= 1999.2748
T = 99.93%
R = 99.93%
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 10.328570 96.81883
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.75513 967.5513
1.000
FORMULA: 1000*(1+T)= 967.5513 - (0.85 * 1000 * 0.01)
= 959.0513
T = -4.09%
R = -4.09%
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 7.245073 138.02483
1 FEE 16-Mar-99 0.637001 7.834876 0.08130 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 137.87982 1378.7982
1.793
FORMULA: 1000*(1+T)= 1378.7982
= 1336.2982
T = 17.55%
R = 33.63%
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 8.359504 119.62433
1 FEE 16-Mar-99 0.637001 8.157125 0.07809 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 119.48253 1194.8253
1.793
FORMULA: 1000*(1+T)= 1194.8253
= 1152.3253
T = 8.23%
R = 15.23%
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 7.420723 134.75776
1 FEE 16-Mar-99 0.637001 5.749908 0.11078 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 134.58327 1345.8327
1.793
FORMULA: 1000*(1+T)= 1345.8327
= 1303.3327
T = 15.92%
R = 30.33%
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 4.163329 240.19243
1 FEE 16-Mar-99 0.637001 5.509609 0.11562 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 240.01311 2400.1311
1.793
FORMULA: 1000*(1+T)= 2400.1311
= 2357.6311
T = 61.33%
R = 135.76%
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 11.699436 85.47421
1 FEE 18-May-99 0.637001 11.098151 0.05740 0.06
2 FEE 31-Dec-99 0.637001 10.000000 0.06370 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 85.35311 853.5311
1.621
FORMULA: 1000*(1+T)= 853.5311
= 811.03111
T = -12.12%
R = -18.90%
<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 Non-Standardized Performance
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
Fund Date AUV AUV AUV AUV AUV AUV
Equity Growth 03/16/98 7.245073395 N/A N/A N/A N/A 7.297554603
International Magnum 03/16/98 8.359503743 N/A N/A N/A N/A 8.128597139
Emerging Markets 03/16/98 7.420723112 N/A N/A N/A N/A 5.226575039
Emerging Growth 03/16/98 4.163328531 N/A N/A N/A N/A 4.979058681
Real Estate 05/18/98 11.69943572 N/A N/A N/A N/A 10.32856953
YTD 3 Months Today's Inception Ten Years
Fund AUV AUV AUV Total Average Total
Equity Growth 7.297554603 8.245133471 10 38.02% 19.67% N/A N/A
International Magnum 8.128597139 8.958400095 10 19.62% 10.50% N/A N/A
Emerging Markets 5.226575039 6.720127607 10 34.76% 18.08% N/A N/A
Emerging Growth 4.979058681 6.254917789 10 140.19% 62.95% N/A N/A
Real Estate 10.32856953 10.14520161 10 -14.53% -9.22% N/A N/A
Five Years Three Years Two Years
Fund Average Total Average Total Average Total
Equity Growth N/A N/A N/A N/A N/A N/A
International Magnum N/A N/A N/A N/A N/A N/A
Emerging Markets N/A N/A N/A N/A N/A N/A
Emerging Growth N/A N/A N/A N/A N/A N/A
Real Estate N/A N/A N/A N/A N/A N/A
One Year YTD Three Months
Fund Average
Equity Growth 37.03% 37.03% 21.28%
International Magnum 23.02% 23.02% 11.63%
Emerging Markets 91.33% 91.33% 48.81%
Emerging Growth 100.84% 100.84% 59.87%
Real Estate -3.18% -3.18% -1.43%
<PAGE>
NLIC VAII MONEY MARKET
31-Dec-98 NO. Y1.000
TO
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.736446102.70688
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000102.64311026.4318
1.000
FORMULA: 1000*(1+1026.4318- (0.85 * 1000 * 0.01)
= 1017.9318
T = 1.79%
R = 1.79%
NLIC VAII HIGH YIELD
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.3396996.71466
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000096.65096966.5096
1.000
FORMULA: 1000*(1+966.5096 - (0.85 * 1000 * 0.01)
= 958.0096
T = -4.20%
R = -4.20%
NLIC VAII EQUITY
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.432658155.45672
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000155.39301553.9302
1.000
FORMULA: 1000*(1+1553.9302- (0.85 * 1000 * 0.01)
= 1545.4302
T = 54.54%
R = 54.54%
NLIC VAII QUALITY INCOME
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.6622393.78898
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000093.72528937.2528
1.000
FORMULA: 1000*(1+937.2528 - (0.85 * 1000 * 0.01)
= 928.7528
T = -7.12%
R = -7.12%
NLIC VAII STRATEGIST
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.693492115.02857
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000114.96481149.6487
1.000
FORMULA: 1000*(1+1149.6487- (0.85 * 1000 * 0.01)
= 1141.1487
T = 14.11%
R = 14.11%
NLIC VAII DIVIDEND GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.4519395.67606
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000095.61236956.1236
1.000
FORMULA: 1000*(1+956.1236 - (0.85 * 1000 * 0.01)
= 947.6236
T = -5.24%
R = -5.24%
NLIC VAII UTILITIES
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.051062110.48428
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000110.42051104.2058
1.000
FORMULA: 1000*(1+1104.2058- (0.85 * 1000 * 0.01)
= 1095.7058
T = 9.57%
R = 9.57%
NLIC VAII EUROPEAN GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.901441126.55919
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000126.49541264.9549
1.000
FORMULA: 1000*(1+1264.9549- (0.85 * 1000 * 0.01)
= 1256.4549
T = 25.65%
R = 25.65%
NLIC VAII CAPITAL GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.653480130.65952
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000130.59581305.9582
1.000
FORMULA: 1000*(1+1305.9582- (0.85 * 1000 * 0.01)
= 1297.4582
T = 29.75%
R = 29.75%
NLIC VAII PACIFIC GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.142048162.81214
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000162.74841627.4844
1.000
FORMULA: 1000*(1+1627.4844- (0.85 * 1000 * 0.01)
