EX-99.13.(1) 10 dex99131.txt PACIFIC INNOVATIONS - PERFORMANCE CALCULATIONS EXHIBIT 13(a) Pacific Innovations Variable Annuity Separate Account Schedule for Computation of Performance Quotations Average Initial Premium = $65,000. Last Year Ending 12/31/01
Aggresive Emerging Diversified Small-Cap International Equity I-Net Equity Markets Research Equity Large-Cap Tollkeeper Start Date 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 11.920724 6.431999 10.868225 17.604261 7.739860 19.007950 6.719403 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 9.727639 5.791508 10.422392 16.915918 6.235545 14.663321 4.379878 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 816.03 $ 900.42 $ 958.98 $ 960.90 $ 805.64 $ 771.43 $ 651.83 AATR W/Drawal -26.50% -18.06% -12.20% -12.01% -27.54% -30.96% -42.92% AATR Account -18.40% -9.96% -4.10% -3.91% -19.44% -22.86% -34.82% Large-Cap Core Multi-Strategy (Equity Income) Strategic Value Start Date 12/29/00 12/29/00 12/29/00 Beginning AUV 15.906335 18.600829 9.746954 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 15.503009 16.713457 8.662383 Annual Fee (none) $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 974.64 $ 898.53 $ 888.73 AATR W/Drawal -10.64% -18.25% -19.23% AATR Account -2.54% -10.15% -11.13%
Dollar Values are per $1000 of initial premium Average Annual Total Return (AATR) of Surrender Value = [ERV/$1000]-1
Mid-Cap International Equity Real Estate Growth LT Focused 30 Value Value Index Small-Cap Index (REIT) Start Date 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 29.915213 8.231425 12.782182 14.062760 21.144785 11.188539 12.911339 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 20.778681 7.032229 14.279820 10.832825 18.315224 11.223609 13.819011 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 694.59 $ 854.31 $ 1,117.17 $ 770.32 $ 866.18 $ 1,003.13 $ 1,070.30 AATR W/Drawal -38.64% -22.67% 3.62% -31.07% -21.48% -7.79% -1.07% AATR Account -30.54% -14.57% 11.72% -22.97% -13.38% 0.31% 7.03% Inflation Managed Managed Bond Money Market Start Date 12/29/00 12/29/00 12/29/00 Beginning AUV 12.581846 12.758805 12.095726 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 12.935447 13.502415 12.387528 Annual Fee (none) $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 1,028.10 $ 1,058.28 $ 1,024.12 AATR W/Drawal -5.29% -2.27% -5.69% AATR Account 2.81% 5.83% 2.41%
Large Cap MidCap High Yield Value Capital Opp Global Growth BlueChip Health Start Date 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 11.516654 12.494395 10.000000 10.000000 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 11.508400 11.870354 8.327811 8.383788 8.005332 8.028918 9.101629 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 999.28 $ 950.05 $ 832.78 $ 838.38 $ 800.53 $ 802.89 $ 910.16 AATR W/Drawal -8.17% -13.09% -24.82% -24.26% -28.05% -27.81% -17.08% AATR Account -0.07% -4.99% -16.72% -16.16% -19.95% -19.71% -8.98% Telecom Agg Grow Financial Tech Start Date 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 10.000000 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 5.253255 7.909705 9.141828 5.823391 Annual Fee (none) $ - $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 525.33 $ 790.97 $ 914.18 $ 582.34 AATR W/Drawal -55.57% -29.00% -16.68% -49.87% AATR Account -47.47% -20.90% -8.58% -41.77%
