EX-13 3 va2amexh13.txt PERFORMANCE NLIC VA2
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 11.620928 86.05165 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 85.99705 859.9705 0.912 FORMULA: 1000*(1+T)= 859.9705 = 808.9704751 T = -20.75% R = -19.10% 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 11.829645 84.53339 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.47879 844.7879 0.912 FORMULA: 1000*(1+T)= 844.7879 = 793.7879048 T = -22.38% R = -20.62% 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 8.620221 116.00631 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 115.95171 1159.5171 0.912 FORMULA: 1000*(1+T)= 1159.5171 = 1108.517066 T = 11.96% R = 10.85% 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 11.235577 89.00299 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 88.94839 889.4839 0.912 FORMULA: 1000*(1+T)= 889.4839 = 838.4839468 T = -17.57% R = -16.15% 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 12.301283 81.29233 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 81.23773 812.3773 0.912 FORMULA: 1000*(1+T)= 812.3773 = 761.3773349 T = -25.85% R = -23.86% 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 12.979377 77.04530 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 76.99070 769.9070 0.912 FORMULA: 1000*(1+T)= 769.9070 = 718.907004 T = -30.37% R = -28.11% 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 10.726387 93.22804 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.17344 931.7344 0.912 FORMULA: 1000*(1+T)= 931.7344 = 880.7343662 T = -13.00% R = -11.93% 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 11.849412 84.39237 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.33777 843.3777 0.912 FORMULA: 1000*(1+T)= 843.3777 = 792.3777322 T = -22.53% R = -20.76% 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 9.127054 109.56438 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.50978 1095.0978 0.912 FORMULA: 1000*(1+T)= 1095.0978 = 1044.097786 T = 4.85% R = 4.41% 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 8.878588 112.63052 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 112.57592 1125.7592 0.912 FORMULA: 1000*(1+T)= 1125.7592 = 1074.759219 T = 8.23% R = 7.48% 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 10.772660 92.82758 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.77298 927.7298
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 AUV Alliance Premier Growth 01/31/00 11.620928 N/A N/A Alliance Growth 01/31/00 11.829645 N/A N/A Alliance Growth and Income 01/31/00 8.620221 N/A N/A Aim Cap App 01/31/00 11.235577 N/A N/A Aim Growth 01/31/00 12.301283 N/A N/A Aim Value 01/31/00 12.979377 N/A N/A Putnam International Growth 01/31/00 10.726387 N/A N/A Putnam Voyager 01/31/00 11.849412 N/A N/A Putnam Growth & Income 01/31/00 9.127054 N/A N/A MSDW Mid Cap 01/31/00 8.878588 N/A N/A Information Portfolio 11/06/00 10.77266 N/A N/A One Yr YTD Today's Inception Fund AUV AUV AUV Total Alliance Premier Growth N/A 10 10 -13.95% Alliance Growth N/A 10 10 -15.47% Alliance Growth and Income N/A 10 10 16.01% Aim Cap App N/A 10 10 -11.00% Aim Growth N/A 10 10 -18.71% Aim Value N/A 10 10 -22.95% Putnam International Growth N/A 10 10 -6.77% Putnam Voyager N/A 10 10 -15.61% Putnam Growth & Income N/A 10 10 9.56% MSDW Mid Cap N/A 10 10 12.63% Information Portfolio N/A 10 10 -7.17% Ten Years Five Years Fund Average Total Average Total Alliance Premier Growth -15.18% N/A N/A N/A N/A Alliance Growth -16.82% N/A N/A N/A N/A Alliance Growth and Income 17.67% N/A N/A N/A N/A Aim Cap App -11.99% N/A N/A N/A N/A Aim Growth -20.31% N/A N/A N/A N/A Aim Value -24.86% N/A N/A N/A N/A Putnam International Growth -7.40% N/A N/A N/A N/A Putnam Voyager -16.97% N/A N/A N/A N/A Putnam Growth & Income 10.53% N/A N/A N/A N/A MSDW Mid Cap 13.93% N/A N/A N/A N/A Information Portfolio -40.10% N/A N/A N/A N/A One Year YTD Fund Average Alliance Premier Growth N/A 0.00% Alliance Growth N/A 0.00% Alliance Growth and Income N/A 0.00% Aim Cap App N/A 0.00% Aim Growth N/A 0.00% Aim Value N/A 0.00% Putnam International Growth N/A 0.00% Putnam Voyager N/A 0.00% Putnam Growth & Income N/A 0.00% MSDW Mid Cap N/A 0.00% Information Portfolio N/A 0.00%
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 12.261011 81.55934 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.50474 815.0474 1.000 FORMULA: 1000*(1+T)= 815.0474 - (0.85 * 1000 * 0.05) = 772.5474 T = -22.75% R = -22.75% 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 12.424197 80.48810 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.43350 804.3350 1.000 FORMULA: 1000*(1+T)= 804.3350 - (0.85 * 1000 * 0.05) = 761.8350 T = -23.82% R = -23.82% 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 8.994728 111.17624 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.12164 1111.2164 1.000 FORMULA: 1000*(1+T)= 1111.2164 - (0.85 * 1000 * 0.05) = 1068.7164 T = 6.87% R = 6.87% 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 11.452445 87.31760 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.26300 872.6300 1.000 FORMULA: 1000*(1+T)= 872.6300 - (0.85 * 1000 * 0.05) = 830.1300 T = -16.99% R = -16.99% 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 12.832911 77.92464 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 77.87004 778.7004 1.000 FORMULA: 1000*(1+T)= 778.7004 - (0.85 * 1000 * 0.05) = 736.2004 T = -26.38% R = -26.38% 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 13.329585 75.02109 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 74.96649 749.6649 1.000 FORMULA: 1000*(1+T)= 749.6649 - (0.85 * 1000 * 0.05) = 707.1649 T = -29.28% R = -29.28% 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 11.282311 88.63432 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.57972 885.7972 1.000 FORMULA: 1000*(1+T)= 885.7972 - (0.85 * 1000 * 0.05) = 843.2972 T = -15.67% R = -15.67% 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 12.224795 81.80096 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.74636 817.4636 1.000 FORMULA: 1000*(1+T)= 817.4636 - (0.85 * 1000 * 0.05) = 774.9636 T = -22.50% R = -22.50% 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 9.453753 105.77810 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 105.72350 1057.2350 1.000 FORMULA: 1000*(1+T)= 1057.2350 - (0.85 * 1000 * 0.05) = 1014.7350 T = 1.47% R = 1.47% 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 9.212837 108.54420 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.48960 1084.8960 1.000 FORMULA: 1000*(1+T)= 1084.8960 - (0.85 * 1000 * 0.05) = 1042.3960 T = 4.24% R = 4.24% Information Portfolio 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-00 1000.00 10.000000 100.00000 FEE 00-Jan-00 0.546 #VALUE! #VALUE! RESULTING VALUE 00-Jan-00 #VALUE! #VALUE! #VALUE! 1.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05) = #VALUE! T = N/A R = N/A 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 12.140952 0.04497 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 * 0.02) = #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 4.658310 214.67013 FEE 29-Dec-96 0.546 5.908236 0.09241 FEE 29-Dec-97 0.546 7.287428 0.07492 FEE 29-Dec-98 0.546 9.369989 0.05827 FEE 29-Dec-99 0.546 12.218406 0.04469 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 214.34523 2143.4523 5.000 FORMULA: 1000*(1+T)= 2143.4523 - (0.85 * 1000 * 0.02) = 2126.452324 T = 16.29% R = 112.65% 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 4.532441 220.63166 FEE 29-Dec-96 0.546 5.572329 0.09798 FEE 29-Dec-97 0.546 6.803484 0.08025 FEE 29-Dec-98 0.546 8.196952 0.06661 FEE 29-Dec-99 0.546 8.892509 0.06140 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 220.27082 2202.7082 5.000 FORMULA: 1000*(1+T)= 2202.7082 - (0.85 * 1000 * 0.02) = 2185.708168 T = 16.93% R = 118.57% 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 5.391473 185.47807 FEE 29-Dec-96 0.546 6.220013 0.08778 FEE 29-Dec-97 0.546 6.677320 0.08177 FEE 29-Dec-98 0.546 7.879238 0.06930 FEE 29-Dec-99 0.546 11.322969 0.04822 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 185.13640 1851.3640 5.000 FORMULA: 1000*(1+T)= 1851.3640 - (0.85 * 1000 * 0.02) = 1834.364017 T = 12.90% R = 83.44% 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 5.118676 195.36302 FEE 29-Dec-96 0.546 5.976136 0.09136 FEE 29-Dec-97 0.546 7.198023 0.07585 FEE 29-Dec-98 0.546 9.625045 0.05673 FEE 29-Dec-99 0.546 12.745733 0.04284 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 195.04164 1950.4164 5.000 FORMULA: 1000*(1+T)= 1950.4164 - (0.85 * 1000 * 0.02) = 1933.416372 T = 14.09% R = 93.34% 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 5.904796 169.35386 FEE 29-Dec-96 0.546 6.687819 0.08164 FEE 29-Dec-97 0.546 7.945530 0.06872 FEE 29-Dec-98 0.546 10.465161 0.05217 FEE 29-Dec-99 0.546 13.217154 0.04131 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 169.05542 1690.5542 5.000 FORMULA: 1000*(1+T)= 1690.5542 - (0.85 * 1000 * 0.02) = 1673.554189 T = 10.85% R = 67.36% 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 6.147380 0.08882 FEE 29-Dec-98 0.546 7.183460 0.07601 FEE 29-Dec-99 0.546 11.074787 0.04930 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 * 0.02) = #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 4.739820 210.97848 FEE 29-Dec-96 0.546 5.249853 0.10400 FEE 29-Dec-97 0.546 6.294054 0.08675 FEE 29-Dec-98 0.546 7.762076 0.07034 FEE 29-Dec-99 0.546 12.072643 0.04523 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 210.61756 2106.1756 5.000 FORMULA: 1000*(1+T)= 2106.1756 - (0.85 * 1000 * 0.02) = 2089.175563 T = 15.88% R = 108.92% 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 5.806609 172.21755 FEE 29-Dec-96 0.546 7.038225 0.07758 FEE 29-Dec-97 0.546 8.273094 0.06600 FEE 29-Dec-98 0.546 9.601307 0.05687 FEE 29-Dec-99 0.546 9.408848 0.05803 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 171.90448 1719.0448 5.000 FORMULA: 1000*(1+T)= 1719.0448 - (0.85 * 1000 * 0.02) = 1702.04483 T = 11.22% R = 70.20% 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 6.837965 0.07985 FEE 29-Dec-98 0.546 7.534077 0.07247 FEE 29-Dec-99 0.546 9.119472 0.05987 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 * 0.02) = #VALUE! T = N/A R = N/A Information Portfolio 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 #VALUE! #VALUE! 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 * 0.02) = #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 1.941975 514.93969 FEE 31-Dec-91 0.546 2.776168 0.19667 FEE 31-Dec-92 0.546 2.997995 0.18212 FEE 31-Dec-93 0.546 3.482247 0.15680 FEE 31-Dec-94 0.546 3.442872 0.15859 FEE 31-Dec-95 0.546 4.739256 0.11521 FEE 31-Dec-96 0.546 5.238945 0.10422 FEE 31-Dec-97 0.546 6.485833 0.08418 FEE 31-Dec-98 0.546 7.893909 0.06917 FEE 31-Dec-99 0.546 12.224795 0.04466 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 513.77347 5137.7347 10.000 FORMULA: 1000*(1+T)= 5137.7347 - (0.85 * 1000 * 0) = 5137.734667 T = 17.78% R = 413.77% 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 3.159472 316.50858 FEE 31-Dec-91 0.546 3.680510 0.14835 FEE 31-Dec-92 0.546 3.952763 0.13813 FEE 31-Dec-93 0.546 4.419694 0.12354 FEE 31-Dec-94 0.546 4.339884 0.12581 FEE 31-Dec-95 0.546 5.805919 0.09404 FEE 31-Dec-96 0.546 6.926558 0.07883 FEE 31-Dec-97 0.546 8.414741 0.06489 FEE 31-Dec-98 0.546 9.507643 0.05743 FEE 31-Dec-99 0.546 9.453753 0.05775 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 315.56522 3155.6522 10.000 FORMULA: 1000*(1+T)= 3155.6522 - (0.85 * 1000 * 0) = 3155.652157 T = 12.18% R = 215.57% 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 10.943090 91.38187 1 FEE 14-Jul-00 0.546 13.248159 0.04121 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.28605 912.8605 1.462 FORMULA: 1000*(1+T)= 912.8605 = 870.3605419 T = -9.06% R = -12.96% 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 3.356002 297.97360 1 FEE 15-Sep-95 0.546 4.491447 0.12156 0.06 2 FEE 15-Sep-96 0.546 5.195190 0.10510 0.05 3 FEE 15-Sep-97 0.546 7.041523 0.07754 0.05 4 15-Sep-98 0.546 7.374623 0.07404 0.04 5 15-Sep-99 0.546 10.146372 0.05381 0.03 6 15-Sep-00 0.546 11.982168 0.04557 0.02 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 297.44138 2974.4138 6.289 FORMULA: 1000*(1+T)= 2974.4138 = 2974.413814 T = 18.93% R = 197.44% 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 2.965683 337.19045 1 FEE 14-Jan-92 0.546 3.010596 0.18136 0.06 2 FEE 14-Jan-93 0.546 3.184784 0.17144 0.05 3 FEE 14-Jan-94 0.546 3.486597 0.15660 0.05 4 14-Jan-95 0.546 3.404887 0.16036 0.04 5 14-Jan-96 0.546 4.393638 0.12427 0.03 6 14-Jan-97 0.546 5.641275 0.09679 0.02 7 14-Jan-98 0.546 6.793972 0.08037 0 8 14-Jan-99 0.546 8.110510 0.06732 0 9 14-Jan-00 0.546 8.994728 0.06070 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 336.03665 3360.3665 9.958 FORMULA: 1000*(1+T)= 3360.3665 = 3360.36653 T = 12.94% R = 236.04% 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 3.423578 292.09207 1 FEE 05-May-94 0.546 4.012475 0.13608 0.06 2 FEE 05-May-95 0.546 4.446283 0.12280 0.05 3 FEE 05-May-96 0.546 5.979451 0.09131 0.05 4 05-May-97 0.546 6.230849 0.08763 0.04 5 05-May-98 0.546 7.817013 0.06985 0.03 6 05-May-99 0.546 8.280678 0.06594 0.02 7 05-May-00 0.546 11.720984 0.04658 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 291.41729 2914.1729 7.652 FORMULA: 1000*(1+T)= 2914.1729 = 2914.17291 T = 15.00% R = 191.42% 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 3.714097 269.24445 1 FEE 05-May-94 0.546 3.878509 0.14078 0.06 2 FEE 05-May-95 0.546 4.309186 0.12671 0.05 3 FEE 05-May-96 0.546 5.408023 0.10096 0.05 4 05-May-97 0.546 6.327498 0.08629 0.04 5 05-May-98 0.546 8.468829 0.06447 0.03 6 05-May-99 0.546 10.304574 0.05299 0.02 7 05-May-00 0.546 13.293659 0.04107 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 268.57659 2685.7659 7.652 FORMULA: 1000*(1+T)= 2685.7659 = 2685.765859 T = 13.78% R = 168.58% 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 3.828699 261.18533 1 FEE 05-May-94 0.546 4.421029 0.12350 0.06 2 FEE 05-May-95 0.546 4.968028 0.10990 0.05 3 FEE 05-May-96 0.546 5.948410 0.09179 0.05 4 05-May-97 0.546 7.113639 0.07675 0.04 5 05-May-98 0.546 9.096635 0.06002 0.03 6 05-May-99 0.546 11.363579 0.04805 0.02 7 05-May-00 0.546 13.456362 0.04058 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 260.58013 2605.8013 7.652 FORMULA: 1000*(1+T)= 2605.8013 = 2605.801343 T = 13.33% R = 160.58% 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 5.451497 183.43585 1 FEE 02-Jan-98 0.546 6.227220 0.08768 0.06 2 FEE 02-Jan-99 0.546 7.193314 0.07590 0.05 3 FEE 02-Jan-00 0.546 11.469553 0.04760 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 183.17006 1831.7006 3.989 FORMULA: 1000*(1+T)= 1831.7006 = 1797.700649 T = 15.84% R = 79.77% 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 1.548593 645.74746 1 FEE 01-Feb-89 0.546 1.657781 0.32936 0.06 2 FEE 01-Feb-90 0.546 1.797869 0.30369 0.05 3 FEE 01-Feb-91 0.546 2.067708 0.26406 0.05 4 01-Feb-92 0.546 2.777240 0.19660 0.04 5 01-Feb-93 0.546 3.018780 0.18087 0.03 6 01-Feb-94 0.546 3.550075 0.15380 0.02 7 01-Feb-95 0.546 3.470380 0.15733 0 8 01-Feb-96 0.546 4.815570 0.11338 0 9 01-Feb-97 0.546 5.464003 0.09993 0 10 01-Feb-98 0.546 6.460649 0.08451 0 11 01-Feb-99 0.546 8.242916 0.06624 0 12 01-Feb-00 0.546 12.112735 0.04508 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 643.69802 6436.9802 12.909 FORMULA: 1000*(1+T)= 6436.9802 = 6436.980204 T = 15.52% R = 543.70% 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 2.267559 441.00286 1 FEE 01-Feb-89 0.546 2.804699 0.19467 0.06 2 FEE 01-Feb-90 0.546 3.038075 0.17972 0.05 3 FEE 01-Feb-91 0.546 3.272509 0.16684 0.05 4 01-Feb-92 0.546 3.690525 0.14795 0.04 5 01-Feb-93 0.546 3.999744 0.13651 0.03 6 01-Feb-94 0.546 4.535671 0.12038 0.02 7 01-Feb-95 0.546 4.439673 0.12298 0 8 01-Feb-96 0.546 5.946075 0.09183 0 9 01-Feb-97 0.546 7.206578 0.07576 0 10 01-Feb-98 0.546 8.428935 0.06478 0 11 01-Feb-99 0.546 9.553544 0.05715 0 12 01-Feb-00 0.546 9.126550 0.05983 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 439.52986 4395.2986 12.909 FORMULA: 1000*(1+T)= 4395.2986 = 4395.298617 T = 12.15% R = 339.53% 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 5.103105 195.95913 1 FEE 02-Jan-98 0.546 7.016367 0.07782 0.06 2 FEE 02-Jan-99 0.546 7.758247 0.07038 0.05 3 FEE 02-Jan-00 0.546 9.212837 0.05927 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 195.69707 1956.9707 3.989 FORMULA: 1000*(1+T)= 1956.9707 = 1922.970669 T = 17.81% R = 92.30% 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 10.772660 92.82758 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.77298 927.7298 0.145 FORMULA: 1000*(1+T)= 927.7298 = 876.729839 T = -59.61% R = -12.33%
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 11.604770 86.17146 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.11686 861.1686 0.912 FORMULA: 1000*(1+T)= 861.1686 = 810.1686225 T = -20.62% R = -18.98% 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 11.813199 84.65108 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.59648 845.9648 0.912 FORMULA: 1000*(1+T)= 845.9648 = 794.9647546 T = -22.25% R = -20.50% 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 8.608252 116.16760 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.11300 1161.1300 0.912 FORMULA: 1000*(1+T)= 1161.1300 = 1110.130029 T = 12.14% R = 11.01% 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 11.219942 89.12702 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.07242 890.7242 0.912 FORMULA: 1000*(1+T)= 890.7242 = 839.7242044 T = -17.44% R = -16.03% 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 12.284155 81.40568 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 81.35108 813.5108 0.912 FORMULA: 1000*(1+T)= 813.5108 = 762.5108073 T = -25.73% R = -23.75% 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 12.961312 77.15268 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.09808 770.9808 0.912 FORMULA: 1000*(1+T)= 770.9808 = 719.9808331 T = -30.26% R = -28.00% 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 10.711470 93.35787 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.30327 933.0327 0.912 FORMULA: 1000*(1+T)= 933.0327 = 882.0326778 T = -12.86% R = -11.80% 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 11.832934 84.50989 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.45529 844.5529 0.912 FORMULA: 1000*(1+T)= 844.5529 = 793.5529416 T = -22.40% R = -20.64% 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 9.114386 109.71666 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.66206 1096.6206 0.912 FORMULA: 1000*(1+T)= 1096.6206 = 1045.620611 T = 5.01% R = 4.56% 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 8.866231 112.78750 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 112.73290 1127.3290 0.912 FORMULA: 1000*(1+T)= 1127.3290 = 1076.328967 T = 8.40% R = 7.63% 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 10.770265 92.84823 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.79363 927.9363 0.145 FORMULA: 1000*(1+T)= 927.9363 = 876.9362611 T = -59.55% R = -12.31%
