EX-99.B13 18 landmarkperf.txt SCHEDULE OF PERFORMANCE DATA LANDMARK 12/31/2000
Fully Managed 210 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 10.05327683 $1,012.12 -0.75 -0.075 99.925 1004.57 31-Mar-89 Rider 10.05327683 $1,012.12 -1.27 -0.126 99.799 1003.31 30-Jun-89 EEB 10.49327839 $1,029.34 -0.79 -0.075 99.724 1046.43 30-Jun-89 Rider 10.49327839 $1,029.34 -1.29 -0.123 99.601 1045.14 29-Sep-89 EEB 10.62389762 $1,046.85 -0.79 -0.074 99.527 1057.36 29-Sep-89 Rider 10.62389762 $1,046.85 -1.31 -0.123 99.404 1056.06 29-Dec-89 EEB 10.18808219 $1,064.66 -0.76 -0.075 99.329 1011.97 29-Dec-89 Rider 10.18808219 $1,064.66 -1.33 -0.131 99.198 1010.64 25-Jan-90 Contract 9.82167918 $1,070.00 -0.38 -0.039 99.159 973.91 30-Mar-90 EEB 9.97730563 $1,082.77 -0.74 -0.074 99.085 988.60 30-Mar-90 Rider 9.97730563 $1,082.77 -1.35 -0.135 98.950 987.25 29-Jun-90 EEB 10.41474647 $1,101.19 -0.77 -0.074 98.876 1029.77 29-Jun-90 Rider 10.41474647 $1,101.19 -1.38 -0.133 98.743 1028.38 28-Sep-90 EEB 9.23953403 $1,119.92 -0.68 -0.074 98.669 911.66 28-Sep-90 Rider 9.23953403 $1,119.92 -1.40 -0.152 98.517 910.25 31-Dec-90 EEB 9.65637191 $1,139.60 -0.71 -0.074 98.443 950.60 31-Dec-90 Rider 9.65637191 $1,139.60 -1.42 -0.147 98.296 949.18 25-Jan-91 Contract 9.84514704 $1,144.89 -0.38 -0.039 98.257 967.35 28-Mar-91 EEB 10.56100488 $1,158.12 -0.78 -0.074 98.183 1036.91 28-Mar-91 Rider 10.56100488 $1,158.12 -1.45 -0.137 98.046 1035.46 28-Jun-91 EEB 10.33932293 $1,178.04 -0.76 -0.074 97.972 1012.96 28-Jun-91 Rider 10.33932293 $1,178.04 -1.47 -0.142 97.830 1011.50 30-Sep-91 EEB 11.25457070 $1,198.75 -0.83 -0.074 97.756 1100.20 30-Sep-91 Rider 11.25457070 $1,198.75 -1.50 -0.133 97.623 1098.70 31-Dec-91 EEB 12.18870774 $1,219.37 -0.89 -0.073 97.550 1189.01 31-Dec-91 Rider 12.18870774 $1,219.37 -1.52 -0.125 97.425 1187.48 24-Jan-92 Contract 12.30425847 $1,224.81 -0.38 -0.031 97.394 1198.36 31-Mar-92 EEB 11.98497196 $1,240.12 -0.88 -0.073 97.321 1166.39 31-Mar-92 Rider 11.98497196 $1,240.12 -1.55 -0.129 97.192 1164.84 30-Jun-92 EEB 11.59624358 $1,261.22 -0.85 -0.073 97.119 1126.22 30-Jun-92 Rider 11.59624358 $1,261.22 -1.58 -0.136 96.983 1124.64 30-Sep-92 EEB 11.89137375 $1,282.91 -0.86 -0.072 96.911 1152.40 30-Sep-92 Rider 11.89137375 $1,282.91 -1.60 -0.135 96.776 1150.80 31-Dec-92 EEB 12.67569648 $1,304.98 -0.92 -0.073 96.703 1225.78 31-Dec-92 Rider 12.67569648 $1,304.98 -1.63 -0.129 96.574 1224.14 25-Jan-93 Contract 12.89154146 $1,311.04 -0.38 -0.029 96.545 1244.61 31-Mar-93 EEB 12.91394249 $1,326.93 -0.94 -0.073 96.472 1245.83 31-Mar-93 Rider 12.91394249 $1,326.93 -1.66 -0.129 96.343 1244.17 30-Jun-93 EEB 12.99730461 $1,349.50 -0.94 -0.072 96.271 1251.26 30-Jun-93 Rider 12.99730461 $1,349.50 -1.69 -0.130 96.141 1249.57 30-Sep-93 EEB 13.57049961 $1,372.71 -0.98 -0.072 96.069 1303.70 30-Sep-93 Rider 13.57049961 $1,372.71 -1.72 -0.127 95.942 1301.98 31-Dec-93 EEB 13.35136898 $1,396.32 -0.96 -0.072 95.870 1280.00 31-Dec-93 Rider 13.35136898 $1,396.32 -1.75 -0.131 95.739 1278.25 25-Jan-94 Contract 13.48595435 $1,402.81 -0.38 -0.028 95.711 1290.75 31-Mar-94 EEB 12.72963491 $1,419.81 -0.91 -0.071 95.640 1217.46 31-Mar-94 Rider 12.72963491 $1,419.81 -1.77 -0.139 95.501 1215.69 30-Jun-94 EEB 12.07254985 $1,443.96 -0.86 -0.071 95.430 1152.08 30-Jun-94 Rider 12.07254985 $1,443.96 -1.80 -0.149 95.281 1150.28 30-Sep-94 EEB 12.33197410 $1,468.80 -0.88 -0.071 95.210 1174.13 30-Sep-94 Rider 12.33197410 $1,468.80 -1.84 -0.149 95.061 1172.29 30-Dec-94 EEB 12.12160115 $1,493.79 -0.86 -0.071 94.990 1151.43 30-Dec-94 Rider 12.12160115 $1,493.79 -1.87 -0.154 94.836 1149.56 25-Jan-95 Contract 12.15503773 $1,501.01 -0.38 -0.031 94.805 1152.36 31-Mar-95 EEB 12.59365306 $1,519.20 -0.90 -0.071 94.734 1193.05 31-Mar-95 Rider 12.59365306 $1,519.20 -1.90 -0.151 94.583 1191.15 30-Jun-95 EEB 13.32698165 $1,545.04 -0.95 -0.071 94.512 1259.56 30-Jun-95 Rider 13.32698165 $1,545.04 -1.93 -0.145 94.367 1257.63 29-Sep-95 EEB 13.94005435 $1,571.32 -0.99 -0.071 94.296 1314.49 29-Sep-95 Rider 13.94005435 $1,571.32 -1.96 -0.141 94.155 1312.53 29-Dec-95 EEB 14.32622911 $1,598.05 -1.01 -0.071 94.084 1347.87 29-Dec-95 Rider 14.32622911 $1,598.05 -2.00 -0.140 93.944 1345.86 25-Jan-96 Contract 14.43875580 $1,606.07 -0.38 -0.026 93.918 1356.06 29-Mar-96 EEB 14.87131171 $1,625.24 -1.05 -0.071 93.847 1395.63 29-Mar-96 Rider 14.87131171 $1,625.24 -2.03 -0.137 93.710 1393.59 28-Jun-96 EEB 15.11186282 $1,652.89 -1.06 -0.070 93.640 1415.07 28-Jun-96 Rider 15.11186282 $1,652.89 -2.07 -0.137 93.503 1413.00 30-Sep-96 EEB 15.52606241 $1,681.94 -1.09 -0.070 93.433 1450.65 30-Sep-96 Rider 15.52606241 $1,681.94 -2.10 -0.135 93.298 1448.55 31-Dec-96 EEB 16.31934896 $1,710.87 -1.14 -0.070 93.228 1521.42 31-Dec-96 Rider 16.31934896 $1,710.87 -2.14 -0.131 93.097 1519.28 24-Jan-97 Contract 16.42866383 $1,718.50 -0.38 -0.023 93.074 1529.08 31-Mar-97 EEB 16.26715203 $1,739.65 -1.14 -0.070 93.004 1512.91 31-Mar-97 Rider 16.26715203 $1,739.65 -2.17 -0.133 92.871 1510.75 30-Jun-97 EEB 17.47911520 $1,769.24 -1.22 -0.070 92.801 1622.08 30-Jun-97 Rider 17.47911520 $1,769.24 -2.21 -0.126 92.675 1619.88 30-Sep-97 EEB 