= 1618.9844
T = 61.90%
R = 61.90%
NLIC VAII GLOBAL DIVIDEND GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.898117112.38333
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000112.31961123.1963
1.000
FORMULA: 1000*(1+1123.1963- (0.85 * 1000 * 0.01)
= 1114.6963
T = 11.47%
R = 11.47%
NLIC VAII INCOME BUILDER
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.528904104.94386
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000104.88011048.8016
1.000
FORMULA: 1000*(1+1048.8016- (0.85 * 1000 * 0.01)
= 1040.3016
T = 4.03%
R = 4.03%
NLIC VAII EQUITY GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.297555137.03221
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000136.96851369.6851
1.000
FORMULA: 1000*(1+1369.6851- (0.85 * 1000 * 0.01)
= 1361.1851
T = 36.12%
R = 36.12%
NLIC VAII INTERNATIONAL MAGNUM
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.128597123.02246
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000122.95871229.5876
1.000
FORMULA: 1000*(1+1229.5876- (0.85 * 1000 * 0.01)
= 1221.0876
T = 22.11%
R = 22.11%
NLIC VAII EMERGING MARKETS
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.226575191.32988
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000191.26611912.6618
1.000
FORMULA: 1000*(1+1912.6618- (0.85 * 1000 * 0.01)
= 1904.1618
T = 90.42%
R = 90.42%
NLIC VAII EMERGING GROWTH
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.979059200.84118
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000200.77742007.7748
1.000
FORMULA: 1000*(1+2007.7748- (0.85 * 1000 * 0.01)
= 1999.2748
T = 99.93%
R = 99.93%
NLIC VAII REAL ESTATE
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.3285796.81883
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000096.75513967.5513
1.000
FORMULA: 1000*(1+967.5513 - (0.85 * 1000 * 0.01)
= 959.0513
T = -4.09%
R = -4.09%
NLIC VAII COMPETITIVE EDGE
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.090514123.60154
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000123.53781235.3784
1.000
FORMULA: 1000*(1+1235.3784- (0.85 * 1000 * 0.01)
= 1226.8784
T = 22.69%
R = 22.69%
NLIC VAII S&P 500 INDEX
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.523049117.32890
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000117.26521172.6520
1.000
FORMULA: 1000*(1+1172.6520- (0.85 * 1000 * 0.01)
= 1164.1520
T = 16.42%
R = 16.42%
NLIC VAII AGGRESSIVE EQUITY
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Alliance Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.575651132.00186
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000131.93811319.3816
1.000
FORMULA: 1000*(1+1319.3816- (0.85 * 1000 * 0.01)
= 1310.8816
T = 31.09%
R = 31.09%
Alliance Growth and Income
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 9.147194109.32314
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000109.25941092.5944
1.000
FORMULA: 1000*(1+1092.5944- (0.85 * 1000 * 0.01)
= 1084.0944
T = 8.41%
R = 8.41%
Aim Cap App
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.036875142.10853
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000142.04481420.4483
1.000
FORMULA: 1000*(1+1420.4483- (0.85 * 1000 * 0.01)
= 1411.9483
T = 41.19%
R = 41.19%
Aim Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.524920132.89178
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000132.82801328.2808
1.000
FORMULA: 1000*(1+1328.2808- (0.85 * 1000 * 0.01)
= 1319.7808
T = 31.98%
R = 31.98%
Aim Value
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.834143127.64638
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000127.58261275.8268
1.000
FORMULA: 1000*(1+1275.8268- (0.85 * 1000 * 0.01)
= 1267.3268
T = 26.73%
R = 26.73%
Putnam International Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.358635157.26647
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000157.20271572.0277
1.000
FORMULA: 1000*(1+1572.0277- (0.85 * 1000 * 0.01)
= 1563.5277
T = 56.35%
R = 56.35%
Putnam Voyager
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.439941155.28093
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000155.21721552.1723
1.000
FORMULA: 1000*(1+1552.1723- (0.85 * 1000 * 0.01)
= 1543.6723
T = 54.37%
R = 54.37%
Putnam Growth & Income
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.0298799.70211
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000099.63841996.3841
1.000
FORMULA: 1000*(1+996.3841 - (0.85 * 1000 * 0.01)
= 987.8841
T = -1.21%
R = -1.21%
MSDW Mid Cap
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.438609118.50294
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000118.43921184.3924
1.000
FORMULA: 1000*(1+1184.3924- (0.85 * 1000 * 0.01)
= 1175.8924
T = 17.59%
R = 17.59%
Aim Aggressive Growth
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.034122142.16415
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000142.10041421.0045
1.000
FORMULA: 1000*(1+1421.0045- (0.85 * 1000 * 0.01)
= 1412.5045
T = 41.25%
R = 41.25%
Aim Blue Chip
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
1.000
FORMULA: 1000*(1+#VALUE! - (0.85 * 1000 * 0.01)
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.017176199.31532
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000199.25161992.5162
1.000
FORMULA: 1000*(1+1992.5162- (0.85 * 1000 * 0.01)
= 1984.0162
T = 98.40%
R = 98.40%
Putnam New Opp.
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 6.017877166.17155
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000166.10781661.0785
1.000
FORMULA: 1000*(1+1661.0785- (0.85 * 1000 * 0.01)
= 1652.5785
T = 65.26%
R = 65.26%
Putnam OTC & Emerging Gr.
