Pacific One Select 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		12.03201913		12.34413219		17.90878412		10.18686687		5.203178		14.88341523		21.20858388		10.92900236		12.57304151		16.84309245		14.32156115
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		7.019656		7.441268		9.747806		7.877182		8.487947		7.482136		5.584978		8.372945		8.611432		5.163472		3.907776
Days		728		728		2,465		3,650		3,652		1,093		974		728		728		728		728
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	583.41	$	602.82	$	544.30	$	773.27	$	1,631.30	$	502.72	$	263.34	$	766.12	$	684.91	$	306.56	$	272.86
AATR W/Drawal		-23.67%		-22.41%		-8.61%		-8.23%		5.02%		-20.52%		-39.35%		-12.50%		-17.28%		-44.72%		-47.86%
AATR Account		-23.67%		-22.41%		-8.61%		-8.23%		5.02%		-20.52%		-39.35%		-12.50%		-17.28%		-44.72%		-47.86%
	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		5.236700287		4.509778941		10.92357756		3.076325442		15.88771832		8.146198853		5.923672516		11.27020381		13.3030078		11.41990014		3.807434549
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		8.825982		7.151786		7.222881		6.598541		7.733704		9.714806		7.655802		6.742874		5.534646		7.563682		7.618769
Days		3,652		3,652		820		3,283		820		1,457		3,652		728		728		728		3,652
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	1,685.41	$	1,585.84	$	661.22	$	2,144.94	$	486.77	$	1,192.56	$	1,292.41	$	598.29	$	416.04	$	662.32	$	2,001.02
AATR W/Drawal		5.36%		4.72%		-16.82%		8.85%		-27.42%		4.51%		2.60%		-22.71%		-35.58%		-18.66%		7.18%
AATR Account		5.36%		4.72%		-16.82%		8.85%		-27.42%		4.51%		2.60%		-22.71%		-35.58%		-18.66%		7.18%
	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		9.934352803		7.974204406		6.636079774		6.394746682		7.752255403		6.299490722		10		10		6.081659652		11.48684584		8.437782534
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		8.579058		10.724027		11.424145		11.236584		10.09454		9.148077		8.504355		7.753131		7.357734		8.115218		7.533509
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	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	863.57	$	1,344.84	$	1,721.52	$	1,757.16	$	1,302.14	$	1,452.19	$	850.44	$	775.31	$	1,209.82	$	706.48	$	892.83
AATR W/Drawal		-3.61%		7.70%		5.58%		5.80%		2.68%		3.80%		-14.96%		-22.47%		1.92%		-5.01%		-2.80%
AATR Account		-3.61%		7.70%		5.58%		5.80%		2.68%		3.80%		-14.96%		-22.47%		1.92%		-5.01%		-2.80%

Dollar Values are per $1000 of initial premium

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

Pacific One Select 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		12.03201913		12.34413219		18.09029501		10.18686687		12.068618		14.88341523		21.20858388		10.92900236		12.57304151		16.84309245		14.32156115
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		7.019656		7.441268		9.747806		7.877182		8.487947		7.482136		5.584978		8.372945		8.611432		5.163472		3.907776
Days		728		728		2,449		1,093		1,187		1,093		974		728		728		728		728
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	583.41	$	602.82	$	538.84	$	773.27	$	703.31	$	502.72	$	263.34	$	766.12	$	684.91	$	306.56	$	272.86
AATR W/Drawal		-23.67%		-22.41%		-8.80%		-8.23%		-10.26%		-20.52%		-39.35%		-12.50%		-17.28%		-44.72%		-47.86%
AATR Account		-23.67%		-22.41%		-8.80%		-8.23%		-10.26%		-20.52%		-39.35%		-12.50%		-17.28%		-44.72%		-47.86%
	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		6.758201272		6.167752282		10.92357756		4.614106544		15.88771832		8.146198853		8.471506091		11.27020381		13.3030078		11.41990014		5.528140586
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		8.825982		7.151786		7.222881		6.598541		7.733704		9.714806		7.655802		6.742874		5.534646		7.563682		7.618769
Days		2,555		2,555		820		2,555		820		1,457		2,555		728		728		728		2,555
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	1,305.97	$	1,159.54	$	661.22	$	1,430.08	$	486.77	$	1,192.56	$	903.71	$	598.29	$	416.04	$	662.32	$	1,378.18
AATR W/Drawal		3.89%		2.14%		-16.82%		5.24%		-27.42%		4.51%		-1.44%		-22.71%		-35.58%		-18.66%		4.69%
AATR Account		3.89%		2.14%		-16.82%		5.24%		-27.42%		4.51%		-1.44%		-22.71%		-35.58%		-18.66%		4.69%
	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		9.934352803		7.974204406		7.894409577		7.741570618		8.292275301		8.456364421		10		10		7.046209472		11.38074529		8.437782534
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		8.579058		10.724027		11.424145		11.236584		10.09454		9.148077		8.504355		7.753131		7.357734		8.115218		7.533509
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	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	863.57	$	1,344.84	$	1,447.12	$	1,451.46	$	1,217.34	$	1,081.80	$	850.44	$	775.31	$	1,044.21	$	713.07	$	892.83
AATR W/Drawal		-3.61%		7.70%		5.42%		5.47%		2.85%		1.13%		-14.96%		-22.47%		0.62%		-4.92%		-2.80%
AATR Account		-3.61%		7.70%		5.42%		5.47%		2.85%		1.13%		-14.96%		-22.47%		0.62%		-4.92%		-2.80%

