EX-13 4 0004.txt PERFORMANCE DATA CALCULATIONS
Alliance Premier Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.561919 86.49083 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 86.43623 864.3623 0.912 FORMULA: 1000*(1+T)= 864.3623 = 864.3623253 T = -14.78% R = -13.56% Alliance Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.769561 84.96494 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.91034 849.1034 0.912 FORMULA: 1000*(1+T)= 849.1034 = 849.1033625 T = -16.42% R = -15.09% Alliance Growth and Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.576501 116.59767 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 116.54307 1165.4307 0.912 FORMULA: 1000*(1+T)= 1165.4307 = 1165.430661 T = 18.28% R = 16.54% Aim Cap App 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.178468 89.45770 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 89.40310 894.0310 0.912 FORMULA: 1000*(1+T)= 894.0310 = 894.0309671 T = -11.56% R = -10.60% Aim Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.761614 78.35999 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 78.30539 783.0539 0.912 FORMULA: 1000*(1+T)= 783.0539 = 783.0539428 T = -23.53% R = -21.69% Aim Value 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.913393 77.43898 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 77.38438 773.8438 0.912 FORMULA: 1000*(1+T)= 773.8438 = 773.8438137 T = -24.51% R = -22.62% Putnam International Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 10.671893 93.70409 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 93.64949 936.4949 0.912 FORMULA: 1000*(1+T)= 936.4949 = 936.4948793 T = -6.94% R = -6.35% Putnam Voyager 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.789187 84.82349 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.76889 847.6889 0.912 FORMULA: 1000*(1+T)= 847.6889 = 847.6889122 T = -16.58% R = -15.23% Putnam Growth & Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 9.080769 110.12283 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 110.06823 1100.6823 0.912 FORMULA: 1000*(1+T)= 1100.6823 = 1100.682321 T = 11.10% R = 10.07% MSDW Mid Cap 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.833497 113.20545 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 113.15085 1131.5085 0.912 FORMULA: 1000*(1+T)= 1131.5085 = 1131.508497 T = 14.51% R = 13.15% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.763915 92.90300 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.84840 928.4840 0.145 FORMULA: 1000*(1+T)= 928.4840 = 928.4840044 T = -40.03% R = -7.15% Alliance Premier Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.192663 82.01654 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.96194 819.6194 1.000 FORMULA: 1000*(1+T)= 819.6194 - (0.85 * 1000 * 0) = 819.6194 T = -18.04% R = -18.04% Alliance Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.354952 80.93921 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.88461 808.8461 1.000 FORMULA: 1000*(1+T)= 808.8461 - (0.85 * 1000 * 0) = 808.8461 T = -19.12% R = -19.12% Alliance Growth and Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 8.944691 111.79816 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.74356 1117.4356 1.000 FORMULA: 1000*(1+T)= 1117.4356 - (0.85 * 1000 * 0) = 1117.4356 T = 11.74% R = 11.74% Aim Cap App 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.388829 87.80534 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.75074 877.5074 1.000 FORMULA: 1000*(1+T)= 877.5074 - (0.85 * 1000 * 0) = 877.5074 T = -12.25% R = -12.25% Aim Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.761614 78.35999 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.30539 783.0539 1.000 FORMULA: 1000*(1+T)= 783.0539 - (0.85 * 1000 * 0) = 783.0539 T = -21.69% R = -21.69% Aim Value 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 13.255530 75.44021 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.38561 753.8561 1.000 FORMULA: 1000*(1+T)= 753.8561 - (0.85 * 1000 * 0) = 753.8561 T = -24.61% R = -24.61% Putnam International Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.219658 89.12928 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 89.07468 890.7468 1.000 FORMULA: 1000*(1+T)= 890.7468 - (0.85 * 1000 * 0) = 890.7468 T = -10.93% R = -10.93% Putnam Voyager 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.156885 82.25791 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.20331 822.0331 1.000 FORMULA: 1000*(1+T)= 822.0331 - (0.85 * 1000 * 0) = 822.0331 T = -17.80% R = -17.80% Putnam Growth & Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.401334 106.36788 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.31328 1063.1328 1.000 FORMULA: 1000*(1+T)= 1063.1328 - (0.85 * 1000 * 0) = 1063.1328 T = 6.31% R = 6.31% MSDW Mid Cap 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.161549 109.15185 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 109.09725 1090.9725 1.000 FORMULA: 1000*(1+T)= 1090.9725 - (0.85 * 1000 * 0) = 1090.9725 T = 9.10% R = 9.10% Alliance Premier Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 #VALUE! #VALUE! FEE 29-Dec-98 0.546 #VALUE! #VALUE! FEE 29-Dec-99 0.546 12.072904 0.04523 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Alliance Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.529720 220.76420 FEE 29-Dec-96 0.546 5.777368 0.09451 FEE 29-Dec-97 0.546 7.165986 0.07619 FEE 29-Dec-98 0.546 9.265517 0.05893 FEE 29-Dec-99 0.546 12.149939 0.04494 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 220.43503 2204.3503 5.000 FORMULA: 1000*(1+T)= 2204.3503 - (0.85 * 1000 * 0) = 2204.350307 T = 17.13% R = 120.44% Alliance Growth and Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.407358 226.89330 FEE 29-Dec-96 0.546 5.448928 0.10020 FEE 29-Dec-97 0.546 6.690154 0.08161 FEE 29-Dec-98 0.546 8.105621 0.06736 FEE 29-Dec-99 0.546 8.842771 0.06175 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 226.52778 2265.2778 5.000 FORMULA: 1000*(1+T)= 2265.2778 - (0.85 * 1000 * 0) = 2265.277781 T = 17.77% R = 126.53% Aim Cap App 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.242724 190.74054 FEE 29-Dec-96 0.546 6.082340 0.08977 FEE 29-Dec-97 0.546 6.566146 0.08315 FEE 29-Dec-98 0.546 7.791528 0.07008 FEE 29-Dec-99 0.546 11.259729 0.04849 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 190.39445 1903.9445 5.000 FORMULA: 1000*(1+T)= 1903.9445 - (0.85 * 1000 * 0) = 1903.944493 T = 13.74% R = 90.39% Aim Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.977509 200.90371 FEE 29-Dec-96 0.546 5.843908 0.09343 FEE 29-Dec-97 0.546 7.078221 0.07714 FEE 29-Dec-98 0.546 9.517909 0.05737 FEE 29-Dec-99 0.546 12.674532 0.04308 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 200.57809 2005.7809 5.000 FORMULA: 1000*(1+T)= 2005.7809 - (0.85 * 1000 * 0) = 2005.780923 T = 14.94% R = 100.58% Aim Value 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.741926 174.15759 FEE 29-Dec-96 0.546 6.539815 0.08349 FEE 29-Dec-97 0.546 7.813271 0.06988 FEE 29-Dec-98 0.546 10.348663 0.05276 FEE 29-Dec-99 0.546 13.143323 0.04154 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 173.85532 1738.5532 5.000 FORMULA: 1000*(1+T)= 1738.5532 - (0.85 * 1000 * 0) = 1738.553189 T = 11.70% R = 73.86% Putnam International Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.045219 0.09032 FEE 29-Dec-98 0.546 7.103678 0.07686 FEE 29-Dec-99 0.546 11.012952 0.04958 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.609128 216.96078 FEE 29-Dec-96 0.546 5.133601 0.10636 FEE 29-Dec-97 0.546 6.189379 0.08822 FEE 29-Dec-98 0.546 7.675788 0.07113 FEE 29-Dec-99 0.546 12.005212 0.04548 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 216.59499 2165.9499 5.000 FORMULA: 1000*(1+T)= 2165.9499 - (0.85 * 1000 * 0) = 2165.94992 T = 16.72% R = 116.59% Putnam Growth & Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.646454 177.10230 FEE 29-Dec-96 0.546 6.882281 0.07933 FEE 29-Dec-97 0.546 8.135412 0.06711 FEE 29-Dec-98 0.546 9.494474 0.05751 FEE 29-Dec-99 0.546 9.356392 0.05836 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 176.78539 1767.8539 5.000 FORMULA: 1000*(1+T)= 1767.8539 - (0.85 * 1000 * 0) = 1767.853906 T = 12.07% R = 76.79% MSDW Mid Cap 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.724046 0.08120 FEE 29-Dec-98 0.546 7.450122 0.07329 FEE 29-Dec-99 0.546 9.068427 0.06021 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 1.836399 544.54397 FEE 31-Dec-91 0.546 2.639953 0.20682 FEE 31-Dec-92 0.546 2.866900 0.19045 FEE 31-Dec-93 0.546 3.348667 0.16305 FEE 31-Dec-94 0.546 3.329378 0.16399 FEE 31-Dec-95 0.546 4.608721 0.11847 FEE 31-Dec-96 0.546 5.123248 0.10657 FEE 31-Dec-97 0.546 6.378161 0.08560 FEE 31-Dec-98 0.546 7.806393 0.06994 FEE 31-Dec-99 0.546 12.156885 0.04491 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 543.33955 5433.3955 10.000 FORMULA: 1000*(1+T)= 5433.3955 - (0.85 * 1000 * 0) = 5433.395487 T = 18.44% R = 443.34% Putnam Growth & Income 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 2.987698 334.70585 FEE 31-Dec-91 0.546 3.499912 0.15600 FEE 31-Dec-92 0.546 3.779890 0.14445 FEE 31-Dec-93 0.546 4.250111 0.12847 FEE 31-Dec-94 0.546 4.196793 0.13010 FEE 31-Dec-95 0.546 5.645956 0.09671 FEE 31-Dec-96 0.546 6.773504 0.08061 FEE 31-Dec-97 0.546 8.274953 0.06598 FEE 31-Dec-98 0.546 9.402141 0.05807 FEE 31-Dec-99 0.546 9.401334 0.05808 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 333.73279 3337.3279 10.000 FORMULA: 1000*(1+T)= 3337.3279 - (0.85 * 1000 * 0) = 3337.327857 T = 12.81% R = 233.73% Alliance Premier Growth 14-Jul-99 TO NO. YEARS 1.462 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jul-99 1000.00 10.853780 92.13380 1 FEE 14-Jul-00 0.546 13.214095 0.04132 0 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.03788 920.3788 1.462 FORMULA: 1000*(1+T)= 920.3788 = 920.3788088 T = -5.52% R = -7.96% Alliance Growth 15-Sep-94 TO NO. YEARS 6.289 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 15-Sep-94 1000.00 3.240391 308.60473 1 FEE 15-Sep-95 0.546 4.359486 0.12524 0 2 FEE 15-Sep-96 0.546 5.071977 0.10765 0 3 FEE 15-Sep-97 0.546 6.913034 0.07898 0 4 15-Sep-98 0.546 7.280693 0.07499 0 5 15-Sep-99 0.546 10.073308 0.05420 0 6 15-Sep-00 0.546 11.962906 0.04564 0 7 29-Dec-00 0.546 10.000000 0.05460 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 308.06342 3080.6342 6.289 FORMULA: 1000*(1+T)= 3080.6342 = 3080.634209 T = 19.59% R = 208.06% Alliance Growth and Income 14-Jan-91 TO NO. YEARS 9.958 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jan-91 1000.00 2.805565 356.43444 1 FEE 14-Jan-92 0.546 2.863378 0.19068 0 2 FEE 14-Jan-93 0.546 3.045955 0.17925 0 3 FEE 14-Jan-94 0.546 3.353183 0.16283 0 4 14-Jan-95 0.546 3.292968 0.16581 0 5 14-Jan-96 0.546 4.273435 0.12777 0 6 14-Jan-97 0.546 5.517701 0.09895 0 7 14-Jan-98 0.546 6.682440 0.08171 0 8 14-Jan-99 0.546 8.022111 0.06806 0 9 14-Jan-00 0.546 8.944691 0.06104 0 10 29-Dec-00 0.546 10.000000 0.05460 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 355.24374 3552.4374 9.958 FORMULA: 1000*(1+T)= 3552.4374 = 3552.437368 T = 13.58% R = 255.24% Aim Cap App 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.280111 304.86773 1 FEE 05-May-94 0.546 3.865909 0.14123 0 2 FEE 05-May-95 0.546 4.307885 0.12674 0 3 FEE 05-May-96 0.546 5.825861 0.09372 0 4 05-May-97 