EX-99.B13 20 premplperf.txt SCHEDULE OF PERFORMANCE DATA PREMIUM PLUS MAX 7
Fully Managed 190 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 10.05692342 $1,012.12 -0.75 -0.075 99.925 1004.94 31-Mar-89 Rider 10.05692342 $1,012.12 -1.27 -0.126 99.799 1003.67 30-Jun-89 EEB 10.50241449 $1,029.34 -0.79 -0.075 99.724 1047.34 30-Jun-89 Rider 10.50241449 $1,029.34 -1.29 -0.123 99.601 1046.05 29-Sep-89 EEB 10.63854804 $1,046.85 -0.79 -0.074 99.527 1058.82 29-Sep-89 Rider 10.63854804 $1,046.85 -1.31 -0.123 99.404 1057.51 29-Dec-89 EEB 10.20731706 $1,064.66 -0.76 -0.074 99.330 1013.89 29-Dec-89 Rider 10.20731706 $1,064.66 -1.33 -0.130 99.200 1012.57 25-Jan-90 Contract 9.84171475 $1,070.00 -0.47 -0.048 99.152 975.83 30-Mar-90 EEB 10.00123029 $1,082.77 -0.74 -0.074 99.078 990.90 30-Mar-90 Rider 10.00123029 $1,082.77 -1.35 -0.135 98.943 989.55 29-Jun-90 EEB 10.44501902 $1,101.19 -0.78 -0.075 98.868 1032.68 29-Jun-90 Rider 10.44501902 $1,101.19 -1.38 -0.132 98.736 1031.30 28-Sep-90 EEB 9.27110599 $1,119.92 -0.69 -0.074 98.662 914.71 28-Sep-90 Rider 9.27110599 $1,119.92 -1.40 -0.151 98.511 913.31 31-Dec-90 EEB 9.69444300 $1,139.60 -0.72 -0.074 98.437 954.29 31-Dec-90 Rider 9.69444300 $1,139.60 -1.42 -0.146 98.291 952.88 25-Jan-91 Contract 9.88533555 $1,144.89 -0.47 -0.048 98.243 971.17 28-Mar-91 EEB 10.60777769 $1,158.12 -0.78 -0.074 98.169 1041.35 28-Mar-91 Rider 10.60777769 $1,158.12 -1.45 -0.137 98.032 1039.90 28-Jun-91 EEB 10.39045101 $1,178.04 -0.76 -0.073 97.959 1017.84 28-Jun-91 Rider 10.39045101 $1,178.04 -1.47 -0.141 97.818 1016.37 30-Sep-91 EEB 11.31615535 $1,198.75 -0.83 -0.073 97.745 1106.10 30-Sep-91 Rider 11.31615535 $1,198.75 -1.50 -0.133 97.612 1104.59 31-Dec-91 EEB 12.26168355 $1,219.37 -0.90 -0.073 97.539 1195.99 31-Dec-91 Rider 12.26168355 $1,219.37 -1.52 -0.124 97.415 1194.47 24-Jan-92 Contract 12.37955324 $1,224.81 -0.47 -0.038 97.377 1205.48 31-Mar-92 EEB 12.06282659 $1,240.12 -0.88 -0.073 97.304 1173.76 31-Mar-92 Rider 12.06282659 $1,240.12 -1.55 -0.128 97.176 1172.22 30-Jun-92 EEB 11.67750541 $1,261.22 -0.85 -0.073 97.103 1133.92 30-Jun-92 Rider 11.67750541 $1,261.22 -1.58 -0.135 96.968 1132.34 30-Sep-92 EEB 11.98085137 $1,282.91 -0.87 -0.073 96.895 1160.88 30-Sep-92 Rider 11.98085137 $1,282.91 -1.60 -0.134 96.761 1159.28 31-Dec-92 EEB 12.77762529 $1,304.98 -0.93 -0.073 96.688 1235.44 31-Dec-92 Rider 12.77762529 $1,304.98 -1.63 -0.128 96.560 1233.81 25-Jan-93 Contract 12.99701545 $1,311.04 -0.47 -0.036 96.524 1254.52 31-Mar-93 EEB 13.02432801 $1,326.93 -0.94 -0.072 96.452 1256.22 31-Mar-93 Rider 13.02432801 $1,326.93 -1.66 -0.127 96.325 1254.57 30-Jun-93 EEB 13.11505638 $1,349.50 -0.95 -0.072 96.253 1262.36 30-Jun-93 Rider 13.11505638 $1,349.50 -1.69 -0.129 96.124 1260.67 30-Sep-93 EEB 13.70047162 $1,372.71 -0.99 -0.072 96.052 1315.96 30-Sep-93 Rider 13.70047162 $1,372.71 -1.72 -0.126 95.926 1314.23 31-Dec-93 EEB 13.48616683 $1,396.32 -0.97 -0.072 95.854 1292.70 31-Dec-93 Rider 13.48616683 $1,396.32 -1.75 -0.130 95.724 1290.95 25-Jan-94 Contract 13.62401338 $1,402.81 -0.47 -0.034 95.690 1303.68 31-Mar-94 EEB 12.86461882 $1,419.81 -0.92 -0.072 95.618 1230.09 31-Mar-94 Rider 12.86461882 $1,419.81 -1.77 -0.138 95.480 1228.31 30-Jun-94 EEB 12.20677323 $1,443.96 -0.87 -0.071 95.409 1164.64 30-Jun-94 Rider 12.20677323 $1,443.96 -1.80 -0.147 95.262 1162.84 30-Sep-94 EEB 12.47548375 $1,468.80 -0.89 -0.071 95.191 1187.55 30-Sep-94 Rider 12.47548375 $1,468.80 -1.84 -0.147 95.044 1185.72 30-Dec-94 EEB 12.26889142 $1,493.79 -0.87 -0.071 94.973 1165.21 30-Dec-94 Rider 12.26889142 $1,493.79 -1.87 -0.152 94.821 1163.35 25-Jan-95 Contract 12.30452503 $1,501.01 -0.47 -0.038 94.783 1166.26 31-Mar-95 EEB 12.75315664 $1,519.20 -0.91 -0.071 94.712 1207.88 31-Mar-95 Rider 12.75315664 $1,519.20 -1.90 -0.149 94.563 1205.98 30-Jun-95 EEB 13.50262060 $1,545.04 -0.96 -0.071 94.492 1275.89 30-Jun-95 Rider 13.50262060 $1,545.04 -1.93 -0.143 94.349 1273.96 29-Sep-95 EEB 14.13094054 $1,571.32 -1.00 -0.071 94.278 1332.24 29-Sep-95 Rider 14.13094054 $1,571.32 -1.96 -0.139 94.139 1330.27 29-Dec-95 EEB 14.52977775 $1,598.05 -1.03 -0.071 94.068 1366.79 29-Dec-95 Rider 14.52977775 $1,598.05 -2.00 -0.138 93.930 1364.78 25-Jan-96 Contract 14.64610765 $1,606.07 -0.47 -0.032 93.898 1375.24 29-Mar-96 EEB 15.09025870 $1,625.24 -1.06 -0.070 93.828 1415.89 29-Mar-96 Rider 15.09025870 $1,625.24 -2.03 -0.135 93.693 1413.85 28-Jun-96 EEB 15.34213888 $1,652.89 -1.08 -0.070 93.623 1436.38 28-Jun-96 Rider 15.34213888 $1,652.89 -2.07 -0.135 93.488 1434.31 30-Sep-96 EEB 15.77091726 $1,681.94 -1.11 -0.070 93.418 1473.29 30-Sep-96 Rider 15.77091726 $1,681.94 -2.10 -0.133 93.285 1471.19 31-Dec-96 EEB 16.58521897 $1,710.87 -1.16 -0.070 93.215 1545.99 31-Dec-96 Rider 16.58521897 $1,710.87 -2.14 -0.129 93.086 1543.85 24-Jan-97 Contract 16.69856140 $1,718.50 -0.47 -0.028 93.058 1553.93 31-Mar-97 EEB 16.54048923 $1,739.65 -1.15 -0.070 92.988 1538.07 31-Mar-97 Rider 16.54048923 $1,739.65 -2.17 -0.131 92.857 1535.90 30-Jun-97 EEB 17.78183313 $1,769.24 -1.24 -0.070 92.787 1649.92 30-Jun-97 Rider 17.78183313 $1,769.24 -2.21 -0.124 92.663 1647.72 30-Sep-97 