EX-99.B13 20 dvaplperf.txt SCHEDULE OF PERFORMANCE DATA DVA PLUS MAX 7
Fully Managed 175 Basis Point w/rider Inception to Date IIE Base Invest Activity Shares Value 25-Jan-89 Purchase 10.00000000 $1,000.00 1000.00 100.000 100.000 1000.00 31-Mar-89 EEB 10.05965582 $1,012.12 -0.75 -0.075 99.925 1005.21 31-Mar-89 Rider 10.05965582 $1,012.12 -1.27 -0.126 99.799 1003.94 30-Jun-89 EEB 10.50926334 $1,029.34 -0.79 -0.075 99.724 1048.03 30-Jun-89 Rider 10.50926334 $1,029.34 -1.29 -0.123 99.601 1046.73 29-Sep-89 EEB 10.64953572 $1,046.85 -0.80 -0.075 99.526 1059.91 29-Sep-89 Rider 10.64953572 $1,046.85 -1.31 -0.123 99.403 1058.60 29-Dec-89 EEB 10.22174953 $1,064.66 -0.76 -0.074 99.329 1015.32 29-Dec-89 Rider 10.22174953 $1,064.66 -1.33 -0.130 99.199 1013.99 25-Jan-90 Contract 9.85674407 $1,070.00 -0.51 -0.052 99.147 977.27 30-Mar-90 EEB 10.01918363 $1,082.77 -0.75 -0.075 99.072 992.62 30-Mar-90 Rider 10.01918363 $1,082.77 -1.35 -0.135 98.937 991.27 29-Jun-90 EEB 10.46774730 $1,101.19 -0.78 -0.075 98.862 1034.86 29-Jun-90 Rider 10.46774730 $1,101.19 -1.38 -0.132 98.730 1033.48 28-Sep-90 EEB 9.29482136 $1,119.92 -0.69 -0.074 98.656 916.99 28-Sep-90 Rider 9.29482136 $1,119.92 -1.40 -0.151 98.505 915.59 31-Dec-90 EEB 9.72305426 $1,139.60 -0.72 -0.074 98.431 957.05 31-Dec-90 Rider 9.72305426 $1,139.60 -1.42 -0.146 98.285 955.63 25-Jan-91 Contract 9.91554702 $1,144.89 -0.51 -0.051 98.234 974.04 28-Mar-91 EEB 10.64294959 $1,158.12 -0.78 -0.073 98.161 1044.72 28-Mar-91 Rider 10.64294959 $1,158.12 -1.45 -0.136 98.025 1043.28 28-Jun-91 EEB 10.42891536 $1,178.04 -0.77 -0.074 97.951 1021.52 28-Jun-91 Rider 10.42891536 $1,178.04 -1.47 -0.141 97.810 1020.05 30-Sep-91 EEB 11.36250765 $1,198.75 -0.83 -0.073 97.737 1110.54 30-Sep-91 Rider 11.36250765 $1,198.75 -1.50 -0.132 97.605 1109.04 31-Dec-91 EEB 12.31663423 $1,219.37 -0.90 -0.073 97.532 1201.27 31-Dec-91 Rider 12.31663423 $1,219.37 -1.52 -0.123 97.409 1199.75 24-Jan-92 Contract 12.43628218 $1,224.81 -0.51 -0.041 97.368 1210.90 31-Mar-92 EEB 12.12150194 $1,240.12 -0.89 -0.073 97.295 1179.36 31-Mar-92 Rider 12.12150194 $1,240.12 -1.55 -0.128 97.167 1177.81 30-Jun-92 EEB 11.73877404 $1,261.22 -0.86 -0.073 97.094 1139.76 30-Jun-92 Rider 11.73877404 $1,261.22 -1.58 -0.135 96.959 1138.18 30-Sep-92 EEB 12.04834299 $1,282.91 -0.88 -0.073 96.886 1167.32 30-Sep-92 Rider 12.04834299 $1,282.91 -1.60 -0.133 96.753 1165.71 31-Dec-92 EEB 12.85454141 $1,304.98 -0.93 -0.072 96.681 1242.79 31-Dec-92 Rider 12.85454141 $1,304.98 -1.63 -0.127 96.554 1241.16 25-Jan-93 Contract 13.07661704 $1,311.04 -0.51 -0.039 96.515 1262.09 31-Mar-93 EEB 13.10766163 $1,326.93 -0.95 -0.072 96.443 1264.14 31-Mar-93 Rider 13.10766163 $1,326.93 -1.66 -0.127 96.316 1262.48 30-Jun-93 EEB 13.20398880 $1,349.50 -0.95 -0.072 96.244 1270.80 30-Jun-93 Rider 13.20398880 $1,349.50 -1.69 -0.128 96.116 1269.11 30-Sep-93 EEB 13.79867590 $1,372.71 -0.99 -0.072 96.044 1325.28 30-Sep-93 Rider 13.79867590 $1,372.71 -1.72 -0.125 95.919 1323.56 31-Dec-93 EEB 13.58806176 $1,396.32 -0.98 -0.072 95.847 1302.37 31-Dec-93 Rider 13.58806176 $1,396.32 -1.75 -0.129 95.718 1300.62 25-Jan-94 Contract 13.72838417 $1,402.81 -0.51 -0.037 95.681 1313.55 31-Mar-94 EEB 12.96669637 $1,419.81 -0.93 -0.072 95.609 1239.73 31-Mar-94 Rider 12.96669637 $1,419.81 -1.77 -0.137 95.472 1237.96 30-Jun-94 EEB 12.30831968 $1,443.96 -0.88 -0.071 95.401 1174.23 30-Jun-94 Rider 12.30831968 $1,443.96 -1.80 -0.146 95.255 1172.43 30-Sep-94 EEB 12.58410332 $1,468.80 -0.90 -0.072 95.183 1197.79 30-Sep-94 Rider 12.58410332 $1,468.80 -1.84 -0.146 95.037 1195.96 30-Dec-94 EEB 12.38042092 $1,493.79 -0.88 -0.071 94.966 1175.72 30-Dec-94 Rider 12.38042092 $1,493.79 -1.87 -0.151 94.815 1173.85 25-Jan-95 Contract 12.41772774 $1,501.01 -0.51 -0.041 94.774 1176.88 31-Mar-95 EEB 12.87398204 $1,519.20 -0.92 -0.071 94.703 1219.20 31-Mar-95 Rider 12.87398204 $1,519.20 -1.90 -0.148 94.555 1217.30 30-Jun-95 EEB 13.63572680 $1,545.04 -0.97 -0.071 94.484 1288.36 30-Jun-95 Rider 13.63572680 $1,545.04 -1.93 -0.142 94.342 1286.42 29-Sep-95 EEB 14.27566502 $1,571.32 -1.01 -0.071 94.271 1345.78 29-Sep-95 Rider 14.27566502 $1,571.32 -1.96 -0.137 94.134 1343.83 29-Dec-95 EEB 14.68417028 $1,598.05 -1.04 -0.071 94.063 1381.24 29-Dec-95 Rider 14.68417028 $1,598.05 -2.00 -0.136 93.927 1379.24 25-Jan-96 Contract 14.80340509 $1,606.07 -0.51 -0.034 93.893 1389.94 29-Mar-96 EEB 15.25640342 $1,625.24 -1.07 -0.070 93.823 1431.40 29-Mar-96 Rider 15.25640342 $1,625.24 -2.03 -0.133 93.690 1429.37 28-Jun-96 EEB 15.51695729 $1,652.89 -1.09 -0.070 93.620 1452.70 28-Jun-96 Rider 15.51695729 $1,652.89 -2.07 -0.133 93.487 1450.63 30-Sep-96 EEB 15.95688779 $1,681.94 -1.12 -0.070 93.417 1490.64 30-Sep-96 Rider 15.95688779 $1,681.94 -2.10 -0.132 93.285 1488.54 31-Dec-96 EEB 16.78724049 $1,710.87 -1.17 -0.070 93.215 1564.82 31-Dec-96 Rider 16.78724049 $1,710.87 -2.14 -0.127 93.088 1562.69 24-Jan-97 Contract 16.90365900 $1,718.50 -0.51 -0.030 93.058 1573.02 31-Mar-97 EEB 16.74826710 $1,739.65 -1.17 -0.070 92.988 1557.39 31-Mar-97 Rider 16.74826710 $1,739.65 -2.17 -0.130 92.858 1555.21 30-Jun-97 EEB 18.01204624 $1,769.24 -1.25 -0.069 92.789 1671.32 30-Jun-97 Rider 