18.22195871 $1,799.67 -1.27 -0.070 92.605 1687.44 30-Sep-97 Rider 18.22195871 $1,799.67 -2.25 -0.123 92.482 1685.20 31-Dec-97 EEB 18.42969033 $1,830.62 -1.28 -0.069 92.413 1703.14 31-Dec-97 Rider 18.42969033 $1,830.62 -2.29 -0.124 92.289 1700.86 23-Jan-98 Contract 18.33489670 $1,838.44 -0.38 -0.021 92.268 1691.72 31-Mar-98 EEB 19.55753558 $1,861.41 -1.35 -0.069 92.199 1803.19 31-Mar-98 Rider 19.55753558 $1,861.41 -2.33 -0.119 92.080 1800.86 30-Jun-98 EEB 19.25730496 $1,893.08 -1.33 -0.069 92.011 1771.88 30-Jun-98 Rider 19.25730496 $1,893.08 -2.37 -0.123 91.888 1769.52 30-Sep-98 EEB 18.58959832 $1,925.64 -1.28 -0.069 91.819 1706.88 30-Sep-98 Rider 18.58959832 $1,925.64 -2.41 -0.130 91.689 1704.46 31-Dec-98 EEB 19.10669594 $1,958.76 -1.31 -0.069 91.620 1750.56 31-Dec-98 Rider 19.10669594 $1,958.76 -2.45 -0.128 91.492 1748.11 25-Jan-99 Contract 18.90358051 $1,967.86 -0.38 -0.020 91.472 1729.15 31-Mar-99 EEB 18.65765979 $1,991.71 -1.28 -0.069 91.403 1705.37 31-Mar-99 Rider 18.65765979 $1,991.71 -2.49 -0.133 91.270 1702.88 30-Jun-99 EEB 20.55822039 $2,025.59 -1.41 -0.069 91.201 1874.93 30-Jun-99 Rider 20.55822039 $2,025.59 -2.53 -0.123 91.078 1872.40 30-Sep-99 EEB 20.27582070 $2,060.43 -1.39 -0.069 91.009 1845.28 30-Sep-99 Rider 20.27582070 $2,060.43 -2.58 -0.127 90.882 1842.71 31-Dec-99 EEB 20.00093378 $2,095.87 -1.36 -0.068 90.814 1816.36 31-Dec-99 Rider 20.00093378 $2,095.87 -2.62 -0.131 90.683 1813.74 25-Jan-00 Contract 19.64009949 $2,105.61 -0.38 -0.019 90.664 1780.65 31-Mar-00 EEB 20.06732407 $2,131.53 -1.36 -0.068 90.596 1818.02 31-Mar-00 Rider 20.06732407 $2,131.53 -2.66 -0.133 90.463 1815.35 30-Jun-00 EEB 20.60603509 $2,167.79 -1.40 -0.068 90.395 1862.68 30-Jun-00 Rider 20.60603509 $2,167.79 -2.71 -0.132 90.263 1859.96 29-Sep-00 EEB 22.06728325 $2,204.67 -1.49 -0.068 90.195 1990.36 29-Sep-00 Rider 22.06728325 $2,204.67 -2.76 -0.125 90.070 1987.60 29-Dec-00 EEB 23.88544230 $2,242.17 -1.61 -0.067 90.003 2149.76 29-Dec-00 Rider 23.88544230 $2,242.17 -2.80 -0.117 89.886 2146.97 29-Dec-00 Surrender 23.88544230 0% 0.00 0.000 89.886 2146.97 Avg Annual Total Return: w/o surrender 6.61% 11.93150685 w/surrender 6.61% (continued) Fully Managed 210 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 1005.33 31-Mar-89 Rider 0.00 0.000 100.000 1005.33 30-Jun-89 EEB 0.00 0.000 100.000 1049.33 30-Jun-89 Rider 0.00 0.000 100.000 1049.33 29-Sep-89 EEB 0.00 0.000 100.000 1062.39 29-Sep-89 Rider 0.00 0.000 100.000 1062.39 29-Dec-89 EEB 0.00 0.000 100.000 1018.81 29-Dec-89 Rider 0.00 0.000 100.000 1018.81 25-Jan-90 Contract -0.38 -0.039 99.961 981.78 30-Mar-90 EEB 0.00 0.000 99.961 997.34 30-Mar-90 Rider 0.00 0.000 99.961 997.34 29-Jun-90 EEB 0.00 0.000 99.961 1041.07 29-Jun-90 Rider 0.00 0.000 99.961 1041.07 28-Sep-90 EEB 0.00 0.000 99.961 923.59 28-Sep-90 Rider 0.00 0.000 99.961 923.59 31-Dec-90 EEB 0.00 0.000 99.961 965.26 31-Dec-90 Rider 0.00 0.000 99.961 965.26 25-Jan-91 Contract -0.38 -0.039 99.922 983.75 28-Mar-91 EEB 0.00 0.000 99.922 1055.28 28-Mar-91 Rider 0.00 0.000 99.922 1055.28 28-Jun-91 EEB 0.00 0.000 99.922 1033.13 28-Jun-91 Rider 0.00 0.000 99.922 1033.13 30-Sep-91 EEB 0.00 0.000 99.922 1124.58 30-Sep-91 Rider 0.00 0.000 99.922 1124.58 31-Dec-91 EEB 0.00 0.000 99.922 1217.92 31-Dec-91 Rider 0.00 0.000 99.922 1217.92 24-Jan-92 Contract -0.38 -0.031 99.891 1229.08 31-Mar-92 EEB 0.00 0.000 99.891 1197.19 31-Mar-92 Rider 0.00 0.000 99.891 1197.19 30-Jun-92 EEB 0.00 0.000 99.891 1158.36 30-Jun-92 Rider 0.00 0.000 99.891 1158.36 30-Sep-92 EEB 0.00 0.000 99.891 1187.84 30-Sep-92 Rider 0.00 0.000 99.891 1187.84 31-Dec-92 EEB 0.00 0.000 99.891 1266.19 31-Dec-92 Rider 0.00 0.000 99.891 1266.19 25-Jan-93 Contract -0.38 -0.029 99.862 1287.38 31-Mar-93 EEB 0.00 0.000 99.862 1289.61 31-Mar-93 Rider 0.00 0.000 99.862 1289.61 30-Jun-93 EEB 0.00 0.000 99.862 1297.94 30-Jun-93 Rider 0.00 0.000 99.862 1297.94 30-Sep-93 EEB 0.00 0.000 99.862 1355.18 30-Sep-93 Rider 0.00 0.000 99.862 1355.18 31-Dec-93 EEB 0.00 0.000 99.862 1333.29 31-Dec-93 Rider 0.00 0.000 99.862 1333.29 25-Jan-94 Contract -0.38 -0.028 99.834 1346.36 31-Mar-94 EEB 0.00 0.000 99.834 1270.85 31-Mar-94 Rider 0.00 0.000 99.834 1270.85 30-Jun-94 EEB 0.00 0.000 99.834 1205.25 30-Jun-94 Rider 0.00 0.000 99.834 1205.25 30-Sep-94 EEB 0.00 0.000 99.834 1231.15 30-Sep-94 Rider 0.00 0.000 99.834 1231.15 30-Dec-94 EEB 0.00 0.000 99.834 1210.15 30-Dec-94 Rider 0.00 0.000 99.834 1210.15 25-Jan-95 Contract -0.38 -0.031 99.803 1213.11 31-Mar-95 EEB 0.00 0.000 99.803 1256.88 31-Mar-95 Rider 0.00 0.000 99.803 1256.88 30-Jun-95 EEB 0.00 0.000 99.803 1330.07 30-Jun-95 Rider 0.00 0.000 99.803 1330.07 29-Sep-95 EEB 0.00 0.000 99.803 1391.26 29-Sep-95 Rider 0.00 0.000 99.803 1391.26 29-Dec-95 EEB 0.00 0.000 99.803 1429.80 29-Dec-95 Rider 0.00 0.000 99.803 1429.80 25-Jan-96 Contract -0.38 -0.026 99.777 1440.66 29-Mar-96 EEB 0.00 0.000 99.777 1483.81 29-Mar-96 Rider 0.00 0.000 99.777 1483.81 28-Jun-96 EEB 0.00 0.000 99.777 1507.82 28-Jun-96 Rider 0.00 0.000 99.777 1507.82 30-Sep-96 EEB 0.00 0.000 99.777 1549.14 30-Sep-96 Rider 0.00 0.000 99.777 1549.14 31-Dec-96 EEB 0.00 0.000 99.777 