Performance Calculations

EX-99.13 4 dex9913.htm PERFORMANCE CALCULATIONS Performance Calculations

EXHIBIT 13

Pacific Portfolios Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

From Inception of Fund

	Blue Chip		Aggressive Growth		Emerging Markets		Diversified Research		Small-Cap Equity		International Large-Cap		I-Net Tollkeeper		Financial Services		Health Sciences		Technology		Telecommun- ications
Start Date		1/2/2001		1/2/2001		4/1/1996		1/3/2000		12/31/1992		1/3/2000		5/1/2000		1/2/2001		1/2/2001		1/2/2001		1/2/2001
Beginning AUV		10		10		10		10		7.545894929		10		10		10		10		10		10
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		5.863374		6.058383		5.535756		7.790781		12.747352		5.064973		2.651049		7.699572		6.883393		3.081028		2.742295
Days		728		728		2,465		1,093		3,652		1,093		974		728		728		728		728
Annual Fee ($0)	$	0.89	$	0.89	$	5.33	$	1.78	$	—	$	1.78	$	1.78	$	0.89	$	0.89	$	0.89	$	0.89
CDSC	$	28.35	$	28.35	$	—	$	24.30	$	—	$	24.30	$	24.30	$	28.35	$	28.35	$	28.35	$	28.35
Ending ERV	$	585.69	$	605.16	$	549.82	$	777.78		1,687.90	$	505.19	$	264.02	$	769.20	$	687.66	$	307.64	$	273.77
AATR W/Drawal		-27.83%		-26.49%		-8.50%		-10.27%		5.37%		-23.39%		-44.37%		-16.06%		-21.07%		-50.72%		-54.28%
AATR Account		-23.53%		-22.26%		-8.48%		-8.05%		5.37%		-20.39%		-39.29%		-12.33%		-17.12%		-44.62%		-47.77%

	Multi- Strategy		Large-Cap Core		Strategic Value		Growth LT		Focused 30		Mid-Cap Value		International Value		Capital Opportunities		Mid-Cap Growth		Global Growth		Equity Index
Start Date		12/31/1992		12/31/1992		10/2/2000		1/4/1994		10/2/2000		1/4/1999		12/31/1992		1/2/2001		1/2/2001		1/2/2001		12/31/1992
Beginning AUV		7.690714346		7.260880457		10		6.634101737		10		10		6.940173533		10		10		10		6.83587819
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		13.290022		11.800039		6.649491		14.553163		4.895217		12.045122		9.196564		6.012902		4.181317		6.656409		14.024888
Days		3,652		3,652		820		3,283		820		1,457		3,652		728		728		728		3,652
Annual Fee ($0)	$	0.89	$	0.89	$	1.78	$	—	$	1.78	$	0.89	$	—	$	0.89	$	0.89	$	0.89	$	—
CDSC	$	—	$	—	$	24.30	$	—	$	24.30	$	20.25	$	—	$	28.35	$	28.35	$	28.35	$	—
Ending ERV		1,725.17		1,622.42	$	663.27	$	2,193.69	$	487.85	$	1,203.43		1,325.12	$	600.65	$	417.67	$	664.94		2,048.27
AATR W/Drawal		5.60%		4.96%		-19.84%		9.13%		-31.11%		3.75%		2.86%		-26.80%		-40.61%		-22.53%		7.43%
AATR Account		5.60%		4.96%		-16.70%		9.13%		-27.35%		4.75%		2.86%		-22.55%		-35.45%		-18.50%		7.43%

