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Previous: ALLSTATE LIFE OF NEW YORK VARIABLE ANNUITY ACCOUNT II, N-4/A, EX-10, 2000-08-30 |
Next: ALLSTATE LIFE OF NEW YORK VARIABLE ANNUITY ACCOUNT II, N-4/A, EX-99, 2000-08-30 |
<TABLE>
<CAPTION>
NLIC VAII HIGH YIELD
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 10.322133 96.87920
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.81550 968.1550
1.000
FORMULA: 1000*(1+T)= 968.1550 - (0.85 * 1000 * 0.01)
= 959.6550
T = -4.03%
R = -4.03%
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 6.421757 155.72062
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.65692 1556.5692
1.000
FORMULA: 1000*(1+T)= 1556.5692 - (0.85 * 1000 * 0.01)
= 1548.0692
T = 54.81%
R = 54.81%
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 10.644116 93.94862
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 93.88492 938.8492
1.000
FORMULA: 1000*(1+T)= 938.8492 - (0.85 * 1000 * 0.01)
= 930.3492
T = -6.97%
R = -6.97%
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 8.678736 115.22415
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 115.16045 1151.6045
1.000
FORMULA: 1000*(1+T)= 1151.6045 - (0.85 * 1000 * 0.01)
= 1143.1045
T = 14.31%
R = 14.31%
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 10.434182 95.83885
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 95.77515 957.7515
1.000
FORMULA: 1000*(1+T)= 957.7515 - (0.85 * 1000 * 0.01)
= 949.2515
T = -5.07%
R = -5.07%
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 9.035696 110.67217
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 110.60847 1106.0847
1.000
FORMULA: 1000*(1+T)= 1106.0847 - (0.85 * 1000 * 0.01)
= 1097.5847
T = 9.76%
R = 9.76%
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 7.888040 126.77421
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 126.71051 1267.1051
1.000
FORMULA: 1000*(1+T)= 1267.1051 - (0.85 * 1000 * 0.01)
= 1258.6051
T = 25.86%
R = 25.86%
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 7.640500 130.88148
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.81778 1308.1778
1.000
FORMULA: 1000*(1+T)= 1308.1778 - (0.85 * 1000 * 0.01)
= 1299.6778
T = 29.97%
R = 29.97%
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 6.131637 163.08857
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 163.02487 1630.2487
1.000
FORMULA: 1000*(1+T)= 1630.2487 - (0.85 * 1000 * 0.01)
= 1621.7487
T = 62.17%
R = 62.17%
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 8.883013 112.57442
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 112.51072 1125.1072
1.000
FORMULA: 1000*(1+T)= 1125.1072 - (0.85 * 1000 * 0.01)
= 1116.6072
T = 11.66%
R = 11.66%
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 9.512723 105.12237
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 105.05867 1050.5867
1.000
FORMULA: 1000*(1+T)= 1050.5867 - (0.85 * 1000 * 0.01)
= 1042.0867
T = 4.21%
R = 4.21%
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 7.285176 137.26504
FEE 31-Dec-99 0.637000637 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 0.637000637 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 0.637000637 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 0.637000637 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 0.637000637 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 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 8.076785 123.81164
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.74794 1237.4794
1.000
FORMULA: 1000*(1+T)= 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. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.508585 117.52836
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.46466 1174.6466
1.000
FORMULA: 1000*(1+T)= 1174.6466 - (0.85 * 1000 * 0.01)
= 1166.1466
T = 16.61%
R = 16.61%
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
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 8.241045 121.34384
FEE 31-Dec-95 0.637000637 9.281206 0.06863
FEE 31-Dec-96 0.637000637 10.203729 0.06243
FEE 31-Dec-97 0.637000637 11.207600 0.05684
FEE 31-Dec-98 0.637000637 10.322133 0.06171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 121.03053 1210.3053
5.000
FORMULA: 1000*(1+T)= 1210.3053
= 1210.305285
T = 3.89%
R = 21.03%
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 2.380203 420.13232
FEE 31-Dec-95 0.637000637 3.367990 0.18913
FEE 31-Dec-96 0.637000637 3.715345 0.17145
FEE 31-Dec-97 0.637000637 5.013618 0.12705
FEE 31-Dec-98 0.637000637 6.421757 0.09919
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 419.48178 4194.8178
5.000
FORMULA: 1000*(1+T)= 4194.8178
= 4194.817835
T = 33.21%
R = 319.48%
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 7.492129 133.47341
FEE 31-Dec-95 0.637000637 9.170700 0.06946
FEE 31-Dec-96 0.637000637 9.143702 0.06967
FEE 31-Dec-97 0.637000637 9.975714 0.06386
FEE 31-Dec-98 0.637000637 10.644116 0.05985
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 133.14688 1331.4688
5.000
FORMULA: 1000*(1+T)= 1331.4688
= 1331.468787
T = 5.89%
R = 33.15%
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 5.161155 193.75508
FEE 31-Dec-95 0.637000637 5.539280 0.11500
FEE 31-Dec-96 0.637000637 6.255383 0.10183
FEE 31-Dec-97 0.637000637 6.984611 0.09120
FEE 31-Dec-98 0.637000637 8.678736 0.07340
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 193.30995 1933.0995
5.000
FORMULA: 1000*(1+T)= 1933.0995
= 1933.099521
T = 14.09%
R = 93.31%
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 4.651785 214.97122
FEE 31-Dec-95 0.637000637 6.195392 0.10282
FEE 31-Dec-96 0.637000637 7.540016 0.08448
FEE 31-Dec-97 0.637000637 9.299161 0.06850
FEE 31-Dec-98 0.637000637 10.434182 0.06105
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 214.59067 2145.9067
5.000
FORMULA: 1000*(1+T)= 2145.9067
= 2145.906725
T = 16.50%
R = 114.59%
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 4.422145 226.13462
FEE 31-Dec-95 0.637000637 5.581809 0.11412
FEE 31-Dec-96 0.637000637 5.955765 0.10696
FEE 31-Dec-97 0.637000637 7.435688 0.08567
FEE 31-Dec-98 0.637000637 9.035696 0.07050
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 225.69368 2256.9368
5.000
FORMULA: 1000*(1+T)= 2256.9368
= 2256.936775
T = 17.68%
R = 125.69%
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 3.608713 277.10709
FEE 31-Dec-95 0.637000637 4.455067 0.14298
FEE 31-Dec-96 0.637000637 5.685747 0.11203
FEE 31-Dec-97 0.637000637 6.480581 0.09829
FEE 31-Dec-98 0.637000637 7.888040 0.08076
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 276.60932 2766.0932
5.000
FORMULA: 1000*(1+T)= 2766.0932
= 2766.093193
T = 22.57%
R = 176.61%
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 3.703219 270.03536
FEE 31-Dec-95 0.637000637 4.857085 0.13115
FEE 31-Dec-96 0.637000637 5.319173 0.11976
FEE 31-Dec-97 0.637000637 6.504476 0.09793
FEE 31-Dec-98 0.637000637 7.640500 0.08337
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 269.53946 2695.3946
5.000
FORMULA: 1000*(1+T)= 2695.3946
= 2695.394558
T = 21.93%
R = 169.54%
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 10.655073 93.85201
FEE 31-Dec-95 0.637000637 11.171479 0.05702
FEE 31-Dec-96 0.637000637 11.394154 0.05591
FEE 31-Dec-97 0.637000637 6.969690 0.09140
FEE 31-Dec-98 0.637000637 6.131637 0.10389
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 93.48010 934.8010
5.000
FORMULA: 1000*(1+T)= 934.8010
= 934.8010052
T = -1.34%
R = -6.52%
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 5.273631 189.62268
FEE 31-Dec-95 0.637000637 6.330375 0.10063
FEE 31-Dec-96 0.637000637 7.308057 0.08716
FEE 31-Dec-97 0.637000637 8.039457 0.07923
FEE 31-Dec-98 0.637000637 8.883013 0.07171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 189.22025 1892.2025
5.000
FORMULA: 1000*(1+T)= 1892.2025
= 1892.202469
T = 13.60%
R = 89.22%
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 9.386695 0.06786
FEE 31-Dec-98 0.637000637 9.512723 0.06696
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 6.204274 0.10267
FEE 31-Dec-98 0.637000637 7.285176 0.08744
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 7.593021 0.08389
FEE 31-Dec-98 0.637000637 8.114803 0.07850
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 7.117181 0.08950
FEE 31-Dec-97 0.637000637 7.027176 0.09065
FEE 31-Dec-98 0.637000637 5.217727 0.12208
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 2.697310 0.23616
FEE 31-Dec-96 0.637000637 3.096873 0.20569
FEE 31-Dec-97 0.637000637 3.670955 0.17352
FEE 31-Dec-98 0.637000637 4.970625 0.12815
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 12.032431 0.05294
FEE 31-Dec-98 0.637000637 10.311025 0.06178
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 8.076785 0.07887
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 8.508585 0.07487
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
NLIC VAII HIGH YIELD
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 5.647856 177.05832
1 FEE 24-Sep-92 0.637000637 7.180105 0.08872 0.06
2 FEE 24-Sep-93 0.637000637 8.179901 0.07787 0.05
3 FEE 24-Sep-94 0.637000637 8.260822 0.07711 0.05
4 24-Sep-95 0.637000637 9.098428 0.07001 0.04
5 24-Sep-96 0.637000637 9.873051 0.06452 0.03
6 24-Sep-97 0.637000637 11.049513 0.05765 0.02
7 24-Sep-98 0.637000637 10.406833 0.06121 0
8 24-Sep-99 0.637000637 10.111801 0.06300 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 176.43454 1764.3454
8.268
FORMULA: 1000*(1+T)= 1764.3454
= 1764.345359
T = 7.11%
R = 76.43%
NLIC VAII EQUITY
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 1.948201 513.29403
1 FEE 24-Sep-92 0.637000637 1.986846 0.32061 0.06
2 FEE 24-Sep-93 0.637000637 2.647433 0.24061 0.05
3 FEE 24-Sep-94 0.637000637 2.414042 0.26387 0.05
4 24-Sep-95 0.637000637 3.241150 0.19654 0.04
5 24-Sep-96 0.637000637 3.554519 0.17921 0.03
6 24-Sep-97 0.637000637 4.965151 0.12829 0.02
7 24-Sep-98 0.637000637 5.472744 0.11640 0
8 24-Sep-99 0.637000637 7.223154 0.08819 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 511.69661 5116.9661
8.268
FORMULA: 1000*(1+T)= 5116.9661
= 5116.966134
T = 21.83%
R = 411.70%
NLIC VAII QUALITY INCOME
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 6.580578 151.96234
1 FEE 24-Sep-92 0.637000637 7.359773 0.08655 0.06
2 FEE 24-Sep-93 0.637000637 8.301260 0.07674 0.05
3 FEE 24-Sep-94 0.637000637 7.522941 0.08467 0.05
4 24-Sep-95 0.637000637 8.641535 0.07371 0.04
5 24-Sep-96 0.637000637 8.831687 0.07213 0.03
6 24-Sep-97 0.637000637 9.723103 0.06551 0.02
7 24-Sep-98 0.637000637 10.543106 0.06042 0
8 24-Sep-99 0.637000637 10.172289 0.06262 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 151.31628 1513.1628
8.268
FORMULA: 1000*(1+T)= 1513.1628
= 1513.162818
T = 5.14%
R = 51.32%
NLIC VAII STRATEGIST
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 4.155873 240.62334
1 FEE 24-Sep-92 0.637000637 4.585535 0.13892 0.06
2 FEE 24-Sep-93 0.637000637 4.941544 0.12891 0.05
3 FEE 24-Sep-94 0.637000637 5.130945 0.12415 0.05
4 24-Sep-95 0.637000637 5.350827 0.11905 0.04
5 24-Sep-96 0.637000637 5.940426 0.10723 0.03
6 24-Sep-97 0.637000637 7.164539 0.08891 0.02
7 24-Sep-98 0.637000637 7.568737 0.08416 0
8 24-Sep-99 0.637000637 9.073465 0.07020 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 239.69812 2396.9812