0.546 6.104808 0.08944 0 5 05-May-98 0.546 7.701830 0.07089 0 6 05-May-99 0.546 8.204463 0.06655 0 7 05-May-00 0.546 11.678361 0.04675 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 304.17780 3041.7780 7.652 FORMULA: 1000*(1+T)= 3041.7780 = 3041.778004 T = 15.65% R = 204.18% Aim Growth 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.558489 281.01815 1 FEE 05-May-94 0.546 3.736855 0.14611 0 2 FEE 05-May-95 0.546 4.175083 0.13078 0 3 FEE 05-May-96 0.546 5.269180 0.10362 0 4 05-May-97 0.546 6.199549 0.08807 0 5 05-May-98 0.546 8.344080 0.06544 0 6 05-May-99 0.546 10.209725 0.05348 0 7 05-May-00 0.546 14.362800 0.03801 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 280.33804 2803.3804 7.652 FORMULA: 1000*(1+T)= 2803.3804 = 2803.38042 T = 14.42% R = 180.34% Aim Value 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.668264 272.60851 1 FEE 05-May-94 0.546 4.259540 0.12818 0 2 FEE 05-May-95 0.546 4.813413 0.11343 0 3 FEE 05-May-96 0.546 5.795666 0.09421 0 4 05-May-97 0.546 6.969759 0.07834 0 5 05-May-98 0.546 8.962632 0.06092 0 6 05-May-99 0.546 11.258970 0.04849 0 7 05-May-00 0.546 14.385885 0.03795 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 271.99238 2719.9238 7.652 FORMULA: 1000*(1+T)= 2719.9238 = 2719.923838 T = 13.97% R = 171.99% Putnam International Growth 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.331330 187.57046 1 FEE 02-Jan-98 0.546 6.124105 0.08916 0 2 FEE 02-Jan-99 0.546 7.113641 0.07675 0 3 FEE 02-Jan-00 0.546 11.406032 0.04787 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 187.30208 1873.0208 3.989 FORMULA: 1000*(1+T)= 1873.0208 = 1873.020769 T = 17.04% R = 87.30% Putnam Voyager 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 1.440754 694.08102 1 FEE 01-Feb-89 0.546 1.550978 0.35204 0 2 FEE 01-Feb-90 0.546 1.691477 0.32279 0 3 FEE 01-Feb-91 0.546 1.956256 0.27910 0 4 01-Feb-92 0.546 2.642225 0.20664 0 5 01-Feb-93 0.546 2.888190 0.18905 0 6 01-Feb-94 0.546 3.415567 0.15986 0 7 01-Feb-95 0.546 3.357625 0.16261 0 8 01-Feb-96 0.546 4.685227 0.11654 0 9 01-Feb-97 0.546 5.345871 0.10213 0 10 01-Feb-98 0.546 6.356411 0.08590 0 11 01-Feb-99 0.546 8.155524 0.06695 0 12 01-Feb-00 0.546 12.051351 0.04531 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 691.93750 6919.3750 12.909 FORMULA: 1000*(1+T)= 6919.3750 = 6919.37496 T = 16.17% R = 591.94% Putnam Growth & Income 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 2.109633 474.01610 1 FEE 01-Feb-89 0.546 2.623992 0.20808 0 2 FEE 01-Feb-90 0.546 2.858284 0.19102 0 3 FEE 01-Feb-91 0.546 3.096106 0.17635 0 4 01-Feb-92 0.546 3.511099 0.15551 0 5 01-Feb-93 0.546 3.826690 0.14268 0 6 01-Feb-94 0.546 4.363775 0.12512 0 7 01-Feb-95 0.546 4.295394 0.12711 0 8 01-Feb-96 0.546 5.785076 0.09438 0 9 01-Feb-97 0.546 7.050687 0.07744 0 10 01-Feb-98 0.546 8.292843 0.06584 0 11 01-Feb-99 0.546 9.452166 0.05776 0 12 01-Feb-00 0.546 9.080407 0.06013 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 472.48007 4724.8007 12.909 FORMULA: 1000*(1+T)= 4724.8007 = 4724.800657 T = 12.78% R = 372.48% MSDW Mid Cap 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 4.990418 200.38402 1 FEE 02-Jan-98 0.546 6.899896 0.07913 0 2 FEE 02-Jan-99 0.546 7.672143 0.07117 0 3 FEE 02-Jan-00 0.546 9.161549 0.05960 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 200.11952 2001.1952 3.989 FORMULA: 1000*(1+T)= 2001.1952 = 2001.195208 T = 19.00% R = 100.12% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.763915 92.90300 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.84840 928.4840 0.145 FORMULA: 1000*(1+T)= 928.4840 = 928.4840044 T = -40.03% R = -7.15%
Non-Standardized Calculations Dates: Current: 12/29/00 3 Months Ago: 09/29/00 End of Last Year: 12/31/99 One Yr Ago: 12/31/99 Two Yrs Ago: 12/31/98 Non-Standardized Performance Three Yrs Ago: 12/31/97 Five Yrs Ago: 12/29/95 Ten Yrs Ago: 12/31/90 Inception Inception Ten Yr Five Yr Fund ............................... Date AUV AUV Alliance Premier Growth ............ 01/31/00 11.561919 N/A N/A Alliance Growth .................... 01/31/00 11.769561 N/A N/A Alliance Growth and Income ......... 01/31/00 8.576501 N/A N/A Aim Cap App ........................ 01/31/00 11.178468 N/A N/A Aim Growth ......................... 01/31/00 12.761614 N/A N/A Aim Value .......................... 01/31/00 12.913393 N/A N/A Putnam International Growth 01/31/00 10.671893 N/A N/A Putnam Voyager ..................... 01/31/00 11.789187 N/A N/A Putnam Growth & Income ............. 01/31/00 9.080769 N/A N/A MSDW Mid Cap ....................... 01/31/00 8.833497 N/A N/A Information Portfolio .............. 11/06/00 10.763915 N/A N/A One Yr YTD Today's Fund ............................... AUV AUV AUV AUV Total Alliance Premier Growth ............ N/A 10 10 -13.51% -14.71% N/A Alliance Growth .................... N/A 10 10 -15.04% -16.36% N/A Alliance Growth and Income ......... N/A 10 10 16.60% 18.33% N/A Aim Cap App ........................ N/A 10 10 -10.54% -11.49% N/A Aim Growth ......................... N/A 10 10 -21.64% -23.45% N/A Aim Value .......................... N/A 10 10 -22.56% -24.44% N/A Putnam International Growth N/A 10 10 -6.30% -6.88% N/A Putnam Voyager ..................... N/A 10 10 -15.18% -16.51% N/A Putnam Growth & Income ............. N/A 10 10 10.12% 11.15% N/A MSDW Mid Cap ....................... N/A 10 10 13.21% 14.56% N/A Information Portfolio .............. N/A 10 10 -7.10% -39.77% N/A Inception Ten Years Five Years One Year Fund ............................... Average Total Average Total Alliance Premier Growth ............ N/A N/A N/A N/A Alliance Growth .................... N/A N/A N/A N/A Alliance Growth and Income ......... N/A N/A N/A N/A Aim Cap App ........................ N/A N/A N/A N/A Aim Growth ......................... N/A N/A N/A N/A Aim Value .......................... N/A N/A N/A N/A Putnam International Growth N/A N/A N/A N/A Putnam Voyager ..................... N/A N/A N/A N/A Putnam Growth & Income ............. N/A N/A N/A N/A MSDW Mid Cap ....................... N/A N/A N/A N/A Information Portfolio .............. N/A N/A N/A N/A YTD Fund ............................... Average Alliance Premier Growth ............ 0.00% Alliance Growth .................... 0.00% Alliance Growth and Income ......... 0.00% Aim Cap App ........................ 0.00% Aim Growth ......................... 0.00% Aim Value .......................... 0.00% Putnam International Growth 0.00% Putnam Voyager ..................... 0.00% Putnam Growth & Income ............. 0.00% MSDW Mid Cap ....................... 0.00% Information Portfolio .............. 0.00%
Alliance Premier Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.575811 86.38704 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 86.33244 863.3244 0.912 FORMULA: 1000*(1+T)= 863.3244 = 863.3243586 T = -14.89% R = -13.67% Alliance Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.783713 84.86290 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.80830 848.0830 0.912 FORMULA: 1000*(1+T)= 848.0830 = 848.0829508 T = -16.53% R = -15.19% Alliance Growth and Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.586801 116.45781 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 116.40321 1164.0321 0.912 FORMULA: 1000*(1+T)= 1164.0321 = 1164.032054 T = 18.13% R = 16.40% Aim Cap App 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.191923 89.35015 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 89.29555 892.9555 0.912 FORMULA: 1000*(1+T)= 892.9555 = 892.955501 T = -11.68% R = -10.70% Aim Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.778387 78.25714 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 78.20254 782.0254 0.912 FORMULA: 1000*(1+T)= 782.0254 = 782.025384 T = -23.64% R = -21.80% Aim Value 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.928910 77.34604 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 77.29144 772.9144 0.912 FORMULA: 1000*(1+T)= 772.9144 = 772.9144077 T = -24.61% R = -22.71% Putnam International Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 10.684719 93.59160 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 93.53700 935.3700 0.912 FORMULA: 1000*(1+T)= 935.3700 = 935.3700498 T = -7.07% R = -6.46% Putnam Voyager 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.803374 84.72154 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.66694 846.6694 0.912 FORMULA: 1000*(1+T)= 846.6694 = 846.669381 T = -16.69% R = -15.33% Putnam Growth & Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 9.091666 109.99084 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 109.93624 1099.3624 0.912 FORMULA: 1000*(1+T)= 1099.3624 = 1099.362422 T = 10.95% R = 9.94% MSDW Mid Cap 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.844114 113.06955 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 113.01495 1130.1495 0.912 FORMULA: 1000*(1+T)= 1130.1495 = 1130.149511 T = 14.36% R = 13.01% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.765976 92.88522 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.83062 928.3062 0.145 FORMULA: 1000*(1+T)= 928.3062 = 928.3061542 T = -40.11% R = -7.17% Alliance Premier Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.208751 81.90846 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.85386 818.5386 1.000 FORMULA: 1000*(1+T)= 818.5386 - (0.85 * 1000 * 0) = 818.5386 T = -18.15% R = -18.15% Alliance Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.371258 80.83252 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.77792 807.7792 1.000 FORMULA: 1000*(1+T)= 807.7792 - (0.85 * 1000 * 0) = 807.7792 T = -19.22% R = -19.22% Alliance Growth and Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 8.956476 111.65106 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.59646 1115.9646 1.000 FORMULA: 1000*(1+T)= 1115.9646 - (0.85 * 1000 * 0) = 1115.9646 T = 11.60% R = 11.60% Aim Cap App 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.403817 87.68994 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.63534 876.3534 1.000 FORMULA: 1000*(1+T)= 876.3534 - (0.85 * 1000 * 0) = 876.3534 T = -12.36% R = -12.36% Aim Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.778387 78.25714 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.20254 782.0254 1.000 FORMULA: 1000*(1+T)= 782.0254 - (0.85 * 1000 * 0) = 782.0254 T = -21.80% R = -21.80% Aim Value 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 13.272943 75.34124 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.28664 752.8664 1.000 FORMULA: 1000*(1+T)= 752.8664 - (0.85 * 1000 * 0) = 752.8664 T = -24.71% R = -24.71% Putnam International Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.234403 89.01230 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.95770 889.5770 1.000 FORMULA: 1000*(1+T)= 889.5770 - (0.85 * 1000 * 0) = 889.5770 T = -11.04% R = -11.04% Putnam Voyager 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.172880 82.14983 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.09523 820.9523 1.000 FORMULA: 1000*(1+T)= 820.9523 - (0.85 * 1000 * 0) = 820.9523 T = -17.90% R = -17.90% Putnam Growth & Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.413674 106.22845 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.17385 1061.7385 1.000 FORMULA: 