18.01204624 $1,769.24 -2.21 -0.123 92.666 1669.10 30-Sep-97 EEB 18.79439549 $1,799.67 -1.31 -0.070 92.596 1740.29 30-Sep-97 Rider 18.79439549 $1,799.67 -2.25 -0.120 92.476 1738.03 31-Dec-97 EEB 19.02572197 $1,830.62 -1.32 -0.069 92.407 1758.11 31-Dec-97 Rider 19.02572197 $1,830.62 -2.29 -0.120 92.287 1755.83 23-Jan-98 Contract 18.93211150 $1,838.44 -0.51 -0.027 92.260 1746.68 31-Mar-98 EEB 20.20776890 $1,861.41 -1.40 -0.069 92.191 1862.97 31-Mar-98 Rider 20.20776890 $1,861.41 -2.33 -0.115 92.076 1860.65 30-Jun-98 EEB 19.91525061 $1,893.08 -1.38 -0.069 92.007 1832.34 30-Jun-98 Rider 19.91525061 $1,893.08 -2.37 -0.119 91.888 1829.97 30-Sep-98 EEB 19.24201019 $1,925.64 -1.33 -0.069 91.819 1766.78 30-Sep-98 Rider 19.24201019 $1,925.64 -2.41 -0.125 91.694 1764.38 31-Dec-98 EEB 19.79502100 $1,958.76 -1.36 -0.069 91.625 1813.72 31-Dec-98 Rider 19.79502100 $1,958.76 -2.45 -0.124 91.501 1811.26 25-Jan-99 Contract 19.58937142 $1,967.86 -0.51 -0.026 91.475 1791.94 31-Mar-99 EEB 19.34679841 $1,991.71 -1.33 -0.069 91.406 1768.41 31-Mar-99 Rider 19.34679841 $1,991.71 -2.49 -0.129 91.277 1765.92 30-Jun-99 EEB 21.33646949 $2,025.59 -1.46 -0.068 91.209 1946.08 30-Jun-99 Rider 21.33646949 $2,025.59 -2.53 -0.119 91.090 1943.54 30-Sep-99 EEB 21.06228477 $2,060.43 -1.44 -0.068 91.022 1917.13 30-Sep-99 Rider 21.06228477 $2,060.43 -2.58 -0.122 90.900 1914.56 31-Dec-99 EEB 20.79540516 $2,095.87 -1.42 -0.068 90.832 1888.89 31-Dec-99 Rider 20.79540516 $2,095.87 -2.62 -0.126 90.706 1886.27 25-Jan-00 Contract 20.42523261 $2,105.61 -0.51 -0.025 90.681 1852.18 31-Mar-00 EEB 20.88298484 $2,131.53 -1.42 -0.068 90.613 1892.27 31-Mar-00 Rider 20.88298484 $2,131.53 -2.66 -0.127 90.486 1889.62 30-Jun-00 EEB 21.46262785 $2,167.79 -1.46 -0.068 90.418 1940.61 30-Jun-00 Rider 21.46262785 $2,167.79 -2.71 -0.126 90.292 1937.90 29-Sep-00 EEB 23.00501806 $2,204.67 -1.56 -0.068 90.224 2075.60 29-Sep-00 Rider 23.00501806 $2,204.67 -2.76 -0.120 90.104 2072.84 29-Dec-00 EEB 24.92251656 $2,242.17 -1.68 -0.067 90.037 2243.95 29-Dec-00 Rider 24.92251656 $2,242.17 -2.80 -0.112 89.925 2241.16 29-Dec-00 Surrender 24.92251656 0% 0.00 0.000 89.925 2241.16 Avg Annual Total Return: w/o surrender 7.00% 11.93150685 w/surrender 7.00% (continued) Fully Managed 175 Basis Point w/o rider Inception to Date Invest Activity Shares Value 25-Jan-89 Purchase 1000.00 100.000 100.000 1000.00 31-Mar-89 EEB 0.00 0.000 100.000 1005.97 31-Mar-89 Rider 0.00 0.000 100.000 1005.97 30-Jun-89 EEB 0.00 0.000 100.000 1050.93 30-Jun-89 Rider 0.00 0.000 100.000 1050.93 29-Sep-89 EEB 0.00 0.000 100.000 1064.95 29-Sep-89 Rider 0.00 0.000 100.000 1064.95 29-Dec-89 EEB 0.00 0.000 100.000 1022.17 29-Dec-89 Rider 0.00 0.000 100.000 1022.17 25-Jan-90 Contract -0.51 -0.052 99.948 985.16 30-Mar-90 EEB 0.00 0.000 99.948 1001.40 30-Mar-90 Rider 0.00 0.000 99.948 1001.40 29-Jun-90 EEB 0.00 0.000 99.948 1046.23 29-Jun-90 Rider 0.00 0.000 99.948 1046.23 28-Sep-90 EEB 0.00 0.000 99.948 929.00 28-Sep-90 Rider 0.00 0.000 99.948 929.00 31-Dec-90 EEB 0.00 0.000 99.948 971.80 31-Dec-90 Rider 0.00 0.000 99.948 971.80 25-Jan-91 Contract -0.51 -0.051 99.897 990.53 28-Mar-91 EEB 0.00 0.000 99.897 1063.20 28-Mar-91 Rider 0.00 0.000 99.897 1063.20 28-Jun-91 EEB 0.00 0.000 99.897 1041.82 28-Jun-91 Rider 0.00 0.000 99.897 1041.82 30-Sep-91 EEB 0.00 0.000 99.897 1135.08 30-Sep-91 Rider 0.00 0.000 99.897 1135.08 31-Dec-91 EEB 0.00 0.000 99.897 1230.39 31-Dec-91 Rider 0.00 0.000 99.897 1230.39 24-Jan-92 Contract -0.51 -0.041 99.856 1241.84 31-Mar-92 EEB 0.00 0.000 99.856 1210.40 31-Mar-92 Rider 0.00 0.000 99.856 1210.40 30-Jun-92 EEB 0.00 0.000 99.856 1172.19 30-Jun-92 Rider 0.00 0.000 99.856 1172.19 30-Sep-92 EEB 0.00 0.000 99.856 1203.10 30-Sep-92 Rider 0.00 0.000 99.856 1203.10 31-Dec-92 EEB 0.00 0.000 99.856 1283.60 31-Dec-92 Rider 0.00 0.000 99.856 1283.60 25-Jan-93 Contract -0.51 -0.039 99.817 1305.27 31-Mar-93 EEB 0.00 0.000 99.817 1308.37 31-Mar-93 Rider 0.00 0.000 99.817 1308.37 30-Jun-93 EEB 0.00 0.000 99.817 1317.98 30-Jun-93 Rider 0.00 0.000 99.817 1317.98 30-Sep-93 EEB 0.00 0.000 99.817 1377.34 30-Sep-93 Rider 0.00 0.000 99.817 1377.34 31-Dec-93 EEB 0.00 0.000 99.817 1356.32 31-Dec-93 Rider 0.00 0.000 99.817 1356.32 25-Jan-94 Contract -0.51 -0.037 99.780 1369.82 31-Mar-94 EEB 0.00 0.000 99.780 1293.82 31-Mar-94 Rider 0.00 0.000 99.780 1293.82 30-Jun-94 EEB 0.00 0.000 99.780 1228.12 30-Jun-94 Rider 0.00 0.000 99.780 1228.12 30-Sep-94 EEB 0.00 0.000 99.780 1255.64 30-Sep-94 Rider 0.00 0.000 99.780 1255.64 30-Dec-94 EEB 0.00 0.000 99.780 1235.32 30-Dec-94 Rider 0.00 0.000 99.780 1235.32 25-Jan-95 Contract -0.51 -0.041 99.739 1238.53 31-Mar-95 EEB 0.00 0.000 99.739 1284.04 31-Mar-95 Rider 0.00 0.000 99.739 1284.04 30-Jun-95 EEB 0.00 0.000 99.739 1360.01 30-Jun-95 Rider 0.00 0.000 99.739 1360.01 29-Sep-95 EEB 0.00 0.000 99.739 1423.84 29-Sep-95 Rider 0.00 0.000 99.739 1423.84 29-Dec-95 EEB 0.00 0.000 99.739 1464.58 29-Dec-95 Rider 0.00 0.000 99.739 1464.58 25-Jan-96 Contract -0.51 -0.034 99.705 1475.97 29-Mar-96 EEB 0.00 0.000 99.705 1521.14 29-Mar-96 Rider 0.00 0.000 99.705 1521.14 28-Jun-96 EEB 0.00 0.000 99.705 1547.12 28-Jun-96 Rider 0.00 0.000 