	Small-Cap Index		Real Estate		Inflation Managed		Managed Bond		Money Market		High Yield Bond		Equity Income		Research		Equity		Aggressive Equity		Large-Cap Value
Start Date		1/4/1999		1/4/1999		12/31/1992		12/31/1992		12/31/1992		12/31/1992		1/2/2002		1/2/2002		12/31/1992		4/1/1996		1/4/1999
Beginning AUV		10		10		8.342795328		8.199955394		9.278833183		7.393702389		10		10		7.454115401		10		10
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		8.722391		13.583171		14.726397		14.770574		12.388093		11.008803		8.525561		7.772467		10.626376		7.185148		9.017837
Days		1,457		1,457		3,652		3,652		3,652		3,652		363		363		3,652		2,465		1,457
Annual Fee ($0)	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	2.67	$	—	$	—	$	0.89	$	2.67	$	0.89
CDSC	$	20.25	$	20.25	$	—	$	—	$	—	$	—	$	28.35	$	28.35	$	—	$	—	$	20.25
Ending ERV	$	871.54	$	1,357.07		1,762.19		1,798.30		1,331.67		1,488.94	$	852.56	$	777.25		1,424.42	$	716.51	$	901.02
AATR W/Drawal		-4.69%		7.04%		5.83%		6.04%		2.91%		4.06%		-21.13%		-28.66%		3.60%		-4.83%		-3.84%
AATR Account		-3.39%		7.95%		5.83%		6.04%		2.91%		4.06%		-14.74%		-22.28%		3.60%		-4.82%		-2.58%

Dollar Values are per $1000 of initial premium

Average Annual Total Return (AATR) of Surrender Value = [(ERV/$1000)^(365/# days)]-1

Pacific Portfolios Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

From Inception of Separate Account

	Blue Chip		Aggressive Growth		Emerging Markets		Diversified Research		Small-Cap Equity		International Large-Cap		I-Net Tollkeeper		Financial Services		Health Sciences		Technology		Telecommun- ications
Start Date		1/2/2001		1/2/2001		4/17/1996		1/3/2000		10/1/1999		1/3/2000		5/1/2000		1/2/2001		1/2/2001		1/2/2001		1/2/2001
Beginning AUV		10		10		10.102463		10		17.977974		10		10		10		10		10		10
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		5.863374		6.058383		5.535756		7.790781		12.747352		5.064973		2.651049		7.699572		6.883393		3.081028		2.742295
Days		728		728		2,449		1,093		1,187		1,093		974		728		728		728		728
Annual Fee ($0)	$	0.89	$	0.89	$	5.33	$	1.78	$	1.78	$	1.78	$	1.78	$	0.89	$	0.89	$	0.89	$	0.89
CDSC	$	28.35	$	28.35	$	—	$	24.30	$	20.25	$	24.30	$	24.30	$	28.35	$	28.35	$	28.35	$	28.35
Ending ERV	$	585.69	$	605.16	$	544.20	$	777.78	$	707.26	$	505.19	$	264.02	$	769.20	$	687.66	$	307.64	$	273.77
AATR W/Drawal		-27.83%		-26.49%		-8.69%		-10.27%		-11.94%		-23.39%		-44.37%		-16.06%		-21.07%		-50.72%		-54.28%
AATR Account		-23.53%		-22.26%		-8.67%		-8.05%		-10.10%		-20.39%		-39.29%		-12.33%		-17.12%		-44.62%		-47.77%

	Multi- Strategy		Large-Cap Core		Strategic Value		Growth LT		Focused 30		Mid-Cap Value		International Value		Capital Opportunities		Mid-Cap Growth		Global Growth		Equity Index
Start Date		1/2/1996		1/2/1996		10/2/2000		1/2/1996		10/2/2000		1/4/1999		1/2/1996		1/2/2001		1/2/2001		1/2/2001		1/2/1996
Beginning AUV		10		10		10		10		10		10		10		10		10		10		10
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		13.290022		11.800039		6.649491		14.553163		4.895217		12.045122		9.196564		6.012902		4.181317		6.656409		14.024888
Days		2,555		2,555		820		2,555		820		1,457		2,555		728		728		728		2,555
Annual Fee ($0)		0.88888889		0		1.77777778		0		1.77777778		0.888888889		0.888888889		0.888888889		0.88888889		0.888888889		0
CDSC	$	—	$	—	$	24.30	$	—	$	24.30	$	20.25	$	—	$	28.35	$	28.35	$	28.35	$	—
Ending ERV	$	1,327.93	$	1,180.00	$	663.27	$	1,455.32	$	487.85	$	1,203.43	$	918.90	$	600.65	$	417.67	$	664.94	$	1,402.49
AATR W/Drawal		4.13%		2.39%		-19.84%		5.51%		-31.11%		3.75%		-1.21%		-26.80%		-40.61%		-22.53%		4.95%
AATR Account		4.13%		2.39%		-16.70%		5.51%		-27.35%		4.75%		-1.20%		-22.55%		-35.45%		-18.50%		4.95%