8.268
FORMULA: 1000*(1+T)= 2396.9812
= 2396.981179
T = 11.15%
R = 139.70%
NLIC VAII DIVIDEND GROWTH
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 3.862069 258.92860
1 FEE 24-Sep-92 0.637000637 4.254665 0.14972 0.06
2 FEE 24-Sep-93 0.637000637 4.700384 0.13552 0.05
3 FEE 24-Sep-94 0.637000637 4.722910 0.13487 0.05
4 24-Sep-95 0.637000637 5.800454 0.10982 0.04
5 24-Sep-96 0.637000637 6.968436 0.09141 0.03
6 24-Sep-97 0.637000637 9.235452 0.06897 0.02
7 24-Sep-98 0.637000637 9.428923 0.06756 0
8 24-Sep-99 0.637000637 10.020135 0.06357 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 258.04345 2580.4345
8.268
FORMULA: 1000*(1+T)= 2580.4345
= 2580.434524
T = 12.15%
R = 158.04%
NLIC VAII UTILITIES
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 3.602752 277.56560
1 FEE 24-Sep-92 0.637000637 4.136589 0.15399 0.06
2 FEE 24-Sep-93 0.637000637 5.138068 0.12398 0.05
3 FEE 24-Sep-94 0.637000637 4.426475 0.14391 0.05
4 24-Sep-95 0.637000637 5.203963 0.12241 0.04
5 24-Sep-96 0.637000637 5.578339 0.11419 0.03
6 24-Sep-97 0.637000637 6.615935 0.09628 0.02
7 24-Sep-98 0.637000637 8.057251 0.07906 0
8 24-Sep-99 0.637000637 8.958998 0.07110 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 276.59699 2765.9699
8.268
FORMULA: 1000*(1+T)= 2765.9699
= 2765.969851
T = 13.09%
R = 176.60%
NLIC VAII EUROPEAN GROWTH
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 2.349542 425.61482
1 FEE 24-Sep-92 0.637000637 2.441302 0.26093 0.06
2 FEE 24-Sep-93 0.637000637 3.014874 0.21129 0.05
3 FEE 24-Sep-94 0.637000637 3.624882 0.17573 0.05
4 24-Sep-95 0.637000637 4.351861 0.14637 0.04
5 24-Sep-96 0.637000637 5.130595 0.12416 0.03
6 24-Sep-97 0.637000637 6.520228 0.09770 0.02
7 24-Sep-98 0.637000637 6.911853 0.09216 0
8 24-Sep-99 0.637000637 7.861697 0.08103 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 424.36177 4243.6177
8.268
FORMULA: 1000*(1+T)= 4243.6177
= 4243.617664
T = 19.10%
R = 324.36%
NLIC VAII CAPITAL GROWTH
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 3.630796 275.42173
1 FEE 24-Sep-92 0.637000637 3.832845 0.16620 0.06
2 FEE 24-Sep-93 0.637000637 3.652554 0.17440 0.05
3 FEE 24-Sep-94 0.637000637 3.725710 0.17097 0.05
4 24-Sep-95 0.637000637 4.454468 0.14300 0.04
5 24-Sep-96 0.637000637 5.293937 0.12033 0.03
6 24-Sep-97 0.637000637 6.936808 0.09183 0.02
7 24-Sep-98 0.637000637 6.591950 0.09663 0
8 24-Sep-99 0.637000637 7.838575 0.08126 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 274.31340 2743.1340
8.268
FORMULA: 1000*(1+T)= 2743.1340
= 2743.134047
T = 12.98%
R = 174.31%
NLIC VAII PACIFIC GROWTH
23-Feb-94
TO NO. YEARS 5.851
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 23-Feb-94 1000.00 11.716957 85.34639
1 FEE 23-Feb-95 0.637000637 10.048678 0.06339 0.06
2 FEE 23-Feb-96 0.637000637 12.059089 0.05282 0.05
3 FEE 23-Feb-97 0.637000637 11.501403 0.05538 0.05
4 23-Feb-98 0.637000637 6.984948 0.09120 0.04
5 23-Feb-99 0.637000637 5.925061 0.10751 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 84.91238 849.1238
5.851
FORMULA: 1000*(1+T)= 849.1238
= 832.1238403
T = -3.09%
R = -16.79%
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 5.350851 186.88615
1 FEE 24-Feb-95 0.637000637 5.307508 0.12002 0.06
2 FEE 24-Feb-96 0.637000637 6.539682 0.09741 0.05
3 FEE 24-Feb-97 0.637000637 7.382304 0.08629 0.05
4 24-Feb-98 0.637000637 8.380994 0.07601 0.04
5 24-Feb-99 0.637000637 8.666398 0.07350 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 186.36923 1863.6923
5.848
FORMULA: 1000*(1+T)= 1863.6923
= 1846.692337
T = 11.06%
R = 84.67%
NLIC VAII INCOME BUILDER
24-Feb-97
TO NO. YEARS 2.847
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Feb-97 1000.00 7.930172 126.10067
1 FEE 24-Feb-98 0.637000637 9.607643 0.06630 0.06
2 FEE 24-Feb-99 0.637000637 9.296142 0.06852 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 125.90215 1259.0215
2.847
FORMULA: 1000*(1+T)= 1259.0215
= 1216.521474
T = 7.13%
R = 21.65%
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 0.637000637 7.824308 0.08141 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 138.30103 1383.0103
1.793
FORMULA: 1000*(1+T)= 1383.0103
= 1340.510343
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 0.637000637 8.146127 0.07820 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 119.84768 1198.4768
1.793
FORMULA: 1000*(1+T)= 1198.4768
= 1155.976787
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 0.637000637 5.742172 0.11093 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 134.99452 1349.9452
1.793
FORMULA: 1000*(1+T)= 1349.9452
= 1307.445227
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 0.637000637 5.502189 0.11577 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 240.74537 2407.4537
1.793
FORMULA: 1000*(1+T)= 2407.4537
= 2364.953712
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 0.637000637 11.086413 0.05746 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 85.58915 855.8915
1.621
FORMULA: 1000*(1+T)= 855.8915
= 813.3915118
T = -11.96%
R = -18.66%
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 8.327416 120.08527
1 FEE 18-May-99 0.637000637 8.389113 0.07593 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 119.94564 1199.4564
1.621
FORMULA: 1000*(1+T)= 1199.4564
= 1156.956424
T = 9.41%
R = 15.70%
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 7.670143 130.37566
1 FEE 18-May-99 0.637000637 9.188117 0.06933 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 130.24263 1302.4263
1.621
FORMULA: 1000*(1+T)= 1302.4263
= 1259.926314
T = 15.32%
R = 25.99%
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 6.929115 144.31857
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 144.25487 1442.5487
0.663
FORMULA: 1000*(1+T)= 1442.5487
= 1391.548717
T = 64.66%
R = 39.15%
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 9.966981 100.33128
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 100.26758 1002.6758
0.663
FORMULA: 1000*(1+T)= 1002.6758
= 951.6758023
T = -7.20%
R = -4.83%
<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
High Yield 09/24/91 5.647856437 N/A 8.241044706 10.20372864 11.20759952 10.32213317
Equity 09/24/91 1.948201118 N/A 2.380202522 3.71534475 5.013617769 6.421757077
Quality Income 09/24/91 6.580577885 N/A 7.492129227 9.143702056 9.975714252 10.64411597
Managed Assets 09/24/91 4.155872742 N/A 5.161155001 6.255383001 6.984610907 8.678736045
Dividend Growth 09/24/91 3.862068521 N/A 4.651785395 7.540016209 9.2991614 10.43418194
Utilities 09/24/91 3.602751887 N/A 4.422144652 5.955764953 7.435688123 9.035695607
European Growth 09/24/91 2.349542228 N/A 3.608713198 5.685747298 6.480581456 7.888039576
Capital Growth 09/24/91 3.630795591 N/A 3.703218659 5.319173087 6.504475877 7.640500232
Pacific Growth 02/23/94 11.71695732 N/A 10.6550728 11.39415362 6.969689754 6.131637447
Global Div Growth 02/24/94 5.350851214 N/A 5.27363073 7.308056689 8.03945708 8.883013007
Income Builder 02/24/97 7.930171856 N/A N/A N/A 9.386694921 9.512722787
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
Competitive Edge 05/18/98 8.32741571 N/A N/A N/A N/A 8.076785289
S&P 500 Index 05/18/98 7.670143327 N/A N/A N/A N/A 8.508584513
Aggressive Equity 05/03/99 6.929115134 N/A N/A N/A N/A N/A
Short Term Bond 05/03/99 9.966981355 N/A N/A N/A N/A N/A
YTD 3 Months Today's Inception Ten Years
Fund AUV AUV AUV Total Average Total Average
High Yield 10.32213317 9.996308487 10 77.06% 7.15% N/A N/A
Equity 6.421757077 7.247450309 10 413.29% 21.86% N/A N/A
Quality Income 10.64411597 10.10569281 10 51.96% 5.19% N/A N/A
Managed Assets 8.678736045 9.11522206 10 140.62% 11.20% N/A N/A
Dividend Growth 10.43418194 10.03632723 10 158.93% 12.19% N/A N/A
Utilities 9.035695607 9.053025072 10 177.57% 13.13% N/A N/A
European Growth 7.888039576 8.025351532 10 325.61% 19.13% N/A N/A
Capital Growth 7.640500232 7.87009064 10 175.42% 13.03% N/A N/A
Pacific Growth 6.131637447 8.269098227 10 -14.65% -2.67% N/A N/A
Global Div Growth 8.883013007 9.535768171 10 86.89% 11.28% N/A N/A
Income Builder 9.512722787 9.503785294 10 26.10% 8.48% N/A N/A
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
Competitive Edge 8.076785289 8.470585415 10 20.09% 11.95% N/A N/A
S&P 500 Index 8.508584513 8.759541457 10 30.38% 17.77% N/A N/A
Aggressive Equity 10 7.129434362 10 44.32% 73.90% N/A N/A
Short Term Bond 10 9.984207106 10 0.33% 0.50% N/A N/A
Five Years Three Years Two Years One Year
Fund Total Average Total Average Total Average
High Yield 21.34% 3.94% -2.00% -0.67% -10.77% -5.54% -3.12%
Equity 320.13% 33.25% 169.15% 39.10% 99.46% 41.23% 55.72%
Quality Income 33.47% 5.94% 9.36% 3.03% 0.24% 0.12% -6.05%
Managed Assets 93.76% 14.14% 59.86% 16.93% 43.17% 19.65% 15.22%
Dividend Growth 114.97% 16.54% 32.63% 9.87% 7.54% 3.70% -4.16%
Utilities 126.13% 17.73% 67.90% 18.86% 34.49% 15.97% 10.67%
European Growth 177.11% 22.61% 75.88% 20.71% 54.31% 24.22% 26.77%
Capital Growth 170.04% 21.98% 88.00% 23.42% 53.74% 23.99% 30.88%
Pacific Growth -6.15% -1.26% -12.24% -4.26% 43.48% 19.78% 63.09%
Global Div Growth 89.62% 13.65% 36.84% 11.02% 24.39% 11.53% 12.57%
Income Builder N/A N/A N/A N/A 6.53% 3.22% 5.12%
Equity Growth N/A N/A N/A N/A N/A N/A 37.27%
International Magnum N/A N/A N/A N/A N/A N/A 23.23%
Emerging Markets N/A N/A N/A N/A N/A N/A 91.65%
Emerging Growth N/A N/A N/A N/A N/A N/A 101.18%
Real Estate N/A N/A N/A N/A N/A N/A -3.02%
Competitive Edge N/A N/A N/A N/A N/A N/A 23.81%
S&P 500 Index N/A N/A N/A N/A N/A N/A 17.53%
Aggressive Equity N/A N/A N/A N/A N/A N/A N/A
Short Term Bond N/A N/A N/A N/A N/A N/A N/A
YTD Three Months
Fund
High Yield -3.12% 0.04%
Equity 55.72% 37.98%
Quality Income -6.05% -1.05%
Managed Assets 15.22% 9.71%
Dividend Growth -4.16% -0.36%
Utilities 10.67% 10.46%
European Growth 26.77% 24.61%
Capital Growth 30.88% 27.06%
Pacific Growth 63.09% 20.93%
Global Div Growth 12.57% 4.87%
Income Builder 5.12% 5.22%
Equity Growth 37.27% 21.34%
International Magnum 23.23% 11.67%
Emerging Markets 91.65% 48.87%
Emerging Growth 101.18% 59.94%
Real Estate -3.02% -1.39%
Competitive Edge 23.81% 18.06%
S&P 500 Index 17.53% 14.16%
Aggressive Equity 0.00% 40.26%
Short Term Bond 0.00% 0.16%
<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 9.719910 102.88161
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 102.81791 1028.1791
1.000
FORMULA: 1000*(1+T)= 1028.1791 - (0.85 * 1000 * 0.01)
= 1019.6791
T = 1.97%
R = 1.97%
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 10.322133 96.87920
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 96.81550 968.1550
1.000
FORMULA: 1000*(1+T)= 968.1550 - (0.85 * 1000 * 0.01)
= 959.6550
T = -4.03%
R = -4.03%
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 6.421757 155.72062
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.65692 1556.5692
1.000
FORMULA: 1000*(1+T)= 1556.5692 - (0.85 * 1000 * 0.01)
= 1548.0692
T = 54.81%
R = 54.81%
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 10.644116 93.94862
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 93.88492 938.8492
1.000
FORMULA: 1000*(1+T)= 938.8492 - (0.85 * 1000 * 0.01)
= 930.3492
T = -6.97%
R = -6.97%
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 8.678736 115.22415