12/31/98 NO. Y1.000
TO
12/31/99TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.493894222.52415
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000222.46042224.6045
1.000
FORMULA: 1000*(1+2224.6045- (0.85 * 1000 * 0.01)
= 2216.1045
T = 121.61%
R = 121.61%
NLIC VAII MONEY MARKET
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.585370116.47721
FEE 31-Dec-0.6370008.8878390.07167
FEE 31-Dec-0.6370009.1563280.06957
FEE 31-Dec-0.6370009.4448690.06744
FEE 31-Dec-0.6370009.7364460.06542
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000116.13941161.3940
5.000
FORMULA: 1000*(1+1161.3940
= 1161.394041
T = 3.04%
R = 16.14%
NLIC VAII HIGH YIELD
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 8.311377120.31700
FEE 31-Dec-0.6370009.3446100.06817
FEE 31-Dec-0.63700010.255890.06211
FEE 31-Dec-0.63700011.245770.05664
FEE 31-Dec-0.63700010.339690.06161
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000120.00471200.0477
5.000
FORMULA: 1000*(1+1200.0477
= 1200.0477
T = 3.71%
R = 20.00%
NLIC VAII EQUITY
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.400499416.58000
FEE 31-Dec-0.6370003.3909770.18785
FEE 31-Dec-0.6370003.7343130.17058
FEE 31-Dec-0.6370005.0306640.12662
FEE 31-Dec-0.6370006.4326580.09903
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000415.93224159.3221
5.000
FORMULA: 1000*(1+4159.3221
= 4159.322144
T = 32.99%
R = 315.93%
NLIC VAII QUALITY INCOME
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.556072132.34390
FEE 31-Dec-0.6370009.2333590.06899
FEE 31-Dec-0.6370009.1904510.06931
FEE 31-Dec-0.63700010.009690.06364
FEE 31-Dec-0.63700010.662230.05974
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000132.01851320.1852
5.000
FORMULA: 1000*(1+1320.1852
= 1320.185151
T = 5.71%
R = 32.02%
NLIC VAII STRATEGIST
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.205186192.11610
FEE 31-Dec-0.6370005.5771020.11422
FEE 31-Dec-0.6370006.2873410.10131
FEE 31-Dec-0.6370007.0083780.09089
FEE 31-Dec-0.6370008.6934920.07327
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000191.67271916.7270
5.000
FORMULA: 1000*(1+1916.7270
= 1916.727032
T = 13.90%
R = 91.67%
NLIC VAII DIVIDEND GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.691466213.15300
FEE 31-Dec-0.6370006.2376970.10212
FEE 31-Dec-0.6370007.5785460.08405
FEE 31-Dec-0.6370009.3308240.06827
FEE 31-Dec-0.63700010.451930.06095
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000212.77392127.7391
5.000
FORMULA: 1000*(1+2127.7391
= 2127.739124
T = 16.30%
R = 112.77%
NLIC VAII UTILITIES
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.459869224.22181
FEE 31-Dec-0.6370005.6199240.11335
FEE 31-Dec-0.6370005.9861930.10641
FEE 31-Dec-0.6370007.4609960.08538
FEE 31-Dec-0.6370009.0510620.07038
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000223.78262237.8260
5.000
FORMULA: 1000*(1+2237.8260
= 2237.825952
T = 17.48%
R = 123.78%
NLIC VAII EUROPEAN GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.639487274.76402
FEE 31-Dec-0.6370004.4854720.14201
FEE 31-Dec-0.6370005.7147840.11147
FEE 31-Dec-0.6370006.5026200.09796
FEE 31-Dec-0.6370007.9014410.08062
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000274.26822742.6826
5.000
FORMULA: 1000*(1+2742.6826
= 2742.682597
T = 22.36%
R = 174.27%
NLIC VAII CAPITAL GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.734804267.75164
FEE 31-Dec-0.6370004.8902460.13026
FEE 31-Dec-0.6370005.3463440.11915
FEE 31-Dec-0.6370006.5266040.09760
FEE 31-Dec-0.6370007.6534800.08323
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000267.25772672.5770
5.000
FORMULA: 1000*(1+2672.5770
= 2672.577013
T = 21.73%
R = 167.26%
NLIC VAII PACIFIC GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 10.7460693.05730
FEE 31-Dec-0.63700011.247840.05663
FEE 31-Dec-0.63700011.452440.05562
FEE 31-Dec-0.6370006.9934190.09109
FEE 31-Dec-0.6370006.1420480.10371
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.0000092.68655926.8655
5.000
FORMULA: 1000*(1+926.8655
= 926.8654534
T = -1.51%
R = -7.31%
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.318625188.01852
FEE 31-Dec-0.6370006.3736060.09994
FEE 31-Dec-0.6370007.3454050.08672
FEE 31-Dec-0.6370008.0668230.07897
FEE 31-Dec-0.6370008.8981170.07159
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000187.61761876.1761
5.000
FORMULA: 1000*(1+1876.1761
= 1876.176057
T = 13.41%
R = 87.62%
NLIC VAII INCOME BUILDER
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370009.4186590.06763
FEE 31-Dec-0.6370009.5289040.06685
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370006.2253800.10232
FEE 31-Dec-0.6370007.2975550.08729
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.6188600.08361
FEE 31-Dec-0.6370008.1285970.07837
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.1535490.08905
FEE 31-Dec-0.6370007.0510850.09034
FEE 31-Dec-0.6370005.2265750.12188
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.6370002.7157200.23456
FEE 31-Dec-0.6370003.1126840.20465
FEE 31-Dec-0.6370003.6834320.17294
FEE 31-Dec-0.6370004.9790590.12794
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700012.073430.05276
FEE 31-Dec-0.63700010.328570.06167
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370008.0905140.07873
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370008.5230490.07474
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Alliance Premier Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Alliance Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.820868354.50083
FEE 31-Dec-0.6370003.7404810.17030
FEE 31-Dec-0.6370004.7109190.13522
FEE 31-Dec-0.6370006.0039240.10610
FEE 31-Dec-0.6370007.5756510.08409
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000353.94143539.4143
5.000
FORMULA: 1000*(1+3539.4143
= 3539.414259
T = 28.76%
R = 253.94%
Alliance Growth and Income
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.776155264.81961
FEE 31-Dec-0.6370005.0270200.12672
FEE 31-Dec-0.6370006.1145160.10418
FEE 31-Dec-0.6370007.7193710.08252
FEE 31-Dec-0.6370009.1471940.06964
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000264.37282643.7285
5.000
FORMULA: 1000*(1+2643.7285
= 2643.728528
T = 21.46%
R = 164.37%
Aim Cap App
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.597168277.99645
FEE 31-Dec-0.6370004.7964670.13281
FEE 31-Dec-0.6370005.5413920.11495
FEE 31-Dec-0.6370006.1806610.10306
FEE 31-Dec-0.6370007.0368750.09052
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000277.49142774.9140
5.000
FORMULA: 1000*(1+2774.9140
= 2774.914031
T = 22.65%
R = 177.49%
Aim Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.196107312.88068
FEE 31-Dec-0.6370004.2328650.15049
FEE 31-Dec-0.6370004.9114290.12970
FEE 31-Dec-0.6370006.1230180.10403
FEE 31-Dec-0.6370007.5249200.08465
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000312.34813123.4810
5.000
FORMULA: 1000*(1+3123.4810
= 3123.481032
T = 25.58%
R = 212.35%
Aim Value
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.439601290.73139
FEE 31-Dec-0.6370004.6053780.13832
FEE 31-Dec-0.6370005.2048850.12239
FEE 31-Dec-0.6370006.3262280.10069
FEE 31-Dec-0.6370007.8341430.08131
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000290.22492902.2499
5.000
FORMULA: 1000*(1+2902.2499
= 2902.249851
T = 23.75%
R = 190.22%
Putnam International Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370005.4639370.11658
FEE 31-Dec-0.6370006.3586350.10018
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.792467358.10630
FEE 31-Dec-0.6370003.8485630.16552
FEE 31-Dec-0.6370004.2594560.14955
FEE 31-Dec-0.6370005.2795540.12065
FEE 31-Dec-0.6370006.4399410.09891
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000357.50793575.0797
5.000
FORMULA: 1000*(1+3575.0797
= 3575.079666
T = 29.02%
R = 257.51%
Putnam Growth & Income
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 4.551294219.71772
FEE 31-Dec-0.6370006.0960500.10449
FEE 31-Dec-0.6370007.2814330.08748
FEE 31-Dec-0.6370008.8564950.07192
FEE 31-Dec-0.63700010.029870.06351
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000219.32662193.2661
5.000
FORMULA: 1000*(1+2193.2661
= 2193.266053
T = 17.01%
R = 119.33%
MSDW Mid Cap
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.6099530.08371
FEE 31-Dec-0.6370008.4386090.07549
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Aggressive Growth
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370007.0341220.09056
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Aim Blue Chip
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam International New Opp.
