EXHIBIT 13(1)

Pacific Innovations Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

From Inception of Fund

	2		3		4		5		6		7		8		9		10		11		12
	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		01/02/2001		01/02/2001		04/01/1996		01/03/2000		12/31/1992		01/03/2000		05/01/2000		01/02/2001		01/02/2001		01/02/2001		01/02/2001
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	$	—	$	—	$	1.38	$	—	$	—	$	0.92	$	0.92	$	—	$	—	$	0.46	$	0.46
CDSC	$	41.60	$	41.60	$	—	$	36.40	$	—	$	36.40	$	36.40	$	41.60	$	41.60	$	41.60	$	41.60
Ending ERV	$	586.34	$	605.84	$	552.39	$	779.08	$	1,689.31	$	505.82	$	264.54	$	769.96	$	688.34	$	307.86	$	273.99
AATR W/Drawal		-27.82%		-26.48%		-8.42%		-10.26%		5.38%		-23.44%		-44.47%		-16.02%		-21.07%		-50.76%		-54.32%
AATR Account		-23.48%		-22.22%		-8.41%		-8.00%		5.38%		-20.36%		-39.24%		-12.28%		-17.08%		-44.60%		-47.75%
	13		14		15		16		17		18		19		20		21		22		23
	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		10/02/2000		01/04/1994		10/02/2000		01/04/1999		12/31/1992		01/02/2001		01/02/2001		01/02/2001		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	$	—	$	—	$	0.46	$	—	$	0.92	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	36.40	$	—	$	36.40	$	—	$	—	$	41.60	$	41.60	$	41.60	$	—
Ending ERV	$	1,728.06	$	1,625.15	$	664.47	$	2,193.69	$	488.66	$	1,204.51	$	1,325.12	$	601.29	$	418.13	$	665.64	$	2,051.66
AATR W/Drawal		5.62%		4.98%		-19.87%		9.13%		-31.16%		4.77%		2.86%		-26.79%		-40.61%		-22.52%		7.45%
AATR Account		5.62%		4.98%		-16.64%		9.13%		-27.29%		4.77%		2.86%		-22.51%		-35.41%		-18.46%		7.45%
	24		25		26		27		28		29		30		31		32		33		34
	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		01/04/1999		01/04/1999		12/31/1992		12/31/1992		12/31/1992		12/31/1992		01/02/2002		01/02/2002		12/31/1992		04/01/1996		01/04/1999
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	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	52.65	$	52.65	$	—	$	—	$	—
Ending ERV	$	872.24	$	1,358.32	$	1,765.16	$	1,801.30	$	1,335.09	$	1,488.94	$	852.56	$	777.25	$	1,425.57	$	718.51	$	901.78
AATR W/Drawal		-3.37%		7.97%		5.85%		6.06%		2.93%		4.06%		-22.84%		-30.38%		3.61%		-4.79%		-2.56%
AATR Account		-3.37%		7.97%		5.85%		6.06%		2.93%		4.06%		-14.74%		-22.28%		3.61%		-4.78%		-2.56%

Dollar Values are per $1000 of initial premium

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

Pacific Innovations Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

From Inception of Separate Account

	2		3		4		5		6		7		8		9		10		11		12
	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		01/02/2001		01/02/2001		04/17/1996		01/03/2000		10/01/1999		01/03/2000		05/01/2000		01/02/2001		01/02/2001		01/02/2001		01/02/2001
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	$	—	$	—	$	0.92	$	—	$	0.92	$	0.92	$	0.92	$	—	$	—	$	0.46	$	0.46
CDSC	$	41.60	$	41.60	$	—	$	36.40	$	—	$	36.40	$	36.40	$	41.60	$	41.60	$	41.60	$	41.60
Ending ERV	$	586.34	$	605.84	$	547.14	$	779.08	$	708.12	$	505.82	$	264.54	$	769.96	$	688.34	$	307.86	$	273.99
AATR W/Drawal		-27.82%		-26.48%		-8.61%		-10.26%		-10.09%		-23.44%		-44.47%		-16.02%		-21.07%		-50.76%		-54.32%
AATR Account		-23.48%		-22.22%		-8.60%		-8.00%		-10.07%		-20.36%		-39.24%		-12.28%		-17.08%		-44.60%		-47.75%
	13		14		15		16		17		18		19		20		21		22		23
	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		01/02/1996		01/02/1996		10/02/2000		01/02/1996		10/02/2000		01/04/1999		01/02/1996		01/02/2001		01/02/2001		01/02/2001		01/02/1996
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	$	—	$	—	$	0.46	$	—	$	0.92	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	36.40	$	—	$	36.40	$	—	$	—	$	41.60	$	41.60	$	41.60	$	—
Ending ERV	$	1,329.00	$	1,180.00	$	664.47	$	1,455.32	$	488.66	$	1,204.51	$	919.66	$	601.29	$	418.13	$	665.64	$	1,402.49
AATR W/Drawal		4.15%		2.39%		-19.87%		5.51%		-31.16%		4.77%		-1.19%		-26.79%		-40.61%		-22.52%		4.95%
AATR Account		4.15%		2.39%		-16.64%		5.51%		-27.29%		4.77%		-1.19%		-22.51%		-35.41%		-18.46%		4.95%
	24		25		26		27		28		29		30		31		32		33		34
	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		01/04/1999		01/04/1999		01/02/1996		01/02/1996		01/02/1996		01/02/1996		01/02/2002		01/02/2002		01/02/1996		04/17/1996		01/04/1999
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	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	52.65	$	52.65	$	—	$	—	$	—
Ending ERV	$	872.24	$	1,358.32	$	1,472.64	$	1,477.06	$	1,238.81	$	1,100.88	$	852.56	$	777.25	$	1,062.64	$	725.13	$	901.78
AATR W/Drawal		-3.37%		7.97%		5.69%		5.73%		3.11%		1.38%		-22.84%		-30.38%		0.87%		-4.69%		-2.56%
AATR Account		-3.37%		7.97%		5.69%		5.73%		3.11%		1.38%		-14.74%		-22.28%		0.87%		-4.68%		-2.56%

