EXHIBIT 13

Pacific Odyssey 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		11.126686		10.895465		15.681398		9.185859		3.907649832		14.636147		17.31101		10.122164		10.794665		14.054864		14.178739
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		6.655693		6.734184		9.287625		7.37402		7.263097		7.638695		4.713857		7.950876		7.580261		4.417964		3.966898
Days		728		728		2,465		1,093		3,652		1,093		974		728		728		728		728
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	598.17	$	618.07	$	592.27	$	802.76	$	1,858.69	$	521.91	$	272.30	$	785.49	$	702.22	$	314.34	$	279.78
AATR W/Drawal		-22.71%		-21.43%		-7.46%		-7.07%		6.39%		-19.52%		-38.58%		-11.40%		-16.24%		-44.02%		-47.20%
AATR Account		-22.71%		-21.43%		-7.46%		-7.07%		6.39%		-19.52%		-38.58%		-11.40%		-16.24%		-44.02%		-47.20%
	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		4.46951045		3.719608665		10.494812		2.493572177		14.807206		6.978825		5.325700611		10.452493		10.494441		10.716551		3.178317132
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		8.536064		6.684643		7.137266		5.984902		7.413532		8.748246		7.79972		6.411895		4.476734		7.277326		7.206725
Days		3,652		3,652		820		3,283		820		1,457		3,652		728		728		728		3,652
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	1,909.84	$	1,797.14	$	680.08	$	2,400.13	$	500.67	$	1,253.54	$	1,464.54	$	613.43	$	426.58	$	679.07	$	2,267.47
AATR W/Drawal		6.68%		6.04%		-15.77%		10.22%		-26.50%		5.82%		3.89%		-21.73%		-34.76%		-17.64%		8.53%
AATR Account		6.68%		6.04%		-15.77%		10.22%		-26.50%		5.82%		3.89%		-21.73%		-34.76%		-17.64%		8.53%
	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		8.523246		7.102429		5.961150372		5.786145225		6.926571447		5.796744524		10		10		6.793608087		8.820972		7.856773
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		7.737164		10.03996		11.62923		11.520922		10.22037		9.538887		8.610895		7.850288		6.648837		6.781074		7.373551
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	$	907.77	$	1,413.60	$	1,950.84	$	1,991.12	$	1,475.53	$	1,645.56	$	861.09	$	785.03	$	978.69	$	768.74	$	938.50
AATR W/Drawal		-2.39%		9.06%		6.91%		7.13%		3.97%		5.11%		-13.89%		-21.50%		-0.22%		-3.82%		-1.58%
AATR Account		-2.39%		9.06%		6.91%		7.13%		3.97%		5.11%		-13.89%		-21.50%		-0.22%		-3.82%		-1.58%

Dollar Values are per $1000 of initial premium

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

Pacific Odyssey 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		11.126686		10.895465		15.849019		9.185859		9.915334		14.636147		17.31101		10.122164		10.794665		14.054864		14.178739
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		6.655693		6.734184		9.287625		7.37402		7.263097		7.638695		4.713857		7.950876		7.580261		4.417964		3.966898
Days		728		728		2,449		1,093		1,187		1,093		974		728		728		728		728
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	598.17	$	618.07	$	586.01	$	802.76	$	732.51	$	521.91	$	272.30	$	785.49	$	702.22	$	314.34	$	279.78
AATR W/Drawal		-22.71%		-21.43%		-7.66%		-7.07%		-9.13%		-19.52%		-38.58%		-11.40%		-16.24%		-44.02%		-47.20%
AATR Account		-22.71%		-21.43%		-7.66%		-7.07%		-9.13%		-19.52%		-38.58%		-11.40%		-16.24%		-44.02%		-47.20%
	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		5.988832		5.281988		10.494812		3.834396		14.807206		6.978825		7.907788		10.452493		10.494441		10.716551		4.79125265
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		8.536064		6.684643		7.137266		5.984902		7.413532		8.748246		7.79972		6.411895		4.476734		7.277326		7.206725
Days		2,555		2,555		820		2,555		820		1,457		2,555		728		728		728		2,555
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	1,425.33	$	1,265.55	$	680.08	$	1,560.85	$	500.67	$	1,253.54	$	986.33	$	613.43	$	426.58	$	679.07	$	1,504.14
AATR W/Drawal		5.19%		3.42%		-15.77%		6.57%		-26.50%		5.82%		-0.20%		-21.73%		-34.76%		-17.64%		6.01%
AATR Account		5.19%		3.42%		-15.77%		6.57%		-26.50%		5.82%		-0.20%		-21.73%		-34.76%		-17.64%		6.01%
	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		8.523246		7.102429		7.36325		7.272873		7.692658		8.079241		10		10		5.833892		8.74429		7.856773
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		7.737164		10.03996		11.62923		11.520922		10.22037		9.538887		8.610895		7.850288		6.648837		6.781074		7.373551
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	$	907.77	$	1,413.60	$	1,579.36	$	1,584.10	$	1,328.59	$	1,180.67	$	861.09	$	785.03	$	1,139.69	$	775.49	$	938.50
AATR W/Drawal		-2.39%		9.06%		6.75%		6.79%		4.14%		2.40%		-13.89%		-21.50%		1.89%		-3.72%		-1.58%
AATR Account		-2.39%		9.06%		6.75%		6.79%		4.14%		2.40%		-13.89%		-21.50%		1.89%		-3.72%		-1.58%