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370004.4236830.14400
FEE 31-Dec-0.6370005.0171760.12696
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
Putnam New Opp.
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 2.652220377.04261
FEE 31-Dec-0.6370003.7700740.16896
FEE 31-Dec-0.6370004.0753580.15631
FEE 31-Dec-0.6370004.9298350.12921
FEE 31-Dec-0.6370006.0178770.10585
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000376.41853764.1858
5.000
FORMULA: 1000*(1+3764.1858
= 3764.185787
T = 30.36%
R = 276.42%
Putnam OTC & Emerging Gr.
30-Dec-94
TO NO. Y5.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 #VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.637000#VALUE! #VALUE!
FEE 31-Dec-0.6370004.4938940.14175
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000#VALUE! #VALUE!
5.000
FORMULA: 1000*(1+#VALUE!
= #VALUE!
T = N/A
R = N/A
NLIC VAII MONEY MARKET
09-Mar-84
TO NO. Y15.811
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS09-Mar-1000.00 5.697443175.51734
1 FEE 09-Mar-0.6370005.8990780.10798 0.06
2 FEE 09-Mar-0.6370006.2265080.10230 0.05
3 FEE 09-Mar-0.6370006.4749360.09838 0.05
4 09-Mar-0.6370006.7597240.09423 0.04
5 09-Mar-0.6370007.1309290.08933 0.03
6 09-Mar-0.6370007.6135980.08367 0.02
7 09-Mar-0.6370008.0339870.07929 0
8 09-Mar-0.6370008.2895850.07684 0
9 09-Mar-0.6370008.3855420.07596 0
10 09-Mar-0.6370008.4437850.07544 0
11 09-Mar-0.6370008.6391740.07373 0
12 09-Mar-0.6370008.9400150.07125 0
13 09-Mar-0.6370009.2052450.06920 0
14 FEE 09-Mar-0.6370009.5002500.06705 0
15 FEE 09-Mar-0.6370009.7830730.06511 0
RESULTING VAL31-Dec-99 10.00000174.28751742.8755
15.811
FORMULA: 1000*(1+1742.8755
= 1742.875542
T = 3.58%
R = 74.29%
NLIC VAII HIGH YIELD
09-Mar-84
TO NO. Y15.811
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS09-Mar-1000.00 4.038844247.59559
1 FEE 09-Mar-0.6370004.4977350.14163 0.06
2 FEE 09-Mar-0.6370005.6708290.11233 0.05
3 FEE 09-Mar-0.6370006.6479260.09582 0.05
4 09-Mar-0.6370006.2795170.10144 0.04
5 09-Mar-0.6370006.6615220.09562 0.03
6 09-Mar-0.6370005.1788980.12300 0.02
7 09-Mar-0.6370004.6878180.13588 0
8 09-Mar-0.6370007.0670270.09014 0
9 09-Mar-0.6370007.6561430.08320 0
10 09-Mar-0.6370008.9367760.07128 0
11 09-Mar-0.6370008.4129960.07572 0
12 09-Mar-0.6370009.5590140.06664 0
13 09-Mar-0.63700010.252600.06213 0
14 FEE 09-Mar-0.63700011.421320.05577 0
15 FEE 09-Mar-0.63700010.199450.06245 0
RESULTING VAL31-Dec-99 10.00000246.22252462.2253
15.811
FORMULA: 1000*(1+2462.2253
= 2462.225335
T = 5.86%
R = 146.22%
NLIC VAII EQUITY
09-Mar-84
TO NO. Y15.811
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS09-Mar-1000.00 0.8900631123.51660
1 FEE 09-Mar-0.6370001.0107360.63023 0.06
2 FEE 09-Mar-0.6370001.2859010.49537 0.05
3 FEE 09-Mar-0.6370001.5865930.40149 0.05
4 09-Mar-0.6370001.3540340.47045 0.04
5 09-Mar-0.6370001.3807000.46136 0.03
6 09-Mar-0.6370001.4781740.43094 0.02
7 09-Mar-0.6370001.7191200.37054 0
8 09-Mar-0.6370002.0972410.30373 0
9 09-Mar-0.6370002.3364820.27263 0
10 09-Mar-0.6370002.7145190.23466 0
11 09-Mar-0.6370002.5089290.25389 0
12 09-Mar-0.6370003.3979480.18747 0
13 09-Mar-0.6370004.0254010.15825 0
14 FEE 09-Mar-0.6370005.3522960.11901 0
15 FEE 09-Mar-0.6370007.0002340.09100 0
RESULTING VAL31-Dec-99 10.000001118.63511186.3557
15.811
FORMULA: 1000*(1+11186.3557
= 11186.35571
T = 16.50%
R = 1018.64%
NLIC VAII QUALITY INCOME
02-Mar-87
TO NO. Y12.832
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Mar-1000.00 4.920775203.22002
1 FEE 02-Mar-0.6370005.1659510.12331 0.06
2 FEE 02-Mar-0.6370005.2422980.12151 0.05
3 FEE 02-Mar-0.6370005.6588010.11257 0.05
4 02-Mar-0.6370006.1986910.10276 0.04
5 02-Mar-0.6370006.9462900.09170 0.03
6 02-Mar-0.6370007.8681800.08096 0.02
7 02-Mar-0.6370008.0812880.07882 0
8 02-Mar-0.6370007.9140600.08049 0
9 02-Mar-0.6370009.0148370.07066 0
10 02-Mar-0.6370009.2031790.06922 0
11 02-Mar-0.63700010.041480.06344 0
12 02-Mar-0.63700010.367920.06144 0
13 31-Dec-0.63700010.000000.06370 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VAL31-Dec-99 10.00000202.09942020.9944
12.832
FORMULA: 1000*(1+2020.9944
= 2020.994399
T = 5.64%
R = 102.10%
NLIC VAII STRATEGIST
02-Mar-87
TO NO. Y12.832
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Mar-1000.00 3.003069332.99266
1 FEE 02-Mar-0.6370003.2191440.19788 0.06
2 FEE 02-Mar-0.6370003.3397590.19073 0.05
3 FEE 02-Mar-0.6370003.5888130.17750 0.05
4 02-Mar-0.6370003.9807130.16002 0.04
5 02-Mar-0.6370004.5289170.14065 0.03
6 02-Mar-0.6370004.8594650.13108 0.02