Dollar Values are per $1000 of initial premium

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

Pacific One Select 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		9.636367		9.739533		10.223707		10.564397		11.291872		9.234432		9.250265		9.966266		11.415094		9.783888		7.504709
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		7.019656		7.441268		9.747806		7.877182		8.487947		7.482136		5.584978		8.372945		8.611432		5.163472		3.907776
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	728.45	$	764.03	$	953.45	$	745.63	$	751.69	$	810.24	$	603.76	$	840.13	$	754.39	$	527.75	$	520.71
AATR W/Drawal		-27.15%		-23.60%		-4.65%		-25.44%		-24.83%		-18.98%		-39.62%		-15.99%		-24.56%		-47.22%		-47.93%
AATR Account		-27.15%		-23.60%		-4.65%		-25.44%		-24.83%		-18.98%		-39.62%		-15.99%		-24.56%		-47.22%		-47.93%
	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		10.321437		10.15514		9.432941		9.444883		11.137756		11.546033		9.040536		9.362259		10.622981		9.550378		9.974365
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		8.825982		7.151786		7.222881		6.598541		7.733704		9.714806		7.655802		6.742874		5.534646		7.563682		7.618769
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	855.11	$	704.25	$	765.71	$	698.64	$	694.37	$	841.40	$	846.83	$	720.22	$	521.01	$	791.98	$	763.83
AATR W/Drawal		-14.49%		-29.57%		-23.43%		-30.14%		-30.56%		-15.86%		-15.32%		-27.98%		-47.90%		-20.80%		-23.62%
AATR Account		-14.49%		-29.57%		-23.43%		-30.14%		-30.56%		-15.86%		-15.32%		-27.98%		-47.90%		-20.80%		-23.62%
	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		11.066871		10.937531		10.059906		10.29754		10.119319		9.58717		10		10		10.17839		11.014377		9.941374
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		8.579058		10.724027		11.424145		11.236584		10.09454		9.148077		8.504355		7.753131		7.357734		8.115218		7.533509
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	775.20	$	980.48	$	1,135.61	$	1,091.19	$	997.55	$	954.20	$	850.44	$	775.31	$	722.88	$	736.78	$	757.79
AATR W/Drawal		-22.48%		-1.95%		13.56%		9.12%		-0.24%		-4.58%		-14.96%		-22.47%		-27.71%		-26.32%		-24.22%
AATR Account		-22.48%		-1.95%		13.56%		9.12%		-0.24%		-4.58%		-14.96%		-22.47%		-27.71%		-26.32%		-24.22%