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 One Yr YTD Today's Inception Fund Date AUV AUV AUV AUV AUV AUV Total Alliance Premier Growth 01/31/00 11.60477 N/A N/A N/A 10 10 -13.83% Alliance Growth 01/31/00 11.813199 N/A N/A N/A 10 10 -15.35% Alliance Growth and Income 01/31/00 8.608252 N/A N/A N/A 10 10 16.17% Aim Cap App 01/31/00 11.219942 N/A N/A N/A 10 10 -10.87% Aim Growth 01/31/00 12.284155 N/A N/A N/A 10 10 -18.59% Aim Value 01/31/00 12.961312 N/A N/A N/A 10 10 -22.85% Putnam International Growth 01/31/00 10.71147 N/A N/A N/A 10 10 -6.64% Putnam Voyager 01/31/00 11.832934 N/A N/A N/A 10 10 -15.49% Putnam Growth & Income 01/31/00 9.114386 N/A N/A N/A 10 10 9.72% MSDW Mid Cap 01/31/00 8.866231 N/A N/A N/A 10 10 12.79% Information Portfolio 11/06/00 10.770265 N/A N/A N/A 10 10 -7.15% Ten Years Five Years One Year YTD Fund Average Total Average Total Average Alliance Premier Growth -15.05% N/A N/A N/A N/A N/A 0.00% Alliance Growth -16.69% N/A N/A N/A N/A N/A 0.00% Alliance Growth and Income 17.85% N/A N/A N/A N/A N/A 0.00% Aim Cap App -11.85% N/A N/A N/A N/A N/A 0.00% Aim Growth -20.19% N/A N/A N/A N/A N/A 0.00% Aim Value -24.75% N/A N/A N/A N/A N/A 0.00% Putnam International Growth -7.26% N/A N/A N/A N/A N/A 0.00% Putnam Voyager -16.85% N/A N/A N/A N/A N/A 0.00% Putnam Growth & Income 10.70% N/A N/A N/A N/A N/A 0.00% MSDW Mid Cap 14.10% N/A N/A N/A N/A N/A 0.00% Information Portfolio -40.01% N/A N/A N/A N/A N/A 0.00%
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 12.242293 81.68404 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.62944 816.2944 1.000 FORMULA: 1000*(1+T)= 816.2944 - (0.85 * 1000 * 0.05) = 773.7944 T = -22.62% R = -22.62% 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 12.405240 80.61110 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.55650 805.5650 1.000 FORMULA: 1000*(1+T)= 805.5650 - (0.85 * 1000 * 0.05) = 763.0650 T = -23.69% R = -23.69% 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 8.981027 111.34584 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.29124 1112.9124 1.000 FORMULA: 1000*(1+T)= 1112.9124 - (0.85 * 1000 * 0.05) = 1070.4124 T = 7.04% R = 7.04% 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 11.435028 87.45059 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.39599 873.9599 1.000 FORMULA: 1000*(1+T)= 873.9599 - (0.85 * 1000 * 0.05) = 831.4599 T = -16.85% R = -16.85% 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 12.813384 78.04340 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 77.98880 779.8880 1.000 FORMULA: 1000*(1+T)= 779.8880 - (0.85 * 1000 * 0.05) = 737.3880 T = -26.26% R = -26.26% 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 13.309306 75.13540 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.08080 750.8080 1.000 FORMULA: 1000*(1+T)= 750.8080 - (0.85 * 1000 * 0.05) = 708.3080 T = -29.17% R = -29.17% 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 11.265160 88.76927 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.71467 887.1467 1.000 FORMULA: 1000*(1+T)= 887.1467 - (0.85 * 1000 * 0.05) = 844.6467 T = -15.54% R = -15.54% 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 12.206209 81.92552 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.87092 818.7092 1.000 FORMULA: 1000*(1+T)= 818.7092 - (0.85 * 1000 * 0.05) = 776.2092 T = -22.38% R = -22.38% 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 9.439406 105.93887 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 105.88427 1058.8427 1.000 FORMULA: 1000*(1+T)= 1058.8427 - (0.85 * 1000 * 0.05) = 1016.3427 T = 1.63% R = 1.63% 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 9.198780 108.71007 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.65547 1086.5547 1.000 FORMULA: 1000*(1+T)= 1086.5547 - (0.85 * 1000 * 0.05) = 1044.0547 T = 4.41% R = 4.41% Information Portfolio 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-00 1000.00 10.000000 100.00000 FEE 00-Jan-00 0.546 #VALUE! #VALUE! RESULTING VALUE 00-Jan-00 #VALUE! #VALUE! #VALUE! 1.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05) = #VALUE! T = N/A R = N/A 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 12.122316 0.04504 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 * 0.02) = #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 4.622808 216.31874 FEE 29-Dec-96 0.546 5.872185 0.09298 FEE 29-Dec-97 0.546 7.254044 0.07527 FEE 29-Dec-98 0.546 9.341328 0.05845 FEE 29-Dec-99 0.546 12.199661 0.04476 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 215.99269 2159.9269 5.000 FORMULA: 1000*(1+T)= 2159.9269 - (0.85 * 1000 * 0.02) = 2142.926852 T = 16.47% R = 114.29% 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 4.497919 222.32504 FEE 29-Dec-96 0.546 5.538333 0.09859 FEE 29-Dec-97 0.546 6.772322 0.08062 FEE 29-Dec-98 0.546 8.171893 0.06681 FEE 29-Dec-99 0.546 8.878890 0.06149 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 221.96292 2219.6292 5.000 FORMULA: 1000*(1+T)= 2219.6292 - (0.85 * 1000 * 0.02) = 2202.629187 T = 17.11% R = 120.26% 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 5.350412 186.90149 FEE 29-Dec-96 0.546 6.182081 0.08832 FEE 29-Dec-97 0.546 6.646754 0.08215 FEE 29-Dec-98 0.546 7.855160 0.06951 FEE 29-Dec-99 0.546 11.305656 0.04829 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 186.55863 1865.5863 5.000 FORMULA: 1000*(1+T)= 1865.5863 - (0.85 * 1000 * 0.02) = 1848.586267 T = 13.08% R = 84.86% 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 5.079714 196.86148 FEE 29-Dec-96 0.546 5.939736 0.09192 FEE 29-Dec-97 0.546 7.165097 0.07620 FEE 29-Dec-98 0.546 9.595657 0.05690 FEE 29-Dec-99 0.546 12.726232 0.04290 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 196.53895 1965.3895 5.000 FORMULA: 1000*(1+T)= 1965.3895 - (0.85 * 1000 * 0.02) = 1948.389466 T = 14.27% R = 94.84% 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 5.859830 170.65341 FEE 29-Dec-96 0.546 6.647028 0.08214 FEE 29-Dec-97 0.546 7.909147 0.06903 FEE 29-Dec-98 0.546 10.433184 0.05233 FEE 29-Dec-99 0.546 13.196936 0.04137 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 170.35393 1703.5393 5.000 FORMULA: 1000*(1+T)= 1703.5393 - (0.85 * 1000 * 0.02) = 1686.539326 T = 11.02% R = 68.65% 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 6.119292 0.08923 FEE 29-Dec-98 0.546 7.161565 0.07624 FEE 29-Dec-99 0.546 11.057860 0.04938 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 * 0.02) = #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 4.703760 212.59588 FEE 29-Dec-96 0.546 5.217843 0.10464 FEE 29-Dec-97 0.546 6.265289 0.08715 FEE 29-Dec-98 0.546 7.738412 0.07056 FEE 29-Dec-99 0.546 12.054187 0.04530 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 212.23364 2122.3364 5.000 FORMULA: 1000*(1+T)= 2122.3364 - (0.85 * 1000 * 0.02) = 2105.336404 T = 16.06% R = 110.53% 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 5.762391 173.53907 FEE 29-Dec-96 0.546 6.995261 0.07805 FEE 29-Dec-97 0.546 8.235241 0.06630 FEE 29-Dec-98 0.546 9.571997 0.05704 FEE 29-Dec-99 0.546 9.394491 0.05812 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 173.22496 1732.2496 5.000 FORMULA: 1000*(1+T)= 1732.2496 - (0.85 * 1000 * 0.02) = 1715.249605 T = 11.39% R = 71.52% 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 6.806640 0.08022 FEE 29-Dec-98 0.546 7.511041 0.07269 FEE 29-Dec-99 0.546 9.105482 0.05996 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 * 0.02) = #VALUE! T = N/A R = N/A Information Portfolio 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 #VALUE! #VALUE! 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 * 0.02) = #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 1.912538 522.86543 FEE 31-Dec-91 0.546 2.738264 0.19940 FEE 31-Dec-92 0.546 2.961594 0.18436 FEE 31-Dec-93 0.546 3.445230 0.15848 FEE 31-Dec-94 0.546 3.411489 0.16005 FEE 31-Dec-95 0.546 4.703240 0.11609 FEE 31-Dec-96 0.546 5.207088 0.10486 FEE 31-Dec-97 0.546 6.456245 0.08457 FEE 31-Dec-98 0.546 7.869908 0.06938 FEE 31-Dec-99 0.546 12.206209 0.04473 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 521.68892 5216.8892 10.000 FORMULA: 1000*(1+T)= 5216.8892 - (0.85 * 1000 * 0) = 5216.88918 T = 17.96% R = 421.69% 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 3.111567 321.38148 FEE 31-Dec-91 0.546 3.630241 0.15040 FEE 31-Dec-92 0.546 3.904743 0.13983 FEE 31-Dec-93 0.546 4.372682 0.12487 FEE 31-Dec-94 0.546 4.300303 0.12697 FEE 31-Dec-95 0.546 5.761754 0.09476 FEE 31-Dec-96 0.546 6.884391 0.07931 FEE 31-Dec-97 0.546 8.376309 0.06518 FEE 31-Dec-98 0.546 9.478699 0.05760 FEE 31-Dec-99 0.546 9.439406 0.05784 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 320.43011 3204.3011 10.000 FORMULA: 1000*(1+T)= 3204.3011 - (0.85 * 1000 * 0) = 3204.301085 T = 12.35% R = 220.43% 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 10.918611 91.58674 1 FEE 14-Jul-00 0.546 13.238840 0.04124 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.49090 914.9090 1.462 FORMULA: 1000*(1+T)= 914.9090 = 872.4089892 T = -8.91% R = -12.76% 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 3.324003 300.84209 1 FEE 15-Sep-95 0.546 4.454991 0.12256 0.06 2 FEE 15-Sep-96 0.546 5.161229 0.10579 0.05 3 FEE 15-Sep-97 0.546 7.006182 0.07793 0.05 4 15-Sep-98 0.546 7.348841 0.07430 0.04 5 15-Sep-99 0.546 10.126356 0.05392 0.03 6 15-Sep-00 0.546 11.976900 0.04559 0.02 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 300.30740 3003.0740 6.289 FORMULA: 1000*(1+T)= 3003.0740 = 3003.074041 T = 19.11% R = 200.31% 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 2.921044 342.34335 1 FEE 14-Jan-92 0.546 2.969632 0.18386 0.06 2 FEE 14-Jan-93 0.546 3.146232 0.17354 0.05 3 FEE 14-Jan-94 0.546 3.449625 0.15828 0.05 4 14-Jan-95 0.546 3.373935 0.16183 0.04 5 14-Jan-96 0.546 4.360466 0.12522 0.03 6 14-Jan-97 0.546 5.607232 0.09737 0.02 7 14-Jan-98 0.546 6.763308 0.08073 0 8 14-Jan-99 0.546 8.086257 0.06752 0 9 14-Jan-00 0.546 8.981027 0.06079 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 341.17961 3411.7961 9.958 FORMULA: 1000*(1+T)= 3411.7961 = 3411.796082 T = 13.12% R = 241.18% 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 3.383756 295.52958 1 FEE 05-May-94 0.546 3.971880 0.13747 0.06 2 FEE 05-May-95 0.546 4.408024 0.12387 0.05 3 FEE 05-May-96 0.546 5.937082 0.09196 0.05 4 05-May-97 0.546 6.196151 0.08812 0.04 5 05-May-98 0.546 7.785365 0.07013 0.03 6 05-May-99 0.546 8.259784 0.06610 0.02 7 05-May-00 0.546 11.709320 0.04663 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 294.85070 2948.5070 7.652 FORMULA: 1000*(1+T)= 2948.5070 = 2948.507036 T = 15.18% R = 194.85% 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 3.670894 272.41321 1 FEE 05-May-94 0.546 3.839257 0.14222 0.06 2 FEE 05-May-95 0.546 4.272118 0.12781 0.05 3 FEE 05-May-96 0.546 5.369741 0.10168 0.05 4 05-May-97 0.546 6.292302 0.08677 0.04 5 05-May-98 0.546 8.434566 0.06473 0.03 6 05-May-99 0.546 10.278574 0.05312 0.02 7 05-May-00 0.546 13.280423 0.04111 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 271.74116 2717.4116 7.652 FORMULA: 1000*(1+T)= 2717.4116 = 2717.41164 T = 13.96% R = 171.74% 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 3.784171 264.25867 1 FEE 05-May-94 0.546 4.376291 0.12476 0.06 2 FEE 05-May-95 0.546 4.925282 0.11086 0.05 3 FEE 05-May-96 0.546 5.906270 0.09244 0.05 4 05-May-97 0.546 7.074015 0.07718 0.04 5 05-May-98 0.546 9.059800 0.06027 0.03 6 05-May-99 0.546 11.334886 0.04817 0.02 7 05-May-00 0.546 13.442973 0.04062 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 263.64977 2636.4977 7.652 FORMULA: 1000*(1+T)= 2636.4977 = 2636.497713 T = 13.51% R = 163.65% 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 5.418392 184.55660 1 FEE 02-Jan-98 0.546 6.198870 0.08808 0.06 2 FEE 02-Jan-99 0.546 7.171450 0.07614 0.05 3 FEE 02-Jan-00 0.546 11.452164 0.04768 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 184.29011 1842.9011 3.989 FORMULA: 1000*(1+T)= 1842.9011 = 1808.901067 T = 16.02% R = 80.89% 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 1.518350 658.60967 1 FEE 01-Feb-89 0.546 1.627887 0.33540 0.06 2 FEE 01-Feb-90 0.546 1.768153 0.30880 0.05 3 FEE 01-Feb-91 0.546 2.036640 0.26809 0.05 4 01-Feb-92 0.546 2.739677 0.19929 0.04 5 01-Feb-93 0.546 2.982524 0.18307 0.03 6 01-Feb-94 0.546 3.512809 0.15543 0.02 7 01-Feb-95 0.546 3.439204 0.15876 0 8 01-Feb-96 0.546 4.779613 0.11424 0 9 01-Feb-97 0.546 5.431484 0.10053 0 10 01-Feb-98 0.546 6.432010 0.08489 0 11 01-Feb-99 0.546 8.218954 0.06643 0 12 01-Feb-00 0.546 12.095940 0.04514 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 656.53502 6565.3502 12.909 FORMULA: 1000*(1+T)= 6565.3502 = 6565.350176 T = 15.69% R = 556.54% 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 2.223262 449.78954 1 FEE 01-Feb-89 0.546 2.754103 0.19825 0.06 2 FEE 01-Feb-90 0.546 2.987841 0.18274 0.05 3 FEE 01-Feb-91 0.546 3.223322 0.16939 0.05 4 01-Feb-92 0.546 3.640592 0.14998 0.04 5 01-Feb-93 0.546 3.951681 0.13817 0.03 6 01-Feb-94 0.546 4.488025 0.12166 0.02 7 01-Feb-95 0.546 4.399767 0.12410 0 8 01-Feb-96 0.546 5.901634 0.09252 0 9 01-Feb-97 0.546 7.163636 0.07622 0 10 01-Feb-98 0.546 8.391524 0.06507 0 11 01-Feb-99 0.546 9.525738 0.05732 0 12 01-Feb-00 0.546 9.113921 0.05991 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 448.29964 4482.9964 12.909 FORMULA: 1000*(1+T)= 4482.9964 = 4482.996361 T = 12.32% R = 348.30% 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 5.072058 197.15863 1 FEE 02-Jan-98 0.546 6.984340 0.07817 0.06 2 FEE 02-Jan-99 0.546 7.734621 0.07059 0.05 3 FEE 02-Jan-00 0.546 9.198780 0.05936 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 196.89591 1968.9591 3.989 FORMULA: 1000*(1+T)= 1968.9591 = 1934.959064 T = 18.00% R = 93.50% 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 10.770265 92.84823 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.79363 927.9363 0.145 FORMULA: 1000*(1+T)= 927.9363 = 876.9362611 T = -59.55% R = -12.31%
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 11.583304 86.33115 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.27655 862.7655 0.912 FORMULA: 1000*(1+T)= 862.7655 = 811.7655387 T = -20.45% R = -18.82% 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 11.791325 84.80811 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.75351 847.5351 0.912 FORMULA: 1000*(1+T)= 847.5351 = 796.5351105 T = -22.08% R = -20.35% 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 8.592350 116.38260 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.32800 1163.2800 0.912 FORMULA: 1000*(1+T)= 1163.2800 = 1112.279961 T = 12.38% R = 11.23% 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 11.199175 89.29229 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.23769 892.3769 0.912 FORMULA: 1000*(1+T)= 892.3769 = 841.3769162 T = -17.26% R = -15.86% 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 12.261396 81.55678 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 81.50218 815.0218 0.912 FORMULA: 1000*(1+T)= 815.0218 = 764.0218195 T = -25.56% R = -23.60% 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 12.937292 77.29593 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.24133 772.4133 0.912 FORMULA: 1000*(1+T)= 772.4133 = 721.413287 T = -30.10% R = -27.86% 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 10.691632 93.53109 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.47649 934.7649 0.912 FORMULA: 1000*(1+T)= 934.7649 = 883.7649048 T = -12.67% R = -11.62% 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 11.811017 84.66671 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.61211 846.1211 0.912 FORMULA: 1000*(1+T)= 846.1211 = 795.1211414 T = -22.23% R = -20.49% 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 9.097547 109.91974 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.86514 1098.6514 0.912 FORMULA: 1000*(1+T)= 1098.6514 = 1047.651399 T = 5.24% R = 4.77% 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 8.849834 112.99647 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 112.94187 1129.4187 0.912 FORMULA: 1000*(1+T)= 1129.4187 = 1078.418698 T = 8.63% R = 7.84% 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 10.767088 92.87562 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.82102 928.2102
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 One Yr YTD Today's Inception Fund Date AUV AUV AUV AUV AUV AUV Total Alliance Premier Growth 01/31/00 11.583304 N/A N/A N/A 10 10 -13.67% Alliance Growth 01/31/00 11.791325 N/A N/A N/A 10 10 -15.19% Alliance Growth and Income 01/31/00 8.59235 N/A N/A N/A 10 10 16.38% Aim Cap App 01/31/00 11.199175 N/A N/A N/A 10 10 -10.71% Aim Growth 01/31/00 12.261396 N/A N/A N/A 10 10 -18.44% Aim Value 01/31/00 12.937292 N/A N/A N/A 10 10 -22.70% Putnam International Growth 01/31/00 10.691632 N/A N/A N/A 10 10 -6.47% Putnam Voyager 01/31/00 11.811017 N/A N/A N/A 10 10 -15.33% Putnam Growth & Income 01/31/00 9.097547 N/A N/A N/A 10 10 9.92% MSDW Mid Cap 01/31/00 8.849834 N/A N/A N/A 10 10 13.00% Information Portfolio 11/06/00 10.767088 N/A N/A N/A 10 10 -7.12% Ten Years Five Years One Year YTD Fund Average Total Average Total Average Alliance Premier Growth -14.88% N/A N/A N/A N/A N/A 0.00% Alliance Growth -16.52% N/A N/A N/A N/A N/A 0.00% Alliance Growth and Income 18.09% N/A N/A N/A N/A N/A 0.00% Aim Cap App -11.67% N/A N/A N/A N/A N/A 0.00% Aim Growth -20.03% N/A N/A N/A N/A N/A 0.00% Aim Value -24.59% N/A N/A N/A N/A N/A 0.00% Putnam International Growth -7.07% N/A N/A N/A N/A N/A 0.00% Putnam Voyager -16.68% N/A N/A N/A N/A N/A 0.00% Putnam Growth & Income 10.92% N/A N/A N/A N/A N/A 0.00% MSDW Mid Cap 14.33% N/A N/A N/A N/A N/A 0.00% Information Portfolio -39.89% N/A N/A N/A N/A N/A 0.00%