7 02-Mar-0.6370005.1546120.12358 0
8 02-Mar-0.6370005.2426490.12150 0
9 02-Mar-0.6370005.7411180.11095 0
10 02-Mar-0.6370006.5182970.09773 0
11 02-Mar-0.6370007.4664520.08532 0
12 02-Mar-0.6370008.7270150.07299 0
13 31-Dec-0.63700010.000000.06370 0
14 FEE N/A 0 N/A 0.00000 0
15 FEE N/A 0 N/A 0.00000 0
RESULTING VAL31-Dec-99 10.00000331.31903313.1902
12.832
FORMULA: 1000*(1+3313.1902
= 3313.190223
T = 9.78%
R = 231.32%
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. Y9.834
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 3.647201274.18286
1 FEE 01-Mar-0.6370003.7309810.17073 0.06
2 FEE 01-Mar-0.6370004.1590890.15316 0.05
3 FEE 01-Mar-0.6370004.5384660.14036 0.05
4 01-Mar-0.6370004.8500850.13134 0.04
5 01-Mar-0.6370004.9619790.12838 0.03
6 01-Mar-0.6370006.6070450.09641 0.02
7 01-Mar-0.6370007.8538140.08111 0
8 01-Mar-0.6370009.9041630.06432 0
9 01-Mar-0.63700010.215210.06236 0
10 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000273.09102730.9100
9.834
FORMULA: 1000*(1+2730.9100
= 2730.909999
T = 10.76%
R = 173.09%
NLIC VAII UTILITIES
01-Mar-90
TO NO. Y9.834
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 3.285402304.37680
1 FEE 01-Mar-0.6370003.4832730.18287 0.06
2 FEE 01-Mar-0.6370003.8424490.16578 0.05
3 FEE 01-Mar-0.6370004.7320940.13461 0.05
4 01-Mar-0.6370004.7407890.13437 0.04
5 01-Mar-0.6370004.6268250.13768 0.03
6 01-Mar-0.6370005.6502010.11274 0.02
7 01-Mar-0.6370006.0368910.10552 0
8 01-Mar-0.6370007.6613930.08314 0
9 01-Mar-0.6370008.7114610.07312 0
10 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000303.18323031.8326
9.834
FORMULA: 1000*(1+3031.8326
= 3031.832641
T = 11.94%
R = 203.18%
NLIC VAII EUROPEAN GROWTH
01-Mar-91
TO NO. Y8.835
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 2.439071409.99223
1 FEE 01-Mar-0.6370002.4975870.25505 0.06
2 FEE 01-Mar-0.6370002.5868380.24625 0.05
3 FEE 01-Mar-0.6370003.5346380.18022 0.05
4 01-Mar-0.6370003.7236870.17107 0.04
5 01-Mar-0.6370004.7072090.13532 0.03
6 01-Mar-0.6370005.7306960.11116 0.02
7 01-Mar-0.6370007.3356860.08684 0
8 01-Mar-0.6370007.7567420.08212 0
9 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000408.66054086.6052
8.835
FORMULA: 1000*(1+4086.6052
= 4086.605155
T = 17.27%
R = 308.66%
NLIC VAII CAPITAL GROWTH
01-Mar-91
TO NO. Y8.835
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Mar-1000.00 3.381405295.73506
1 FEE 01-Mar-0.6370004.0791390.15616 0.06
2 FEE 01-Mar-0.6370003.9532740.16113 0.05
3 FEE 01-Mar-0.6370003.8951800.16354 0.05
4 01-Mar-0.6370004.0038030.15910 0.04
5 01-Mar-0.6370005.1520310.12364 0.03
6 01-Mar-0.6370005.4923210.11598 0.02
7 01-Mar-0.6370007.0501960.09035 0
8 01-Mar-0.6370007.5909650.08392 0
9 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000294.61752946.1754
8.835
FORMULA: 1000*(1+2946.1754
= 2946.175404
T = 13.01%
R = 194.62%
NLIC VAII PACIFIC GROWTH
22-Feb-94
TO NO. Y5.854
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS22-Feb-1000.00 11.8348084.49651
1 FEE 22-Feb-0.63700010.144180.06279 0.06
2 FEE 22-Feb-0.63700012.150590.05243 0.05
3 FEE 22-Feb-0.63700011.557430.05512 0.05
4 22-Feb-0.6370007.0195180.09075 0.04
5 22-Feb-0.6370005.9101670.10778 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.0000084.06395840.6395
5.854
FORMULA: 1000*(1+840.6395
= 823.639497
T = -3.26%
R = -17.64%
NLIC VAII GLOBAL DIVIDEND GROWTH
24-Feb-94
TO NO. Y5.848
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS24-Feb-1000.00 5.404302185.03778
1 FEE 24-Feb-0.6370005.3514200.11903 0.06
2 FEE 24-Feb-0.6370006.5826320.09677 0.05
3 FEE 24-Feb-0.6370007.4181320.08587 0.05
4 24-Feb-0.6370008.4073720.07577 0.04
5 24-Feb-0.6370008.6789110.07340 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000184.52321845.2325
5.848
FORMULA: 1000*(1+1845.2325
= 1828.232462
T = 10.87%
R = 82.82%
NLIC VAII INCOME BUILDER
21-Jan-97
TO NO. Y2.940
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS21-Jan-1000.00 7.842344127.51289
1 FEE 21-Jan-0.6370009.3918390.06782 0.06
2 FEE 21-Jan-0.6370009.6093210.06629 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000127.31501273.1508
2.940
FORMULA: 1000*(1+1273.1508
= 1230.650762
T = 7.31%
R = 23.07%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 4.760963210.04152
1 FEE 02-Jan-0.6370006.2101230.10257 0.06
2 FEE 02-Jan-0.6370007.2633750.08770 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000209.78752097.8755
2.992
FORMULA: 1000*(1+2097.8755
= 2055.375482
T = 27.22%
R = 105.54%
NLIC VAII INTERNATIONAL MAGNUM