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 115.16045 1151.6045
1.000
FORMULA: 1000*(1+T)= 1151.6045 - (0.85 * 1000 * 0.01)
= 1143.1045
T = 14.31%
R = 14.31%
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 10.434182 95.83885
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 95.77515 957.7515
1.000
FORMULA: 1000*(1+T)= 957.7515 - (0.85 * 1000 * 0.01)
= 949.2515
T = -5.07%
R = -5.07%
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 9.035696 110.67217
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 110.60847 1106.0847
1.000
FORMULA: 1000*(1+T)= 1106.0847 - (0.85 * 1000 * 0.01)
= 1097.5847
T = 9.76%
R = 9.76%
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 7.888040 126.77421
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 126.71051 1267.1051
1.000
FORMULA: 1000*(1+T)= 1267.1051 - (0.85 * 1000 * 0.01)
= 1258.6051
T = 25.86%
R = 25.86%
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 7.640500 130.88148
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 130.81778 1308.1778
1.000
FORMULA: 1000*(1+T)= 1308.1778 - (0.85 * 1000 * 0.01)
= 1299.6778
T = 29.97%
R = 29.97%
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 6.131637 163.08857
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 163.02487 1630.2487
1.000
FORMULA: 1000*(1+T)= 1630.2487 - (0.85 * 1000 * 0.01)
= 1621.7487
T = 62.17%
R = 62.17%
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 8.883013 112.57442
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 112.51072 1125.1072
1.000
FORMULA: 1000*(1+T)= 1125.1072 - (0.85 * 1000 * 0.01)
= 1116.6072
T = 11.66%
R = 11.66%
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 9.512723 105.12237
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 105.05867 1050.5867
1.000
FORMULA: 1000*(1+T)= 1050.5867 - (0.85 * 1000 * 0.01)
= 1042.0867
T = 4.21%
R = 4.21%
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 7.285176 137.26504
FEE 31-Dec-99 0.637000637 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 0.637000637 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 0.637000637 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 0.637000637 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 0.637000637 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 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 8.076785 123.81164
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 123.74794 1237.4794
1.000
FORMULA: 1000*(1+T)= 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. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 8.508585 117.52836
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.46466 1174.6466
1.000
FORMULA: 1000*(1+T)= 1174.6466 - (0.85 * 1000 * 0.01)
= 1166.1466
T = 16.61%
R = 16.61%
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 7.562792 132.22629
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 132.16259 1321.6259
1.000
FORMULA: 1000*(1+T)= 1321.6259 - (0.85 * 1000 * 0.01)
= 1313.1259
T = 31.31%
R = 31.31%
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 9.131660 109.50911
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 109.44541 1094.4541
1.000
FORMULA: 1000*(1+T)= 1094.4541 - (0.85 * 1000 * 0.01)
= 1085.9541
T = 8.60%
R = 8.60%
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 7.024937 142.35003
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.28633 1422.8633
1.000
FORMULA: 1000*(1+T)= 1422.8633 - (0.85 * 1000 * 0.01)
= 1414.3633
T = 41.44%
R = 41.44%
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 7.512153 133.11762
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 133.05392 1330.5392
1.000
FORMULA: 1000*(1+T)= 1330.5392 - (0.85 * 1000 * 0.01)
= 1322.0392
T = 32.20%
R = 32.20%
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 7.820851 127.86332
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 127.79962 1277.9962
1.000
FORMULA: 1000*(1+T)= 1277.9962 - (0.85 * 1000 * 0.01)
= 1269.4962
T = 26.95%
R = 26.95%
Putnam International Growth
12/31/98 NO. YEARS 1.000
TO
12/31/99 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-98 1000.00 6.347884 157.53282
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 157.46912 1574.6912
1.000
FORMULA: 1000*(1+T)= 1574.6912 - (0.85 * 1000 * 0.01)
= 1566.1912
T = 56.62%
R = 56.62%
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 6.429035 155.54433
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 155.48063 1554.8063
1.000
FORMULA: 1000*(1+T)= 1554.8063 - (0.85 * 1000 * 0.01)
= 1546.3063
T = 54.63%
R = 54.63%
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 10.012830 99.87186
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 99.80816 998.0816
1.000
FORMULA: 1000*(1+T)= 998.0816 - (0.85 * 1000 * 0.01)
= 989.5816
T = -1.04%
R = -1.04%
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 8.424280 118.70451
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 118.64081 1186.4081
1.000
FORMULA: 1000*(1+T)= 1186.4081 - (0.85 * 1000 * 0.01)
= 1177.9081
T = 17.79%
R = 17.79%
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 7.022192 142.40567
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.34197 1423.4197
1.000
FORMULA: 1000*(1+T)= 1423.4197 - (0.85 * 1000 * 0.01)
= 1414.9197
T = 41.49%
R = 41.49%
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 5.008725 199.65161
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 199.58791 1995.8791
1.000
FORMULA: 1000*(1+T)= 1995.8791 - (0.85 * 1000 * 0.01)
= 1987.3791
T = 98.74%
R = 98.74%
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 6.007688 166.45339
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 166.38969 1663.8969
1.000
FORMULA: 1000*(1+T)= 1663.8969 - (0.85 * 1000 * 0.01)
= 1655.3969
T = 65.54%
R = 65.54%
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 4.486267 222.90245
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 222.83875 2228.3875
1.000
FORMULA: 1000*(1+T)= 2228.3875 - (0.85 * 1000 * 0.01)
= 2219.8875
T = 121.99%
R = 121.99%
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 8.512716 117.47132
FEE 31-Dec-95 0.637000637 8.827534 0.07216
FEE 31-Dec-96 0.637000637 9.109757 0.06993
FEE 31-Dec-97 0.637000637 9.412816 0.06767
FEE 31-Dec-98 0.637000637 9.719910 0.06554
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 117.13232 1171.3232
5.000
FORMULA: 1000*(1+T)= 1171.3232
= 1171.323232
T = 3.21%
R = 17.13%
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 8.241045 121.34384
FEE 31-Dec-95 0.637000637 9.281206 0.06863
FEE 31-Dec-96 0.637000637 10.203729 0.06243
FEE 31-Dec-97 0.637000637 11.207600 0.05684
FEE 31-Dec-98 0.637000637 10.322133 0.06171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 121.03053 1210.3053
5.000
FORMULA: 1000*(1+T)= 1210.3053
= 1210.305285
T = 3.89%
R = 21.03%
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 2.380203 420.13232
FEE 31-Dec-95 0.637000637 3.367990 0.18913
FEE 31-Dec-96 0.637000637 3.715345 0.17145
FEE 31-Dec-97 0.637000637 5.013618 0.12705
FEE 31-Dec-98 0.637000637 6.421757 0.09919
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 419.48178 4194.8178
5.000
FORMULA: 1000*(1+T)= 4194.8178
= 4194.817835
T = 33.21%
R = 319.48%
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 7.492129 133.47341
FEE 31-Dec-95 0.637000637 9.170700 0.06946
FEE 31-Dec-96 0.637000637 9.143702 0.06967
FEE 31-Dec-97 0.637000637 9.975714 0.06386
FEE 31-Dec-98 0.637000637 10.644116 0.05985
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 133.14688 1331.4688
5.000
FORMULA: 1000*(1+T)= 1331.4688
= 1331.468787
T = 5.89%
R = 33.15%
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 5.161155 193.75508
FEE 31-Dec-95 0.637000637 5.539280 0.11500
FEE 31-Dec-96 0.637000637 6.255383 0.10183
FEE 31-Dec-97 0.637000637 6.984611 0.09120
FEE 31-Dec-98 0.637000637 8.678736 0.07340
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 193.30995 1933.0995
5.000
FORMULA: 1000*(1+T)= 1933.0995
= 1933.099521
T = 14.09%
R = 93.31%
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 4.651785 214.97122
FEE 31-Dec-95 0.637000637 6.195392 0.10282
FEE 31-Dec-96 0.637000637 7.540016 0.08448
FEE 31-Dec-97 0.637000637 9.299161 0.06850
FEE 31-Dec-98 0.637000637 10.434182 0.06105
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 214.59067 2145.9067
5.000
FORMULA: 1000*(1+T)= 2145.9067
= 2145.906725
T = 16.50%
R = 114.59%
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 4.422145 226.13462
FEE 31-Dec-95 0.637000637 5.581809 0.11412
FEE 31-Dec-96 0.637000637 5.955765 0.10696
FEE 31-Dec-97 0.637000637 7.435688 0.08567
FEE 31-Dec-98 0.637000637 9.035696 0.07050
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 225.69368 2256.9368
5.000
FORMULA: 1000*(1+T)= 2256.9368
= 2256.936775
T = 17.68%
R = 125.69%
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 3.608713 277.10709
FEE 31-Dec-95 0.637000637 4.455067 0.14298
FEE 31-Dec-96 0.637000637 5.685747 0.11203
FEE 31-Dec-97 0.637000637 6.480581 0.09829
FEE 31-Dec-98 0.637000637 7.888040 0.08076
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 276.60932 2766.0932
5.000
FORMULA: 1000*(1+T)= 2766.0932
= 2766.093193
T = 22.57%
R = 176.61%
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 3.703219 270.03536
FEE 31-Dec-95 0.637000637 4.857085 0.13115
FEE 31-Dec-96 0.637000637 5.319173 0.11976
FEE 31-Dec-97 0.637000637 6.504476 0.09793
FEE 31-Dec-98 0.637000637 7.640500 0.08337
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 269.53946 2695.3946
5.000
FORMULA: 1000*(1+T)= 2695.3946
= 2695.394558
T = 21.93%
R = 169.54%
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 10.655073 93.85201
FEE 31-Dec-95 0.637000637 11.171479 0.05702
FEE 31-Dec-96 0.637000637 11.394154 0.05591
FEE 31-Dec-97 0.637000637 6.969690 0.09140
FEE 31-Dec-98 0.637000637 6.131637 0.10389
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 93.48010 934.8010
5.000
FORMULA: 1000*(1+T)= 934.8010
= 934.8010052
T = -1.34%
R = -6.52%
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 5.273631 189.62268
FEE 31-Dec-95 0.637000637 6.330375 0.10063
FEE 31-Dec-96 0.637000637 7.308057 0.08716
FEE 31-Dec-97 0.637000637 8.039457 0.07923
FEE 31-Dec-98 0.637000637 8.883013 0.07171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 189.22025 1892.2025
5.000
FORMULA: 1000*(1+T)= 1892.2025
= 1892.202469
T = 13.60%
R = 89.22%
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 9.386695 0.06786
FEE 31-Dec-98 0.637000637 9.512723 0.06696
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 6.204274 0.10267
FEE 31-Dec-98 0.637000637 7.285176 0.08744
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 7.593021 0.08389
FEE 31-Dec-98 0.637000637 8.114803 0.07850
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 7.117181 0.08950
FEE 31-Dec-97 0.637000637 7.027176 0.09065
FEE 31-Dec-98 0.637000637 5.217727 0.12208
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 2.697310 0.23616
FEE 31-Dec-96 0.637000637 3.096873 0.20569
FEE 31-Dec-97 0.637000637 3.670955 0.17352
FEE 31-Dec-98 0.637000637 4.970625 0.12815
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 12.032431 0.05294
FEE 31-Dec-98 0.637000637 10.311025 0.06178
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 8.076785 0.07887