Dollar Values are per $1000 of initial premium

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

Pacific Odyssey 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		Telecommuni- cations
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		9.022989		8.704344		9.61993		9.76651		9.542165		9.310365		7.710143		9.346112		9.92315		8.266952		7.52326
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		6.655693		6.734184		9.287625		7.37402		7.263097		7.638695		4.713857		7.950876		7.580261		4.417964		3.966898
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	737.64	$	773.66	$	965.46	$	755.03	$	761.16	$	820.45	$	611.38	$	850.71	$	763.90	$	534.41	$	527.28
AATR W/Drawal		-26.24%		-22.63%		-3.45%		-24.50%		-23.88%		-17.95%		-38.86%		-14.93%		-23.61%		-46.56%		-47.27%
AATR Account		-26.24%		-22.63%		-3.45%		-24.50%		-23.88%		-17.95%		-38.86%		-14.93%		-23.61%		-46.56%		-47.27%
	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		9.858263		9.373633		9.205162		8.459877		10.543735		10.267946		9.095907		8.791854		8.485336		9.074487		9.317505
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		8.536064		6.684643		7.137266		5.984902		7.413532		8.748246		7.79972		6.411895		4.476734		7.277326		7.206725
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	865.88	$	713.13	$	775.35	$	707.45	$	703.12	$	852.00	$	857.50	$	729.30	$	527.58	$	801.95	$	773.46
AATR W/Drawal		-13.41%		-28.69%		-22.46%		-29.26%		-29.69%		-14.80%		-14.25%		-27.07%		-47.24%		-19.80%		-22.65%
AATR Account		-13.41%		-28.69%		-22.46%		-29.26%		-29.69%		-14.80%		-14.25%		-27.07%		-47.24%		-19.80%		-22.65%
	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		9.856598		10.112633		10.113352		10.427003		10.118217		9.872545		10		10		9.083238		9.089037		9.609195
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		7.737164		10.03996		11.62923		11.520922		10.22037		9.538887		8.610895		7.850288		6.648837		6.781074		7.373551
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Ending ERV	$	784.97	$	992.81	$	1,149.89	$	1,104.91	$	1,010.10	$	966.20	$	861.09	$	785.03	$	731.99	$	746.07	$	767.34
AATR W/Drawal		-21.50%		-0.72%		14.99%		10.49%		1.01%		-3.38%		-13.89%		-21.50%		-26.80%		-25.39%		-23.27%
AATR Account		-21.50%		-0.72%		14.99%		10.49%		1.01%		-3.38%		-13.89%		-21.50%		-26.80%		-25.39%		-23.27%

