S-1 1 ae-mva.txt RIVERSOURCE MVA ACCOUNT SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 INITIAL REGISTRATION STATEMENT Under The Securities Act of 1933 RiverSource MVA Account (previously American Enterprise MVA Account) (Exact name of registrant as specified in charter) Indiana ------------------------------------------------------ (State or other jurisdiction of incorporation or organization) 94-2786905 ---------------------------------------------------------- (I.R.S. Employer Identification No.) 829 Ameriprise Financial Center, Minneapolis, MN 55474 (800-333-3437) ----------------------------------------------------------------- (Address, including zip code, and telephone number, including area code, of registrant's principal executive offices) Mary Ellyn Minenko 50607 Ameriprise Financial Center, Minneapolis, Minnesota 55474 (612) 671-2237 -------------------------------------------------------------- (Name, address, including zip code, and telephone number, including area code, of agent for service) Approximate date of commencement of proposed sale to the public: Jan. 2, 2007 or as soon as practicable after the effective date of the Registration Statement. If any of the securities being registered on this Form are to be offered on a delayed or continuous basis pursuant to Rule 415 under the Securities Act of 1933, check the following box. /X/ Pursuant to Rule 429 under the Securities Exchange Act of 1934, the prospectuses contained herein also relate to and constitute a Post-Effective Amendment to Securities Act Registration Statement No. 333-65080, No. 333-86297 and No. 333-114937. Calculation of Registration Fee

~~Calculation~~TITLE ofOF ~~Registration~~EACH ~~Fee~~CLASS ~~Title~~OF ofPROPOSED ~~each~~MAXIMUM ~~class~~PROPOSED ofMAXIMUM ~~Amount~~SECURITIES toTO beBE ~~Proposed~~AMOUNT ~~maximum~~TO ~~Proposed~~BE ~~maximum~~OFFERING ~~Amount~~PRICE ofPER ~~securities~~AGGREGATE toOFFERING beAMOUNT ~~registered~~OF ~~offering~~REGISTERED ~~price~~REGISTERED ~~per~~UNIT ~~aggregate~~PRICE* ~~offering~~REGISTRATION ~~registration~~FEE ~~fee registered unit price~~ ------------------------- ---------------------- ----------------------- ---------------------- ---------------------- Interests in the $350,000,000*N/A $350,000,000* $87,500* Guarantee Period Accounts of ~~the~~RiverSource ~~Wells~~AccessChoice ~~Fargo~~Select(SM) ~~Advantage~~Variable Annuity RiverSource Endeavor Select(SM) Variable Annuity, ~~the~~RiverSource ~~Wells~~FlexChoice(SM) ~~Fargo~~Variable ~~Advantage~~Annuity RiverSource FlexChoice(SM) ~~Builder~~Select Variable Annuity, ~~the~~RiverSource(SM) ~~American~~Galaxy ~~Express~~Premier Variable Annuity RiverSource Innovations(SM) Variable Annuity RiverSource Innovations(SM) Select Variable Annuity RiverSource Innovations(SM) Classic Variable Annuity RiverSource Innovations(SM) Classic Select Variable Annuity RiverSource New Solutions(SM) Variable Annuity RiverSource Pinnacle(SM) Variable Annuity RiverSource Signature(SM) Variable Annuity RiverSource Signature(RSM), ~~the~~Select ~~American~~Variable ~~Express~~Annuity RiverSource Signature(RSM) One Variable Annuity RiverSource Signature(SM) One Select Variable Annuity ~~and~~Evergreen ~~the~~Essential(SM) ~~American~~Variable ~~Express~~Annuity Evergreen New Solutions Variable Annuity Evergreen New Solutions Select Variable Annuity Evergreen Pathways(SM) Variable Annuity ~~Contracts~~Evergreen Pathways(SM) Select Variable Annuity Evergreen Privilege(SM) Variable Annuity Wells Fargo Advantage(R) Variable Annuity Wells Fargo Advantage(R) Select Variable Annuity Wells Fargo Advantage(R) Builder Variable Annuity Wells Fargo Advantage(R) Builder Select Variable Annuity Wells Fargo Advantage Choice(SM) Variable Annuity Wells Fargo Advantage Choice(SM) Select Variable Annuity

PART I. INFORMATION REQUIRED IN PROSPECTUS The prospectuses included in the following registration statements containing information for the RiverSource MVA Account (previously American Enterprise MVA Account) filed as described below are incorporated herein by reference. RiverSource Signature Variable Annuity(R), RiverSource(R) Signature Select Variable Annuity as part of the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account) filed on or about Jan. 2, 2007. RiverSource(SM) Galaxy Premier Variable Annuity and RiverSource Pinnacle Variable Annuity(R), filed as a part of the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account) filed on or about Jan. 2, 2007. RiverSource Signature(SM) One Variable Annuity, RiverSource(R) Signature(SM) One Select Variable Annuity, Wells Fargo Advantage(R) Builder Variable Annuity, Wells Fargo Advantage(R) Builder Select Variable Annuity, and Wells Fargo Advantage(R) Variable Annuity as part of the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account) filed on or about Jan. 2, 2007. RiverSource AccessChoice(SM) Select Variable Annuity, RiverSource FlexChoice(SM) Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable Annuity, Wells Fargo Advantage Choice(SM) Variable Annuity, and Wells Fargo Advantage Choice(SM) Select Variable Annuity, as part of the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account) filed on or about Jan. 2, 2007. RiverSource Endeavor Select(SM) Variable Annuity, RiverSource Innovations(SM) Variable Annuity, RiverSource Innovations(SM) Select Variable Annuity, RiverSource New Solutions(SM) Variable Annuity, Evergreen Essential(SM) Variable Annuity, Evergreen New Solutions Variable Annuity, Evergreen New Solutions Select Variable Annuity, RiverSource