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 8.508585 0.07487
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 2.797097 357.51352
FEE 31-Dec-95 0.637000637 3.715147 0.17146
FEE 31-Dec-96 0.637000637 4.686970 0.13591
FEE 31-Dec-97 0.637000637 5.983558 0.10646
FEE 31-Dec-98 0.637000637 7.562792 0.08423
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 356.95177 3569.5177
5.000
FORMULA: 1000*(1+T)= 3569.5177
= 3569.517664
T = 28.98%
R = 256.95%
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 3.744342 267.06963
FEE 31-Dec-95 0.637000637 4.992967 0.12758
FEE 31-Dec-96 0.637000637 6.083424 0.10471
FEE 31-Dec-97 0.637000637 7.693178 0.08280
FEE 31-Dec-98 0.637000637 9.131660 0.06976
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 266.62108 2666.2108
5.000
FORMULA: 1000*(1+T)= 2666.2108
= 2666.210819
T = 21.67%
R = 166.62%
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 3.566719 280.36971
FEE 31-Dec-95 0.637000637 4.763931 0.13371
FEE 31-Dec-96 0.637000637 5.513220 0.11554
FEE 31-Dec-97 0.637000637 6.159700 0.10341
FEE 31-Dec-98 0.637000637 7.024937 0.09068
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 279.86267 2798.6267
5.000
FORMULA: 1000*(1+T)= 2798.6267
= 2798.626697
T = 22.85%
R = 179.86%
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 3.169060 315.55102
FEE 31-Dec-95 0.637000637 4.204161 0.15152
FEE 31-Dec-96 0.637000637 4.886469 0.13036
FEE 31-Dec-97 0.637000637 6.102257 0.10439
FEE 31-Dec-98 0.637000637 7.512153 0.08480
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 315.01626 3150.1626
5.000
FORMULA: 1000*(1+T)= 3150.1626
= 3150.162559
T = 25.80%
R = 215.02%
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 3.410494 293.21264
FEE 31-Dec-95 0.637000637 4.574147 0.13926
FEE 31-Dec-96 0.637000637 5.178430 0.12301
FEE 31-Dec-97 0.637000637 6.304776 0.10103
FEE 31-Dec-98 0.637000637 7.820851 0.08145
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 292.70418 2927.0418
5.000
FORMULA: 1000*(1+T)= 2927.0418
= 2927.041844
T = 23.96%
R = 192.70%
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 5.445442 0.11698
FEE 31-Dec-98 0.637000637 6.347884 0.10035
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 2.768854 361.16022
FEE 31-Dec-95 0.637000637 3.822506 0.16664
FEE 31-Dec-96 0.637000637 4.237818 0.15031
FEE 31-Dec-97 0.637000637 5.261667 0.12106
FEE 31-Dec-98 0.637000637 6.429035 0.09908
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 360.55941 3605.5941
5.000
FORMULA: 1000*(1+T)= 3605.5941
= 3605.59413
T = 29.24%
R = 260.56%
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 4.512790 221.59242
FEE 31-Dec-95 0.637000637 6.054750 0.10521
FEE 31-Dec-96 0.637000637 7.244400 0.08793
FEE 31-Dec-97 0.637000637 8.826430 0.07217
FEE 31-Dec-98 0.637000637 10.012830 0.06362
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 221.19979 2211.9979
5.000
FORMULA: 1000*(1+T)= 2211.9979
= 2211.997909
T = 17.21%
R = 121.20%
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 7.584129 0.08399
FEE 31-Dec-98 0.637000637 8.424280 0.07561
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 7.022192 0.09071
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 4.408735 0.14449
FEE 31-Dec-98 0.637000637 5.008725 0.12718
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 2.629792 380.25823
FEE 31-Dec-95 0.637000637 3.744547 0.17011
FEE 31-Dec-96 0.637000637 4.054655 0.15710
FEE 31-Dec-97 0.637000637 4.913135 0.12965
FEE 31-Dec-98 0.637000637 6.007688 0.10603
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 379.63163 3796.3163
5.000
FORMULA: 1000*(1+T)= 3796.3163
= 3796.316282
T = 30.58%
R = 279.63%
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 4.486267 0.14199
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
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 7.402810 135.08384
FEE 31-Dec-90 0.637000637 7.845431 0.08119
FEE 31-Dec-91 0.637000637 8.146248 0.07820
FEE 31-Dec-92 0.637000637 8.273253 0.07700
FEE 31-Dec-93 0.637000637 8.346559 0.07632
FEE 31-Dec-94 0.637000637 8.512716 0.07483
FEE 31-Dec-95 0.637000637 8.827534 0.07216
FEE 31-Dec-96 0.637000637 9.109757 0.06993
FEE 31-Dec-97 0.637000637 9.412816 0.06767
FEE 31-Dec-98 0.637000637 9.719910 0.06554
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 134.35732 1343.5732
10.000
FORMULA: 1000*(1+T)= 1343.5732 - (0.85 * 1000 * 0)
= 1343.57315
T = 3.00%
R = 34.36%
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 5.407836 184.91686
FEE 31-Dec-90 0.637000637 3.886016 0.16392
FEE 31-Dec-91 0.637000637 6.053569 0.10523
FEE 31-Dec-92 0.637000637 7.039189 0.09049
FEE 31-Dec-93 0.637000637 8.582950 0.07422
FEE 31-Dec-94 0.637000637 8.241045 0.07730
FEE 31-Dec-95 0.637000637 9.281206 0.06863
FEE 31-Dec-96 0.637000637 10.203729 0.06243
FEE 31-Dec-97 0.637000637 11.207600 0.05684
FEE 31-Dec-98 0.637000637 10.322133 0.06171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 184.09240 1840.9240
10.000
FORMULA: 1000*(1+T)= 1840.9240 - (0.85 * 1000 * 0)
= 1840.923995
T = 6.29%
R = 84.09%
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 1.508981 662.69895
FEE 31-Dec-90 0.637000637 1.427873 0.44612
FEE 31-Dec-91 0.637000637 2.229850 0.28567
FEE 31-Dec-92 0.637000637 2.192832 0.29049
FEE 31-Dec-93 0.637000637 2.577431 0.24715
FEE 31-Dec-94 0.637000637 2.380203 0.26762
FEE 31-Dec-95 0.637000637 3.367990 0.18913
FEE 31-Dec-96 0.637000637 3.715345 0.17145
FEE 31-Dec-97 0.637000637 5.013618 0.12705
FEE 31-Dec-98 0.637000637 6.421757 0.09919
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 660.51137 6605.1137
10.000
FORMULA: 1000*(1+T)= 6605.1137 - (0.85 * 1000 * 0)
= 6605.113693
T = 20.78%
R = 560.51%
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 5.689112 175.77436
FEE 31-Dec-90 0.637000637 5.969013 0.10672
FEE 31-Dec-91 0.637000637 6.945471 0.09171
FEE 31-Dec-92 0.637000637 7.384051 0.08627
FEE 31-Dec-93 0.637000637 8.192234 0.07776
FEE 31-Dec-94 0.637000637 7.492129 0.08502
FEE 31-Dec-95 0.637000637 9.170700 0.06946
FEE 31-Dec-96 0.637000637 9.143702 0.06967
FEE 31-Dec-97 0.637000637 9.975714 0.06386
FEE 31-Dec-98 0.637000637 10.644116 0.05985
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 175.00036 1750.0036
10.000
FORMULA: 1000*(1+T)= 1750.0036 - (0.85 * 1000 * 0)
= 1750.003556
T = 5.76%
R = 75.00%
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 3.525816 283.62229
FEE 31-Dec-90 0.637000637 3.515389 0.18120
FEE 31-Dec-91 0.637000637 4.427193 0.14388
FEE 31-Dec-92 0.637000637 4.661480 0.13665
FEE 31-Dec-93 0.637000637 5.052709 0.12607
FEE 31-Dec-94 0.637000637 5.161155 0.12342
FEE 31-Dec-95 0.637000637 5.539280 0.11500
FEE 31-Dec-96 0.637000637 6.255383 0.10183
FEE 31-Dec-97 0.637000637 6.984611 0.09120
FEE 31-Dec-98 0.637000637 8.678736 0.07340
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 282.46593 2824.6593
10.000
FORMULA: 1000*(1+T)= 2824.6593 - (0.85 * 1000 * 0)
= 2824.659287
T = 10.94%
R = 182.47%
NLIC VAII DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 3.256552 0.19561
FEE 31-Dec-91 0.637000637 4.085075 0.15593
FEE 31-Dec-92 0.637000637 4.338422 0.14683
FEE 31-Dec-93 0.637000637 4.870839 0.13078
FEE 31-Dec-94 0.637000637 4.651785 0.13694
FEE 31-Dec-95 0.637000637 6.195392 0.10282
FEE 31-Dec-96 0.637000637 7.540016 0.08448
FEE 31-Dec-97 0.637000637 9.299161 0.06850
FEE 31-Dec-98 0.637000637 10.434182 0.06105
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII UTILITIES
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 3.325768 0.19153
FEE 31-Dec-91 0.637000637 3.936967 0.16180
FEE 31-Dec-92 0.637000637 4.354338 0.14629
FEE 31-Dec-93 0.637000637 4.946352 0.12878
FEE 31-Dec-94 0.637000637 4.422145 0.14405
FEE 31-Dec-95 0.637000637 5.581809 0.11412
FEE 31-Dec-96 0.637000637 5.955765 0.10696
FEE 31-Dec-97 0.637000637 7.435688 0.08567
FEE 31-Dec-98 0.637000637 9.035696 0.07050
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EUROPEAN GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 2.398007 0.26564
FEE 31-Dec-92 0.637000637 2.448531 0.26016
FEE 31-Dec-93 0.637000637 3.387172 0.18806
FEE 31-Dec-94 0.637000637 3.608713 0.17652
FEE 31-Dec-95 0.637000637 4.455067 0.14298
FEE 31-Dec-96 0.637000637 5.685747 0.11203
FEE 31-Dec-97 0.637000637 6.480581 0.09829
FEE 31-Dec-98 0.637000637 7.888040 0.08076
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 4.212596 0.15121
FEE 31-Dec-92 0.637000637 4.203837 0.15153
FEE 31-Dec-93 0.637000637 3.838979 0.16593
FEE 31-Dec-94 0.637000637 3.703219 0.17201
FEE 31-Dec-95 0.637000637 4.857085 0.13115
FEE 31-Dec-96 0.637000637 5.319173 0.11976
FEE 31-Dec-97 0.637000637 6.504476 0.09793
FEE 31-Dec-98 0.637000637 7.640500 0.08337
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII PACIFIC GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 10.655073 0.05978
FEE 31-Dec-95 0.637000637 11.171479 0.05702
FEE 31-Dec-96 0.637000637 11.394154 0.05591
FEE 31-Dec-97 0.637000637 6.969690 0.09140
FEE 31-Dec-98 0.637000637 6.131637 0.10389
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 5.273631 0.12079
FEE 31-Dec-95 0.637000637 6.330375 0.10063
FEE 31-Dec-96 0.637000637 7.308057 0.08716
FEE 31-Dec-97 0.637000637 8.039457 0.07923
FEE 31-Dec-98 0.637000637 8.883013 0.07171
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-95 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 9.386695 0.06786
FEE 31-Dec-98 0.637000637 9.512723 0.06696
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-95 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 6.204274 0.10267
FEE 31-Dec-98 0.637000637 7.285176 0.08744
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-95 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 7.593021 0.08389
FEE 31-Dec-98 0.637000637 8.114803 0.07850
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-95 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 7.117181 0.08950
FEE 31-Dec-97 0.637000637 7.027176 0.09065
FEE 31-Dec-98 0.637000637 5.217727 0.12208
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-95 0.637000637 2.697310 0.23616
FEE 31-Dec-96 0.637000637 3.096873 0.20569
FEE 31-Dec-97 0.637000637 3.670955 0.17352
FEE 31-Dec-98 0.637000637 4.970625 0.12815
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-95 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-96 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-97 0.637000637 12.032431 0.05294
FEE 31-Dec-98 0.637000637 10.311025 0.06178
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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 8.076785 0.07887
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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 8.508585 0.07487
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 1.605671 622.79257
FEE 31-Dec-90 0.637000637 1.543777 0.41262
FEE 31-Dec-91 0.637000637 2.213325 0.28780
FEE 31-Dec-92 0.637000637 2.397123 0.26574
FEE 31-Dec-93 0.637000637 2.792411 0.22812
FEE 31-Dec-94 0.637000637 2.768854 0.23006
FEE 31-Dec-95 0.637000637 3.822506 0.16664
FEE 31-Dec-96 0.637000637 4.237818 0.15031
FEE 31-Dec-97 0.637000637 5.261667 0.12106
FEE 31-Dec-98 0.637000637 6.429035 0.09908
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 620.76742 6207.6742
10.000