1000*(1+T)= 1061.7385 - (0.85 * 1000 * 0) = 1061.7385 T = 6.17% R = 6.17% MSDW Mid Cap 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.173622 109.00820 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.95360 1089.5360 1.000 FORMULA: 1000*(1+T)= 1089.5360 - (0.85 * 1000 * 0) = 1089.5360 T = 8.95% R = 8.95% Alliance Premier Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 #VALUE! #VALUE! FEE 29-Dec-98 0.546 #VALUE! #VALUE! FEE 29-Dec-99 0.546 12.088921 0.04517 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Alliance Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.559719 219.31176 FEE 29-Dec-96 0.546 5.807958 0.09401 FEE 29-Dec-97 0.546 7.194438 0.07589 FEE 29-Dec-98 0.546 9.290054 0.05877 FEE 29-Dec-99 0.546 12.166061 0.04488 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 218.98361 2189.8361 5.000 FORMULA: 1000*(1+T)= 2189.8361 - (0.85 * 1000 * 0) = 2189.836078 T = 16.97% R = 118.98% Alliance Growth and Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.436531 225.40133 FEE 29-Dec-96 0.546 5.477787 0.09968 FEE 29-Dec-97 0.546 6.716705 0.08129 FEE 29-Dec-98 0.546 8.127080 0.06718 FEE 29-Dec-99 0.546 8.854485 0.06166 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 225.03692 2250.3692 5.000 FORMULA: 1000*(1+T)= 2250.3692 - (0.85 * 1000 * 0) = 2250.369211 T = 17.61% R = 125.04% Aim Cap App 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.277440 189.48581 FEE 29-Dec-96 0.546 6.114538 0.08930 FEE 29-Dec-97 0.546 6.592220 0.08282 FEE 29-Dec-98 0.546 7.812147 0.06989 FEE 29-Dec-99 0.546 11.274629 0.04843 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 189.14077 1891.4077 5.000 FORMULA: 1000*(1+T)= 1891.4077 - (0.85 * 1000 * 0) = 1891.407725 T = 13.59% R = 89.14% Aim Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.010442 199.58319 FEE 29-Dec-96 0.546 5.874838 0.09294 FEE 29-Dec-97 0.546 7.106304 0.07683 FEE 29-Dec-98 0.546 9.543081 0.05721 FEE 29-Dec-99 0.546 12.691283 0.04302 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 199.25858 1992.5858 5.000 FORMULA: 1000*(1+T)= 1992.5858 - (0.85 * 1000 * 0) = 1992.585827 T = 14.78% R = 99.26% Aim Value 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.779913 173.01298 FEE 29-Dec-96 0.546 6.574413 0.08305 FEE 29-Dec-97 0.546 7.844260 0.06961 FEE 29-Dec-98 0.546 10.376006 0.05262 FEE 29-Dec-99 0.546 13.160683 0.04149 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 172.71162 1727.1162 5.000 FORMULA: 1000*(1+T)= 1727.1162 - (0.85 * 1000 * 0) = 1727.116219 T = 11.55% R = 72.71% Putnam International Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.069160 0.08996 FEE 29-Dec-98 0.546 7.122412 0.07666 FEE 29-Dec-99 0.546 11.027504 0.04951 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.639632 215.53434 FEE 29-Dec-96 0.546 5.160787 0.10580 FEE 29-Dec-97 0.546 6.213915 0.08787 FEE 29-Dec-98 0.546 7.696058 0.07095 FEE 29-Dec-99 0.546 12.021094 0.04542 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 215.16970 2151.6970 5.000 FORMULA: 1000*(1+T)= 2151.6970 - (0.85 * 1000 * 0) = 2151.697048 T = 16.56% R = 115.17% Putnam Growth & Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.683832 175.93764 FEE 29-Dec-96 0.546 6.918754 0.07892 FEE 29-Dec-97 0.546 8.167679 0.06685 FEE 29-Dec-98 0.546 9.519565 0.05736 FEE 29-Dec-99 0.546 9.368740 0.05828 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 175.62164 1756.2164 5.000 FORMULA: 1000*(1+T)= 1756.2164 - (0.85 * 1000 * 0) = 1756.216428 T = 11.92% R = 75.62% MSDW Mid Cap 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.750733 0.08088 FEE 29-Dec-98 0.546 7.469840 0.07309 FEE 29-Dec-99 0.546 9.080443 0.06013 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 1.860770 537.41193 FEE 31-Dec-91 0.546 2.671467 0.20438 FEE 31-Dec-92 0.546 2.897294 0.18845 FEE 31-Dec-93 0.546 3.379706 0.16155 FEE 31-Dec-94 0.546 3.355808 0.16270 FEE 31-Dec-95 0.546 4.639189 0.11769 FEE 31-Dec-96 0.546 5.150304 0.10601 FEE 31-Dec-97 0.546 6.403400 0.08527 FEE 31-Dec-98 0.546 7.826952 0.06976 FEE 31-Dec-99 0.546 12.172880 0.04485 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 536.21666 5362.1666 10.000 FORMULA: 1000*(1+T)= 5362.1666 - (0.85 * 1000 * 0) = 5362.166562 T = 18.29% R = 436.22% Putnam Growth & Income 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 3.027336 330.32343 FEE 31-Dec-91 0.546 3.541688 0.15416 FEE 31-Dec-92 0.546 3.819960 0.14293 FEE 31-Dec-93 0.546 4.289506 0.12729 FEE 31-Dec-94 0.546 4.230114 0.12907 FEE 31-Dec-95 0.546 5.683289 0.09607 FEE 31-Dec-96 0.546 6.809302 0.08018 FEE 31-Dec-97 0.546 8.307714 0.06572 FEE 31-Dec-98 0.546 9.426920 0.05792 FEE 31-Dec-99 0.546 9.413674 0.05800 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 329.35747 3293.5747 10.000 FORMULA: 1000*(1+T)= 3293.5747 - (0.85 * 1000 * 0) = 3293.574696 T = 12.66% R = 229.36% Alliance Premier Growth 14-Jul-99 TO NO. YEARS 1.462 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jul-99 1000.00 10.874775 91.95593 1 FEE 14-Jul-00 0.546 13.222126 0.04129 0 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 91.86003 918.6003 1.462 FORMULA: 1000*(1+T)= 918.6003 = 918.6003111 T = -5.64% R = -8.14% Alliance Growth 15-Sep-94 TO NO. YEARS 6.289 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 15-Sep-94 1000.00 3.267287 306.06433 1 FEE 15-Sep-95 0.546 4.390248 0.12437 0 2 FEE 15-Sep-96 0.546 5.100764 0.10704 0 3 FEE 15-Sep-97 0.546 6.943123 0.07864 0 4 15-Sep-98 0.546 7.302739 0.07477 0 5 15-Sep-99 0.546 10.090503 0.05411 0 6 15-Sep-00 0.546 11.967447 0.04562 0 7 29-Dec-00 0.546 10.000000 0.05460 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 305.52518 3055.2518 6.289 FORMULA: 1000*(1+T)= 3055.2518 = 3055.251792 T = 19.43% R = 205.53% Alliance Growth and Income 14-Jan-91 TO NO. YEARS 9.958 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jan-91 1000.00 2.842521 351.80039 1 FEE 14-Jan-92 0.546 2.897426 0.18844 0 2 FEE 14-Jan-93 0.546 3.078133 0.17738 0 3 FEE 14-Jan-94 0.546 3.384171 0.16134 0 4 14-Jan-95 0.546 3.319018 0.16451 0 5 14-Jan-96 0.546 4.301472 0.12693 0 6 14-Jan-97 0.546 5.546603 0.09844 0 7 14-Jan-98 0.546 6.708574 0.08139 0 8 14-Jan-99 0.546 8.042881 0.06789 0 9 14-Jan-00 0.546 8.956476 0.06096 0 10 29-Dec-00 0.546 10.000000 0.05460 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 350.61851 3506.1851 9.958 FORMULA: 1000*(1+T)= 3506.1851 = 3506.185141 T = 13.43% R = 250.62% Aim Cap App 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.313405 301.80434 1 FEE 05-May-94 0.546 3.899985 0.14000 0 2 FEE 05-May-95 0.546 4.340134 0.12580 0 3 FEE 05-May-96 0.546 5.861735 0.09315 0 4 05-May-97 0.546 6.134315 0.08901 0 5 05-May-98 0.546 7.728866 0.07064 0 6 05-May-99 0.546 8.222402 0.06640 0 7 05-May-00 0.546 11.688408 0.04671 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 301.11802 3011.1802 7.652 FORMULA: 1000*(1+T)= 3011.1802 = 3011.18019 T = 15.49% R = 201.12% Aim Growth 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.594582 278.19646 1 FEE 05-May-94 0.546 3.769764 0.14484 0 2 FEE 05-May-95 0.546 4.206322 0.12980 0 3 FEE 05-May-96 0.546 5.301592 0.10299 0 4 05-May-97 0.546 6.229506 0.08765 0 5 05-May-98 0.546 8.373347 0.06521 0 6 05-May-99 0.546 10.232027 0.05336 0 7 05-May-00 0.546 14.376965 0.03798 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 277.52004 2775.2004 7.652 FORMULA: 1000*(1+T)= 2775.2004 = 2775.200407 T = 14.27% R = 177.52% Aim Value 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.705470 269.87130 1 FEE 05-May-94 0.546 4.297076 0.12706 0 2 FEE 05-May-95 0.546 4.849425 0.11259 0 3 FEE 05-May-96 0.546 5.831320 0.09363 0 4 05-May-97 0.546 7.003424 0.07796 0 5 05-May-98 0.546 8.994051 0.06071 0 6 05-May-99 0.546 11.283538 0.04839 0 7 05-May-00 0.546 14.400058 0.03792 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 269.25844 2692.5844 7.652 FORMULA: 1000*(1+T)= 2692.5844 = 2692.58438 T = 13.82% R = 169.26% Putnam International Growth 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.359423 186.58725 1 FEE 02-Jan-98 0.546 6.148271 0.08881 0 2 FEE 02-Jan-99 0.546 7.132349 0.07655 0 3 FEE 02-Jan-00 0.546 11.420981 0.04781 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 186.31949 1863.1949 3.989 FORMULA: 1000*(1+T)= 1863.1949 = 1863.194853 T = 16.88% R = 86.32% Putnam Voyager 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 1.465483 682.36888 1 FEE 01-Feb-89 0.546 1.575535 0.34655 0 2 FEE 01-Feb-90 0.546 1.716000 0.31818 0 3 FEE 01-Feb-91 0.546 1.981992 0.27548 0 4 01-Feb-92 0.546 2.673468 0.20423 0 5 01-Feb-93 0.546 2.918476 0.18708 0 6 01-Feb-94 0.546 3.446826 0.15841 0 7 01-Feb-95 0.546 3.383889 0.16135 0 8 01-Feb-96 0.546 4.715653 0.11578 0 9 01-Feb-97 0.546 5.373504 0.10161 0 10 01-Feb-98 0.546 6.380848 0.08557 0 11 01-Feb-99 0.546 8.176058 0.06678 0 12 01-Feb-00 0.546 12.065811 0.04525 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 680.24801 6802.4801 12.909 FORMULA: 1000*(1+T)= 6802.4801 = 6802.480058 T = 16.01% R = 580.25% Putnam Growth & Income 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 2.145839 466.01819 1 FEE 01-Feb-89 0.546 2.665501 0.20484 0 2 FEE 01-Feb-90 0.546 2.899680 0.18830 0 3 FEE 01-Feb-91 0.546 3.136821 0.17406 0 4 01-Feb-92 0.546 3.552609 0.15369 0 5 01-Feb-93 0.546 3.866811 0.14120 0 6 01-Feb-94 0.546 4.403717 0.12399 0 7 01-Feb-95 0.546 4.328998 0.12613 0 8 01-Feb-96 0.546 5.822660 0.09377 0 9 01-Feb-97 0.546 7.087155 0.07704 0 10 01-Feb-98 0.546 8.324739 0.06559 0 11 01-Feb-99 0.546 9.475981 0.05762 0 12 01-Feb-00 0.546 9.091270 0.06006 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 464.49731 4644.9731 12.909 FORMULA: 1000*(1+T)= 4644.9731 = 4644.973082 T = 12.63% R = 364.50% MSDW Mid Cap 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.016765 199.33164 1 FEE 02-Jan-98 0.546 6.927181 0.07882 0 2 FEE 02-Jan-99 0.546 7.692366 0.07098 0 3 FEE 02-Jan-00 0.546 9.173622 0.05952 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 199.06772 1990.6772 3.989 FORMULA: 1000*(1+T)= 1990.6772 = 1990.677231 T = 18.84% R = 99.07% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.765976 92.88522 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.83062 928.3062 0.145 FORMULA: 1000*(1+T)= 928.3062 = 928.3061542 T = -40.11% R = -7.17%