99.705 1547.12 30-Sep-96 EEB 0.00 0.000 99.705 1590.98 30-Sep-96 Rider 0.00 0.000 99.705 1590.98 31-Dec-96 EEB 0.00 0.000 99.705 1673.77 31-Dec-96 Rider 0.00 0.000 99.705 1673.77 24-Jan-97 Contract -0.51 -0.030 99.675 1684.87 31-Mar-97 EEB 0.00 0.000 99.675 1669.38 31-Mar-97 Rider 0.00 0.000 99.675 1669.38 30-Jun-97 EEB 0.00 0.000 99.675 1795.35 30-Jun-97 Rider 0.00 0.000 99.675 1795.35 30-Sep-97 EEB 0.00 0.000 99.675 1873.33 30-Sep-97 Rider 0.00 0.000 99.675 1873.33 31-Dec-97 EEB 0.00 0.000 99.675 1896.39 31-Dec-97 Rider 0.00 0.000 99.675 1896.39 23-Jan-98 Contract -0.51 -0.027 99.648 1886.55 31-Mar-98 EEB 0.00 0.000 99.648 2013.66 31-Mar-98 Rider 0.00 0.000 99.648 2013.66 30-Jun-98 EEB 0.00 0.000 99.648 1984.51 30-Jun-98 Rider 0.00 0.000 99.648 1984.51 30-Sep-98 EEB 0.00 0.000 99.648 1917.43 30-Sep-98 Rider 0.00 0.000 99.648 1917.43 31-Dec-98 EEB 0.00 0.000 99.648 1972.53 31-Dec-98 Rider 0.00 0.000 99.648 1972.53 25-Jan-99 Contract -0.51 -0.026 99.622 1951.53 31-Mar-99 EEB 0.00 0.000 99.622 1927.37 31-Mar-99 Rider 0.00 0.000 99.622 1927.37 30-Jun-99 EEB 0.00 0.000 99.622 2125.58 30-Jun-99 Rider 0.00 0.000 99.622 2125.58 30-Sep-99 EEB 0.00 0.000 99.622 2098.27 30-Sep-99 Rider 0.00 0.000 99.622 2098.27 31-Dec-99 EEB 0.00 0.000 99.622 2071.68 31-Dec-99 Rider 0.00 0.000 99.622 2071.68 25-Jan-00 Contract -0.51 -0.025 99.597 2034.29 31-Mar-00 EEB 0.00 0.000 99.597 2079.88 31-Mar-00 Rider 0.00 0.000 99.597 2079.88 30-Jun-00 EEB 0.00 0.000 99.597 2137.61 30-Jun-00 Rider 0.00 0.000 99.597 2137.61 29-Sep-00 EEB 0.00 0.000 99.597 2291.23 29-Sep-00 Rider 0.00 0.000 99.597 2291.23 29-Dec-00 EEB 0.00 0.000 99.597 2482.21 29-Dec-00 Rider 0.00 0.000 99.597 2482.21 29-Dec-00 Surrender 0.00 0.000 99.597 2482.21 Avg Annual Total Return: 7.92% 11.93150685 7.92% (continued) Fully Managed 175 Basis Point w/rider w/o contract Inception to Date Invest Activity Shares Value 25-Jan-89 Purchase 1000.00 100.000 100.000 1000.00 31-Mar-89 EEB -0.75 -0.075 99.925 1005.21 31-Mar-89 Rider -1.27 -0.126 99.799 1003.94 30-Jun-89 EEB -0.79 -0.075 99.724 1048.03 30-Jun-89 Rider -1.29 -0.123 99.601 1046.73 29-Sep-89 EEB -0.80 -0.075 99.526 1059.91 29-Sep-89 Rider -1.31 -0.123 99.403 1058.60 29-Dec-89 EEB -0.76 -0.074 99.329 1015.32 29-Dec-89 Rider -1.33 -0.130 99.199 1013.99 25-Jan-90 Contract 0.00 0.000 99.199 977.78 30-Mar-90 EEB -0.75 -0.075 99.124 993.14 30-Mar-90 Rider -1.35 -0.135 98.989 991.79 29-Jun-90 EEB -0.78 -0.075 98.914 1035.41 29-Jun-90 Rider -1.38 -0.132 98.782 1034.03 28-Sep-90 EEB -0.69 -0.074 98.708 917.47 28-Sep-90 Rider -1.40 -0.151 98.557 916.07 31-Dec-90 EEB -0.72 -0.074 98.483 957.56 31-Dec-90 Rider -1.42 -0.146 98.337 956.14 25-Jan-91 Contract 0.00 0.000 98.337 975.07 28-Mar-91 EEB -0.78 -0.073 98.264 1045.82 28-Mar-91 Rider -1.45 -0.136 98.128 1044.37 28-Jun-91 EEB -0.77 -0.074 98.054 1022.60 28-Jun-91 Rider -1.47 -0.141 97.913 1021.13 30-Sep-91 EEB -0.83 -0.073 97.840 1111.71 30-Sep-91 Rider -1.50 -0.132 97.708 1110.21 31-Dec-91 EEB -0.90 -0.073 97.635 1202.53 31-Dec-91 Rider -1.52 -0.123 97.512 1201.02 24-Jan-92 Contract 0.00 0.000 97.512 1212.69 31-Mar-92 EEB -0.89 -0.073 97.439 1181.11 31-Mar-92 Rider -1.55 -0.128 97.311 1179.56 30-Jun-92 EEB -0.86 -0.073 97.238 1141.45 30-Jun-92 Rider -1.58 -0.135 97.103 1139.87 30-Sep-92 EEB -0.88 -0.073 97.030 1169.05 30-Sep-92 Rider -1.60 -0.133 96.897 1167.45 31-Dec-92 EEB -0.93 -0.072 96.825 1244.64 31-Dec-92 Rider -1.63 -0.127 96.698 1243.01 25-Jan-93 Contract 0.00 0.000 96.698 1264.48 31-Mar-93 EEB -0.95 -0.072 96.626 1266.54 31-Mar-93 Rider -1.66 -0.127 96.499 1264.88 30-Jun-93 EEB -0.96 -0.073 96.426 1273.21 30-Jun-93 Rider -1.69 -0.128 96.298 1271.52 30-Sep-93 EEB -1.00 -0.072 96.226 1327.79 30-Sep-93 Rider -1.72 -0.125 96.101 1326.07 31-Dec-93 EEB -0.98 -0.072 96.029 1304.85 31-Dec-93 Rider -1.75 -0.129 95.900 1303.10 25-Jan-94 Contract 0.00 0.000 95.900 1316.55 31-Mar-94 EEB -0.93 -0.072 95.828 1242.57 31-Mar-94 Rider -1.77 -0.137 95.691 1240.80 30-Jun-94 EEB -0.88 -0.071 95.620 1176.92 30-Jun-94 Rider -1.80 -0.146 95.474 1175.12 30-Sep-94 EEB -0.90 -0.072 95.402 1200.55 30-Sep-94 Rider -1.84 -0.146 95.256 1198.71 30-Dec-94 EEB -0.88 -0.071 95.185 1178.43 30-Dec-94 Rider -1.87 -0.151 95.034 1176.56 25-Jan-95 Contract 0.00 0.000 95.034 1180.11 31-Mar-95 EEB -0.92 -0.071 94.963 1222.55 31-Mar-95 Rider -1.90 -0.148 94.815 1220.65 30-Jun-95 EEB -0.97 -0.071 94.744 1291.90 30-Jun-95 Rider -1.93 -0.142 94.602 1289.97 29-Sep-95 EEB -1.01 -0.071 94.531 1349.49 29-Sep-95 Rider -1.96 -0.137 94.394 1347.54 29-Dec-95 EEB -1.04 -0.071 94.323 1385.05 29-Dec-95 Rider -2.00 -0.136 94.187 1383.06 25-Jan-96 Contract 0.00 0.000 94.187 1394.29 29-Mar-96 EEB -1.08 -0.071 94.116 1435.87 29-Mar-96 Rider -2.03 -0.133 93.983 1433.84 28-Jun-96 EEB -1.09 -0.070 93.913 1457.24 28-Jun-96 Rider -2.07 -0.133 93.780 1455.18 30-Sep-96 EEB -1.12 -0.070 93.710 1495.32 30-Sep-96 Rider -2.10 -0.132 93.578 1493.21 31-Dec-96 EEB -1.18 -0.070 93.508 1569.74 31-Dec-96 Rider -2.14 -0.127 93.381 1567.61 24-Jan-97 Contract 0.00 0.000 93.381 1578.48 31-Mar-97 EEB -1.17 -0.070 93.311 1562.80 31-Mar-97 Rider -2.17 -0.130 93.181 1560.62 30-Jun-97 EEB -1.26 -0.070 93.111 1677.12 30-Jun-97 Rider -2.21 -0.123 92.988 1674.90 30-Sep-97 EEB -1.31 -0.070 92.918 1746.34 30-Sep-97 Rider -2.25 -0.120 92.798 1744.08 31-Dec-97 EEB -1.32 -0.069 92.729 1764.24 31-Dec-97 Rider -2.29 -0.120 92.609 1761.95 23-Jan-98 Contract 0.00 0.000 92.609 1753.28 31-Mar-98 EEB -1.40 -0.069 92.540 1870.03 31-Mar-98 Rider -2.33 -0.115 92.425 1867.70 30-Jun-98 EEB -1.38 -0.069 92.356 1839.29 30-Jun-98 Rider -2.37 -0.119 92.237 1836.92 30-Sep-98 EEB -1.33 -0.069 92.168 1773.50 30-Sep-98 Rider -2.41 -0.125 92.043 1771.09 31-Dec-98 EEB -1.37 -0.069 91.974 1820.63 31-Dec-98 Rider -2.45 -0.124 91.850 1818.17 25-Jan-99 Contract 0.00 0.000 91.850 1799.28 31-Mar-99 EEB -1.33 -0.069 91.781 1775.67 31-Mar-99 Rider -2.49 -0.129 91.652 1773.17 30-Jun-99 EEB -1.47 -0.069 91.583 1954.06 30-Jun-99 Rider -2.53 -0.119 91.464 1951.52 30-Sep-99 EEB -1.44 -0.068 91.396 1925.01 30-Sep-99 Rider -2.58 -0.122 91.274 1922.44 31-Dec-99 EEB -1.42 -0.068 91.206 1896.67 31-Dec-99 Rider -2.62 -0.126 91.080 1894.05 25-Jan-00 Contract 0.00 0.000 91.080 1860.33 31-Mar-00 EEB -1.43 -0.068 91.012 1900.60 31-Mar-00 Rider -2.66 -0.127 90.885 1897.95 30-Jun-00 EEB -1.46 -0.068 90.817 1949.17 30-Jun-00 Rider -2.71 -0.126 90.691 1946.47 29-Sep-00 EEB -1.56 -0.068 90.623 2084.78 29-Sep-00 Rider -2.76 -0.120 90.503 2082.02 29-Dec-00 EEB -1.69 -0.068 90.435 2253.87 29-Dec-00 Rider -2.80 -0.112 90.323 2251.08 29-Dec-00 Surrender 0.00 0.000 90.323 2251.08 Avg Annual Total Return: 7.04% 11.93150685 7.04% Fully Managed 175 Basis Point w/rider 1 Yr Computation IIE Base Invest Activity Shares Value 31-Dec-99 Purchase 20.79540516 $1,000.00 1000.00 48.088 48.088 1000.01 31-Mar-00 EEB 20.88298484 $1,017.01 -0.75 -0.036 48.052 1003.47 31-Mar-00 Rider 20.88298484 $1,017.01 -1.27 -0.061 47.991 1002.20 30-Jun-00 EEB 21.46262785 $1,034.31 -0.77 -0.036 47.955 1029.24 30-Jun-00 Rider 21.46262785 $1,034.31 -1.29 -0.060 47.895 1027.95 29-Sep-00 EEB 23.00501806 $1,051.91 -0.83 -0.036 47.859 1101.00 29-Sep-00 Rider 23.00501806 $1,051.91 -1.31 -0.057 47.802 1099.69 29-Dec-00 EEB 24.92251656 $1,069.80 -0.89 -0.036 47.766 1190.45 29-Dec-00 Rider 24.92251656 $1,069.80 -1.34 -0.054 47.712 1189.10 29-Dec-00 Contract 24.92251656 $1,069.80 -0.51 -0.020 47.692 1188.60 29-Dec-00 Surrender 24.92251656 7% -70.00 -2.809 44.883 1118.60 Avg Annual Total Return: w/o surrender 18.86% 1.00000000 w/surrender 11.86% (continued) Fully Managed 175 Basis Point w/o rider 1 Yr Computation Invest Activity Shares Value 31-Dec-99 Purchase 1000.00 48.088 48.088 1000.01 31-Mar-00 EEB 0.00 0.000 48.088 1004.22 31-Mar-00 Rider 0.00 0.000 48.088 1004.22 30-Jun-00 EEB 0.00 0.000 48.088 1032.09 30-Jun-00 Rider 0.00 0.000 48.088 1032.09 29-Sep-00 EEB 0.00 0.000 48.088 1106.27 29-Sep-00 Rider 0.00 0.000 48.088 1106.27 29-Dec-00 EEB 0.00 0.000 48.088 1198.47 29-Dec-00 Rider 0.00 0.000 48.088 1198.47 29-Dec-00 Contract -0.51 -0.020 48.068 1197.98 29-Dec-00 Surrender -70.00 -2.809 45.259 1127.97 Avg Annual Total Return: 19.80% 1.00000000 12.80% (continued) Fully Managed 175 Basis Point w/rider w/o contract 1 Yr Computation Invest Activity Shares Value 31-Dec-99 Purchase 1000.00 48.088 48.088 1000.01 31-Mar-00 EEB -0.75 -0.036 48.052 1003.47 31-Mar-00 Rider -1.27 -0.061 47.991 1002.20 30-Jun-00 EEB -0.77 -0.036 47.955 1029.24 30-Jun-00 Rider -1.29 -0.060 47.895 1027.95 29-Sep-00 EEB -0.83 -0.036 47.859 1101.00 29-Sep-00 Rider -1.31 -0.057 47.802 1099.69 29-Dec-00 EEB -0.89 -0.036 47.766 1190.45 29-Dec-00 Rider -1.34 -0.054 47.712 1189.10 29-Dec-00 Contract 0.00 0.000 47.712 1189.10 29-Dec-00 Surrender -70.00 -2.809 44.903 1119.10 Avg Annual Total Return: 18.91% 1.00000000 11.91% Fully Managed 175 Basis Point w/rider 5 Yr Computation IIE Base Invest Activity Shares Value 29-Dec-95 Purchase 14.68417028 $1,000.00 1000.00 68.101 68.101 1000.01 29-Mar-96 EEB 15.25640342 $1,017.01 -0.78 -0.051 68.050 1038.20 29-Mar-96 Rider 15.25640342 $1,017.01 -1.27 -0.083 67.967 1036.93 28-Jun-96 EEB 15.51695729 $1,034.31 -0.79 -0.051 67.916 1053.85 28-Jun-96 Rider 15.51695729 $1,034.31 -1.29 -0.083 67.833 1052.56 30-Sep-96 EEB 15.95688779 $1,052.49 -0.81 -0.051 67.782 1081.59 30-Sep-96 Rider 15.95688779 $1,052.49 -1.32 -0.083 67.699 1080.27 31-Dec-96 EEB 16.78724049 $1,070.59 -0.85 -0.051 67.648 1135.62 31-Dec-96 Rider 16.78724049 $1,070.59 -1.34 -0.080 67.568 1134.28 31-Dec-96 Contract 16.78724049 $1,070.59 -0.51 -0.030 67.538 1133.78 31-Mar-97 EEB 16.74826710 $1,088.60 -0.85 -0.051 67.487 1130.29 31-Mar-97 Rider 16.74826710 $1,088.60 -1.36 -0.081 67.406 1128.93 30-Jun-97 EEB 18.01204624 $1,107.12 -0.91 -0.051 67.355 1213.20 30-Jun-97 Rider 18.01204624 $1,107.12 -1.38 -0.077 67.278 1211.81 30-Sep-97 EEB 18.79439549 $1,126.16 -0.95 -0.051 67.227 1263.49 30-Sep-97 Rider 18.79439549 $1,126.16 -1.41 -0.075 67.152 1262.08 31-Dec-97 EEB 19.02572197 $1,145.53 -0.96 -0.050 67.102 1276.66 31-Dec-97 Rider 19.02572197 $1,145.53 -1.43 -0.075 67.027 1275.24 31-Dec-97 Contract 19.02572197 $1,145.53 -0.51 -0.027 67.000 1274.72 31-Mar-98 EEB 20.20776890 $1,164.80 -1.02 -0.050 66.950 1352.91 31-Mar-98 Rider 20.20776890 $1,164.80 -1.46 -0.072 66.878 1351.46 30-Jun-98 EEB 