1628.30 31-Dec-96 Rider 0.00 0.000 99.777 1628.30 24-Jan-97 Contract -0.38 -0.023 99.754 1638.82 31-Mar-97 EEB 0.00 0.000 99.754 1622.71 31-Mar-97 Rider 0.00 0.000 99.754 1622.71 30-Jun-97 EEB 0.00 0.000 99.754 1743.61 30-Jun-97 Rider 0.00 0.000 99.754 1743.61 30-Sep-97 EEB 0.00 0.000 99.754 1817.71 30-Sep-97 Rider 0.00 0.000 99.754 1817.71 31-Dec-97 EEB 0.00 0.000 99.754 1838.44 31-Dec-97 Rider 0.00 0.000 99.754 1838.44 23-Jan-98 Contract -0.38 -0.021 99.733 1828.59 31-Mar-98 EEB 0.00 0.000 99.733 1950.53 31-Mar-98 Rider 0.00 0.000 99.733 1950.53 30-Jun-98 EEB 0.00 0.000 99.733 1920.59 30-Jun-98 Rider 0.00 0.000 99.733 1920.59 30-Sep-98 EEB 0.00 0.000 99.733 1854.00 30-Sep-98 Rider 0.00 0.000 99.733 1854.00 31-Dec-98 EEB 0.00 0.000 99.733 1905.57 31-Dec-98 Rider 0.00 0.000 99.733 1905.57 25-Jan-99 Contract -0.38 -0.020 99.713 1884.93 31-Mar-99 EEB 0.00 0.000 99.713 1860.41 31-Mar-99 Rider 0.00 0.000 99.713 1860.41 30-Jun-99 EEB 0.00 0.000 99.713 2049.92 30-Jun-99 Rider 0.00 0.000 99.713 2049.92 30-Sep-99 EEB 0.00 0.000 99.713 2021.76 30-Sep-99 Rider 0.00 0.000 99.713 2021.76 31-Dec-99 EEB 0.00 0.000 99.713 1994.35 31-Dec-99 Rider 0.00 0.000 99.713 1994.35 25-Jan-00 Contract -0.38 -0.019 99.694 1958.00 31-Mar-00 EEB 0.00 0.000 99.694 2000.59 31-Mar-00 Rider 0.00 0.000 99.694 2000.59 30-Jun-00 EEB 0.00 0.000 99.694 2054.30 30-Jun-00 Rider 0.00 0.000 99.694 2054.30 29-Sep-00 EEB 0.00 0.000 99.694 2199.98 29-Sep-00 Rider 0.00 0.000 99.694 2199.98 29-Dec-00 EEB 0.00 0.000 99.694 2381.24 29-Dec-00 Rider 0.00 0.000 99.694 2381.24 29-Dec-00 Surrender 0.00 0.000 99.694 2381.24 Avg Annual Total Return: 7.54% 11.93150685 7.54% (continued) Fully Managed 210 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 1004.57 31-Mar-89 Rider -1.27 -0.126 99.799 1003.31 30-Jun-89 EEB -0.79 -0.075 99.724 1046.43 30-Jun-89 Rider -1.29 -0.123 99.601 1045.14 29-Sep-89 EEB -0.79 -0.074 99.527 1057.36 29-Sep-89 Rider -1.31 -0.123 99.404 1056.06 29-Dec-89 EEB -0.76 -0.075 99.329 1011.97 29-Dec-89 Rider -1.33 -0.131 99.198 1010.64 25-Jan-90 Contract 0.00 0.000 99.198 974.29 30-Mar-90 EEB -0.74 -0.074 99.124 988.99 30-Mar-90 Rider -1.35 -0.135 98.989 987.64 29-Jun-90 EEB -0.77 -0.074 98.915 1030.17 29-Jun-90 Rider -1.38 -0.133 98.782 1028.79 28-Sep-90 EEB -0.68 -0.074 98.708 912.02 28-Sep-90 Rider -1.40 -0.152 98.556 910.61 31-Dec-90 EEB -0.71 -0.074 98.482 950.98 31-Dec-90 Rider -1.42 -0.147 98.335 949.56 25-Jan-91 Contract 0.00 0.000 98.335 968.12 28-Mar-91 EEB -0.78 -0.074 98.261 1037.73 28-Mar-91 Rider -1.45 -0.137 98.124 1036.29 28-Jun-91 EEB -0.76 -0.074 98.050 1013.77 28-Jun-91 Rider -1.47 -0.142 97.908 1012.30 30-Sep-91 EEB -0.83 -0.074 97.834 1101.08 30-Sep-91 Rider -1.50 -0.133 97.701 1099.58 31-Dec-91 EEB -0.89 -0.073 97.628 1189.96 31-Dec-91 Rider -1.52 -0.125 97.503 1188.44 24-Jan-92 Contract 0.00 0.000 97.503 1199.70 31-Mar-92 EEB -0.88 -0.073 97.430 1167.70 31-Mar-92 Rider -1.55 -0.129 97.301 1166.15 30-Jun-92 EEB -0.85 -0.073 97.228 1127.48 30-Jun-92 Rider -1.58 -0.136 97.092 1125.90 30-Sep-92 EEB -0.87 -0.073 97.019 1153.69 30-Sep-92 Rider -1.60 -0.135 96.884 1152.08 31-Dec-92 EEB -0.92 -0.073 96.811 1227.15 31-Dec-92 Rider -1.63 -0.129 96.682 1225.51 25-Jan-93 Contract 0.00 0.000 96.682 1246.38 31-Mar-93 EEB -0.94 -0.073 96.609 1247.60 31-Mar-93 Rider -1.66 -0.129 96.480 1245.94 30-Jun-93 EEB -0.94 -0.072 96.408 1253.04 30-Jun-93 Rider -1.69 -0.130 96.278 1251.35 30-Sep-93 EEB -0.98 -0.072 96.206 1305.56 30-Sep-93 Rider -1.72 -0.127 96.079 1303.84 31-Dec-93 EEB -0.96 -0.072 96.007 1281.82 31-Dec-93 Rider -1.75 -0.131 95.876 1280.08 25-Jan-94 Contract 0.00 0.000 95.876 1292.98 31-Mar-94 EEB -0.92 -0.072 95.804 1219.55 31-Mar-94 Rider -1.77 -0.139 95.665 1217.78 30-Jun-94 EEB -0.87 -0.072 95.593 1154.05 30-Jun-94 Rider -1.80 -0.149 95.444 1152.25 30-Sep-94 EEB -0.88 -0.071 95.373 1176.14 30-Sep-94 Rider -1.84 -0.149 95.224 1174.30 30-Dec-94 EEB -0.87 -0.072 95.152 1153.39 30-Dec-94 Rider -1.87 -0.154 94.998 1151.53 25-Jan-95 Contract 0.00 0.000 94.998 1154.70 31-Mar-95 EEB -0.90 -0.071 94.927 1195.48 31-Mar-95 Rider -1.90 -0.151 94.776 1193.58 30-Jun-95 EEB -0.95 -0.071 94.705 1262.13 30-Jun-95 Rider -1.93 -0.145 94.560 1260.20 29-Sep-95 EEB -0.99 -0.071 94.489 1317.18 29-Sep-95 Rider -1.96 -0.141 94.348 1315.22 29-Dec-95 EEB -1.01 -0.071 94.277 1350.63 29-Dec-95 Rider -2.00 -0.140 94.137 1348.63 25-Jan-96 Contract 0.00 0.000 94.137 1359.22 29-Mar-96 EEB -1.05 -0.071 94.066 1398.88 29-Mar-96 Rider -2.03 -0.137 93.929 1396.85 28-Jun-96 EEB -1.06 -0.070 93.859 1418.38 28-Jun-96 Rider -2.07 -0.137 93.722 1416.31 30-Sep-96 EEB -1.09 -0.070 93.652 1454.05 30-Sep-96 Rider -2.10 -0.135 93.517 1451.95 31-Dec-96 EEB -1.14 -0.070 93.447 1524.99 31-Dec-96 Rider -2.14 -0.131 93.316 1522.86 24-Jan-97 Contract 0.00 0.000 93.316 1533.06 31-Mar-97 EEB -1.14 -0.070 93.246 1516.85 31-Mar-97 Rider -2.17 -0.133 93.113 1514.68 30-Jun-97 EEB -1.22 -0.070 93.043 1626.31 30-Jun-97 Rider -2.21 -0.126 92.917 1624.11 30-Sep-97 EEB -1.27 -0.070 92.847 1691.85 30-Sep-97 Rider -2.25 -0.123 92.724 1689.61 31-Dec-97 EEB -1.28 -0.069 92.655 1707.60 31-Dec-97 