FORMULA: 1000*(1+T)= 6207.6742 - (0.85 * 1000 * 0)
= 6207.674245
T = 20.03%
R = 520.77%
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 3.245417 308.12686
FEE 31-Dec-90 0.637000637 3.247448 0.19615
FEE 31-Dec-91 0.637000637 3.793975 0.16790
FEE 31-Dec-92 0.637000637 4.086455 0.15588
FEE 31-Dec-93 0.637000637 4.582453 0.13901
FEE 31-Dec-94 0.637000637 4.512790 0.14115
FEE 31-Dec-95 0.637000637 6.054750 0.10521
FEE 31-Dec-96 0.637000637 7.244400 0.08793
FEE 31-Dec-97 0.637000637 8.826430 0.07217
FEE 31-Dec-98 0.637000637 10.012830 0.06362
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 306.93414 3069.3414
10.000
FORMULA: 1000*(1+T)= 3069.3414 - (0.85 * 1000 * 0)
= 3069.341389
T = 11.87%
R = 206.93%
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 5.546367 180.29819
1 FEE 09-Mar-85 0.637000637 5.752376 0.11074 0.06
2 FEE 09-Mar-86 0.637000637 6.081963 0.10474 0.05
3 FEE 09-Mar-87 0.637000637 6.335442 0.10055 0.05
4 09-Mar-88 0.637000637 6.625370 0.09615 0.04
5 09-Mar-89 0.637000637 7.001059 0.09099 0.03
6 09-Mar-90 0.637000637 7.487651 0.08507 0.02
7 09-Mar-91 0.637000637 7.914488 0.08049 0
8 09-Mar-92 0.637000637 8.180246 0.07787 0
9 09-Mar-93 0.637000637 8.288984 0.07685 0
10 09-Mar-94 0.637000637 8.360757 0.07619 0
11 09-Mar-95 0.637000637 8.568778 0.07434 0
12 09-Mar-96 0.637000637 8.882243 0.07172 0
13 09-Mar-97 0.637000637 9.161240 0.06953 0
14 FEE 09-Mar-98 0.637000637 9.471008 0.06726 0
15 FEE 09-Mar-99 0.637000637 9.769552 0.06520 0
RESULTING VALUE 31-Dec-99 10.000000 179.05053 1790.5053
15.811
FORMULA: 1000*(1+T)= 1790.5053
= 1790.505268
T = 3.75%
R = 79.05%
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 3.931751 254.33959
1 FEE 09-Mar-85 0.637000637 4.385883 0.14524 0.06
2 FEE 09-Mar-86 0.637000637 5.539179 0.11500 0.05
3 FEE 09-Mar-87 0.637000637 6.504697 0.09793 0.05
4 09-Mar-88 0.637000637 6.154712 0.10350 0.04
5 09-Mar-89 0.637000637 6.540206 0.09740 0.03
6 09-Mar-90 0.637000637 5.093240 0.12507 0.02
7 09-Mar-91 0.637000637 4.618108 0.13794 0
8 09-Mar-92 0.637000637 6.973822 0.09134 0
9 09-Mar-93 0.637000637 7.567990 0.08417 0
10 09-Mar-94 0.637000637 8.848898 0.07199 0
11 09-Mar-95 0.637000637 8.344445 0.07634 0
12 09-Mar-96 0.637000637 9.497240 0.06707 0
13 09-Mar-97 0.637000637 10.203594 0.06243 0
14 FEE 09-Mar-98 0.637000637 11.386159 0.05595 0
15 FEE 09-Mar-99 0.637000637 10.185358 0.06254 0
RESULTING VALUE 31-Dec-99 10.000000 252.94570 2529.4570
15.811
FORMULA: 1000*(1+T)= 2529.4570
= 2529.457006
T = 6.04%
R = 152.95%
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 0.866463 1154.11682
1 FEE 09-Mar-85 0.637000637 0.985603 0.64631 0.06
2 FEE 09-Mar-86 0.637000637 1.256051 0.50715 0.05
3 FEE 09-Mar-87 0.637000637 1.552414 0.41033 0.05
4 09-Mar-88 0.637000637 1.327130 0.47998 0.04
5 09-Mar-89 0.637000637 1.355563 0.46992 0.03
6 09-Mar-90 0.637000637 1.453733 0.43818 0.02
7 09-Mar-91 0.637000637 1.693561 0.37613 0
8 09-Mar-92 0.637000637 2.069592 0.30779 0
9 09-Mar-93 0.637000637 2.309593 0.27581 0
10 09-Mar-94 0.637000637 2.687844 0.23699 0
11 09-Mar-95 0.637000637 2.488503 0.25598 0
12 09-Mar-96 0.637000637 3.376012 0.18868 0
13 09-Mar-97 0.637000637 4.006184 0.15900 0
14 FEE 09-Mar-98 0.637000637 5.335846 0.11938 0
15 FEE 09-Mar-99 0.637000637 6.990574 0.09112 0
RESULTING VALUE 31-Dec-99 10.000000 1149.15406 11491.5406
15.811
FORMULA: 1000*(1+T)= 11491.5406
= 11491.54065
T = 16.70%
R = 1049.15%
NLIC VAII QUALITY INCOME
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0.637000637 5.057129 0.12596 0.06
2 FEE 01-Mar-89 0.637000637 5.134579 0.12406 0.05
3 FEE 01-Mar-90 0.637000637 5.552006 0.11473 0.05
4 01-Mar-91 0.637000637 6.106295 0.10432 0.04
5 01-Mar-92 0.637000637 6.877985 0.09261 0.03
6 01-Mar-93 0.637000637 7.769229 0.08199 0.02
7 01-Mar-94 0.637000637 8.008052 0.07955 0
8 01-Mar-95 0.637000637 7.880283 0.08083 0
9 01-Mar-96 0.637000637 8.956285 0.07112 0
10 01-Mar-97 0.637000637 9.158882 0.06955 0
11 01-Mar-98 0.637000637 10.049077 0.06339 0
12 01-Mar-99 0.637000637 10.324549 0.06170 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 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII STRATEGIST
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0.637000637 3.146050 0.20248 0.06
2 FEE 01-Mar-89 0.637000637 3.272553 0.19465 0.05
3 FEE 01-Mar-90 0.637000637 3.515698 0.18119 0.05
4 01-Mar-91 0.637000637 3.921393 0.16244 0.04
5 01-Mar-92 0.637000637 4.462588 0.14274 0.03
6 01-Mar-93 0.637000637 4.769325 0.13356 0.02
7 01-Mar-94 0.637000637 5.096032 0.12500 0
8 01-Mar-95 0.637000637 5.200039 0.12250 0
9 01-Mar-96 0.637000637 5.703853 0.11168 0
10 01-Mar-97 0.637000637 6.486946 0.09820 0
11 01-Mar-98 0.637000637 7.458480 0.08541 0
12 01-Mar-99 0.637000637 8.761912 0.07270 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 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.586760 278.80319
1 FEE 01-Mar-91 0.637000637 3.675389 0.17332 0.06
2 FEE 01-Mar-92 0.637000637 4.104065 0.15521 0.05
3 FEE 01-Mar-93 0.637000637 4.486063 0.14200 0.05
4 01-Mar-94 0.637000637 4.802235 0.13265 0.04
5 01-Mar-95 0.637000637 4.921384 0.12944 0.03
6 01-Mar-96 0.637000637 6.564154 0.09704 0.02
7 01-Mar-97 0.637000637 7.816030 0.08150 0
8 01-Mar-98 0.637000637 9.873215 0.06452 0
9 01-Mar-99 0.637000637 10.200711 0.06245 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 277.70138 2777.0138
9.834
FORMULA: 1000*(1+T)= 2777.0138
= 2777.013798
T = 10.94%
R = 177.70%
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 3.230948 309.50668
1 FEE 01-Mar-91 0.637000637 3.431366 0.18564 0.06
2 FEE 01-Mar-92 0.637000637 3.791607 0.16800 0.05
3 FEE 01-Mar-93 0.637000637 4.677445 0.13619 0.05
4 01-Mar-94 0.637000637 4.694011 0.13570 0.04
5 01-Mar-95 0.637000637 4.588970 0.13881 0.03
6 01-Mar-96 0.637000637 5.613523 0.11348 0.02
7 01-Mar-97 0.637000637 6.007856 0.10603 0
8 01-Mar-98 0.637000637 7.637466 0.08340 0
9 01-Mar-99 0.637000637 8.699101 0.07323 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 308.30250 3083.0250
9.834
FORMULA: 1000*(1+T)= 3083.0250
= 3083.025046
T = 12.13%
R = 208.30%
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 2.402730 416.19319
1 FEE 01-Mar-92 0.637000637 2.464549 0.25847 0.06
2 FEE 01-Mar-93 0.637000637 2.556977 0.24912 0.05
3 FEE 01-Mar-94 0.637000637 3.499777 0.18201 0.05
4 01-Mar-95 0.637000637 3.693234 0.17248 0.04
5 01-Mar-96 0.637000637 4.676669 0.13621 0.03
6 01-Mar-97 0.637000637 5.703145 0.11169 0.02
7 01-Mar-98 0.637000637 7.312793 0.08711 0
8 01-Mar-99 0.637000637 7.745747 0.08224 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 414.85016 4148.5016
8.835
FORMULA: 1000*(1+T)= 4148.5016
= 4148.501614
T = 17.47%
R = 314.85%
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 3.331017 300.20862
1 FEE 01-Mar-92 0.637000637 4.025166 0.15825 0.06
2 FEE 01-Mar-93 0.637000637 3.907628 0.16301 0.05
3 FEE 01-Mar-94 0.637000637 3.856754 0.16516 0.05
4 01-Mar-95 0.637000637 3.971050 0.16041 0.04
5 01-Mar-96 0.637000637 5.118592 0.12445 0.03
6 01-Mar-97 0.637000637 5.465910 0.11654 0.02
7 01-Mar-98 0.637000637 7.028185 0.09064 0
8 01-Mar-99 0.637000637 7.580203 0.08403 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 299.08242 2990.8242
8.835
FORMULA: 1000*(1+T)= 2990.8242
= 2990.824191
T = 13.20%
R = 199.08%
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 11.717545 85.34211
1 FEE 22-Feb-95 0.637000637 10.060773 0.06332 0.06
2 FEE 22-Feb-96 0.637000637 12.071178 0.05277 0.05
3 FEE 22-Feb-97 0.637000637 11.501403 0.05538 0.05
4 22-Feb-98 0.637000637 6.997360 0.09103 0.04
5 22-Feb-99 0.637000637 5.901608 0.10794 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 84.90797 849.0797
5.854
FORMULA: 1000*(1+T)= 849.0797
= 832.0796865
T = -3.09%
R = -16.79%
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 5.350851 186.88615
1 FEE 24-Feb-95 0.637000637 5.307508 0.12002 0.06
2 FEE 24-Feb-96 0.637000637 6.539682 0.09741 0.05
3 FEE 24-Feb-97 0.637000637 7.382304 0.08629 0.05
4 24-Feb-98 0.637000637 8.380994 0.07601 0.04
5 24-Feb-99 0.637000637 8.666398 0.07350 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 186.36923 1863.6923
5.848
FORMULA: 1000*(1+T)= 1863.6923
= 1846.692337
T = 11.06%
R = 84.67%
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 7.803229 128.15208
1 FEE 21-Jan-98 0.637000637 9.360881 0.06805 0.06
2 FEE 21-Jan-99 0.637000637 9.593940 0.06640 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 127.95393 1279.5393
2.940
FORMULA: 1000*(1+T)= 1279.5393
= 1237.039326
T = 7.50%
R = 23.70%
NLIC VAII EQUITY GROWTH
02-Jan-97
TO NO. YEARS 2.992
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 02-Jan-97 1000.00 4.736818 211.11216
1 FEE 02-Jan-98 0.637000637 6.189127 0.10292 0.06
2 FEE 02-Jan-99 0.637000637 7.251089 0.08785 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 210.85769 2108.5769
2.992
FORMULA: 1000*(1+T)= 2108.5769
= 2066.076929
T = 27.44%
R = 106.61%
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 7.187627 139.12798
1 FEE 02-Jan-98 0.637000637 7.621624 0.08358 0.06
2 FEE 02-Jan-99 0.637000637 8.230068 0.07740 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 138.90330 1389.0330
2.992
FORMULA: 1000*(1+T)= 1389.0330
= 1346.532981
T = 10.45%
R = 34.65%
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 7.305946 136.87481
1 FEE 01-Oct-97 0.637000637 8.687407 0.07332 0.06
2 FEE 01-Oct-98 0.637000637 4.413109 0.14434 0.05
3 FEE 01-Oct-99 0.637000637 6.709723 0.09494 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 136.49850 1364.9850
3.247
FORMULA: 1000*(1+T)= 1364.9850
= 1330.985037
T = 9.20%
R = 33.10%
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 2.321326 430.78827
1 FEE 03-Jul-96 0.637000637 3.137199 0.20305 0.06
2 FEE 03-Jul-97 0.637000637 3.420921 0.18621 0.05
3 FEE 03-Jul-98 0.637000637 4.471669 0.14245 0.05
4 03-Jul-99 0.637000637 6.165478 0.10332 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 430.08954 4300.8954
4.496
FORMULA: 1000*(1+T)= 4300.8954
= 4275.395434
T = 38.15%
R = 327.54%
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 10.332393 96.78300
1 FEE 04-Mar-98 0.637000637 11.747246 0.05423 0.06
2 FEE 04-Mar-99 0.637000637 9.926196 0.06417 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 96.60090 966.0090
2.825
FORMULA: 1000*(1+T)= 966.0090
= 923.509036
T = -2.78%
R = -7.65%
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 8.327416 120.08527
1 FEE 18-May-99 0.637000637 8.389113 0.07593 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 119.94564 1199.4564
1.621
FORMULA: 1000*(1+T)= 1199.4564
= 1156.956424
T = 9.41%
R = 15.70%
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 7.670143 130.37566
1 FEE 18-May-99 0.637000637 9.188117 0.06933 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 130.24263 1302.4263
1.621
FORMULA: 1000*(1+T)= 1302.4263
= 1259.926314
T = 15.32%
R = 25.99%
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 6.929115 144.31857
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 144.25487 1442.5487
0.663
FORMULA: 1000*(1+T)= 1442.5487
= 1391.548717
T = 64.66%
R = 39.15%
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 9.966981 100.33128
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 100.26758 1002.6758
0.663
