Pacific One 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	$	0.50	$	0.50	$	3.00	$	1.00	$	1.00	$	1.00	$	1.00	$	0.50	$	0.50	$	0.50	$	0.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	585.97	$	605.45	$	551.46	$	778.35	$	1,687.81	$	505.76	$	264.49	$	769.53	$	687.96	$	307.84	$	273.97
AATR W/Drawal		-23.54%		-22.27%		-8.45%		-8.05%		5.37%		-20.39%		-39.29%		-12.34%		-17.13%		-44.65%		-47.80%
AATR Account		-23.51%		-22.24%		-8.44%		-8.03%		5.37%		-20.36%		-39.25%		-12.31%		-17.10%		-44.61%		-47.75%
	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	$	1.00	$	1.00	$	1.00	$	0.50	$	1.00	$	0.50	$	—	$	0.50	$	0.50	$	0.50	$	1.00
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	1,726.43	$	1,623.62	$	664.00	$	2,192.71	$	488.58	$	1,203.90	$	1,325.12	$	600.93	$	417.87	$	665.25	$	2,049.75
AATR W/Drawal		5.61%		4.97%		-16.69%		9.12%		-27.33%		4.75%		2.86%		-22.57%		-35.47%		-18.51%		7.44%
AATR Account		5.61%		4.97%		-16.66%		9.12%		-27.30%		4.76%		2.86%		-22.53%		-35.43%		-18.48%		7.44%
	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	$	1.50	$	0.50	$	2.00	$	1.50	$	3.50	$	1.00	$	—	$	—	$	1.00	$	1.50	$	1.00
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	871.07	$	1,357.62	$	1,762.03	$	1,798.88	$	1,330.90	$	1,487.66	$	852.56	$	777.25	$	1,424.30	$	717.39	$	900.98
AATR W/Drawal		-3.41%		7.96%		5.83%		6.05%		2.90%		4.05%		-14.79%		-22.33%		3.60%		-4.81%		-2.59%
AATR Account		-3.40%		7.96%		5.83%		6.05%		2.90%		4.05%		-14.74%		-22.28%		3.60%		-4.80%		-2.58%

Dollar Values are per $1000 of initial premium

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

Pacific One 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	$	0.50	$	0.50	$	3.00	$	1.00	$	1.50	$	1.00	$	1.00	$	0.50	$	0.50	$	0.50	$	0.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	585.97	$	605.45	$	545.85	$	778.35	$	707.76	$	505.76	$	264.49	$	769.53	$	687.96	$	307.84	$	273.97
AATR W/Drawal		-23.54%		-22.27%		-8.64%		-8.05%		-10.10%		-20.39%		-39.29%		-12.34%		-17.13%		-44.65%		-47.80%
AATR Account		-23.51%		-22.24%		-8.63%		-8.03%		-10.08%		-20.36%		-39.25%		-12.31%		-17.10%		-44.61%		-47.75%
	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	$	0.50	$	0.50	$	1.00	$	0.50	$	1.00	$	0.50	$	1.00	$	0.50	$	0.50	$	0.50	$	0.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	1,328.40	$	1,179.50	$	664.00	$	1,454.68	$	488.58	$	1,203.90	$	918.84	$	600.93	$	417.87	$	665.25	$	1,401.90
AATR W/Drawal		4.14%		2.38%		-16.69%		5.50%		-27.33%		4.75%		-1.21%		-22.57%		-35.47%		-18.51%		4.94%
AATR Account		4.14%		2.39%		-16.66%		5.50%		-27.30%		4.76%		-1.20%		-22.53%		-35.43%		-18.48%		4.94%
	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	$	1.50	$	0.50	$	2.00	$	2.00	$	3.00	$	3.00	$	—	$	—	$	0.50	$	1.50	$	1.00
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	871.07	$	1,357.62	$	1,469.97	$	1,474.42	$	1,235.53	$	1,098.04	$	852.56	$	777.25	$	1,062.21	$	724.02	$	900.98
AATR W/Drawal		-3.41%		7.96%		5.66%		5.70%		3.06%		1.34%		-14.79%		-22.33%		0.86%		-4.71%		-2.59%
AATR Account		-3.40%		7.96%		5.66%		5.70%		3.07%		1.35%		-14.74%		-22.28%		0.87%		-4.70%		-2.58%