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 12.217429 81.85028 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.79568 817.9568 1.000 FORMULA: 1000*(1+T)= 817.9568 - (0.85 * 1000 * 0.05) = 775.4568 T = -22.45% R = -22.45% 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 12.380031 80.77524 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.72064 807.2064 1.000 FORMULA: 1000*(1+T)= 807.2064 - (0.85 * 1000 * 0.05) = 764.7064 T = -23.53% R = -23.53% 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 8.962827 111.57194 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.51734 1115.1734 1.000 FORMULA: 1000*(1+T)= 1115.1734 - (0.85 * 1000 * 0.05) = 1072.6734 T = 7.27% R = 7.27% 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 11.411891 87.62790 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.57330 875.7330 1.000 FORMULA: 1000*(1+T)= 875.7330 - (0.85 * 1000 * 0.05) = 833.2330 T = -16.68% R = -16.68% 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 12.787433 78.20178 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.14718 781.4718 1.000 FORMULA: 1000*(1+T)= 781.4718 - (0.85 * 1000 * 0.05) = 738.9718 T = -26.10% R = -26.10% 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 13.282348 75.28789 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.23329 752.3329 1.000 FORMULA: 1000*(1+T)= 752.3329 - (0.85 * 1000 * 0.05) = 709.8329 T = -29.02% R = -29.02% 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 11.242350 88.94937 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.89477 888.9477 1.000 FORMULA: 1000*(1+T)= 888.9477 - (0.85 * 1000 * 0.05) = 846.4477 T = -15.36% R = -15.36% 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 12.181496 82.09172 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.03712 820.3712 1.000 FORMULA: 1000*(1+T)= 820.3712 - (0.85 * 1000 * 0.05) = 777.8712 T = -22.21% R = -22.21% 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 9.420332 106.15337 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.09877 1060.9877 1.000 FORMULA: 1000*(1+T)= 1060.9877 - (0.85 * 1000 * 0.05) = 1018.4877 T = 1.85% R = 1.85% 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 9.180128 108.93094 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.87634 1088.7634 1.000 FORMULA: 1000*(1+T)= 1088.7634 - (0.85 * 1000 * 0.05) = 1046.2634 T = 4.63% R = 4.63% Information Portfolio 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-00 1000.00 10.000000 100.00000 FEE 00-Jan-00 0.546 #VALUE! #VALUE! RESULTING VALUE 00-Jan-00 #VALUE! #VALUE! #VALUE! 1.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05) = #VALUE! T = N/A R = N/A 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 12.097561 0.04513 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 * 0.02) = #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 4.575964 218.53319 FEE 29-Dec-96 0.546 5.824521 0.09374 FEE 29-Dec-97 0.546 7.209814 0.07573 FEE 29-Dec-98 0.546 9.303294 0.05869 FEE 29-Dec-99 0.546 12.174736 0.04485 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 218.20558 2182.0558 5.000 FORMULA: 1000*(1+T)= 2182.0558 - (0.85 * 1000 * 0.02) = 2165.055802 T = 16.71% R = 116.51% 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 4.452349 224.60054 FEE 29-Dec-96 0.546 5.493409 0.09939 FEE 29-Dec-97 0.546 6.731076 0.08112 FEE 29-Dec-98 0.546 8.138661 0.06709 FEE 29-Dec-99 0.546 8.860798 0.06162 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 224.23673 2242.3673 5.000 FORMULA: 1000*(1+T)= 2242.3673 - (0.85 * 1000 * 0.02) = 2225.367272 T = 17.35% R = 122.54% 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 5.296280 188.81177 FEE 29-Dec-96 0.546 6.131993 0.08904 FEE 29-Dec-97 0.546 6.606323 0.08265 FEE 29-Dec-98 0.546 7.823270 0.06979 FEE 29-Dec-99 0.546 11.282655 0.04839 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 188.46730 1884.6730 5.000 FORMULA: 1000*(1+T)= 1884.6730 - (0.85 * 1000 * 0.02) = 1867.672958 T = 13.31% R = 86.77% 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 5.028281 198.87512 FEE 29-Dec-96 0.546 5.891557 0.09267 FEE 29-Dec-97 0.546 7.121470 0.07667 FEE 29-Dec-98 0.546 9.556660 0.05713 FEE 29-Dec-99 0.546 12.700316 0.04299 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 198.55105 1985.5105 5.000 FORMULA: 1000*(1+T)= 1985.5105 - (0.85 * 1000 * 0.02) = 1968.51054 T = 14.51% R = 96.85% 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 5.800508 172.39869 FEE 29-Dec-96 0.546 6.593149 0.08281 FEE 29-Dec-97 0.546 7.861019 0.06946 FEE 29-Dec-98 0.546 10.390780 0.05255 FEE 29-Dec-99 0.546 13.170059 0.04146 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 172.09782 1720.9782 5.000 FORMULA: 1000*(1+T)= 1720.9782 - (0.85 * 1000 * 0.02) = 1703.978192 T = 11.25% R = 70.40% 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 6.082097 0.08977 FEE 29-Dec-98 0.546 7.132527 0.07655 FEE 29-Dec-99 0.546 11.035348 0.04948 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 * 0.02) = #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 4.656156 214.76944 FEE 29-Dec-96 0.546 5.175507 0.10550 FEE 29-Dec-97 0.546 6.227180 0.08768 FEE 29-Dec-98 0.546 7.707000 0.07084 FEE 29-Dec-99 0.546 12.029649 0.04539 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 214.40543 2144.0543 5.000 FORMULA: 1000*(1+T)= 2144.0543 - (0.85 * 1000 * 0.02) = 2127.054268 T = 16.29% R = 112.71% 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 5.704078 175.31317 FEE 29-Dec-96 0.546 6.938486 0.07869 FEE 29-Dec-97 0.546 8.185118 0.06671 FEE 29-Dec-98 0.546 9.533113 0.05727 FEE 29-Dec-99 0.546 9.375404 0.05824 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 174.99766 1749.9766 5.000 FORMULA: 1000*(1+T)= 1749.9766 - (0.85 * 1000 * 0.02) = 1732.976612 T = 11.62% R = 73.30% 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 6.765169 0.08071 FEE 29-Dec-98 0.546 7.480481 0.07299 FEE 29-Dec-99 0.546 9.086918 0.06009 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 * 0.02) = #VALUE! T = N/A R = N/A Information Portfolio 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 #VALUE! #VALUE! 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 * 0.02) = #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 1.874047 533.60455 FEE 31-Dec-91 0.546 2.688621 0.20308 FEE 31-Dec-92 0.546 2.913820 0.18738 FEE 31-Dec-93 0.546 3.396566 0.16075 FEE 31-Dec-94 0.546 3.370141 0.16201 FEE 31-Dec-95 0.546 4.655693 0.11728 FEE 31-Dec-96 0.546 5.164955 0.10571 FEE 31-Dec-97 0.546 6.417044 0.08509 FEE 31-Dec-98 0.546 7.838050 0.06966 FEE 31-Dec-99 0.546 12.181496 0.04482 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 532.41417 5324.1417 10.000 FORMULA: 1000*(1+T)= 5324.1417 - (0.85 * 1000 * 0) = 5324.141678 T = 18.20% R = 432.41% 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 3.048941 327.98273 FEE 31-Dec-91 0.546 3.564423 0.15318 FEE 31-Dec-92 0.546 3.841755 0.14212 FEE 31-Dec-93 0.546 4.310916 0.12666 FEE 31-Dec-94 0.546 4.248189 0.12853 FEE 31-Dec-95 0.546 5.703511 0.09573 FEE 31-Dec-96 0.546 6.828668 0.07996 FEE 31-Dec-97 0.546 8.325420 0.06558 FEE 31-Dec-98 0.546 9.440299 0.05784 FEE 31-Dec-99 0.546 9.420332 0.05796 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 327.02058 3270.2058 10.000 FORMULA: 1000*(1+T)= 3270.2058 - (0.85 * 1000 * 0) = 3270.205821 T = 12.58% R = 227.02% 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 10.886113 91.86015 1 FEE 14-Jul-00 0.546 13.226452 0.04128 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.76427 917.6427 1.462 FORMULA: 1000*(1+T)= 917.6427 = 875.1427156 T = -8.72% R = -12.49% 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 3.281875 304.70387 1 FEE 15-Sep-95 0.546 4.406914 0.12390 0.06 2 FEE 15-Sep-96 0.546 5.116348 0.10672 0.05 3 FEE 15-Sep-97 0.546 6.959387 0.07846 0.05 4 15-Sep-98 0.546 7.314642 0.07464 0.04 5 15-Sep-99 0.546 10.099758 0.05406 0.03 6 15-Sep-00 0.546 11.969890 0.04561 0.02 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 304.16588 3041.6588 6.289 FORMULA: 1000*(1+T)= 3041.6588 = 3041.658778 T = 19.35% R = 204.17% 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 2.862656 349.32594 1 FEE 14-Jan-92 0.546 2.915960 0.18725 0.06 2 FEE 14-Jan-93 0.546 3.095627 0.17638 0.05 3 FEE 14-Jan-94 0.546 3.401004 0.16054 0.05 4 14-Jan-95 0.546 3.333157 0.16381 0.04 5 14-Jan-96 0.546 4.316674 0.12649 0.03 6 14-Jan-97 0.546 5.562247 0.09816 0.02 7 14-Jan-98 0.546 6.722716 0.08122 0 8 14-Jan-99 0.546 8.054091 0.06779 0 9 14-Jan-00 0.546 8.962827 0.06092 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 348.14879 3481.4879 9.958 FORMULA: 1000*(1+T)= 3481.4879 = 3481.487928 T = 13.35% R = 248.15% 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 3.331526 300.16275 1 FEE 05-May-94 0.546 3.918514 0.13934 0.06 2 FEE 05-May-95 0.546 4.357654 0.12530 0.05 3 FEE 05-May-96 0.546 5.881191 0.09284 0.05 4 05-May-97 0.546 6.150297 0.08878 0.04 5 05-May-98 0.546 7.743473 0.07051 0.03 6 05-May-99 0.546 8.232064 0.06633 0.02 7 05-May-00 0.546 11.693826 0.04669 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 299.47837 2994.7837 7.652 FORMULA: 1000*(1+T)= 2994.7837 = 2994.783701 T = 15.41% R = 199.48% 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 3.614170 276.68870 1 FEE 05-May-94 0.546 3.787630 0.14415 0.06 2 FEE 05-May-95 0.546 4.223252 0.12928 0.05 3 FEE 05-May-96 0.546 5.319142 0.10265 0.05 4 05-May-97 0.546 6.245692 0.08742 0.04 5 05-May-98 0.546 8.389149 0.06508 0.03 6 05-May-99 0.546 10.244045 0.05330 0.02 7 05-May-00 0.546 13.262818 0.04117 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 276.01104 2760.1104 7.652 FORMULA: 1000*(1+T)= 2760.1104 = 2760.110431 T = 14.19% R = 176.01% 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 3.725702 268.40579 1 FEE 05-May-94 0.546 4.317452 0.12646 0.06 2 FEE 05-May-95 0.546 4.868962 0.11214 0.05 3 FEE 05-May-96 0.546 5.850649 0.09332 0.05 4 05-May-97 0.546 7.021641 0.07776 0.04 5 05-May-98 0.546 9.011036 0.06059 0.03 6 05-May-99 0.546 11.296809 0.04833 0.02 7 05-May-00 0.546 13.425149 0.04067 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 267.79191 2677.9191 7.652 FORMULA: 1000*(1+T)= 2677.9191 = 2677.919136 T = 13.74% R = 167.79% 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 5.374629 186.05935 1 FEE 02-Jan-98 0.546 6.161328 0.08862 0.06 2 FEE 02-Jan-99 0.546 7.142451 0.07644 0.05 3 FEE 02-Jan-00 0.546 11.429038 0.04777 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 185.79192 1857.9192 3.989 FORMULA: 1000*(1+T)= 1857.9192 = 1823.919194 T = 16.26% R = 82.39% 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 1.479000 676.13252 1 FEE 01-Feb-89 0.546 1.588926 0.34363 0.06 2 FEE 01-Feb-90 0.546 1.729360 0.31572 0.05 3 FEE 01-Feb-91 0.546 1.996007 0.27355 0.05 4 01-Feb-92 0.546 2.690474 0.20294 0.04 5 01-Feb-93 0.546 2.934939 0.18603 0.03 6 01-Feb-94 0.546 3.463805 0.15763 0.02 7 01-Feb-95 0.546 3.398130 0.16068 0 8 01-Feb-96 0.546 4.732137 0.11538 0 9 01-Feb-97 0.546 5.388465 0.10133 0 10 01-Feb-98 0.546 6.394060 0.08539 0 11 01-Feb-99 0.546 8.187142 0.06669 0 12 01-Feb-00 0.546 12.073601 0.04522 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 674.02373 6740.2373 12.909 FORMULA: 1000*(1+T)= 6740.2373 = 6740.237311 T = 15.93% R = 574.02% 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 2.165640 461.75726 1 FEE 01-Feb-89 0.546 2.688191 0.20311 0.06 2 FEE 01-Feb-90 0.546 2.922278 0.18684 0.05 3 FEE 01-Feb-91 0.546 3.159013 0.17284 0.05 4 01-Feb-92 0.546 3.575201 0.15272 0.04 5 01-Feb-93 0.546 3.888631 0.14041 0.03 6 01-Feb-94 0.546 4.425421 0.12338 0.02 7 01-Feb-95 0.546 4.347223 0.12560 0 8 01-Feb-96 0.546 5.843012 0.09344 0 9 01-Feb-97 0.546 7.106882 0.07683 0 10 01-Feb-98 0.546 8.341981 0.06545 0 11 01-Feb-99 0.546 9.488841 0.05754 0 12 01-Feb-00 0.546 9.097133 0.06002 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 460.24449 4602.4449 12.909 FORMULA: 1000*(1+T)= 4602.4449 = 4602.444859 T = 12.55% R = 360.24% 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 5.031029 198.76649 1 FEE 02-Jan-98 0.546 6.941940 0.07865 0.06 2 FEE 02-Jan-99 0.546 7.703280 0.07088 0.05 3 FEE 02-Jan-00 0.546 9.180128 0.05948 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 198.50289 1985.0289 3.989 FORMULA: 1000*(1+T)= 1985.0289 = 1951.028873 T = 18.24% R = 95.10% 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 10.767088 92.87562 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.82102 928.2102 0.145 FORMULA: 1000*(1+T)= 928.2102 = 877.2102245 T = -59.46% R = -12.28%
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 11.572600 86.41101 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.35641 863.5641 0.912 FORMULA: 1000*(1+T)= 863.5641 = 812.5640531 T = -20.36% R = -18.74% 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 11.780439 84.88648 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.83188 848.3188 0.912 FORMULA: 1000*(1+T)= 848.3188 = 797.3188004 T = -22.00% R = -20.27% 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 8.584425 116.49004 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.43544 1164.3544 0.912 FORMULA: 1000*(1+T)= 1164.3544 = 1113.354386 T = 12.50% R = 11.34% 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 11.188813 89.37499 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.32039 893.2039 0.912 FORMULA: 1000*(1+T)= 893.2039 = 842.2038553 T = -17.17% R = -15.78% 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 12.250054 81.63229 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 81.57769 815.7769 0.912 FORMULA: 1000*(1+T)= 815.7769 = 764.7769321 T = -25.48% R = -23.52% 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 12.925330 77.36746 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.31286 773.1286 0.912 FORMULA: 1000*(1+T)= 773.1286 = 722.1286373 T = -30.03% R = -27.79% 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 10.681759 93.61754 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.56294 935.6294 0.912 FORMULA: 1000*(1+T)= 935.6294 = 884.6293996 T = -12.58% R = -11.54% 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 11.800085 84.74515 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.69055 846.9055 0.912 FORMULA: 1000*(1+T)= 846.9055 = 795.9055226 T = -22.15% R = -20.41% 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 9.089144 110.02136 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.96676 1099.6676 0.912 FORMULA: 1000*(1+T)= 1099.6676 = 1048.667617 T = 5.35% R = 4.87% 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 8.841660 113.10093 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 113.04633 1130.4633 0.912 FORMULA: 1000*(1+T)= 1130.4633 = 1079.463335 T = 8.75% R = 7.95% 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 10.765499 92.88933 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.83473 928.3473 0.145 FORMULA: 1000*(1+T)= 928.3473 = 877.34731 T = -59.41% R = -12.27%
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 One Yr YTD Today's Inception Fund Date AUV AUV AUV AUV AUV AUV Total Alliance Premier Growth 01/31/00 11.5726 N/A N/A N/A 10 10 -13.59% Alliance Growth 01/31/00 11.780439 N/A N/A N/A 10 10 -15.11% Alliance Growth and Income 01/31/00 8.584425 N/A N/A N/A 10 10 16.49% Aim Cap App 01/31/00 11.188813 N/A N/A N/A 10 10 -10.63% Aim Growth 01/31/00 12.250054 N/A N/A N/A 10 10 -18.37% Aim Value 01/31/00 12.92533 N/A N/A N/A 10 10 -22.63% Putnam International Growth 01/31/00 10.681759 N/A N/A N/A 10 10 -6.38% Putnam Voyager 01/31/00 11.800085 N/A N/A N/A 10 10 -15.25% Putnam Growth & Income 01/31/00 9.089144 N/A N/A N/A 10 10 10.02% MSDW Mid Cap 01/31/00 8.84166 N/A N/A N/A 10 10 13.10% Information Portfolio 11/06/00 10.765499 N/A N/A N/A 10 10 -7.11% Ten Years Five Years One Year YTD Fund Average Total Average Total Average Alliance Premier Growth -14.79% N/A N/A N/A N/A N/A 0.00% Alliance Growth -16.44% N/A N/A N/A N/A N/A 0.00% Alliance Growth and Income 18.21% N/A N/A N/A N/A N/A 0.00% Aim Cap App -11.58% N/A N/A N/A N/A N/A 0.00% Aim Growth -19.94% N/A N/A N/A N/A N/A 0.00% Aim Value -24.52% N/A N/A N/A N/A N/A 0.00% Putnam International Growth -6.97% N/A N/A N/A N/A N/A 0.00% Putnam Voyager -16.59% N/A N/A N/A N/A N/A 0.00% Putnam Growth & Income 11.04% N/A N/A N/A N/A N/A 0.00% MSDW Mid Cap 14.45% N/A N/A N/A N/A N/A 0.00% Information Portfolio -39.83% N/A N/A N/A N/A N/A 0.00%