Dollar Values are per $1000 of initial premium

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

Pacific Innovations Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last Year Ending 12/31/01

	2			3			4			5			6			7			8			9			10			11			12
	Blue Chip			Aggressive Growth			Emerging Markets			Diversified Research			Small-Cap Equity			International Large-Cap			I-Net Tollkeeper			Financial Services			Health Sciences			Technology			Telecommunications
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	$	0.46		$	0.46		$	—		$	0.46		$	0.46		$	—		$	0.46		$	—		$	0.46		$	0.46		$	0.46
CDSC	$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00
Ending ERV	$	729.82		$	765.48		$	955.84		$	747.04		$	753.11		$	812.27		$	604.82		$	842.24		$	755.82		$	528.62		$	521.56
AATR W/Drawal		-35.12	%		-31.55	%		-12.52	%		-33.40	%		-32.79	%		-26.87	%		-47.62	%		-23.88	%		-32.52	%		-55.24	%		-55.94	%
AATR Account		-27.02	%		-23.45	%		-4.42	%		-25.30	%		-24.69	%		-18.77	%		-39.52	%		-15.78	%		-24.42	%		-47.14	%		-47.84	%
	13			14			15			16			17			18			19			20			21			22			23
	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	$	—		$	0.46		$	0.46		$	0.46		$	0.46		$	—		$	—		$	0.46		$	0.46		$	—		$	0.46
CDSC	$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00
Ending ERV	$	857.25		$	705.56		$	767.17		$	699.93		$	695.65		$	843.51		$	848.95		$	721.57		$	521.85		$	793.96		$	765.29
AATR W/Drawal		-22.37	%		-37.54	%		-31.38	%		-38.11	%		-38.53	%		-23.75	%		-23.20	%		-35.94	%		-55.91	%		-28.70	%		-31.57	%
AATR Account		-14.27	%		-29.44	%		-23.28	%		-30.01	%		-30.43	%		-15.65	%		-15.10	%		-27.84	%		-47.81	%		-20.60	%		-23.47	%
	24			25			26			27			28			29			30			31			32			33			34
	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	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	0.46		$	0.46		$	0.46
CDSC	$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00		$	81.00
Ending ERV	$	777.15		$	982.93		$	1,138.45		$	1,093.92		$	1,000.05		$	956.59		$	852.56		$	777.25		$	724.23		$	738.17		$	759.23
AATR W/Drawal		-30.39	%		-9.81	%		5.75	%		1.29	%		-8.10	%		-12.44	%		-22.84	%		-30.38	%		-35.68	%		-34.28	%		-32.18	%
AATR Account		-22.29	%		-1.71	%		13.85	%		9.39	%		0.00	%		-4.34	%		-14.74	%		-22.28	%		-27.58	%		-26.18	%		-24.08	%

Dollar Values are per $1000 of initial premium

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

Pacific Innovations Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 3 Years ending 12/31/99

