<PAGE>
EXHIBIT 13(b)
--------------------------------------------------------------------------------
Pacific One Select Variable Annuity - Separate Account A
Schedule for Computation of Performance Quotations
Average Initial Premium = $80,000.
--------------------------------------------------------------------------------
From Inception of Separate Account
<TABLE>
<CAPTION>
Small Cap Mid Cap
Aggsv Eqty Emerg Mkts Eqty Equity Multi-Strat Equity Income Growth LT Value Equity Index
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date 4/17/96 4/17/96 10/1/99 1/2/96 1/2/96 1/2/96 1/2/96 1/4/99 1/2/96
Beginning AUV 9.907633 10.101353 46.148662 14.377405 20.217176 22.313569 14.998761 10.000000 18.787969
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 15.169998 10.047014 59.022981 36.667261 32.043388 44.667868 57.535596 10.350419 43.969817
Days 1353 1353 91 1459 1459 1459 1459 361 1459
Annual Fee (None) $ - $ - $ - $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ - $ - $ - $ -
Ending ERV $ 1,531.14 $ 994.62 $ 1,278.97 $ 2,550.34 $ 1,584.96 $ 2,001.83 $ 3,836.02 $ 1,035.04 $ 2,340.32
AATR W/Drawal 12.18% -0.15% 27.90% 26.39% 12.21% 18.96% 39.98% 3.50% 23.70%
AATR Account 12.18% -0.15% 27.90% 26.39% 12.21% 18.96% 39.98% 3.50% 23.70%
<CAPTION>
Small Cap Large Cap
Index REIT Intern'l Value Govt Sec Mgd Bond Money Mkt High Yield Value
Start Date 1/4/99 1/4/99 1/2/96 1/2/96 1/2/96 1/2/96 1/2/96 1/4/99
Beginning AUV 10.000000 10.000000 16.208935 18.118416 18.908979 13.352866 20.692673 10.000000
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 11.741984 9.836214 25.829881 20.460946 21.71728 15.27168 24.848555 10.964610
Days 361 361 1459 1459 1459 1459 1459 361
Annual Fee (None) $ - $ - $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ - $ - $ -
Ending ERV $ 1,174.20 $ 983.62 $ 1,593.56 $ 1,129.29 $ 1,148.52 $ 1,143.70 $ 1,200.84 $ 1,096.46
AATR W/Drawal 17.42% -1.64% 12.36% 3.09% 3.52% 3.42% 4.69% 9.65%
AATR Account 17.42% -1.64% 12.36% 3.09% 3.52% 3.42% 4.69% 9.65%
</TABLE>
Dollar Values are per $1000 of initial premium
Average Annual Total Return (AATR) of Surrender Value =
[(ERV/$1000) to the power of (365/# days)]-1
<PAGE>
--------------------------------------------------------------------------------
Pacific One Select Variable Annuity - Separate Account A
Schedule for Computation of Performance Quotations
Average Initial Premium = $80,000.
--------------------------------------------------------------------------------
From Inception of Fund
<TABLE>
<CAPTION>
Small Cap Mid Cap
Aggsv Eqty Emerg Mkts Eqty Equity Multi-Strat Equity Income Growth LT Value Equity Index
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date 4/1/96 4/1/96 1/4/88 1/1/84 1/4/88 1/4/88 1/3/94 1/4/99 1/30/91
Beginning AUV 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 15.169998 10.047014 59.022981 36.667261 32.043388 44.667868 57.535596 10.350419 43.969817
Days 1369 1369 4379 5843 4379 4379 2188 361 3257
Annual Fee (None) $ - $ - $ - $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ - $ - $ - $ -
Ending ERV $ 1,517.00 $ 1,004.70 $ 5,902.30 $ 3,666.36 $ 3,204.34 $ 4,466.79 $ 5,753.56 $ 1,035.04 $ 4,396.98
AATR W/Drawal 11.75% 0.13% 15.95% 8.45% 10.19% 13.29% 33.90% 3.50% 18.05%
AATR Account 11.75% 0.13% 15.95% 8.45% 10.19% 13.29% 33.90% 3.50% 18.05%
<CAPTION>
Small Cap Large Cap
Index REIT Intern'l Value Govt Sec Mgd Bond Money Mkt High Yield Value
Start Date 1/4/99 1/4/99 1/4/88 1/4/88 1/4/88 1/4/88 1/4/88 1/4/99
Beginning AUV 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 11.741984 9.836214 25.829881 20.460946 21.71728 15.27168 24.848555 10.964610
Days 361 361 4379 4379 4379 4379 4379 361
Annual Fee (None) $ - $ - $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ - $ - $ -
Ending ERV $ 1,174.20 $ 983.62 $ 2,582.99 $ 2,046.09 $ 2,171.73 $ 1,527.17 $ 2,484.86 $ 1,096.46
AATR W/Drawal 17.42% -1.64% 8.23% 6.15% 6.68% 3.59% 7.88% 9.65%
AATR Account 17.42% -1.64% 8.23% 6.15% 6.68% 3.59% 7.88% 9.65%
</TABLE>
Dollar Values are per $1000 of initial premium
Average Annual Total Return (AATR) of Surrender Value =
[(ERV/$1000) to the power of (365/# days)]-1
<PAGE>
--------------------------------------------------------------------------------
Pacific One Select Variable Annuity - Separate Account A
Schedule for Computation of Performance Quotations
Average Initial Premium = $80,000.