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 7.224290138.42191
1 FEE 02-Jan-0.6370007.6474890.08330 0.06
2 FEE 02-Jan-0.6370008.2440200.07727 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000138.19761381.9765
2.992
FORMULA: 1000*(1+1381.9765
= 1339.476483
T = 10.26%
R = 33.95%
NLIC VAII EMERGING MARKETS
01-Oct-96
TO NO. Y3.247
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Oct-1000.00 7.346385136.12137
1 FEE 01-Oct-0.6370008.7206730.07304 0.06
2 FEE 01-Oct-0.6370004.4224620.14404 0.05
3 FEE 01-Oct-0.6370006.7125480.09490 0.05
4 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000135.74561357.4569
3.247
FORMULA: 1000*(1+1357.4569
= 1323.456908
T = 9.01%
R = 32.35%
NLIC VAII EMERGING GROWTH
03-Jul-95
TO NO. Y4.496
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS03-Jul-1000.00 2.339118427.51154
1 FEE 03-Jul-0.6370003.1558730.20185 0.06
2 FEE 03-Jul-0.6370003.4354410.18542 0.05
3 FEE 03-Jul-0.6370004.4830470.14209 0.05
4 03-Jul-0.6370006.1706910.10323 0.04
5 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000426.81524268.1525
4.496
FORMULA: 1000*(1+4268.1525
= 4242.652508
T = 37.92%
R = 324.27%
NLIC VAII REAL ESTATE
04-Mar-97
TO NO. Y2.825
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS04-Mar-1000.00 10.3821896.31884
1 FEE 04-Mar-0.63700011.783810.05406 0.06
2 FEE 04-Mar-0.6370009.9401690.06408 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.0000096.13700961.3700
2.825
FORMULA: 1000*(1+961.3700
= 918.8699645
T = -2.95%
R = -8.11%
NLIC VAII COMPETITIVE EDGE
18-May-98
TO NO. Y1.621
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS18-May-1000.00 8.350391119.75487
1 FEE 18-May-0.6370008.3979800.07585 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000119.61531196.1532
1.621
FORMULA: 1000*(1+1196.1532
= 1153.653206
T = 9.22%
R = 15.37%
NLIC VAII S&P 500 INDEX
18-May-98
TO NO. Y1.621
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS18-May-1000.00 7.691304130.01696
1 FEE 18-May-0.6370009.1978370.06926 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000129.88401298.8400
1.621
FORMULA: 1000*(1+1298.8400
= 1256.340023
T = 15.12%
R = 25.63%
NLIC VAII AGGRESSIVE EQUITY
03-May-99
TO NO. Y0.663
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS03-May-1000.00 6.936915144.15631
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000144.09261440.9261
0.663
FORMULA: 1000*(1+1440.9261
= 1389.926067
T = 64.37%
R = 38.99%
NLIC VAII SHORT TERM BOND
03-May-99
TO NO. Y0.663
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS03-May-1000.00 9.978222100.21826
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000100.15451001.5456
0.663
FORMULA: 1000*(1+1001.5456
= 950.5455792
T = -7.37%
R = -4.95%
Alliance Premier Growth
14-Jul-99
TO NO. Y0.465
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS14-Jul-1000.00 8.913897112.18438
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000112.12061121.2068
0.465
FORMULA: 1000*(1+1121.2068
= 1070.206778
T = 15.69%
R = 7.02%
Alliance Growth
15-Sep-94
TO NO. Y5.292
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS15-Sep-1000.00 2.694427371.13649
1 FEE 15-Sep-0.6370003.6066690.17662 0.06
2 FEE 15-Sep-0.6370004.1726410.15266 0.05
3 FEE 15-Sep-0.6370005.6567090.11261 0.05
4 15-Sep-0.6370005.9255010.10750 0.04
5 15-Sep-0.6370008.1601660.07806 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000370.44533704.4534
5.292
FORMULA: 1000*(1+3704.4534
= 3687.453366
T = 27.96%
R = 268.75%
Alliance Growth and Income
14-Jan-91
TO NO. Y8.961
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS14-Jan-1000.00 3.286643304.26183
1 FEE 14-Jan-0.6370003.3370130.19089 0.06
2 FEE 14-Jan-0.6370003.5307420.18042 0.05
3 FEE 14-Jan-0.6370003.8660560.16477 0.05
4 14-Jan-0.6370003.7761550.16869 0.04
5 14-Jan-0.6370004.8736490.13070 0.03
6 14-Jan-0.6370006.2588550.10178 0.02
7 14-Jan-0.6370007.5392790.08449 0
8 14-Jan-0.6370009.0020650.07076 0
9 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000303.10563031.0563
8.961
FORMULA: 1000*(1+3031.0563
= 3031.05635
T = 13.17%
R = 203.11%
Aim Cap App
05-May-93
TO NO. Y6.656
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS05-May-1000.00 3.023314330.76287
1 FEE 05-May-0.6370003.5529570.17929 0.06
2 FEE 05-May-0.6370003.9477190.16136 0.05
3 FEE 05-May-0.6370005.3236760.11965 0.05
4 05-May-0.6370005.5621160.11452 0.04
5 05-May-0.6370006.9968310.09104 0.03
6 05-May-0.6370007.2169530.08826 0.02
7 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000329.94503299.4504
6.656
FORMULA: 1000*(1+3299.4504
= 3299.450354
T = 19.64%