19.91525061 $1,184.61 -1.00 -0.050 66.828 1330.90 30-Jun-98 Rider 19.91525061 $1,184.61 -1.48 -0.074 66.754 1329.42 30-Sep-98 EEB 19.24201019 $1,204.99 -0.96 -0.050 66.704 1283.52 30-Sep-98 Rider 19.24201019 $1,204.99 -1.51 -0.078 66.626 1282.02 31-Dec-98 EEB 19.79502100 $1,225.72 -0.99 -0.050 66.576 1317.87 31-Dec-98 Rider 19.79502100 $1,225.72 -1.53 -0.077 66.499 1316.35 31-Dec-98 Contract 19.79502100 $1,225.72 -0.51 -0.026 66.473 1315.83 31-Mar-99 EEB 19.34679841 $1,246.34 -0.96 -0.050 66.423 1285.07 31-Mar-99 Rider 19.34679841 $1,246.34 -1.56 -0.081 66.342 1283.51 30-Jun-99 EEB 21.33646949 $1,267.54 -1.06 -0.050 66.292 1414.44 30-Jun-99 Rider 21.33646949 $1,267.54 -1.58 -0.074 66.218 1412.86 30-Sep-99 EEB 21.06228477 $1,289.34 -1.05 -0.050 66.168 1393.65 30-Sep-99 Rider 21.06228477 $1,289.34 -1.61 -0.076 66.092 1392.05 31-Dec-99 EEB 20.79540516 $1,311.52 -1.03 -0.050 66.042 1373.37 31-Dec-99 Rider 20.79540516 $1,311.52 -1.64 -0.079 65.963 1371.73 31-Dec-99 Contract 20.79540516 $1,311.52 -0.51 -0.025 65.938 1371.21 31-Mar-00 EEB 20.88298484 $1,333.83 -1.03 -0.049 65.889 1375.96 31-Mar-00 Rider 20.88298484 $1,333.83 -1.67 -0.080 65.809 1374.29 30-Jun-00 EEB 21.46262785 $1,356.52 -1.06 -0.049 65.760 1411.38 30-Jun-00 Rider 21.46262785 $1,356.52 -1.70 -0.079 65.681 1409.69 29-Sep-00 EEB 23.00501806 $1,379.60 -1.13 -0.049 65.632 1509.87 29-Sep-00 Rider 23.00501806 $1,379.60 -1.72 -0.075 65.557 1508.14 29-Dec-00 EEB 24.92251656 $1,403.07 -1.23 -0.049 65.508 1632.62 29-Dec-00 Rider 24.92251656 $1,403.07 -1.75 -0.070 65.438 1630.88 29-Dec-00 Contract 24.92251656 $1,403.07 -0.51 -0.020 65.418 1630.38 29-Dec-00 Surrender 24.92251656 4% -40.00 -1.605 63.813 1590.38 Avg Annual Total Return: w/o surrender 10.27% 5.00000000 w/surrender 9.72% (continued) Fully Managed 175 Basis Point w/o rider 5 Yr Computation Invest Activity Shares Value 29-Dec-95 Purchase 1000.00 68.101 68.101 1000.01 29-Mar-96 EEB 0.00 0.000 68.101 1038.98 29-Mar-96 Rider 0.00 0.000 68.101 1038.98 28-Jun-96 EEB 0.00 0.000 68.101 1056.72 28-Jun-96 Rider 0.00 0.000 68.101 1056.72 30-Sep-96 EEB 0.00 0.000 68.101 1086.68 30-Sep-96 Rider 0.00 0.000 68.101 1086.68 31-Dec-96 EEB 0.00 0.000 68.101 1143.23 31-Dec-96 Rider 0.00 0.000 68.101 1143.23 31-Dec-96 Contract -0.51 -0.030 68.071 1142.72 31-Mar-97 EEB 0.00 0.000 68.071 1140.07 31-Mar-97 Rider 0.00 0.000 68.071 1140.07 30-Jun-97 EEB 0.00 0.000 68.071 1226.10 30-Jun-97 Rider 0.00 0.000 68.071 1226.10 30-Sep-97 EEB 0.00 0.000 68.071 1279.35 30-Sep-97 Rider 0.00 0.000 68.071 1279.35 31-Dec-97 EEB 0.00 0.000 68.071 1295.10 31-Dec-97 Rider 0.00 0.000 68.071 1295.10 31-Dec-97 Contract -0.51 -0.027 68.044 1294.59 31-Mar-98 EEB 0.00 0.000 68.044 1375.02 31-Mar-98 Rider 0.00 0.000 68.044 1375.02 30-Jun-98 EEB 0.00 0.000 68.044 1355.11 30-Jun-98 Rider 0.00 0.000 68.044 1355.11 30-Sep-98 EEB 0.00 0.000 68.044 1309.30 30-Sep-98 Rider 0.00 0.000 68.044 1309.30 31-Dec-98 EEB 0.00 0.000 68.044 1346.93 31-Dec-98 Rider 0.00 0.000 68.044 1346.93 31-Dec-98 Contract -0.51 -0.026 68.018 1346.42 31-Mar-99 EEB 0.00 0.000 68.018 1315.93 31-Mar-99 Rider 0.00 0.000 68.018 1315.93 30-Jun-99 EEB 0.00 0.000 68.018 1451.26 30-Jun-99 Rider 0.00 0.000 68.018 1451.26 30-Sep-99 EEB 0.00 0.000 68.018 1432.61 30-Sep-99 Rider 0.00 0.000 68.018 1432.61 31-Dec-99 EEB 0.00 0.000 68.018 1414.46 31-Dec-99 Rider 0.00 0.000 68.018 1414.46 31-Dec-99 Contract -0.51 -0.025 67.993 1413.94 31-Mar-00 EEB 0.00 0.000 67.993 1419.90 31-Mar-00 Rider 0.00 0.000 67.993 1419.90 30-Jun-00 EEB 0.00 0.000 67.993 1459.31 30-Jun-00 Rider 0.00 0.000 67.993 1459.31 29-Sep-00 EEB 0.00 0.000 67.993 1564.18 29-Sep-00 Rider 0.00 0.000 67.993 1564.18 29-Dec-00 EEB 0.00 0.000 67.993 1694.56 29-Dec-00 Rider 0.00 0.000 67.993 1694.56 29-Dec-00 Contract -0.51 -0.020 67.973 1694.06 29-Dec-00 Surrender -40.00 -1.605 66.368 1654.06 Avg Annual Total Return: 11.12% 5.00000000 10.59% (continued) Fully Managed 175 Basis Point w/rider w/o contract 5 Yr Computation Invest Activity Shares Value 29-Dec-95 Purchase 1000.00 68.101 68.101 1000.01 29-Mar-96 EEB -0.78 -0.051 68.050 1038.20 29-Mar-96 Rider -1.27 -0.083 67.967 1036.93 28-Jun-96 EEB -0.79 -0.051 67.916 1053.85 28-Jun-96 Rider -1.29 -0.083 67.833 1052.56 30-Sep-96 EEB -0.81 -0.051 67.782 1081.59 30-Sep-96 Rider -1.32 -0.083 67.699 1080.27 31-Dec-96 EEB -0.85 -0.051 67.648 1135.62 31-Dec-96 Rider -1.34 -0.080 67.568 1134.28 31-Dec-96 Contract 0.00 0.000 67.568 1134.28 31-Mar-97 EEB -0.85 -0.051 67.517 1130.79 31-Mar-97 Rider -1.36 -0.081 67.436 1129.44 30-Jun-97 EEB -0.91 -0.051 67.385 1213.74 30-Jun-97 Rider -1.38 -0.077 67.308 1212.35 30-Sep-97 EEB -0.95 -0.051 67.257 1264.05 30-Sep-97 Rider -1.41 -0.075 67.182 1262.65 31-Dec-97 EEB -0.96 -0.050 67.132 1277.23 31-Dec-97 Rider -1.43 -0.075 67.057 1275.81 31-Dec-97 Contract 0.00 0.000 67.057 1275.81 31-Mar-98 EEB -1.02 -0.050 67.007 1354.06 31-Mar-98 Rider -1.46 -0.072 66.935 1352.61 30-Jun-98 EEB -1.00 -0.050 66.885 1332.03 30-Jun-98 Rider -1.48 -0.074 66.811 1330.56 30-Sep-98 EEB -0.96 -0.050 66.761 1284.62 30-Sep-98 Rider -1.51 -0.078 66.683 1283.11 31-Dec-98 EEB -0.99 -0.050 66.633 1319.00 31-Dec-98 Rider -1.53 -0.077 66.556 1317.48 31-Dec-98 Contract 0.00 0.000 66.556 1317.48 31-Mar-99 EEB -0.97 -0.050 66.506 1286.68 31-Mar-99 Rider -1.56 -0.081 66.425 1285.11 30-Jun-99 EEB -1.06 -0.050 66.375 1416.21 30-Jun-99 Rider -1.58 -0.074 66.301 1414.63 30-Sep-99 EEB -1.05 -0.050 66.251 1395.40 30-Sep-99 Rider -1.61 -0.076 66.175 1393.80 31-Dec-99 EEB -1.03 -0.050 66.125 1375.10 31-Dec-99 Rider -1.64 -0.079 66.046 1373.45 31-Dec-99 Contract 0.00 0.000 66.046 1373.45 31-Mar-00 EEB -1.03 -0.049 65.997 1378.21 31-Mar-00 Rider -1.67 -0.080 65.917 1376.54 30-Jun-00 EEB -1.06 -0.049 65.868 1413.70 30-Jun-00 Rider -1.70 -0.079 65.789 1412.00 29-Sep-00 EEB -1.14 -0.050 65.739 1512.33 29-Sep-00 Rider -1.72 -0.075 65.664 1510.60 29-Dec-00 EEB -1.23 -0.049 65.615 1635.29 29-Dec-00 Rider -1.75 -0.070 65.545 1633.55 29-Dec-00 Contract 0.00 0.000 65.545 1633.55 29-Dec-00 Surrender -40.00 -1.605 63.940 1593.55 Avg Annual Total Return: 10.31% 5.00000000 9.77% Fully Managed 175 Basis Point w/rider 10 Year Computation IIE Base Invest Activity Shares Value 31-Dec-90 Purchase 9.72305426 $1,000.00 1000.00 102.848 102.848 1000.00 28-Mar-91 EEB 10.64294959 $1,016.26 -0.82 -0.077 102.771 1093.79 28-Mar-91 Rider 10.64294959 $1,016.26 -1.27 -0.119 102.652 1092.52 28-Jun-91 EEB 10.42891536 $1,033.74 -0.80 -0.077 102.575 1069.75 28-Jun-91 Rider 10.42891536 $1,033.74 -1.29 -0.124 102.451 1068.45 30-Sep-91 EEB 11.36250765 $1,051.91 -0.87 -0.077 102.374 1163.23 30-Sep-91 Rider 11.36250765 $1,051.91 -1.31 -0.115 102.259 1161.92 31-Dec-91 EEB 12.31663423 $1,070.00 -0.94 -0.076 102.183 1258.55 31-Dec-91 Rider 12.31663423 $1,070.00 -1.34 -0.109 102.074 1257.21 31-Dec-91 Contract 12.31663423 $1,070.00 -0.51 -0.041 102.033 1256.70 31-Mar-92 EEB 12.12150194 $1,088.20 -0.93 -0.077 101.956 1235.86 31-Mar-92 Rider 12.12150194 $1,088.20 -1.36 -0.112 101.844 1234.50 30-Jun-92 EEB 11.73877404 $1,106.71 -0.90 -0.077 101.767 1194.62 30-Jun-92 Rider 11.73877404 $1,106.71 -1.38 -0.118 101.649 1193.23 30-Sep-92 EEB 12.04834299 $1,125.75 -0.92 -0.076 101.573 1223.79 30-Sep-92 Rider 12.04834299 $1,125.75 -1.41 -0.117 101.456 1222.38 31-Dec-92 EEB 12.85454141 $1,145.11 -0.98 -0.076 101.380 1303.19 31-Dec-92 Rider 12.85454141 $1,145.11 -1.43 -0.111 101.269 1301.77 31-Dec-92 Contract 12.85454141 $1,145.11 -0.51 -0.040 101.229 1301.25 31-Mar-93 EEB 13.10766163 $1,164.37 -1.00 -0.076 101.153 1325.88 31-Mar-93 Rider 13.10766163 $1,164.37 -1.46 -0.111 101.042 1324.42 30-Jun-93 EEB 13.20398880 $1,184.18 -1.00 -0.076 100.966 1333.15 30-Jun-93 Rider 13.20398880 $1,184.18 -1.48 -0.112 100.854 1331.68 30-Sep-93 EEB 13.79867590 $1,204.55 -1.04 -0.075 100.779 1390.62 30-Sep-93 Rider 13.79867590 $1,204.55 -1.51 -0.109 100.670 1389.11 31-Dec-93 EEB 13.58806176 $1,225.27 -1.03 -0.076 100.594 1366.88 31-Dec-93 Rider 13.58806176 $1,225.27 -1.53 -0.113 100.481 1365.34 31-Dec-93 Contract 13.58806176 $1,225.27 -0.51 -0.038 100.443 1364.83 31-Mar-94 EEB 12.96669637 $1,245.88 -0.98 -0.076 100.367 1301.43 31-Mar-94 Rider 12.96669637 $1,245.88 -1.56 -0.120 100.247 1299.87 30-Jun-94 EEB 12.30831968 $1,267.07 -0.93 -0.076 100.171 1232.94 30-Jun-94 Rider 12.30831968 $1,267.07 -1.58 -0.128 100.043 1231.36 30-Sep-94 EEB 12.58410332 $1,288.86 -0.94 -0.075 99.968 1258.01 30-Sep-94 Rider 12.58410332 $1,288.86 -1.61 -0.128 99.840 1256.40 30-Dec-94 EEB 12.38042092 $1,310.79 -0.93 -0.075 99.765 1235.13 30-Dec-94 Rider 12.38042092 $1,310.79 -1.64 -0.132 99.633 1233.50 30-Dec-94 Contract 12.38042092 $1,310.79 -0.51 -0.041 99.592 1232.99 31-Mar-95 EEB 12.87398204 $1,333.09 -0.96 -0.075 99.517 1281.18 31-Mar-95 Rider 12.87398204 $1,333.09 -1.67 -0.130 99.387 1279.51 30-Jun-95 EEB 13.63572680 $1,355.77 -1.02 -0.075 99.312 1354.19 30-Jun-95 Rider 13.63572680 $1,355.77 -1.69 -0.124 99.188 1352.50 29-Sep-95 EEB 14.27566502 $1,378.83 -1.06 -0.074 99.114 1414.92 29-Sep-95 Rider 14.27566502 $1,378.83 -1.72 -0.120 98.994 1413.21 29-Dec-95 EEB 14.68417028 $1,402.29 -1.09 -0.074 98.920 1452.56 29-Dec-95 Rider 14.68417028 $1,402.29 -1.75 -0.119 98.801 1450.81 29-Dec-95 Contract 14.68417028 $1,402.29 -0.51 -0.035 98.766 1450.30 29-Mar-96 EEB 15.25640342 $1,426.14 -1.13 -0.074 98.692 1505.68 29-Mar-96 Rider 15.25640342 $1,426.14 -1.78 -0.117 98.575 1503.90 28-Jun-96 EEB 15.51695729 $1,450.40 -1.15 -0.074 98.501 1528.44 28-Jun-96 Rider 15.51695729 $1,450.40 -1.81 -0.117 98.384 1526.62 30-Sep-96 EEB 15.95688779 $1,475.89 -1.18 -0.074 98.310 1568.72 30-Sep-96 Rider 15.95688779 $1,475.89 -1.84 -0.115 98.195 1566.89 31-Dec-96 EEB 16.78724049 $1,501.28 -1.24 -0.074 98.121 1647.18 31-Dec-96 Rider 16.78724049 $1,501.28 -1.88 -0.112 98.009 1645.30 31-Dec-96 Contract 16.78724049 $1,501.28 -0.51 -0.030 97.979 1644.80 31-Mar-97 EEB 16.74826710 $1,526.54 -1.23 -0.073 97.906 1639.76 31-Mar-97 Rider 16.74826710 $1,526.54 -1.91 -0.114 97.792 1637.85 30-Jun-97 EEB 18.01204624 $1,552.51 -1.32 -0.073 97.719 1760.12 30-Jun-97 Rider 18.01204624 $1,552.51 -1.94 -0.108 97.611 1758.17 30-Sep-97 EEB 18.79439549 $1,579.21 -1.38 -0.073 97.538 1833.17 30-Sep-97 Rider 18.79439549 $1,579.21 -1.97 -0.105 97.433 1831.19 31-Dec-97 EEB 19.02572197 $1,606.37 -1.39 -0.073 97.360 1852.34 31-Dec-97 Rider 