Innovations(SM) Classic Variable Annuity, RiverSource Innovations(SM) Classic Select Variable Annuity, and Wells Fargo Advantage(R) Variable Annuity as a part of the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account) filed on or about Jan. 2, 2007. PART II. INFORMATION NOT REQUIRED IN PROSPECTUS Item 13. Other Expenses of Issuance and Distribution The expenses of the issuance and distribution of the interests in the Guarantee Period Accounts of the Contract to be registered, other than commissions on sales of the Contracts, are to be borne by the registrant. Item 14. Indemnification The amended By-Laws of the depositor provide that the depositor will indemnify, to the fullest extent now or hereafter provided for or permitted by law, each person involved in, or made or threatened to be made a party to, any action, suit, claim or proceeding, whether civil or criminal, including any investigative, administrative, legislative, or other proceeding, and including any action by or in the right of the depositor or any other corporation, or any partnership, joint venture, trust, employee benefit plan, or other enterprise (any such entity, other than the depositor, being hereinafter referred to as an "Enterprise"), and including appeals therein (any such action or process being hereinafter referred to as a "Proceeding"), by reason of the fact that such person, such person's testator or intestate (i) is or was a director or officer of the depositor, or (ii) is or was serving, at the request of the depositor, as a director, officer, or in any other capacity, or any other Enterprise, against any and all judgments, amounts paid in settlement, and expenses, including attorney's fees, actually and reasonably incurred as a result of or in connection with any Proceeding, except as provided below. No indemnification will be made to or on behalf of any such person if a judgment or other final adjudication adverse to such person establishes that such person's acts were committed in bad faith or were the result of active and deliberate dishonesty and were material to the cause of action so adjudicated, or that such person personally gained in fact a financial profit or other advantage to which such person was not legally entitled. In addition, no indemnification will be made with respect to any Proceeding initiated by any such person against the depositor, or a director or officer of the depositor, other than to enforce the terms of this indemnification provision, unless such Proceeding was authorized by the Board of Directors of the depositor. Further, no indemnification will be made with respect to any settlement or compromise of any Proceeding unless and until the depositor has consented to such settlement or compromise. The depositor may, from time to time, with the approval of the Board of Directors, and to the extent authorized, grant rights to indemnification, and to the advancement of expenses, to any employee or agent of the depositor or to any person serving at the request of the depositor as a director or officer, or in any other capacity, of any other Enterprise, to the fullest extent of the provisions with respect to the indemnification and advancement of expenses of directors and officers of the depositor. Insofar as indemnification for liability arising under the Securities Act of 1933 (the "Act") may be permitted to directors, officers and controlling persons of the depositor or the registrant pursuant to the foregoing provisions, or otherwise, the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Act and is, therefore, unenforceable. In the event that a claim for indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Act and will be governed by the final adjudication of such issue. Item 15. Recent Sales of Unregistered Securities Not Applicable Item 16. (a) Exhibits 1. Form of Principal Underwriter Agreement for RiverSource Life Insurance Company Variable Annuities and Variable Life Insurance files electronically as Exhibit 3.1 to the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 2. Not applicable. 3.1 Amendment and Restatement of Articles of Incorporation of American Enterprise Life dated July 29, 1986, filed electronically as Exhibit 6.1 to American Enterprise Life Personal Portfolio Plus 2's Initial Registration Statement No. 33-54471, filed on or about July 5, 1994, is incorporated by reference. 3.2 Copy of Amended and Restated By-Laws of RiverSource Life Insurance Company filed electronically as Exhibit 27(f)(2) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference. 3.3 Consent in writing in lieu of a meeting of the Board of Directors of American Enterprise Life Insurance Company establishing the American Enterprise MVA Account dated Aug. 18, 1999, filed electronically as Exhibit 3.3 to Registrant's Initial Registration Statement No. 333-86297, filed on or about Aug. 31, 1999, is incorporated by reference. 3.4 Copy of Certificate of Amendment of Certificate of Incorporation of IDS Life Insurance Company dated June 22, 2006, filed electronically as Exhibit 27(f)(1) to Post-Effective Amendment No. 28 to Registration Statement No. 333-69777 is incorporated by reference. 4.1 Form of Deferred Annuity Contract for the American Express(R) Signature One Variable Annuity (form 240180), filed electronically as Exhibit 4.1 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Dec. 7, 1999, is incorporated by reference. 4.1(a) Form of Deferred Annuity Contract Data Pages (form 240343) filed as Exhibit 4.1(a) to Post-Effective Amendment No. 10 to Registration Statement No. 333-92297, is incorporated by reference. 