R = 229.95%
Aim Growth
05-May-93
TO NO. Y6.656
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS05-May-1000.00 3.048564328.02331
1 FEE 05-May-0.6370003.1921400.19955 0.06
2 FEE 05-May-0.6370003.5561990.17912 0.05
3 FEE 05-May-0.6370004.4755210.14233 0.05
4 05-May-0.6370005.2516290.12130 0.04
5 05-May-0.6370007.0471860.09039 0.03
6 05-May-0.6370008.0169420.07946 0.02
7 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000327.14743271.4746
6.656
FORMULA: 1000*(1+3271.4746
= 3271.474553
T = 19.49%
R = 227.15%
Aim Value
05-May-93
TO NO. Y6.656
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS05-May-1000.00 2.963990337.38308
1 FEE 05-May-0.6370003.4318200.18562 0.06
2 FEE 05-May-0.6370003.8668620.16473 0.05
3 FEE 05-May-0.6370004.6430740.13719 0.05
4 05-May-0.6370005.5674610.11441 0.04
5 05-May-0.6370007.1367980.08926 0.03
6 05-May-0.6370008.5113250.07484 0.02
7 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000336.55333365.5333
6.656
FORMULA: 1000*(1+3365.5333
= 3365.533259
T = 20.00%
R = 236.55%
Putnam International Growth
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 4.802099208.24226
1 FEE 02-Jan-0.6370005.4920050.11599 0.06
2 FEE 02-Jan-0.6370006.3586350.10018 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000207.96242079.6240
2.992
FORMULA: 1000*(1+2079.6240
= 2037.123991
T = 26.84%
R = 103.71%
Putnam Voyager
01-Feb-88
TO NO. Y11.912
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Feb-1000.00 1.245666802.78364
1 FEE 01-Feb-0.6370001.3350940.47712 0.06
2 FEE 01-Feb-0.6370001.4496550.43942 0.05
3 FEE 01-Feb-0.6370001.6692310.38161 0.05
4 01-Feb-0.6370002.2447090.28378 0.04
5 01-Feb-0.6370002.4428740.26076 0.03
6 01-Feb-0.6370002.8762660.22147 0.02
7 01-Feb-0.6370002.8150740.22628 0
8 01-Feb-0.6370003.9109460.16288 0
9 01-Feb-0.6370004.4428900.14338 0
10 01-Feb-0.6370005.2595890.12111 0
11 01-Feb-0.6370006.7262550.09470 0
12 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000799.90747999.0743
11.912
FORMULA: 1000*(1+7999.0743
= 7999.074338
T = 19.07%
R = 699.91%
Putnam Growth & Income
01-Feb-88
TO NO. Y11.912
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-Feb-1000.00 2.358359424.02360
1 FEE 01-Feb-0.6370002.9205020.21811 0.06
2 FEE 01-Feb-0.6370003.1673260.20112 0.05
3 FEE 01-Feb-0.6370003.4158320.18648 0.05
4 01-Feb-0.6370003.8567620.16516 0.04
5 01-Feb-0.6370004.1849460.15221 0.03
6 01-Feb-0.6370004.7513970.13407 0.02
7 01-Feb-0.6370004.6564320.13680 0
8 01-Feb-0.6370006.2438650.10202 0
9 01-Feb-0.6370007.5765730.08408 0
10 01-Feb-0.6370008.8723360.07180 0
11 01-Feb-0.63700010.080680.06319 0
12 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000422.44484224.4486
11.912
FORMULA: 1000*(1+4224.4486
= 4224.448649
T = 12.86%
R = 322.44%
MSDW Mid Cap
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 5.494516181.99965
1 FEE 02-Jan-0.6370007.5749440.08409 0.06
2 FEE 02-Jan-0.6370008.3984800.07585 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000181.77601817.7601
2.992
FORMULA: 1000*(1+1817.7601
= 1775.260136
T = 21.14%
R = 77.53%
Aim Aggressive Growth
01-May-98
TO NO. Y1.667
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS01-May-1000.00 7.225268138.40316
1 FEE 01-May-0.6370006.9014790.09230 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000138.24711382.4716
1.667
FORMULA: 1000*(1+1382.4716
= 1339.971646
T = 19.19%
R = 34.00%
Aim Blue Chip
29-Dec-99
TO NO. Y0.005
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS29-Dec-1000.00 10.0009599.99041
1 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.0000099.92671999.2671
0.005
FORMULA: 1000*(1+999.2671
= 948.2671113
T = -99.99%
R = -5.17%
Putnam International New Opp.
02-Jan-97
TO NO. Y2.992
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-Jan-1000.00 4.512738221.59497
1 FEE 02-Jan-0.6370004.4409880.14344 0.06
2 FEE 02-Jan-0.6370005.0171760.12696 0.05
3 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000221.26082212.6087
2.992
FORMULA: 1000*(1+2212.6087
= 2170.108666
T = 29.55%
R = 117.01%
Putnam New Opp.
02-May-94
TO NO. Y5.665
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS02-May-1000.00 2.482417402.83326
1 FEE 02-May-0.6370002.8360260.22461 0.06
2 FEE 02-May-0.6370004.3117240.14774 0.05
3 FEE 02-May-0.6370003.9836700.15990 0.05
4 02-May-0.6370005.7051860.11165 0.04
5 02-May-0.6370006.3934330.09963 0.03
6 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000402.02604020.2602
5.665
FORMULA: 1000*(1+4020.2602
= 4003.260233
T = 27.75%
R = 300.33%
Putnam OTC & Emerging Gr.