	Small-Cap Index		Real Estate		Inflation Managed		Managed Bond		Money Market		High Yield Bond		Equity Income		Research		Equity		Aggressive Equity		Large-Cap Value
Start Date		1/4/1999		1/4/1999		1/2/1996		1/2/1996		1/2/1996		1/2/1996		1/2/2002		1/2/2002		1/2/1996		4/17/1996		1/4/1999
Beginning AUV		10		10		10		10		10		10		10		10		10		9.90872		10
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		8.722391		13.583171		14.726397		14.770574		12.388093		11.008803		8.525561		7.772467		10.626376		7.185148		9.017837
Days		1,457		1,457		2,555		2,555		2,555		2,555		363		363		2,555		2,449		1,457
Annual Fee ($0)		0.88888889		0.88888889		1.77777778		0.888888889		1.77777778		0.888888889		0		0		0		2.666666667		0.888888889
CDSC	$	20.25	$	20.25	$	—	$	—	$	—	$	—	$	28.35	$	28.35	$	—	$	—	$	20.25
Ending ERV	$	871.54	$	1,357.07	$	1,470.15	$	1,475.77	$	1,236.72	$	1,099.99	$	852.56	$	777.25	$	1,062.64	$	723.16	$	901.02
AATR W/Drawal		-4.69%		7.04%		5.66%		5.72%		3.08%		1.36%		-21.13%		-28.66%		0.86%		-4.73%		-3.84%
AATR Account		-3.39%		7.95%		5.66%		5.72%		3.08%		1.37%		-14.74%		-22.28%		0.87%		-4.72%		-2.58%

Dollar Values are per $1000 of initial premium

Average Annual Total Return (AATR) of Surrender Value = [(ERV/$1000)^(365/# days)]-1

Pacific Portfolios Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last Year Ending 12/31/01

	Blue Chip		Aggressive Growth		Emerging Markets		Diversified Research		Small-Cap Equity		International Large-Cap		I-Net Tollkeeper		Financial Services		Health Sciences		Technology		Telecommun- ications
Start Date		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001
Beginning AUV		8.028918		7.909705		5.791508		10.422392		16.915918		6.235545		4.379878		9.141828		9.101629		5.823391		5.253255
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		5.863374		6.058383		5.535756		7.790781		12.747352		5.064973		2.651049		7.699572		6.883393		3.081028		2.742295
Annual Fee ($0)	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89
CDSC	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00
Ending ERV	$	729.39	$	765.05	$	954.95	$	746.62	$	752.68	$	811.39	$	604.39	$	841.35	$	755.39	$	528.19	$	521.13
AATR W/Drawal		-33.36%		-29.79%		-10.80%		-31.64%		-31.03%		-25.16%		-45.86%		-22.17%		-30.76%		-53.48%		-54.19%
AATR Account		-27.06%		-23.49%		-4.50%		-25.34%		-24.73%		-18.86%		-39.56%		-15.87%		-24.46%		-47.18%		-47.89%