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 12.205032 81.93342 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.87882 818.7882 1.000 FORMULA: 1000*(1+T)= 818.7882 - (0.85 * 1000 * 0.05) = 776.2882 T = -22.37% R = -22.37% 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 12.367486 80.85718 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.80258 808.0258 1.000 FORMULA: 1000*(1+T)= 808.0258 - (0.85 * 1000 * 0.05) = 765.5258 T = -23.45% R = -23.45% 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 8.953757 111.68496 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.63036 1116.3036 1.000 FORMULA: 1000*(1+T)= 1116.3036 - (0.85 * 1000 * 0.05) = 1073.8036 T = 7.38% R = 7.38% 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 11.400354 87.71657 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.66197 876.6197 1.000 FORMULA: 1000*(1+T)= 876.6197 - (0.85 * 1000 * 0.05) = 834.1197 T = -16.59% R = -16.59% 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 12.774506 78.28091 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.22631 782.2631 1.000 FORMULA: 1000*(1+T)= 782.2631 - (0.85 * 1000 * 0.05) = 739.7631 T = -26.02% R = -26.02% 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 13.268923 75.36407 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.30947 753.0947 1.000 FORMULA: 1000*(1+T)= 753.0947 - (0.85 * 1000 * 0.05) = 710.5947 T = -28.94% R = -28.94% 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 11.231000 89.03927 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.98467 889.8467 1.000 FORMULA: 1000*(1+T)= 889.8467 - (0.85 * 1000 * 0.05) = 847.3467 T = -15.27% R = -15.27% 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 12.169171 82.17487 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.12027 821.2027 1.000 FORMULA: 1000*(1+T)= 821.2027 - (0.85 * 1000 * 0.05) = 778.7027 T = -22.13% R = -22.13% 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 9.410820 106.26067 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.20607 1062.0607 1.000 FORMULA: 1000*(1+T)= 1062.0607 - (0.85 * 1000 * 0.05) = 1019.5607 T = 1.96% R = 1.96% 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 9.170832 109.04136 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.98676 1089.8676 1.000 FORMULA: 1000*(1+T)= 1089.8676 - (0.85 * 1000 * 0.05) = 1047.3676 T = 4.74% R = 4.74% Information Portfolio 12/31/99 NO. YEARS 1.000 TO 12/29/00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE INIT DEPOSIT 29-Dec-00 1000.00 10.000000 100.00000 FEE 00-Jan-00 0.546 #VALUE! #VALUE! RESULTING VALUE 00-Jan-00 #VALUE! #VALUE! #VALUE! 1.000 FORMULA: 1000*(1+T)= #VALUE! - (0.85 * 1000 * 0.05) = #VALUE! T = N/A R = N/A 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 12.085219 0.04518 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 * 0.02) = #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 4.552777 219.64616 FEE 29-Dec-96 0.546 5.800891 0.09412 FEE 29-Dec-97 0.546 7.187868 0.07596 FEE 29-Dec-98 0.546 9.284388 0.05881 FEE 29-Dec-99 0.546 12.162332 0.04489 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 219.31778 2193.1778 5.000 FORMULA: 1000*(1+T)= 2193.1778 - (0.85 * 1000 * 0.02) = 2176.177773 T = 16.83% R = 117.62% 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 4.429797 225.74398 FEE 29-Dec-96 0.546 5.471131 0.09980 FEE 29-Dec-97 0.546 6.710591 0.08136 FEE 29-Dec-98 0.546 8.122133 0.06722 FEE 29-Dec-99 0.546 8.851782 0.06168 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 225.37931 2253.7931 5.000 FORMULA: 1000*(1+T)= 2253.7931 - (0.85 * 1000 * 0.02) = 2236.793121 T = 17.47% R = 123.68% 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 5.269415 189.77439 FEE 29-Dec-96 0.546 6.107104 0.08940 FEE 29-Dec-97 0.546 6.586197 0.08290 FEE 29-Dec-98 0.546 7.807377 0.06993 FEE 29-Dec-99 0.546 11.271186 0.04844 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 189.42911 1894.2911 5.000 FORMULA: 1000*(1+T)= 1894.2911 - (0.85 * 1000 * 0.02) = 1877.29106 T = 13.42% R = 87.73% 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 5.002807 199.88778 FEE 29-Dec-96 0.546 5.867673 0.09305 FEE 29-Dec-97 0.546 7.099809 0.07690 FEE 29-Dec-98 0.546 9.537268 0.05725 FEE 29-Dec-99 0.546 12.687407 0.04303 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 199.56294 1995.6294 5.000 FORMULA: 1000*(1+T)= 1995.6294 - (0.85 * 1000 * 0.02) = 1978.629434 T = 14.62% R = 97.86% 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 5.771118 173.27665 FEE 29-Dec-96 0.546 6.566419 0.08315 FEE 29-Dec-97 0.546 7.837086 0.06967 FEE 29-Dec-98 0.546 10.369688 0.05265 FEE 29-Dec-99 0.546 13.156675 0.04150 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 172.97508 1729.7508 5.000 FORMULA: 1000*(1+T)= 1729.7508 - (0.85 * 1000 * 0.02) = 1712.750787 T = 11.36% R = 71.28% 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 6.063616 0.09005 FEE 29-Dec-98 0.546 7.118075 0.07671 FEE 29-Dec-99 0.546 11.024146 0.04953 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 * 0.02) = #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 4.632563 215.86323 FEE 29-Dec-96 0.546 5.154490 0.10593 FEE 29-Dec-97 0.546 6.208232 0.08795 FEE 29-Dec-98 0.546 7.691365 0.07099 FEE 29-Dec-99 0.546 12.017411 0.04543 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 215.49833 2154.9833 5.000 FORMULA: 1000*(1+T)= 2154.9833 - (0.85 * 1000 * 0.02) = 2137.983297 T = 16.41% R = 113.80% 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 5.675177 176.20596 FEE 29-Dec-96 0.546 6.910312 0.07901 FEE 29-Dec-97 0.546 8.160218 0.06691 FEE 29-Dec-98 0.546 9.513759 0.05739 FEE 29-Dec-99 0.546 9.365885 0.05830 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 175.88975 1758.8975 5.000 FORMULA: 1000*(1+T)= 1758.8975 - (0.85 * 1000 * 0.02) = 1741.897484 T = 11.74% R = 74.19% 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 6.744566 0.08095 FEE 29-Dec-98 0.546 7.465279 0.07314 FEE 29-Dec-99 0.546 9.077665 0.06015 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 * 0.02) = #VALUE! T = N/A R = N/A Information Portfolio 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 #VALUE! #VALUE! 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 * 0.02) = #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 1.855126 539.04694 FEE 31-Dec-91 0.546 2.664176 0.20494 FEE 31-Dec-92 0.546 2.890265 0.18891 FEE 31-Dec-93 0.546 3.372528 0.16190 FEE 31-Dec-94 0.546 3.349691 0.16300 FEE 31-Dec-95 0.546 4.632128 0.11787 FEE 31-Dec-96 0.546 5.144037 0.10614 FEE 31-Dec-97 0.546 6.397554 0.08535 FEE 31-Dec-98 0.546 7.822192 0.06980 FEE 31-Dec-99 0.546 12.169171 0.04487 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 537.84957 5378.4957 10.000 FORMULA: 1000*(1+T)= 5378.4957 - (0.85 * 1000 * 0) = 5378.495668 T = 18.32% R = 437.85% 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 3.018146 331.32923 FEE 31-Dec-91 0.546 3.532004 0.15459 FEE 31-Dec-92 0.546 3.810678 0.14328 FEE 31-Dec-93 0.546 4.280386 0.12756 FEE 31-Dec-94 0.546 4.222400 0.12931 FEE 31-Dec-95 0.546 5.674645 0.09622 FEE 31-Dec-96 0.546 6.801016 0.08028 FEE 31-Dec-97 0.546 8.300138 0.06578 FEE 31-Dec-98 0.546 9.421186 0.05795 FEE 31-Dec-99 0.546 9.410820 0.05802 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 330.36164 3303.6164 10.000 FORMULA: 1000*(1+T)= 3303.6164 - (0.85 * 1000 * 0) = 3303.616418 T = 12.69% R = 230.36% 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 10.869927 91.99694 1 FEE 14-Jul-00 0.546 13.220270 0.04130 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.90104 919.0104 1.462 FORMULA: 1000*(1+T)= 919.0104 = 876.5103776 T = -8.62% R = -12.35% 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 3.261058 306.64895 1 FEE 15-Sep-95 0.546 4.383129 0.12457 0.06 2 FEE 15-Sep-96 0.546 5.094108 0.10718 0.05 3 FEE 15-Sep-97 0.546 6.936180 0.07872 0.05 4 15-Sep-98 0.546 7.297650 0.07482 0.04 5 15-Sep-99 0.546 10.086531 0.05413 0.03 6 15-Sep-00 0.546 11.966395 0.04563 0.02 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 306.10930 3061.0930 6.289 FORMULA: 1000*(1+T)= 3061.0930 = 3061.092996 T = 19.47% R = 206.11% 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 2.833960 352.86313 1 FEE 14-Jan-92 0.546 2.889545 0.18896 0.06 2 FEE 14-Jan-93 0.546 3.070688 0.17781 0.05 3 FEE 14-Jan-94 0.546 3.377007 0.16168 0.05 4 14-Jan-95 0.546 3.313001 0.16481 0.04 5 14-Jan-96 0.546 4.295001 0.12712 0.03 6 14-Jan-97 0.546 5.539937 0.09856 0.02 7 14-Jan-98 0.546 6.702555 0.08146 0 8 14-Jan-99 0.546 8.038095 0.06793 0 9 14-Jan-00 0.546 8.953757 0.06098 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 351.67923 3516.7923 9.958 FORMULA: 1000*(1+T)= 3516.7923 = 3516.792275 T = 13.46% R = 251.68% 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 3.305695 302.50825 1 FEE 05-May-94 0.546 3.892095 0.14028 0.06 2 FEE 05-May-95 0.546 4.332672 0.12602 0.05 3 FEE 05-May-96 0.546 5.853451 0.09328 0.05 4 05-May-97 0.546 6.127505 0.08911 0.04 5 05-May-98 0.546 7.722614 0.07070 0.03 6 05-May-99 0.546 8.218250 0.06644 0.02 7 05-May-00 0.546 11.686084 0.04672 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 301.82110 3018.2110 7.652 FORMULA: 1000*(1+T)= 3018.2110 = 3018.210976 T = 15.53% R = 201.82% 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 3.586203 278.84646 1 FEE 05-May-94 0.546 3.762137 0.14513 0.06 2 FEE 05-May-95 0.546 4.199081 0.13003 0.05 3 FEE 05-May-96 0.546 5.294082 0.10313 0.05 4 05-May-97 0.546 6.222569 0.08775 0.04 5 05-May-98 0.546 8.366582 0.06526 0.03 6 05-May-99 0.546 10.226871 0.05339 0.02 7 05-May-00 0.546 13.254042 0.04119 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 278.16598 2781.6598 7.652 FORMULA: 1000*(1+T)= 2781.6598 = 2781.659756 T = 14.30% R = 178.17% 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 3.696870 270.49910 1 FEE 05-May-94 0.546 4.288399 0.12732 0.06 2 FEE 05-May-95 0.546 4.841086 0.11278 0.05 3 FEE 05-May-96 0.546 5.823072 0.09376 0.05 4 05-May-97 0.546 6.995645 0.07805 0.04 5 05-May-98 0.546 8.986782 0.06076 0.03 6 05-May-99 0.546 11.277859 0.04841 0.02 7 05-May-00 0.546 13.416272 0.04070 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 269.88271 2698.8271 7.652 FORMULA: 1000*(1+T)= 2698.8271 = 2698.827133 T = 13.85% R = 169.88% 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 5.352926 186.81372 1 FEE 02-Jan-98 0.546 6.142674 0.08889 0.06 2 FEE 02-Jan-99 0.546 7.128019 0.07660 0.05 3 FEE 02-Jan-00 0.546 11.417531 0.04782 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 186.54581 1865.4581 3.989 FORMULA: 1000*(1+T)= 1865.4581 = 1831.458098 T = 16.38% R = 83.15% 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 1.459743 685.05209 1 FEE 01-Feb-89 0.546 1.569832 0.34781 0.06 2 FEE 01-Feb-90 0.546 1.710308 0.31924 0.05 3 FEE 01-Feb-91 0.546 1.976028 0.27631 0.05 4 01-Feb-92 0.546 2.666239 0.20478 0.04 5 01-Feb-93 0.546 2.911470 0.18753 0.03 6 01-Feb-94 0.546 3.439600 0.15874 0.02 7 01-Feb-95 0.546 3.377807 0.16164 0 8 01-Feb-96 0.546 4.708603 0.11596 0 9 01-Feb-97 0.546 5.367102 0.10173 0 10 01-Feb-98 0.546 6.375191 0.08564 0 11 01-Feb-99 0.546 8.171305 0.06682 0 12 01-Feb-00 0.546 12.062459 0.04526 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 682.92602 6829.2602 12.909 FORMULA: 1000*(1+T)= 6829.2602 = 6829.260176 T = 16.05% R = 582.93% 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 2.137432 467.85114 1 FEE 01-Feb-89 0.546 2.655870 0.20558 0.06 2 FEE 01-Feb-90 0.546 2.890084 0.18892 0.05 3 FEE 01-Feb-91 0.546 3.127383 0.17459 0.05 4 01-Feb-92 0.546 3.542987 0.15411 0.04 5 01-Feb-93 0.546 3.857515 0.14154 0.03 6 01-Feb-94 0.546 4.394470 0.12425 0.02 7 01-Feb-95 0.546 4.321218 0.12635 0 8 01-Feb-96 0.546 5.813956 0.09391 0 9 01-Feb-97 0.546 7.078715 0.07713 0 10 01-Feb-98 0.546 8.317365 0.06565 0 11 01-Feb-99 0.546 9.470472 0.05765 0 12 01-Feb-00 0.546 9.088756 0.06007 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 466.32678 4663.2678 12.909 FORMULA: 1000*(1+T)= 4663.2678 = 4663.267829 T = 12.67% R = 366.33% 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 5.010671 199.57407 1 FEE 02-Jan-98 0.546 6.920876 0.07889 0.06 2 FEE 02-Jan-99 0.546 7.687688 0.07102 0.05 3 FEE 02-Jan-00 0.546 9.170832 0.05954 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 199.31002 1993.1002 3.989 FORMULA: 1000*(1+T)= 1993.1002 = 1959.10018 T = 18.36% R = 95.91% 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 10.765499 92.88933 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.83473 928.3473 0.145 FORMULA: 1000*(1+T)= 928.3473 = 877.34731 T = -59.41% R = -12.27%
NLIC VA2 AssetManager
NLIC Asset Manager Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITSEND VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.000000 100.00000 1 FEE 29-Dec-00 0.546 9.288555 0.05878 0.01 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 9.288555 99.94122 928.3095 0.145 FORMULA: 1000*(1+T)= 928.3095 = 919.8095 T = -43.79% R = -8.02% 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 AUV Information Portfolio 11/06/00 10 N/A N/A Information Portfolio Three Two One Yr YTD AUV AUV AUV AUV N/A N/A N/A 10 Information Portfolio 3 Months Today's Inception AUV AUV Total Average N/A 9.288555 -7.11% -39.85% Information Portfolio Ten Years Five Years Total Average Total Average N/A N/A N/A N/A Information Portfolio Three Years Two Years Total Average Total Average N/A N/A N/A N/A Information Portfolio One Year YTD Three Months N/A -7.11% N/A NLIC Asset Manager Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITSEND VALUE 0 INIT DEPOSIT 06-Nov-00 1000.00 10.000000 100.00000 1 FEE 29-Dec-00 0.546 9.288555 0.05878 2 FEE N/A 0 N/A 0.00000 3 FEE N/A 0 N/A 0.00000 4 N/A 0 N/A 0.00000 5 N/A 0 N/A 0.00000 6 N/A 0 N/A 0.00000 7 N/A 0 N/A 0.00000 8 N/A 0 N/A 0.00000 9 N/A 0 N/A 0.00000 10 N/A 0 N/A 0.00000 11 N/A 0 N/A 0.00000 12 N/A 0 N/A 0.00000 13 N/A 0 N/A 0.00000 14 FEE N/A 0 N/A 0.00000 15 FEE N/A 0 N/A 0.00000 RESULTING VALUE 29-Dec-00 9.288555 99.94122 928.3095 0.145 FORMULA: 1000*(1+T)= 928.3095 = 919.8095 T = -43.79% R = -8.02% NLIC Asset Manager Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITSEND VALUE 0 INIT DEPOSIT 06-Nov-00 1000.00 10.000000 100.00000 1 FEE 29-Dec-00 0.546 9.286804 0.05879 2 FEE N/A 0 N/A 0.00000 3 FEE N/A 0 N/A 0.00000 4 N/A 0 N/A 0.00000 5 N/A 0 N/A 0.00000 6 N/A 0 N/A 0.00000 7 N/A 0 N/A 0.00000 8 N/A 0 N/A 0.00000 9 N/A 0 N/A 0.00000 10 N/A 0 N/A 0.00000 11 N/A 0 N/A 0.00000 12 N/A 0 N/A 0.00000 13 N/A 0 N/A 0.00000 14 FEE N/A 0 N/A 0.00000 15 FEE N/A 0 N/A 0.00000 RESULTING VALUE 29-Dec-00 9.286804 99.94121 928.1344 0.145 FORMULA: 1000*(1+T)= 928.1344 = 919.6344 T = -43.86% R = -8.04% 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 AUV Information Portfolio 11/06/00 10 N/A N/A Information Portfolio Three Two One Yr YTD AUV AUV AUV AUV N/A N/A N/A 10 Information Portfolio 3 Months Today's Inception AUV AUV Total Average N/A 9.286804 -7.13% -39.92% Information Portfolio Ten Years Five Years Total Average Total Average N/A N/A N/A N/A Information Portfolio Three Years Two Years Total Average Total Average N/A N/A N/A N/A Information Portfolio One Year YTD Three Months N/A -7.13% N/A NLIC Asset Manager 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 10.000000 100.00000 1 FEE 29-Dec-00 0.546 9.286804 0.05879 0.01 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 9.286804 99.94121 928.1344 0.145 FORMULA: 1000*(1+T)= 928.1344 = 919.6344 T = -43.86% R = -8.04% NLIC Asset Manager Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITSEND VALUE SURRENDER CHARGES 0 INIT DEPOSIT 06-Nov-00 1000.00 10.000000 100.00000 1 FEE 29-Dec-00 0.546 9.285322 0.05880 0.01 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 9.285322 99.94120 927.9862 0.145 FORMULA: 1000*(1+T)= 927.9862 = 919.4862 T = -43.92% R = -8.05% 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 AUV Information Portfolio 11/06/00 10 N/A N/A Information Portfolio Three Two One Yr YTD AUV AUV AUV AUV N/A N/A N/A 10 Information Portfolio 3 Months Today's Inception AUV AUV Total Average N/A 9.285322 -7.15% -39.99% Information Portfolio Ten Years Five Years Total Average Total Average N/A N/A N/A N/A Information Portfolio Three Years Two Years Total Average Total Average N/A N/A N/A N/A Information Portfolio One Year YTD Three Months N/A -7.15% N/A NLIC Asset Manager Information Portfolio 06-Nov-00 TO NO. YEARS 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITS END VALUE 0 INIT DEPOSIT 06-Nov-00 10.000000 100.00000 1 FEE 29-Dec-00 9.285322 0.05880 2 FEE N/A N/A 0.00000 3 FEE N/A N/A 0.00000 4 N/A N/A 0.00000 5 N/A N/A 0.00000 6 N/A N/A 0.00000 7 N/A N/A 0.00000 8 N/A N/A 0.00000 9 N/A N/A 0.00000 10 N/A N/A 0.00000 11 N/A N/A 0.00000 12 N/A N/A 0.00000 13 N/A N/A 0.00000 14 FEE N/A N/A 0.00000 15 FEE N/A N/A 0.00000 RESULTING VALUE 29-Dec-00 9.285322 99.94120 927.9862 FORMULA: 927.9862 1000*(1+T)= 919.4862 = T = -43.92% R = -8.05%
NLIC VA3
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 11.551251 86.57071 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.51611 865.1611 0.912 FORMULA: 1000*(1+T)= 865.1611 = 814.1610996 T = -20.19% R = -18.58% 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 11.758696 85.04344 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.98884 849.8884 0.912 FORMULA: 1000*(1+T)= 849.8884 = 798.8884359 T = -21.83% R = -20.11% 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 8.568598 116.70521 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.65061 1166.5061 0.912 FORMULA: 1000*(1+T)= 1166.5061 = 1115.506066 T = 12.74% R = 11.55% 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 11.168164 89.54023 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.48563 894.8563 0.912 FORMULA: 1000*(1+T)= 894.8563 = 843.856324 T = -16.99% R = -15.61% 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 12.748734 78.43916 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 78.38456 783.8456 0.912 FORMULA: 1000*(1+T)= 783.8456 = 732.845611 T = -28.89% R = -26.72% 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 12.901464 77.51058 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.45598 774.5598 0.912 FORMULA: 1000*(1+T)= 774.5598 = 723.559833 T = -29.88% R = -27.64% 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 10.662043 93.79066 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.73606 937.3606 0.912 FORMULA: 1000*(1+T)= 937.3606 = 886.3605532 T = -12.39% R = -11.36% 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 11.778304 84.90187 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.84727 848.4727 0.912 FORMULA: 1000*(1+T)= 848.4727 = 797.4726703 T = -21.98% R = -20.25% 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 9.072414 110.22425 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 110.16965 1101.6965 0.912 FORMULA: 1000*(1+T)= 1101.6965 = 1050.696468 T = 5.57% R = 5.07% 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 8.825358 113.30985 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 113.25525 1132.5525 0.912 FORMULA: 1000*(1+T)= 1132.5525 = 1081.55251 T = 8.98% R = 8.16% 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 10.762338 92.91661 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.86201 928.6201 0.145 FORMULA: 1000*(1+T)= 928.6201 = 877.6201347 T = -59.33% R = -12.24%