Rider -2.29 -0.124 92.531 1705.32 23-Jan-98 Contract 0.00 0.000 92.531 1696.55 31-Mar-98 EEB -1.36 -0.070 92.461 1808.31 31-Mar-98 Rider -2.33 -0.119 92.342 1805.98 30-Jun-98 EEB -1.33 -0.069 92.273 1776.93 30-Jun-98 Rider -2.37 -0.123 92.150 1774.56 30-Sep-98 EEB -1.28 -0.069 92.081 1711.75 30-Sep-98 Rider -2.41 -0.130 91.951 1709.33 31-Dec-98 EEB -1.32 -0.069 91.882 1755.56 31-Dec-98 Rider -2.45 -0.128 91.754 1753.12 25-Jan-99 Contract 0.00 0.000 91.754 1734.48 31-Mar-99 EEB -1.28 -0.069 91.685 1710.63 31-Mar-99 Rider -2.49 -0.133 91.552 1708.15 30-Jun-99 EEB -1.41 -0.069 91.483 1880.73 30-Jun-99 Rider -2.53 -0.123 91.360 1878.20 30-Sep-99 EEB -1.39 -0.069 91.291 1851.00 30-Sep-99 Rider -2.58 -0.127 91.164 1848.42 31-Dec-99 EEB -1.37 -0.068 91.096 1822.01 31-Dec-99 Rider -2.62 -0.131 90.965 1819.38 25-Jan-00 Contract 0.00 0.000 90.965 1786.56 31-Mar-00 EEB -1.37 -0.068 90.897 1824.06 31-Mar-00 Rider -2.66 -0.133 90.764 1821.39 30-Jun-00 EEB -1.40 -0.068 90.696 1868.88 30-Jun-00 Rider -2.71 -0.132 90.564 1866.16 29-Sep-00 EEB -1.50 -0.068 90.496 1997.00 29-Sep-00 Rider -2.76 -0.125 90.371 1994.24 29-Dec-00 EEB -1.62 -0.068 90.303 2156.93 29-Dec-00 Rider -2.80 -0.117 90.186 2154.13 29-Dec-00 Surrender 0.00 0.000 90.186 2154.13 Avg Annual Total Return: 6.64% 11.93150685 6.64% Fully Managed 210 Basis Point w/rider 1 Yr Computation IIE Base Invest Activity Shares Value 31-Dec-99 Purchase 20.00093378 $1,000.00 1000.00 49.998 49.998 1000.01 31-Mar-00 EEB 20.06732407 $1,017.01 -0.75 -0.037 49.961 1002.58 31-Mar-00 Rider 20.06732407 $1,017.01 -1.27 -0.063 49.898 1001.32 30-Jun-00 EEB 20.60603509 $1,034.31 -0.77 -0.037 49.861 1027.44 30-Jun-00 Rider 20.60603509 $1,034.31 -1.29 -0.063 49.798 1026.14 29-Sep-00 EEB 22.06728325 $1,051.91 -0.82 -0.037 49.761 1098.09 29-Sep-00 Rider 22.06728325 $1,051.91 -1.31 -0.059 49.702 1096.79 29-Dec-00 EEB 23.88544230 $1,069.80 -0.89 -0.037 49.665 1186.27 29-Dec-00 Rider 23.88544230 $1,069.80 -1.34 -0.056 49.609 1184.93 29-Dec-00 Contract 23.88544230 $1,069.80 -0.38 -0.016 49.593 1184.55 29-Dec-00 Surrender 23.88544230 6% -60.00 -2.512 47.081 1124.55 Avg Annual Total Return: w/o surrender 18.45% 1.00000000 w/surrender 12.45% (continued) Fully Managed 210 Basis Point w/o rider 1 Yr Computation Invest Activity Shares Value 31-Dec-99 Purchase 1000.00 49.998 49.998 1000.01 31-Mar-00 EEB 0.00 0.000 49.998 1003.33 31-Mar-00 Rider 0.00 0.000 49.998 1003.33 30-Jun-00 EEB 0.00 0.000 49.998 1030.26 30-Jun-00 Rider 0.00 0.000 49.998 1030.26 29-Sep-00 EEB 0.00 0.000 49.998 1103.32 29-Sep-00 Rider 0.00 0.000 49.998 1103.32 29-Dec-00 EEB 0.00 0.000 49.998 1194.22 29-Dec-00 Rider 0.00 0.000 49.998 1194.22 29-Dec-00 Contract -0.38 -0.016 49.982 1193.84 29-Dec-00 Surrender -60.00 -2.512 47.470 1133.84 Avg Annual Total Return: 19.38% 1.00000000 13.38% (continued) Fully Managed 210 Basis Point w/rider w/o contract 1 Yr Computation Invest Activity Shares Value 31-Dec-99 Purchase 1000.00 49.998 49.998 1000.01 31-Mar-00 EEB -0.75 -0.037 49.961 1002.58 31-Mar-00 Rider -1.27 -0.063 49.898 1001.32 30-Jun-00 EEB -0.77 -0.037 49.861 1027.44 30-Jun-00 Rider -1.29 -0.063 49.798 1026.14 29-Sep-00 EEB -0.82 -0.037 49.761 1098.09 29-Sep-00 Rider -1.31 -0.059 49.702 1096.79 29-Dec-00 EEB -0.89 -0.037 49.665 1186.27 29-Dec-00 Rider -1.34 -0.056 49.609 1184.93 29-Dec-00 Contract 0.00 0.000 49.609 1184.93 29-Dec-00 Surrender -60.00 -2.512 47.097 1124.93 Avg Annual Total Return: 18.49% 1.00000000 12.49% Fully Managed 210 Basis Point w/rider 5 Yr Computation IIE Base Invest Activity Shares Value 29-Dec-95 Purchase 14.32622911 $1,000.00 1000.00 69.802 69.802 1000.00 29-Mar-96 EEB 14.87131171 $1,017.01 -0.78 -0.052 69.750 1037.27 29-Mar-96 Rider 14.87131171 $1,017.01 -1.27 -0.085 69.665 1036.01 28-Jun-96 EEB 15.11186282 $1,034.31 -0.79 -0.052 69.613 1051.98 28-Jun-96 Rider 15.11186282 $1,034.31 -1.29 -0.085 69.528 1050.70 30-Sep-96 EEB 15.52606241 $1,052.49 -0.81 -0.052 69.476 1078.69 30-Sep-96 Rider 15.52606241 $1,052.49 -1.32 -0.085 69.391 1077.37 31-Dec-96 EEB 16.31934896 $1,070.59 -0.85 -0.052 69.339 1131.57 31-Dec-96 Rider 16.31934896 $1,070.59 -1.34 -0.082 69.257 1130.23 31-Dec-96 Contract 16.31934896 $1,070.59 -0.38 -0.023 69.234 1129.85 31-Mar-97 EEB 16.26715203 $1,088.60 -0.84 -0.052 69.182 1125.39 31-Mar-97 Rider 16.26715203 $1,088.60 -1.36 -0.084 69.098 1124.03 30-Jun-97 EEB 17.47911520 $1,107.12 -0.91 -0.052 69.046 1206.86 30-Jun-97 Rider 17.47911520 $1,107.12 -1.38 -0.079 68.967 1205.48 30-Sep-97 EEB 18.22195871 $1,126.16 -0.94 -0.052 68.915 1255.77 30-Sep-97 Rider 18.22195871 $1,126.16 -1.41 -0.077 68.838 1254.36 31-Dec-97 EEB 18.42969033 $1,145.53 -0.95 -0.052 68.786 1267.70 31-Dec-97 Rider 18.42969033 $1,145.53 -1.43 -0.078 68.708 1266.27 31-Dec-97 Contract 18.42969033 $1,145.53 -0.38 -0.021 68.687 1265.88 31-Mar-98 EEB 19.55753558 $1,164.80 -1.01 -0.052 68.635 1342.33 31-Mar-98 Rider 19.55753558 $1,164.80 -1.46 -0.075 68.560 1340.86 30-Jun-98 EEB 19.25730496 $1,184.61 -0.99 -0.051 68.509 1319.30 30-Jun-98 Rider 19.25730496 $1,184.61 -1.48 -0.077 68.432 1317.82 30-Sep-98 EEB 18.58959832 $1,204.99 -0.95 -0.051 68.381 1271.18 30-Sep-98 Rider 18.58959832 $1,204.99 -1.51 -0.081 68.300 1269.67 31-Dec-98 EEB 19.10669594 $1,225.72 -0.98 -0.051 68.249 1304.01 31-Dec-98 Rider 19.10669594 $1,225.72 -1.53 -0.080 68.169 1302.48 31-Dec-98 Contract 19.10669594 $1,225.72 -0.38 -0.020 68.149 1302.10 31-Mar-99 EEB 18.65765979 $1,246.34 -0.95 -0.051 68.098 1270.55 31-Mar-99 Rider 18.65765979 $1,246.34 -1.56 -0.084 68.014 1268.98 30-Jun-99 EEB 20.55822039 $1,267.54 -1.05 -0.051 67.963 1397.20 30-Jun-99 Rider 20.55822039 $1,267.54 -1.58 -0.077 67.886 1395.62 30-Sep-99 EEB 20.27582070 $1,289.34 -1.03 -0.051 67.835 1375.41 30-Sep-99 Rider 20.27582070 $1,289.34 -1.61 -0.079 67.756 1373.81 31-Dec-99 EEB 20.00093378 $1,311.52 -1.02 -0.051 67.705 1354.16 31-Dec-99 Rider 20.00093378 $1,311.52 -1.64 -0.082 67.623 1352.52 31-Dec-99 Contract 20.00093378 $1,311.52 -0.38 -0.019 67.604 1352.14 31-Mar-00 EEB 20.06732407 $1,333.83 -1.02 -0.051 67.553 1355.61 31-Mar-00 Rider 20.06732407 $1,333.83 -1.67 -0.083 67.470 1353.94 30-Jun-00 EEB 20.60603509 $1,356.52 -1.04 -0.050 67.420 1389.26 30-Jun-00 Rider 20.60603509 $1,356.52 -1.70 -0.083 67.337 1387.55 29-Sep-00 EEB 22.06728325 $1,379.60 -1.11 -0.050 67.287 1484.84 29-Sep-00 Rider 22.06728325 $1,379.60 -1.72 -0.078 67.209 1483.12 29-Dec-00 EEB 23.88544230 $1,403.07 -1.20 -0.050 67.159 1604.12 29-Dec-00 Rider 23.88544230 $1,403.07 -1.75 -0.073 67.086 1602.38 29-Dec-00 Contract 23.88544230 $1,403.07 -0.38 -0.016 67.070 1602.00 29-Dec-00 Surrender 23.88544230 0% 0.00 0.000 67.070 1602.00 Avg Annual Total Return: w/o surrender 9.88% 5.00000000 w/surrender 9.88% (continued) Fully Managed 210 Basis Point w/o rider 5 Yr Computation Invest Activity Shares Value 29-Dec-95 Purchase 1000.00 69.802 69.802 1000.00 29-Mar-96 EEB 0.00 0.000 69.802 1038.05 29-Mar-96 Rider 0.00 0.000 69.802 1038.05 28-Jun-96 EEB 0.00 0.000 69.802 1054.84 28-Jun-96 Rider 0.00 0.000 69.802 1054.84 30-Sep-96 EEB 0.00 0.000 69.802 1083.75 30-Sep-96 Rider 0.00 0.000 69.802 1083.75 31-Dec-96 EEB 0.00 0.000 69.802 1139.12 31-Dec-96 Rider 0.00 0.000 69.802 1139.12 31-Dec-96 Contract -0.38 -0.023 69.779 1138.75 31-Mar-97 EEB 0.00 0.000 69.779 1135.11 31-Mar-97 Rider 0.00 0.000 69.779 1135.11 30-Jun-97 EEB 0.00 0.000 69.779 1219.68 30-Jun-97 Rider 0.00 0.000 69.779 1219.68 30-Sep-97 EEB 0.00 0.000 69.779 1271.51 30-Sep-97 Rider 0.00 0.000 69.779 1271.51 31-Dec-97 EEB 0.00 0.000 69.779 1286.01 31-Dec-97 Rider 0.00 0.000 69.779 1286.01 31-Dec-97 Contract -0.38 -0.021 69.758 1285.62 31-Mar-98 EEB 0.00 0.000 69.758 1364.29 31-Mar-98 Rider 0.00 0.000 69.758 1364.29 30-Jun-98 EEB 0.00 0.000 69.758 1343.35 30-Jun-98 Rider 0.00 0.000 69.758 1343.35 30-Sep-98 EEB 0.00 0.000 69.758 1296.77 30-Sep-98 Rider 0.00 0.000 69.758 1296.77 31-Dec-98 EEB 0.00 0.000 69.758 1332.84 31-Dec-98 Rider 0.00 0.000 69.758 1332.84 31-Dec-98 Contract -0.38 -0.020 69.738 1332.46 31-Mar-99 EEB 0.00 0.000 69.738 1301.15 31-Mar-99 Rider 0.00 0.000 69.738 1301.15 30-Jun-99 EEB 0.00 0.000 69.738 1433.69 30-Jun-99 Rider 0.00 0.000 69.738 1433.69 30-Sep-99 EEB 0.00 0.000 69.738 1414.00 30-Sep-99 Rider 0.00 0.000 69.738 1414.00 31-Dec-99 EEB 0.00 0.000 69.738 1394.83 31-Dec-99 Rider 0.00 0.000 69.738 1394.83 31-Dec-99 Contract -0.38 -0.019 69.719 1394.45 31-Mar-00 EEB 0.00 0.000 69.719 1399.07 31-Mar-00 Rider 0.00 0.000 69.719 1399.07 30-Jun-00 EEB 0.00 0.000 69.719 1436.63 30-Jun-00 Rider 0.00 0.000 69.719 1436.63 29-Sep-00 EEB 0.00 0.000 69.719 1538.51 29-Sep-00 Rider 0.00 0.000 69.719 1538.51 29-Dec-00 EEB 0.00 0.000 69.719 1665.27 29-Dec-00 Rider 0.00 0.000 69.719 1665.27 29-Dec-00 Contract -0.38 -0.016 69.703 1664.89 29-Dec-00 Surrender 0.00 0.000 69.703 1664.89 Avg Annual Total Return: 10.73% 5.00000000 10.73% (contnued) Fully Managed 210 Basis Point w/rider w/o contract 5 Yr Computation Invest Activity Shares Value 29-Dec-95 Purchase 1000.00 69.802 69.802 1000.00 29-Mar-96 EEB -0.78 -0.052 69.750 1037.27 29-Mar-96 Rider -1.27 -0.085 69.665 1036.01 28-Jun-96 EEB -0.79 -0.052 69.613 1051.98 28-Jun-96 Rider -1.29 -0.085 69.528 1050.70 30-Sep-96 EEB -0.81 -0.052 69.476 1078.69 30-Sep-96 Rider -1.32 -0.085 69.391 1077.37 31-Dec-96 EEB -0.85 -0.052 69.339 1131.57 31-Dec-96 Rider -1.34 -0.082 69.257 1130.23 31-Dec-96 Contract 0.00 0.000 69.257 1130.23 31-Mar-97 EEB -0.84 -0.052 69.205 1125.77 31-Mar-97 Rider -1.36 -0.084 69.121 1124.40 30-Jun-97 EEB -0.91 -0.052 69.069 1207.27 30-Jun-97 Rider -1.38 -0.079 68.990 1205.88 30-Sep-97 EEB -0.94 -0.052 68.938 1256.19 30-Sep-97 Rider -1.41 -0.077 68.861 1254.78 31-Dec-97 EEB -0.95 -0.052 68.809 1268.13 31-Dec-97 Rider -1.43 -0.078 68.731 1266.69 31-Dec-97 Contract 0.00 0.000 68.731 1266.69 31-Mar-98 EEB -1.01 -0.052 68.679 1343.19 31-Mar-98 Rider -1.46 -0.075 68.604 1341.73 30-Jun-98 EEB -0.99 -0.051 68.553 1320.15 30-Jun-98 Rider -1.48 -0.077 68.476 1318.66 30-Sep-98 EEB -0.95 -0.051 68.425 1271.99 30-Sep-98 Rider -1.51 -0.081 68.344 1270.49 31-Dec-98 EEB -0.98 -0.051 68.293 1304.85 31-Dec-98 Rider -1.53 -0.080 68.213 1303.33 31-Dec-98 Contract 0.00 0.000 68.213 1303.33 31-Mar-99 EEB -0.95 -0.051 68.162 1271.74 31-Mar-99 Rider -1.56 -0.084 68.078 1270.18 30-Jun-99 EEB -1.05 -0.051 68.027 1398.51 30-Jun-99 Rider -1.58 -0.077 67.950 1396.93 30-Sep-99 EEB -1.03 -0.051 67.899 1376.71 30-Sep-99 Rider -1.61 -0.079 67.820 1375.11 31-Dec-99 EEB -1.02 -0.051 67.769 1355.44 31-Dec-99 Rider -1.64 -0.082 67.687 1353.80 31-Dec-99 Contract 0.00 0.000 67.687 1353.80 31-Mar-00 EEB -1.02 -0.051 67.636 1357.27 31-Mar-00 Rider -1.67 -0.083 67.553 1355.61 30-Jun-00 EEB -1.04 -0.050 67.503 1390.97 30-Jun-00 Rider -1.70 -0.083 67.420 1389.26 29-Sep-00 EEB -1.12 -0.051 67.369 1486.65 29-Sep-00 Rider -1.72 -0.078 67.291 1484.93 29-Dec-00 EEB -1.21 -0.051 67.240 1606.06 29-Dec-00 Rider -1.75 -0.073 67.167 1604.31 29-Dec-00 Contract 0.00 0.000 67.167 1604.31 29-Dec-00 Surrender 0.00 0.000 67.167 1604.31 Avg Annual Total Return: 9.92% 5.00000000 9.92% Fully Managed 210 Basis Point w/rider 10 Year Computation IIE Base Invest Activity Shares Value 31-Dec-90 Purchase 9.65637191 $1,000.00 1000.00 103.559 103.559 1000.00 28-Mar-91 EEB 10.56100488 $1,016.26 -0.82 -0.078 103.481 1092.86 28-Mar-91 Rider 10.56100488 $1,016.26 -1.27 -0.120 103.361 1091.60 28-Jun-91 EEB 10.33932293 $1,033.74 -0.80 -0.077 103.284 1067.89 28-Jun-91 Rider 10.33932293 $1,033.74 -1.29 -0.125 103.159 1066.59 30-Sep-91 EEB 11.25457070 $1,051.91 -0.87 -0.077 103.082 1160.14 30-Sep-91 Rider 11.25457070 $1,051.91 -1.31 -0.116 102.966 1158.84 31-Dec-91 EEB 12.18870774 $1,070.00 -0.94 -0.077 102.889 1254.08 31-Dec-91 Rider 12.18870774 $1,070.00 -1.34 -0.110 102.779 1252.74 31-Dec-91 Contract 12.18870774 $1,070.00 -0.38 -0.031 102.748 1252.37 31-Mar-92 EEB 11.98497196 $1,088.20 -0.92 -0.077 102.671 1230.51 31-Mar-92 Rider 11.98497196 $1,088.20 -1.36 -0.113 102.558 1229.15 30-Jun-92 EEB 11.59624358 $1,106.71 -0.89 -0.077 102.481 1188.39 30-Jun-92 Rider 11.59624358 $1,106.71 -1.38 -0.119 102.362 1187.01 30-Sep-92 EEB 11.89137375 $1,125.75 -0.91 -0.077 102.285 1216.31 30-Sep-92 Rider 11.89137375 $1,125.75 -1.41 -0.119 102.166 1214.89 31-Dec-92 EEB 12.67569648 $1,145.11 -0.97 -0.077 102.089 1294.05 31-Dec-92 Rider 12.67569648 $1,145.11 -1.43 -0.113 101.976 1292.62 31-Dec-92 Contract 12.67569648 $1,145.11 -0.38 -0.030 101.946 1292.24 31-Mar-93 EEB 12.91394249 $1,164.37 -0.99 -0.077 101.869 1315.53 31-Mar-93 Rider 12.91394249 $1,164.37 -1.46 -0.113 101.756 1314.07 30-Jun-93 EEB 12.99730461 $1,184.18 -0.99 -0.076 101.680 1321.57 30-Jun-93 Rider 12.99730461 $1,184.18 -1.48 -0.114 101.566 1320.08 30-Sep-93 EEB 13.57049961 $1,204.55 -1.03 -0.076 101.490 1377.27 30-Sep-93 Rider 13.57049961 $1,204.55 -1.51 -0.111 101.379 1375.76 31-Dec-93 EEB 13.35136898 $1,225.27 -1.02 -0.076 101.303 1352.53 31-Dec-93 Rider 13.35136898 $1,225.27 -1.53 -0.115 101.188 1351.00 31-Dec-93 Contract 13.35136898 $1,225.27 -0.38 -0.028 101.160 1350.62 31-Mar-94 EEB 12.72963491 $1,245.88 -0.97 -0.076 101.084 1286.76 31-Mar-94 Rider 12.72963491 $1,245.88 -1.56 -0.123 100.961 1285.20 30-Jun-94 EEB 12.07254985 $1,267.07 -0.91 -0.075 100.886 1217.95 30-Jun-94 Rider 12.07254985 $1,267.07 -1.58 -0.131 100.755 1216.37 30-Sep-94 EEB 12.33197410 $1,288.86 -0.93 -0.075 100.680 1241.58 30-Sep-94 Rider 12.33197410 $1,288.86 -1.61 -0.131 100.549 1239.97 30-Dec-94 EEB 12.12160115 $1,310.79 -0.91 -0.075 100.474 1217.91 30-Dec-94 Rider 12.12160115 $1,310.79 -1.64 -0.135 100.339 1216.27 30-Dec-94 Contract 12.12160115 $1,310.79 -0.38 -0.031 100.308 1215.89 31-Mar-95 EEB 12.59365306 $1,333.09 -0.95 -0.075 100.233 1262.30 31-Mar-95 Rider 12.59365306 $1,333.09 -1.67 -0.133 100.100 1260.62 30-Jun-95 EEB 13.32698165 $1,355.77 -1.00 -0.075 100.025 1333.03 30-Jun-95 Rider 13.32698165 $1,355.77 -1.69 -0.127 99.898 1331.34 29-Sep-95 EEB 13.94005435 $1,378.83 -1.04 -0.075 99.823 1391.54 29-Sep-95 Rider 13.94005435 $1,378.83 -1.72 -0.123 99.700 1389.82 29-Dec-95 EEB 14.32622911 $1,402.29 -1.07 -0.075 99.625 1427.25 29-Dec-95 Rider 14.32622911 $1,402.29 -1.75 -0.122 99.503 1425.50 29-Dec-95 Contract 14.32622911 $1,402.29 -0.38 -0.027 99.476 1425.12 29-Mar-96 EEB 14.87131171 $1,426.14 -1.11 -0.075 99.401 1478.22 29-Mar-96 Rider 14.87131171 $1,426.14 -1.78 -0.120 99.281 1476.44 28-Jun-96 EEB 15.11186282 $1,450.40 -1.13 -0.075 99.206 1499.19 28-Jun-96 Rider 15.11186282 $1,450.40 -1.81 -0.120 99.086 1497.37 30-Sep-96 EEB 15.52606241 $1,475.89 -1.15 -0.074 99.012 1537.27 30-Sep-96 Rider 15.52606241 $1,475.89 -1.84 -0.119 98.893 1535.42 31-Dec-96 EEB 16.31934896 $1,501.28 -1.21 -0.074 98.819 1612.66 31-Dec-96 Rider 16.31934896 $1,501.28 -1.88 -0.115 98.704 1610.79 31-Dec-96 Contract 16.31934896 $1,501.28 -0.38 -0.023 98.681 1610.41 31-Mar-97 EEB 16.26715203 $1,526.54 -1.20 -0.074 98.607 1604.06 31-Mar-97 Rider 16.26715203 $1,526.54 -1.91 -0.117 98.490 1602.15 30-Jun-97 EEB 17.47911520 $1,552.51 -1.29 -0.074 98.416 1720.22 30-Jun-97 Rider 17.47911520 $1,552.51 -1.94 -0.111 98.305 1718.28 30-Sep-97 EEB 18.22195871 $1,579.21 -1.34 -0.074 98.231 1789.96 30-Sep-97 Rider 18.22195871 $1,579.21 -1.97 -0.108 98.123 1787.99 31-Dec-97 EEB 18.42969033 $1,606.37 -1.36 -0.074 98.049 1807.01 31-Dec-97 Rider 18.42969033 $1,606.37 -2.01 -0.109 97.940 1805.00 31-Dec-97 Contract 18.42969033 $1,606.37 -0.38 -0.021 97.919 1804.62 31-Mar-98 EEB 19.55753558 $1,633.39 -1.44 -0.074 97.845 1913.61 31-Mar-98 Rider 19.55753558 $1,633.39 -2.04 -0.104 97.741 1911.57 30-Jun-98 EEB 19.25730496 $1,661.18 -1.41 -0.073 97.668 1880.82 30-Jun-98 Rider 19.25730496 $1,661.18 -2.08 -0.108 97.560 1878.74 30-Sep-98 EEB 18.58959832 $1,689.75 -1.36 -0.073 97.487 1812.24 30-Sep-98 Rider 18.58959832 $1,689.75 -2.11 -0.114 97.373 1810.12 31-Dec-98 EEB 19.10669594 $1,718.81 -1.40 -0.073 97.300 1859.08 31-Dec-98 Rider 19.10669594 $1,718.81 -2.15 -0.113 97.187 1856.92 31-Dec-98 Contract 19.10669594 $1,718.81 -0.38 -0.020 97.167 1856.54 31-Mar-99 EEB 18.65765979 $1,747.73 -1.36 -0.073 97.094 1811.55 31-Mar-99 Rider 18.65765979 $1,747.73 -2.18 -0.117 96.977 1809.36 30-Jun-99 EEB 20.55822039 $1,777.46 -1.50 -0.073 96.904 1992.17 30-Jun-99 Rider 20.55822039 $1,777.46 -2.22 -0.108 96.796 1989.95 30-Sep-99 EEB 20.27582070 $1,808.03 -1.47 -0.073 96.723 1961.14 30-Sep-99 Rider 20.27582070 $1,808.03 -2.26 -0.111 96.612 1958.89 31-Dec-99 EEB 20.00093378 $1,839.13 -1.45 -0.072 96.540 1930.89 31-Dec-99 Rider 20.00093378 $1,839.13 -2.30 -0.115 96.425 1928.59 31-Dec-99 Contract 20.00093378 $1,839.13 -0.38 -0.019 96.406 1928.21 31-Mar-00 EEB 20.06732407 $1,870.42 -1.45 -0.072 96.334 1933.17 31-Mar-00 Rider 20.06732407 $1,870.42 -2.34 -0.117 96.217 1930.82 30-Jun-00 EEB 20.60603509 $1,902.24 -1.49 -0.072 96.145 1981.17 30-Jun-00 Rider 20.60603509 $1,902.24 -2.38 -0.116 96.029 1978.78 29-Sep-00 EEB 22.06728325 $1,934.60 -1.59 -0.072 95.957 2117.51 29-Sep-00 Rider 22.06728325 $1,934.60 -2.42 -0.110 95.847 2115.08 29-Dec-00 EEB 23.88544230 $1,967.51 -1.72 -0.072 95.775 2287.63 29-Dec-00 Rider 23.88544230 $1,967.51 -2.46 -0.103 95.672 2285.17 29-Dec-00 Contract 23.88544230 $1,967.51 -0.38 -0.016 95.656 2284.79 29-Dec-00 Surrender 23.88544230 0% 0.00 0.000 95.656 2284.79 Avg Annual Total Return: w/o surrender 8.61% 10.00000000 w/surrender 8.61% (continued) Fully Managed 210 Basis Point w/o rider 10 Year Computation Invest Activity Shares Value 31-Dec-90 Purchase 1000.00 103.559 103.559 1000.00 28-Mar-91 EEB 0.00 0.000 103.559 1093.69 28-Mar-91 Rider 0.00 0.000 103.559 1093.69 28-Jun-91 EEB 0.00 0.000 103.559 1070.73 28-Jun-91 Rider 0.00 0.000 103.559 1070.73 30-Sep-91 EEB 0.00 0.000 103.559 1165.51 30-Sep-91 Rider 0.00 0.000 103.559 1165.51 31-Dec-91 EEB 0.00 0.000 103.559 1262.25 31-Dec-91 Rider 0.00 0.000 103.559 1262.25 31-Dec-91 Contract -0.38 -0.031 103.528 1261.87 31-Mar-92 EEB 0.00 0.000 103.528 1240.78 31-Mar-92 Rider 0.00 0.000 103.528 1240.78 30-Jun-92 EEB 0.00 0.000 103.528 1200.54 30-Jun-92 Rider 0.00 0.000 103.528 1200.54 30-Sep-92 EEB 0.00 0.000 103.528 1231.09 30-Sep-92 Rider 0.00 0.000 103.528 1231.09 31-Dec-92 EEB 0.00 0.000 103.528 1312.29 31-Dec-92 Rider 0.00 0.000 103.528 1312.29 31-Dec-92 Contract -0.38 -0.030 103.498 1311.91 31-Mar-93 EEB 0.00 0.000 103.498 1336.57 31-Mar-93 Rider 0.00 0.000 103.498 1336.57 30-Jun-93 EEB 0.00 0.000 103.498 1345.20 30-Jun-93 Rider 0.00 0.000 103.498 1345.20 30-Sep-93 EEB 0.00 0.000 103.498 1404.52 30-Sep-93 Rider 0.00 0.000 103.498 1404.52 31-Dec-93 EEB 0.00 0.000 103.498 1381.84 31-Dec-93 Rider 0.00 0.000 103.498 1381.84 31-Dec-93 Contract -0.38 -0.028 103.470 1381.47 31-Mar-94 EEB 0.00 0.000 103.470 1317.14 31-Mar-94 Rider 0.00 0.000 103.470 1317.14 30-Jun-94 EEB 0.00 0.000 103.470 1249.15 30-Jun-94 Rider 0.00 0.000 103.470 1249.15 30-Sep-94 EEB 0.00 0.000 103.470 1275.99 30-Sep-94 Rider 0.00 0.000 103.470 1275.99 30-Dec-94 EEB 0.00 0.000 103.470 1254.22 30-Dec-94 Rider 0.00 0.000 103.470 1254.22 30-Dec-94 Contract -0.38 -0.031 103.439 1253.85 31-Mar-95 EEB 0.00 0.000 103.439 1302.67 31-Mar-95 Rider 0.00 0.000 103.439 1302.67 30-Jun-95 EEB 0.00 0.000 103.439 1378.53 30-Jun-95 Rider 0.00 0.000 103.439 1378.53 29-Sep-95 EEB 0.00 0.000 103.439 1441.95 29-Sep-95 Rider 0.00 0.000 103.439 1441.95 29-Dec-95 EEB 0.00 0.000 103.439 1481.89 29-Dec-95 Rider 0.00 0.000 103.439 1481.89 29-Dec-95 Contract -0.38 -0.027 103.412 1481.50 29-Mar-96 EEB 0.00 0.000 103.412 1537.87 29-Mar-96 Rider 0.00 0.000 103.412 1537.87 28-Jun-96 EEB 0.00 0.000 103.412 1562.75 28-Jun-96 Rider 0.00 0.000 103.412 1562.75 30-Sep-96 EEB 0.00 0.000 103.412 1605.58 30-Sep-96 Rider 0.00 0.000 103.412 1605.58 31-Dec-96 EEB 0.00 0.000 103.412 1687.62 31-Dec-96 Rider 0.00 0.000 103.412 1687.62 31-Dec-96 Contract -0.38 -0.023 103.389 1687.24 31-Mar-97 EEB 0.00 0.000 103.389 1681.84 31-Mar-97 Rider 0.00 0.000 103.389 1681.84 30-Jun-97 EEB 0.00 0.000 103.389 1807.15 30-Jun-97 Rider 0.00 0.000 103.389 1807.15 30-Sep-97 EEB 0.00 0.000 103.389 1883.95 30-Sep-97 Rider 0.00 0.000 103.389 1883.95 31-Dec-97 EEB 0.00 0.000 103.389 1905.43 31-Dec-97 Rider 0.00 0.000 103.389 1905.43 31-Dec-97 Contract -0.38 -0.021 103.368 1905.04 31-Mar-98 EEB 0.00 0.000 103.368 2021.62 31-Mar-98 Rider 0.00 0.000 103.368 2021.62 30-Jun-98 EEB 0.00 0.000 103.368 1990.59 30-Jun-98 Rider 0.00 0.000 103.368 1990.59 30-Sep-98 EEB 0.00 0.000 103.368 1921.57 30-Sep-98 Rider 0.00 0.000 103.368 1921.57 31-Dec-98 EEB 0.00 0.000 103.368 1975.02 31-Dec-98 Rider 0.00 0.000 103.368 