19.02572197 $1,606.37 -2.01 -0.106 97.254 1850.33 31-Dec-97 Contract 19.02572197 $1,606.37 -0.51 -0.027 97.227 1849.81 31-Mar-98 EEB 20.20776890 $1,633.39 -1.47 -0.073 97.154 1963.27 31-Mar-98 Rider 20.20776890 $1,633.39 -2.04 -0.101 97.053 1961.22 30-Jun-98 EEB 19.91525061 $1,661.18 -1.45 -0.073 96.980 1931.38 30-Jun-98 Rider 19.91525061 $1,661.18 -2.08 -0.104 96.876 1929.31 30-Sep-98 EEB 19.24201019 $1,689.75 -1.40 -0.073 96.803 1862.68 30-Sep-98 Rider 19.24201019 $1,689.75 -2.11 -0.110 96.693 1860.57 31-Dec-98 EEB 19.79502100 $1,718.81 -1.44 -0.073 96.620 1912.59 31-Dec-98 Rider 19.79502100 $1,718.81 -2.15 -0.109 96.511 1910.44 31-Dec-98 Contract 19.79502100 $1,718.81 -0.51 -0.026 96.485 1909.92 31-Mar-99 EEB 19.34679841 $1,747.73 -1.40 -0.072 96.413 1865.28 31-Mar-99 Rider 19.34679841 $1,747.73 -2.18 -0.113 96.300 1863.10 30-Jun-99 EEB 21.33646949 $1,777.46 -1.54 -0.072 96.228 2053.17 30-Jun-99 Rider 21.33646949 $1,777.46 -2.22 -0.104 96.124 2050.95 30-Sep-99 EEB 21.06228477 $1,808.03 -1.52 -0.072 96.052 2023.07 30-Sep-99 Rider 21.06228477 $1,808.03 -2.26 -0.107 95.945 2020.82 31-Dec-99 EEB 20.79540516 $1,839.13 -1.50 -0.072 95.873 1993.72 31-Dec-99 Rider 20.79540516 $1,839.13 -2.30 -0.111 95.762 1991.41 31-Dec-99 Contract 20.79540516 $1,839.13 -0.51 -0.025 95.737 1990.89 31-Mar-00 EEB 20.88298484 $1,870.42 -1.50 -0.072 95.665 1997.77 31-Mar-00 Rider 20.88298484 $1,870.42 -2.34 -0.112 95.553 1995.43 30-Jun-00 EEB 21.46262785 $1,902.24 -1.54 -0.072 95.481 2049.27 30-Jun-00 Rider 21.46262785 $1,902.24 -2.38 -0.111 95.370 2046.89 29-Sep-00 EEB 23.00501806 $1,934.60 -1.65 -0.072 95.298 2192.33 29-Sep-00 Rider 23.00501806 $1,934.60 -2.42 -0.105 95.193 2189.92 29-Dec-00 EEB 24.92251656 $1,967.51 -1.78 -0.071 95.122 2370.68 29-Dec-00 Rider 24.92251656 $1,967.51 -2.46 -0.099 95.023 2368.21 29-Dec-00 Contract 24.92251656 $1,967.51 -0.51 -0.020 95.003 2367.71 29-Dec-00 Surrender 24.92251656 0% 0.00 0.000 95.003 2367.71 Avg Annual Total Return: w/o surrender 9.00% 10.00000000 w/surrender 9.00% (continued) Fully Managed 175 Basis Point w/o rider 10 Year Computation Invest Activity Shares Value 31-Dec-90 Purchase 1000.00 102.848 102.848 1000.00 28-Mar-91 EEB 0.00 0.000 102.848 1094.61 28-Mar-91 Rider 0.00 0.000 102.848 1094.61 28-Jun-91 EEB 0.00 0.000 102.848 1072.59 28-Jun-91 Rider 0.00 0.000 102.848 1072.59 30-Sep-91 EEB 0.00 0.000 102.848 1168.61 30-Sep-91 Rider 0.00 0.000 102.848 1168.61 31-Dec-91 EEB 0.00 0.000 102.848 1266.74 31-Dec-91 Rider 0.00 0.000 102.848 1266.74 31-Dec-91 Contract -0.51 -0.041 102.807 1266.24 31-Mar-92 EEB 0.00 0.000 102.807 1246.18 31-Mar-92 Rider 0.00 0.000 102.807 1246.18 30-Jun-92 EEB 0.00 0.000 102.807 1206.83 30-Jun-92 Rider 0.00 0.000 102.807 1206.83 30-Sep-92 EEB 0.00 0.000 102.807 1238.65 30-Sep-92 Rider 0.00 0.000 102.807 1238.65 31-Dec-92 EEB 0.00 0.000 102.807 1321.54 31-Dec-92 Rider 0.00 0.000 102.807 1321.54 31-Dec-92 Contract -0.51 -0.040 102.767 1321.02 31-Mar-93 EEB 0.00 0.000 102.767 1347.04 31-Mar-93 Rider 0.00 0.000 102.767 1347.04 30-Jun-93 EEB 0.00 0.000 102.767 1356.93 30-Jun-93 Rider 0.00 0.000 102.767 1356.93 30-Sep-93 EEB 0.00 0.000 102.767 1418.05 30-Sep-93 Rider 0.00 0.000 102.767 1418.05 31-Dec-93 EEB 0.00 0.000 102.767 1396.40 31-Dec-93 Rider 0.00 0.000 102.767 1396.40 31-Dec-93 Contract -0.51 -0.038 102.729 1395.89 31-Mar-94 EEB 0.00 0.000 102.729 1332.06 31-Mar-94 Rider 0.00 0.000 102.729 1332.06 30-Jun-94 EEB 0.00 0.000 102.729 1264.42 30-Jun-94 Rider 0.00 0.000 102.729 1264.42 30-Sep-94 EEB 0.00 0.000 102.729 1292.75 30-Sep-94 Rider 0.00 0.000 102.729 1292.75 30-Dec-94 EEB 0.00 0.000 102.729 1271.83 30-Dec-94 Rider 0.00 0.000 102.729 1271.83 30-Dec-94 Contract -0.51 -0.041 102.688 1271.32 31-Mar-95 EEB 0.00 0.000 102.688 1322.00 31-Mar-95 Rider 0.00 0.000 102.688 1322.00 30-Jun-95 EEB 0.00 0.000 102.688 1400.23 30-Jun-95 Rider 0.00 0.000 102.688 1400.23 29-Sep-95 EEB 0.00 0.000 102.688 1465.94 29-Sep-95 Rider 0.00 0.000 102.688 1465.94 29-Dec-95 EEB 0.00 0.000 102.688 1507.89 29-Dec-95 Rider 0.00 0.000 102.688 1507.89 29-Dec-95 Contract -0.51 -0.035 102.653 1507.37 29-Mar-96 EEB 0.00 0.000 102.653 1566.12 29-Mar-96 Rider 0.00 0.000 102.653 1566.12 28-Jun-96 EEB 0.00 0.000 102.653 1592.86 28-Jun-96 Rider 0.00 0.000 102.653 1592.86 30-Sep-96 EEB 0.00 0.000 102.653 1638.02 30-Sep-96 Rider 0.00 0.000 102.653 1638.02 31-Dec-96 EEB 0.00 0.000 102.653 1723.26 31-Dec-96 Rider 0.00 0.000 102.653 1723.26 31-Dec-96 Contract -0.51 -0.030 102.623 1722.76 31-Mar-97 EEB 0.00 0.000 102.623 1718.76 31-Mar-97 Rider 0.00 0.000 102.623 1718.76 30-Jun-97 EEB 0.00 0.000 102.623 1848.45 30-Jun-97 Rider 0.00 0.000 102.623 1848.45 30-Sep-97 EEB 0.00 0.000 102.623 1928.74 30-Sep-97 Rider 0.00 0.000 102.623 1928.74 31-Dec-97 EEB 0.00 0.000 102.623 1952.48 31-Dec-97 Rider 0.00 0.000 102.623 1952.48 31-Dec-97 Contract -0.51 -0.027 102.596 1951.96 31-Mar-98 EEB 0.00 0.000 102.596 2073.24 31-Mar-98 Rider 0.00 0.000 102.596 2073.24 30-Jun-98 EEB 0.00 0.000 102.596 2043.23 30-Jun-98 Rider 0.00 0.000 102.596 2043.23 30-Sep-98 EEB 0.00 0.000 102.596 1974.15 30-Sep-98 Rider 0.00 0.000 102.596 1974.15 31-Dec-98 EEB 0.00 0.000 102.596 