EXHIBIT 13(a)(1)

Pacific Value 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		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 ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	63.00	$	63.00	$	36.00	$	63.00	$	—	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00
Ending ERV	$	609.79	$	630.07	$	575.72	$	810.24	$	1,756.88	$	526.76	$	275.71	$	800.76	$	715.87	$	320.43	$	285.20
AATR W/Drawal		-26.12%		-24.75%		-8.73%		-9.27%		5.80%		-22.63%		-44.01%		-14.14%		-19.25%		-49.36%		-52.96%
AATR Account		-21.96%		-20.67%		-7.85%		-6.79%		5.80%		-19.27%		-38.30%		-10.54%		-15.43%		-43.48%		-46.69%
	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)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	63.00	$	—	$	63.00	$	63.00	$	—	$	63.00	$	63.00	$	63.00	$	—
Ending ERV	$	1,797.18	$	1,690.16	$	691.55	$	2,281.44	$	509.10	$	1,252.69	$	1,378.12	$	625.34	$	434.86	$	692.27	$	2,133.72
AATR W/Drawal		6.04%		5.39%		-18.67%		9.60%		-30.18%		4.45%		3.26%		-25.07%		-39.10%		-20.72%		7.87%
AATR Account		6.04%		5.39%		-15.14%		9.60%		-25.96%		5.81%		3.26%		-20.97%		-34.13%		-16.84%		7.87%
	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 ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	63.00	$	63.00	$	—	$	—	$	—	$	—	$	63.00	$	63.00	$	—	$	36.00	$	63.00
Ending ERV	$	907.13	$	1,412.65	$	1,835.77	$	1,873.35	$	1,388.50	$	1,548.50	$	886.66	$	808.34	$	1,482.59	$	747.26	$	937.86
AATR W/Drawal		-4.16%		7.80%		6.26%		6.48%		3.34%		4.47%		-17.63%		-25.47%		4.02%		-4.92%		-3.29%
AATR Account		-2.41%		9.04%		6.26%		6.48%		3.34%		4.47%		-11.33%		-19.17%		4.02%		-4.22%		-1.59%

Dollar Values are per $1000 of initial premium

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

Pacific Value 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		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)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	63.00	$	63.00	$	36.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00
Ending ERV	$	609.79	$	630.07	$	569.88	$	810.24	$	737.42	$	526.76	$	275.71	$	800.76	$	715.87	$	320.43	$	285.20
AATR W/Drawal		-26.12%		-24.75%		-8.93%		-9.27%		-11.41%		-22.63%		-44.01%		-14.14%		-19.25%		-49.36%		-52.96%
AATR Account		-21.96%		-20.67%		-8.04%		-6.79%		-8.94%		-19.27%		-38.30%		-10.54%		-15.43%		-43.48%		-46.69%
	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)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	36.00	$	36.00	$	63.00	$	36.00	$	63.00	$	63.00	$	36.00	$	63.00	$	63.00	$	63.00	$	36.00
Ending ERV	$	1,382.16	$	1,227.20	$	691.55	$	1,513.53	$	509.10	$	1,252.69	$	956.44	$	625.34	$	434.86	$	692.27	$	1,458.59
AATR W/Drawal		4.34%		2.53%		-18.67%		5.74%		-30.18%		4.45%		-1.18%		-25.07%		-39.10%		-20.72%		5.16%
AATR Account		4.73%		2.97%		-15.14%		6.10%		-25.96%		5.81%		-0.63%		-20.97%		-34.13%		-16.84%		5.54%
	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 ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	63.00	$	63.00	$	36.00	$	36.00	$	36.00	$	36.00	$	63.00	$	63.00	$	36.00	$	36.00	$	63.00
Ending ERV	$	907.13	$	1,412.65	$	1,531.55	$	1,536.14	$	1,288.36	$	1,144.92	$	886.66	$	808.34	$	1,105.14	$	754.14	$	937.86
AATR W/Drawal		-4.16%		7.80%		5.92%		5.96%		3.27%		1.49%		-17.63%		-25.47%		0.96%		-4.81%		-3.29%
AATR Account		-2.41%		9.04%		6.28%		6.32%		3.69%		1.95%		-11.33%		-19.17%		1.44%		-4.12%		-1.59%