EEB 18.54705427 $1,799.67 -1.29 -0.070 92.593 1717.33 30-Sep-97 Rider 18.54705427 $1,799.67 -2.25 -0.121 92.472 1715.08 31-Dec-97 EEB 18.76812043 $1,830.62 -1.30 -0.069 92.403 1734.23 31-Dec-97 Rider 18.76812043 $1,830.62 -2.29 -0.122 92.281 1731.94 23-Jan-98 Contract 18.67398226 $1,838.44 -0.47 -0.025 92.256 1722.79 31-Mar-98 EEB 19.92667212 $1,861.41 -1.38 -0.069 92.187 1836.98 31-Mar-98 Rider 19.92667212 $1,861.41 -2.33 -0.117 92.070 1834.65 30-Jun-98 EEB 19.63074839 $1,893.08 -1.36 -0.069 92.001 1806.05 30-Jun-98 Rider 19.63074839 $1,893.08 -2.37 -0.121 91.880 1803.67 30-Sep-98 EEB 18.95982926 $1,925.64 -1.31 -0.069 91.811 1740.72 30-Sep-98 Rider 18.95982926 $1,925.64 -2.41 -0.127 91.684 1738.31 31-Dec-98 EEB 19.49723145 $1,958.76 -1.34 -0.069 91.615 1786.24 31-Dec-98 Rider 19.49723145 $1,958.76 -2.45 -0.126 91.489 1783.78 25-Jan-99 Contract 19.29265776 $1,967.86 -0.47 -0.024 91.465 1764.60 31-Mar-99 EEB 19.04858291 $1,991.71 -1.31 -0.069 91.396 1740.96 31-Mar-99 Rider 19.04858291 $1,991.71 -2.49 -0.131 91.265 1738.47 30-Jun-99 EEB 20.99960829 $2,025.59 -1.44 -0.069 91.196 1915.08 30-Jun-99 Rider 20.99960829 $2,025.59 -2.53 -0.120 91.076 1912.56 30-Sep-99 EEB 20.72178142 $2,060.43 -1.42 -0.069 91.007 1885.83 30-Sep-99 Rider 20.72178142 $2,060.43 -2.58 -0.125 90.882 1883.24 31-Dec-99 EEB 20.45134774 $2,095.87 -1.39 -0.068 90.814 1857.27 31-Dec-99 Rider 20.45134774 $2,095.87 -2.62 -0.128 90.686 1854.65 25-Jan-00 Contract 20.08519578 $2,105.61 -0.47 -0.023 90.663 1820.98 31-Mar-00 EEB 20.52966237 $2,131.53 -1.40 -0.068 90.595 1859.88 31-Mar-00 Rider 20.52966237 $2,131.53 -2.66 -0.130 90.465 1857.22 30-Jun-00 EEB 21.09148174 $2,167.79 -1.43 -0.068 90.397 1906.61 30-Jun-00 Rider 21.09148174 $2,167.79 -2.71 -0.128 90.269 1903.91 29-Sep-00 EEB 22.59861282 $2,204.67 -1.53 -0.068 90.201 2038.42 29-Sep-00 Rider 22.59861282 $2,204.67 -2.76 -0.122 90.079 2035.66 29-Dec-00 EEB 24.47294611 $2,242.17 -1.65 -0.067 90.012 2202.86 29-Dec-00 Rider 24.47294611 $2,242.17 -2.80 -0.114 89.898 2200.07 29-Dec-00 Surrender 24.47294611 0% 0.00 0.000 89.898 2200.07 Avg Annual Total Return: w/o surrender 6.83% 11.93150685 w/surrender 6.83% Fully Managed 190 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 1005.69 31-Mar-89 Rider 0.00 0.000 100.000 1005.69 30-Jun-89 EEB 0.00 0.000 100.000 1050.24 30-Jun-89 Rider 0.00 0.000 100.000 1050.24 29-Sep-89 EEB 0.00 0.000 100.000 1063.85 29-Sep-89 Rider 0.00 0.000 100.000 1063.85 29-Dec-89 EEB 0.00 0.000 100.000 1020.73 29-Dec-89 Rider 0.00 0.000 100.000 1020.73 25-Jan-90 Contract -0.47 -0.048 99.952 983.70 30-Mar-90 EEB 0.00 0.000 99.952 999.64 30-Mar-90 Rider 0.00 0.000 99.952 999.64 29-Jun-90 EEB 0.00 0.000 99.952 1044.00 29-Jun-90 Rider 0.00 0.000 99.952 1044.00 28-Sep-90 EEB 0.00 0.000 99.952 926.67 28-Sep-90 Rider 0.00 0.000 99.952 926.67 31-Dec-90 EEB 0.00 0.000 99.952 968.98 31-Dec-90 Rider 0.00 0.000 99.952 968.98 25-Jan-91 Contract -0.47 -0.048 99.904 987.58 28-Mar-91 EEB 0.00 0.000 99.904 1059.76 28-Mar-91 Rider 0.00 0.000 99.904 1059.76 28-Jun-91 EEB 0.00 0.000 99.904 1038.05 28-Jun-91 Rider 0.00 0.000 99.904 1038.05 30-Sep-91 EEB 0.00 0.000 99.904 1130.53 30-Sep-91 Rider 0.00 0.000 99.904 1130.53 31-Dec-91 EEB 0.00 0.000 99.904 1224.99 31-Dec-91 Rider 0.00 0.000 99.904 1224.99 24-Jan-92 Contract -0.47 -0.038 99.866 1236.30 31-Mar-92 EEB 0.00 0.000 99.866 1204.67 31-Mar-92 Rider 0.00 0.000 99.866 1204.67 30-Jun-92 EEB 0.00 0.000 99.866 1166.19 30-Jun-92 Rider 0.00 0.000 99.866 1166.19 30-Sep-92 EEB 0.00 0.000 99.866 1196.48 30-Sep-92 Rider 0.00 0.000 99.866 1196.48 31-Dec-92 EEB 0.00 0.000 99.866 1276.05 31-Dec-92 Rider 0.00 0.000 99.866 1276.05 25-Jan-93 Contract -0.47 -0.036 99.830 1297.49 31-Mar-93 EEB 0.00 0.000 99.830 1300.22 31-Mar-93 Rider 0.00 0.000 99.830 1300.22 30-Jun-93 EEB 0.00 0.000 99.830 1309.28 30-Jun-93 Rider 0.00 0.000 99.830 1309.28 30-Sep-93 EEB 0.00 0.000 99.830 1367.72 30-Sep-93 Rider 0.00 0.000 99.830 1367.72 31-Dec-93 EEB 0.00 0.000 99.830 1346.32 31-Dec-93 Rider 0.00 0.000 99.830 1346.32 25-Jan-94 Contract -0.47 -0.034 99.796 1359.62 31-Mar-94 EEB 0.00 0.000 99.796 1283.84 31-Mar-94 Rider 0.00 0.000 99.796 1283.84 30-Jun-94 EEB 0.00 0.000 99.796 1218.19 30-Jun-94 Rider 0.00 0.000 99.796 1218.19 30-Sep-94 EEB 0.00 0.000 99.796 1245.00 30-Sep-94 Rider 0.00 0.000 99.796 1245.00 30-Dec-94 EEB 0.00 0.000 99.796 1224.39 30-Dec-94 Rider 0.00 0.000 99.796 1224.39 25-Jan-95 Contract -0.47 -0.038 99.758 1227.47 31-Mar-95 EEB 0.00 0.000 99.758 1272.23 31-Mar-95 Rider 0.00 0.000 99.758 1272.23 30-Jun-95 EEB 0.00 0.000 99.758 1346.99 30-Jun-95 Rider 0.00 0.000 99.758 1346.99 29-Sep-95 EEB 0.00 0.000 99.758 1409.67 29-Sep-95 Rider 0.00 0.000 99.758 1409.67 29-Dec-95 EEB 0.00 0.000 99.758 1449.46 29-Dec-95 Rider 0.00 0.000 99.758 1449.46 25-Jan-96 Contract -0.47 -0.032 99.726 1460.60 29-Mar-96 EEB 0.00 0.000 99.726 1504.89 29-Mar-96 Rider 0.00 0.000 99.726 1504.89 28-Jun-96 EEB 0.00 0.000 99.726 1530.01 28-Jun-96 Rider 0.00 0.000 99.726 1530.01 30-Sep-96 EEB 0.00 0.000 99.726 1572.77 30-Sep-96 Rider 0.00 0.000 99.726 1572.77 31-Dec-96 EEB 0.00 0.000 99.726 1653.98 