	Multi- Strategy		Large-Cap Core		Strategic Value		Growth LT		Focused 30		Mid-Cap Value		International Value		Capital Opportunities		Mid-Cap Growth		Global Growth		Equity Index
Start Date		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001
Beginning AUV		15.503009		16.713457		8.662383		20.778681		7.032229		14.27982		10.832825		8.327811		8.005332		8.383788		18.315224
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		13.290022		11.800039		6.649491		14.553163		4.895217		12.045122		9.196564		6.012902		4.181317		6.656409		14.024888
Annual Fee ($0)	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89
CDSC	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00
Ending ERV	$	856.37	$	705.13	$	766.74	$	699.50	$	695.22	$	842.62	$	848.06	$	721.14	$	521.43	$	793.07	$	764.86
AATR W/Drawal		-20.66%		-35.79%		-29.63%		-36.35%		-36.78%		-22.04%		-21.49%		-34.19%		-54.16%		-26.99%		-29.81%
AATR Account		-14.36%		-29.49%		-23.33%		-30.05%		-30.48%		-15.74%		-15.19%		-27.89%		-47.86%		-20.69%		-23.51%

	Small-Cap Index		Real Estate		Inflation Managed		Managed Bond		Money Market		High Yield Bond		Equity Income		Research		Equity		Aggressive Equity		Large-Cap Value
Start Date		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001		12/31/2001
Beginning AUV		11.223609		13.819011		12.935447		13.502415		12.387528		11.5084		10		10		14.663321		9.727639		11.870354
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV		8.722391		13.583171		14.726397		14.770574		12.388093		11.008803		8.525561		7.772467		10.626376		7.185148		9.017837
Annual Fee ($0)	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89	$	0.89
CDSC	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00
Ending ERV	$	776.26	$	982.04	$	1,138.45	$	1,093.03	$	999.16	$	955.70	$	852.56	$	777.25	$	723.80	$	737.74	$	758.81
AATR W/Drawal		-28.67%		-8.10%		7.55%		3.00%		-6.38%		-10.73%		-21.13%		-28.66%		-33.92%		-32.53%		-30.42%
AATR Account		-22.37%		-1.80%		13.85%		9.30%		-0.08%		-4.43%		-14.74%		-22.28%		-27.62%		-26.23%		-24.12%

Dollar Values are per $1000 of initial premium

Average Annual Total Return (AATR) of Surrender Value = [ERV/$1000]-1

Pacific Portfolios Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 3 Years ending 12/31/99

	Blue Chip		Aggressive Growth		Emerging Markets		Diversified Research		Small-Cap Equity		International Large-Cap		I-Net Tollkeeper		Financial Services	Health Sciences		Technology		Telecommun- ications
Start Date		N/A		N/A		12/31/1999		12/31/1999		12/31/1999		12/31/1999		N/A	N/A		N/A		N/A		N/A
Beginning AUV						10.141653		10		23.007663		10
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV						5.535756		7.790781		12.747352		5.064973
Annual Fee ($0)					$	2.67	$	2.67	$	2.67	$	2.67
CDSC					$	54.00	$	54.00	$	54.00	$	54.00
Ending ERV					$	543.34	$	776.89	$	551.85	$	504.30
AATR W/Drawal						-21.20%		-10.25%		-20.74%		-23.35%
AATR Account						-18.40%		-8.07%		-17.98%		-20.40%

	Multi- Strategy		Large-Cap Core		Strategic Value		Growth LT		Focused 30		Mid-Cap Value		International Value		Capital Opportunities	Mid-Cap Growth		Global Growth		Equity Index
Start Date		12/31/1999		12/31/1999		N/A		12/31/1999		N/A		12/31/1999		12/31/1999	N/A		N/A		N/A		12/31/1999
Beginning AUV		16.008586		20.219032				38.744794				10.376038		16.095415							23.637829
End Date		12/31/2002		12/31/2002				12/31/2002				12/31/2002		12/31/2002							12/31/2002
Ending AUV		13.290022		11.800039				14.553163				12.045122		9.196564							14.024888
Annual Fee ($0)	$	2.67	$	2.67			$	2.67			$	—	$	2.67						$	2.67
CDSC	$	54.00	$	54.00			$	54.00			$	54.00	$	54.00						$	54.00
Ending ERV	$	827.79	$	581.53			$	373.67			$	1,160.86	$	569.15						$	591.16
AATR W/Drawal		-8.19%		-19.20%				-31.62%				3.44%		-19.84%							-18.71%
AATR Account		-6.11%		-16.53%				-27.97%				5.10%		-17.13%							-16.07%