--------------------------------------------------------------------------------
Last 10 Years ending 12/31/99
<TABLE>
<CAPTION>
Small Cap Mid Cap
Aggsv Eqty Emerg Mkts Eqty Equity Multi-Strat Equity Income Growth LT Value Equity Index
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date N/A N/A 12/29/89 12/29/89 12/29/89 12/29/89 N/A N/A N/A
Beginning AUV 15.058267 11.089966 12.761007 13.534711
End Date 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 59.022981 36.667261 32.043388 44.667868
Annual Fee (None) $ - $ - $ - $ -
CDSC $ - $ - $ - $ -
Ending ERV $ 3,919.64 $ 3,306.35 $ 2,511.04 $ 3,300.25
AATR W/Drawal 14.64% 12.70% 9.64% 12.68%
AATR Account 14.64% 12.70% 9.64% 12.68%
<CAPTION>
Small Cap Large Cap
Index REIT Intern'l Value Govt Sec Mgd Bond Money Mkt High Yield Value
Start Date N/A N/A 12/29/89 12/29/89 12/29/89 12/29/89 12/29/89 N/A
Beginning AUV 13.756937 11.812168 11.891587 11.136804 10.910441
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 25.829881 20.460946 21.717280 15.271680 24.848555
Annual Fee (None) $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ -
Ending ERV $ 1,877.59 $ 1,732.19 $ 1,826.27 $ 1,371.28 $2,277.50
AATR W/Drawal 6.50% 5.65% 6.21% 3.21% 8.58%
AATR Account 6.50% 5.65% 6.21% 3.21% 8.58%
</TABLE>
Dollar Values are per $1000 of initial premium
Average Annual Return (AAR) of Surrender Value =
[(ERV/$1000) to the power of (1/10)]-1
<PAGE>
--------------------------------------------------------------------------------
Pacific One Select Variable Annuity - Separate Account A
Schedule for Computation of Performance Quotations
Average Initial Premium = $80,000.
--------------------------------------------------------------------------------
Last 5 Years ending 12/31/99
<TABLE>
<CAPTION>
Small Cap Mid Cap
Aggsv Eqty Emerg Mkts Eqty Equity Multi-Strat Equity Income Growth LT Value Equity Index
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date N/A N/A 12/30/94 12/30/94 12/30/94 12/30/94 12/30/94 N/A 12/30/94
Beginning AUV 21.003115 11.848567 16.312155 17.055215 11.141919 13.838678
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 59.022981 36.667261 32.043388 44.667868 57.535596 43.969817
Annual Fee (None) $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ -
Ending ERV $ 2,810.20 $ 3,094.66 $ 1,964.39 $ 2,619.02 $ 5,163.89 $ 3,177.31
AAR W/Drawal 22.96% 25.35% 14.46% 21.23% 38.87% 26.01%
AAR Account 22.96% 25.35% 14.46% 21.23% 38.87% 26.01%
<CAPTION>
Small Cap Large Cap
Index REIT Intern'l Value Govt Sec Mgd Bond Money Mkt High Yield Value
Start Date N/A N/A 12/30/94 12/30/94 12/30/94 12/30/94 12/30/94 N/A
Beginning AUV 14.687367 15.494246 16.141082 12.856307 17.674579
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 25.829881 20.460946 21.717280 15.271680 24.848555
Annual Fee (None) $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ -
Ending ERV $ 1,758.65 $ 1,320.55 $ 1,345.47 $ 1,187.87 $ 1,405.89
AATR W/Drawal 11.95% 5.72% 6.11% 3.50% 7.05%
AATR Account 11.95% 5.72% 6.11% 3.50% 7.05%
</TABLE>
Dollar Values are per $1000 of initial premium
Average Annual Return (AAR) of Surrender Value =
[(ERV/$1000) to the power of (1/5)]-1
<PAGE>
--------------------------------------------------------------------------------
Pacific One Select Variable Annuity - Separate Account A
Schedule for Computation of Performance Quotations
Average Initial Premium = $80,000.