4.2 Form of Deferred Annuity Contract for the Wells Fargo Advantage(SM) Variable Annuity (form 44209), filed electronically as Exhibit 4.1 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by reference. 4.3 Form of Deferred Annuity Contract for the Wells Fargo Advantage(SM) Builder Variable Annuity (form 44210), filed electronically as Exhibit 4.2 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by reference. 4.4 Form of Deferred Annuity Contract (form 240343), filed electronically as Exhibit 4.1 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-92297 on Form N-4, filed on or about Feb. 11, 2000, is incorporated by reference. 4.5 Form of Deferred Annuity Contract for American Express Signature Variable Annuity (R) (form 43431), filed electronically as Exhibit 4.1 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-74865 on form N-4, filed on or about Aug. 4, 1999, is incorporated by reference. 4.6 Form of Deferred Annuity Contract for the American Express(R) Galaxy Premier Variable Annuity and the American Express Pinnacle Variable Annuity(SM) (form 44170), filed electronically as Exhibit 4.1 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-82149, filed on or about Sept. 21, 1999, is incorporated by reference. 4.7 Form of Deferred Annuity Contract Option L (form 271496), filed electronically as Exhibit 4.1 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-73958 on form N-4, filed on or Feb. 20, 2002, is incorporated by reference. 4.8 Form of Deferred Annuity Contract Option C (form 271491), filed electronically as Exhibit 4.2 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-73958 on form N-4, filed on or Feb. 20, 2002, is incorporated by reference. 4.9 Form of Deferred Annuity Contract (form 272646), filed electronically as Exhibit 4.2 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 15 to Registration Statement No. 333-92297 on form N-4, filed on or about October 30, 2003, is incorporated by reference. 4.10 Form of Enhanced Death Benefit Rider contracts (form 44213), filed electronically as Exhibit 4.3 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by reference. 4.11 Form of Guaranteed Minimum Income Benefit Rider for the American Express Signature Variable Annuity (R) and the American Express(R) Signature One Variable Annuity (6% Accumulation Benefit Base) (form 240186), filed electronically as Exhibit 4.2 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 3 to Registration Statement No. 333-85567 on form N-4, filed on or about Feb. 11, 2000, is incorporated by reference. 4.12 Form of Guaranteed Minimum Income Benefit Rider (form 240350), filed electronically as Exhibit 4.4 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-92297 on Form N-4, filed on or about Feb. 11, 2000, is incorporated by reference. 4.13 Form of Guaranteed Minimum Income Benefit Rider contracts (form 44214), filed electronically as Exhibit 4.4 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by reference. 4.14 Form of 5% Accumulation Death Benefit Rider for the American Express Signature Variable Annuity(R) and the American Express Signature One Variable Annuity(SM) (form 240183), filed electronically as Exhibit 4.3 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Dec. 8, 1999, is incorporated by reference. 4.15 Form of Value Option Return of Purchase Payment Death Benefit Rider for the American Express (R) Signature One Variable Annuity (form 240182), filed electronically as Exhibit 4.11 to Registrant's Post-Effective Amendment No. 6 to Registration Statement No. 333-86297 on form S-1, filed on or about May 1, 2000, is incorporated by reference. 4.16 Form of 8% Performance Credit Rider for the American Express Signature Variable Annuity(R) and the American Express(R) Signature One Variable Annuity (form 240187), filed electronically as Exhibit 4.4 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 2 to Registration Statement No. 333-85567 on form N-4, filed on or about Dec. 30, 1999, is incorporated by reference. 4.17 Form of Performance Credit Rider (form 240349), filed electronically as Exhibit 4.2 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-92297 on Form N-4, filed on or about Feb. 11, 2000, is incorporated by reference. 4.18 Form of Benefit Protector(SM) Death Benefit Rider contracts (form 271155), filed electronically as Exhibit 4.15 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 6 to Registration Statement No. 333-85567 on form N-4, filed on or about March 1, 2001, is incorporated by reference. 4.19 Form of Benefit Protector(SM) Plus Death Benefit Rider contracts (form 271156), filed electronically as Exhibit 4.16 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 6 to Registration Statement No. 333-85567 on form N-4, filed on or about March 1, 2001, is incorporated by reference. 4.20 Form of Maximum Anniversary Value Death Benefit Rider (form 240346), filed electronically as Exhibit 4.3 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-92297, filed on or about February 11, 2000, is incorporated by reference. 4.21 Form of Roth IRA Endorsement contracts (form 43094), filed electronically as Exhibit 4.2 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-74865 on form N-4, filed on or about Aug. 4, 1999, incorporated by reference. 4.22 Form of SEP-IRA for the Wells Fargo Advantage(SM) Variable Annuity, the Wells Fargo Advantage(SM) Builder Variable Annuity, the American Express(R) Signature One Variable Annuity, the American Express(R) Galaxy Premier Variable Annuity, and the American Express Pinnacle Variable Annuity(SM) (form 43412), filed electronically as Exhibit 4.3 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-72777 on form N-4, filed on or about July 8, 1999, is incorporated by reference. 