Pacific Innovations Variable Annuity Separate Account Last 3 Years ending 12/31/01
Aggresive Emerging Diversified Small-Cap International Equity Markets Research Equity Large-Cap Equity Start Date 12/31/98 12/31/98 N/A 12/31/98 N/A 12/31/98 Beginning AUV 12.193538 6.69746 15.816432 18.854959 End Date 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 9.727639 5.791508 16.915918 14.663321 Annual Fee (none) $ - $ - $ - $ - CDSC $ 56.00 $ 56.00 $ 56.00 $ 56.00 Ending ERV $ 797.77 $ 864.73 $ 1,069.52 $ 777.69 AAR W/Drawal -9.48% -6.83% 0.45% -10.30% AAR Account -7.25% -4.73% 2.27% -8.04% I-Net Large-Cap Core Tollkeeper Multi-Strategy (Equity Income) Start Date N/A 12/31/98 12/31/98 Beginning AUV 15.16588 18.102886 End Date 12/31/01 12/31/01 Ending AUV 15.503009 16.713457 Annual Fee (none) $ - $ - CDSC $ 56.00 $ 56.00 Ending ERV $ 1,022.23 $ 923.25 AAR W/Drawal -1.14% -4.64% AAR Account 0.74% -2.63%
Dollar Values are per $1000 of initial premium Average Annual Return (AAR) of Surrender Value = [(ERV/$1000)/\(1/3)]-1
Mid-Cap International Equity Small-Cap Real Estate Growth LT Focused 30 Value Value Index Index (REIT) Start Date 12/31/98 N/A N/A 12/31/98 12/31/98 N/A 12/31/98 Beginning AUV 19.835315 13.289721 19.877336 #N/A End Date 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 20.778681 10.832825 18.315224 13.819011 Annual Fee (none) $ - $ - $ - #N/A CDSC $ 56.00 $ 56.00 $ 56.00 $ 56.00 Ending ERV $ 1,047.56 $ 815.13 $ 921.41 #N/A AAR W/Drawal -0.28% -8.78% -4.70% #N/A AAR Account 1.56% -6.59% -2.69% #N/A Inflation Managed Money Managed Bond Market Start Date 12/31/98 12/31/98 12/31/98 Beginning AUV 11.797236 11.993331 11.163639 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 12.935447 13.502415 12.387528 Annual Fee (none) $ - $ - $ - CDSC $ 56.00 $ 56.00 $ 56.00 Ending ERV $ 1,096.48 $ 1,125.83 $ 1,109.63 AAR W/Drawal 1.33% 2.28% 1.76% AAR Account 3.12% 4.03% 3.53%
Large Cap MidCap High Yield Value Capital Opp Global Growth BlueChip Start Date 12/31/98 N/A N/A N/A N/A N/A Beginning AUV 11.952791 End Date 12/31/01 Ending AUV 11.5084 Annual Fee (none) $ - CDSC $ 56.00 Ending ERV $ 962.82 AAR W/Drawal -3.21% AAR Account -1.25% Health Telecom Agg Grow Financial Tech Start Date N/A N/A N/A N/A N/A Beginning AUV End Date Ending AUV Annual Fee (none) CDSC Ending ERV AAR W/Drawal AAR Account
Pacific Innovations Variable Annuity Separate Account Last 5 Years ending 12/31/01
Aggresive Emerging Diversified Small-Cap International I-Net Equity Markets Research Equity Large-Cap Equity Tollkeeper Start Date 12/31/96 12/31/96 N/A 12/31/96 N/A 12/31/96 N/A Beginning AUV 10.672142 9.574244 12.157911 12.59345 End Date 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 9.727639 5.791508 16.915918 14.663321 Annual Fee (none) $ - $ - $ - $ - CDSC $ - $ - $ - $ - Ending ERV $ 911.50 $ 604.90 $ 1,391.35 $ 1,164.36 AAR W/Drawal -1.84% -9.56% 6.83% 3.09% AAR Account -1.84% -9.56% 6.83% 3.09% Large-Cap Core (Equity Strategic Multi-Strategy Income) Value Start Date 12/31/96 12/31/96 N/A Beginning AUV 11.032656 11.657031 End Date 12/31/01 12/31/01 Ending AUV 15.503009 16.713457 Annual Fee (none) $ - $ - CDSC $ - $ - Ending ERV $ 1,405.19 $ 1,433.77 AAR W/Drawal 7.04% 7.47% AAR Account 7.04% 7.47% Dollar Values are per $1000 of initial premium Average Annual Return (AAR) of Surrender Value = [(ERV/$1000)/\(1/5)]-1 Mid-Cap International Small-Cap Real Estate Growth LT Focused 30 Value Value Equity Index Index (REIT) Start Date 12/31/96 N/A N/A 12/31/96 12/31/96 N/A N/A Beginning AUV 11.6137 11.843494 11.968901 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 20.778681 10.832825 18.315224 Annual Fee (none) $ - $ - $ - CDSC $ - $ - $ - Ending ERV $ 1,789.15 $ 914.66 $ 1,530.23 AAR W/Drawal 12.34% -1.77% 8.88% AAR Account 12.34% -1.77% 8.88% Inflation Managed Managed Bond Money Market Start Date 12/31/96 12/31/96 12/31/96 Beginning AUV 10.144127 10.274757 10.356036 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 12.935447 13.502415 12.387528 Annual Fee (none) $ - $ - $ - CDSC $ - $ - $ - Ending ERV $ 1,275.17 $ 1,314.13 $ 1,196.17 AAR W/Drawal 4.98% 5.62% 3.65% AAR Account 4.98% 5.62% 3.65% High Yield Large Cap Value Capital Opp Global MidCap Growth Start Date 12/31/96 N/A N/A N/A N/A Beginning AUV 10.961721 End Date 12/31/01 Ending AUV 11.5084 Annual Fee (none) $ - CDSC $ - Ending ERV $ 1,049.87 AAR W/Drawal 0.98% AAR Account 0.98% BlueChip Health Telecom Agg Grow Financial Tech Start Date N/A N/A N/A N/A N/A N/A Beginning AUV End Date Ending AUV Annual Fee (none) CDSC Ending ERV AAR W/Drawal AAR Account
Pacific Innovations Variable Annuity Separate Account Last 10 Years ending 12/31/01
Aggresive Emerging Diversified Small-Cap International Equity Equity Markets Research Equity Large-Cap Start Date N/A N/A N/A 12/31/91 N/A 12/31/91 Beginning AUV 6.336157 7.109406 End Date 12/31/01 12/31/01 Ending AUV 16.915918 14.663321 Annual Fee (none) $ - $ - CDSC $ - $ - Ending ERV $ 2,669.74 $ 2,062.52 AAR W/Drawal 10.32% 7.51% AAR Account 10.32% 7.51% Large-Cap I-Net Multi- Core (Equity Strategic Tollkeeper Strategy Income) Value Start Date N/A 12/31/91 12/31/91 N/A Beginning AUV 7.387667 6.988556 End Date 12/31/01 12/31/01 Ending AUV 15.503009 16.713457 Annual Fee (none) $ - $ - CDSC $ - $ - Ending ERV $ 2,098.50 $ 2,391.55 AAR W/Drawal 7.69% 9.11% AAR Account 7.69% 9.11% Dollar Values are per $1000 of initial premium Average Annual Return (AAR) of Surrender Value = [(ERV/$1000)/\(1/10)]-1 Mid-Cap International Small-Cap Growth LT Focused 30 Value Value Equity Index Index Start Date N/A N/A N/A 12/31/91 N/A N/A Beginning AUV 7.800684 End Date 12/31/01 Ending AUV 10.832825 Annual Fee (none) $ - CDSC $ - Ending ERV $ 1,388.70 AAR W/Drawal 3.34% AAR Account 3.34% Real Estate Inflation Managed (REIT) Managed Bond Money Market Start Date N/A 12/31/91 12/31/91 12/31/91 Beginning AUV 7.868926 7.651502 9.116548 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 12.935447 13.502415 12.387528 Annual Fee (none) $ - $ - $ - CDSC $ - $ - $ - Ending ERV $ 1,643.86 $ 1,764.68 $ 1,358.80 AAR W/Drawal 5.10% 5.84% 3.11% AAR Account 5.10% 5.84% 3.11% Large Cap High Yield Value Capital Opp Global MidCap Growth BlueChip Start Date 12/31/91 N/A N/A N/A N/A N/A Beginning AUV 6.315380 End Date 12/31/01 Ending AUV 11.508400 Annual Fee (none) $ - CDSC $ - Ending ERV $ 1,822.28 AAR W/Drawal 6.18% AAR Account 6.18% Health Telecom Agg Grow Financial Tech Start Date N/A N/A N/A N/A N/A Beginning AUV End Date Ending AUV Annual Fee (none) CDSC Ending ERV AAR W/Drawal AAR Account
Pacific Innovations Variable Annuity Separate Account From Inception of Separate Account