	2			3			4			5			6			7			8			9	10			11			12
	Blue Chip			Aggressive Growth			Emerging Markets			Diversified Research			Small-Cap Equity			International Large-Cap			I-Net Tollkeeper			Financial Services	Health Sciences			Technology			Telecommunications
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							$	1.38		$	—		$	1.38		$	0.92
CDSC							$	56.00		$	56.00		$	56.00		$	56.00
Ending ERV							$	544.54		$	779.08		$	552.90		$	505.66
AATR W/Drawal								-21.24	%		-10.24	%		-20.79	%		-23.39	%
AATR Account								-18.34	%		-7.98	%		-17.92	%		-20.33	%
	13			14			15			16			17			18			19			20	21			22			23
	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	$	—		$	0.46					$	0.92					$	—		$	0.92									$	0.46
CDSC	$	56.00		$	56.00					$	56.00					$	56.00		$	56.00									$	56.00
Ending ERV	$	830.18		$	583.15					$	374.83					$	1,160.86		$	570.52									$	592.86
AATR W/Drawal		-8.18	%		-19.22	%					-31.68	%					3.38	%		-19.87	%									-18.73	%
AATR Account		-6.02	%		-16.45	%					-27.90	%					5.10	%		-17.06	%									-15.99	%
	24			25			26			27			28			29			30			31	32			33			34
	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	$	0.46		$	—		$	—		$	—		$	—		$	—						$	1.38		$	0.92		$	—
CDSC	$	56.00		$	56.00		$	56.00		$	56.00		$	56.00		$	56.00						$	56.00		$	56.00		$	56.00
Ending ERV	$	740.54		$	1,377.52		$	1,291.08		$	1,273.28		$	1,072.40		$	907.65						$	411.47		$	468.42		$	820.42
AATR W/Drawal		-11.87	%		9.74	%		7.29	%		6.77	%		0.54	%		-5.21	%						-29.16	%		-25.56	%		-8.57	%
AATR Account		-9.53	%		11.27	%		8.89	%		8.39	%		2.36	%		-3.18	%						-25.62	%		-22.34	%		-6.39	%

Dollar Values are per $1000 of initial premium

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

Pacific Innovations Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 5 Years ending 12/31/97

	2			3			4			5			6			7			8			9	10			11			12
	Blue Chip			Aggressive Growth			Emerging Markets			Diversified Research			Small-Cap Equity			International Large-Cap			I-Net Tollkeeper			Financial Services	Health Sciences			Technology			Telecommunications
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							$	1.85					$	—
CDSC							$	—					$	—
Ending ERV							$	594.72					$	816.16
AATR W/Drawal								-9.87	%					-3.98	%
AATR Account								-9.87	%					-3.98	%
	13			14			15			16			17			18			19			20	21			22			23
	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	$	—		$	—					$	—								$	0.46									$	—
CDSC	$	—		$	—					$	—								$	—									$	—
Ending ERV	$	1,021.18		$	798.21					$	1,145.24								$	720.13									$	893.73
AATR W/Drawal		0.42	%		-4.41	%					2.75	%								-6.36	%									-2.22	%
AATR Account		0.42	%		-4.41	%					2.75	%								-6.36	%									-2.22	%
	24			25			26			27			28			29			30			31	32			33			34
	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							$	—		$	—		$	—		$	—						$	0.46		$	0.46
CDSC							$	—		$	—		$	—		$	—						$	—		$	—
Ending ERV							$	1,344.65		$	1,326.21		$	1,152.19		$	930.59						$	723.59		$	657.43
AATR W/Drawal								6.10	%		5.81	%		2.87	%		-1.43	%						-6.27	%		-8.05	%
AATR Account								6.10	%		5.81	%		2.87	%		-1.43	%						-6.27	%		-8.05	%

Dollar Values are per $1000 of initial premium

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

Pacific Innovations Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 10 Years ending 12/31/92

	2			3			4			5			6			7			8			9	10			11	12
	Blue Chip			Aggressive Growth			Emerging Markets			Diversified Research			Small-Cap Equity			International Large-Cap			I-Net Tollkeeper			Financial Services	Health Sciences			Technology	Telecommunications
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													$	—
CDSC													$	—
Ending ERV													$	1,689.31
AATR W/Drawal														5.38	%
AATR Account														5.38	%
	13			14			15			16			17			18			19			20	21			22	23
	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	$	—		$	—														$	—							$	—
CDSC	$	—		$	—														$	—							$	—
Ending ERV	$	1,728.06		$	1,625.15														$	1,325.12							$	2,051.66
AATR W/Drawal		5.62	%		4.98	%														2.86	%							7.45	%
AATR Account		5.62	%		4.98	%														2.86	%							7.45	%
	24			25			26			27			28			29			30			31	32			33	34
	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							$	—		$	—		$	—		$	—						$	—
CDSC							$	—		$	—		$	—		$	—						$	—
Ending ERV							$	1,765.16		$	1,801.30		$	1,335.09		$	1,488.94						$	1,425.57
AATR W/Drawal								5.85	%		6.06	%		2.93	%		4.06	%						3.61	%
AATR Account								5.85	%		6.06	%		2.93	%		4.06	%						3.61	%

Dollar Values are per $1000 of initial premium

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