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 11.551251 N/A N/A Alliance Growth ..................... 01/31/00 11.758696 N/A N/A Alliance Growth and Income .......... 01/31/00 8.568598 N/A N/A Aim Cap App ......................... 01/31/00 11.168164 N/A N/A Aim Growth .......................... 01/31/00 12.748734 N/A N/A Aim Value ........................... 01/31/00 12.901464 N/A N/A Putnam International Growth 01/31/00 10.662043 N/A N/A Putnam Voyager ...................... 01/31/00 11.778304 N/A N/A Putnam Growth & Income .............. 01/31/00 9.072414 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.825358 N/A N/A Information Portfolio ............... 11/06/00 10.762338 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.43% -14.62% N/A Alliance Growth ..................... N/A 10 10 -14.96% -16.27% N/A Alliance Growth and Income .......... N/A 10 10 16.71% 18.45% N/A Aim Cap App ......................... N/A 10 10 -10.46% -11.41% N/A Aim Growth .......................... N/A 10 10 -21.56% -23.37% N/A Aim Value ........................... N/A 10 10 -22.49% -24.36% N/A Putnam International Growth N/A 10 10 -6.21% -6.79% N/A Putnam Voyager ...................... N/A 10 10 -15.10% -16.42% N/A Putnam Growth & Income .............. N/A 10 10 10.22% 11.26% N/A MSDW Mid Cap ........................ N/A 10 10 13.31% 14.68% N/A Information Portfolio ............... N/A 10 10 -7.08% -39.71% 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 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 12.180311 82.09971 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.04511 820.4511 1.000 FORMULA: 1000*(1+T)= 820.4511 - (0.85 * 1000 * 0.05) = 777.9511 T = -22.20% R = -22.20% 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 12.342435 81.02129 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.96669 809.6669 1.000 FORMULA: 1000*(1+T)= 809.6669 - (0.85 * 1000 * 0.05) = 767.1669 T = -23.28% R = -23.28% 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 8.935649 111.91129 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.85669 1118.5669 1.000 FORMULA: 1000*(1+T)= 1118.5669 - (0.85 * 1000 * 0.05) = 1076.0669 T = 7.61% R = 7.61% 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 11.377353 87.89391 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.83931 878.3931 1.000 FORMULA: 1000*(1+T)= 878.3931 - (0.85 * 1000 * 0.05) = 835.8931 T = -16.41% R = -16.41% 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 12.748734 78.43916 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.38456 783.8456 1.000 FORMULA: 1000*(1+T)= 783.8456 - (0.85 * 1000 * 0.05) = 741.3456 T = -25.87% R = -25.87% 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 13.242146 75.51646 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.46186 754.6186 1.000 FORMULA: 1000*(1+T)= 754.6186 - (0.85 * 1000 * 0.05) = 712.1186 T = -28.79% R = -28.79% 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 11.208337 89.21930 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 89.16470 891.6470 1.000 FORMULA: 1000*(1+T)= 891.6470 - (0.85 * 1000 * 0.05) = 849.1470 T = -15.09% R = -15.09% 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 12.144617 82.34101 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.28641 822.8641 1.000 FORMULA: 1000*(1+T)= 822.8641 - (0.85 * 1000 * 0.05) = 780.3641 T = -21.96% R = -21.96% 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 9.391874 106.47502 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.42042 1064.2042 1.000 FORMULA: 1000*(1+T)= 1064.2042 - (0.85 * 1000 * 0.05) = 1021.7042 T = 2.17% R = 2.17% 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 9.152293 109.26224 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 109.20764 1092.0764 1.000 FORMULA: 1000*(1+T)= 1092.0764 - (0.85 * 1000 * 0.05) = 1049.5764 T = 4.96% R = 4.96% 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 12.060607 0.04527 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 * 0.02) = #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 4.506805 221.88668 FEE 29-Dec-96 0.546 5.753970 0.09489 FEE 29-Dec-97 0.546 7.144195 0.07643 FEE 29-Dec-98 0.546 9.246714 0.05905 FEE 29-Dec-99 0.546 12.137562 0.04498 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 221.55673 2215.5673 5.000 FORMULA: 1000*(1+T)= 2215.5673 - (0.85 * 1000 * 0.02) = 2198.567312 T = 17.07% R = 119.86% 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 4.385068 228.04663 FEE 29-Dec-96 0.546 5.426876 0.10061 FEE 29-Dec-97 0.546 6.669816 0.08186 FEE 29-Dec-98 0.546 8.089171 0.06750 FEE 29-Dec-99 0.546 8.833783 0.06181 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 227.68026 2276.8026 5.000 FORMULA: 1000*(1+T)= 2276.8026 - (0.85 * 1000 * 0.02) = 2259.802571 T = 17.71% R = 125.98% 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 5.216219 191.70974 FEE 29-Dec-96 0.546 6.057722 0.09013 FEE 29-Dec-97 0.546 6.546221 0.08341 FEE 29-Dec-98 0.546 7.775761 0.07022 FEE 29-Dec-99 0.546 11.248322 0.04854 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 191.36284 1913.6284 5.000 FORMULA: 1000*(1+T)= 1913.6284 - (0.85 * 1000 * 0.02) = 1896.628437 T = 13.66% R = 89.66% 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 4.952300 201.92638 FEE 29-Dec-96 0.546 5.820232 0.09381 FEE 29-Dec-97 0.546 7.056696 0.07737 FEE 29-Dec-98 0.546 9.498610 0.05748 FEE 29-Dec-99 0.546 12.661670 0.04312 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 201.59999 2015.9999 5.000 FORMULA: 1000*(1+T)= 2015.9999 - (0.85 * 1000 * 0.02) = 1998.999893 T = 14.86% R = 99.90% 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 5.712873 175.04328 FEE 29-Dec-96 0.546 6.513318 0.08383 FEE 29-Dec-97 0.546 7.789522 0.07009 FEE 29-Dec-98 0.546 10.327676 0.05287 FEE 29-Dec-99 0.546 13.129979 0.04158 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 174.74030 1747.4030 5.000 FORMULA: 1000*(1+T)= 1747.4030 - (0.85 * 1000 * 0.02) = 1730.403008 T = 11.59% R = 73.04% 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 6.026893 0.09059 FEE 29-Dec-98 0.546 7.089310 0.07702 FEE 29-Dec-99 0.546 11.001779 0.04963 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 * 0.02) = #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 4.585835 218.06280 FEE 29-Dec-96 0.546 5.112807 0.10679 FEE 29-Dec-97 0.546 6.170599 0.08848 FEE 29-Dec-98 0.546 7.660255 0.07128 FEE 29-Dec-99 0.546 11.993031 0.04553 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 217.69612 2176.9612 5.000 FORMULA: 1000*(1+T)= 2176.9612 - (0.85 * 1000 * 0.02) = 2159.961173 T = 16.65% R = 116.00% 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 5.617922 178.00176 FEE 29-Dec-96 0.546 6.854413 0.07966 FEE 29-Dec-97 0.546 8.110717 0.06732 FEE 29-Dec-98 0.546 9.475241 0.05762 FEE 29-Dec-99 0.546 9.346925 0.05841 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 177.68415 1776.8415 5.000 FORMULA: 1000*(1+T)= 1776.8415 - (0.85 * 1000 * 0.02) = 1759.841455 T = 11.97% R = 75.98% 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 6.703594 0.08145 FEE 29-Dec-98 0.546 7.435005 0.07344 FEE 29-Dec-99 0.546 9.059215 0.06027 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 * 0.02) = #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 1.817897 550.08617 FEE 31-Dec-91 0.546 2.616004 0.20872 FEE 31-Dec-92 0.546 2.843765 0.19200 FEE 31-Dec-93 0.546 3.325013 0.16421 FEE 31-Dec-94 0.546 3.309216 0.16499 FEE 31-Dec-95 0.546 4.585456 0.11907 FEE 31-Dec-96 0.546 5.102552 0.10701 FEE 31-Dec-97 0.546 6.358843 0.08586 FEE 31-Dec-98 0.546 7.790638 0.07008 FEE 31-Dec-99 0.546 12.144617 0.04496 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 548.87467 5488.7467 10.000 FORMULA: 1000*(1+T)= 5488.7467 - (0.85 * 1000 * 0) = 5488.746687 T = 18.56% R = 448.87% 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 2.957585 338.11370 FEE 31-Dec-91 0.546 3.468157 0.15743 FEE 31-Dec-92 0.546 3.749394 0.14562 FEE 31-Dec-93 0.546 4.220102 0.12938 FEE 31-Dec-94 0.546 4.171384 0.13089 FEE 31-Dec-95 0.546 5.617457 0.09720 FEE 31-Dec-96 0.546 6.746152 0.08094 FEE 31-Dec-97 0.546 8.249880 0.06618 FEE 31-Dec-98 0.546 9.383148 0.05819 FEE 31-Dec-99 0.546 9.391874 0.05814 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 337.13513 3371.3513 10.000 FORMULA: 1000*(1+T)= 3371.3513 - (0.85 * 1000 * 0) = 3371.351295 T = 12.92% R = 237.14% 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 10.837667 92.27078 1 FEE 14-Jul-00 0.546 13.207926 0.04134 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.17484 921.7484 1.462 FORMULA: 1000*(1+T)= 921.7484 = 879.2484234 T = -8.43% R = -12.08% 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 3.219870 310.57154 1 FEE 15-Sep-95 0.546 4.335994 0.12592 0.06 2 FEE 15-Sep-96 0.546 5.049968 0.10812 0.05 3 FEE 15-Sep-97 0.546 6.890014 0.07925 0.05 4 15-Sep-98 0.546 7.263805 0.07517 0.04 5 15-Sep-99 0.546 10.060123 0.05427 0.03 6 15-Sep-00 0.546 11.959417 0.04565 0.02 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 310.02856 3100.2856 6.289 FORMULA: 1000*(1+T)= 3100.2856 = 3100.285622 T = 19.71% R = 210.03% 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 2.777490 360.03730 1 FEE 14-Jan-92 0.546 2.837482 0.19242 0.06 2 FEE 14-Jan-93 0.546 3.021453 0.18071 0.05 3 FEE 14-Jan-94 0.546 3.329561 0.16399 0.05 4 14-Jan-95 0.546 3.273087 0.16681 0.04 5 14-Jan-96 0.546 4.252010 0.12841 0.03 6 14-Jan-97 0.546 5.495613 0.09935 0.02 7 14-Jan-98 0.546 6.662421 0.08195 0 8 14-Jan-99 0.546 8.006184 0.06820 0 9 14-Jan-00 0.546 8.935649 0.06110 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 358.83975 3588.3975 9.958 FORMULA: 1000*(1+T)= 3588.3975 = 3588.397525 T = 13.69% R = 258.84% 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 3.254777 307.24071 1 FEE 05-May-94 0.546 3.839922 0.14219 0.06 2 FEE 05-May-95 0.546 4.283271 0.12747 0.05 3 FEE 05-May-96 0.546 5.798463 0.09416 0.05 4 05-May-97 0.546 6.082254 0.08977 0.04 5 05-May-98 0.546 7.681161 0.07108 0.03 6 05-May-99 0.546 8.190746 0.06666 0.02 7 05-May-00 0.546 11.670660 0.04678 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 306.54799 3065.4799 7.652 FORMULA: 1000*(1+T)= 3065.4799 = 3065.479882 T = 15.76% R = 206.55% 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 3.530941 283.21062 1 FEE 05-May-94 0.546 3.711693 0.14710 0.06 2 FEE 05-May-95 0.546 4.151195 0.13153 0.05 3 FEE 05-May-96 0.546 5.244357 0.10411 0.05 4 05-May-97 0.546 6.176609 0.08840 0.04 5 05-May-98 0.546 8.321646 0.06561 0.03 6 05-May-99 0.546 10.192618 0.05357 0.02 7 05-May-00 0.546 14.351918 0.03804 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 282.52766 2825.2766 7.652 FORMULA: 1000*(1+T)= 2825.2766 = 2825.27658 T = 14.54% R = 182.53% 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 3.639910 274.73207 1 FEE 05-May-94 0.546 4.230896 0.12905 0.06 2 FEE 05-May-95 0.546 4.785895 0.11409 0.05 3 FEE 05-May-96 0.546 5.768390 0.09465 0.05 4 05-May-97 0.546 6.943980 0.07863 0.04 5 05-May-98 0.546 8.938538 0.06108 0.03 6 05-May-99 0.546 11.240098 0.04858 0.02 7 05-May-00 0.546 14.374979 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 274.11341 2741.1341 7.652 FORMULA: 1000*(1+T)= 2741.1341 = 2741.13406 T = 14.09% R = 174.11% 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 5.309838 188.32966 1 FEE 02-Jan-98 0.546 6.105608 0.08943 0.06 2 FEE 02-Jan-99 0.546 7.099292 0.07691 0.05 3 FEE 02-Jan-00 0.546 11.394554 0.04792 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 188.06081 1880.6081 3.989 FORMULA: 1000*(1+T)= 1880.6081 = 1846.608101 T = 16.62% R = 84.66% 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 1.422019 703.22548 1 FEE 01-Feb-89 0.546 1.532371 0.35631 0.06 2 FEE 01-Feb-90 0.546 1.672894 0.32638 0.05 3 FEE 01-Feb-91 0.546 1.936722 0.28192 0.05 4 01-Feb-92 0.546 2.618480 0.20852 0.04 5 01-Feb-93 0.546 2.865138 0.19057 0.03 6 01-Feb-94 0.546 3.391742 0.16098 0.02 7 01-Feb-95 0.546 3.337591 0.16359 0 8 01-Feb-96 0.546 4.661987 0.11712 0 9 01-Feb-97 0.546 5.324735 0.10254 0 10 01-Feb-98 0.546 6.337703 0.08615 0 11 01-Feb-99 0.546 8.139785 0.06708 0 12 01-Feb-00 0.546 12.040259 0.04535 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 701.06438 7010.6438 12.909 FORMULA: 1000*(1+T)= 7010.6438 = 7010.64384 T = 16.28% R = 601.06% 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 2.082211 480.25872 1 FEE 01-Feb-89 0.546 2.592511 0.21061 0.06 2 FEE 01-Feb-90 0.546 2.826858 0.19315 0.05 3 FEE 01-Feb-91 0.546 3.065174 0.17813 0.05 4 01-Feb-92 0.546 3.479542 0.15692 0.04 5 01-Feb-93 0.546 3.796151 0.14383 0.03 6 01-Feb-94 0.546 4.333348 0.12600 0.02 7 01-Feb-95 0.546 4.269767 0.12788 0 8 01-Feb-96 0.546 5.756385 0.09485 0 9 01-Feb-97 0.546 7.022819 0.07775 0 10 01-Feb-98 0.546 8.268424 0.06603 0 11 01-Feb-99 0.546 9.433913 0.05788 0 12 01-Feb-00 0.546 9.072077 0.06018 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 478.71093 4787.1093 12.909 FORMULA: 1000*(1+T)= 4787.1093 = 4787.109253 T = 12.90% R = 378.71% 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 4.970257 201.19684 1 FEE 02-Jan-98 0.546 6.878984 0.07937 0.06 2 FEE 02-Jan-99 0.546 7.656639 0.07131 0.05 3 FEE 02-Jan-00 0.546 9.152293 0.05966 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 200.93190 2009.3190 3.989 FORMULA: 1000*(1+T)= 2009.3190 = 1975.318995 T = 18.61% R = 97.53% 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 10.762338 92.91661 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.86201 928.6201 0.145 FORMULA: 1000*(1+T)= 928.6201 = 877.6201347 T = -59.33% R = -12.24%
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 11.565113 86.46695 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.41235 864.1235 0.912 FORMULA: 1000*(1+T)= 864.1235 = 813.1234589 T = -20.30% R = -18.69% 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 11.772820 84.94142 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.88682 848.8682 0.912 FORMULA: 1000*(1+T)= 848.8682 = 797.8681591 T = -21.94% R = -20.21% 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 8.578882 116.56531 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.51071 1165.1071 0.912 FORMULA: 1000*(1+T)= 1165.1071 = 1114.107054 T = 12.58% R = 11.41% 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 11.181575 89.43284 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.37824 893.7824 0.912 FORMULA: 1000*(1+T)= 893.7824 = 842.7823929 T = -17.11% R = -15.72% 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 12.765479 78.33627 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 78.28167 782.8167 0.912 FORMULA: 1000*(1+T)= 782.8167 = 731.8166925 T = -29.00% R = -26.82% 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 12.916965 77.41757 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.36297 773.6297 0.912 FORMULA: 1000*(1+T)= 773.6297 = 722.6296674 T = -29.98% R = -27.74% 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 10.674847 93.67816 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.62356 936.2356 0.912 FORMULA: 1000*(1+T)= 936.2356 = 885.2355764 T = -12.52% R = -11.48% 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 11.792453 84.80000 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.74540 847.4540 0.912 FORMULA: 1000*(1+T)= 847.4540 = 796.4539878 T = -22.09% R = -20.35% 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 9.083286 110.09232 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 110.03772 1100.3772 0.912 FORMULA: 1000*(1+T)= 1100.3772 = 1049.377168 T = 5.43% R = 4.94% 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 8.835954 113.17397 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 113.11937 1131.1937 0.912 FORMULA: 1000*(1+T)= 1131.1937 = 1080.193708 T = 8.83% R = 8.02% 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 10.764394 92.89887 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.84427 928.4427 0.145 FORMULA: 1000*(1+T)= 928.4427 = 877.4426639 T = -59.38% R = -12.26%
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 11.565113 N/A N/A Alliance Growth ..................... 01/31/00 11.77282 N/A N/A Alliance Growth and Income .......... 01/31/00 8.578882 N/A N/A Aim Cap App ......................... 01/31/00 11.181575 N/A N/A Aim Growth .......................... 01/31/00 12.765479 N/A N/A Aim Value ........................... 01/31/00 12.916965 N/A N/A Putnam International Growth 01/31/00 10.674847 N/A N/A Putnam Voyager ...................... 01/31/00 11.792453 N/A N/A Putnam Growth & Income .............. 01/31/00 9.083286 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.835954 N/A N/A Information Portfolio ............... 11/06/00 10.764394 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.53% -14.73% N/A Alliance Growth ..................... N/A 10 10 -15.06% -16.38% N/A Alliance Growth and Income .......... N/A 10 10 16.57% 18.29% N/A Aim Cap App ......................... N/A 10 10 -10.57% -11.52% N/A Aim Growth .......................... N/A 10 10 -21.66% -23.48% N/A Aim Value ........................... N/A 10 10 -22.58% -24.46% N/A Putnam International Growth N/A 10 10 -6.32% -6.91% N/A Putnam Voyager ...................... N/A 10 10 -15.20% -16.53% N/A Putnam Growth & Income .............. N/A 10 10 10.09% 11.11% N/A MSDW Mid Cap ........................ N/A 10 10 13.17% 14.53% N/A Information Portfolio ............... N/A 10 10 -7.10% -39.79% 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 Inception 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 01/31/00 0.00% Putnam Voyager ...................... 0.00% Putnam Growth & Income .............. 0.00% MSDW Mid Cap ........................ 0.00% Information Portfolio ............... 0.00%