4.23 Form of SEP-IRA contracts (form 43433), filed electronically as Exhibit 4.3 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-74865 on form N-4, filed on or about Aug. 4, 1999, is incorporated by reference. 4.24 Form of Disability Waiver of Withdrawal Charges Rider (form 44215), filed electronically as Exhibit 4.5 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by reference. 4.25 Form of Unemployment Waiver of Withdrawal Charges Rider for the Wells Fargo Advantage(SM) Variable Annuity and the Wells Fargo Advantage(SM) Builder Variable Annuity (form 44216), to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-85567 on form N-4, filed on or about Nov. 4, 1999, is incorporated by reference. 4.26 Form of TSA Endorsement contracts (form 43413), filed electronically as Exhibit 4.4 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-72777 on form N-4, filed on or about July 8, 1999, is incorporated by reference. 4.27 Form of Traditional IRA or SEP-IRA Endorsement (form 272108) filed electronically as Exhibit 4.11 to Post-Effective Amendment No. 10 to Registration Statement No. 333-92297, filed on or about January 30, 2003, is incorporated by reference. 4.28 Form of Roth IRA Endorsement (form 272109) filed electronically as Exhibit 4.12 to Post-Effective Amendment No. 10 to Registration Statement No. 333-92297, filed on or about January 30, 2003, is incorporated by reference. 4.29 Form of Variable Annuity Unisex Endorsement (form 272110) filed electronically as Exhibit 4.13 to Post-Effective Amendment No. 10 to Registration Statement No. 333-92297, filed on or about January 30, 2003, is incorporated by reference. 4.30 Form of Maximum Anniversary Value Death Benefit Rider (form 272869) filed electronically as Exhibit 4.11 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.31 Form of 5% Accumulation Death Benefit Rider (form 272870) filed electronically as Exhibit 4.12 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.32 Form of Enhanced Death Benefit Rider (form 272871) filed electronically as Exhibit 4.13 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.33 Form of Guaranteed Minimum Income Benefit Rider (Maximum Anniversary Value Benefit Base) (form 272872) filed electronically as Exhibit 4.14 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.34 Form of Guaranteed Minimum Income Benefit Rider (5% Accumulation Benefit Base) (form 272873) filed electronically as Exhibt 4.15 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.35 Form of Guaranteed Minimum Income Benefit Rider (Greater of Maximum anniversary Value Benefit Base or 5% Accumulation Benefit Base) (form 272874) filed electronically as Exhibit 4.16 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.36 Form of Guaranteed Minimum Withdrawal Benefit Rider (The Guarantor(SM) Withdrawal Benefit) (form 272875) filed electronically as Exhibit 4.17 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.37 Form of Deferred Variable Annuity Contract (form 272876-DPSIG) filed electronically as Exhibit 4.18 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 7 to Registration Statement No. 333-74865 filed on or about February 2, 2004 is incorporated by reference. 4.38 Form of Deferred Variable Annuity Contract (form 272876-DPSG1) filed electronically as Exhibit 4.28 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 13 to Registration Statement No. 333-85567 filed on or about February 11, 2004 is incorporated by reference. 4.39 Form of Deferred Variable Annuity Contract (form 272876-DPWF6) filed electronically as Exhibit 4.29 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 13 to Registration Statement No. 333-85567 filed on or about February 11, 2004 is incorporated by reference. 4.40 Form of Deferred Variable Annuity Contract (form 272876-DPWF8) filed electronically as Exhibit 4.30 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 13 to Registration Statement No. 333-85567 filed on or about February 11, 2004 is incorporated by reference. 4.41 Form of Deferred Variable Annuity Contract (form 272876-DPFCC) filed electronically as Exhibit 4.21 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 5 to Registration Statement No. 333-73958 filed on or about February 10, 2004 is incorporated by reference. 4.42 Form of Deferred Variable Annuity Contract (form 272876-DPFCL) filed electronically as Exhibit 4.22 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 5 to Registration Statement No. 333-73958 filed on or about February 10, 2004 is incorporated by reference. 4.43 Form of Guaranteed Minimum Withdrawal Benefit Rider (form 273567) filed electronically as Exhibit 4.22 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 22 to Registration Statement No. 333-92297 filed on or about Jan. 28, 2005 is incorporated by reference. 4.44 Form of Guaranteed Minimum Accumulation Benefit Rider (form 273568) filed electronically as Exhibit 4.23 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 22 to Registration Statement No. 333-92297 filed on or about Jan. 28, 2005 is incorporated by reference. 4.45 Form of Annuity Endorsement (form 273566) filed electronically as Exhibit 4.24 to American Enterprise Variable Annuity Account's Post-Effective Amendment No. 22 to Registration Statement No. 333-92297 filed on or about Jan. 28, 2005 is incorporated by reference. 