Dollar Values are per $1000 of initial premium

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

Pacific Value 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)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
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	$	759.49	$	796.58	$	994.07	$	777.40	$	783.71	$	844.77	$	629.49	$	875.92	$	786.53	$	550.24	$	542.90
AATR W/Drawal		-30.35%		-26.64%		-6.89%		-28.56%		-27.93%		-21.82%		-43.35%		-18.71%		-27.65%		-51.28%		-52.01%
AATR Account		-24.05%		-20.34%		-0.59%		-22.26%		-21.63%		-15.52%		-37.05%		-12.41%		-21.35%		-44.98%		-45.71%
	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)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
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	$	891.54	$	734.26	$	798.33	$	728.40	$	723.96	$	877.25	$	882.91	$	750.91	$	543.21	$	825.72	$	796.38
AATR W/Drawal		-17.15%		-32.87%		-26.47%		-33.46%		-33.90%		-18.58%		-18.01%		-31.21%		-51.98%		-23.73%		-26.66%
AATR Account		-10.85%		-26.57%		-20.17%		-27.16%		-27.60%		-12.28%		-11.71%		-24.91%		-45.68%		-17.43%		-20.36%
	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)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
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	$	808.23	$	1,022.25	$	1,183.99	$	1,137.68	$	1,040.05	$	994.85	$	886.66	$	808.34	$	753.68	$	768.18	$	790.08
AATR W/Drawal		-25.48%		-4.07%		12.10%		7.47%		-2.30%		-6.81%		-17.63%		-25.47%		-30.93%		-29.48%		-27.29%
AATR Account		-19.18%		2.23%		18.40%		13.77%		4.00%		-0.51%		-11.33%		-19.17%		-24.63%		-23.18%		-20.99%

Dollar Values are per $1000 of initial premium

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

Pacific Value 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)					$	—	$	—	$	—	$	—
CDSC					$	63.00	$	63.00	$	63.00	$	63.00
Ending ERV					$	567.68	$	810.24	$	576.21	$	526.76
AATR W/Drawal						-20.38%		-9.26%		-19.94%		-22.60%
AATR Account						-17.20%		-6.77%		-16.79%		-19.24%
	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)	$	—	$	—			$	—			$	—	$	—						$	—
CDSC	$	63.00	$	63.00			$	63.00			$	63.00	$	63.00						$	63.00
Ending ERV	$	863.39	$	606.95			$	390.64			$	1,207.29	$	594.23						$	617.06
AATR W/Drawal		-7.15%		-18.37%				-31.06%				4.60%		-19.01%							-17.87%
AATR Account		-4.78%		-15.33%				-26.90%				6.48%		-15.93%							-14.86%
	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)	$	—	$	—	$	—	$	—	$	—	$	—				$	—	$	—	$	—
CDSC	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00	$	63.00				$	63.00	$	63.00	$	63.00
Ending ERV	$	770.64	$	1,432.62	$	1,342.73	$	1,324.21	$	1,115.29	$	943.96				$	429.03	$	487.99	$	853.24
AATR W/Drawal		-10.89%		11.05%		8.57%		8.04%		1.71%		-4.14%					-28.47%		-24.82%		-7.55%
AATR Account		-8.32%		12.73%		10.32%		9.81%		3.70%		-1.90%					-24.58%		-21.27%		-5.15%

Dollar Values are per $1000 of initial premium

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

Pacific Value 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)					$	—			$	—
CDSC					$	45.00			$	45.00
Ending ERV					$	620.26			$	848.80
AATR W/Drawal						-10.47%				-4.27%
AATR Account						-9.11%				-3.23%
	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)	$	—	$	—			$	—					$	—						$	—
CDSC	$	45.00	$	45.00			$	45.00					$	45.00						$	45.00
Ending ERV	$	1,062.03	$	830.14			$	1,191.05					$	749.41						$	929.48
AATR W/Drawal		0.34%		-4.72%				2.76%						-6.77%							-2.43%
AATR Account		1.21%		-3.65%				3.56%						-5.61%							-1.45%
	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)					$	—	$	—	$	—	$	—				$	—	$	—
CDSC					$	45.00	$	45.00	$	45.00	$	45.00				$	45.00	$	45.00
Ending ERV					$	1,398.43	$	1,379.26	$	1,198.28	$	967.82				$	753.01	$	684.21
AATR W/Drawal						6.24%		5.94%		2.89%		-1.59%					-6.67%		-8.56%
AATR Account						6.94%		6.64%		3.68%		-0.65%					-5.52%		-7.31%

Dollar Values are per $1000 of initial premium

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

Pacific Value Variable Annuity Separate Account

Schedule for Computation of Performance Quotations

Average Initial Premium = $65,000.

Last 10 Years ending 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)									$	—
CDSC									$	—
Ending ERV									$	1,756.88
AATR W/Drawal										5.80%
AATR Account										5.80%
	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)	$	—	$	—									$	—					$	—
CDSC	$	—	$	—									$	—					$	—
Ending ERV	$	1,797.18	$	1,690.16									$	1,378.12					$	2,133.72
AATR W/Drawal		6.04%		5.39%										3.26%						7.87%
AATR Account		6.04%		5.39%										3.26%						7.87%
	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)					$	—	$	—	$	—	$	—				$	—
CDSC					$	—	$	—	$	—	$	—				$	—
Ending ERV					$	1,835.77	$	1,873.35	$	1,388.50	$	1,548.50				$	1,482.59
AATR W/Drawal						6.26%		6.48%		3.34%		4.47%					4.02%
AATR Account						6.26%		6.48%		3.34%		4.47%					4.02%

Dollar Values are per $1000 of initial premium

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