2030.89 31-Dec-98 Rider 0.00 0.000 102.596 2030.89 31-Dec-98 Contract -0.51 -0.026 102.570 2030.38 31-Mar-99 EEB 0.00 0.000 102.570 1984.40 31-Mar-99 Rider 0.00 0.000 102.570 1984.40 30-Jun-99 EEB 0.00 0.000 102.570 2188.48 30-Jun-99 Rider 0.00 0.000 102.570 2188.48 30-Sep-99 EEB 0.00 0.000 102.570 2160.36 30-Sep-99 Rider 0.00 0.000 102.570 2160.36 31-Dec-99 EEB 0.00 0.000 102.570 2132.98 31-Dec-99 Rider 0.00 0.000 102.570 2132.98 31-Dec-99 Contract -0.51 -0.025 102.545 2132.46 31-Mar-00 EEB 0.00 0.000 102.545 2141.45 31-Mar-00 Rider 0.00 0.000 102.545 2141.45 30-Jun-00 EEB 0.00 0.000 102.545 2200.89 30-Jun-00 Rider 0.00 0.000 102.545 2200.89 29-Sep-00 EEB 0.00 0.000 102.545 2359.05 29-Sep-00 Rider 0.00 0.000 102.545 2359.05 29-Dec-00 EEB 0.00 0.000 102.545 2555.68 29-Dec-00 Rider 0.00 0.000 102.545 2555.68 29-Dec-00 Contract -0.51 -0.020 102.525 2555.18 29-Dec-00 Surrender 0.00 0.000 102.525 2555.18 Avg Annual Total Return: 9.84% 10.00000000 9.84% (continued) Fully Managed 175 Basis Point w/rider w/o contract 10 Year Computation Invest Activity Shares Value 31-Dec-90 Purchase 1000.00 102.848 102.848 1000.00 28-Mar-91 EEB -0.82 -0.077 102.771 1093.79 28-Mar-91 Rider -1.27 -0.119 102.652 1092.52 28-Jun-91 EEB -0.80 -0.077 102.575 1069.75 28-Jun-91 Rider -1.29 -0.124 102.451 1068.45 30-Sep-91 EEB -0.87 -0.077 102.374 1163.23 30-Sep-91 Rider -1.31 -0.115 102.259 1161.92 31-Dec-91 EEB -0.94 -0.076 102.183 1258.55 31-Dec-91 Rider -1.34 -0.109 102.074 1257.21 31-Dec-91 Contract 0.00 0.000 102.074 1257.21 31-Mar-92 EEB -0.93 -0.077 101.997 1236.36 31-Mar-92 Rider -1.36 -0.112 101.885 1235.00 30-Jun-92 EEB -0.90 -0.077 101.808 1195.10 30-Jun-92 Rider -1.38 -0.118 101.690 1193.72 30-Sep-92 EEB -0.92 -0.076 101.614 1224.28 30-Sep-92 Rider -1.41 -0.117 101.497 1222.87 31-Dec-92 EEB -0.98 -0.076 101.421 1303.72 31-Dec-92 Rider -1.43 -0.111 101.310 1302.29 31-Dec-92 Contract 0.00 0.000 101.310 1302.29 31-Mar-93 EEB -1.00 -0.076 101.234 1326.94 31-Mar-93 Rider -1.46 -0.111 101.123 1325.49 30-Jun-93 EEB -1.00 -0.076 101.047 1334.22 30-Jun-93 Rider -1.48 -0.112 100.935 1332.74 30-Sep-93 EEB -1.04 -0.075 100.860 1391.73 30-Sep-93 Rider -1.51 -0.109 100.751 1390.23 31-Dec-93 EEB -1.03 -0.076 100.675 1367.98 31-Dec-93 Rider -1.53 -0.113 100.562 1366.44 31-Dec-93 Contract 0.00 0.000 100.562 1366.44 31-Mar-94 EEB -0.98 -0.076 100.486 1302.97 31-Mar-94 Rider -1.56 -0.120 100.366 1301.42 30-Jun-94 EEB -0.93 -0.076 100.290 1234.40 30-Jun-94 Rider -1.58 -0.128 100.162 1232.83 30-Sep-94 EEB -0.95 -0.075 100.087 1259.51 30-Sep-94 Rider -1.61 -0.128 99.959 1257.89 30-Dec-94 EEB -0.93 -0.075 99.884 1236.61 30-Dec-94 Rider -1.64 -0.132 99.752 1234.97 30-Dec-94 Contract 0.00 0.000 99.752 1234.97 31-Mar-95 EEB -0.96 -0.075 99.677 1283.24 31-Mar-95 Rider -1.67 -0.130 99.547 1281.57 30-Jun-95 EEB -1.02 -0.075 99.472 1356.37 30-Jun-95 Rider -1.69 -0.124 99.348 1354.68 29-Sep-95 EEB -1.06 -0.074 99.274 1417.20 29-Sep-95 Rider -1.72 -0.120 99.154 1415.49 29-Dec-95 EEB -1.09 -0.074 99.080 1454.91 29-Dec-95 Rider -1.75 -0.119 98.961 1453.16 29-Dec-95 Contract 0.00 0.000 98.961 1453.16 29-Mar-96 EEB -1.13 -0.074 98.887 1508.66 29-Mar-96 Rider -1.78 -0.117 98.770 1506.87 28-Jun-96 EEB -1.15 -0.074 98.696 1531.46 28-Jun-96 Rider -1.81 -0.117 98.579 1529.65 30-Sep-96 EEB -1.18 -0.074 98.505 1571.83 30-Sep-96 Rider -1.84 -0.115 98.390 1570.00 31-Dec-96 EEB -1.24 -0.074 98.316 1650.45 31-Dec-96 Rider -1.88 -0.112 98.204 1648.57 31-Dec-96 Contract 0.00 0.000 98.204 1648.57 31-Mar-97 EEB -1.23 -0.073 98.131 1643.52 31-Mar-97 Rider -1.91 -0.114 98.017 1641.61 30-Jun-97 EEB -1.32 -0.073 97.944 1764.17 30-Jun-97 Rider -1.94 -0.108 97.836 1762.23 30-Sep-97 EEB -1.38 -0.073 97.763 1837.40 30-Sep-97 Rider -1.97 -0.105 97.658 1835.42 31-Dec-97 EEB -1.39 -0.073 97.585 1856.63 31-Dec-97 Rider -2.01 -0.106 97.479 1854.61 31-Dec-97 Contract 0.00 0.000 97.479 1854.61 31-Mar-98 EEB -1.48 -0.073 97.406 1968.36 31-Mar-98 Rider -2.04 -0.101 97.305 1966.32 30-Jun-98 EEB -1.45 -0.073 97.232 1936.40 30-Jun-98 Rider -2.08 -0.104 97.128 1934.33 30-Sep-98 EEB -1.40 -0.073 97.055 1867.53 30-Sep-98 Rider -2.11 -0.110 96.945 1865.42 31-Dec-98 EEB -1.44 -0.073 96.872 1917.58 31-Dec-98 Rider -2.15 -0.109 96.763 1915.43 31-Dec-98 Contract 0.00 0.000 96.763 1915.43 31-Mar-99 EEB -1.40 -0.072 96.691 1870.66 31-Mar-99 Rider -2.18 -0.113 96.578 1868.48 30-Jun-99 EEB -1.55 -0.073 96.505 2059.08 30-Jun-99 Rider -2.22 -0.104 96.401 2056.86 30-Sep-99 EEB -1.52 -0.072 96.329 2028.91 30-Sep-99 Rider -2.26 -0.107 96.222 2026.66 31-Dec-99 EEB -1.50 -0.072 96.150 1999.48 31-Dec-99 Rider -2.30 -0.111 96.039 1997.17 31-Dec-99 Contract 0.00 0.000 96.039 1997.17 31-Mar-00 EEB -1.50 -0.072 95.967 2004.08 31-Mar-00 Rider -2.34 -0.112 95.855 2001.74 30-Jun-00 EEB -1.54 -0.072 95.783 2055.75 30-Jun-00 Rider -2.38 -0.111 95.672 2053.37 29-Sep-00 EEB -1.65 -0.072 95.600 2199.28 29-Sep-00 Rider -2.42 -0.105 95.495 2196.86 29-Dec-00 EEB -1.78 -0.071 95.424 2378.21 29-Dec-00 Rider -2.46 -0.099 95.325 2375.74 29-Dec-00 Contract 0.00 0.000 95.325 2375.74 29-Dec-00 Surrender 0.00 0.000 95.325 2375.74 Avg Annual Total Return: 9.04% 10.00000000 9.04%