1975.02 31-Dec-98 Contract -0.38 -0.020 103.348 1974.64 31-Mar-99 EEB 0.00 0.000 103.348 1928.23 31-Mar-99 Rider 0.00 0.000 103.348 1928.23 30-Jun-99 EEB 0.00 0.000 103.348 2124.65 30-Jun-99 Rider 0.00 0.000 103.348 2124.65 30-Sep-99 EEB 0.00 0.000 103.348 2095.47 30-Sep-99 Rider 0.00 0.000 103.348 2095.47 31-Dec-99 EEB 0.00 0.000 103.348 2067.06 31-Dec-99 Rider 0.00 0.000 103.348 2067.06 31-Dec-99 Contract -0.38 -0.019 103.329 2066.68 31-Mar-00 EEB 0.00 0.000 103.329 2073.54 31-Mar-00 Rider 0.00 0.000 103.329 2073.54 30-Jun-00 EEB 0.00 0.000 103.329 2129.20 30-Jun-00 Rider 0.00 0.000 103.329 2129.20 29-Sep-00 EEB 0.00 0.000 103.329 2280.19 29-Sep-00 Rider 0.00 0.000 103.329 2280.19 29-Dec-00 EEB 0.00 0.000 103.329 2468.06 29-Dec-00 Rider 0.00 0.000 103.329 2468.06 29-Dec-00 Contract -0.38 -0.016 103.313 2467.68 29-Dec-00 Surrender 0.00 0.000 103.313 2467.68 Avg Annual Total Return: 9.45% 10.00000000 9.45% (continued) Fully Managed 210 Basis Point w/rider w/o contract 10 Year Computation Invest Activity Shares Value 31-Dec-90 Purchase 1000.00 103.559 103.559 1000.00 28-Mar-91 EEB -0.82 -0.078 103.481 1092.86 28-Mar-91 Rider -1.27 -0.120 103.361 1091.60 28-Jun-91 EEB -0.80 -0.077 103.284 1067.89 28-Jun-91 Rider -1.29 -0.125 103.159 1066.59 30-Sep-91 EEB -0.87 -0.077 103.082 1160.14 30-Sep-91 Rider -1.31 -0.116 102.966 1158.84 31-Dec-91 EEB -0.94 -0.077 102.889 1254.08 31-Dec-91 Rider -1.34 -0.110 102.779 1252.74 31-Dec-91 Contract 0.00 0.000 102.779 1252.74 31-Mar-92 EEB -0.92 -0.077 102.702 1230.88 31-Mar-92 Rider -1.36 -0.113 102.589 1229.53 30-Jun-92 EEB -0.89 -0.077 102.512 1188.75 30-Jun-92 Rider -1.38 -0.119 102.393 1187.37 30-Sep-92 EEB -0.91 -0.077 102.316 1216.68 30-Sep-92 Rider -1.41 -0.119 102.197 1215.26 31-Dec-92 EEB -0.97 -0.077 102.120 1294.44 31-Dec-92 Rider -1.43 -0.113 102.007 1293.01 31-Dec-92 Contract 0.00 0.000 102.007 1293.01 31-Mar-93 EEB -0.99 -0.077 101.930 1316.32 31-Mar-93 Rider -1.46 -0.113 101.817 1314.86 30-Jun-93 EEB -0.99 -0.076 101.741 1322.36 30-Jun-93 Rider -1.48 -0.114 101.627 1320.88 30-Sep-93 EEB -1.03 -0.076 101.551 1378.10 30-Sep-93 Rider -1.51 -0.111 101.440 1376.59 31-Dec-93 EEB -1.02 -0.076 101.364 1353.35 31-Dec-93 Rider -1.53 -0.115 101.249 1351.81 31-Dec-93 Contract 0.00 0.000 101.249 1351.81 31-Mar-94 EEB -0.97 -0.076 101.173 1287.90 31-Mar-94 Rider -1.56 -0.123 101.050 1286.33 30-Jun-94 EEB -0.91 -0.075 100.975 1219.03 30-Jun-94 Rider -1.58 -0.131 100.844 1217.44 30-Sep-94 EEB -0.93 -0.075 100.769 1242.68 30-Sep-94 Rider -1.61 -0.131 100.638 1241.07 30-Dec-94 EEB -0.91 -0.075 100.563 1218.98 30-Dec-94 Rider -1.64 -0.135 100.428 1217.35 30-Dec-94 Contract 0.00 0.000 100.428 1217.35 31-Mar-95 EEB -0.95 -0.075 100.353 1263.81 31-Mar-95 Rider -1.67 -0.133 100.220 1262.14 30-Jun-95 EEB -1.00 -0.075 100.145 1334.63 30-Jun-95 Rider -1.69 -0.127 100.018 1332.94 29-Sep-95 EEB -1.05 -0.075 99.943 1393.21 29-Sep-95 Rider -1.72 -0.123 99.820 1391.50 29-Dec-95 EEB -1.07 -0.075 99.745 1428.97 29-Dec-95 Rider -1.75 -0.122 99.623 1427.22 29-Dec-95 Contract 0.00 0.000 99.623 1427.22 29-Mar-96 EEB -1.11 -0.075 99.548 1480.41 29-Mar-96 Rider -1.78 -0.120 99.428 1478.62 28-Jun-96 EEB -1.13 -0.075 99.353 1501.41 28-Jun-96 Rider -1.81 -0.120 99.233 1499.60 30-Sep-96 EEB -1.16 -0.075 99.158 1539.53 30-Sep-96 Rider -1.84 -0.119 99.039 1537.69 31-Dec-96 EEB -1.21 -0.074 98.965 1615.04 31-Dec-96 Rider -1.88 -0.115 98.850 1613.17 31-Dec-96 Contract 0.00 0.000 98.850 1613.17 31-Mar-97 EEB -1.21 -0.074 98.776 1606.80 31-Mar-97 Rider -1.91 -0.117 98.659 1604.90 30-Jun-97 EEB -1.29 -0.074 98.585 1723.18 30-Jun-97 Rider -1.94 -0.111 98.474 1721.24 30-Sep-97 EEB -1.35 -0.074 98.400 1793.04 30-Sep-97 Rider -1.97 -0.108 98.292 1791.07 31-Dec-97 EEB -1.36 -0.074 98.218 1810.13 31-Dec-97 Rider -2.01 -0.109 98.109 1808.12 31-Dec-97 Contract 0.00 0.000 98.109 1808.12 31-Mar-98 EEB -1.44 -0.074 98.035 1917.32 31-Mar-98 Rider -2.04 -0.104 97.931 1915.29 30-Jun-98 EEB -1.41 -0.073 97.858 1884.48 30-Jun-98 Rider -2.08 -0.108 97.750 1882.40 30-Sep-98 EEB -1.36 -0.073 97.677 1815.78 30-Sep-98 Rider -2.11 -0.114 97.563 1813.66 31-Dec-98 EEB -1.40 -0.073 97.490 1862.71 31-Dec-98 Rider -2.15 -0.113 97.377 1860.55 31-Dec-98 Contract 0.00 0.000 97.377 1860.55 31-Mar-99 EEB -1.36 -0.073 97.304 1815.46 31-Mar-99 Rider -2.18 -0.117 97.187 1813.28 30-Jun-99 EEB -1.50 -0.073 97.114 1996.49 30-Jun-99 Rider -2.22 -0.108 97.006 1994.27 30-Sep-99 EEB -1.48 -0.073 96.933 1965.40 30-Sep-99 Rider -2.26 -0.111 96.822 1963.15 31-Dec-99 EEB -1.45 -0.072 96.750 1935.09 31-Dec-99 Rider -2.30 -0.115 96.635 1932.79 31-Dec-99 Contract 0.00 0.000 96.635 1932.79 31-Mar-00 EEB -1.45 -0.072 96.563 1937.76 31-Mar-00 Rider -2.34 -0.117 96.446 1935.41 30-Jun-00 EEB -1.49 -0.072 96.374 1985.89 30-Jun-00 Rider -2.38 -0.116 96.258 1983.50 29-Sep-00 EEB -1.59 -0.072 96.186 2122.56 29-Sep-00 Rider -2.42 -0.110 96.076 2120.14 29-Dec-00 EEB -1.72 -0.072 96.004 2293.10 29-Dec-00 Rider -2.46 -0.103 95.901 2290.64 29-Dec-00 Contract 0.00 0.000 95.901 2290.64 29-Dec-00 Surrender 0.00 0.000 95.901 2290.64 Avg Annual Total Return: 8.64% 10.00000000 8.64%