4.46 Form of Guaranteed Minimum Lifetime Withdrawal Benefit Rider (Guarantor Withdrawal Benefit for Life (SM) Rider) (Form 273959) filed electronically as Exhibit 4.22 to Post-Effective Amendment No. 14 to Registration Statement No. 333-74865 filed on or about April 28, 2006, is incorporated by reference. 4.47 Form of MVA Endorsement (form 44182) filed electronically as Exhibit 4.25 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.48 Form of Withdrawal Charges Endorsement (form 44189) filed electronically as Exhibit 4.26 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.49 Form of Age Endorsement (form 240496) filed electronically as Exhibit 4.27 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.50 Form of TSA Plan Endorsement - RVSL (form 272865) filed electronically as Exhibit 4.30 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.51 Form of TSA Plan Endorsement - AEL (form 272865) filed electronically as Exhibit 4.31 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.52 Form of 401 Plan Endorsement - RVSL (form 272866) filed electronically as Exhibit 4.32 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.53 Form of 401 Plan Endorsement - AEL (form 272866) filed electronically as Exhibit 4.33 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.54 Form of Unisex Endorsement (form 272867) filed electronically as Exhibit 4.34 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.55 Form of Fixed and Variable Annuity Contract (form 272876) is filed electronically herein. filed electronically as Exhibit 4.35 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.56 Form of Fixed and Variable Annuity Contract - RVSL (form 273954) filed electronically as Exhibit 4.37 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.57 Form of Fixed and Variable Annuity Contract - AEL (form 273954) filed electronically as Exhibit 4.38 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.58 Form of Contract Data Pages - RVSL (form 273954 DPSIG) filed electronically as Exhibit 4.39 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.59 Form of MAV GMIB Rider - RVSL (form 273961) filed electronically as Exhibit 4.40 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.60 Form of MAV GMIB Rider - AEL (form 273961) filed electronically as Exhibit 4.41 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.61 Form of 5% GMIB Rider - RVSL (form 273962) filed electronically as Exhibit 4.42 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.62 Form of 5% GMIB Rider - AEL (form 273962) filed electronically as Exhibit 4.43 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.63 Form of Greater of MAV or 5% GMIB Rider - RVSL (form 273963) filed electronically as Exhibit 4.44 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.64 Form of Greater of MAV or 5% GMIB Rider - AEL (form 273963) filed electronically as Exhibit 4.45 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.65 Form of Unisex Endorsement - RVSL (form 273964) filed electronically as Exhibit 4.46 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.66 Form of Unisex Endorsement - AEL (form 273964) filed electronically as Exhibit 4.47 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.67 Form of 5% Death Benefit Rider - RVSL (form 273965) filed electronically as Exhibit 4.48 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.68 Form of 5% Death Benefit Rider - AEL (form 273965) filed electronically as Exhibit 4.49 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.69 Form of Greater of MAV or 5% Death Benefit Rider - RVSL (form 273966) filed electronically as Exhibit 4.50 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.70 Form of Greater of MAV or 5% Death Benefit Rider - AEL (form 273966) filed electronically as Exhibit 4.51 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) Select Variable Annuity and RiverSource Signature(SM) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.71 Form of Contract Data Pages (form 240343-EDP) filed electronically as Exhibit 4.28 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource New Solutions(SM) Variable Annuity, RiverSource Innovations(SM) Variable Annuity, RiverSource Innovations(SM) Select Variable Annuity, RiverSource Innovations(SM) Classic, RiverSource Innovations(SM) Classic Select Variable Annuity, RiverSource Endeavor Select(SM) Variable Annuity, Evergreen New Solutions Variable Annuity, Evergreen Essential(SM) Variable Annuity, Evergreen New Solutions Select Variable Annuity and Wells Fargo Advantage(R) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.72 Form of Contract Data Pages - RVSL (form 273954DPINN) filed electronically as Exhibit 4.31 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource New Solutions(SM) Variable Annuity, RiverSource Innovations(SM) Variable Annuity, RiverSource Innovations(SM) Select Variable Annuity, RiverSource Innovations(SM) Classic, RiverSource Innovations(SM) Classic Select Variable Annuity, RiverSource Endeavor Select(SM) Variable Annuity, Evergreen New Solutions Variable Annuity, Evergreen Essential(SM) Variable Annuity, Evergreen New Solutions Select Variable Annuity and Wells Fargo Advantage(R) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.73 Form of Contract Data Pages - AEL (form 273954DPINN) filed electronically as Exhibit 4.32 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource New Solutions(SM) Variable Annuity, RiverSource Innovations(SM) Variable Annuity, RiverSource Innovations(SM) Select Variable Annuity, RiverSource Innovations(SM) Classic, RiverSource Innovations(SM) Classic Select Variable Annuity, RiverSource