	Small-Cap Index		Real Estate		Inflation Managed		Managed Bond		Money Market		High Yield Bond		Equity Income		Research	Equity		Aggressive Equity		Large-Cap Value
Start Date		12/31/1999		12/31/1999		12/31/1999		12/31/1999		12/31/1999		12/31/1999		N/A	N/A		12/31/1999		12/31/1999		12/31/1999
Beginning AUV		11.771037		9.860573		11.406225		11.600428		11.551771		12.128888					25.759119		15.312881		10.991754
End Date		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002		12/31/2002		12/31/2002
Ending AUV		8.722391		13.583171		14.726397		14.770574		12.388093		11.008803					10.626376		7.185148		9.017837
Annual Fee ($0)	$	2.67	$	—	$	0.89	$	0.89	$	2.67	$	2.67				$	2.67	$	2.67	$	1.78
CDSC	$	54.00	$	54.00	$	54.00	$	54.00	$	54.00	$	54.00				$	54.00	$	54.00	$	54.00
Ending ERV	$	738.73	$	1,377.52	$	1,290.04	$	1,272.25	$	1,069.71	$	905.06				$	410.50	$	467.14	$	818.85
AATR W/Drawal		-11.86%		9.79%		7.32%		6.80%		0.52%		-5.23%					-29.09%		-25.52%		-8.55%
AATR Account		-9.60%		11.27%		8.86%		8.36%		2.27%		-3.27%					-25.68%		-22.41%		-6.44%

Dollar Values are per $1000 of initial premium

Average Annual Total Return (AATR) of Surrender Value = [(ERV/$1000)^(1/3)]-1

Pacific Portfolios Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 5 Years ending 12/31/97

	Blue Chip		Aggressive Growth		Emerging Markets		Diversified Research		Small-Cap Equity		International Large-Cap		I-Net Tollkeeper		Financial Services	Health Sciences		Technology		Telecommun- ications
Start Date		N/A		N/A		12/31/1997		N/A		12/31/1997		N/A		N/A	N/A		N/A		N/A		N/A
Beginning AUV						9.281881				15.618726
End Date						12/31/2002				12/31/2002
Ending AUV						5.535756				12.747352
Annual Fee ($0)					$	4.44			$	2.67
CDSC					$	27.00			$	27.00
Ending ERV						592.68				813.88
AATR W/Drawal						-10.77%				-4.68%
AATR Account						-9.93%				-4.04%

	Multi- Strategy		Large-Cap Core		Strategic Value		Growth LT		Focused 30		Mid-Cap Value		International Value		Capital Opportunities	Mid-Cap Growth		Global Growth		Equity Index
Start Date		12/31/1997		12/31/1997		N/A		12/31/1997		N/A		N/A		12/31/1997	N/A		N/A		N/A		12/31/1997
Beginning AUV		13.014333		14.783078				12.707541						12.762569							15.69257
End Date		12/31/2002		12/31/2002				12/31/2002						12/31/2002							12/31/2002
Ending AUV		13.290022		11.800039				14.553163						9.196564							14.024888
Annual Fee ($0)	$	0.89	$	0.89			$	—					$	3.56						$	0.89
CDSC	$	27.00	$	27.00			$	27.00					$	27.00						$	27.00
Ending ERV		1,020.29		797.32				1,145.24						717.75							892.84
AATR W/Drawal		-0.13%		-5.09%				2.26%						-7.13%							-2.84%
AATR Account		0.40%		-4.43%				2.75%						-6.42%							-2.24%