Non-Standardized Calculations Dates: Current: 12/29/00 3 Months Ago: 09/29/00 End of Last Year: 12/31/99 One Yr Ago: 12/31/99 Two Yrs Ago: 12/31/98 Non-Standardized Performance Three Yrs Ago: 12/31/97 Five Yrs Ago: 12/29/95 Ten Yrs Ago: 12/31/90 Inception Ten Yr Five Yr Fund ................................ Date AUV AUV Alliance Premier Growth ............. 01/31/00 11.575811 N/A N/A Alliance Growth ..................... 01/31/00 11.783713 N/A N/A Alliance Growth and Income .......... 01/31/00 8.586801 N/A N/A Aim Cap App ......................... 01/31/00 11.191923 N/A N/A Aim Growth .......................... 01/31/00 12.778387 N/A N/A Aim Value ........................... 01/31/00 12.92891 N/A N/A Putnam International Growth 01/31/00 10.684719 N/A N/A Putnam Voyager ...................... 01/31/00 11.803374 N/A N/A Putnam Growth & Income .............. 01/31/00 9.091666 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.844114 N/A N/A Information Portfolio ............... 11/06/00 10.765976 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.61% -14.82% N/A Alliance Growth ..................... N/A 10 10 -15.14% -16.47% N/A Alliance Growth and Income .......... N/A 10 10 16.46% 18.18% N/A Aim Cap App ......................... N/A 10 10 -10.65% -11.61% N/A Aim Growth .......................... N/A 10 10 -21.74% -23.57% N/A Aim Value ........................... N/A 10 10 -22.65% -24.54% N/A Putnam International Growth N/A 10 10 -6.41% -7.00% N/A Putnam Voyager ...................... N/A 10 10 -15.28% -16.62% N/A Putnam Growth & Income .............. N/A 10 10 9.99% 11.00% N/A MSDW Mid Cap ........................ N/A 10 10 13.07% 14.41% N/A Information Portfolio ............... N/A 10 10 -7.11% -39.85% N/A Inception Ten Years Five Years One Year Fund ................................ Average Total Average Total Alliance Premier Growth ............. N/A N/A N/A N/A Alliance Growth ..................... N/A N/A N/A N/A Alliance Growth and Income .......... N/A N/A N/A N/A Aim Cap App ......................... N/A N/A N/A N/A Aim Growth .......................... N/A N/A N/A N/A Aim Value ........................... N/A N/A N/A N/A Putnam International Growth N/A N/A N/A N/A Putnam Voyager ...................... N/A N/A N/A N/A Putnam Growth & Income .............. N/A N/A N/A N/A MSDW Mid Cap ........................ N/A N/A N/A N/A Information Portfolio ............... N/A N/A N/A N/A YTD Fund ................................ Average Alliance Premier Growth ............. 0.00% Alliance Growth ..................... 0.00% Alliance Growth and Income .......... 0.00% Aim Cap App ......................... 0.00% Aim Growth .......................... 0.00% Aim Value ........................... 0.00% Putnam International Growth 0.00% Putnam Voyager ...................... 0.00% Putnam Growth & Income .............. 0.00% MSDW Mid Cap ........................ 0.00% Information Portfolio ............... 0.00%
Alliance Premier Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.587592 86.29921 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 86.24461 862.4461 0.912 FORMULA: 1000*(1+T)= 862.4461 = 862.4460694 T = -14.98% R = -13.76% Alliance Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.795713 84.77656 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.72196 847.2196 0.912 FORMULA: 1000*(1+T)= 847.2196 = 847.2196247 T = -16.63% R = -15.28% Alliance Growth and Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.595513 116.33977 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 116.28517 1162.8517 0.912 FORMULA: 1000*(1+T)= 1162.8517 = 1162.851694 T = 18.00% R = 16.29% Aim Cap App 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.203325 89.25922 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 89.20462 892.0462 0.912 FORMULA: 1000*(1+T)= 892.0462 = 892.0461546 T = -11.78% R = -10.80% Aim Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.792628 78.17002 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 78.11542 781.1542 0.912 FORMULA: 1000*(1+T)= 781.1542 = 781.1542105 T = -23.73% R = -21.88% Aim Value 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.942105 77.26718 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 77.21258 772.1258 0.912 FORMULA: 1000*(1+T)= 772.1258 = 772.1258335 T = -24.70% R = -22.79% Putnam International Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 10.695601 93.49638 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 93.44178 934.4178 0.912 FORMULA: 1000*(1+T)= 934.4178 = 934.417823 T = -7.17% R = -6.56% Putnam Voyager 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.815396 84.63534 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.58074 845.8074 0.912 FORMULA: 1000*(1+T)= 845.8074 = 845.8073512 T = -16.78% R = -15.42% Putnam Growth & Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 9.100899 109.87925 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 109.82465 1098.2465 0.912 FORMULA: 1000*(1+T)= 1098.2465 = 1098.246548 T = 10.83% R = 9.82% MSDW Mid Cap 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.853112 112.95463 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 112.90003 1129.0003 0.912 FORMULA: 1000*(1+T)= 1129.0003 = 1129.000311 T = 14.23% R = 12.90% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.767723 92.87015 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.81555 928.1555 0.145 FORMULA: 1000*(1+T)= 928.1555 = 928.1554534 T = -40.18% R = -7.18% Alliance Premier Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.222395 81.81703 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.76243 817.6243 1.000 FORMULA: 1000*(1+T)= 817.6243 - (0.85 * 1000 * 0) = 817.6243 T = -18.24% R = -18.24% Alliance Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.385086 80.74227 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.68767 806.8767 1.000 FORMULA: 1000*(1+T)= 806.8767 - (0.85 * 1000 * 0) = 806.8767 T = -19.31% R = -19.31% Alliance Growth and Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 8.966448 111.52688 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.47228 1114.7228 1.000 FORMULA: 1000*(1+T)= 1114.7228 - (0.85 * 1000 * 0) = 1114.7228 T = 11.47% R = 11.47% Aim Cap App 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.416517 87.59239 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.53779 875.3779 1.000 FORMULA: 1000*(1+T)= 875.3779 - (0.85 * 1000 * 0) = 875.3779 T = -12.46% R = -12.46% Aim Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.792628 78.17002 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.11542 781.1542 1.000 FORMULA: 1000*(1+T)= 781.1542 - (0.85 * 1000 * 0) = 781.1542 T = -21.88% R = -21.88% Aim Value 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 13.287747 75.25730 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.20270 752.0270 1.000 FORMULA: 1000*(1+T)= 752.0270 - (0.85 * 1000 * 0) = 752.0270 T = -24.80% R = -24.80% Putnam International Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.246911 88.91330 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.85870 888.5870 1.000 FORMULA: 1000*(1+T)= 888.5870 - (0.85 * 1000 * 0) = 888.5870 T = -11.14% R = -11.14% Putnam Voyager 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.186434 82.05846 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.00386 820.0386 1.000 FORMULA: 1000*(1+T)= 820.0386 - (0.85 * 1000 * 0) = 820.0386 T = -18.00% R = -18.00% Putnam Growth & Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.424130 106.11059 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.05599 1060.5599 1.000 FORMULA: 1000*(1+T)= 1060.5599 - (0.85 * 1000 * 0) = 1060.5599 T = 6.06% R = 6.06% MSDW Mid Cap 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.183856 108.88672 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.83212 1088.3212 1.000 FORMULA: 1000*(1+T)= 1088.3212 - (0.85 * 1000 * 0) = 1088.3212 T = 8.83% R = 8.83% Alliance Premier Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 #VALUE! #VALUE! FEE 29-Dec-98 0.546 #VALUE! #VALUE! FEE 29-Dec-99 0.546 12.102506 0.04511 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Alliance Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.585311 218.08772 FEE 29-Dec-96 0.546 5.834038 0.09359 FEE 29-Dec-97 0.546 7.218654 0.07564 FEE 29-Dec-98 0.546 9.310904 0.05864 FEE 29-Dec-99 0.546 12.179734 0.04483 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 217.76042 2177.6042 5.000 FORMULA: 1000*(1+T)= 2177.6042 - (0.85 * 1000 * 0) = 2177.604198 T = 16.84% R = 117.76% Alliance Growth and Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.461408 224.14449 FEE 29-Dec-96 0.546 5.502334 0.09923 FEE 29-Dec-97 0.546 6.739270 0.08102 FEE 29-Dec-98 0.546 8.145278 0.06703 FEE 29-Dec-99 0.546 8.864398 0.06159 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 223.78101 2237.8101 5.000 FORMULA: 1000*(1+T)= 2237.8101 - (0.85 * 1000 * 0) = 2237.810096 T = 17.48% R = 123.78% Aim Cap App 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.307032 188.42924 FEE 29-Dec-96 0.546 6.141956 0.08890 FEE 29-Dec-97 0.546 6.614375 0.08255 FEE 29-Dec-98 0.546 7.829636 0.06974 FEE 29-Dec-99 0.546 11.287254 0.04837 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 188.08509 1880.8509 5.000 FORMULA: 1000*(1+T)= 1880.8509 - (0.85 * 1000 * 0) = 1880.850864 T = 13.47% R = 88.09% Aim Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.038508 198.47145 FEE 29-Dec-96 0.546 5.901158 0.09252 FEE 29-Dec-97 0.546 7.130159 0.07658 FEE 29-Dec-98 0.546 9.564445 0.05709 FEE 29-Dec-99 0.546 12.705504 0.04297 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 198.14769 1981.4769 5.000 FORMULA: 1000*(1+T)= 1981.4769 - (0.85 * 1000 * 0) = 1981.47692 T = 14.66% R = 98.15% Aim Value 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.812340 172.04775 FEE 29-Dec-96 0.546 6.603900 0.08268 FEE 29-Dec-97 0.546 7.870630 0.06937 FEE 29-Dec-98 0.546 10.399263 0.05250 FEE 29-Dec-99 0.546 13.175443 0.04144 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 171.74715 1717.4715 5.000 FORMULA: 1000*(1+T)= 1717.4715 - (0.85 * 1000 * 0) = 1717.47152 T = 11.42% R = 71.75% Putnam International Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.089515 0.08966 FEE 29-Dec-98 0.546 7.138322 0.07649 FEE 29-Dec-99 0.546 11.039849 0.04946 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.665637 214.33301 FEE 29-Dec-96 0.546 5.183941 0.10533 FEE 29-Dec-97 0.546 6.234775 0.08757 FEE 29-Dec-98 0.546 7.713273 0.07079 FEE 29-Dec-99 0.546 12.034553 0.04537 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 213.96935 2139.6935 5.000 FORMULA: 1000*(1+T)= 2139.6935 - (0.85 * 1000 * 0) = 2139.693503 T = 16.43% R = 113.97% Putnam Growth & Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.715677 174.95740 FEE 29-Dec-96 0.546 6.949789 0.07856 FEE 29-Dec-97 0.546 8.195100 0.06663 FEE 29-Dec-98 0.546 9.540860 0.05723 FEE 29-Dec-99 0.546 9.379204 0.05821 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 174.64217 1746.4217 5.000 FORMULA: 1000*(1+T)= 1746.4217 - (0.85 * 1000 * 0) = 1746.421721 T = 11.80% R = 74.64% MSDW Mid Cap 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.773447 0.08061 FEE 29-Dec-98 0.546 7.486588 0.07293 FEE 29-Dec-99 0.546 9.090628 0.06006 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 1.881697 531.43519 FEE 31-Dec-91 0.546 2.698495 0.20234 FEE 31-Dec-92 0.546 2.923324 0.18677 FEE 31-Dec-93 0.546 3.406250 0.16029 FEE 31-Dec-94 0.546 3.378375 0.16162 FEE 31-Dec-95 0.546 4.665163 0.11704 FEE 31-Dec-96 0.546 5.173348 0.10554 FEE 31-Dec-97 0.546 6.424857 0.08498 FEE 31-Dec-98 0.546 7.844412 0.06960 FEE 31-Dec-99 0.546 12.186434 0.04480 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 530.24760 5302.4760 10.000 FORMULA: 1000*(1+T)= 5302.4760 - (0.85 * 1000 * 0) = 5302.476014 T = 18.15% R = 430.25% Putnam Growth & Income 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 3.061348 326.65349 FEE 31-Dec-91 0.546 3.577471 0.15262 FEE 31-Dec-92 0.546 3.854246 0.14166 FEE 31-Dec-93 0.546 4.323165 0.12630 FEE 31-Dec-94 0.546 4.258543 0.12821 FEE 31-Dec-95 0.546 5.715096 0.09554 FEE 31-Dec-96 0.546 6.839762 0.07983 FEE 31-Dec-97 0.546 8.335555 0.06550 FEE 31-Dec-98 0.546 9.447950 0.05779 FEE 31-Dec-99 0.546 9.424130 0.05794 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 325.69350 3256.9350 10.000 FORMULA: 1000*(1+T)= 3256.9350 - (0.85 * 1000 * 0) = 3256.935013 T = 12.53% R = 225.69% Alliance Premier Growth 14-Jul-99 TO NO. YEARS 1.462 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jul-99 1000.00 10.892601 91.80544 1 FEE 14-Jul-00 0.546 13.228933 0.04127 0 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 91.70956 917.0956 1.462 FORMULA: 1000*(1+T)= 917.0956 = 917.095643 T = -5.75% R = -8.29% Alliance Growth 15-Sep-94 TO NO. YEARS 6.289 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 15-Sep-94 1000.00 3.290267 303.92670 1 FEE 15-Sep-95 0.546 4.416504 0.12363 0 2 FEE 15-Sep-96 0.546 5.125309 0.10653 0 3 FEE 15-Sep-97 0.546 6.968740 0.07835 0 4 15-Sep-98 0.546 7.321478 0.07458 0 5 15-Sep-99 0.546 10.105088 0.05403 0 6 15-Sep-00 0.546 11.971299 0.04561 0 7 29-Dec-00 0.546 10.000000 0.05460 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 303.38938 3033.8938 6.289 FORMULA: 1000*(1+T)= 3033.8938 = 3033.89379 T = 19.30% R = 203.39% Alliance Growth and Income 14-Jan-91 TO NO. YEARS 9.958 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jan-91 1000.00 2.874224 347.92000 1 FEE 14-Jan-92 0.546 2.926601 0.18656 0 2 FEE 14-Jan-93 0.546 3.105668 0.17581 0 3 FEE 14-Jan-94 0.546 3.410656 0.16009 0 4 14-Jan-95 0.546 3.341257 0.16341 0 5 14-Jan-96 0.546 4.325380 0.12623 0 6 14-Jan-97 0.546 5.571187 0.09800 0 7 14-Jan-98 0.546 6.730783 0.08112 0 8 14-Jan-99 0.546 8.060499 0.06774 0 9 14-Jan-00 0.546 8.966448 0.06089 0 10 29-Dec-00 0.546 10.000000 0.05460 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 346.74554 3467.4554 9.958 FORMULA: 1000*(1+T)= 3467.4554 = 3467.455377 T = 13.30% R = 246.75% Aim Cap App 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.341883 299.23250 1 FEE 05-May-94 0.546 3.929112 0.13896 0 2 FEE 05-May-95 0.546 4.367648 0.12501 0 3 FEE 05-May-96 0.546 5.892296 0.09266 0 4 05-May-97 0.546 6.159420 0.08864 0 5 05-May-98 0.546 7.751824 0.07044 0 6 05-May-99 0.546 8.237601 0.06628 0 7 05-May-00 0.546 11.696920 0.04668 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 298.54922 2985.4922 7.652 FORMULA: 1000*(1+T)= 2985.4922 = 2985.492223 T = 15.37% R = 198.55% Aim Growth 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.625440 275.82859 1 FEE 05-May-94 0.546 3.797902 0.14376 0 2 FEE 05-May-95 0.546 4.232967 0.12899 0 3 FEE 05-May-96 0.546 5.329217 0.10245 0 4 05-May-97 0.546 6.254982 0.08729 0 5 05-May-98 0.546 8.398199 0.06501 0 6 05-May-99 0.546 10.250950 0.05326 0 7 05-May-00 0.546 14.388992 0.03795 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 275.15527 2751.5527 7.652 FORMULA: 1000*(1+T)= 2751.5527 = 2751.552705 T = 14.14% R = 175.16% Aim Value 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.737329 267.57077 1 FEE 05-May-94 0.546 4.329179 0.12612 0 2 FEE 05-May-95 0.546 4.880185 0.11188 0 3 FEE 05-May-96 0.546 5.861745 0.09315 0 4 05-May-97 0.546 7.032095 0.07764 0 5 05-May-98 0.546 9.020780 0.06053 0 6 05-May-99 0.546 11.304428 0.04830 0 7 05-May-00 0.546 14.412109 0.03788 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 266.96067 2669.6067 7.652 FORMULA: 1000*(1+T)= 2669.6067 = 2669.606668 T = 13.69% R = 166.96% Putnam International Growth 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.383354 185.75780 1 FEE 02-Jan-98 0.546 6.168815 0.08851 0 2 FEE 02-Jan-99 0.546 7.148238 0.07638 0 3 FEE 02-Jan-00 0.546 11.433662 0.04775 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 185.49055 1854.9055 3.989 FORMULA: 1000*(1+T)= 1854.9055 = 1854.905549 T = 16.75% R = 85.49% Putnam Voyager 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 1.486808 672.58180 1 FEE 01-Feb-89 0.546 1.596661 0.34196 0 2 FEE 01-Feb-90 0.546 1.737060 0.31432 0 3 FEE 01-Feb-91 0.546 2.004080 0.27244 0 4 01-Feb-92 0.546 2.700256 0.20220 0 5 01-Feb-93 0.546 2.944403 0.18544 0 6 01-Feb-94 0.546 3.473556 0.15719 0 7 01-Feb-95 0.546 3.406308 0.16029 0 8 01-Feb-96 0.546 4.741590 0.11515 0 9 01-Feb-97 0.546 5.397034 0.10117 0 10 01-Feb-98 0.546 6.401625 0.08529 0 11 01-Feb-99 0.546 8.193494 0.06664 0 12 01-Feb-00 0.546 12.078065 0.04521 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 670.47990 6704.7990 12.909 FORMULA: 1000*(1+T)= 6704.7990 = 6704.798963 T = 15.88% R = 570.48% Putnam Growth & Income 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 2.177026 459.34224 1 FEE 01-Feb-89 0.546 2.701225 0.20213 0 2 FEE 01-Feb-90 0.546 2.935258 0.18601 0 3 FEE 01-Feb-91 0.546 3.171750 0.17214 0 4 01-Feb-92 0.546 3.588165 0.15217 0 5 01-Feb-93 0.546 3.901132 0.13996 0 6 01-Feb-94 0.546 4.437838 0.12303 0 7 01-Feb-95 0.546 4.357664 0.12530 0 8 01-Feb-96 0.546 5.854676 0.09326 0 9 01-Feb-97 0.546 7.118182 0.07670 0 10 01-Feb-98 0.546 8.351850 0.06537 0 11 01-Feb-99 0.546 9.496191 0.05750 0 12 01-Feb-00 0.546 9.100475 0.06000 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 457.83406 4578.3406 12.909 FORMULA: 1000*(1+T)= 4578.3406 = 4578.34063 T = 12.51% R = 357.83% MSDW Mid Cap 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.039204 198.44404 1 FEE 02-Jan-98 0.546 6.950404 0.07856 0 2 FEE 02-Jan-99 0.546 7.709544 0.07082 0 3 FEE 02-Jan-00 0.546 9.183856 0.05945 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 198.18061 1981.8061 3.989 FORMULA: 1000*(1+T)= 1981.8061 = 1981.806099 T = 18.71% R = 98.18% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.767723 92.87015 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.81555 928.1555 0.145 FORMULA: 1000*(1+T)= 928.1555 = 928.1554534 T = -40.18% R = -7.18%
Non-Standardized Calculations Dates: Current: 12/29/00 3 Months Ago: 09/29/00 End of Last Year: 12/31/99 One Yr Ago: 12/31/99 Two Yrs Ago: 12/31/98 Non-Standardized Performance Three Yrs Ago: 12/31/97 Five Yrs Ago: 12/29/95 Ten Yrs Ago: 12/31/90 Inception Inception Ten Yr Five Yr Fund ................................ Date AUV AUV Alliance Premier Growth ............. 01/31/00 11.587592 N/A N/A Alliance Growth ..................... 01/31/00 11.795713 N/A N/A Alliance Growth and Income .......... 01/31/00 8.595513 N/A N/A Aim Cap App ......................... 01/31/00 11.203325 N/A N/A Aim Growth .......................... 01/31/00 12.792628 N/A N/A Aim Value ........................... 01/31/00 12.942105 N/A N/A Putnam International Growth 01/31/00 10.695601 N/A N/A Putnam Voyager ...................... 01/31/00 11.815396 N/A N/A Putnam Growth & Income .............. 01/31/00 9.100899 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.853112 N/A N/A Information Portfolio ............... 11/06/00 10.767723 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.70% -14.91% N/A Alliance Growth ..................... N/A 10 10 -15.22% -16.56% N/A Alliance Growth and Income .......... N/A 10 10 16.34% 18.04% N/A Aim Cap App ......................... N/A 10 10 -10.74% -11.71% N/A Aim Growth .......................... N/A 10 10 -21.83% -23.66% N/A Aim Value ........................... N/A 10 10 -22.73% -24.62% N/A Putnam International Growth N/A 10 10 -6.50% -7.11% N/A Putnam Voyager ...................... N/A 10 10 -15.36% -16.71% N/A Putnam Growth & Income .............. N/A 10 10 9.88% 10.88% N/A MSDW Mid Cap ........................ N/A 10 10 12.95% 14.28% N/A Information Portfolio ............... N/A 10 10 -7.13% -39.91% N/A Inception Ten Years Five Years One Year Fund ................................ Average Total Average Total Alliance Premier Growth ............. N/A N/A N/A N/A Alliance Growth ..................... N/A N/A N/A N/A Alliance Growth and Income .......... N/A N/A N/A N/A Aim Cap App ......................... N/A N/A N/A N/A Aim Growth .......................... N/A N/A N/A N/A Aim Value ........................... N/A N/A N/A N/A Putnam International Growth N/A N/A N/A N/A Putnam Voyager ...................... N/A N/A N/A N/A Putnam Growth & Income .............. N/A N/A N/A N/A MSDW Mid Cap ........................ N/A N/A N/A N/A Information Portfolio ............... N/A N/A N/A N/A YTD Fund ................................ Average Alliance Premier Growth ............. 0.00% Alliance Growth ..................... 0.00% Alliance Growth and Income .......... 0.00% Aim Cap App ......................... 0.00% Aim Growth .......................... 0.00% Aim Value ........................... 0.00% Putnam International Growth 0.00% Putnam Voyager ...................... 0.00% Putnam Growth & Income .............. 0.00% MSDW Mid Cap ........................ 0.00% Information Portfolio ............... 0.00%
Alliance Premier Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.594030 86.25129 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 86.19669 861.9669 0.912 FORMULA: 1000*(1+T)= 861.9669 = 861.9668622 T = -15.03% R = -13.80% Alliance Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.802253 84.72959 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.67499 846.7499 0.912 FORMULA: 1000*(1+T)= 846.7499 = 846.7498511 T = -16.68% R = -15.33% Alliance Growth and Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.600293 116.27511 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 116.22051 1162.2051 0.912 FORMULA: 1000*(1+T)= 1162.2051 = 1162.205083 T = 17.92% R = 16.22% Aim Cap App 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.209539 89.20973 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 89.15513 891.5513 0.912 FORMULA: 1000*(1+T)= 891.5513 = 891.5513467 T = -11.83% R = -10.84% Aim Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.800415 78.12247 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 78.06787 780.6787 0.912 FORMULA: 1000*(1+T)= 780.6787 = 780.6786712 T = -23.78% R = -21.93% Aim Value 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.949308 77.22420 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 77.16960 771.6960 0.912 FORMULA: 1000*(1+T)= 771.6960 = 771.696038 T = -24.74% R = -22.83% Putnam International Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 10.701549 93.44442 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 93.38982 933.8982 0.912 FORMULA: 1000*(1+T)= 933.8982 = 933.8981632 T = -7.23% R = -6.61% Putnam Voyager 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.821963 84.58832 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.53372 845.3372 0.912 FORMULA: 1000*(1+T)= 845.3372 = 845.3372091 T = -16.83% R = -15.47% Putnam Growth & Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 9.105947 109.81834 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 109.76374 1097.6374 0.912 FORMULA: 1000*(1+T)= 1097.6374 = 1097.637418 T = 10.76% R = 9.76% MSDW Mid Cap 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.858029 112.89193 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 112.83733 1128.3733 0.912 FORMULA: 1000*(1+T)= 1128.3733 = 1128.373312 T = 14.16% R = 12.84% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.768677 92.86192 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.80732 928.0732 0.145 FORMULA: 1000*(1+T)= 928.0732 = 928.0731795 T = -40.21% R = -7.19% Alliance Premier Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.229852 81.76714 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.71254 817.1254 1.000 FORMULA: 1000*(1+T)= 817.1254 - (0.85 * 1000 * 0) = 817.1254 T = -18.29% R = -18.29% Alliance Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.392624 80.69316 