Endeavor Select(SM) Variable Annuity, Evergreen New Solutions Variable Annuity, Evergreen Essential(SM) Variable Annuity, Evergreen New Solutions Select Variable Annuity and Wells Fargo Advantage(R) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.74 Form of Variable Annuity Contract (form 271498) filed electronically as Exhibit 4.29 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource AccessChoice Select (SM) Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.75 Form of Contract Data Pages - RVSL (form 273954DPFCC) ) filed electronically as Exhibit 4.33 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM) Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.76 Form of Contract Data Pages - AEL (form 273954DPFCC) ) filed electronically as Exhibit 4.34 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM) Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.77 Form of Contract Data Pages - RVSL (form 273954DPFCL) ) filed electronically as Exhibit 4.35 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM) Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.78 Form of Contract Data Pages - AEL (form 273954DPFCL) ) filed electronically as Exhibit 4.36 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource AccessChoice Select(SM) Variable Annuity, RiverSource FlexChoice(SM) Select Variable Annuity, Evergreen Pathways(SM) Variable Annuity, Evergreen Pathways(SM) Select Variable Annuity, Evergreen Privilege(SM) Variable Annuity, Wells Fargo Advantage Choice(SM) Variable Annuity and Wells Fargo Advantage Choice(SM) Select Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.79 Form of Contract Data Pages - RVSL (form 273954DPSG1) filed electronically as Exhibit 4.39 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) One Variable Annuity, RiverSource Signature(SM) One Select Variable Annuity, Wells Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.80 Form of Contract Data Pages - AEL (form 273954DPSG1) filed electronically as Exhibit 4.40 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) One Variable Annuity, RiverSource Signature(SM) One Select Variable Annuity, Wells Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.81 Form of Contract Data Pages - RVSL (form 273954DPWFB) filed electronically as Exhibit 4.41 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) One Variable Annuity, RiverSource Signature(SM) One Select Variable Annuity, Wells Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.82 Form of Contract Data Pages - AEL (form 273954DPWFB) filed electronically as Exhibit 4.42 with the Initial Registration Statement on Form N-4 for RiverSource Variable Annuity Account (previously American Enterprise Variable Annuity Account), RiverSource Signature(SM) One Variable Annuity, RiverSource Signature(SM) One Select Variable Annuity, Wells Fargo Advantage(R) Builder Select Variable Annuity, Wells Fargo Advantage(R) Builder Variable Annuity and Wells Fargo Advantage(R) Variable Annuity, on or about Jan. 2, 2007, is incorporated by reference. 4.83 Form of Unisex Traditional and SEP IRA Endorsement (form 43412) filed electronically as Exhibit 4.3 to American Enterprise Variable Annuity Account's Pre-Effective Amendment No. 1 to Registration Statement No. 333-74865, on or about Aug 4, 1999, is incorporated by reference. 5. Opinion of Counsel and consent to its use as to the securities being registered, is filed electronically herewith. 6-22. Not applicable. 23. Consent of Independent Registered Public Accounting Firm, is filed electronically herewith. 24. Power of Attorney to sign this Registration Statement, dated Jan. 2, 2007, is filed electronically herein. 25-99. Not applicable. Item 17. Undertakings Registrant hereby undertakes: (1) To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement: (i) To include any prospectus required by section 10(a)(3) of the Securities Act of 1933, (ii) To reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in the registration statement, (iii) To include any material information with respect to the plan of distribution not previously disclosed in the registration statement or any material change to such information in the registration statement, (iv) Registrant represents that it is relying upon the no-action assurance given to the American Council of Life Insurance (pub. Avail. Nov. 28, 1988). Further, Registrant represents that it has complied with the provisions of paragraphs (1) - (4) of that no-action letter. (2) That, for the purpose of determining any liability under the Securities Act of 1933, each such post-effective amendment shall be deemed a new registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial bona fide offering thereof. (3) That all post-effective amendments will comply with the applicable forms, rules and regulations of the Commission in effect at the time such post-effective amendments are filed, and (4) To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering. SIGNATURES Pursuant to the requirements of the Securities Act of 1933, the Registrant has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized in the City of Minneapolis, and State of Minnesota on the 2nd day of Jan., 2007. RiverSource MVA Account (previously American Enterprise MVA Account) (Registrant) By RiverSource Life Insurance Company (previously American Enterprise Life Insurance Company) By /s/ Timothy V. Bechtold* ----------------------- Timothy V. Bechtold President Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed by the following persons in the capacities indicated on the 2nd day of Jan., 2007.