FORMULA: 1000*(1+T)= 1002.6758
= 951.6758023
T = -7.20%
R = -4.83%
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 8.906846 112.27318
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 112.20948 1122.0948
0.465
FORMULA: 1000*(1+T)= 1122.0948
= 1071.094835
T = 15.90%
R = 7.11%
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 2.670407 374.47475
1 FEE 15-Sep-95 0.637000637 3.580216 0.17792 0.06
2 FEE 15-Sep-96 0.637000637 4.149368 0.15352 0.05
3 FEE 15-Sep-97 0.637000637 5.634713 0.11305 0.05
4 15-Sep-98 0.637000637 5.912503 0.10774 0.04
5 15-Sep-99 0.637000637 8.156108 0.07810 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 373.78073 3737.8073
5.292
FORMULA: 1000*(1+T)= 3737.8073
= 3720.80725
T = 28.18%
R = 272.08%
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 3.237135 308.91518
1 FEE 14-Jan-92 0.637000637 3.292116 0.19349 0.06
2 FEE 14-Jan-93 0.637000637 3.489141 0.18257 0.05
3 FEE 14-Jan-94 0.637000637 3.826966 0.16645 0.05
4 14-Jan-95 0.637000637 3.744342 0.17012 0.04
5 14-Jan-96 0.637000637 4.840950 0.13159 0.03
6 14-Jan-97 0.637000637 6.227435 0.10229 0.02
7 14-Jan-98 0.637000637 7.514188 0.08477 0
8 14-Jan-99 0.637000637 8.987364 0.07088 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 307.74932 3077.4932
8.961
FORMULA: 1000*(1+T)= 3077.4932
= 3077.49319
T = 13.37%
R = 207.75%
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 2.989304 334.52601
1 FEE 05-May-94 0.637000637 3.518963 0.18102 0.06
2 FEE 05-May-95 0.637000637 3.916599 0.16264 0.05
3 FEE 05-May-96 0.637000637 5.290656 0.12040 0.05
4 05-May-97 0.637000637 5.537065 0.11504 0.04
5 05-May-98 0.637000637 6.977159 0.09130 0.03
6 05-May-99 0.637000637 7.208899 0.08836 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 333.70355 3337.0355
6.656
FORMULA: 1000*(1+T)= 3337.0355
= 3337.035468
T = 19.85%
R = 233.70%
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 3.014276 331.75462
1 FEE 05-May-94 0.637000637 3.161605 0.20148 0.06
2 FEE 05-May-95 0.637000637 3.528173 0.18055 0.05
3 FEE 05-May-96 0.637000637 4.447772 0.14322 0.05
4 05-May-97 0.637000637 5.227981 0.12184 0.04
5 05-May-98 0.637000637 7.027376 0.09065 0.03
6 05-May-99 0.637000637 8.007990 0.07955 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 330.87364 3308.7364
6.656
FORMULA: 1000*(1+T)= 3308.7364
= 3308.736376
T = 19.70%
R = 230.87%
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 2.930655 341.22067
1 FEE 05-May-94 0.637000637 3.398993 0.18741 0.06
2 FEE 05-May-95 0.637000637 3.836388 0.16604 0.05
3 FEE 05-May-96 0.637000637 4.614287 0.13805 0.05
4 05-May-97 0.637000637 5.542388 0.11493 0.04
5 05-May-98 0.637000637 7.116735 0.08951 0.03
6 05-May-99 0.637000637 8.501819 0.07493 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 340.38610 3403.8610
6.656
FORMULA: 1000*(1+T)= 3403.8610
= 3403.861035
T = 20.21%
R = 240.39%
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 4.777763 209.30297
1 FEE 02-Jan-98 0.637000637 5.473466 0.11638 0.06
2 FEE 02-Jan-99 0.637000637 6.347884 0.10035 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 209.02254 2090.2254
2.992
FORMULA: 1000*(1+T)= 2090.2254
= 2047.725444
T = 27.06%
R = 104.77%
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 1.220705 819.19869
1 FEE 01-Feb-89 0.637000637 1.310568 0.48605 0.06
2 FEE 01-Feb-90 0.637000637 1.425447 0.44688 0.05
3 FEE 01-Feb-91 0.637000637 1.644147 0.38744 0.05
4 01-Feb-92 0.637000637 2.214724 0.28762 0.04
5 01-Feb-93 0.637000637 2.414355 0.26384 0.03
6 01-Feb-94 0.637000637 2.847525 0.22370 0.02
7 01-Feb-95 0.637000637 2.791686 0.22818 0
8 01-Feb-96 0.637000637 3.885044 0.16396 0
9 01-Feb-97 0.637000637 4.420958 0.14409 0
10 01-Feb-98 0.637000637 5.242526 0.12151 0
11 01-Feb-99 0.637000637 6.715864 0.09485 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 816.28688 8162.8688
11.912
FORMULA: 1000*(1+T)= 8162.8688
= 8162.8688
T = 19.27%
R = 716.29%
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 2.311099 432.69465
1 FEE 01-Feb-89 0.637000637 2.866843 0.22220 0.06
2 FEE 01-Feb-90 0.637000637 3.114420 0.20453 0.05
3 FEE 01-Feb-91 0.637000637 3.364488 0.18933 0.05
4 01-Feb-92 0.637000637 3.805232 0.16740 0.04
5 01-Feb-93 0.637000637 4.136074 0.15401 0.03
6 01-Feb-94 0.637000637 4.703898 0.13542 0.02
7 01-Feb-95 0.637000637 4.617725 0.13795 0
8 01-Feb-96 0.637000637 6.202484 0.10270 0
9 01-Feb-97 0.637000637 7.539127 0.08449 0
10 01-Feb-98 0.637000637 8.843492 0.07203 0
11 01-Feb-99 0.637000637 10.065053 0.06329 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 431.09760 4310.9760
11.912
FORMULA: 1000*(1+T)= 4310.9760
= 4310.976022
T = 13.05%
R = 331.10%
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 5.466630 182.92805
1 FEE 02-Jan-98 0.637000637 7.549310 0.08438 0.06
2 FEE 02-Jan-99 0.637000637 8.384258 0.07598 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 182.70399 1827.0399
2.992
FORMULA: 1000*(1+T)= 1827.0399
= 1784.539945
T = 21.35%
R = 78.45%
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 7.204822 138.79594
1 FEE 01-May-99 0.637000637 6.893625 0.09240 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 138.63983 1386.3983
1.667
FORMULA: 1000*(1+T)= 1386.3983
= 1343.898343
T = 19.40%
R = 34.39%
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 10.000866 99.99134
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 99.92764 999.2764
0.005
FORMULA: 1000*(1+T)= 999.2764
= 948.2764259
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 4.489889 222.72265
1 FEE 02-Jan-98 0.637000637 4.426022 0.14392 0.06
2 FEE 02-Jan-99 0.637000637 5.008725 0.12718 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 222.38785 2223.8785
2.992
FORMULA: 1000*(1+T)= 2223.8785
= 2181.378543
T = 29.78%
R = 118.14%
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 2.458641 406.72879
1 FEE 02-May-95 0.637000637 2.813641 0.22640 0.06
2 FEE 02-May-96 0.637000637 4.284974 0.14866 0.05
3 FEE 02-May-97 0.637000637 3.965689 0.16063 0.05
4 02-May-98 0.637000637 5.689061 0.11197 0.04
5 02-May-99 0.637000637 6.386168 0.09975 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 405.91769 4059.1769
5.665
FORMULA: 1000*(1+T)= 4059.1769
= 4042.176858
T = 27.96%
R = 304.22%
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 4.497101 222.36549
1 FEE 30-Apr-99 0.637000637 5.051936 0.12609 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 222.17569 2221.7569
1.670
FORMULA: 1000*(1+T)= 2221.7569
= 2179.25695
T = 59.43%
R = 117.93%
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
NLIC VAII HIGH YIELD
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 10.308724 97.00521
FEE 31-Dec-99 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 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 0.637001 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 0.637001 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 0.637001 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 0.637001 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 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 0.637001 9.233011 0.06899
FEE 31-Dec-96 0.637001 10.164015 0.06267
FEE 31-Dec-97 0.637001 11.178496 0.05698
FEE 31-Dec-98 0.637001 10.308724 0.06179
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 121.82083 1218.2083
5.000
FORMULA: 1000*(1+T)= 1218.2083
= 1218.2083
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 0.637001 3.350516 0.19012
FEE 31-Dec-96 0.637001 3.700905 0.17212
FEE 31-Dec-97 0.637001 5.000621 0.12738
FEE 31-Dec-98 0.637001 6.413433 0.09932
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 422.21655 4222.1655
5.000
FORMULA: 1000*(1+T)= 4222.1655
= 4222.1655
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 0.637001 9.123073 0.06982
FEE 31-Dec-96 0.637001 9.108114 0.06994
FEE 31-Dec-97 0.637001 9.949810 0.06402
FEE 31-Dec-98 0.637001 10.630282 0.05992
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 134.01623 1340.1623
5.000
FORMULA: 1000*(1+T)= 1340.1623
= 1340.1623
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 0.637001 5.510531 0.11560
FEE 31-Dec-96 0.637001 6.231054 0.10223
FEE 31-Dec-97 0.637001 6.966491 0.09144
FEE 31-Dec-98 0.637001 8.667469 0.07349
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 194.57138 1945.7138
5.000
FORMULA: 1000*(1+T)= 1945.7138
= 1945.7138
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 0.637001 6.163235 0.10335
FEE 31-Dec-96 0.637001 7.510684 0.08481
FEE 31-Dec-97 0.637001 9.275022 0.06868
FEE 31-Dec-98 0.637001 10.420626 0.06113
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 215.99040 2159.9040
5.000
FORMULA: 1000*(1+T)= 2159.9040
= 2159.904
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 0.637001 5.552837 0.11472
FEE 31-Dec-96 0.637001 5.932601 0.10737
FEE 31-Dec-97 0.637001 7.416393 0.08589
FEE 31-Dec-98 0.637001 9.023963 0.07059
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 227.16608 2271.6608
5.000
FORMULA: 1000*(1+T)= 2271.6608
= 2271.6608
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 0.637001 4.431955 0.14373
FEE 31-Dec-96 0.637001 5.663643 0.11247
FEE 31-Dec-97 0.637001 6.463779 0.09855
FEE 31-Dec-98 0.637001 7.877807 0.08086
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 278.41299 2784.1299
5.000
FORMULA: 1000*(1+T)= 2784.1299
= 2784.1299
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 0.637001 4.831879 0.13183
FEE 31-Dec-96 0.637001 5.298489 0.12022
FEE 31-Dec-97 0.637001 6.487605 0.09819
FEE 31-Dec-98 0.637001 7.630590 0.08348
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 271.29744 2712.9744
5.000
FORMULA: 1000*(1+T)= 2712.9744
= 2712.9744
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 0.637001 11.113432 0.05732
FEE 31-Dec-96 0.637001 11.349782 0.05612
FEE 31-Dec-97 0.637001 6.951598 0.09163
FEE 31-Dec-98 0.637001 6.123688 0.10402
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 94.09150 940.9150
5.000
FORMULA: 1000*(1+T)= 940.9150
= 940.91504
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 0.637001 6.297513 0.10115
FEE 31-Dec-96 0.637001 7.279625 0.08750
FEE 31-Dec-97 0.637001 8.018593 0.07944
FEE 31-Dec-98 0.637001 8.871480 0.07180
FEE 31-Dec-99 0.637001 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 190.45501 1904.5501
5.000
FORMULA: 1000*(1+T)= 1904.5501
= 1904.5501
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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 9.362326 0.06804
FEE 31-Dec-98 0.637001 9.500367 0.06705
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 6.188183 0.10294
FEE 31-Dec-98 0.637001 7.275725 0.08755
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 7.573321 0.08411
FEE 31-Dec-98 0.637001 8.104270 0.07860
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 7.089496 0.08985
FEE 31-Dec-97 0.637001 7.008947 0.09088
FEE 31-Dec-98 0.637001 5.210971 0.12224
FEE 31-Dec-99 0.637001 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 0.637001 2.683315 0.23739
FEE 31-Dec-96 0.637001 3.084836 0.20649
FEE 31-Dec-97 0.637001 3.661442 0.17398
FEE 31-Dec-98 0.637001 4.964186 0.12832
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 12.001172 0.05308
FEE 31-Dec-98 0.637001 10.297629 0.06186
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 #VALUE! #VALUE!