	Small-Cap Index		Real Estate		Inflation Managed		Managed Bond		Money Market		High Yield Bond		Equity Income		Research	Equity		Aggressive Equity		Large- Cap Value
Start Date		N/A		N/A		12/31/1997		12/31/1997		12/31/1997		12/31/1997		N/A	N/A		12/31/1997		12/31/1997		N/A
Beginning AUV						10.95187		11.137453		10.751784		11.82987					14.676255		10.921505
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002		12/31/2002
Ending AUV						14.726397		14.770574		12.388093		11.008803					10.626376		7.185148
Annual Fee ($0)					$	1.78	$	1.78	$	1.78	$	4.44				$	1.78	$	2.67
CDSC					$	27.00	$	27.00	$	27.00	$	27.00				$	27.00	$	27.00
Ending ERV						1,342.39		1,323.98		1,150.25		926.38					722.52		655.81
AATR W/Drawal						5.64%		5.34%		2.35%		-2.10%					-7.00%		-8.86%
AATR Account						6.07%		5.77%		2.84%		-1.52%					-6.29%		-8.09%

Dollar Values are per $1000 of initial premium

Average Annual Total Return (AATR) of Surrender Value = [(ERV/$1000)^(1/5)]-1

Pacific Portfolios Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 10 Years ended 12/31/92

	Blue Chip		Aggressive Growth		Emerging Markets		Diversified Research		Small-Cap Equity		International Large-Cap		I-Net Tollkeeper		Financial Services	Health Sciences		Technology	Telecommun- ications
Start Date		N/A		N/A		N/A		N/A		12/31/1992		N/A		N/A	N/A		N/A	N/A		N/A
Beginning AUV										7.545894929
End Date										12/31/2002
Ending AUV										12.747352
Annual Fee ($0)									$	0.89
CDSC									$	—
Ending ERV										1,687.90
AATR W/Drawal										5.37%
AATR Account										5.37%

	Multi- Strategy		Large-Cap Core		Strategic Value		Growth LT		Focused 30		Mid-Cap Value		International Value		Capital Opportunities	Mid-Cap Growth		Global Growth	Equity Index
Start Date		12/31/1992		12/31/1992		N/A		N/A		N/A		N/A		12/31/1992	N/A		N/A	N/A		12/31/1992
Beginning AUV		7.690714346		7.260880457										6.940173533						6.83587819
End Date		12/31/2002		12/31/2002										12/31/2002						12/31/2002
Ending AUV		13.290022		11.800039										9.196564						14.024888
Annual Fee ($0)	$	1.78	$	1.78									$	—					$	1.78
CDSC	$	—	$	—									$	—					$	—
Ending ERV		1,725.17		1,622.42										1,325.12						2,048.27
AATR W/Drawal		5.60%		4.96%										2.86%						7.43%
AATR Account		5.60%		4.96%										2.86%						7.43%

	Small-Cap Index		Real Estate		Inflation Managed		Managed Bond		Money Market		High Yield Bond		Equity Income		Research	Equity		Aggressive Equity	Large-Cap Value
Start Date		N/A		N/A		12/31/1992		12/31/1992		12/31/1992		12/31/1992		N/A	N/A		12/31/1992	N/A		N/A
Beginning AUV						8.342795328		8.199955394		9.278833183		7.393702389					7.454115401
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002
Ending AUV						14.726397		14.770574		12.388093		11.008803					10.626376
Annual Fee ($0)					$	1.78	$	1.78	$	2.67	$	—				$	0.89
CDSC					$	—	$	—	$	—	$	—				$	—
Ending ERV						1,762.19		1,798.30		1,331.67		1,488.94					1,424.42
AATR W/Drawal						5.83%		6.04%		2.91%		4.06%					3.60%
AATR Account						5.83%		6.04%		2.91%		4.06%					3.60%

Dollar Values are per $1000 of initial premium

Average Annual Total Return (AATR) of Surrender Value = [(ERV/$1000)^(1/10)]-1