--------------------------------------------------------------------------------
Last 3 Years ending 12/31/99
<TABLE>
<CAPTION>
Small Cap Mid Cap
Aggsv Eqty Emerg Mkts Eqty Equity Multi-Strat Equity Income Growth LT Value Equity Index
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date 12/31/96 12/31/96 12/31/96 12/31/96 12/31/96 12/31/96 12/31/96 N/A 12/31/96
Beginning AUV 10.652132 9.556287 31.554759 18.061165 22.249539 25.946419 17.375857 22.431321
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 15.169998 10.047014 59.022981 36.667261 32.043388 44.667868 57.535596 43.969817
Annual Fee (None) $ - $ - $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ - $ 0.00 $ -
Ending ERV $ 1,424.13 $ 1,051.35 $ 1,870.49 $ 2,030.17 $ 1,440.18 $ 1,721.54 $ 3,311.24 $ 1,960.20
AAR W/Drawal 12.51% 1.68% 23.21% 26.62% 12.93% 19.85% 49.05% 25.15%
AAR Account 12.51% 1.68% 23.21% 26.62% 12.93% 19.85% 49.05% 25.15%
<CAPTION>
Small Cap Intern'l Large Cap
Index REIT Value Govt Sec Mgd Bond Money Mkt High Yield Value
<S> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date N/A N/A 12/31/96 12/31/96 12/31/96 12/31/96 12/31/96 N/A
Beginning AUV 19.149387 18.333919 19.380265 13.793941 22.626409
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 25.829881 20.460946 21.717280 15.271680 24.848555
Annual Fee (None) $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ -
Ending ERV $ 1,348.86 $ 1,116.02 $ 1,120.59 $ 1,107.13 $ 1,098.21
AATR W/Drawal 10.49% 3.73% 3.87% 3.45% 3.17%
AATR Account 10.49% 3.73% 3.87% 3.45% 3.17%
</TABLE>
Dollar Values are per $1000 of initial premium
Average Annual Return (AAR) of Surrender Value =
[(ERV/$1000) to the power of (1/3)]-1
<PAGE>
--------------------------------------------------------------------------------
Pacific One Select Variable Annuity - Separate Account A
Schedule for Computation of Performance Quotations
Average Initial Premium = $80,000.
--------------------------------------------------------------------------------
Last Year Ending 12/31/99
<TABLE>
<CAPTION>
Small Cap Mid Cap
Aggsv Eqty Emerg Mkts Eqty Equity Multi-Strat Equity Income Growth LT Value Equity Index
<S> <C> <C> <C> <C> <C> <C> <C> <C> <C>
Start Date 12/31/98 12/31/98 12/31/98 12/31/98 12/31/98 12/31/98 12/31/98 N/A 12/31/98
Beginning AUV 12.109974 6.651532 40.854828 26.906512 30.432577 40.092946 29.528791 37.067213
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 15.169998 10.047014 59.022981 36.667261 32.043388 44.667868 57.535596 43.969817
Annual Fee (None) $ - $ - $ - $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ - $ - $ - $ -
Ending ERV 1,252.69 $ 1,510.48 $ 1,444.70 $ 1,362.77 $ 1,052.93 $ 1,114.11 $ 1,948.46 $ 1,186.22
AATR W/Drawal 25.27% 51.05% 44.47% 36.28% 5.29% 11.41% 94.85% 18.62%
AATR Account 25.27% 51.05% 44.47% 36.28% 5.29% 11.41% 94.85% 18.62%
<CAPTION>
Small Cap Large Cap
Index REIT Intern'l Value Govt Sec Mgd Bond Money Mkt High Yield Value
Start Date N/A N/A 12/31/98 12/31/98 12/31/98 12/31/98 12/31/98 N/A
Beginning AUV 21.380625 21.215346 22.509068 14.795493 24.549082
End Date 12/31/99 12/31/99 12/31/99 12/31/99 12/31/99
Ending AUV 25.829881 20.460946 21.71728 15.27168 24.848555
Annual Fee (None) $ - $ - $ - $ - $ -
CDSC $ - $ - $ - $ - $ -
Ending ERV $ 1,208.10 $ 964.44 $ 964.82 $ 1,032.18 $ 1,012.20
AATR W/Drawal 20.81% -3.56% -3.52% 3.22% 1.22%
AATR Account 20.81% -3.56% -3.52% 3.22% 1.22%
</TABLE>
Dollar Values are per $1000 of initial premium
Average Annual Return (AAR) of Surrender Value =
[(ERV/$1000) to the power of (1/1)]-1