FEE 31-Dec-98 0.637001 8.066303 0.07897
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 #VALUE! #VALUE!
FEE 31-Dec-98 0.637001 8.497540 0.07496
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 #VALUE! #VALUE!
FEE 31-Dec-98 0.637001 #VALUE! #VALUE!
FEE 31-Dec-99 0.637001 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 0.637001 #VALUE! #VALUE!
FEE 31-Dec-96 0.637001 #VALUE! #VALUE!
FEE 31-Dec-97 0.637001 #VALUE! #VALUE!
FEE 31-Dec-98 0.637001 #VALUE! #VALUE!
FEE 31-Dec-99 0.637001 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 HIGH YIELD
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 5.587493 178.97115
1 FEE 24-Sep-92 0.637001 7.112602 0.08956 0.06
2 FEE 24-Sep-93 0.637001 8.113526 0.07851 0.05
3 FEE 24-Sep-94 0.637001 8.204420 0.07764 0.05
4 24-Sep-95 0.637001 9.048024 0.07040 0.04
5 24-Sep-96 0.637001 9.831204 0.06479 0.03
6 24-Sep-97 0.637001 11.016975 0.05782 0.02
7 24-Sep-98 0.637001 10.389688 0.06131 0
8 24-Sep-99 0.637001 10.108272 0.06302 0
9 31-Dec-99 0.637001 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 178.34440 1783.4440
8.268
FORMULA: 1000*(1+T)= 1783.4440
= 1783.444
T = 7.25%
R = 78.34%
NLIC VAII EQUITY
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 1.927385 518.83765
1 FEE 24-Sep-92 0.637001 1.968175 0.32365 0.06
2 FEE 24-Sep-93 0.637001 2.625963 0.24258 0.05
3 FEE 24-Sep-94 0.637001 2.397573 0.26569 0.05
4 24-Sep-95 0.637001 3.223209 0.19763 0.04
5 24-Sep-96 0.637001 3.539472 0.17997 0.03
6 24-Sep-97 0.637001 4.950552 0.12867 0.02
7 24-Sep-98 0.637001 5.463747 0.11659 0
8 24-Sep-99 0.637001 7.220643 0.08822 0
9 31-Dec-99 0.637001 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 517.23095 5172.3095
8.268
FORMULA: 1000*(1+T)= 5172.3095
= 5172.3095
T = 21.99%
R = 417.23%
NLIC VAII QUALITY INCOME
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 6.510233 153.60434
1 FEE 24-Sep-92 0.637001 7.290574 0.08737 0.06
2 FEE 24-Sep-93 0.637001 8.233891 0.07736 0.05
3 FEE 24-Sep-94 0.637001 7.471574 0.08526 0.05
4 24-Sep-95 0.637001 8.593658 0.07412 0.04
5 24-Sep-96 0.637001 8.794253 0.07243 0.03
6 24-Sep-97 0.637001 9.694471 0.06571 0.02
7 24-Sep-98 0.637001 10.525730 0.06052 0
8 24-Sep-99 0.637001 10.168738 0.06264 0
9 31-Dec-99 0.637001 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 152.95522 1529.5522
8.268
FORMULA: 1000*(1+T)= 1529.5522
= 1529.5522
T = 5.27%
R = 52.96%
NLIC VAII STRATEGIST
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 4.111462 243.22249
1 FEE 24-Sep-92 0.637001 4.542435 0.14023 0.06
2 FEE 24-Sep-93 0.637001 4.901459 0.12996 0.05
3 FEE 24-Sep-94 0.637001 5.095925 0.12500 0.05
4 24-Sep-95 0.637001 5.321198 0.11971 0.04
5 24-Sep-96 0.637001 5.915264 0.10769 0.03
6 24-Sep-97 0.637001 7.143458 0.08917 0.02
7 24-Sep-98 0.637001 7.556280 0.08430 0
8 24-Sep-99 0.637001 9.070302 0.07023 0
9 31-Dec-99 0.637001 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 242.29250 2422.9250
8.268
FORMULA: 1000*(1+T)= 2422.9250
= 2422.925
T = 11.30%
R = 142.29%
NLIC VAII DIVIDEND GROWTH
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 3.820803 261.72510
1 FEE 24-Sep-92 0.637001 4.214681 0.15114 0.06
2 FEE 24-Sep-93 0.637001 4.662259 0.13663 0.05
3 FEE 24-Sep-94 0.637001 4.690679 0.13580 0.05
4 24-Sep-95 0.637001 5.768334 0.11043 0.04
5 24-Sep-96 0.637001 6.938915 0.09180 0.03
6 24-Sep-97 0.637001 9.208265 0.06918 0.02
7 24-Sep-98 0.637001 9.413391 0.06767 0
8 24-Sep-99 0.637001 10.016635 0.06359 0
9 31-Dec-99 0.637001 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 260.83516 2608.3516
8.268
FORMULA: 1000*(1+T)= 2608.3516
= 2608.3516
T = 12.29%
R = 160.84%
NLIC VAII UTILITIES
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 3.564251 280.56385
1 FEE 24-Sep-92 0.637001 4.097708 0.15545 0.06
2 FEE 24-Sep-93 0.637001 5.096384 0.12499 0.05
3 FEE 24-Sep-94 0.637001 4.396264 0.14490 0.05
4 24-Sep-95 0.637001 5.175147 0.12309 0.04
5 24-Sep-96 0.637001 5.554712 0.11468 0.03
6 24-Sep-97 0.637001 6.596469 0.09657 0.02
7 24-Sep-98 0.637001 8.043984 0.07919 0
8 24-Sep-99 0.637001 8.955875 0.07113 0
9 31-Dec-99 0.637001 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 279.59016 2795.9016
8.268
FORMULA: 1000*(1+T)= 2795.9016
= 2795.9016
T = 13.24%
R = 179.59%
NLIC VAII EUROPEAN GROWTH
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 2.324441 430.21105
1 FEE 24-Sep-92 0.637001 2.418363 0.26340 0.06
2 FEE 24-Sep-93 0.637001 2.990427 0.21301 0.05
3 FEE 24-Sep-94 0.637001 3.600150 0.17694 0.05
4 24-Sep-95 0.637001 4.327775 0.14719 0.04
5 24-Sep-96 0.637001 5.108874 0.12469 0.03
6 24-Sep-97 0.637001 6.501055 0.09798 0.02
7 24-Sep-98 0.637001 6.900485 0.09231 0
8 24-Sep-99 0.637001 7.858965 0.08105 0
9 31-Dec-99 0.637001 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 428.95078 4289.5078
8.268
FORMULA: 1000*(1+T)= 4289.5078
= 4289.5078
T = 19.26%
R = 328.95%
NLIC VAII CAPITAL GROWTH
24-Sep-91
TO NO. YEARS 8.268
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Sep-91 1000.00 3.591997 278.39670
1 FEE 24-Sep-92 0.637001 3.796823 0.16777 0.06
2 FEE 24-Sep-93 0.637001 3.622930 0.17582 0.05
3 FEE 24-Sep-94 0.637001 3.700287 0.17215 0.05
4 24-Sep-95 0.637001 4.429806 0.14380 0.04
5 24-Sep-96 0.637001 5.271515 0.12084 0.03
6 24-Sep-97 0.637001 6.916400 0.09210 0.02
7 24-Sep-98 0.637001 6.581107 0.09679 0
8 24-Sep-99 0.637001 7.835846 0.08129 0
9 31-Dec-99 0.637001 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 277.28243 2772.8243
8.268
FORMULA: 1000*(1+T)= 2772.8243
= 2772.8243
T = 13.13%
R = 177.28%
NLIC VAII PACIFIC GROWTH
23-Feb-94
TO NO. YEARS 5.851
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 23-Feb-94 1000.00 11.628117 85.99845
1 FEE 23-Feb-95 0.637001 9.985468 0.06379 0.06
2 FEE 23-Feb-96 0.637001 11.998812 0.05309 0.05
3 FEE 23-Feb-97 0.637001 11.458736 0.05559 0.05
4 23-Feb-98 0.637001 6.968155 0.09142 0.04
5 23-Feb-99 0.637001 5.918519 0.10763 0.03
6 31-Dec-99 0.637001 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 85.56323 855.6323
5.851
FORMULA: 1000*(1+T)= 855.6323
= 838.63232
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 0.637001 5.274171 0.12078 0.06
2 FEE 24-Feb-96 0.637001 6.507028 0.09789 0.05
3 FEE 24-Feb-97 0.637001 7.355022 0.08661 0.05
4 24-Feb-98 0.637001 8.360878 0.07619 0.04
5 24-Feb-99 0.637001 8.656842 0.07358 0.03
6 31-Dec-99 0.637001 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
= 1860.933
T = 11.20%
R = 86.09%
NLIC VAII INCOME BUILDER
24-Feb-97
TO NO. YEARS 2.847
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 24-Feb-97 1000.00 7.900863 126.56845
1 FEE 24-Feb-98 0.637001 9.584574 0.06646 0.06
2 FEE 24-Feb-99 0.637001 9.285886 0.06860 0.05
3 FEE 31-Dec-99 0.637001 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 126.36969 1263.6969
2.847
FORMULA: 1000*(1+T)= 1263.6969
= 1221.1969
T = 7.27%
R = 22.12%
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%
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 0.637001 8.382339 0.07599 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 120.19885 1201.9885
1.621
FORMULA: 1000*(1+T)= 1201.9885
= 1159.4885
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 0.637001 9.180691 0.06938 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 130.51754 1305.1754
1.621
FORMULA: 1000*(1+T)= 1305.1754
= 1262.6754
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 0.637001 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
= 1392.7908
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 0.637001 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
= 952.54094
T = -7.08%
R = -4.75%
<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
High Yield 09/24/91 5.587492611 N/A 8.187663096 10.16401508 11.17849608
Equity 09/24/91 1.9273852 N/A 2.364797432 3.700904579 5.000621134
Quality Income 09/24/91 6.510232679 N/A 7.443597657 9.108113837 9.949809706
Managed Assets 09/24/91 4.11146184 N/A 5.127736118 6.23105441 6.966490736
Dividend Growth 09/24/91 3.820802846 N/A 4.621668451 7.51068436 9.275021716
Utilities 09/24/91 3.564251054 N/A 4.393511961 5.932601355 7.416392819
European Growth 09/24/91 2.324440504 N/A 3.585356369 5.663642598 6.463779242
Capital Growth 09/24/91 3.591996577 N/A 3.679245404 5.29848862 6.487605372
Pacific Growth 02/23/94 11.62811676 N/A 10.58600938 11.34978178 6.951598348
Global Div Growth 02/24/94 5.310334664 N/A 5.239480716 7.279624519 8.018592868
Income Builder 02/24/97 7.900863244 N/A N/A N/A 9.362325517
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
Competitive Edge 05/18/98 8.309889225 N/A N/A N/A N/A
S&P 500 Index 05/18/98 7.654000752 N/A N/A N/A N/A
Aggressive Equity 05/03/99 6.923156743 N/A N/A N/A N/A
Short Term Bond 05/03/99 9.958394384 N/A N/A N/A N/A
One Yr YTD 3 Months Today's Inception Ten Years
Fund AUV AUV AUV AUV Total Average Total
High Yield 10.30872447 10.30872447 9.99303404 10 78.97% 7.29% N/A
Equity 6.413433239 6.413433239 7.245085641 10 418.84% 22.02% N/A
Quality Income 10.6302821 10.6302821 10.10238104 10 53.60% 5.32% N/A
Managed Assets 8.667468963 8.667468963 9.112238142 10 143.22% 11.34% N/A
Dividend Growth 10.42062602 10.42062602 10.03303564 10 161.73% 12.33% N/A
Utilities 9.023962767 9.023962767 9.050062714 10 180.56% 13.28% N/A
European Growth 7.877806587 7.877806587 8.022732264 10 330.21% 19.29% N/A
Capital Growth 7.630589622 7.630589622 7.867518764 10 178.40% 13.17% N/A
Pacific Growth 6.123688208 6.123688208 8.266395286 10 -14.00% -2.54% N/A
Global Div Growth 8.871480366 8.871480366 9.532644521 10 88.31% 11.42% N/A
Income Builder 9.500367372 9.500367372 9.500672862 10 26.57% 8.62% N/A
Equity Growth 7.275724614 7.275724614 8.23891415 10 38.77% 20.03% N/A
International Magnum 8.104270475 8.104270475 8.951639302 10 20.27% 10.83% N/A
Emerging Markets 5.210970572 5.210970572 6.715082355 10 35.48% 18.44% N/A
Emerging Growth 4.964185657 4.964185657 6.250218811 10 141.49% 63.44% N/A
Real Estate 10.2976286 10.2976286 10.13752825 10 -14.11% -8.95% N/A
Competitive Edge 8.066302833 8.066302833 8.467816285 10 20.34% 12.09% N/A
S&P 500 Index 8.497539919 8.497539919 8.756675469 10 30.65% 17.92% N/A
Aggressive Equity N/A 10 7.127109182 10 44.44% 74.13% N/A