Dollar Values are per $1000 of initial premium

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

Pacific One 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	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	729.78	$	765.44	$	955.34	$	747.00	$	753.07	$	811.77	$	604.78	$	841.74	$	755.78	$	528.58	$	521.52
AATR W/Drawal		-27.02%		-23.46%		-4.47%		-25.30%		-24.69%		-18.82%		-39.52%		-15.83%		-24.42%		-47.14%		-47.85%
AATR Account		-27.02%		-23.46%		-4.47%		-25.30%		-24.69%		-18.82%		-39.52%		-15.83%		-24.42%		-47.14%		-47.85%
	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	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	856.75	$	705.52	$	767.13	$	699.89	$	695.61	$	843.01	$	848.45	$	721.53	$	521.82	$	793.46	$	765.25
AATR W/Drawal		-14.32%		-29.45%		-23.29%		-30.01%		-30.44%		-15.70%		-15.15%		-27.85%		-47.82%		-20.65%		-23.47%
AATR Account		-14.32%		-29.45%		-23.29%		-30.01%		-30.44%		-15.70%		-15.15%		-27.85%		-47.82%		-20.65%		-23.47%
	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	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	0.50	$	—	$	—	$	0.50	$	0.50	$	0.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	776.65	$	982.43	$	1,137.95	$	1,093.42	$	999.55	$	956.09	$	852.56	$	777.25	$	724.19	$	738.13	$	759.19
AATR W/Drawal		-22.34%		-1.76%		13.80%		9.34%		-0.05%		-4.39%		-14.79%		-22.33%		-27.58%		-26.19%		-24.08%
AATR Account		-22.34%		-1.76%		13.80%		9.34%		-0.05%		-4.39%		-14.74%		-22.28%		-27.58%		-26.19%		-24.08%

Dollar Values are per $1000 of initial premium

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

Pacific One 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					$	1.50	$	1.50	$	1.50	$	1.50
CDSC					$	—	$	—	$	—	$	—
Ending ERV					$	544.44	$	777.85	$	552.81	$	505.26
AATR W/Drawal						-18.35%		-8.03%		-17.93%		-20.35%
AATR Account						-18.35%		-8.03%		-17.93%		-20.35%
	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	$	1.50	$	1.50			$	1.50			$	1.00	$	1.50						$	1.50
CDSC	$	—	$	—			$	—			$	—	$	—						$	—
Ending ERV	$	828.83	$	582.44			$	374.52			$	1,159.89	$	570.13						$	592.11
AATR W/Drawal		-6.07%		-16.49%				-27.92%				5.07%		-17.08%							-16.03%
AATR Account		-6.07%		-16.49%				-27.92%				5.07%		-17.08%							-16.03%
	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	$	1.50	$	—	$	1.00	$	1.00	$	1.50	$	1.50				$	1.50	$	1.50	$	1.50
CDSC	$	—	$	—	$	—	$	—	$	—	$	—				$	—	$	—	$	—
Ending ERV	$	739.73	$	1,377.52	$	1,289.93	$	1,272.15	$	1,070.89	$	906.20				$	411.39	$	468.05	$	819.18
AATR W/Drawal		-9.56%		11.27%		8.86%		8.35%		2.31%		-3.23%					-25.63%		-22.36%		-6.43%
AATR Account		-9.56%		11.27%		8.86%		8.35%		2.31%		-3.23%					-25.63%		-22.36%		-6.43%

Dollar Values are per $1000 of initial premium

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

Pacific One 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					$	2.50			$	2.00
CDSC					$	—			$	—
Ending ERV					$	594.31			$	814.52
AATR W/Drawal						-9.88%				-4.02%
AATR Account						-9.88%				-4.02%
	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	$	2.50	$	1.50			$	0.50					$	2.00						$	1.00
CDSC	$	—	$	—			$	—					$	—						$	—
Ending ERV	$	1,018.98	$	797.03			$	1,144.74					$	718.99						$	892.85
AATR W/Drawal		0.38%		-4.44%				2.74%						-6.39%							-2.24%
AATR Account		0.38%		-4.44%				2.74%						-6.39%							-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					$	2.00	$	2.00	$	2.50	$	2.50				$	1.00	$	2.00
CDSC					$	—	$	—	$	—	$	—				$	—	$	—
Ending ERV					$	1,342.22	$	1,323.83	$	1,149.59	$	928.22				$	723.19	$	656.42
AATR W/Drawal						6.06%		5.77%		2.83%		-1.48%					-6.28%		-8.07%
AATR Account						6.06%		5.77%		2.83%		-1.48%					-6.28%		-8.07%

Dollar Values are per $1000 of initial premium

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

Pacific One 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									$	1.00
CDSC									$	—
Ending ERV									$	1,687.81
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	$	1.00	$	1.00									$	—					$	1.00
CDSC	$	—	$	—									$	—					$	—
Ending ERV	$	1,726.43	$	1,623.62									$	1,325.12					$	2,049.75
AATR W/Drawal		5.61%		4.97%										2.86%						7.44%
AATR Account		5.61%		4.97%										2.86%						7.44%
	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					$	2.00	$	1.50	$	3.50	$	1.00				$	1.00
CDSC					$	—	$	—	$	—	$	—				$	—
Ending ERV					$	1,762.03	$	1,798.88	$	1,330.90	$	1,487.66				$	1,424.30
AATR W/Drawal						5.83%		6.05%		2.90%		4.05%					3.60%
AATR Account						5.83%		6.05%		2.90%		4.05%					3.60%

Dollar Values are per $1000 of initial premium

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