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.63856 806.3856 1.000 FORMULA: 1000*(1+T)= 806.3856 - (0.85 * 1000 * 0) = 806.3856 T = -19.36% R = -19.36% Alliance Growth and Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 8.971918 111.45889 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.40429 1114.0429 1.000 FORMULA: 1000*(1+T)= 1114.0429 - (0.85 * 1000 * 0) = 1114.0429 T = 11.40% R = 11.40% Aim Cap App 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.423438 87.53932 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.48472 874.8472 1.000 FORMULA: 1000*(1+T)= 874.8472 - (0.85 * 1000 * 0) = 874.8472 T = -12.52% R = -12.52% Aim Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.800415 78.12247 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.06787 780.6787 1.000 FORMULA: 1000*(1+T)= 780.6787 - (0.85 * 1000 * 0) = 780.6787 T = -21.93% R = -21.93% Aim Value 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 13.295832 75.21154 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.15694 751.5694 1.000 FORMULA: 1000*(1+T)= 751.5694 - (0.85 * 1000 * 0) = 751.5694 T = -24.84% R = -24.84% Putnam International Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.253751 88.85926 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.80466 888.0466 1.000 FORMULA: 1000*(1+T)= 888.0466 - (0.85 * 1000 * 0) = 888.0466 T = -11.20% R = -11.20% Putnam Voyager 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.193841 82.00861 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.95401 819.5401 1.000 FORMULA: 1000*(1+T)= 819.5401 - (0.85 * 1000 * 0) = 819.5401 T = -18.05% R = -18.05% Putnam Growth & Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.429846 106.04627 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 105.99167 1059.9167 1.000 FORMULA: 1000*(1+T)= 1059.9167 - (0.85 * 1000 * 0) = 1059.9167 T = 5.99% R = 5.99% MSDW Mid Cap 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.189449 108.82045 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.76585 1087.6585 1.000 FORMULA: 1000*(1+T)= 1087.6585 - (0.85 * 1000 * 0) = 1087.6585 T = 8.77% R = 8.77% Alliance Premier Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 #VALUE! #VALUE! FEE 29-Dec-98 0.546 #VALUE! #VALUE! FEE 29-Dec-99 0.546 12.109929 0.04509 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Alliance Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.599312 217.42382 FEE 29-Dec-96 0.546 5.848277 0.09336 FEE 29-Dec-97 0.546 7.231877 0.07550 FEE 29-Dec-98 0.546 9.322279 0.05857 FEE 29-Dec-99 0.546 12.187187 0.04480 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 217.09699 2170.9699 5.000 FORMULA: 1000*(1+T)= 2170.9699 - (0.85 * 1000 * 0) = 2170.96993 T = 16.77% R = 117.10% Alliance Growth and Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.475049 223.46124 FEE 29-Dec-96 0.546 5.515809 0.09899 FEE 29-Dec-97 0.546 6.751667 0.08087 FEE 29-Dec-98 0.546 8.155263 0.06695 FEE 29-Dec-99 0.546 8.869834 0.06156 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 223.09828 2230.9828 5.000 FORMULA: 1000*(1+T)= 2230.9828 - (0.85 * 1000 * 0) = 2230.982756 T = 17.41% R = 123.10% Aim Cap App 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.323253 187.85506 FEE 29-Dec-96 0.546 6.156962 0.08868 FEE 29-Dec-97 0.546 6.626488 0.08240 FEE 29-Dec-98 0.546 7.839182 0.06965 FEE 29-Dec-99 0.546 11.294134 0.04834 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 187.51139 1875.1139 5.000 FORMULA: 1000*(1+T)= 1875.1139 - (0.85 * 1000 * 0) = 1875.113873 T = 13.40% R = 87.51% Aim Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.053933 197.86570 FEE 29-Dec-96 0.546 5.915592 0.09230 FEE 29-Dec-97 0.546 7.143249 0.07644 FEE 29-Dec-98 0.546 9.576139 0.05702 FEE 29-Dec-99 0.546 12.713280 0.04295 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 197.54240 1975.4240 5.000 FORMULA: 1000*(1+T)= 1975.4240 - (0.85 * 1000 * 0) = 1975.424036 T = 14.59% R = 97.54% Aim Value 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.830108 171.52341 FEE 29-Dec-96 0.546 6.620050 0.08248 FEE 29-Dec-97 0.546 7.885062 0.06924 FEE 29-Dec-98 0.546 10.411978 0.05244 FEE 29-Dec-99 0.546 13.183503 0.04142 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 171.22323 1712.2323 5.000 FORMULA: 1000*(1+T)= 1712.2323 - (0.85 * 1000 * 0) = 1712.232326 T = 11.36% R = 71.22% Putnam International Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.100663 0.08950 FEE 29-Dec-98 0.546 7.147031 0.07640 FEE 29-Dec-99 0.546 11.046600 0.04943 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.679875 213.68092 FEE 29-Dec-96 0.546 5.196611 0.10507 FEE 29-Dec-97 0.546 6.246189 0.08741 FEE 29-Dec-98 0.546 7.722679 0.07070 FEE 29-Dec-99 0.546 12.041907 0.04534 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 213.31780 2133.1780 5.000 FORMULA: 1000*(1+T)= 2133.1780 - (0.85 * 1000 * 0) = 2133.177967 T = 16.36% R = 113.32% Putnam Growth & Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.733133 174.42470 FEE 29-Dec-96 0.546 6.966790 0.07837 FEE 29-Dec-97 0.546 8.210120 0.06650 FEE 29-Dec-98 0.546 9.552516 0.05716 FEE 29-Dec-99 0.546 9.384924 0.05818 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 174.10989 1741.0989 5.000 FORMULA: 1000*(1+T)= 1741.0989 - (0.85 * 1000 * 0) = 1741.098881 T = 11.73% R = 74.11% MSDW Mid Cap 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.785868 0.08046 FEE 29-Dec-98 0.546 7.495737 0.07284 FEE 29-Dec-99 0.546 9.096195 0.06003 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 1.893188 528.20956 FEE 31-Dec-91 0.546 2.713315 0.20123 FEE 31-Dec-92 0.546 2.937595 0.18587 FEE 31-Dec-93 0.546 3.420798 0.15961 FEE 31-Dec-94 0.546 3.390737 0.16103 FEE 31-Dec-95 0.546 4.679384 0.11668 FEE 31-Dec-96 0.546 5.185958 0.10528 FEE 31-Dec-97 0.546 6.436598 0.08483 FEE 31-Dec-98 0.546 7.853952 0.06952 FEE 31-Dec-99 0.546 12.193841 0.04478 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 527.02614 5270.2614 10.000 FORMULA: 1000*(1+T)= 5270.2614 - (0.85 * 1000 * 0) = 5270.261351 T = 18.08% R = 427.03% Putnam Growth & Income 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 3.080072 324.66774 FEE 31-Dec-91 0.546 3.597159 0.15179 FEE 31-Dec-92 0.546 3.873094 0.14097 FEE 31-Dec-93 0.546 4.341656 0.12576 FEE 31-Dec-94 0.546 4.274145 0.12774 FEE 31-Dec-95 0.546 5.732531 0.09525 FEE 31-Dec-96 0.546 6.856448 0.07963 FEE 31-Dec-97 0.546 8.350804 0.06538 FEE 31-Dec-98 0.546 9.459460 0.05772 FEE 31-Dec-99 0.546 9.429846 0.05790 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 323.71099 3237.1099 10.000 FORMULA: 1000*(1+T)= 3237.1099 - (0.85 * 1000 * 0) = 3237.109896 T = 12.46% R = 223.71% Alliance Premier Growth 14-Jul-99 TO NO. YEARS 1.462 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jul-99 1000.00 10.902351 91.72334 1 FEE 14-Jul-00 0.546 13.232642 0.04126 0 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 91.62747 916.2747 1.462 FORMULA: 1000*(1+T)= 916.2747 = 916.2747404 T = -5.81% R = -8.37% Alliance Growth 15-Sep-94 TO NO. YEARS 6.289 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 15-Sep-94 1000.00 3.302860 302.76790 1 FEE 15-Sep-95 0.546 4.430873 0.12323 0 2 FEE 15-Sep-96 0.546 5.138716 0.10625 0 3 FEE 15-Sep-97 0.546 6.982729 0.07819 0 4 15-Sep-98 0.546 7.331708 0.07447 0 5 15-Sep-99 0.546 10.113046 0.05399 0 6 15-Sep-00 0.546 11.973396 0.04560 0 7 29-Dec-00 0.546 10.000000 0.05460 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 302.23157 3022.3157 6.289 FORMULA: 1000*(1+T)= 3022.3157 = 3022.315709 T = 19.23% R = 202.23% Alliance Growth and Income 14-Jan-91 TO NO. YEARS 9.958 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jan-91 1000.00 2.891680 345.81973 1 FEE 14-Jan-92 0.546 2.942653 0.18555 0 2 FEE 14-Jan-93 0.546 3.120808 0.17495 0 3 FEE 14-Jan-94 0.546 3.425208 0.15941 0 4 14-Jan-95 0.546 3.353464 0.16282 0 5 14-Jan-96 0.546 4.338490 0.12585 0 6 14-Jan-97 0.546 5.584680 0.09777 0 7 14-Jan-98 0.546 6.742981 0.08097 0 8 14-Jan-99 0.546 8.070160 0.06766 0 9 14-Jan-00 0.546 8.971918 0.06086 0 10 29-Dec-00 0.546 10.000000 0.05460 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 344.64930 3446.4930 9.958 FORMULA: 1000*(1+T)= 3446.4930 = 3446.493025 T = 13.23% R = 244.65% Aim Cap App 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.357509 297.83986 1 FEE 05-May-94 0.546 3.945078 0.13840 0 2 FEE 05-May-95 0.546 4.382740 0.12458 0 3 FEE 05-May-96 0.546 5.909045 0.09240 0 4 05-May-97 0.546 6.173157 0.08845 0 5 05-May-98 0.546 7.764371 0.07032 0 6 05-May-99 0.546 8.245900 0.06621 0 7 05-May-00 0.546 11.701554 0.04666 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 297.15823 2971.5823 7.652 FORMULA: 1000*(1+T)= 2971.5823 = 2971.582324 T = 15.29% R = 197.16% Aim Growth 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.642460 274.53973 1 FEE 05-May-94 0.546 3.813385 0.14318 0 2 FEE 05-May-95 0.546 4.247620 0.12854 0 3 FEE 05-May-96 0.546 5.344379 0.10216 0 4 05-May-97 0.546 6.268946 0.08710 0 5 05-May-98 0.546 8.411826 0.06491 0 6 05-May-99 0.546 10.261301 0.05321 0 7 05-May-00 0.546 14.395565 0.03793 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 273.86811 2738.6811 7.652 FORMULA: 1000*(1+T)= 2738.6811 = 2738.681057 T = 14.07% R = 173.87% Aim Value 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.754825 266.32400 1 FEE 05-May-94 0.546 4.346785 0.12561 0 2 FEE 05-May-95 0.546 4.897054 0.11150 0 3 FEE 05-May-96 0.546 5.878406 0.09288 0 4 05-May-97 0.546 7.047794 0.07747 0 5 05-May-98 0.546 9.035402 0.06043 0 6 05-May-99 0.546 11.315850 0.04825 0 7 05-May-00 0.546 14.418697 0.03787 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 265.71539 2657.1539 7.652 FORMULA: 1000*(1+T)= 2657.1539 = 2657.1539 T = 13.62% R = 165.72% Putnam International Growth 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.396463 185.30656 1 FEE 02-Jan-98 0.546 6.180068 0.08835 0 2 FEE 02-Jan-99 0.546 7.156935 0.07629 0 3 FEE 02-Jan-00 0.546 11.440597 0.04772 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 185.03960 1850.3960 3.989 FORMULA: 1000*(1+T)= 1850.3960 = 1850.39598 T = 16.68% R = 85.04% Putnam Voyager 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 1.498555 667.30951 1 FEE 01-Feb-89 0.546 1.608286 0.33949 0 2 FEE 01-Feb-90 0.546 1.748646 0.31224 0 3 FEE 01-Feb-91 0.546 2.016212 0.27080 0 4 01-Feb-92 0.546 2.714949 0.20111 0 5 01-Feb-93 0.546 2.958620 0.18455 0 6 01-Feb-94 0.546 3.488206 0.15653 0 7 01-Feb-95 0.546 3.418591 0.15971 0 8 01-Feb-96 0.546 4.755792 0.11481 0 9 01-Feb-97 0.546 5.409908 0.10093 0 10 01-Feb-98 0.546 6.412990 0.08514 0 11 01-Feb-99 0.546 8.203020 0.06656 0 12 01-Feb-00 0.546 12.084758 0.04518 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 665.21786 6652.1786 12.909 FORMULA: 1000*(1+T)= 6652.1786 = 6652.178585 T = 15.81% R = 565.22% Putnam Growth & Income 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 2.194232 455.74032 1 FEE 01-Feb-89 0.546 2.720918 0.20067 0 2 FEE 01-Feb-90 0.546 2.954854 0.18478 0 3 FEE 01-Feb-91 0.546 3.190981 0.17111 0 4 01-Feb-92 0.546 3.607724 0.15134 0 5 01-Feb-93 0.546 3.920000 0.13929 0 6 01-Feb-94 0.546 4.456582 0.12252 0 7 01-Feb-95 0.546 4.373397 0.12485 0 8 01-Feb-96 0.546 5.872222 0.09298 0 9 01-Feb-97 0.546 7.135177 0.07652 0 10 01-Feb-98 0.546 8.366696 0.06526 0 11 01-Feb-99 0.546 9.507252 0.05743 0 12 01-Feb-00 0.546 9.105508 0.05996 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 454.23902 4542.3902 12.909 FORMULA: 1000*(1+T)= 4542.3902 = 4542.390238 T = 12.44% R = 354.24% MSDW Mid Cap 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.051490 197.96139 1 FEE 02-Jan-98 0.546 6.963103 0.07841 0 2 FEE 02-Jan-99 0.546 7.718926 0.07074 0 3 FEE 02-Jan-00 0.546 9.189449 0.05942 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 197.69823 1976.9823 3.989 FORMULA: 1000*(1+T)= 1976.9823 = 1976.982291 T = 18.63% R = 97.70% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.768677 92.86192 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.80732 928.0732 0.145 FORMULA: 1000*(1+T)= 928.0732 = 928.0731795 T = -40.21% R = -7.19%