Dollar Values are per $1000 of initial premium

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

Pacific One Select 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						17.99298047		10.18686687		15.43546		14.88341523
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV						9.747806		7.877182		8.487947		7.482136
Annual Fee ($0)					$	—	$	—	$	—	$	—
CDSC					$	—	$	—	$	—	$	—
Ending ERV					$	541.76	$	773.27	$	549.90	$	502.72
AATR W/Drawal						-18.48%		-8.21%		-18.07%		-20.49%
AATR Account						-18.48%		-8.21%		-18.07%		-20.49%
	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		10.71146957		12.34676285				17.69982001				8.431657139		13.49983785							12.93760544
End Date		12/31/2002		12/31/2002				12/31/2002				12/31/2002		12/31/2002							12/31/2002
Ending AUV		8.825982		7.151786				6.598541				9.714806		7.655802							7.618769
Annual Fee ($0)	$	—	$	—			$	—			$	—	$	—						$	—
CDSC	$	—	$	—			$	—			$	—	$	—						$	—
Ending ERV	$	823.97	$	579.24			$	372.80			$	1,152.18	$	567.10						$	588.89
AATR W/Drawal		-6.25%		-16.64%				-28.03%				4.84%		-17.23%							-16.18%
AATR Account		-6.25%		-16.64%				-28.03%				4.84%		-17.23%							-16.18%
	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		11.66490117		7.843598101		8.915077789		8.891323892		9.483879706		10.15472657					17.97022493		17.42554284		9.251699475
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		8.579058		10.724027		11.424145		11.236584		10.09454		9.148077					7.357734		8.115218		7.533509
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—				$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—				$	—	$	—	$	—
Ending ERV	$	735.46	$	1,367.23	$	1,281.44	$	1,263.77	$	1,064.39	$	900.87				$	409.44	$	465.71	$	814.28
AATR W/Drawal		-9.73%		10.99%		8.62%		8.12%		2.10%		-3.42%					-25.74%		-22.49%		-6.62%
AATR Account		-9.73%		10.99%		8.62%		8.12%		2.10%		-3.42%					-25.74%		-22.49%		-6.62%

Dollar Values are per $1000 of initial premium

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

Pacific One Select 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						16.55010018				10.577994
End Date						12/31/2002				12/31/2002
Ending AUV						9.747806				8.487947
Annual Fee ($0)					$	—			$	—
CDSC					$	—			$	—
Ending ERV					$	588.99			$	802.42
AATR W/Drawal						-10.05%				-4.31%
AATR Account						-10.05%				-4.31%
	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		8.751622972		9.072518705				5.834235235						10.75804839							8.631966846
End Date		12/31/2002		12/31/2002				12/31/2002						12/31/2002							12/31/2002
Ending AUV		8.825982		7.151786				6.598541						7.655802							7.618769
Annual Fee ($0)	$	—	$	—			$	—					$	—						$	—
CDSC	$	—	$	—			$	—					$	—						$	—
Ending ERV	$	1,008.50	$	788.29			$	1,131.00					$	711.63						$	882.62
AATR W/Drawal		0.17%		-4.65%				2.49%						-6.58%							-2.47%
AATR Account		0.17%		-4.65%				2.49%						-6.58%							-2.47%
	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		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						8.602859708		8.57925911		8.87133505		9.954019503					10.28979066		12.49057332
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002		12/31/2002
Ending AUV						11.424145		11.236584		10.09454		9.148077					7.357734		8.115218
Annual Fee ($0)					$	—	$	—	$	—	$	—				$	—	$	—
CDSC					$	—	$	—	$	—	$	—				$	—	$	—
Ending ERV					$	1,327.95	$	1,309.74	$	1,137.88	$	919.03				$	715.05	$	649.71
AATR W/Drawal						5.84%		5.54%		2.62%		-1.67%					-6.49%		-8.26%
AATR Account						5.84%		5.54%		2.62%		-1.67%					-6.49%		-8.26%

Dollar Values are per $1000 of initial premium

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

Pacific One Select 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										5.203178
End Date										12/31/2002
Ending AUV										8.487947
Annual Fee ($0)									$	—
CDSC									$	—
Ending ERV									$	1,631.30
AATR W/Drawal										5.02%
AATR Account										5.02%
	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		12/31/1992		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		5.236700287		4.509778941										5.923672516						3.807434549
End Date		12/31/2002		12/31/2002										12/31/2002						12/31/2002
Ending AUV		8.825982		7.151786										7.655802						7.618769
Annual Fee ($0)	$	—	$	—									$	—					$	—
CDSC	$	—	$	—									$	—					$	—
Ending ERV	$	1,685.41	$	1,585.84									$	1,292.41					$	2,001.02
AATR W/Drawal		5.36%		4.72%										2.60%						7.18%
AATR Account		5.36%		4.72%										2.60%						7.18%
	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						6.636079774		6.394746682		7.752255403		6.299490722					6.081659652
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002
Ending AUV						11.424145		11.236584		10.09454		9.148077					7.357734
Annual Fee ($0)					$	—	$	—	$	—	$	—				$	—
CDSC					$	—	$	—	$	—	$	—				$	—
Ending ERV					$	1,721.52	$	1,757.16	$	1,302.14	$	1,452.19				$	1,209.82
AATR W/Drawal						5.58%		5.80%		2.68%		3.80%					1.92%
AATR Account						5.58%		5.80%		2.68%		3.80%					1.92%

Dollar Values are per $1000 of initial premium

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