31-Dec-96 Rider 0.00 0.000 99.726 1653.98 24-Jan-97 Contract -0.47 -0.028 99.698 1664.81 31-Mar-97 EEB 0.00 0.000 99.698 1649.05 31-Mar-97 Rider 0.00 0.000 99.698 1649.05 30-Jun-97 EEB 0.00 0.000 99.698 1772.81 30-Jun-97 Rider 0.00 0.000 99.698 1772.81 30-Sep-97 EEB 0.00 0.000 99.698 1849.10 30-Sep-97 Rider 0.00 0.000 99.698 1849.10 31-Dec-97 EEB 0.00 0.000 99.698 1871.14 31-Dec-97 Rider 0.00 0.000 99.698 1871.14 23-Jan-98 Contract -0.47 -0.025 99.673 1861.29 31-Mar-98 EEB 0.00 0.000 99.673 1986.15 31-Mar-98 Rider 0.00 0.000 99.673 1986.15 30-Jun-98 EEB 0.00 0.000 99.673 1956.66 30-Jun-98 Rider 0.00 0.000 99.673 1956.66 30-Sep-98 EEB 0.00 0.000 99.673 1889.78 30-Sep-98 Rider 0.00 0.000 99.673 1889.78 31-Dec-98 EEB 0.00 0.000 99.673 1943.35 31-Dec-98 Rider 0.00 0.000 99.673 1943.35 25-Jan-99 Contract -0.47 -0.024 99.649 1922.49 31-Mar-99 EEB 0.00 0.000 99.649 1898.17 31-Mar-99 Rider 0.00 0.000 99.649 1898.17 30-Jun-99 EEB 0.00 0.000 99.649 2092.59 30-Jun-99 Rider 0.00 0.000 99.649 2092.59 30-Sep-99 EEB 0.00 0.000 99.649 2064.90 30-Sep-99 Rider 0.00 0.000 99.649 2064.90 31-Dec-99 EEB 0.00 0.000 99.649 2037.96 31-Dec-99 Rider 0.00 0.000 99.649 2037.96 25-Jan-00 Contract -0.47 -0.023 99.626 2001.01 31-Mar-00 EEB 0.00 0.000 99.626 2045.29 31-Mar-00 Rider 0.00 0.000 99.626 2045.29 30-Jun-00 EEB 0.00 0.000 99.626 2101.26 30-Jun-00 Rider 0.00 0.000 99.626 2101.26 29-Sep-00 EEB 0.00 0.000 99.626 2251.41 29-Sep-00 Rider 0.00 0.000 99.626 2251.41 29-Dec-00 EEB 0.00 0.000 99.626 2438.14 29-Dec-00 Rider 0.00 0.000 99.626 2438.14 29-Dec-00 Surrender 0.00 0.000 99.626 2438.14 Avg Annual Total Return: 7.76% 11.93150685 7.76% (continued) Fully Managed 190 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 1004.94 31-Mar-89 Rider -1.27 -0.126 99.799 1003.67 30-Jun-89 EEB -0.79 -0.075 99.724 1047.34 30-Jun-89 Rider -1.29 -0.123 99.601 1046.05 29-Sep-89 EEB -0.79 -0.074 99.527 1058.82 29-Sep-89 Rider -1.31 -0.123 99.404 1057.51 29-Dec-89 EEB -0.76 -0.074 99.330 1013.89 29-Dec-89 Rider -1.33 -0.130 99.200 1012.57 25-Jan-90 Contract 0.00 0.000 99.200 976.30 30-Mar-90 EEB -0.74 -0.074 99.126 991.38 30-Mar-90 Rider -1.35 -0.135 98.991 990.03 29-Jun-90 EEB -0.78 -0.075 98.916 1033.18 29-Jun-90 Rider -1.38 -0.132 98.784 1031.80 28-Sep-90 EEB -0.69 -0.074 98.710 915.15 28-Sep-90 Rider -1.40 -0.151 98.559 913.75 31-Dec-90 EEB -0.72 -0.074 98.485 954.76 31-Dec-90 Rider -1.42 -0.146 98.339 953.34 25-Jan-91 Contract 0.00 0.000 98.339 972.11 28-Mar-91 EEB -0.78 -0.074 98.265 1042.37 28-Mar-91 Rider -1.45 -0.137 98.128 1040.92 28-Jun-91 EEB -0.76 -0.073 98.055 1018.84 28-Jun-91 Rider -1.47 -0.141 97.914 1017.37 30-Sep-91 EEB -0.83 -0.073 97.841 1107.18 30-Sep-91 Rider -1.50 -0.133 97.708 1105.68 31-Dec-91 EEB -0.90 -0.073 97.635 1197.17 31-Dec-91 Rider -1.52 -0.124 97.511 1195.65 24-Jan-92 Contract 0.00 0.000 97.511 1207.14 31-Mar-92 EEB -0.88 -0.073 97.438 1175.38 31-Mar-92 Rider -1.55 -0.128 97.310 1173.83 30-Jun-92 EEB -0.85 -0.073 97.237 1135.49 30-Jun-92 Rider -1.58 -0.135 97.102 1133.91 30-Sep-92 EEB -0.87 -0.073 97.029 1162.49 30-Sep-92 Rider -1.60 -0.134 96.895 1160.88 31-Dec-92 EEB -0.93 -0.073 96.822 1237.16 31-Dec-92 Rider -1.63 -0.128 96.694 1235.52 25-Jan-93 Contract 0.00 0.000 96.694 1256.73 31-Mar-93 EEB -0.94 -0.072 96.622 1258.44 31-Mar-93 Rider -1.66 -0.127 96.495 1256.78 30-Jun-93 EEB -0.95 -0.072 96.423 1264.59 30-Jun-93 Rider -1.69 -0.129 96.294 1262.90 30-Sep-93 EEB -0.99 -0.072 96.222 1318.29 30-Sep-93 Rider -1.72 -0.126 96.096 1316.56 31-Dec-93 EEB -0.97 -0.072 96.024 1295.00 31-Dec-93 Rider -1.75 -0.130 95.894 1293.24 25-Jan-94 Contract 0.00 0.000 95.894 1306.46 31-Mar-94 EEB -0.93 -0.072 95.822 1232.71 31-Mar-94 Rider -1.77 -0.138 95.684 1230.94 30-Jun-94 EEB -0.88 -0.072 95.612 1167.11 30-Jun-94 Rider -1.80 -0.147 95.465 1165.32 30-Sep-94 EEB -0.89 -0.071 95.394 1190.09 30-Sep-94 Rider -1.84 -0.147 95.247 1188.25 30-Dec-94 EEB -0.88 -0.072 95.175 1167.69 30-Dec-94 Rider -1.87 -0.152 95.023 1165.83 25-Jan-95 Contract 0.00 0.000 95.023 1169.21 31-Mar-95 EEB -0.91 -0.071 94.952 1210.94 31-Mar-95 Rider -1.90 -0.149 94.803 1209.04 30-Jun-95 EEB -0.96 -0.071 94.732 1279.13 30-Jun-95 Rider -1.93 -0.143 94.589 1277.20 29-Sep-95 EEB -1.00 -0.071 94.518 1335.63 29-Sep-95 Rider -1.96 -0.139 94.379 1333.66 29-Dec-95 EEB -1.03 -0.071 94.308 1370.27 29-Dec-95 Rider -2.00 -0.138 94.170 1368.27 25-Jan-96 Contract 0.00 0.000 94.170 1379.22 29-Mar-96 EEB -1.07 -0.071 94.099 1419.98 29-Mar-96 Rider -2.03 -0.135 93.964 1417.94 28-Jun-96 EEB -1.08 -0.070 93.894 1440.53 28-Jun-96 Rider -2.07 -0.135 93.759 1438.46 30-Sep-96 EEB -1.11 -0.070 93.689 1477.56 30-Sep-96 Rider -2.10 -0.133 93.556 1475.46 31-Dec-96 EEB -1.16 -0.070 93.486 1550.49 31-Dec-96 Rider -2.14 -0.129 93.357 1548.35 24-Jan-97 Contract 0.00 0.000 93.357 1558.93 31-Mar-97 EEB -1.16 -0.070 93.287 1543.01 31-Mar-97 Rider -2.17 -0.131 93.156 1540.85 30-Jun-97 EEB -1.24 -0.070 93.086 1655.24 30-Jun-97 Rider -2.21 -0.124 92.962 1653.03 30-Sep-97 EEB -1.29 -0.070 92.892 1722.87 30-Sep-97 Rider -2.25 -0.121 92.771 1720.63 31-Dec-97 EEB -1.31 -0.070 92.701 1739.82 31-Dec-97 Rider -2.29 -0.122 92.579 1737.53 23-Jan-98 Contract 0.00 0.000 92.579 1728.82 31-Mar-98 EEB -1.38 -0.069 92.510 1843.42 31-Mar-98 Rider -2.33 -0.117 92.393 1841.09 30-Jun-98 EEB -1.36 -0.069 92.324 1812.39 30-Jun-98 Rider -2.37 -0.121 92.203 1810.01 30-Sep-98 EEB -1.31 -0.069 92.134 1746.84 30-Sep-98 Rider -2.41 -0.127 92.007 1744.44 31-Dec-98 EEB -1.35 -0.069 91.938 1792.54 31-Dec-98 Rider -2.45 -0.126 91.812 1790.08 25-Jan-99 Contract 0.00 0.000 91.812 1771.30 31-Mar-99 EEB -1.31 -0.069 91.743 1747.57 31-Mar-99 Rider -2.49 -0.131 91.612 1745.08 30-Jun-99 EEB -1.44 -0.069 91.543 1922.37 30-Jun-99 Rider -2.53 -0.120 91.423 1919.85 30-Sep-99 EEB -1.42 -0.069 91.354 1893.02 30-Sep-99 Rider -2.58 -0.125 91.229 1890.43 31-Dec-99 EEB -1.40 -0.068 91.161 1864.37 31-Dec-99 Rider -2.62 -0.128 91.033 1861.75 25-Jan-00 Contract 0.00 0.000 91.033 1828.42 31-Mar-00 EEB -1.40 -0.068 90.965 1867.48 31-Mar-00 Rider -2.66 -0.130 90.835 1864.81 30-Jun-00 EEB -1.44 -0.068 90.767 1914.41 30-Jun-00 Rider -2.71 -0.128 90.639 1911.71 29-Sep-00 EEB -1.54 -0.068 90.571 2046.78 29-Sep-00 Rider -2.76 -0.122 90.449 2044.02 29-Dec-00 EEB -1.66 -0.068 90.381 2211.89 29-Dec-00 Rider -2.80 -0.114 90.267 2209.10 29-Dec-00 Surrender 0.00 0.000 90.267 2209.10 Avg Annual Total Return: 6.87% 11.93150685 6.87% Fully Managed 190 Basis Point w/rider 1 Yr Computation IIE Base Invest Activity Shares Value 31-Dec-99 Purchase 20.45134774 $1,000.00 1000.00 48.897 48.897 1000.01 31-Mar-00 EEB 20.52966237 $1,017.01 -0.75 -0.037 48.860 1003.08 31-Mar-00 Rider 20.52966237 $1,017.01 -1.27 -0.062 48.798 1001.81 30-Jun-00 EEB 21.09148174 $1,034.31 -0.77 -0.037 48.761 1028.44 30-Jun-00 Rider 21.09148174 $1,034.31 -1.29 -0.061 48.700 1027.16 29-Sep-00 EEB 22.59861282 $1,051.91 -0.83 -0.037 48.663 1099.72 29-Sep-00 Rider 22.59861282 $1,051.91 -1.31 -0.058 48.605 1098.41 29-Dec-00 EEB 24.47294611 $1,069.80 -0.89 -0.036 48.569 1188.63 29-Dec-00 Rider 24.47294611 $1,069.80 -1.34 -0.055 48.514 1187.28 29-Dec-00 Contract 24.47294611 $1,069.80 -0.47 -0.019 48.495 1186.82 29-Dec-00 Surrender 24.47294611 8% -80.00 -3.269 45.226 1106.81 Avg Annual Total Return: w/o surrender 18.68% 1.00000000 w/surrender 10.68% (continued) Fully Managed 190 Basis Point w/o rider 1 Yr Computation Invest Activity Shares Value 31-Dec-99 Purchase 1000.00 48.897 48.897 1000.01 31-Mar-00 EEB 0.00 0.000 48.897 1003.84 31-Mar-00 Rider 0.00 0.000 48.897 1003.84 30-Jun-00 EEB 0.00 0.000 48.897 1031.31 30-Jun-00 Rider 0.00 0.000 48.897 1031.31 29-Sep-00 EEB 0.00 0.000 48.897 1105.00 29-Sep-00 Rider 0.00 0.000 48.897 1105.00 29-Dec-00 EEB 0.00 0.000 48.897 1196.65 29-Dec-00 Rider 0.00 0.000 48.897 1196.65 29-Dec-00 Contract -0.47 -0.019 48.878 1196.19 29-Dec-00 Surrender -80.00 -3.269 45.609 1116.19 Avg Annual Total Return: 19.62% 1.00000000 11.62% (continued) Fully Managed 190 Basis Point w/rider w/o contract 1 Yr Computation Invest Activity Shares Value 31-Dec-99 Purchase 1000.00 48.897 48.897 1000.01 31-Mar-00 EEB -0.75 -0.037 48.860 1003.08 31-Mar-00 Rider -1.27 -0.062 48.798 1001.81 30-Jun-00 EEB -0.77 -0.037 48.761 1028.44 30-Jun-00 Rider -1.29 -0.061 48.700 1027.16 29-Sep-00 EEB -0.83 -0.037 48.663 1099.72 29-Sep-00 Rider -1.31 -0.058 48.605 1098.41 29-Dec-00 EEB -0.89 -0.036 48.569 1188.63 29-Dec-00 Rider -1.34 -0.055 48.514 1187.28 29-Dec-00 Contract 0.00 0.000 48.514 1187.28 29-Dec-00 Surrender -80.00 -3.269 45.245 1107.28 Avg Annual Total Return: 18.73% 1.00000000 10.73% Fully Managed 190 Basis Point w/rider 5 Yr Computation IIE Base Invest Activity Shares Value 29-Dec-95 Purchase 14.52977775 $1,000.00 1000.00 68.824 68.824 1000.00 29-Mar-96 EEB 15.09025870 $1,017.01 -0.78 -0.052 68.772 1037.79 29-Mar-96 Rider 15.09025870 $1,017.01 -1.27 -0.084 68.688 1036.52 28-Jun-96 EEB 15.34213888 $1,034.31 -0.79 -0.051 68.637 1053.04 28-Jun-96 Rider 15.34213888 $1,034.31 -1.29 -0.084 68.553 1051.75 30-Sep-96 EEB 15.77091726 $1,052.49 -0.81 -0.051 68.502 1080.34 30-Sep-96 Rider 15.77091726 $1,052.49 -1.32 -0.084 68.418 1079.01 31-Dec-96 EEB 16.58521897 $1,070.59 -0.85 -0.051 68.367 1133.88 31-Dec-96 Rider 16.58521897 $1,070.59 -1.34 -0.081 68.286 1132.54 31-Dec-96 Contract 16.58521897 $1,070.59 -0.47 -0.028 68.258 1132.07 31-Mar-97 EEB 16.54048923 $1,088.60 -0.85 -0.051 68.207 1128.18 31-Mar-97 Rider 16.54048923 $1,088.60 -1.36 -0.082 68.125 1126.82 30-Jun-97 EEB 17.78183313 $1,107.12 -0.91 -0.051 68.074 1210.48 30-Jun-97 Rider 17.78183313 $1,107.12 -1.38 -0.078 67.996 1209.09 30-Sep-97 EEB 18.54705427 $1,126.16 -0.95 -0.051 67.945 1260.18 30-Sep-97 Rider 18.54705427 $1,126.16 -1.41 -0.076 67.869 1258.77 31-Dec-97 EEB 18.76812043 $1,145.53 -0.96 -0.051 67.818 1272.82 31-Dec-97 Rider 18.76812043 $1,145.53 -1.43 -0.076 67.742 1271.39 31-Dec-97 Contract 18.76812043 $1,145.53 -0.47 -0.025 67.717 1270.92 31-Mar-98 EEB 19.92667212 $1,164.80 -1.01 -0.051 67.666 1348.36 31-Mar-98 Rider 19.92667212 $1,164.80 -1.46 -0.073 67.593 1346.90 30-Jun-98 EEB 19.63074839 $1,184.61 -1.00 -0.051 67.542 1325.90 30-Jun-98 Rider 19.63074839 $1,184.61 -1.48 -0.075 67.467 1324.43 30-Sep-98 EEB 18.95982926 $1,204.99 -0.96 -0.051 