Non-Standardized Calculations Dates: Current: 12/29/00 3 Months Ago: 09/29/00 End of Last Year: 12/31/99 One Yr Ago: 12/31/99 Two Yrs Ago: 12/31/98 Non-Standardized Performance Three Yrs Ago: 12/31/97 Five Yrs Ago: 12/29/95 Ten Yrs Ago: 12/31/90 Inception Inception Ten Yr Five Yr Fund ................................ Date AUV AUV Alliance Premier Growth ............. 01/31/00 11.59403 N/A N/A Alliance Growth ..................... 01/31/00 11.802253 N/A N/A Alliance Growth and Income .......... 01/31/00 8.600293 N/A N/A Aim Cap App ......................... 01/31/00 11.209539 N/A N/A Aim Growth .......................... 01/31/00 12.800415 N/A N/A Aim Value ........................... 01/31/00 12.949308 N/A N/A Putnam International Growth 01/31/00 10.701549 N/A N/A Putnam Voyager ...................... 01/31/00 11.821963 N/A N/A Putnam Growth & Income .............. 01/31/00 9.105947 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.858029 N/A N/A Information Portfolio ............... 11/06/00 10.768677 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.75% -14.97% N/A Alliance Growth ..................... N/A 10 10 -15.27% -16.61% N/A Alliance Growth and Income .......... N/A 10 10 16.28% 17.97% N/A Aim Cap App ......................... N/A 10 10 -10.79% -11.76% N/A Aim Growth .......................... N/A 10 10 -21.88% -23.71% N/A Aim Value ........................... N/A 10 10 -22.78% -24.67% N/A Putnam International Growth N/A 10 10 -6.56% -7.16% N/A Putnam Voyager ...................... N/A 10 10 -15.41% -16.76% N/A Putnam Growth & Income .............. N/A 10 10 9.82% 10.81% N/A MSDW Mid Cap ........................ N/A 10 10 12.89% 14.22% N/A Information Portfolio ............... N/A 10 10 -7.14% -39.95% N/A Inception Ten Years Five Years One Year Fund ................................ Average Total Average Total Alliance Premier Growth ............. N/A N/A N/A N/A Alliance Growth ..................... N/A N/A N/A N/A Alliance Growth and Income .......... N/A N/A N/A N/A Aim Cap App ......................... N/A N/A N/A N/A Aim Growth .......................... N/A N/A N/A N/A Aim Value ........................... N/A N/A N/A N/A Putnam International Growth N/A N/A N/A N/A Putnam Voyager ...................... N/A N/A N/A N/A Putnam Growth & Income .............. N/A N/A N/A N/A MSDW Mid Cap ........................ N/A N/A N/A N/A Information Portfolio ............... N/A N/A N/A N/A YTD Fund ................................ Average Alliance Premier Growth ............. 0.00% Alliance Growth ..................... 0.00% Alliance Growth and Income .......... 0.00% Aim Cap App ......................... 0.00% Aim Growth .......................... 0.00% Aim Value ........................... 0.00% Putnam International Growth 0.00% Putnam Voyager ...................... 0.00% Putnam Growth & Income .............. 0.00% MSDW Mid Cap ........................ 0.00% Information Portfolio ............... 0.00%
Alliance Premier Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.615534 86.09161 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 86.03701 860.3701 0.912 FORMULA: 1000*(1+T)= 860.3701 = 860.3700801 T = -15.21% R = -13.96% Alliance Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.824166 84.57256 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.51796 845.1796 0.912 FORMULA: 1000*(1+T)= 845.1796 = 845.1796097 T = -16.85% R = -15.48% Alliance Growth and Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.616225 116.06011 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 116.00551 1160.0551 0.912 FORMULA: 1000*(1+T)= 1160.0551 = 1160.055075 T = 17.69% R = 16.01% Aim Cap App 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.230357 89.04436 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 88.98976 889.8976 0.912 FORMULA: 1000*(1+T)= 889.8976 = 889.8976431 T = -12.01% R = -11.01% Aim Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.826395 77.96423 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 77.90963 779.0963 0.912 FORMULA: 1000*(1+T)= 779.0963 = 779.0962923 T = -23.95% R = -22.09% Aim Value 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 12.973349 77.08110 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 77.02650 770.2650 0.912 FORMULA: 1000*(1+T)= 770.2650 = 770.2649911 T = -24.90% R = -22.97% Putnam International Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 10.721411 93.27131 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 93.21671 932.1671 0.912 FORMULA: 1000*(1+T)= 932.1671 = 932.1670543 T = -7.42% R = -6.78% Putnam Voyager 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 11.843915 84.43154 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 84.37694 843.7694 0.912 FORMULA: 1000*(1+T)= 843.7694 = 843.7694143 T = -17.00% R = -15.62% Putnam Growth & Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 9.122820 109.61523 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 109.56063 1095.6063 0.912 FORMULA: 1000*(1+T)= 1095.6063 = 1095.606286 T = 10.53% R = 9.56% MSDW Mid Cap 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 31-Jan-00 1000.00 8.874457 112.68295 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 112.62835 1126.2835 0.912 FORMULA: 1000*(1+T)= 1126.2835 = 1126.283506 T = 13.93% R = 12.63% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.771863 92.83445 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.77985 927.7985 0.145 FORMULA: 1000*(1+T)= 927.7985 = 927.7985213 T = -40.34% R = -7.22% Alliance Premier Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.254763 81.60093 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.54633 815.4633 1.000 FORMULA: 1000*(1+T)= 815.4633 - (0.85 * 1000 * 0) = 815.4633 T = -18.45% R = -18.45% Alliance Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.417880 80.52904 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.47444 804.7444 1.000 FORMULA: 1000*(1+T)= 804.7444 - (0.85 * 1000 * 0) = 804.7444 T = -19.53% R = -19.53% Alliance Growth and Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 8.990154 111.23280 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.17820 1111.7820 1.000 FORMULA: 1000*(1+T)= 1111.7820 - (0.85 * 1000 * 0) = 1111.7820 T = 11.18% R = 11.18% Aim Cap App 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.446632 87.36194 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.30734 873.0734 1.000 FORMULA: 1000*(1+T)= 873.0734 - (0.85 * 1000 * 0) = 873.0734 T = -12.69% R = -12.69% Aim Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.826395 77.96423 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 77.90963 779.0963 1.000 FORMULA: 1000*(1+T)= 779.0963 - (0.85 * 1000 * 0) = 779.0963 T = -22.09% R = -22.09% Aim Value 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 13.322817 75.05920 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.00460 750.0460 1.000 FORMULA: 1000*(1+T)= 750.0460 - (0.85 * 1000 * 0) = 750.0460 T = -25.00% R = -25.00% Putnam International Growth 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 11.276590 88.67929 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.62469 886.2469 1.000 FORMULA: 1000*(1+T)= 886.2469 - (0.85 * 1000 * 0) = 886.2469 T = -11.38% R = -11.38% Putnam Voyager 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 12.218598 81.84245 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.78785 817.8785 1.000 FORMULA: 1000*(1+T)= 817.8785 - (0.85 * 1000 * 0) = 817.8785 T = -18.21% R = -18.21% Putnam Growth & Income 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.448956 105.83180 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 105.77720 1057.7720 1.000 FORMULA: 1000*(1+T)= 1057.7720 - (0.85 * 1000 * 0) = 1057.7720 T = 5.78% R = 5.78% MSDW Mid Cap 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-99 1000.00 9.208138 108.59959 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.54499 1085.4499 1.000 FORMULA: 1000*(1+T)= 1085.4499 - (0.85 * 1000 * 0) = 1085.4499 T = 8.54% R = 8.54% Alliance Premier Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 #VALUE! #VALUE! FEE 29-Dec-98 0.546 #VALUE! #VALUE! FEE 29-Dec-99 0.546 12.134731 0.04499 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Alliance Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.646421 215.21941 FEE 29-Dec-96 0.546 5.896179 0.09260 FEE 29-Dec-97 0.546 7.276273 0.07504 FEE 29-Dec-98 0.546 9.360422 0.05833 FEE 29-Dec-99 0.546 12.212159 0.04471 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 214.89413 2148.9413 5.000 FORMULA: 1000*(1+T)= 2148.9413 - (0.85 * 1000 * 0) = 2148.94132 T = 16.53% R = 114.89% Alliance Growth and Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.520875 221.19612 FEE 29-Dec-96 0.546 5.560954 0.09818 FEE 29-Dec-97 0.546 6.793075 0.08038 FEE 29-Dec-98 0.546 8.188585 0.06668 FEE 29-Dec-99 0.546 8.887962 0.06143 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 220.83485 2208.3485 5.000 FORMULA: 1000*(1+T)= 2208.3485 - (0.85 * 1000 * 0) = 2208.348479 T = 17.17% R = 120.83% Aim Cap App 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.377744 185.95158 FEE 29-Dec-96 0.546 6.207346 0.08796 FEE 29-Dec-97 0.546 6.667106 0.08189 FEE 29-Dec-98 0.546 7.871190 0.06937 FEE 29-Dec-99 0.546 11.317191 0.04825 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 185.60951 1856.0951 5.000 FORMULA: 1000*(1+T)= 1856.0951 - (0.85 * 1000 * 0) = 1856.095142 T = 13.17% R = 85.61% Aim Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.105653 195.86133 FEE 29-Dec-96 0.546 5.963968 0.09155 FEE 29-Dec-97 0.546 7.187022 0.07597 FEE 29-Dec-98 0.546 9.615240 0.05678 FEE 29-Dec-99 0.546 12.739226 0.04286 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 195.53957 1955.3957 5.000 FORMULA: 1000*(1+T)= 1955.3957 - (0.85 * 1000 * 0) = 1955.395679 T = 14.35% R = 95.54% Aim Value 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.889768 169.78597 FEE 29-Dec-96 0.546 6.674197 0.08181 FEE 29-Dec-97 0.546 7.933387 0.06882 FEE 29-Dec-98 0.546 10.454486 0.05223 FEE 29-Dec-99 0.546 13.210406 0.04133 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 169.48719 1694.8719 5.000 FORMULA: 1000*(1+T)= 1694.8719 - (0.85 * 1000 * 0) = 1694.871865 T = 11.13% R = 69.49% Putnam International Growth 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.137993 0.08895 FEE 29-Dec-98 0.546 7.176153 0.07609 FEE 29-Dec-99 0.546 11.069141 0.04933 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 4.727762 211.51657 FEE 29-Dec-96 0.546 5.239163 0.10422 FEE 29-Dec-97 0.546 6.284450 0.08688 FEE 29-Dec-98 0.546 7.754181 0.07041 FEE 29-Dec-99 0.546 12.066489 0.04525 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 211.15521 2111.5521 5.000 FORMULA: 1000*(1+T)= 2111.5521 - (0.85 * 1000 * 0) = 2111.552104 T = 16.12% R = 111.16% Putnam Growth & Income 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 5.791821 172.65727 FEE 29-Dec-96 0.546 7.023858 0.07774 FEE 29-Dec-97 0.546 8.260447 0.06610 FEE 29-Dec-98 0.546 9.591516 0.05693 FEE 29-Dec-99 0.546 9.404048 0.05806 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 172.34385 1723.4385 5.000 FORMULA: 1000*(1+T)= 1723.4385 - (0.85 * 1000 * 0) = 1723.43851 T = 11.50% R = 72.34% MSDW Mid Cap 29-Dec-95 TO NO. YEARS 5.