Short Term Bond N/A 10 9.980936116 10 0.42% 0.63% N/A
Five Years Three Years Two Years
Fund Average Total Average Total Average Total
High Yield N/A 22.13% 4.08% -1.61% -0.54% -10.54%
Equity N/A 322.87% 33.43% 170.20% 39.28% 99.98%
Quality Income N/A 34.34% 6.08% 9.79% 3.16% 0.50%
Managed Assets N/A 95.02% 14.29% 60.49% 17.08% 43.54%
Dividend Growth N/A 116.37% 16.69% 33.14% 10.01% 7.82%
Utilities N/A 127.61% 17.88% 68.56% 19.01% 34.84%
European Growth N/A 178.91% 22.77% 76.56% 20.87% 54.71%
Capital Growth N/A 171.79% 22.14% 88.73% 23.58% 54.14%
Pacific Growth N/A -5.54% -1.13% -11.89% -4.13% 43.85%
Global Div Growth N/A 90.86% 13.80% 37.37% 11.16% 24.71%
Income Builder N/A N/A N/A N/A N/A 6.81%
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
Competitive Edge N/A N/A N/A N/A N/A N/A
S&P 500 Index N/A N/A N/A N/A N/A N/A
Aggressive Equity N/A N/A N/A N/A N/A N/A
Short Term Bond N/A N/A N/A N/A N/A N/A
One Year YTD Three Months
Fund Average
High Yield -5.42% -2.99% -2.99% 0.07%
Equity 41.41% 55.92% 55.92% 38.02%
Quality Income 0.25% -5.93% -5.93% -1.01%
Managed Assets 19.81% 15.37% 15.37% 9.74%
Dividend Growth 3.83% -4.04% -4.04% -0.33%
Utilities 16.12% 10.82% 10.82% 10.50%
European Growth 24.38% 26.94% 26.94% 24.65%
Capital Growth 24.15% 31.05% 31.05% 27.10%
Pacific Growth 19.94% 63.30% 63.30% 20.97%
Global Div Growth 11.67% 12.72% 12.72% 4.90%
Income Builder 3.35% 5.26% 5.26% 5.26%
Equity Growth N/A 37.44% 37.44% 21.38%
International MagnumN/A 23.39% 23.39% 11.71%
Emerging Markets N/A 91.90% 91.90% 48.92%
Emerging Growth N/A 101.44% 101.44% 59.99%
Real Estate N/A -2.89% -2.89% -1.36%
Competitive Edge N/A 23.97% 23.97% 18.09%
S&P 500 Index N/A 17.68% 17.68% 14.20%
Aggressive Equity N/A N/A 0.00% 40.31%
Short Term Bond N/A N/A 0.00% 0.19%
<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%
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 7.013083 142.59064
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 142.52694 1425.2694
1.000
FORMULA: 1000*(1+T)= 1425.2694 - (0.85 * 1000 * 0.01)
= 1416.7694
T = 41.68%
R = 41.68%
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 5.002272 199.90916
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 199.84546 1998.4546
1.000
FORMULA: 1000*(1+T)= 1998.4546 - (0.85 * 1000 * 0.01)
= 1989.9546
T = 99.00%
R = 99.00%
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 5.999908 166.66923
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 166.60553 1666.0553
1.000
FORMULA: 1000*(1+T)= 1666.0553 - (0.85 * 1000 * 0.01)
= 1657.5553
T = 65.76%
R = 65.76%
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 4.480444 223.19217
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 223.12847 2231.2847
1.000
FORMULA: 1000*(1+T)= 2231.2847 - (0.85 * 1000 * 0.01)
= 2222.7847
T = 122.28%
R = 122.28%
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
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 7.013083 0.09083
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 4.397339 0.14486
FEE 31-Dec-98 0.637000637 5.002272 0.12734
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 2.612769 382.73569
FEE 31-Dec-95 0.637000637 3.725143 0.17100
FEE 31-Dec-96 0.637000637 4.038895 0.15772
FEE 31-Dec-97 0.637000637 4.900402 0.12999
FEE 31-Dec-98 0.637000637 5.999908 0.10617
FEE 31-Dec-99 0.637000637 10.000000 0.06370
RESULTING VALUE 31-Dec-99 10.000000 382.10712 3821.0712
5.000
FORMULA: 1000*(1+T)= 3821.0712
= 3821.071195
T = 30.75%
R = 282.11%
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 4.480444 0.14217
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
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%
NLIC VAII DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 3.218695 0.19791
FEE 31-Dec-91 0.637000637 4.042835 0.15756
FEE 31-Dec-92 0.637000637 4.299146 0.14817
FEE 31-Dec-93 0.637000637 4.833016 0.13180
FEE 31-Dec-94 0.637000637 4.621668 0.13783
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 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII UTILITIES
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 3.287100 0.19379
FEE 31-Dec-91 0.637000637 3.896252 0.16349
FEE 31-Dec-92 0.637000637 4.314911 0.14763
FEE 31-Dec-93 0.637000637 4.907937 0.12979
FEE 31-Dec-94 0.637000637 4.393512 0.14499
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 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EUROPEAN GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 2.373215 0.26841
FEE 31-Dec-92 0.637000637 2.426369 0.26253
FEE 31-Dec-93 0.637000637 3.360878 0.18953
FEE 31-Dec-94 0.637000637 3.585356 0.17767
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 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII CAPITAL GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 4.169031 0.15279
FEE 31-Dec-92 0.637000637 4.165775 0.15291
FEE 31-Dec-93 0.637000637 3.809172 0.16723
FEE 31-Dec-94 0.637000637 3.679245 0.17313
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 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII PACIFIC GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 10.586009 0.06017
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 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII GLOBAL DIVIDEND GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 5.239481 0.12158
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 #VALUE! #VALUE!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INCOME BUILDER
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EQUITY GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII INTERNATIONAL MAGNUM
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING MARKETS
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII EMERGING GROWTH
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII REAL ESTATE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII COMPETITIVE EDGE
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII S&P 500 INDEX
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII AGGRESSIVE EQUITY
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
NLIC VAII SHORT TERM BOND
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 31-Dec-89 1000.00 #VALUE! #VALUE!
FEE 31-Dec-90 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-91 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-92 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-93 0.637000637 #VALUE! #VALUE!
FEE 31-Dec-94 0.637000637 #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!
10.000
FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0)
= #VALUE!
T = N/A
R = N/A
Putnam Voyager
30-Dec-89
TO NO. YEARS 10.000
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE
INIT DEPOSIT 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%
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
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0.637000637 4.979940 0.12791 0.06
2 FEE 01-Mar-89 0.637000637 5.062771 0.12582 0.05
3 FEE 01-Mar-90 0.637000637 5.481481 0.11621 0.05
4 01-Mar-91 0.637000637 6.036570 0.10552 0.04
5 01-Mar-92 0.637000637 6.808261 0.09356 0.03
6 01-Mar-93 0.637000637 7.700502 0.08272 0.02
7 01-Mar-94 0.637000637 7.947534 0.08015 0
8 01-Mar-95 0.637000637 7.830908 0.08134 0
9 01-Mar-96 0.637000637 8.911768 0.07148 0
10 01-Mar-97 0.637000637 9.125152 0.06981 0
11 01-Mar-98 0.637000637 10.025052 0.06354 0
12 01-Mar-99 0.637000637 10.313337 0.06176 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 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII STRATEGIST
01-Mar-87
TO NO. YEARS 12.835
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-87 1000.00 #VALUE! #VALUE!
1 FEE 01-Mar-88 0.637000637 3.098044 0.20561 0.06
2 FEE 01-Mar-89 0.637000637 3.226799 0.19741 0.05
3 FEE 01-Mar-90 0.637000637 3.471052 0.18352 0.05
4 01-Mar-91 0.637000637 3.876628 0.16432 0.04
5 01-Mar-92 0.637000637 4.417364 0.14420 0.03
6 01-Mar-93 0.637000637 4.727151 0.13475 0.02
7 01-Mar-94 0.637000637 5.057538 0.12595 0
8 01-Mar-95 0.637000637 5.167472 0.12327 0
9 01-Mar-96 0.637000637 5.675519 0.11224 0
10 01-Mar-97 0.637000637 6.463074 0.09856 0
11 01-Mar-98 0.637000637 7.440663 0.08561 0
12 01-Mar-99 0.637000637 8.752404 0.07278 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 #VALUE! #VALUE!
12.835
FORMULA: 1000*(1+T)= #VALUE!
= #VALUE!
T = #VALUE!
R = #VALUE!
NLIC VAII DIVIDEND GROWTH
01-Mar-90
TO NO. YEARS 9.834
31-Dec-99
TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES
0 INIT DEPOSIT 01-Mar-90 1000.00 3.541217 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%
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 7.189225 139.09705
1 FEE 01-May-99 0.637000637 6.887624 0.09248 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 138.94086 1389.4086
1.667
FORMULA: 1000*(1+T)= 1389.4086
= 1346.908606
T = 19.56%
R = 34.69%
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 10.000795 99.99205
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 99.92835 999.2835
0.005
FORMULA: 1000*(1+T)= 999.2835
= 948.2835489
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 4.472495 223.58886
1 FEE 02-Jan-98 0.637000637 4.414613 0.14429 0.06
2 FEE 02-Jan-99 0.637000637 5.002272 0.12734 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 223.25353 2232.5353
2.992
FORMULA: 1000*(1+T)= 2232.5353
= 2190.035255
T = 29.95%
R = 119.00%
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 2.440613 409.73308
1 FEE 02-May-95 0.637000637 2.796643 0.22777 0.06
2 FEE 02-May-96 0.637000637 4.264630 0.14937 0.05
3 FEE 02-May-97 0.637000637 3.951994 0.16118 0.05
4 02-May-98 0.637000637 5.676760 0.11221 0.04
5 02-May-99 0.637000637 6.380619 0.09983 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 408.91901 4089.1901
5.665
FORMULA: 1000*(1+T)= 4089.1901
= 4072.190114
T = 28.13%
R = 307.22%
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 4.487348 222.84880
1 FEE 30-Apr-99 0.637000637 5.047532 0.12620 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 222.65890 2226.5890
1.670
FORMULA: 1000*(1+T)= 2226.5890
= 2184.088974
T = 59.64%
R = 118.41%
</TABLE>
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