67.416 1278.20 30-Sep-98 Rider 18.95982926 $1,204.99 -1.51 -0.080 67.336 1276.68 31-Dec-98 EEB 19.49723145 $1,225.72 -0.98 -0.050 67.286 1311.89 31-Dec-98 Rider 19.49723145 $1,225.72 -1.53 -0.078 67.208 1310.37 31-Dec-98 Contract 19.49723145 $1,225.72 -0.47 -0.024 67.184 1309.90 31-Mar-99 EEB 19.04858291 $1,246.34 -0.96 -0.050 67.134 1278.81 31-Mar-99 Rider 19.04858291 $1,246.34 -1.56 -0.082 67.052 1277.25 30-Jun-99 EEB 20.99960829 $1,267.54 -1.06 -0.050 67.002 1407.02 30-Jun-99 Rider 20.99960829 $1,267.54 -1.58 -0.075 66.927 1405.44 30-Sep-99 EEB 20.72178142 $1,289.34 -1.04 -0.050 66.877 1385.81 30-Sep-99 Rider 20.72178142 $1,289.34 -1.61 -0.078 66.799 1384.19 31-Dec-99 EEB 20.45134774 $1,311.52 -1.02 -0.050 66.749 1365.11 31-Dec-99 Rider 20.45134774 $1,311.52 -1.64 -0.080 66.669 1363.47 31-Dec-99 Contract 20.45134774 $1,311.52 -0.47 -0.023 66.646 1363.00 31-Mar-00 EEB 20.52966237 $1,333.83 -1.03 -0.050 66.596 1367.19 31-Mar-00 Rider 20.52966237 $1,333.83 -1.67 -0.081 66.515 1365.53 30-Jun-00 EEB 21.09148174 $1,356.52 -1.05 -0.050 66.465 1401.85 30-Jun-00 Rider 21.09148174 $1,356.52 -1.70 -0.081 66.384 1400.14 29-Sep-00 EEB 22.59861282 $1,379.60 -1.13 -0.050 66.334 1499.06 29-Sep-00 Rider 22.59861282 $1,379.60 -1.72 -0.076 66.258 1497.34 29-Dec-00 EEB 24.47294611 $1,403.07 -1.22 -0.050 66.208 1620.30 29-Dec-00 Rider 24.47294611 $1,403.07 -1.75 -0.072 66.136 1618.54 29-Dec-00 Contract 24.47294611 $1,403.07 -0.47 -0.019 66.117 1618.08 29-Dec-00 Surrender 24.47294611 7% -70.00 -2.860 63.257 1548.09 Avg Annual Total Return: w/o surrender 10.10% 5.00000000 w/surrender 9.13% (continued) Fully Managed 190 Basis Point w/o rider 5 Yr Computation Invest Activity Shares Value 29-Dec-95 Purchase 1000.00 68.824 68.824 1000.00 29-Mar-96 EEB 0.00 0.000 68.824 1038.57 29-Mar-96 Rider 0.00 0.000 68.824 1038.57 28-Jun-96 EEB 0.00 0.000 68.824 1055.91 28-Jun-96 Rider 0.00 0.000 68.824 1055.91 30-Sep-96 EEB 0.00 0.000 68.824 1085.42 30-Sep-96 Rider 0.00 0.000 68.824 1085.42 31-Dec-96 EEB 0.00 0.000 68.824 1141.46 31-Dec-96 Rider 0.00 0.000 68.824 1141.46 31-Dec-96 Contract -0.47 -0.028 68.796 1141.00 31-Mar-97 EEB 0.00 0.000 68.796 1137.92 31-Mar-97 Rider 0.00 0.000 68.796 1137.92 30-Jun-97 EEB 0.00 0.000 68.796 1223.32 30-Jun-97 Rider 0.00 0.000 68.796 1223.32 30-Sep-97 EEB 0.00 0.000 68.796 1275.96 30-Sep-97 Rider 0.00 0.000 68.796 1275.96 31-Dec-97 EEB 0.00 0.000 68.796 1291.17 31-Dec-97 Rider 0.00 0.000 68.796 1291.17 31-Dec-97 Contract -0.47 -0.025 68.771 1290.70 31-Mar-98 EEB 0.00 0.000 68.771 1370.38 31-Mar-98 Rider 0.00 0.000 68.771 1370.38 30-Jun-98 EEB 0.00 0.000 68.771 1350.03 30-Jun-98 Rider 0.00 0.000 68.771 1350.03 30-Sep-98 EEB 0.00 0.000 68.771 1303.89 30-Sep-98 Rider 0.00 0.000 68.771 1303.89 31-Dec-98 EEB 0.00 0.000 68.771 1340.84 31-Dec-98 Rider 0.00 0.000 68.771 1340.84 31-Dec-98 Contract -0.47 -0.024 68.747 1340.38 31-Mar-99 EEB 0.00 0.000 68.747 1309.53 31-Mar-99 Rider 0.00 0.000 68.747 1309.53 30-Jun-99 EEB 0.00 0.000 68.747 1443.66 30-Jun-99 Rider 0.00 0.000 68.747 1443.66 30-Sep-99 EEB 0.00 0.000 68.747 1424.56 30-Sep-99 Rider 0.00 0.000 68.747 1424.56 31-Dec-99 EEB 0.00 0.000 68.747 1405.97 31-Dec-99 Rider 0.00 0.000 68.747 1405.97 31-Dec-99 Contract -0.47 -0.023 68.724 1405.50 31-Mar-00 EEB 0.00 0.000 68.724 1410.88 31-Mar-00 Rider 0.00 0.000 68.724 1410.88 30-Jun-00 EEB 0.00 0.000 68.724 1449.49 30-Jun-00 Rider 0.00 0.000 68.724 1449.49 29-Sep-00 EEB 0.00 0.000 68.724 1553.07 29-Sep-00 Rider 0.00 0.000 68.724 1553.07 29-Dec-00 EEB 0.00 0.000 68.724 1681.88 29-Dec-00 Rider 0.00 0.000 68.724 1681.88 29-Dec-00 Contract -0.47 -0.019 68.705 1681.41 29-Dec-00 Surrender -70.00 -2.860 65.845 1611.42 Avg Annual Total Return: 10.95% 5.00000000 10.01% (continued) Fully Managed 190 Basis Point w/rider w/o contract 5 Yr Computation Invest Activity Shares Value 29-Dec-95 Purchase 1000.00 68.824 68.824 1000.00 29-Mar-96 EEB -0.78 -0.052 68.772 1037.79 29-Mar-96 Rider -1.27 -0.084 68.688 1036.52 28-Jun-96 EEB -0.79 -0.051 68.637 1053.04 28-Jun-96 Rider -1.29 -0.084 68.553 1051.75 30-Sep-96 EEB -0.81 -0.051 68.502 1080.34 30-Sep-96 Rider -1.32 -0.084 68.418 1079.01 31-Dec-96 EEB -0.85 -0.051 68.367 1133.88 31-Dec-96 Rider -1.34 -0.081 68.286 1132.54 31-Dec-96 Contract 0.00 0.000 68.286 1132.54 31-Mar-97 EEB -0.85 -0.051 68.235 1128.64 31-Mar-97 Rider -1.36 -0.082 68.153 1127.28 30-Jun-97 EEB -0.91 -0.051 68.102 1210.98 30-Jun-97 Rider -1.38 -0.078 68.024 1209.59 30-Sep-97 EEB -0.95 -0.051 67.973 1260.70 30-Sep-97 Rider -1.41 -0.076 67.897 1259.29 31-Dec-97 EEB -0.96 -0.051 67.846 1273.34 31-Dec-97 Rider -1.43 -0.076 67.770 1271.92 31-Dec-97 Contract 0.00 0.000 67.770 1271.92 31-Mar-98 EEB -1.01 -0.051 67.719 1349.41 31-Mar-98 Rider -1.46 -0.073 67.646 1347.96 30-Jun-98 EEB -1.00 -0.051 67.595 1326.94 30-Jun-98 Rider -1.48 -0.075 67.520 1325.47 30-Sep-98 EEB -0.96 -0.051 67.469 1279.20 30-Sep-98 Rider -1.51 -0.080 67.389 1277.68 31-Dec-98 EEB -0.99 -0.051 67.338 1312.90 31-Dec-98 Rider -1.53 -0.078 67.260 1311.38 31-Dec-98 Contract 0.00 0.000 67.260 1311.38 31-Mar-99 EEB -0.96 -0.050 67.210 1280.26 31-Mar-99 Rider -1.56 -0.082 67.128 1278.69 30-Jun-99 EEB -1.06 -0.050 67.078 1408.61 30-Jun-99 Rider -1.58 -0.075 67.003 1407.04 30-Sep-99 EEB -1.04 -0.050 66.953 1387.39 30-Sep-99 Rider -1.61 -0.078 66.875 1385.77 31-Dec-99 EEB -1.03 -0.050 66.825 1366.66 31-Dec-99 Rider -1.64 -0.080 66.745 1365.03 31-Dec-99 Contract 0.00 0.000 66.745 1365.03 31-Mar-00 EEB -1.03 -0.050 66.695 1369.23 31-Mar-00 Rider -1.67 -0.081 66.614 1367.56 30-Jun-00 EEB -1.05 -0.050 66.564 1403.93 30-Jun-00 Rider -1.70 -0.081 66.483 1402.22 29-Sep-00 EEB -1.13 -0.050 66.433 1501.29 29-Sep-00 Rider -1.72 -0.076 66.357 1499.58 29-Dec-00 EEB -1.22 -0.050 66.307 1622.73 29-Dec-00 Rider -1.75 -0.072 66.235 1620.97 29-Dec-00 Contract 0.00 0.000 66.235 1620.97 29-Dec-00 Surrender -70.00 -2.860 63.375 1550.97 Avg Annual Total Return: 10.14% 5.00000000 9.17% Fully Managed 190 Basis Point w/rider 10 Year Computation IIE Base Invest Activity Shares Value 31-Dec-90 Purchase 9.69444300 $1,000.00 1000.00 103.152 103.152 1000.00 28-Mar-91 EEB 10.60777769 $1,016.26 -0.82 -0.077 103.075 1093.40 28-Mar-91 Rider 10.60777769 $1,016.26 -1.27 -0.120 102.955 1092.12 28-Jun-91 EEB 10.39045101 $1,033.74 -0.80 -0.077 102.878 1068.95 28-Jun-91 Rider 10.39045101 $1,033.74 -1.29 -0.124 102.754 1067.66 30-Sep-91 EEB 11.31615535 $1,051.91 -0.87 -0.077 102.677 1161.91 30-Sep-91 Rider 11.31615535 $1,051.91 -1.31 -0.116 102.561 1160.60 31-Dec-91 EEB 12.26168355 $1,070.00 -0.94 -0.077 102.484 1256.63 31-Dec-91 Rider 12.26168355 $1,070.00 -1.34 -0.109 102.375 1255.29 31-Dec-91 Contract 12.26168355 $1,070.00 -0.47 -0.038 102.337 1254.82 31-Mar-92 EEB 12.06282659 $1,088.20 -0.93 -0.077 102.260 1233.54 31-Mar-92 Rider 12.06282659 $1,088.20 -1.36 -0.113 102.147 1232.18 30-Jun-92 EEB 11.67750541 $1,106.71 -0.89 -0.076 102.071 1191.93 30-Jun-92 Rider 11.67750541 $1,106.71 -1.38 -0.118 101.953 1190.56 30-Sep-92 EEB 11.98085137 $1,125.75 -0.92 -0.077 101.876 1220.56 30-Sep-92 Rider 11.98085137 $1,125.75 -1.41 -0.118 101.758 1219.15 31-Dec-92 EEB 12.77762529 $1,145.11 -0.98 -0.077 101.681 1299.24 31-Dec-92 Rider 12.77762529 $1,145.11 -1.43 -0.112 101.569 1297.81 31-Dec-92 Contract 12.77762529 $1,145.11 -0.47 -0.037 101.532 1297.34 31-Mar-93 EEB 13.02432801 $1,164.37 -0.99 -0.076 101.456 1321.40 31-Mar-93 Rider 13.02432801 $1,164.37 -1.46 -0.112 101.344 1319.94 30-Jun-93 EEB 13.11505638 $1,184.18 -1.00 -0.076 101.268 1328.14 30-Jun-93 Rider 13.11505638 $1,184.18 -1.48 -0.113 101.155 1326.65 30-Sep-93 EEB 13.70047162 $1,204.55 -1.04 -0.076 101.079 1384.83 30-Sep-93 Rider 13.70047162 $1,204.55 -1.51 -0.110 100.969 1383.32 31-Dec-93 EEB 13.48616683 $1,225.27 -1.02 -0.076 100.893 1360.66 31-Dec-93 Rider 13.48616683 $1,225.27 -1.53 -0.113 100.780 1359.14 31-Dec-93 Contract 13.48616683 $1,225.27 -0.47 -0.035 100.745 1358.66 31-Mar-94 EEB 12.86461882 $1,245.88 -0.97 -0.075 100.670 1295.08 31-Mar-94 Rider 12.86461882 $1,245.88 -1.56 -0.121 100.549 1293.52 30-Jun-94 EEB 12.20677323 $1,267.07 -0.92 -0.075 100.474 1226.46 30-Jun-94 Rider 12.20677323 $1,267.07 -1.58 -0.129 100.345 1224.89 30-Sep-94 EEB 12.47548375 $1,288.86 -0.94 -0.075 100.270 1250.92 30-Sep-94 Rider 12.47548375 $1,288.86 -1.61 -0.129 100.141 1249.31 30-Dec-94 EEB 12.26889142 $1,310.79 -0.92 -0.075 100.066 1227.70 30-Dec-94 Rider 12.26889142 $1,310.79 -1.64 -0.134 99.932 1226.05 30-Dec-94 Contract 12.26889142 $1,310.79 -0.47 -0.038 99.894 1225.59 31-Mar-95 EEB 12.75315664 $1,333.09 -0.96 -0.075 99.819 1273.01 31-Mar-95 Rider 12.75315664 $1,333.09 -1.67 -0.131 99.688 1271.34 30-Jun-95 EEB 13.50262060 $1,355.77 -1.01 -0.075 99.613 1345.04 30-Jun-95 Rider 13.50262060 $1,355.77 -1.69 -0.125 99.488 1343.35 29-Sep-95 EEB 14.13094054 $1,378.83 -1.05 -0.074 99.414 1404.81 29-Sep-95 Rider 14.13094054 $1,378.83 -1.72 -0.122 99.292 1403.09 29-Dec-95 EEB 14.52977775 $1,402.29 -1.08 -0.074 99.218 1441.62 29-Dec-95 Rider 14.52977775 $1,402.29 -1.75 -0.120 99.098 1439.87 29-Dec-95 Contract 14.52977775 $1,402.29 -0.47 -0.032 99.066 1439.41 29-Mar-96 EEB 15.09025870 $1,426.14 -1.12 -0.074 98.992 1493.81 29-Mar-96 Rider 15.09025870 $1,426.14 -1.78 -0.118 98.874 1492.03 28-Jun-96 EEB 15.34213888 $1,450.40 -1.14 -0.074 98.800 1515.80 28-Jun-96 Rider 15.34213888 $1,450.40 -1.81 -0.118 98.682 1513.99 30-Sep-96 EEB 15.77091726 $1,475.89 -1.17 -0.074 98.608 1555.14 30-Sep-96 Rider 15.77091726 $1,475.89 -1.84 -0.117 98.491 1553.29 31-Dec-96 EEB 16.58521897 $1,501.28 -1.23 -0.074 98.417 1632.27 31-Dec-96 Rider 16.58521897 $1,501.28 -1.88 -0.113 98.304 1630.39 31-Dec-96 Contract 16.58521897 $1,501.28 -0.47 -0.028 98.276 1629.93 31-Mar-97 EEB 16.54048923 $1,526.54 -1.22 -0.074 98.202 1624.31 31-Mar-97 Rider 16.54048923 $1,526.54 -1.91 -0.115 98.087 1622.41 30-Jun-97 EEB 17.78183313 $1,552.51 -1.31 -0.074 98.013 1742.85 30-Jun-97 Rider 17.78183313 $1,552.51 -1.94 -0.109 97.904 1740.91 30-Sep-97 EEB 18.54705427 $1,579.21 -1.36 -0.073 97.831 1814.48 30-Sep-97 Rider 18.54705427 $1,579.21 -1.97 -0.106 97.725 1812.51 31-Dec-97 EEB 18.76812043 $1,606.37 -1.38 -0.074 97.651 1832.73 31-Dec-97 Rider 18.76812043 $1,606.37 -2.01 -0.107 97.544 1830.72 31-Dec-97 Contract 18.76812043 $1,606.37 -0.47 -0.025 97.519 1830.25 31-Mar-98 EEB 19.92667212 $1,633.39 -1.46 -0.073 97.446 1941.77 31-Mar-98 Rider 19.92667212 $1,633.39 -2.04 -0.102 97.344 1939.74 30-Jun-98 EEB 19.63074839 $1,661.18 -1.43 -0.073 97.271 1909.50 30-Jun-98 Rider 19.63074839 $1,661.18 -2.08 -0.106 97.165 1907.42 30-Sep-98 EEB 18.95982926 $1,689.75 -1.38 -0.073 97.092 1840.85 30-Sep-98 Rider 18.95982926 $1,689.75 -2.11 -0.111 96.981 1838.74 31-Dec-98 EEB 19.49723145 $1,718.81 -1.42 -0.073 96.908 1889.44 31-Dec-98 Rider 19.49723145 $1,718.81 -2.15 -0.110 96.798 1887.29 31-Dec-98 Contract 19.49723145 $1,718.81 -0.47 -0.024 96.774 1886.83 31-Mar-99 EEB 19.04858291 $1,747.73 -1.38 -0.072 96.702 1842.04 31-Mar-99 Rider 19.04858291 $1,747.73 -2.18 -0.114 96.588 1839.86 30-Jun-99 EEB 20.99960829 $1,777.46 -1.52 -0.072 96.516 2026.80 30-Jun-99 Rider 20.99960829 $1,777.46 -2.22 -0.106 96.410 2024.57 30-Sep-99 EEB 20.72178142 $1,808.03 -1.50 -0.072 96.338 1996.29 30-Sep-99 Rider 20.72178142 $1,808.03 -2.26 -0.109 96.229 1994.04 31-Dec-99 EEB 20.45134774 $1,839.13 -1.48 -0.072 96.157 1966.54 31-Dec-99 Rider 20.45134774 $1,839.13 -2.30 -0.112 96.045 1964.25 31-Dec-99 Contract 20.45134774 $1,839.13 -0.47 -0.023 96.022 1963.78 31-Mar-00 EEB 20.52966237 $1,870.42 -1.48 -0.072 95.950 1969.82 31-Mar-00 Rider 20.52966237 $1,870.42 -2.34 -0.114 95.836 1967.48 30-Jun-00 EEB 21.09148174 $1,902.24 -1.52 -0.072 95.764 2019.80 30-Jun-00 Rider 21.09148174 $1,902.24 -2.38 -0.113 95.651 2017.42 29-Sep-00 EEB 22.59861282 $1,934.60 -1.62 -0.072 95.579 2159.95 29-Sep-00 Rider 22.59861282 $1,934.60 -2.42 -0.107 95.472 2157.53 29-Dec-00 EEB 24.47294611 $1,967.51 -1.75 -0.072 95.400 2334.72 29-Dec-00 Rider 24.47294611 $1,967.51 -2.46 -0.101 95.299 2332.25 29-Dec-00 Contract 24.47294611 $1,967.51 -0.47 -0.019 95.280 2331.78 29-Dec-00 Surrender 24.47294611 0% 0.00 0.000 95.280 2331.78 Avg Annual Total Return: w/o surrender 8.84% 10.00000000 w/surrender 8.84% (continued) Fully Managed 190 Basis Point 10 Year Computation w/o rider 31-Dec-90 Purchase Invest Activity Shares Value 28-Mar-91 EEB 1000.00 103.152 103.152 1000.00 28-Mar-91 Rider 0.00 0.000 103.152 1094.21 28-Jun-91 EEB 0.00 0.000 103.152 1094.21 28-Jun-91 Rider 0.00 0.000 103.152 1071.80 30-Sep-91 EEB 0.00 0.000 103.152 1071.80 30-Sep-91 Rider 0.00 0.000 103.152 1167.28 31-Dec-91 EEB 0.00 0.000 103.152 1167.28 31-Dec-91 Rider 0.00 0.000 103.152 1264.82 31-Dec-91 Contract 0.00 0.000 103.152 1264.82 31-Mar-92 EEB -0.47 -0.038 103.114 1264.35 31-Mar-92 Rider 0.00 0.000 103.114 1243.85 30-Jun-92 EEB 0.00 0.000 103.114 1243.85 30-Jun-92 Rider 0.00 0.000 103.114 1204.11 30-Sep-92 EEB 0.00 0.000 103.114 1204.11 30-Sep-92 Rider 0.00 0.000 103.114 1235.39 31-Dec-92 EEB 0.00 0.000 103.114 1235.39 31-Dec-92 Rider 0.00 0.000 103.114 1317.55 31-Dec-92 Contract 0.00 0.000 103.114 1317.55 31-Mar-93 EEB -0.47 -0.037 103.077 1317.08 31-Mar-93 Rider 0.00 0.000 103.077 1342.51 30-Jun-93 EEB 0.00 0.000 103.077 1342.51 30-Jun-93 Rider 0.00 0.000 103.077 1351.86 30-Sep-93 EEB 0.00 0.000 103.077 1351.86 30-Sep-93 Rider 0.00 0.000 103.077 1412.20 31-Dec-93 EEB 0.00 0.000 103.077 1412.20 31-Dec-93 Rider 0.00 0.000 103.077 1390.11 31-Dec-93 Contract 0.00 0.000 103.077 1390.11 31-Mar-94 EEB -0.47 -0.035 103.042 1389.64 31-Mar-94 Rider 0.00 0.000 103.042 1325.60 30-Jun-94 EEB 0.00 0.000 103.042 1325.60 30-Jun-94 Rider 0.00 0.000 103.042 1257.81 30-Sep-94 EEB 0.00 0.000 103.042 1257.81 30-Sep-94 Rider 0.00 0.000 103.042 1285.50 30-Dec-94 EEB 0.00 0.000 103.042 1285.50 30-Dec-94 Rider 0.00 0.000 103.042 1264.21 30-Dec-94 Contract 0.00 0.000 103.042 1264.21 31-Mar-95 EEB -0.47 -0.038 103.004 1263.74 31-Mar-95 Rider 0.00 0.000 103.004 1313.63 30-Jun-95 EEB 0.00 0.000 103.004 1313.63 30-Jun-95 Rider 0.00 0.000 103.004 1390.82 29-Sep-95 EEB 0.00 0.000 103.004 1390.82 29-Sep-95 Rider 0.00 0.000 103.004 1455.54 29-Dec-95 EEB 0.00 0.000 103.004 1455.54 29-Dec-95 Rider 0.00 0.000 103.004 1496.63 29-Dec-95 Contract 0.00 0.000 103.004 1496.63 29-Mar-96 EEB -0.47 -0.032 102.972 1496.16 29-Mar-96 Rider 0.00 0.000 102.972 1553.87 28-Jun-96 EEB 0.00 0.000 102.972 1553.87 28-Jun-96 Rider 0.00 0.000 102.972 1579.81 30-Sep-96 EEB 0.00 0.000 102.972 1579.81 30-Sep-96 Rider 0.00 0.000 102.972 1623.96 31-Dec-96 EEB 0.00 0.000 102.972 1623.96 31-Dec-96 Rider 0.00 0.000 102.972 1707.81 31-Dec-96 Contract 0.00 0.000 102.972 1707.81 31-Mar-97 EEB -0.47 -0.028 102.944 1707.35 31-Mar-97 Rider 0.00 0.000 102.944 1702.74 30-Jun-97 EEB 0.00 0.000 102.944 1702.74 30-Jun-97 Rider 0.00 0.000 102.944 1830.53 30-Sep-97 EEB 0.00 0.000 102.944 1830.53 30-Sep-97 Rider 0.00 0.000 102.944 1909.31 31-Dec-97 EEB 0.00 0.000 102.944 1909.31 31-Dec-97 Rider 0.00 0.000 102.944 1932.07 31-Dec-97 Contract 0.00 0.000 102.944 1932.07 31-Mar-98 EEB -0.47 -0.025 102.919 1931.60 31-Mar-98 Rider 0.00 0.000 102.919 2050.83 30-Jun-98 EEB 0.00 0.000 102.919 2050.83 30-Jun-98 Rider 0.00 0.000 102.919 2020.38 30-Sep-98 EEB 0.00 0.000 102.919 2020.38 30-Sep-98 Rider 0.00 0.000 102.919 1951.33 31-Dec-98 EEB 0.00 0.000 102.919 1951.33 31-Dec-98 Rider 0.00 0.000 102.919 2006.64 31-Dec-98 Contract 