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-95 1000.00 #VALUE! #VALUE! FEE 29-Dec-96 0.546 #VALUE! #VALUE! FEE 29-Dec-97 0.546 6.827495 0.07997 FEE 29-Dec-98 0.546 7.526380 0.07254 FEE 29-Dec-99 0.546 9.114794 0.05990 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 #VALUE! #VALUE! 5.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0) = #VALUE! T = N/A R = N/A Putnam Voyager 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 1.932127 517.56432 FEE 31-Dec-91 0.546 2.763493 0.19758 FEE 31-Dec-92 0.546 2.985823 0.18286 FEE 31-Dec-93 0.546 3.469878 0.15735 FEE 31-Dec-94 0.546 3.432388 0.15907 FEE 31-Dec-95 0.546 4.727213 0.11550 FEE 31-Dec-96 0.546 5.228307 0.10443 FEE 31-Dec-97 0.546 6.475955 0.08431 FEE 31-Dec-98 0.546 7.885902 0.06924 FEE 31-Dec-99 0.546 12.218598 0.04469 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 516.39469 5163.9469 10.000 FORMULA: 1000*(1+T)= 5163.9469 - (0.85 * 1000 * 0) = 5163.946859 T = 17.84% R = 416.39% Putnam Growth & Income 29-Dec-90 TO NO. YEARS 10.000 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 31-Dec-90 1000.00 3.143413 318.12555 FEE 31-Dec-91 0.546 3.663654 0.14903 FEE 31-Dec-92 0.546 3.936670 0.13870 FEE 31-Dec-93 0.546 4.403946 0.12398 FEE 31-Dec-94 0.546 4.326644 0.12619 FEE 31-Dec-95 0.546 5.791148 0.09428 FEE 31-Dec-96 0.546 6.912457 0.07899 FEE 31-Dec-97 0.546 8.401901 0.06499 FEE 31-Dec-98 0.546 9.497975 0.05749 FEE 31-Dec-99 0.546 9.448956 0.05778 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 317.17953 3171.7953 10.000 FORMULA: 1000*(1+T)= 3171.7953 - (0.85 * 1000 * 0) = 3171.795263 T = 12.24% R = 217.18% Alliance Premier Growth 14-Jul-99 TO NO. YEARS 1.462 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jul-99 1000.00 10.934919 91.45015 1 FEE 14-Jul-00 0.546 13.245054 0.04122 0 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 91.35433 913.5433 1.462 FORMULA: 1000*(1+T)= 913.5433 = 913.5432864 T = -6.00% R = -8.65% Alliance Growth 15-Sep-94 TO NO. YEARS 6.289 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 15-Sep-94 1000.00 3.345284 298.92828 1 FEE 15-Sep-95 0.546 4.479239 0.12190 0 2 FEE 15-Sep-96 0.546 5.183829 0.10533 0 3 FEE 15-Sep-97 0.546 7.029712 0.07767 0 4 15-Sep-98 0.546 7.366013 0.07412 0 5 15-Sep-99 0.546 10.139695 0.05385 0 6 15-Sep-00 0.546 11.980414 0.04557 0 7 29-Dec-00 0.546 10.000000 0.05460 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 298.39524 2983.9524 6.289 FORMULA: 1000*(1+T)= 2983.9524 = 2983.952424 T = 18.99% R = 198.40% Alliance Growth and Income 14-Jan-91 TO NO. YEARS 9.958 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 14-Jan-91 1000.00 2.950707 338.90183 1 FEE 14-Jan-92 0.546 2.996858 0.18219 0 2 FEE 14-Jan-93 0.546 3.171860 0.17214 0 3 FEE 14-Jan-94 0.546 3.474205 0.15716 0 4 14-Jan-95 0.546 3.394515 0.16085 0 5 14-Jan-96 0.546 4.382525 0.12459 0 6 14-Jan-97 0.546 5.629886 0.09698 0 7 14-Jan-98 0.546 6.783731 0.08049 0 8 14-Jan-99 0.546 8.102412 0.06739 0 9 14-Jan-00 0.546 8.990154 0.06073 0 10 29-Dec-00 0.546 10.000000 0.05460 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 337.74472 3377.4472 9.958 FORMULA: 1000*(1+T)= 3377.4472 = 3377.447185 T = 13.00% R = 237.74% Aim Cap App 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.410251 293.23355 1 FEE 05-May-94 0.546 3.998900 0.13654 0 2 FEE 05-May-95 0.546 4.433494 0.12315 0 3 FEE 05-May-96 0.546 5.965296 0.09153 0 4 05-May-97 0.546 6.219263 0.08779 0 5 05-May-98 0.546 7.806433 0.06994 0 6 05-May-99 0.546 8.273698 0.06599 0 7 05-May-00 0.546 11.717091 0.04660 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 292.55740 2925.5740 7.652 FORMULA: 1000*(1+T)= 2925.5740 = 2925.574026 T = 15.06% R = 192.56% Aim Growth 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.699642 270.29642 1 FEE 05-May-94 0.546 3.865370 0.14125 0 2 FEE 05-May-95 0.546 4.296787 0.12707 0 3 FEE 05-May-96 0.546 5.395233 0.10120 0 4 05-May-97 0.546 6.315742 0.08645 0 5 05-May-98 0.546 8.457387 0.06456 0 6 05-May-99 0.546 10.295893 0.05303 0 7 05-May-00 0.546 14.417482 0.03787 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 269.63039 2696.3039 7.652 FORMULA: 1000*(1+T)= 2696.3039 = 2696.303857 T = 13.84% R = 169.63% Aim Value 05-May-93 TO NO. YEARS 7.652 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 05-May-93 1000.00 3.813790 262.20636 1 FEE 05-May-94 0.546 4.406058 0.12392 0 2 FEE 05-May-95 0.546 4.953736 0.11022 0 3 FEE 05-May-96 0.546 5.934339 0.09201 0 4 05-May-97 0.546 7.100409 0.07690 0 5 05-May-98 0.546 9.084342 0.06010 0 6 05-May-99 0.546 11.354000 0.04809 0 7 05-May-00 0.546 14.440651 0.03781 0 8 29-Dec-00 0.546 10.000000 0.05460 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 261.60272 2616.0272 7.652 FORMULA: 1000*(1+T)= 2616.0272 = 2616.027155 T = 13.39% R = 161.60% Putnam International Growth 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.440424 183.80920 1 FEE 02-Jan-98 0.546 6.217746 0.08781 0 2 FEE 02-Jan-99 0.546 7.186018 0.07598 0 3 FEE 02-Jan-00 0.546 11.463753 0.04763 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 183.54318 1835.4318 3.989 FORMULA: 1000*(1+T)= 1835.4318 = 1835.431807 T = 16.44% R = 83.54% Putnam Voyager 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 1.538454 650.00319 1 FEE 01-Feb-89 0.546 1.647770 0.33136 0 2 FEE 01-Feb-90 0.546 1.787923 0.30538 0 3 FEE 01-Feb-91 0.546 2.057315 0.26539 0 4 01-Feb-92 0.546 2.764680 0.19749 0 5 01-Feb-93 0.546 3.006658 0.18160 0 6 01-Feb-94 0.546 3.537624 0.15434 0 7 01-Feb-95 0.546 3.459961 0.15781 0 8 01-Feb-96 0.546 4.803548 0.11367 0 9 01-Feb-97 0.546 5.453144 0.10013 0 10 01-Feb-98 0.546 6.451091 0.08464 0 11 01-Feb-99 0.546 8.234921 0.06630 0 12 01-Feb-00 0.546 12.107132 0.04510 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 647.94539 6479.4539 12.909 FORMULA: 1000*(1+T)= 6479.4539 = 6479.453881 T = 15.58% R = 547.95% Putnam Growth & Income 01-Feb-88 TO NO. YEARS 12.909 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 01-Feb-88 1000.00 2.252684 443.91490 1 FEE 01-Feb-89 0.546 2.787705 0.19586 0 2 FEE 01-Feb-90 0.546 3.021220 0.18072 0 3 FEE 01-Feb-91 0.546 3.256018 0.16769 0 4 01-Feb-92 0.546 3.673779 0.14862 0 5 01-Feb-93 0.546 3.983636 0.13706 0 6 01-Feb-94 0.546 4.519713 0.12080 0 7 01-Feb-95 0.546 4.426326 0.12335 0 8 01-Feb-96 0.546 5.931210 0.09206 0 9 01-Feb-97 0.546 7.192219 0.07592 0 10 01-Feb-98 0.546 8.416437 0.06487 0 11 01-Feb-99 0.546 9.544256 0.05721 0 12 01-Feb-00 0.546 9.122329 0.05985 0 13 29-Dec-00 0.546 10.000000 0.05460 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 442.43629 4424.3629 12.909 FORMULA: 1000*(1+T)= 4424.3629 = 4424.362894 T = 12.21% R = 342.44% MSDW Mid Cap 02-Jan-97 TO NO. YEARS 3.989 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 02-Jan-97 1000.00 5.092723 196.35861 1 FEE 02-Jan-98 0.546 7.005661 0.07794 0 2 FEE 02-Jan-99 0.546 7.750353 0.07045 0 3 FEE 02-Jan-00 0.546 9.208138 0.05930 0 4 29-Dec-00 0.546 10.000000 0.05460 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 196.09633 1960.9633 3.989 FORMULA: 1000*(1+T)= 1960.9633 = 1960.963274 T = 18.39% R = 96.10% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.771863 92.83445 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0 2 FEE N/A 0 N/A 0.00000 0 3 FEE N/A 0 N/A 0.00000 0 4 N/A 0 N/A 0.00000 0 5 N/A 0 N/A 0.00000 0 6 N/A 0 N/A 0.00000 0 7 N/A 0 N/A 0.00000 0 8 N/A 0 N/A 0.00000 0 9 N/A 0 N/A 0.00000 0 10 N/A 0 N/A 0.00000 0 11 N/A 0 N/A 0.00000 0 12 N/A 0 N/A 0.00000 0 13 N/A 0 N/A 0.00000 0 14 FEE N/A 0 N/A 0.00000 0 15 FEE N/A 0 N/A 0.00000 0 RESULTING VALUE 29-Dec-00 10.000000 92.77985 927.7985 0.145 FORMULA: 1000*(1+T)= 927.7985 = 927.7985213 T = -40.34% R = -7.22%
Non-Standardized Calculations Dates: Current: 12/29/00 3 Months Ago: 09/29/00 End of Last Year: 12/31/99 One Yr Ago: 12/31/99 Two Yrs Ago: 12/31/98 Non-Standardized Performance Three Yrs Ago: 12/31/97 Five Yrs Ago: 12/29/95 Ten Yrs Ago: 12/31/90 Inception Inception Ten Yr Five Yr Fund ................................ Date AUV AUV Alliance Premier Growth ............. 01/31/00 11.615534 N/A N/A Alliance Growth ..................... 01/31/00 11.824166 N/A N/A Alliance Growth and Income .......... 01/31/00 8.616225 N/A N/A Aim Cap App ......................... 01/31/00 11.230357 N/A N/A Aim Growth .......................... 01/31/00 12.826395 N/A N/A Aim Value ........................... 01/31/00 12.973349 N/A N/A Putnam International Growth 01/31/00 10.721411 N/A N/A Putnam Voyager ...................... 01/31/00 11.843915 N/A N/A Putnam Growth & Income .............. 01/31/00 9.12282 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.874457 N/A N/A Information Portfolio ............... 11/06/00 10.771863 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.91% -15.14% N/A Alliance Growth ..................... N/A 10 10 -15.43% -16.78% N/A Alliance Growth and Income .......... N/A 10 10 16.06% 17.73% N/A Aim Cap App ......................... N/A 10 10 -10.96% -11.94% N/A Aim Growth .......................... N/A 10 10 -22.04% -23.88% N/A Aim Value ........................... N/A 10 10 -22.92% -24.82% N/A Putnam International Growth N/A 10 10 -6.73% -7.35% N/A Putnam Voyager ...................... N/A 10 10 -15.57% -16.93% N/A Putnam Growth & Income .............. N/A 10 10 9.62% 10.59% N/A MSDW Mid Cap ........................ N/A 10 10 12.68% 13.98% N/A Information Portfolio ............... N/A 10 10 -7.17% -40.07% N/A Inception Ten Years Five Years One Year Fund ................................ Average Total Average Total Alliance Premier Growth ............. N/A N/A N/A N/A Alliance Growth ..................... N/A N/A N/A N/A Alliance Growth and Income .......... N/A N/A N/A N/A Aim Cap App ......................... N/A N/A N/A N/A Aim Growth .......................... N/A N/A N/A N/A Aim Value ........................... N/A N/A N/A N/A Putnam International Growth N/A N/A N/A N/A Putnam Voyager ...................... N/A N/A N/A N/A Putnam Growth & Income .............. N/A N/A N/A N/A MSDW Mid Cap ........................ N/A N/A N/A N/A Information Portfolio ............... N/A N/A N/A N/A YTD Fund ................................ Average Alliance Premier Growth ............. 0.00% Alliance Growth ..................... 0.00% Alliance Growth and Income .......... 0.00% Aim Cap App ......................... 0.00% Aim Growth .......................... 0.00% Aim Value ........................... 0.00% Putnam International Growth 0.00% Putnam Voyager ...................... 0.00% Putnam Growth & Income .............. 0.00% MSDW Mid Cap ........................ 0.00% Information Portfolio ............... 0.00%