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 12.196363 81.99166 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.93706 819.3706 1.000 FORMULA: 1000*(1+T)= 819.3706 - (0.85 * 1000 * 0.05) = 776.8706 T = -22.31% R = -22.31% 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 12.358707 80.91461 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.86001 808.6001 1.000 FORMULA: 1000*(1+T)= 808.6001 - (0.85 * 1000 * 0.05) = 766.1001 T = -23.39% R = -23.39% 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 8.947415 111.76412 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.70952 1117.0952 1.000 FORMULA: 1000*(1+T)= 1117.0952 - (0.85 * 1000 * 0.05) = 1074.5952 T = 7.46% R = 7.46% 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 11.392289 87.77867 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.72407 877.2407 1.000 FORMULA: 1000*(1+T)= 877.2407 - (0.85 * 1000 * 0.05) = 834.7407 T = -16.53% R = -16.53% 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 12.765479 78.33627 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.28167 782.8167 1.000 FORMULA: 1000*(1+T)= 782.8167 - (0.85 * 1000 * 0.05) = 740.3167 T = -25.97% R = -25.97% 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 13.259538 75.41741 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.36281 753.6281 1.000 FORMULA: 1000*(1+T)= 753.6281 - (0.85 * 1000 * 0.05) = 711.1281 T = -28.89% R = -28.89% 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 11.223054 89.10231 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 89.04771 890.4771 1.000 FORMULA: 1000*(1+T)= 890.4771 - (0.85 * 1000 * 0.05) = 847.9771 T = -15.20% R = -15.20% 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 12.160567 82.23301 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.17841 821.7841 1.000 FORMULA: 1000*(1+T)= 821.7841 - (0.85 * 1000 * 0.05) = 779.2841 T = -22.07% R = -22.07% 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 9.404186 106.33563 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.28103 1062.8103 1.000 FORMULA: 1000*(1+T)= 1062.8103 - (0.85 * 1000 * 0.05) = 1020.3103 T = 2.03% R = 2.03% 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 9.164342 109.11858 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 109.06398 1090.6398 1.000 FORMULA: 1000*(1+T)= 1090.6398 - (0.85 * 1000 * 0.05) = 1048.1398 T = 4.81% R = 4.81% 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 12.076588 0.04521 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 * 0.02) = #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 4.536619 220.42847 FEE 29-Dec-96 0.546 5.784418 0.09439 FEE 29-Dec-97 0.546 7.172541 0.07612 FEE 29-Dec-98 0.546 9.271173 0.05889 FEE 29-Dec-99 0.546 12.153651 0.04492 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 220.09954 2200.9954 5.000 FORMULA: 1000*(1+T)= 2200.9954 - (0.85 * 1000 * 0.02) = 2183.995411 T = 16.91% R = 118.40% 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 4.414064 226.54860 FEE 29-Dec-96 0.546 5.455570 0.10008 FEE 29-Dec-97 0.546 6.696275 0.08154 FEE 29-Dec-98 0.546 8.110567 0.06732 FEE 29-Dec-99 0.546 8.845479 0.06173 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 226.18333 2261.8333 5.000 FORMULA: 1000*(1+T)= 2261.8333 - (0.85 * 1000 * 0.02) = 2244.833305 T = 17.55% R = 124.48% 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 5.250715 190.45025 FEE 29-Dec-96 0.546 6.089765 0.08966 FEE 29-Dec-97 0.546 6.572167 0.08308 FEE 29-Dec-98 0.546 7.796289 0.07003 FEE 29-Dec-99 0.546 11.263169 0.04848 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 190.10441 1901.0441 5.000 FORMULA: 1000*(1+T)= 1901.0441 - (0.85 * 1000 * 0.02) = 1884.044068 T = 13.51% R = 88.40% 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 4.985055 200.59959 FEE 29-Dec-96 0.546 5.851011 0.09332 FEE 29-Dec-97 0.546 7.084680 0.07707 FEE 29-Dec-98 0.546 9.523710 0.05733 FEE 29-Dec-99 0.546 12.678392 0.04307 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 200.27421 2002.7421 5.000 FORMULA: 1000*(1+T)= 2002.7421 - (0.85 * 1000 * 0.02) = 1985.742113 T = 14.71% R = 98.57% 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 5.750674 173.89266 FEE 29-Dec-96 0.546 6.547785 0.08339 FEE 29-Dec-97 0.546 7.820401 0.06982 FEE 29-Dec-98 0.546 10.354956 0.05273 FEE 29-Dec-99 0.546 13.147319 0.04153 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 173.59060 1735.9060 5.000 FORMULA: 1000*(1+T)= 1735.9060 - (0.85 * 1000 * 0.02) = 1718.905981 T = 11.44% R = 71.89% 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 6.050724 0.09024 FEE 29-Dec-98 0.546 7.107986 0.07682 FEE 29-Dec-99 0.546 11.016304 0.04956 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 * 0.02) = #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 4.616141 216.63116 FEE 29-Dec-96 0.546 5.139852 0.10623 FEE 29-Dec-97 0.546 6.195027 0.08814 FEE 29-Dec-98 0.546 7.680453 0.07109 FEE 29-Dec-99 0.546 12.008868 0.04547 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 216.26564 2162.6564 5.000 FORMULA: 1000*(1+T)= 2162.6564 - (0.85 * 1000 * 0.02) = 2145.656445 T = 16.50% R = 114.57% 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 5.655054 176.83297 FEE 29-Dec-96 0.546 6.890679 0.07924 FEE 29-Dec-97 0.546 8.142844 0.06705 FEE 29-Dec-98 0.546 9.500257 0.05747 FEE 29-Dec-99 0.546 9.359246 0.05834 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 176.51627 1765.1627 5.000 FORMULA: 1000*(1+T)= 1765.1627 - (0.85 * 1000 * 0.02) = 1748.162706 T = 11.82% R = 74.82% 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 6.730189 0.08113 FEE 29-Dec-98 0.546 7.454671 0.07324 FEE 29-Dec-99 0.546 9.071206 0.06019 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 * 0.02) = #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 1.841987 542.89200 FEE 31-Dec-91 0.546 2.647183 0.20626 FEE 31-Dec-92 0.546 2.873875 0.18999 FEE 31-Dec-93 0.546 3.355802 0.16270 FEE 31-Dec-94 0.546 3.335454 0.16370 FEE 31-Dec-95 0.546 4.615726 0.11829 FEE 31-Dec-96 0.546 5.129469 0.10644 FEE 31-Dec-97 0.546 6.383971 0.08553 FEE 31-Dec-98 0.546 7.811125 0.06990 FEE 31-Dec-99 0.546 12.160567 0.04490 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 541.68969 5416.8969 10.000 FORMULA: 1000*(1+T)= 5416.8969 - (0.85 * 1000 * 0) = 5416.896918 T = 18.41% R = 441.69% 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 2.996800 333.68927 FEE 31-Dec-91 0.546 3.509514 0.15558 FEE 31-Dec-92 0.546 3.789100 0.14410 FEE 31-Dec-93 0.546 4.259164 0.12819 FEE 31-Dec-94 0.546 4.204457 0.12986 FEE 31-Dec-95 0.546 5.654546 0.09656 FEE 31-Dec-96 0.546 6.781747 0.08051 FEE 31-Dec-97 0.546 8.282499 0.06592 FEE 31-Dec-98 0.546 9.407852 0.05804 FEE 31-Dec-99 0.546 9.404186 0.05806 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 332.71785 3327.1785 10.000 FORMULA: 1000*(1+T)= 3327.1785 - (0.85 * 1000 * 0) = 3327.178498 T = 12.77% R = 232.72% 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 10.858621 92.09273 1 FEE 14-Jul-00 0.546 13.215942 0.04131 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.99681 919.9681 1.462 FORMULA: 1000*(1+T)= 919.9681 = 877.4681148 T = -8.55% R = -12.25% 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 3.246569 308.01748 1 FEE 15-Sep-95 0.546 4.366557 0.12504 0.06 2 FEE 15-Sep-96 0.546 5.078608 0.10751 0.05 3 FEE 15-Sep-97 0.546 6.919975 0.07890 0.05 4 15-Sep-98 0.546 7.285776 0.07494 0.04 5 15-Sep-99 0.546 10.077273 0.05418 0.03 6 15-Sep-00 0.546 11.963946 0.04564 0.02 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 307.47667 3074.7667 6.289 FORMULA: 1000*(1+T)= 3074.7667 = 3074.766673 T = 19.56% R = 207.48% 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 2.814035 355.36161 1 FEE 14-Jan-92 0.546 2.871184 0.19017 0.06 2 FEE 14-Jan-93 0.546 3.053336 0.17882 0.05 3 FEE 14-Jan-94 0.546 3.360297 0.16249 0.05 4 14-Jan-95 0.546 3.298954 0.16551 0.04 5 14-Jan-96 0.546 4.279880 0.12757 0.03 6 14-Jan-97 0.546 5.524352 0.09884 0.02 7 14-Jan-98 0.546 6.688465 0.08163 0 8 14-Jan-99 0.546 8.026898 0.06802 0 9 14-Jan-00 0.546 8.947415 0.06102 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 354.17294 3541.7294 9.958 FORMULA: 1000*(1+T)= 3541.7294 = 3541.729418 T = 13.54% R = 254.17% 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 3.287770 304.15753 1 FEE 05-May-94 0.546 3.873736 0.14095 0.06 2 FEE 05-May-95 0.546 4.315302 0.12653 0.05 3 FEE 05-May-96 0.546 5.834128 0.09359 0.05 4 05-May-97 0.546 6.111617 0.08934 0.04 5 05-May-98 0.546 7.708072 0.07083 0.03 6 05-May-99 0.546 8.208607 0.06652 0.02 7 05-May-00 0.546 11.680676 0.04674 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 303.46843 3034.6843 7.652 FORMULA: 1000*(1+T)= 3034.6843 = 3034.68434 T = 15.61% R = 203.47% 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 3.566744 280.36775 1 FEE 05-May-94 0.546 3.744395 0.14582 0.06 2 FEE 05-May-95 0.546 4.182243 0.13055 0.05 3 FEE 05-May-96 0.546 5.276606 0.10348 0.05 4 05-May-97 0.546 6.206431 0.08797 0.04 5 05-May-98 0.546 8.350815 0.06538 0.03 6 05-May-99 0.546 10.214865 0.05345 0.02 7 05-May-00 0.546 14.366066 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 279.68849 2796.8849 7.652 FORMULA: 1000*(1+T)= 2796.8849 = 2796.884934 T = 14.39% R = 179.69% 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 3.676831 271.97334 1 FEE 05-May-94 0.546 4.268175 0.12792 0.06 2 FEE 05-May-95 0.546 4.821703 0.11324 0.05 3 FEE 05-May-96 0.546 5.803881 0.09407 0.05 4 05-May-97 0.546 6.977513 0.07825 0.04 5 05-May-98 0.546 8.969858 0.06087 0.03 6 05-May-99 0.546 11.264622 0.04847 0.02 7 05-May-00 0.546 14.389144 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 271.35796 2713.5796 7.652 FORMULA: 1000*(1+T)= 2713.5796 = 2713.579639 T = 13.93% R = 171.36% 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 5.337777 187.34391 1 FEE 02-Jan-98 0.546 6.129662 0.08908 0.06 2 FEE 02-Jan-99 0.546 7.117943 0.07671 0.05 3 FEE 02-Jan-00 0.546 11.409475 0.04785 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 187.07567 1870.7567 3.989 FORMULA: 1000*(1+T)= 1870.7567 = 1836.756698 T = 16.46% R = 83.68% 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 1.446406 691.36881 1 FEE 01-Feb-89 0.546 1.556605 0.35076 0.06 2 FEE 01-Feb-90 0.546 1.697098 0.32173 0.05 3 FEE 01-Feb-91 0.546 1.962156 0.27827 0.05 4 01-Feb-92 0.546 2.649393 0.20608 0.04 5 01-Feb-93 0.546 2.895140 0.18859 0.03 6 01-Feb-94 0.546 3.422754 0.15952 0.02 7 01-Feb-95 0.546 3.363664 0.16232 0 8 01-Feb-96 0.546 4.692223 0.11636 0 9 01-Feb-97 0.546 5.352228 0.10201 0 10 01-Feb-98 0.546 6.362038 0.08582 0 11 01-Feb-99 0.546 8.160249 0.06691 0 12 01-Feb-00 0.546 12.054680 0.04529 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 689.23054 6892.3054 12.909 FORMULA: 1000*(1+T)= 6892.3054 = 6892.305373 T = 16.13% R = 589.23% 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 2.117929 472.15936 1 FEE 01-Feb-89 0.546 2.633509 0.20733 0.06 2 FEE 01-Feb-90 0.546 2.867783 0.19039 0.05 3 FEE 01-Feb-91 0.546 3.105455 0.17582 0.05 4 01-Feb-92 0.546 3.520638 0.15509 0.04 5 01-Feb-93 0.546 3.835909 0.14234 0.03 6 01-Feb-94 0.546 4.372959 0.12486 0.02 7 01-Feb-95 0.546 4.303125 0.12688 0 8 01-Feb-96 0.546 5.793724 0.09424 0 9 01-Feb-97 0.546 7.059083 0.07735 0 10 01-Feb-98 0.546 8.300194 0.06578 0 11 01-Feb-99 0.546 9.457659 0.05773 0 12 01-Feb-00 0.546 9.082916 0.06011 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 470.62684 4706.2684 12.909 FORMULA: 1000*(1+T)= 4706.2684 = 4706.268409 T = 12.75% R = 370.63% 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 4.996483 200.14078 1 FEE 02-Jan-98 0.546 6.906177 0.07906 0.06 2 FEE 02-Jan-99 0.546 7.676808 0.07112 0.05 3 FEE 02-Jan-00 0.546 9.164342 0.05958 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 199.87642 1998.7642 3.989 FORMULA: 1000*(1+T)= 1998.7642 = 1964.764173 T = 18.45% R = 96.48% 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 10.764394 92.89887 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.84427 928.4427 0.145 FORMULA: 1000*(1+T)= 928.4427 = 877.4426639 T = -59.38% R = -12.26%
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 11.576875 86.37910 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.32450 863.2450 0.912 FORMULA: 1000*(1+T)= 863.2450 = 812.2449626 T = -20.39% R = -18.78% 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 11.784799 84.85507 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.80047 848.0047 0.912 FORMULA: 1000*(1+T)= 848.0047 = 797.0047475 T = -22.03% R = -20.30% 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 8.587585 116.44717 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.39257 1163.9257 0.912 FORMULA: 1000*(1+T)= 1163.9257 = 1112.925734 T = 12.45% R = 11.29% 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 11.192959 89.34188 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.28728 892.8728 0.912 FORMULA: 1000*(1+T)= 892.8728 = 841.8728002 T = -17.20% R = -15.81% 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 12.779686 78.24918 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 78.19458 781.9458 0.912 FORMULA: 1000*(1+T)= 781.9458 = 730.945839 T = -29.09% R = -26.91% 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 12.930122 77.33879 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.28419 772.8419 0.912 FORMULA: 1000*(1+T)= 772.8419 = 721.8419077 T = -30.06% R = -27.82% 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 10.685707 93.58295 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.52835 935.2835 0.912 FORMULA: 1000*(1+T)= 935.2835 = 884.2835151 T = -12.62% R = -11.57% 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 11.804460 84.71374 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.65914 846.5914 0.912 FORMULA: 1000*(1+T)= 846.5914 = 795.5914379 T = -22.18% R = -20.44% 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 9.092503 109.98072 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.92612 1099.2612 0.912 FORMULA: 1000*(1+T)= 1099.2612 = 1048.261171 T = 5.31% R = 4.83% 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 8.844926 113.05917 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 113.00457 1130.0457 0.912 FORMULA: 1000*(1+T)= 1130.0457 = 1079.045709 T = 8.70% R = 7.90% 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 10.766134 92.88385 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.82925 928.2925 0.145 FORMULA: 1000*(1+T)= 928.2925 = 877.2925227 T = -59.43% R = -12.27%
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 11.576875 N/A N/A Alliance Growth ..................... 01/31/00 11.784799 N/A N/A Alliance Growth and Income .......... 01/31/00 8.587585 N/A N/A Aim Cap App ......................... 01/31/00 11.192959 N/A N/A Aim Growth .......................... 01/31/00 12.779686 N/A N/A Aim Value ........................... 01/31/00 12.930122 N/A N/A Putnam International Growth 01/31/00 10.685707 N/A N/A Putnam Voyager ...................... 01/31/00 11.80446 N/A N/A Putnam Growth & Income .............. 01/31/00 9.092503 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.844926 N/A N/A Information Portfolio ............... 11/06/00 10.766134 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.62% -14.83% N/A Alliance Growth ..................... N/A 10 10 -15.14% -16.47% N/A Alliance Growth and Income .......... N/A 10 10 16.45% 18.16% N/A Aim Cap App ......................... N/A 10 10 -10.66% -11.62% N/A Aim Growth .......................... N/A 10 10 -21.75% -23.57% N/A Aim Value ........................... N/A 10 10 -22.66% -24.55% N/A Putnam International Growth N/A 10 10 -6.42% -7.01% N/A Putnam Voyager ...................... N/A 10 10 -15.29% -16.63% N/A Putnam Growth & Income .............. N/A 10 10 9.98% 10.99% N/A MSDW Mid Cap ........................ N/A 10 10 13.06% 14.40% N/A Information Portfolio ............... N/A 10 10 -7.12% -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 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 12.209983 81.90020 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.84560 818.4560 1.000 FORMULA: 1000*(1+T)= 818.4560 - (0.85 * 1000 * 0.05) = 775.9560 T = -22.40% R = -22.40% 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 12.372509 80.82435 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.76975 807.6975 1.000 FORMULA: 1000*(1+T)= 807.6975 - (0.85 * 1000 * 0.05) = 765.1975 T = -23.48% R = -23.48% 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 8.957374 111.63986 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.58526 1115.8526 1.000 FORMULA: 1000*(1+T)= 1115.8526 - (0.85 * 1000 * 0.05) = 1073.3526 T = 7.34% R = 7.34% 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 11.404967 87.68110 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.62650 876.2650 1.000 FORMULA: 1000*(1+T)= 876.2650 - (0.85 * 1000 * 0.05) = 833.7650 T = -16.62% R = -16.62% 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 12.779686 78.24918 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.19458 781.9458 1.000 FORMULA: 1000*(1+T)= 781.9458 - (0.85 * 1000 * 0.05) = 739.4458 T = -26.06% R = -26.06% 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 13.274303 75.33352 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.27892 752.7892 1.000 FORMULA: 1000*(1+T)= 752.7892 - (0.85 * 1000 * 0.05) = 710.2892 T = -28.97% R = -28.97% 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 11.235537 89.00331 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.94871 889.4871 1.000 FORMULA: 1000*(1+T)= 889.4871 - (0.85 * 1000 * 0.05) = 846.9871 T = -15.30% R = -15.30% 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 12.174103 82.14158 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.08698 820.8698 1.000 FORMULA: 1000*(1+T)= 820.8698 - (0.85 * 1000 * 0.05) = 778.3698 T = -22.16% R = -22.16% 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 9.414622 106.21775 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.16315 1061.6315 1.000 FORMULA: 1000*(1+T)= 1061.6315 - (0.85 * 1000 * 0.05) = 1019.1315 T = 1.91% R = 1.91% 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 9.174546 108.99722 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.94262 1089.4262 1.000 FORMULA: 1000*(1+T)= 1089.4262 - (0.85 * 1000 * 0.05) = 1046.9262 T = 4.69% R = 4.69% 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 12.090149 0.04516 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 * 0.02) = #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 4.562045 219.19994 FEE 29-Dec-96 0.546 5.810341 0.09397 FEE 29-Dec-97 0.546 7.196650 0.07587 FEE 29-Dec-98 0.546 9.291955 0.05876 FEE 29-Dec-99 0.546 12.167298 0.04487 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 218.87187 2188.7187 5.000 FORMULA: 1000*(1+T)= 2188.7187 - (0.85 * 1000 * 0.02) = 2171.718682 T = 16.78% R = 117.17% 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 4.438806 225.28581 FEE 29-Dec-96 0.546 5.480026 0.09963 FEE 29-Dec-97 0.546 6.718768 0.08126 FEE 29-Dec-98 0.546 8.128725 0.06717 FEE 29-Dec-99 0.546 8.855377 0.06166 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 224.92148 2249.2148 5.000 FORMULA: 1000*(1+T)= 2249.2148 - (0.85 * 1000 * 0.02) = 2232.214827 T = 17.42% R = 123.22% 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 5.280126 189.38942 FEE 29-Dec-96 0.546 6.117025 0.08926 FEE 29-Dec-97 0.546 6.594234 0.08280 FEE 29-Dec-98 0.546 7.813727 0.06988 FEE 29-Dec-99 0.546 11.275772 0.04842 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 189.04446 1890.4446 5.000 FORMULA: 1000*(1+T)= 1890.4446 - (0.85 * 1000 * 0.02) = 1873.444618 T = 13.38% R = 87.34% 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 5.012987 199.48187 FEE 29-Dec-96 0.546 5.877219 0.09290 FEE 29-Dec-97 0.546 7.108464 0.07681 FEE 29-Dec-98 0.546 9.545017 0.05720 FEE 29-Dec-99 0.546 12.692580 0.04302 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 199.15733 1991.5733 5.000 FORMULA: 1000*(1+T)= 1991.5733 - (0.85 * 1000 * 0.02) = 1974.57335 T = 14.58% R = 97.46% 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 5.782864 172.92470 FEE 29-Dec-96 0.546 6.577098 0.08302 FEE 29-Dec-97 0.546 7.846658 0.06958 FEE 29-Dec-98 0.546 10.378133 0.05261 FEE 29-Dec-99 0.546 13.162039 0.04148 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 172.62340 1726.2340 5.000 FORMULA: 1000*(1+T)= 1726.2340 - (0.85 * 1000 * 0.02) = 1709.234035 T = 11.32% R = 70.92% 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 6.071003 0.08994 FEE 29-Dec-98 0.546 7.123852 0.07664 FEE 29-Dec-99 0.546 11.028623 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 * 0.02) = #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 4.641985 215.42508 FEE 29-Dec-96 0.546 5.162881 0.10575 FEE 29-Dec-97 0.546 6.215806 0.08784 FEE 29-Dec-98 0.546 7.697616 0.07093 FEE 29-Dec-99 0.546 12.022308 0.04542 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 215.06054 2150.6054 5.000 FORMULA: 1000*(1+T)= 2150.6054 - (0.85 * 1000 * 0.02) = 2133.6054 T = 16.37% R = 113.36% 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 5.686728 175.84804 FEE 29-Dec-96 0.546 6.921573 0.07888 FEE 29-Dec-97 0.546 8.170165 0.06683 FEE 29-Dec-98 0.546 9.521497 0.05734 FEE 29-Dec-99 0.546 9.369689 0.05827 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 175.53212 1755.3212 5.000 FORMULA: 1000*(1+T)= 1755.3212 - (0.85 * 1000 * 0.02) = 1738.321155 T = 11.69% R = 73.83% 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 6.752798 0.08086 FEE 29-Dec-98 0.546 7.471355 0.07308 FEE 29-Dec-99 0.546 9.081362 0.06012 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 * 0.02) = #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 1.862668 536.86433 FEE 31-Dec-91 0.546 2.673918 0.20419 FEE 31-Dec-92 0.546 2.899647 0.18830 FEE 31-Dec-93 0.546 3.382100 0.16144 FEE 31-Dec-94 0.546 3.357857 0.16260 FEE 31-Dec-95 0.546 4.641539 0.11763 FEE 31-Dec-96 0.546 5.152389 0.10597 FEE 31-Dec-97 0.546 6.405345 0.08524 FEE 31-Dec-98 0.546 7.828532 0.06974 FEE 31-Dec-99 0.546 12.174103 0.04485 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 535.66975 5356.6975 10.000 FORMULA: 1000*(1+T)= 5356.6975 - (0.85 * 1000 * 0) = 5356.697513 T = 18.27% R = 435.67% 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 3.030418 329.98748 FEE 31-Dec-91 0.546 3.544935 0.15402 FEE 31-Dec-92 0.546 3.823071 0.14282 FEE 31-Dec-93 0.546 4.292570 0.12720 FEE 31-Dec-94 0.546 4.232699 0.12900 FEE 31-Dec-95 0.546 5.686182 0.09602 FEE 31-Dec-96 0.546 6.812069 0.08015 FEE 31-Dec-97 0.546 8.310238 0.06570 FEE 31-Dec-98 0.546 9.428828 0.05791 FEE 31-Dec-99 0.546 9.414622 0.05799 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 329.02207 3290.2207 10.000 FORMULA: 1000*(1+T)= 3290.2207 - (0.85 * 1000 * 0) = 3290.220697 T = 12.65% R = 229.02% 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 10.876395 91.94223 1 FEE 14-Jul-00 0.546 13.222737 0.04129 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.84634 918.4634 1.462 FORMULA: 1000*(1+T)= 918.4634 = 875.9633651 T = -8.66% R = -12.40% 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 3.269374 305.86895 1 FEE 15-Sep-95 0.546 4.392634 0.12430 0.06 2 FEE 15-Sep-96 0.546 5.103008 0.10700 0.05 3 FEE 15-Sep-97 0.546 6.945463 0.07861 0.05 4 15-Sep-98 0.546 7.304451 0.07475 0.04 5 15-Sep-99 0.546 10.091833 0.05410 0.03 6 15-Sep-00 0.546 11.967798 0.04562 0.02 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 305.32997 3053.2997 6.289 FORMULA: 1000*(1+T)= 3053.2997 = 3053.299706 T = 19.42% R = 205.33% 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 2.845403 351.44407 1 FEE 14-Jan-92 0.546 2.900081 0.18827 0.06 2 FEE 14-Jan-93 0.546 3.080638 0.17724 0.05 3 FEE 14-Jan-94 0.546 3.386583 0.16122 0.05 4 14-Jan-95 0.546 3.321049 0.16441 0.04 5 14-Jan-96 0.546 4.303659 0.12687 0.03 6 14-Jan-97 0.546 5.548846 0.09840 0.02 7 14-Jan-98 0.546 6.710604 0.08136 0 8 14-Jan-99 0.546 8.044476 0.06787 0 9 14-Jan-00 0.546 8.957374 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 350.26287 3502.6287 9.958 FORMULA: 1000*(1+T)= 3502.6287 = 3502.628697 T = 13.42% R = 250.26% 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 3.315989 301.56915 1 FEE 05-May-94 0.546 3.902624 0.13991 0.06 2 FEE 05-May-95 0.546 4.342627 0.12573 0.05 3 FEE 05-May-96 0.546 5.864502 0.09310 0.05 4 05-May-97 0.546 6.136593 0.08897 0.04 5 05-May-98 0.546 7.730948 0.07063 0.03 6 05-May-99 0.546 8.223768 0.06639 0.02 7 05-May-00 0.546 11.689175 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 300.88311 3008.8311 7.652 FORMULA: 1000*(1+T)= 3008.8311 = 3008.831135 T = 15.48% R = 200.88% 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 3.597371 277.98078 1 FEE 05-May-94 0.546 3.772319 0.14474 0.06 2 FEE 05-May-95 0.546 4.208747 0.12973 0.05 3 FEE 05-May-96 0.546 5.304098 0.10294 0.05 4 05-May-97 0.546 6.231805 0.08762 0.04 5 05-May-98 0.546 8.375595 0.06519 0.03 6 05-May-99 0.546 10.233741 0.05335 0.02 7 05-May-00 0.546 14.378065 0.03797 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 277.30464 2773.0464 7.652 FORMULA: 1000*(1+T)= 2773.0464 = 2773.046414 T = 14.26% R = 177.30% 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 3.708365 269.66062 1 FEE 05-May-94 0.546 4.299995 0.12698 0.06 2 FEE 05-May-95 0.546 4.852226 0.11253 0.05 3 FEE 05-May-96 0.546 5.834096 0.09359 0.05 4 05-May-97 0.546 7.006034 0.07793 0.04 5 05-May-98 0.546 8.996480 0.06069 0.03 6 05-May-99 0.546 11.285450 0.04838 0.02 7 05-May-00 0.546 14.401169 0.03791 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 269.04801 2690.4801 7.652 FORMULA: 1000*(1+T)= 2690.4801 = 2690.480106 T = 13.81% R = 169.05% 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 5.361592 186.51177 1 FEE 02-Jan-98 0.546 6.150131 0.08878 0.06 2 FEE 02-Jan-99 0.546 7.133788 0.07654 0.05 3 FEE 02-Jan-00 0.546 11.422131 0.04780 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 186.24405 1862.4405 3.989 FORMULA: 1000*(1+T)= 1862.4405 = 1828.440497 T = 16.33% R = 82.84% 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 1.467420 681.46815 1 FEE 01-Feb-89 0.546 1.577446 0.34613 0.06 2 FEE 01-Feb-90 0.546 1.717900 0.31783 0.05 3 FEE 01-Feb-91 0.546 1.983995 0.27520 0.05 4 01-Feb-92 0.546 2.675899 0.20404 0.04 5 01-Feb-93 0.546 2.920816 0.18693 0.03 6 01-Feb-94 0.546 3.449239 0.15830 0.02 7 01-Feb-95 0.546 3.385923 0.16126 0 8 01-Feb-96 0.546 4.718000 0.11573 0 9 01-Feb-97 0.546 5.375632 0.10157 0 10 01-Feb-98 0.546 6.382734 0.08554 0 11 01-Feb-99 0.546 8.177637 0.06677 0 12 01-Feb-00 0.546 12.066918 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 679.34901 6793.4901 12.909 FORMULA: 1000*(1+T)= 6793.4901 = 6793.490095 T = 16.00% R = 579.35% 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 2.148661 465.40613 1 FEE 01-Feb-89 0.546 2.668743 0.20459 0.06 2 FEE 01-Feb-90 0.546 2.902901 0.18809 0.05 3 FEE 01-Feb-91 0.546 3.139986 0.17389 0.05 4 01-Feb-92 0.546 3.555837 0.15355 0.04 5 01-Feb-93 0.546 3.869927 0.14109 0.03 6 01-Feb-94 0.546 4.406824 0.12390 0.02 7 01-Feb-95 0.546 4.331605 0.12605 0 8 01-Feb-96 0.546 5.825571 0.09372 0 9 01-Feb-97 0.546 7.089972 0.07701 0 10 01-Feb-98 0.546 8.327201 0.06557 0 11 01-Feb-99 0.546 9.477815 0.05761 0 12 01-Feb-00 0.546 9.092105 0.06005 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 463.88641 4638.8641 12.909 FORMULA: 1000*(1+T)= 4638.8641 = 4638.864144 T = 12.62% R = 363.89% 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 5.018802 199.25074 1 FEE 02-Jan-98 0.546 6.929292 0.07880 0.06 2 FEE 02-Jan-99 0.546 7.693920 0.07097 0.05 3 FEE 02-Jan-00 0.546 9.174546 0.05951 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 198.98686 1989.8686 3.989 FORMULA: 1000*(1+T)= 1989.8686 = 1955.86864 T = 18.31% R = 95.59% 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 10.766134 92.88385 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.82925 928.2925 0.145 FORMULA: 1000*(1+T)= 928.2925 = 877.2925227 T = -59.43% R = -12.27%
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 11.583304 86.33115 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.27655 862.7655 0.912 FORMULA: 1000*(1+T)= 862.7655 = 811.7655387 T = -20.45% R = -18.82% 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 11.791325 84.80811 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.75351 847.5351 0.912 FORMULA: 1000*(1+T)= 847.5351 = 796.5351105 T = -22.08% R = -20.35% 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 8.592350 116.38260 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.32800 1163.2800 0.912 FORMULA: 1000*(1+T)= 1163.2800 = 1112.279961 T = 12.38% R = 11.23% 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 11.199175 89.29229 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.23769 892.3769 0.912 FORMULA: 1000*(1+T)= 892.3769 = 841.3769162 T = -17.26% R = -15.86% 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 12.787433 78.20178 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 78.14718 781.4718 0.912 FORMULA: 1000*(1+T)= 781.4718 = 730.4717826 T = -29.14% R = -26.95% 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 12.937292 77.29593 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.24133 772.4133 0.912 FORMULA: 1000*(1+T)= 772.4133 = 721.413287 T = -30.10% R = -27.86% 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 10.691632 93.53109 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.47649 934.7649 0.912 FORMULA: 1000*(1+T)= 934.7649 = 883.7649048 T = -12.67% R = -11.62% 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 11.811017 84.66671 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.61211 846.1211 0.912 FORMULA: 1000*(1+T)= 846.1211 = 795.1211414 T = -22.23% R = -20.49% 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 9.097547 109.91974 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.86514 1098.6514 0.912 FORMULA: 1000*(1+T)= 1098.6514 = 1047.651399 T = 5.24% R = 4.77% 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 8.849834 112.99647 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 112.94187 1129.4187 0.912 FORMULA: 1000*(1+T)= 1129.4187 = 1078.418698 T = 8.63% R = 7.84% 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 10.767089 92.87561 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.82101 928.2101 0.145 FORMULA: 1000*(1+T)= 928.2101 = 877.2101383 T = -59.46% R = -12.28%
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 11.583304 N/A N/A Alliance Growth ..................... 01/31/00 11.791325 N/A N/A Alliance Growth and Income .......... 01/31/00 8.59235 N/A N/A Aim Cap App ......................... 01/31/00 11.199175 N/A N/A Aim Growth .......................... 01/31/00 12.787433 N/A N/A Aim Value ........................... 01/31/00 12.937292 N/A N/A Putnam International Growth 01/31/00 10.691632 N/A N/A Putnam Voyager ...................... 01/31/00 11.811017 N/A N/A Putnam Growth & Income .............. 01/31/00 9.097547 N/A N/A MSDW Mid Cap ........................ 01/31/00 8.849834 N/A N/A Information Portfolio ............... 11/06/00 10.767089 N/A N/A One Yr YTD Today's Fund ................................ AUV AUV AUV AUV Total Alliance Premier Growth ............. N/A 10 10 -13.67% -14.88% N/A Alliance Growth ..................... N/A 10 10 -15.19% -16.52% N/A Alliance Growth and Income .......... N/A 10 10 16.38% 18.09% N/A Aim Cap App ......................... N/A 10 10 -10.71% -11.67% N/A Aim Growth .......................... N/A 10 10 -21.80% -23.62% N/A Aim Value ........................... N/A 10 10 -22.70% -24.59% N/A Putnam International Growth N/A 10 10 -6.47% -7.07% N/A Putnam Voyager ...................... N/A 10 10 -15.33% -16.68% N/A Putnam Growth & Income .............. N/A 10 10 9.92% 10.92% N/A MSDW Mid Cap ........................ N/A 10 10 13.00% 14.33% N/A Information Portfolio ............... N/A 10 10 -7.12% -39.89% 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 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 12.217429 81.85028 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 81.79568 817.9568 1.000 FORMULA: 1000*(1+T)= 817.9568 - (0.85 * 1000 * 0.05) = 775.4568 T = -22.45% R = -22.45% 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 12.380031 80.77524 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 80.72064 807.2064 1.000 FORMULA: 1000*(1+T)= 807.2064 - (0.85 * 1000 * 0.05) = 764.7064 T = -23.53% R = -23.53% 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 8.962827 111.57194 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 111.51734 1115.1734 1.000 FORMULA: 1000*(1+T)= 1115.1734 - (0.85 * 1000 * 0.05) = 1072.6734 T = 7.27% R = 7.27% 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 11.411891 87.62790 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 87.57330 875.7330 1.000 FORMULA: 1000*(1+T)= 875.7330 - (0.85 * 1000 * 0.05) = 833.2330 T = -16.68% R = -16.68% 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 12.787433 78.20178 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 78.14718 781.4718 1.000 FORMULA: 1000*(1+T)= 781.4718 - (0.85 * 1000 * 0.05) = 738.9718 T = -26.10% R = -26.10% 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 13.282348 75.28789 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 75.23329 752.3329 1.000 FORMULA: 1000*(1+T)= 752.3329 - (0.85 * 1000 * 0.05) = 709.8329 T = -29.02% R = -29.02% 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 11.242350 88.94937 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.89477 888.9477 1.000 FORMULA: 1000*(1+T)= 888.9477 - (0.85 * 1000 * 0.05) = 846.4477 T = -15.36% R = -15.36% 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 12.181496 82.09172 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 82.03712 820.3712 1.000 FORMULA: 1000*(1+T)= 820.3712 - (0.85 * 1000 * 0.05) = 777.8712 T = -22.21% R = -22.21% 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 9.420332 106.15337 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 106.09877 1060.9877 1.000 FORMULA: 1000*(1+T)= 1060.9877 - (0.85 * 1000 * 0.05) = 1018.4877 T = 1.85% R = 1.85% 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 9.180128 108.93094 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 108.87634 1088.7634 1.000 FORMULA: 1000*(1+T)= 1088.7634 - (0.85 * 1000 * 0.05) = 1046.2634 T = 4.63% R = 4.63% 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 12.097561 0.04513 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 * 0.02) = #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 4.575964 218.53319 FEE 29-Dec-96 0.546 5.824521 0.09374 FEE 29-Dec-97 0.546 7.209814 0.07573 FEE 29-Dec-98 0.546 9.303294 0.05869 FEE 29-Dec-99 0.546 12.174736 0.04485 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 218.20558 2182.0558 5.000 FORMULA: 1000*(1+T)= 2182.0558 - (0.85 * 1000 * 0.02) = 2165.055802 T = 16.71% R = 116.51% 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 4.452349 224.60054 FEE 29-Dec-96 0.546 5.493409 0.09939 FEE 29-Dec-97 0.546 6.731076 0.08112 FEE 29-Dec-98 0.546 8.138661 0.06709 FEE 29-Dec-99 0.546 8.860798 0.06162 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 224.23673 2242.3673 5.000 FORMULA: 1000*(1+T)= 2242.3673 - (0.85 * 1000 * 0.02) = 2225.367272 T = 17.35% R = 122.54% 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 5.296280 188.81177 FEE 29-Dec-96 0.546 6.131993 0.08904 FEE 29-Dec-97 0.546 6.606323 0.08265 FEE 29-Dec-98 0.546 7.823270 0.06979 FEE 29-Dec-99 0.546 11.282655 0.04839 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 188.46730 1884.6730 5.000 FORMULA: 1000*(1+T)= 1884.6730 - (0.85 * 1000 * 0.02) = 1867.672958 T = 13.31% R = 86.77% 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 5.028281 198.87512 FEE 29-Dec-96 0.546 5.891557 0.09267 FEE 29-Dec-97 0.546 7.121470 0.07667 FEE 29-Dec-98 0.546 9.556660 0.05713 FEE 29-Dec-99 0.546 12.700316 0.04299 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 198.55105 1985.5105 5.000 FORMULA: 1000*(1+T)= 1985.5105 - (0.85 * 1000 * 0.02) = 1968.51054 T = 14.51% R = 96.85% 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 5.800508 172.39869 FEE 29-Dec-96 0.546 6.593149 0.08281 FEE 29-Dec-97 0.546 7.861019 0.06946 FEE 29-Dec-98 0.546 10.390780 0.05255 FEE 29-Dec-99 0.546 13.170059 0.04146 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 172.09782 1720.9782 5.000 FORMULA: 1000*(1+T)= 1720.9782 - (0.85 * 1000 * 0.02) = 1703.978192 T = 11.25% R = 70.40% 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 6.082097 0.08977 FEE 29-Dec-98 0.546 7.132527 0.07655 FEE 29-Dec-99 0.546 11.035348 0.04948 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 * 0.02) = #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 4.656156 214.76944 FEE 29-Dec-96 0.546 5.175507 0.10550 FEE 29-Dec-97 0.546 6.227180 0.08768 FEE 29-Dec-98 0.546 7.707000 0.07084 FEE 29-Dec-99 0.546 12.029649 0.04539 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 214.40543 2144.0543 5.000 FORMULA: 