Aggresive Emerging Diversified Small-Cap International I-Net Equity Markets Research Equity Large-Cap Equity Tollkeeper Start Date 4/17/96 4/17/96 1/3/00 10/1/99 1/3/00 1/2/96 5/1/00 Beginning AUV 9.908720 - 10.000000 17.977974 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 9.727639 5.791508 10.422392 16.915918 6.235545 14.663321 4.379878 Days 2084 2084 728 822 728 2190 609 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - CDSC $ - $ - $ - $ - $ - $ - $ - Ending ERV $ 981.73 $ 572.38 $ 978.18 $ 884.37 $ 558.75 $ 1,466.56 $ 373.18 AAR W/Drawal -0.32% -9.31% -1.10% -5.31% -25.31% 6.59% -44.61% AAR Account -0.32% -9.30% 2.10% -2.69% -21.11% 6.59% -39.06% Large-Cap Core Strategic Multi-Strategy (Equity Income) Value Start Date 1/2/96 1/2/96 10/2/00 Beginning AUV 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 15.503009 16.713457 8.662383 Days 2190 2190 455 Annual Fee (none) $ - $ - $ - CDSC $ - $ - $ - Ending ERV $ 1,550.21 $ 1,671.57 $ 802.27 AAR W/Drawal 7.58% 8.94% -16.20% AAR Account 7.58% 8.94% -10.88%
Dollar Values are per $1000 of initial premium Average Annual Return (AAR) of Surrender Value = [(ERV/$1000)/\(365/# days)]-1 Average Annual Total Return (AATR) of Surrender Value = (ERV/$1000)-1
Mid-Cap International Small-Cap Real Estate Growth LT Focused 30 Value Value Equity Index Index (REIT) Start Date 1/2/96 10/2/00 1/4/99 1/2/96 1/2/96 1/4/99 1/4/99 Beginning AUV 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 20.778681 7.032229 14.279820 10.832825 18.315224 11.223609 13.819011 Days 2190 455 1092 2190 2190 1092 1092 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - CDSC $ - $ - $ - $ - $ - $ - $ - Ending ERV $ 2,077.53 $ 638.21 $ 1,371.99 $ 1,083.14 $ 1,831.33 $ 1,066.33 $ 1,325.98 AAR W/Drawal 12.96% -30.25% 11.15% 1.34% 10.61% 2.17% 9.89% AAR Account 12.96% -24.65% 12.65% 1.34% 10.61% 3.93% 11.42% Inflation Managed Managed Bond Money Market Start Date 1/2/96 1/2/96 1/2/96 Beginning AUV 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 12.935447 13.502415 12.387528 Days 2190 2190 2190 Annual Fee (none) $ - $ - $ - CDSC $ - $ - $ - Ending ERV $ 1,293.31 $ 1,350.08 $ 1,238.55 AAR W/Drawal 4.38% 5.13% 3.63% AAR Account 4.38% 5.13% 3.63%
Large Cap High Yield Value Capital Opp Global MidCap Growth BlueChip Health Start Date 1/2/96 1/4/99 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 11.508400 11.870354 8.327811 8.383788 8.005332 8.028918 9.101629 Days 2190 1092 367 367 367 367 367 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - CDSC $ - $ - $ - $ - $ - $ - $ - Ending ERV $ 1,150.90 $ 1,130.98 $ 750.63 $ 756.25 $ 718.20 $ 720.61 $ 828.35 AAR W/Drawal 2.37% 4.20% -24.82% -24.26% -28.05% -27.81% -17.08% AAR Account 2.37% 5.90% -16.72% -16.16% -19.95% -19.71% -8.98% Telecom Agg Grow Financial Tech Start Date 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 10.000000 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 5.253255 7.909705 9.141828 5.823391 Days 367 367 367 367 Annual Fee (none) $ - $ - $ - $ - CDSC $ - $ - $ - $ - Ending ERV $ 441.93 $ 708.67 $ 832.37 $ 499.01 AAR W/Drawal -55.61% -29.00% -16.68% -49.91% AAR Account -47.47% -20.90% -8.58% -41.77%
Pacific Innovations Variable Annuity Separate Account From Inception of Fund