~~Qualified~~Signature ~~Annuities~~Title ~~Non-Qualified~~/s/ ~~Annuities~~Gumer ~~Variable~~C. ~~account~~Alvero* ~~administrative~~Director ~~charge:~~and ~~0.15%~~Executive ~~0.15%~~Vice ~~Mortality~~------------------------------------ ~~and~~President ~~expense~~- ~~risk~~Annuities ~~fee:~~Gumer 0C.85 ~~1.10~~Alvero ~~Maximum~~/s/ ~~Anniversary~~Timothy ~~Value~~V. ~~Death~~Bechtold* ~~Benefit~~Director ~~Rider~~and ~~(MAV)~~President ~~fee:~~------------------------------------ 0Timothy V.10 0Bechtold /s/ Brian J.10 McGrane* Director, Executive ---- -------------------------------- ~~(As~~Vice ~~part~~President ~~of the mortality~~ and ~~expense~~Brian ~~risk fee~~J. ~~This~~McGrane isChief anFinancial ~~optional~~Officer ~~expense.)~~/s/ ~~Total~~Kevin ~~annual~~E. ~~variable~~Palmer* ~~account~~Director, ~~expenses~~Vice ~~without~~President ~~the~~and ~~optional~~----------------------------------- ~~MAV~~Chief ~~fee:~~Actuary ~~1.00%~~Kevin 1E.~~25%~~ ~~Total~~Palmer ~~annual~~/s/ ~~variable~~Mark ~~account~~E. ~~expense~~Schwarzmann* ~~with~~Director, ~~the~~Chairman ~~optional~~of ~~MAV~~the ~~fee:~~Board ~~1.10% 1.35%~~ ------------------------------------ and Chief Executive Officer Mark E. Schwarzmann (Chief Executive Officer) /s/ Bridget M. Sperl* Executive Vice President - ------------------------------------~~-------~~ 6Client ~~AMERICAN~~Services ~~EXPRESS~~Bridget ~~NEW~~M. ~~SOLUTIONS~~Sperl ~~VARIABLE~~/s/ ~~ANNUITY~~David K. Stewart* Vice President and Controller ------------------------------------ ~~PROSPECTUS~~David K. Stewart

* Signed pursuant to Power of Attorney dated Jan. 2, 2007 filed electronically herewith as Exhibit 24 to Registrant's Initial Registration Statement on Form S-1 on or about Jan. 2, 2007, by: /s/ Mary Ellyn Minenko ----------------------- Mary Ellyn Minenko Assistant General Counsel

Management 12b-1 Other fees fees expenses Total AXP(R)Variable Portfolio - Cash Management Fund .51% .13% .04% .68%(1) Federal Income Fund .61 .13 .13 .87(2) Managed Fund .59 .13 .03 .75(1) New Dimensions Fund(R) .60 .13 .05 .78(1) S&P 500 Index Fund .28 .13 .07 .48(2) Small Cap Advantage Fund .75 .13 .31 1.19(2) AIM V.I. Capital Appreciation Fund .61 -- .21 .82(3) Dent Demographic Trends Fund .72 -- .78 1.50(4) Value Fund .61 -- .23 .84(3) Alliance VP Growth & Income Portfolio (Class B) .63 .25 .07 .95(5) Premier Growth Portfolio (Class B) 1.00 .25 .05 1.30(5) Technology Portfolio (Class B) .99 .25 .07 1.31(5) Evergreen VA Global Leaders Fund .87 -- .14 1.01(6) Growth and Income Fund .87 -- .14 1.01(6) Masters Fund .87 -- .14 1.01(6) Omega Fund .52 -- .16 .68(6) Small Cap Value Fund .87 -- .15 1.02(6) Strategic Income Fund .55 -- .29 .84(6) Fidelity VIP III Mid Cap Portfolio (Service Class) .57 .10 .17 .84(7) Contrafund(R)Portfolio (Service Class) .57 .10 .09 .76(7) High Income Portfolio (Service Class) .58 .10 .10 .78(7) Franklin Templeton VIP Trust Franklin Small Cap Fund - Class 2 .49 .25 .28 1.02(8),(9),(10) Mutual Shares Securities Fund - Class 2 .60 .25 .20 1.05(8) Templeton Developing Markets Securities Fund - Class 2 1.25 .25 .31 1.81(8) Templeton International Securities Fund - Class 2 .67 .25 .20 1.12(8) MFS(R) Investors Growth Stock Series - Service Class (previously MFS(R)Growth Series) .75 .20 .16 1.11(11),(12) New Discovery Series - Service Class .90 .20 .16 1.26(11),(12) Total Return Series - Service Class .75 .20 .15 1.10(11) Putnam Variable Trust Putnam VT Growth and Income Fund - Class IB Shares .46 .25 .04 .75(13) Putnam VT International New Opportunities Fund - Class IB Shares 1.00 .25 .21 1.46(13) Putnam VT Vista Fund - Class IB Shares .60 .25 .07 .92(13) (1) The fund's expense figures are based on actual expenses for the fiscal year ended Aug. 31, 2000. (2) The fund's expense figures are based on actual expenses, after fee waivers and expense reimbursements, for the fiscal year ending Aug. 31, 2000. Without fee waivers and expense reimbursements "Other Expenses" and "Total" would be 0.15% and 0.89% for AXP Variable Portfolio - Federal Income Fund, 1.16% and 1.57% for AXP Variable Portfolio - S&P 500 Index Fund and 0.55% and 1.43% for AXP Variable Portfolio - Small Cap Advantage Fund. (3) Figures in "Management Fees," "12b-1 Fees," "Other Expenses" and "Total" are based on actual expenses for the fiscal year ended Dec. 31, 2000. (4) Expenses are after fee waivers and have been restated to reflect current fees. The investment advisor has agreed to waive fees and/or reimburse expenses (excluding interest, taxes, dividend expense on short sales, extraordinary items and increases in expenses due to expense offset arrangements, if any) to limit total annual fund operating expenses to 1.50% of average daily net assets until Dec. 31, 2001. Total annual fund operating expenses before waivers were 1.63%. -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 7