30-Apr-98
TO NO. Y1.670
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITEND VALSURRENDER CHARGES
0 INIT DEPOS30-Apr-1000.00 4.509887221.73503
1 FEE 30-Apr-0.6370005.0577020.12595 0.06
2 FEE 31-Dec-0.63700010.000000.06370 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 VAL31-Dec-99 10.00000221.54532215.4538
1.670
FORMULA: 1000*(1+2215.4538
= 2172.953833
T = 59.15%
R = 117.30%
NLIC VAII MONEY MARKET
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 7.529783132.80595
FEE 31-Dec-0.6370007.9663720.07996
FEE 31-Dec-0.6370008.2577790.07714
FEE 31-Dec-0.6370008.3722780.07608
FEE 31-Dec-0.6370008.4321160.07554
FEE 31-Dec-0.6370008.5853700.07420
FEE 31-Dec-0.6370008.8878390.07167
FEE 31-Dec-0.6370009.1563280.06957
FEE 31-Dec-0.6370009.4448690.06744
FEE 31-Dec-0.6370009.7364460.06542
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000132.08521320.8521
10.000
FORMULA: 1000*(1+1320.8521- (0.85 * 1000 * 0)
= 1320.852106
T = 2.82%
R = 32.09%
NLIC VAII HIGH YIELD
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.500580181.79902
FEE 31-Dec-0.6370003.9459020.16143
FEE 31-Dec-0.6370006.1364350.10381
FEE 31-Dec-0.6370007.1234350.08942
FEE 31-Dec-0.6370008.6709300.07346
FEE 31-Dec-0.6370008.3113770.07664
FEE 31-Dec-0.6370009.3446100.06817
FEE 31-Dec-0.63700010.255890.06211
FEE 31-Dec-0.63700011.245770.05664
FEE 31-Dec-0.63700010.339690.06161
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000180.98201809.8203
10.000
FORMULA: 1000*(1+1809.8203- (0.85 * 1000 * 0)
= 1809.820267
T = 6.11%
R = 80.98%
NLIC VAII EQUITY
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 1.534852651.52852
FEE 31-Dec-0.6370001.4498730.43935
FEE 31-Dec-0.6370002.2603670.28181
FEE 31-Dec-0.6370002.2190650.28706
FEE 31-Dec-0.6370002.6038330.24464
FEE 31-Dec-0.6370002.4004990.26536
FEE 31-Dec-0.6370003.3909770.18785
FEE 31-Dec-0.6370003.7343130.17058
FEE 31-Dec-0.6370005.0306640.12662
FEE 31-Dec-0.6370006.4326580.09903
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000649.36256493.6251
10.000
FORMULA: 1000*(1+6493.6251- (0.85 * 1000 * 0)
= 6493.625128
T = 20.57%
R = 549.36%
NLIC VAII QUALITY INCOME
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 5.786692172.81032
FEE 31-Dec-0.6370006.0610250.10510
FEE 31-Dec-0.6370007.0405620.09048
FEE 31-Dec-0.6370007.4724340.08525
FEE 31-Dec-0.6370008.2762170.07697
FEE 31-Dec-0.6370007.5560720.08430
FEE 31-Dec-0.6370009.2333590.06899
FEE 31-Dec-0.6370009.1904510.06931
FEE 31-Dec-0.63700010.009690.06364
FEE 31-Dec-0.63700010.662230.05974
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000172.04281720.4284
10.000
FORMULA: 1000*(1+1720.4284- (0.85 * 1000 * 0)
= 1720.428429
T = 5.58%
R = 72.04%
NLIC VAII STRATEGIST
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.586273278.84102
FEE 31-Dec-0.6370003.5695620.17845
FEE 31-Dec-0.6370004.4877870.14194
FEE 31-Dec-0.6370004.7172570.13504
FEE 31-Dec-0.6370005.1044840.12479
FEE 31-Dec-0.6370005.2051860.12238
FEE 31-Dec-0.6370005.5771020.11422
FEE 31-Dec-0.6370006.2873410.10131
FEE 31-Dec-0.6370007.0083780.09089
FEE 31-Dec-0.6370008.6934920.07327
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000277.69502776.9502
10.000
FORMULA: 1000*(1+2776.9502- (0.85 * 1000 * 0)
= 2776.950237
T = 10.75%
R = 177.70%
Putnam Voyager
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 1.633185612.30039
FEE 31-Dec-0.6370001.5675640.40636
FEE 31-Dec-0.6370002.2436150.28392
FEE 31-Dec-0.6370002.4258000.26259
FEE 31-Dec-0.6370002.8210160.22581
FEE 31-Dec-0.6370002.7924670.22811
FEE 31-Dec-0.6370003.8485630.16552
FEE 31-Dec-0.6370004.2594560.14955
FEE 31-Dec-0.6370005.2795540.12065
FEE 31-Dec-0.6370006.4399410.09891
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000610.29526102.9526
10.000
FORMULA: 1000*(1+6102.9526- (0.85 * 1000 * 0)
= 6102.952583
T = 19.83%
R = 510.30%
Putnam Growth & Income
30-Dec-89
TO NO. Y10.000
31-Dec-99
TRANSACTIONDATE $ VALUE UNIT VALNO. UNITSEND VALUE
INIT DEPOS31-Dec-1000.00 3.301040302.93480
FEE 31-Dec-0.6370003.2974970.19318
FEE 31-Dec-0.6370003.8459060.16563
FEE 31-Dec-0.6370004.1353560.15404
FEE 31-Dec-0.6370004.6294150.13760
FEE 31-Dec-0.6370004.5512940.13996
FEE 31-Dec-0.6370006.0960500.10449
FEE 31-Dec-0.6370007.2814330.08748
FEE 31-Dec-0.6370008.8564950.07192
FEE 31-Dec-0.63700010.029870.06351
FEE 31-Dec-0.63700010.000000.06370
RESULTING VAL31-Dec-99 10.00000301.75323017.5328
10.000
FORMULA: 1000*(1+3017.5328- (0.85 * 1000 * 0)
= 3017.53281
T = 11.68%
R = 201.75%
</TABLE>