Dollar Values are per $1000 of initial premium

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

Pacific Odyssey 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						16.511272		9.185859		12.720904		14.636147
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002
Ending AUV						9.287625		7.37402		7.263097		7.638695
Annual Fee ($0)					$	—	$	—	$	—	$	—
CDSC					$	—	$	—	$	—	$	—
Ending ERV					$	562.50	$	802.76	$	570.96	$	521.91
AATR W/Drawal						-17.45%		-7.06%		-17.04%		-19.49%
AATR Account						-17.45%		-7.06%		-17.04%		-19.49%
	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		9.978132		11.114983				15.461549				7.31321		13.246753							11.786976
End Date		12/31/2002		12/31/2002				12/31/2002				12/31/2002		12/31/2002							12/31/2002
Ending AUV		8.536064		6.684643				5.984902				8.748246		7.79972							7.206725
Annual Fee ($0)	$	—	$	—			$	—			$	—	$	—						$	—
CDSC	$	—	$	—			$	—			$	—	$	—						$	—
Ending ERV	$	855.48	$	601.41			$	387.08			$	1,196.23	$	588.80						$	611.41
AATR W/Drawal		-5.07%		-15.59%				-27.12%				6.15%		-16.18%							-15.13%
AATR Account		-5.07%		-15.59%				-27.12%				6.15%		-16.18%							-15.13%
	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		10.132375		7.073015		8.741225		8.780922		9.248773		10.198777					15.639988		14.023608		8.721781
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		7.737164		10.03996		11.62923		11.520922		10.22037		9.538887					6.648837		6.781074		7.373551
Annual Fee ($0)	$	—	$	—	$	—	$	—	$	—	$	—				$	—	$	—	$	—
CDSC	$	—	$	—	$	—	$	—	$	—	$	—				$	—	$	—	$	—
Ending ERV	$	763.61	$	1,419.47	$	1,330.39	$	1,312.04	$	1,105.05	$	935.30				$	425.12	$	483.55	$	845.42
AATR W/Drawal		-8.60%		12.39%		9.98%		9.48%		3.39%		-2.21%					-24.81%		-21.51%		-5.44%
AATR Account		-8.60%		12.39%		9.98%		9.48%		3.39%		-2.21%					-24.81%		-21.51%		-5.44%

Dollar Values are per $1000 of initial premium

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

Pacific Odyssey 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						14.812434				8.462811751
End Date						12/31/2002				12/31/2002
Ending AUV						9.287625				7.263097
Annual Fee ($0)					$	—			$	—
CDSC					$	—			$	—
Ending ERV					$	627.02			$	858.24
AATR W/Drawal						-8.91%				-3.01%
AATR Account						-8.91%				-3.01%
	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		7.951265		7.965856				4.970883						10.295953							7.670271
End Date		12/31/2002		12/31/2002				12/31/2002						12/31/2002							12/31/2002
Ending AUV		8.536064		6.684643				5.984902						7.79972							7.206725
Annual Fee ($0)	$	—	$	—			$	—					$	—						$	—
CDSC	$	—	$	—			$	—					$	—						$	—
Ending ERV	$	1,073.55	$	839.16			$	1,203.99					$	757.55						$	939.57
AATR W/Drawal		1.43%		-3.45%				3.78%						-5.40%							-1.24%
AATR Account		1.43%		-3.45%				3.78%						-5.40%							-1.24%
	Small-Cap Index		Real Estater		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						8.226842		8.263551		8.437858		9.750419					8.73466		9.80403
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002		12/31/2002
Ending AUV						11.62923		11.520922		10.22037		9.538887					6.648837		6.781074
Annual Fee ($0)					$	—	$	—	$	—	$	—				$	—	$	—
CDSC					$	—	$	—	$	—	$	—				$	—	$	—
Ending ERV					$	1,413.57	$	1,394.19	$	1,211.25	$	978.31				$	761.20	$	691.66
AATR W/Drawal						7.17%		6.87%		3.91%		-0.44%					-5.31%		-7.11%
AATR Account						7.17%		6.87%		3.91%		-0.44%					-5.31%		-7.11%

Dollar Values are per $1000 of initial premium

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

Pacific Odyssey 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										3.907649832
End Date										12/31/2002
Ending AUV										7.263097
Annual Fee ($0)									$	—
CDSC									$	—
Ending ERV									$	1,858.69
AATR W/Drawal										6.39%
AATR Account										6.39%
	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		4.46951045		3.719608665										5.325700611						3.178317132
End Date		12/31/2002		12/31/2002										12/31/2002						12/31/2002
Ending AUV		8.536064		6.684643										7.79972						7.206725
Annual Fee ($0)	$	—	$	—									$	—					$	—
CDSC	$	—	$	—									$	—					$	—
Ending ERV	$	1,909.84	$	1,797.14									$	1,464.54					$	2,267.47
AATR W/Drawal		6.68%		6.04%										3.89%						8.53%
AATR Account		6.68%		6.04%										3.89%						8.53%
	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						5.961150372		5.786145225		6.926571447		5.796744524					6.793608087
End Date						12/31/2002		12/31/2002		12/31/2002		12/31/2002					12/31/2002
Ending AUV						11.62923		11.520922		10.22037		9.538887					6.648837
Annual Fee ($0)					$	—	$	—	$	—	$	—				$	—
CDSC					$	—	$	—	$	—	$	—				$	—
Ending ERV					$	1,950.84	$	1,991.12	$	1,475.53	$	1,645.56				$	978.69
AATR W/Drawal						6.91%		7.13%		3.97%		5.11%					-0.22%
AATR Account						6.91%		7.13%		3.97%		5.11%					-0.22%

Dollar Values are per $1000 of initial premium

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