0.00 0.000 102.919 2006.64 31-Mar-99 EEB -0.47 -0.024 102.895 2006.17 31-Mar-99 Rider 0.00 0.000 102.895 1960.00 30-Jun-99 EEB 0.00 0.000 102.895 1960.00 30-Jun-99 Rider 0.00 0.000 102.895 2160.75 30-Sep-99 EEB 0.00 0.000 102.895 2160.75 30-Sep-99 Rider 0.00 0.000 102.895 2132.17 31-Dec-99 EEB 0.00 0.000 102.895 2132.17 31-Dec-99 Rider 0.00 0.000 102.895 2104.34 31-Dec-99 Contract 0.00 0.000 102.895 2104.34 31-Mar-00 EEB -0.47 -0.023 102.872 2103.87 31-Mar-00 Rider 0.00 0.000 102.872 2111.93 30-Jun-00 EEB 0.00 0.000 102.872 2111.93 30-Jun-00 Rider 0.00 0.000 102.872 2169.72 29-Sep-00 EEB 0.00 0.000 102.872 2169.72 29-Sep-00 Rider 0.00 0.000 102.872 2324.76 29-Dec-00 EEB 0.00 0.000 102.872 2324.76 29-Dec-00 Rider 0.00 0.000 102.872 2517.58 29-Dec-00 Contract 0.00 0.000 102.872 2517.58 29-Dec-00 Surrender -0.47 -0.019 102.853 2517.12 Avg Annual Total Return: 0.00 0.000 102.853 2517.12 10.00000000 9.67% 9.67% (continued) Fully Managed 190 Basis Point w/rider w/o contract 10 Year Computation Invest Activity Shares Value 31-Dec-90 Purchase 1000.00 103.152 103.152 1000.00 28-Mar-91 EEB -0.82 -0.077 103.075 1093.40 28-Mar-91 Rider -1.27 -0.120 102.955 1092.12 28-Jun-91 EEB -0.80 -0.077 102.878 1068.95 28-Jun-91 Rider -1.29 -0.124 102.754 1067.66 30-Sep-91 EEB -0.87 -0.077 102.677 1161.91 30-Sep-91 Rider -1.31 -0.116 102.561 1160.60 31-Dec-91 EEB -0.94 -0.077 102.484 1256.63 31-Dec-91 Rider -1.34 -0.109 102.375 1255.29 31-Dec-91 Contract 0.00 0.000 102.375 1255.29 31-Mar-92 EEB -0.93 -0.077 102.298 1234.00 31-Mar-92 Rider -1.36 -0.113 102.185 1232.64 30-Jun-92 EEB -0.89 -0.076 102.109 1192.38 30-Jun-92 Rider -1.38 -0.118 101.991 1191.00 30-Sep-92 EEB -0.92 -0.077 101.914 1221.02 30-Sep-92 Rider -1.41 -0.118 101.796 1219.60 31-Dec-92 EEB -0.98 -0.077 101.719 1299.73 31-Dec-92 Rider -1.43 -0.112 101.607 1298.30 31-Dec-92 Contract 0.00 0.000 101.607 1298.30 31-Mar-93 EEB -0.99 -0.076 101.531 1322.37 31-Mar-93 Rider -1.46 -0.112 101.419 1320.91 30-Jun-93 EEB -1.00 -0.076 101.343 1329.12 30-Jun-93 Rider -1.48 -0.113 101.230 1327.64 30-Sep-93 EEB -1.04 -0.076 101.154 1385.86 30-Sep-93 Rider -1.51 -0.110 101.044 1384.35 31-Dec-93 EEB -1.02 -0.076 100.968 1361.67 31-Dec-93 Rider -1.53 -0.113 100.855 1360.15 31-Dec-93 Contract 0.00 0.000 100.855 1360.15 31-Mar-94 EEB -0.97 -0.075 100.780 1296.50 31-Mar-94 Rider -1.56 -0.121 100.659 1294.94 30-Jun-94 EEB -0.92 -0.075 100.584 1227.81 30-Jun-94 Rider -1.58 -0.129 100.455 1226.23 30-Sep-94 EEB -0.94 -0.075 100.380 1252.29 30-Sep-94 Rider -1.61 -0.129 100.251 1250.68 30-Dec-94 EEB -0.92 -0.075 100.176 1229.05 30-Dec-94 Rider -1.64 -0.134 100.042 1227.40 30-Dec-94 Contract 0.00 0.000 100.042 1227.40 31-Mar-95 EEB -0.96 -0.075 99.967 1274.89 31-Mar-95 Rider -1.67 -0.131 99.836 1273.22 30-Jun-95 EEB -1.01 -0.075 99.761 1347.03 30-Jun-95 Rider -1.69 -0.125 99.636 1345.35 29-Sep-95 EEB -1.06 -0.075 99.561 1406.89 29-Sep-95 Rider -1.72 -0.122 99.439 1405.17 29-Dec-95 EEB -1.08 -0.074 99.365 1443.75 29-Dec-95 Rider -1.75 -0.120 99.245 1442.01 29-Dec-95 Contract 0.00 0.000 99.245 1442.01 29-Mar-96 EEB -1.12 -0.074 99.171 1496.52 29-Mar-96 Rider -1.78 -0.118 99.053 1494.74 28-Jun-96 EEB -1.14 -0.074 98.979 1518.55 28-Jun-96 Rider -1.81 -0.118 98.861 1516.74 30-Sep-96 EEB -1.17 -0.074 98.787 1557.96 30-Sep-96 Rider -1.84 -0.117 98.670 1556.12 31-Dec-96 EEB -1.23 -0.074 98.596 1635.24 31-Dec-96 Rider -1.88 -0.113 98.483 1633.36 31-Dec-96 Contract 0.00 0.000 98.483 1633.36 31-Mar-97 EEB -1.22 -0.074 98.409 1627.73 31-Mar-97 Rider -1.91 -0.115 98.294 1625.83 30-Jun-97 EEB -1.31 -0.074 98.220 1746.53 30-Jun-97 Rider -1.94 -0.109 98.111 1744.59 30-Sep-97 EEB -1.36 -0.073 98.038 1818.32 30-Sep-97 Rider -1.97 -0.106 97.932 1816.35 31-Dec-97 EEB -1.38 -0.074 97.858 1836.61 31-Dec-97 Rider -2.01 -0.107 97.751 1834.60 31-Dec-97 Contract 0.00 0.000 97.751 1834.60 31-Mar-98 EEB -1.46 -0.073 97.678 1946.40 31-Mar-98 Rider -2.04 -0.102 97.576 1944.36 30-Jun-98 EEB -1.44 -0.073 97.503 1914.06 30-Jun-98 Rider -2.08 -0.106 97.397 1911.98 30-Sep-98 EEB -1.38 -0.073 97.324 1845.25 30-Sep-98 Rider -2.11 -0.111 97.213 1843.14 31-Dec-98 EEB -1.42 -0.073 97.140 1893.96 31-Dec-98 Rider -2.15 -0.110 97.030 1891.82 31-Dec-98 Contract 0.00 0.000 97.030 1891.82 31-Mar-99 EEB -1.39 -0.073 96.957 1846.89 31-Mar-99 Rider -2.18 -0.114 96.843 1844.72 30-Jun-99 EEB -1.53 -0.073 96.770 2032.13 30-Jun-99 Rider -2.22 -0.106 96.664 2029.91 30-Sep-99 EEB -1.50 -0.072 96.592 2001.56 30-Sep-99 Rider -2.26 -0.109 96.483 1999.30 31-Dec-99 EEB -1.48 -0.072 96.411 1971.73 31-Dec-99 Rider -2.30 -0.112 96.299 1969.44 31-Dec-99 Contract 0.00 0.000 96.299 1969.44 31-Mar-00 EEB -1.48 -0.072 96.227 1975.51 31-Mar-00 Rider -2.34 -0.114 96.113 1973.17 30-Jun-00 EEB -1.52 -0.072 96.041 2025.65 30-Jun-00 Rider -2.38 -0.113 95.928 2023.26 29-Sep-00 EEB -1.63 -0.072 95.856 2166.21 29-Sep-00 Rider -2.42 -0.107 95.749 2163.79 29-Dec-00 EEB -1.76 -0.072 95.677 2341.50 29-Dec-00 Rider -2.46 -0.101 95.576 2339.03 29-Dec-00 Contract 0.00 0.000 95.576 2339.03 29-Dec-00 Surrender 0.00 0.000 95.576 2339.03 Avg Annual Total Return: 8.87% 10.00000000 8.87%