1000*(1+T)= 2144.0543 - (0.85 * 1000 * 0.02) = 2127.054268 T = 16.29% R = 112.71% 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 5.704078 175.31317 FEE 29-Dec-96 0.546 6.938486 0.07869 FEE 29-Dec-97 0.546 8.185118 0.06671 FEE 29-Dec-98 0.546 9.533113 0.05727 FEE 29-Dec-99 0.546 9.375404 0.05824 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 174.99766 1749.9766 5.000 FORMULA: 1000*(1+T)= 1749.9766 - (0.85 * 1000 * 0.02) = 1732.976612 T = 11.62% R = 73.30% 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 6.765169 0.08071 FEE 29-Dec-98 0.546 7.480481 0.07299 FEE 29-Dec-99 0.546 9.086918 0.06009 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 * 0.02) = #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 1.874047 533.60455 FEE 31-Dec-91 0.546 2.688621 0.20308 FEE 31-Dec-92 0.546 2.913820 0.18738 FEE 31-Dec-93 0.546 3.396566 0.16075 FEE 31-Dec-94 0.546 3.370141 0.16201 FEE 31-Dec-95 0.546 4.655693 0.11728 FEE 31-Dec-96 0.546 5.164955 0.10571 FEE 31-Dec-97 0.546 6.417044 0.08509 FEE 31-Dec-98 0.546 7.838050 0.06966 FEE 31-Dec-99 0.546 12.181496 0.04482 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 532.41417 5324.1417 10.000 FORMULA: 1000*(1+T)= 5324.1417 - (0.85 * 1000 * 0) = 5324.141678 T = 18.20% R = 432.41% 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 3.048941 327.98273 FEE 31-Dec-91 0.546 3.564423 0.15318 FEE 31-Dec-92 0.546 3.841755 0.14212 FEE 31-Dec-93 0.546 4.310916 0.12666 FEE 31-Dec-94 0.546 4.248189 0.12853 FEE 31-Dec-95 0.546 5.703511 0.09573 FEE 31-Dec-96 0.546 6.828668 0.07996 FEE 31-Dec-97 0.546 8.325420 0.06558 FEE 31-Dec-98 0.546 9.440299 0.05784 FEE 31-Dec-99 0.546 9.420332 0.05796 FEE 31-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 31-Dec-00 10.000000 327.02058 3270.2058 10.000 FORMULA: 1000*(1+T)= 3270.2058 - (0.85 * 1000 * 0) = 3270.205821 T = 12.58% R = 227.02% 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 10.886113 91.86015 1 FEE 14-Jul-00 0.546 13.226452 0.04128 0.06 2 FEE 29-Dec-00 0.546 10.000000 0.05460 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 91.76427 917.6427 1.462 FORMULA: 1000*(1+T)= 917.6427 = 875.1427156 T = -8.72% R = -12.49% 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 3.281875 304.70387 1 FEE 15-Sep-95 0.546 4.406914 0.12390 0.06 2 FEE 15-Sep-96 0.546 5.116348 0.10672 0.05 3 FEE 15-Sep-97 0.546 6.959387 0.07846 0.05 4 15-Sep-98 0.546 7.314642 0.07464 0.04 5 15-Sep-99 0.546 10.099758 0.05406 0.03 6 15-Sep-00 0.546 11.969890 0.04561 0.02 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 304.16588 3041.6588 6.289 FORMULA: 1000*(1+T)= 3041.6588 = 3041.658778 T = 19.35% R = 204.17% 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 2.862656 349.32594 1 FEE 14-Jan-92 0.546 2.915960 0.18725 0.06 2 FEE 14-Jan-93 0.546 3.095627 0.17638 0.05 3 FEE 14-Jan-94 0.546 3.401004 0.16054 0.05 4 14-Jan-95 0.546 3.333157 0.16381 0.04 5 14-Jan-96 0.546 4.316674 0.12649 0.03 6 14-Jan-97 0.546 5.562247 0.09816 0.02 7 14-Jan-98 0.546 6.722716 0.08122 0 8 14-Jan-99 0.546 8.054091 0.06779 0 9 14-Jan-00 0.546 8.962827 0.06092 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 348.14879 3481.4879 9.958 FORMULA: 1000*(1+T)= 3481.4879 = 3481.487928 T = 13.35% R = 248.15% 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 3.331526 300.16275 1 FEE 05-May-94 0.546 3.918514 0.13934 0.06 2 FEE 05-May-95 0.546 4.357654 0.12530 0.05 3 FEE 05-May-96 0.546 5.881191 0.09284 0.05 4 05-May-97 0.546 6.150297 0.08878 0.04 5 05-May-98 0.546 7.743473 0.07051 0.03 6 05-May-99 0.546 8.232064 0.06633 0.02 7 05-May-00 0.546 11.693826 0.04669 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 299.47837 2994.7837 7.652 FORMULA: 1000*(1+T)= 2994.7837 = 2994.783701 T = 15.41% R = 199.48% 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 3.614170 276.68870 1 FEE 05-May-94 0.546 3.787630 0.14415 0.06 2 FEE 05-May-95 0.546 4.223252 0.12928 0.05 3 FEE 05-May-96 0.546 5.319142 0.10265 0.05 4 05-May-97 0.546 6.245692 0.08742 0.04 5 05-May-98 0.546 8.389149 0.06508 0.03 6 05-May-99 0.546 10.244045 0.05330 0.02 7 05-May-00 0.546 14.384605 0.03796 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 276.01425 2760.1425 7.652 FORMULA: 1000*(1+T)= 2760.1425 = 2760.142536 T = 14.19% R = 176.01% 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 3.725702 268.40579 1 FEE 05-May-94 0.546 4.317452 0.12646 0.06 2 FEE 05-May-95 0.546 4.868962 0.11214 0.05 3 FEE 05-May-96 0.546 5.850649 0.09332 0.05 4 05-May-97 0.546 7.021641 0.07776 0.04 5 05-May-98 0.546 9.011036 0.06059 0.03 6 05-May-99 0.546 11.296809 0.04833 0.02 7 05-May-00 0.546 14.407717 0.03790 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 267.79469 2677.9469 7.652 FORMULA: 1000*(1+T)= 2677.9469 = 2677.946871 T = 13.74% R = 167.79% 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 5.374629 186.05935 1 FEE 02-Jan-98 0.546 6.161328 0.08862 0.06 2 FEE 02-Jan-99 0.546 7.142451 0.07644 0.05 3 FEE 02-Jan-00 0.546 11.429038 0.04777 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 185.79192 1857.9192 3.989 FORMULA: 1000*(1+T)= 1857.9192 = 1823.919194 T = 16.26% R = 82.39% 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 1.479000 676.13252 1 FEE 01-Feb-89 0.546 1.588926 0.34363 0.06 2 FEE 01-Feb-90 0.546 1.729360 0.31572 0.05 3 FEE 01-Feb-91 0.546 1.996007 0.27355 0.05 4 01-Feb-92 0.546 2.690474 0.20294 0.04 5 01-Feb-93 0.546 2.934939 0.18603 0.03 6 01-Feb-94 0.546 3.463805 0.15763 0.02 7 01-Feb-95 0.546 3.398130 0.16068 0 8 01-Feb-96 0.546 4.732137 0.11538 0 9 01-Feb-97 0.546 5.388465 0.10133 0 10 01-Feb-98 0.546 6.394060 0.08539 0 11 01-Feb-99 0.546 8.187142 0.06669 0 12 01-Feb-00 0.546 12.073601 0.04522 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 674.02373 6740.2373 12.909 FORMULA: 1000*(1+T)= 6740.2373 = 6740.237311 T = 15.93% R = 574.02% 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 2.165640 461.75726 1 FEE 01-Feb-89 0.546 2.688191 0.20311 0.06 2 FEE 01-Feb-90 0.546 2.922278 0.18684 0.05 3 FEE 01-Feb-91 0.546 3.159013 0.17284 0.05 4 01-Feb-92 0.546 3.575201 0.15272 0.04 5 01-Feb-93 0.546 3.888631 0.14041 0.03 6 01-Feb-94 0.546 4.425421 0.12338 0.02 7 01-Feb-95 0.546 4.347223 0.12560 0 8 01-Feb-96 0.546 5.843012 0.09344 0 9 01-Feb-97 0.546 7.106882 0.07683 0 10 01-Feb-98 0.546 8.341981 0.06545 0 11 01-Feb-99 0.546 9.488841 0.05754 0 12 01-Feb-00 0.546 9.097133 0.06002 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 460.24449 4602.4449 12.909 FORMULA: 1000*(1+T)= 4602.4449 = 4602.444859 T = 12.55% R = 360.24% 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 5.031029 198.76649 1 FEE 02-Jan-98 0.546 6.941940 0.07865 0.06 2 FEE 02-Jan-99 0.546 7.703280 0.07088 0.05 3 FEE 02-Jan-00 0.546 9.180128 0.05948 0.05 4 29-Dec-00 0.546 10.000000 0.05460 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 198.50289 1985.0289 3.989 FORMULA: 1000*(1+T)= 1985.0289 = 1951.028873 T = 18.24% R = 95.10% 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 10.767089 92.87561 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.82101 928.2101 0.145 FORMULA: 1000*(1+T)= 928.2101 = 877.2101383 T = -59.46% R = -12.28%
Alliance Premier Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 11.604770 86.17146 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 86.11686 861.1686 0.912 FORMULA: 1000*(1+T)= 861.1686 = 810.1686225 T = -20.62% R = -18.98% Alliance Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 11.813199 84.65108 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.59648 845.9648 0.912 FORMULA: 1000*(1+T)= 845.9648 = 794.9647546 T = -22.25% R = -20.50% Alliance Growth and Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 8.608252 116.16760 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 116.113001161.1300 0.912 FORMULA: 1000*(1+T)=1161.1300 = 1110.130029 T = 12.14% R = 11.01% Aim Cap App 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 11.219942 89.12702 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 89.07242 890.7242 0.912 FORMULA: 1000*(1+T)= 890.7242 = 839.7242044 T = -17.44% R = -16.03% Aim Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 12.813384 78.04340 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.98880 779.8880 0.912 FORMULA: 1000*(1+T)= 779.8880 = 728.8879587 T = -29.31% R = -27.11% Aim Value 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 12.961312 77.15268 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 77.09808 770.9808 0.912 FORMULA: 1000*(1+T)= 770.9808 = 719.9808331 T = -30.26% R = -28.00% Putnam International Growth 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 10.711470 93.35787 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 93.30327 933.0327 0.912 FORMULA: 1000*(1+T)= 933.0327 = 882.0326778 T = -12.86% R = -11.80% Putnam Voyager 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 11.832934 84.50989 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 84.45529 844.5529 0.912 FORMULA: 1000*(1+T)= 844.5529 = 793.5529416 T = -22.40% R = -20.64% Putnam Growth & Income 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 9.114386 109.71666 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 109.662061096.6206 0.912 FORMULA: 1000*(1+T)=1096.6206 = 1045.620611 T = 5.01% R = 4.56% MSDW Mid Cap 31-Jan-00 TO NO. YEARS 0.912 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT31-Jan-00 1000.00 8.866231 112.78750 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 112.732901127.3290 0.912 FORMULA: 1000*(1+T)=1127.3290 = 1076.328967 T = 8.40% R = 7.63% Information Portfolio 06-Nov-00 TO NO. YEARS 0.145 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUENO. UNITSEND VALUESURRENDER CHARGES 0 INIT DEPOSIT06-Nov-00 1000.00 10.770266 92.84822 1 FEE 29-Dec-00 0.546 10.000000 0.05460 0.06 2 FEE N/A 0 N/A 0.00000 0.05 3 FEE N/A 0 N/A 0.00000 0.05 4 N/A 0 N/A 0.00000 0.04 5 N/A 0 N/A 0.00000 0.03 6 N/A 0 N/A 0.00000 0.02 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 92.79362 927.9362 0.145 FORMULA: 1000*(1+T)= 927.9362 = 876.9361749 T = -59.55% R = -12.31% NLIC VAII EMERGING 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 11.289959 88.57428 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.51968 885.1968 1.000 FORMULA: 1000*(1+T)= 885.1968 - (0.85 * 1000 * 0.05) = 842.6968 T = -15.73% R = -15.73% NLIC VAII EMERGING 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 3.018462 331.29455 FEE 29-Dec-96 0.546 3.463651 0.15764 FEE 29-Dec-97 0.546 3.963515 0.13776 FEE 29-Dec-98 0.546 5.508291 0.09912 FEE 29-Dec-99 0.546 11.134487 0.04904 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 330.79639 3307.9639 5.000 FORMULA: 1000*(1+T)= 3307.9639 - (0.85 * 1000 * 0.02) = 3290.963929 T = 26.90% R = 229.10% NLIC VAII EMERGING GROWTH 03-Jul-95 TO NO. YEARS 5.492 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 03-Jul-95 1000.00 2.594901 385.37116 1 FEE 03-Jul-96 0.546 3.514691 0.15535 0.06 2 FEE 03-Jul-97 0.546 3.841017 0.14215 0.05 3 FEE 03-Jul-98 0.546 5.031862 0.10851 0.05 4 03-Jul-99 0.546 6.953163 0.07853 0.04 5 03-Jul-00 0.546 12.709321 0.04296 0.03 6 29-Dec-00 0.546 10.000000 0.05460 0.02 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 384.78906 3847.8906 5.492 FORMULA: 1000*(1+T)= 3847.8906 = 3830.890644 T = 27.70% R = 283.09% NLIC VAII EMERGING 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 11.317358 88.35985 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.30525 883.0525 1.000 FORMULA: 1000*(1+T)= 883.0525 - (0.85 * 1000 * 0.05) = 840.5525 T = -15.94% R = -15.94% NLIC VAII EMERGING 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 3.055419 327.28735 FEE 29-Dec-96 0.546 3.497578 0.15611 FEE 29-Dec-97 0.546 3.992546 0.13675 FEE 29-Dec-98 0.546 5.535157 0.09864 FEE 29-Dec-99 0.546 11.161656 0.04892 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 326.79233 3267.9233 5.000 FORMULA: 1000*(1+T)= 3267.9233 - (0.85 * 1000 * 0.02) = 3250.923315 T = 26.59% R = 225.09% NLIC VAII EMERGING GROWTH 03-Jul-95 TO NO. YEARS 5.492 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 03-Jul-95 1000.00 2.629812 380.25532 1 FEE 03-Jul-96 0.546 3.553302 0.15366 0.06 2 FEE 03-Jul-97 0.546 3.873770 0.14095 0.05 3 FEE 03-Jul-98 0.546 5.062468 0.10785 0.05 4 03-Jul-99 0.546 6.978479 0.07824 0.04 5 03-Jul-00 0.546 12.724504 0.04291 0.03 6 29-Dec-00 0.546 10.000000 0.05460 0.02 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 379.67711 3796.7711 5.492 FORMULA: 1000*(1+T)= 3796.7711 = 3779.771084 T = 27.39% R = 277.98% NLIC VAII EMERGING GROWTH 12/31/99 NO. 1.000 TO 12/29/0TRANSACDATE $ VALUUNIT VNO.EUNITEND VALUE INIT DE31-Dec1000.011.34788.12757 FEE 29-Dec0.546 10.0000.05460 RESULTING29-Dec-00 10.00088.07880.7297 1.000 FORMULA: 1000*(880.729- (0.85 * 1000 * 0.05) = 838.2297 T = -16.18% R = -16.18% NLIC VAII EMERGING GROWTH 29-Dec-95 TO NO. 5.000 29-Dec-00 TRANSACDATE $ VALUUNIT VNO.EUNITEND VALUE INIT DE29-Dec1000.03.0960322.99043 FEE 29-Dec0.546 3.53470.15446 FEE 29-Dec0.546 4.02430.13568 FEE 29-Dec0.546 5.56440.09812 FEE 29-Dec0.546 11.1910.04879 FEE 29-Dec0.546 10.0000.05460 RESULTING29-Dec-00 10.000322.43224.9878 5.000 FORMULA: 1000*(3224.98-8(0.85 * 1000 * 0.02) = 3207.987758 T = 26.25% R = 220.80% NLIC VAII EMERGING GROWTH 03-Jul-95 TO NO. 5.492 29-Dec-00 TRANSACDATE $ VALUUNIT VNO.EUENDSVASURRENDER CHARGES 0 INIT DE03-Jul1000.02.6682374.77705 1 FEE 03-Jul0.546 3.59570.15185 0.06 2 FEE 03-Jul0.546 3.90960.13965 0.05 3 FEE 03-Jul0.546 5.09590.10714 0.05 4 03-Jul0.546 7.00600.07793 0.04 5 03-Jul0.546 12.7410.04285 0.03 6 29-Dec0.546 10.0000.05460 0.02 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 RESULTING29-Dec-00 10.000374.23742.0302 5.492 FORMULA: 1000*(3742.0302 = 3725.030224 T = 27.05% R = 272.50% NLIC VAII EMERGING 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 11.324225 88.30626 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.25166 882.5166 1.000 FORMULA: 1000*(1+T)= 882.5166 - (0.85 * 1000 * 0.05) = 840.0166 T = -16.00% R = -16.00% NLIC VAII EMERGING 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 3.064742 326.29174 FEE 29-Dec-96 0.546 3.506116 0.15573 FEE 29-Dec-97 0.546 3.999849 0.13651 FEE 29-Dec-98 0.546 5.541904 0.09852 FEE 29-Dec-99 0.546 11.168465 0.04889 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 325.79750 3257.9750 5.000 FORMULA: 1000*(1+T)= 3257.9750 - (0.85 * 1000 * 0.02) = 3240.974973 T = 26.51% R = 224.10% NLIC VAII EMERGING GROWTH 03-Jul-95 TO NO. YEARS 5.492 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 03-Jul-95 1000.00 2.638620 378.98599 1 FEE 03-Jul-96 0.546 3.563033 0.15324 0.06 2 FEE 03-Jul-97 0.546 3.882017 0.14065 0.05 3 FEE 03-Jul-98 0.546 5.070162 0.10769 0.05 4 03-Jul-99 0.546 6.984833 0.07817 0.04 5 03-Jul-00 0.546 12.728307 0.04290 0.03 6 29-Dec-00 0.546 10.000000 0.05460 0.02 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 378.40874 3784.0874 5.492 FORMULA: 1000*(1+T)= 3784.0874 = 3767.087416 T = 27.31% R = 276.71% NLIC VAII EMERGING 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 11.304781 88.45815 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 88.40355 884.0355 1.000 FORMULA: 1000*(1+T)= 884.0355 - (0.85 * 1000 * 0.05) = 841.5355 T = -15.85% R = -15.85% NLIC VAII EMERGING 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 3.038411 329.11940 FEE 29-Dec-96 0.546 3.481964 0.15681 FEE 29-Dec-97 0.546 3.979194 0.13721 FEE 29-Dec-98 0.546 5.522812 0.09886 FEE 29-Dec-99 0.546 11.149184 0.04897 FEE 29-Dec-00 0.546 10.000000 0.05460 RESULTING VALUE 29-Dec-00 10.000000 328.62294 3286.2294 5.000 FORMULA: 1000*(1+T)= 3286.2294 - (0.85 * 1000 * 0.02) = 3269.229416 T = 26.73% R = 226.92% NLIC VAII EMERGING GROWTH 03-Jul-95 TO NO. YEARS 5.492 29-Dec-00 TRANSACTION DATE $ VALUE UNIT VALUE NO. UNITS END VALUE SURRENDER CHARGES 0 INIT DEPOSIT 03-Jul-95 1000.00 2.613744 382.59294 1 FEE 03-Jul-96 0.546 3.535528 0.15443 0.06 2 FEE 03-Jul-97 0.546 3.858705 0.14150 0.05 3 FEE 03-Jul-98 0.546 5.048402 0.10815 0.05 4 03-Jul-99 0.546 6.966856 0.07837 0.04 5 03-Jul-00 0.546 12.717541 0.04293 0.03 6 29-Dec-00 0.546 10.000000 0.05460 0.02 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 382.01295 3820.1295 5.492 FORMULA: 1000*(1+T)= 3820.1295 = 3803.129519 T = 27.54% R = 280.31%
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 11.60477 N/A N/A Alliance Growth .................................... 01/31/00 11.813199 N/A N/A Alliance Growth and Income ......................... 01/31/00 8.608252 N/A N/A Aim Cap App ........................................ 01/31/00 11.219942 N/A N/A Aim Growth ......................................... 01/31/00 12.813384 N/A N/A Aim Value .......................................... 01/31/00 12.961312 N/A N/A Putnam International Growth ........................ 01/31/00 10.71147 N/A N/A Putnam Voyager ..................................... 01/31/00 11.832934 N/A N/A Putnam Growth & Income ............................. 01/31/00 9.114386 N/A N/A MSDW Mid Cap ....................................... 01/31/00 8.866231 N/A N/A Information Portfolio .............................. 11/06/00 10.770266 N/A N/A One Yr YTD Today's Fund ............................................... AUV AUV AUV AUV Total Alliance Premier Growth ............................ N/A 10 10 -13.83% -15.05% N/A Alliance Growth .................................... N/A 10 10 -15.35% -16.69% N/A Alliance Growth and Income ......................... N/A 10 10 16.17% 17.85% N/A Aim Cap App ........................................ N/A 10 10 -10.87% -11.85% N/A Aim Growth ......................................... N/A 10 10 -21.96% -23.79% N/A Aim Value .......................................... N/A 10 10 -22.85% -24.75% N/A Putnam International Growth ........................ N/A 10 10 -6.64% -7.26% N/A Putnam Voyager ..................................... N/A 10 10 -15.49% -16.85% N/A Putnam Growth & Income ............................. N/A 10 10 9.72% 10.70% N/A MSDW Mid Cap ....................................... N/A 10 10 12.79% 14.10% N/A Information Portfolio .............................. N/A 10 10 -7.15% -40.01% 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%