Aggresive Emerging Diversified Small-Cap International I-Net Multi- Equity Markets Research Equity Large-Cap Equity Tollkeeper Strategy Start Date 4/1/96 4/1/96 10/2/00 1/4/88 1/3/00 1/3/84 5/1/00 1/4/88 Beginning AUV 10.000000 10.000000 10.000000 3.715777 10.000000 2.515479 10.000000 4.848630 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 9.727639 5.791508 10.422392 16.915918 6.235545 14.663321 4.379878 15.503009 Days 2100 2100 455 5110 728 6572 609 5110 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - $ - CDSC $ - $ - $ 64.00 $ - $ 64.00 $ - $ 64.00 $ - Ending ERV $ 969.24 $ 576.14 $ 1,026.25 $ 4,534.74 $ 623.17 $ 5,803.82 $ 437.63 $ 3,181.99 AAR W/Drawal -0.54% -9.14% -1.10% 11.40% -25.31% 10.26% -44.61% 8.62% AAR Account -0.54% -9.14% 2.10% 11.40% -21.11% 10.26% -39.06% 8.62% Large-Cap Core (Equity Strategic Income) Value Start Date 1/4/88 1/3/00 Beginning AUV 4.348104 10.000000 End Date 12/31/01 12/31/01 Ending AUV 16.713457 8.662383 Days 5110 728 Annual Fee (none) $ - $ - CDSC $ - $ 64.00 Ending ERV $ 3,826.89 $ 794.74 AAR W/Drawal 10.06% -16.20% AAR Account 10.06% -10.88%
Dollar Values are per $1000 of initial premium Average Annual Return (AAR) of Surrender Value = [(ERV/$1000)/\(365/# days)]-1 Average Annual Total Return (AATR) of Surrender Value = (ERV/$1000)-1
Mid-Cap International Small-Cap Real Estate Inflation Growth LT Focused 30 Value Value Equity Index Index (REIT) Managed Start Date 1/3/94 1/3/00 1/4/99 1/4/88 1/30/91 1/4/99 1/4/99 1/4/88 Beginning AUV 6.634056 10.000000 10.000000 6.046630 5.257292 10.000000 10.000000 5.409269 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 20.778681 7.032229 14.279820 10.832825 18.315224 11.223609 13.819011 12.935447 Days 2919 728 1092 5110 3988 1092 1092 5110 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - $ - CDSC $ - $ 64.00 $ 56.00 $ - $ - $ 56.00 $ 64.00 $ - Ending ERV $ 2,650.04 $ 568.64 $ 1,428.13 $ 1,781.65 $ 3,009.53 $ 1,122.24 $ 1,379.57 $ 2,378.48 AAR W/Drawal 12.96% -30.25% 11.15% 4.21% 10.61% 2.17% 9.38% 6.38% AAR Account 12.96% -24.65% 12.65% 4.21% 10.61% 3.93% 11.35% 6.38% Managed Bond Money Market Start Date 1/4/88 1/4/88 Beginning AUV 5.184201 7.340021 End Date 12/31/01 12/31/01 Ending AUV 13.502415 12.387528 Days 5110 5110 Annual Fee (none) $ - $ - CDSC $ - $ - Ending ERV $ 2,590.94 $ 1,676.58 AAR W/Drawal 7.04% 3.76% AAR Account 7.04% 3.76% Large Cap MidCap High Yield Value Capital Opp Global Growth BlueChip Health Telecom Start Date 1/4/88 1/4/99 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 12/29/00 Beginning AUV 4.737509 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 12/31/01 Ending AUV 11.508400 11.870354 8.327811 8.383788 8.005332 8.028918 9.101629 5.253255 Days 5110 1092 367 367 367 367 367 367 Annual Fee (none) $ - $ - $ - $ - $ - $ - $ - $ - CDSC $ - $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 2,416.64 $ 1,187.09 $ 831.97 $ 837.59 $ 799.52 $ 801.93 $ 909.73 $ 523.45 AAR W/Drawal 6.51% 4.20% -24.82% -24.26% -28.05% -27.81% -17.08% -55.61% AAR Account 6.51% 5.90% -16.72% -16.16% -19.95% -19.71% -8.98% -47.47% Agg Grow Financial Tech Start Date 12/29/00 12/29/00 12/29/00 Beginning AUV 10.000000 10.000000 10.000000 End Date 12/31/01 12/31/01 12/31/01 Ending AUV 7.909705 9.141828 5.823391 Days 367 367 367 Annual Fee (none) $ - $ - $ - CDSC $ 81.00 $ 81.00 $ 81.00 Ending ERV $ 789.98 $ 913.75 $ 580.58 AAR W/Drawal -29.00% -16.68% -49.91% AAR Account -20.90% -8.58% -41.77%