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - Cash Management Fund contract with no additional riders $100.98 $134.79 $171.18 $239.45 $20.98 $64.79 $111.18 $239.45 optional Benefit Protector 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 optional Benefit Protector Plus 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 optional GMIB 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 optional GMIB and Benefit Protector 106.62 151.74 199.47 296.02 26.62 81.74 139.47 296.02 optional GMIB and Benefit Protector Plus 108.16 156.33 207.07 310.92 28.16 86.33 147.07 310.92 AXP(R) Variable Portfolio - Federal Income Fund contract with no additional riders 102.93 140.67 181.02 259.34 22.93 70.67 121.02 259.34 optional Benefit Protector 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 optional Benefit Protector Plus 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 optional GMIB 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional GMIB and Benefit Protector 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 optional GMIB and Benefit Protector Plus 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 AXP(R) Variable Portfolio - Managed Fund contract with no additional riders 101.70 136.96 174.81 246.82 21.70 66.96 114.81 246.82 optional Benefit Protector 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 optional Benefit Protector Plus 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 optional GMIB 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 optional GMIB and Benefit Protector 107.34 153.88 203.02 303.00 27.34 83.88 143.02 303.00 optional GMIB and Benefit Protector Plus 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 AXP(R)Variable Portfolio - New Dimensions Fund(R) contract with no additional riders 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 optional Benefit Protector 104.57 145.60 189.26 275.80 24.57 75.60 129.26 275.80 optional Benefit Protector Plus 106.11 150.21 196.92 291.00 26.11 80.21 136.92 291.00 optional GMIB 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 optional GMIB and Benefit Protector 107.64 154.80 204.54 305.98 27.64 84.80 144.54 305.98 optional GMIB and Benefit Protector Plus 109.18 159.38 212.11 320.73 29.18 89.38 152.11 320.73 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 9

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - S&P 500 Index Fund contract with no additional riders $ 98.93 $128.58 $160.73 $218.10 $18.93 $ 58.58 $100.73 $218.10 optional Benefit Protector 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 optional Benefit Protector Plus 103.03 140.98 181.54 260.38 23.03 70.98 121.54 260.38 optional GMIB 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 optional GMIB and Benefit Protector 104.57 145.60 189.26 275.80 24.57 75.60 129.26 275.80 optional GMIB and Benefit Protector Plus 106.11 150.21 196.92 291.00 26.11 80.21 136.92 291.00 AXP(R) Variable Portfolio - Small Cap Advantage Fund contract with no additional riders 106.21 150.51 197.43 292.01 26.21 80.51 137.43 292.01 optional Benefit Protector 108.77 158.16 210.10 316.82 28.77 88.16 150.10 316.82 optional Benefit Protector Plus 110.31 162.73 217.63 331.41 30.31 92.73 157.63 331.41 optional GMIB 109.28 159.69 212.61 321.71 29.28 89.69 152.61 321.71 optional GMIB and Benefit Protector 111.85 167.29 225.12 345.78 31.85 97.29 165.12 345.78 optional GMIB and Benefit Protector Plus 113.38 171.83 232.56 359.94 33.38 101.83 172.56 359.94 AIM V.I. Capital Appreciation Fund contract with no additional riders 102.42 139.12 178.44 254.14 22.42 69.12 118.44 254.14 optional Benefit Protector 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 optional Benefit Protector Plus 106.52 151.43 198.96 295.02 26.52 81.43 138.96 295.02 optional GMIB 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 optional GMIB and Benefit Protector 108.05 156.02 206.56 309.93 28.05 86.02 146.56 309.93 optional GMIB and Benefit Protector Plus 109.59 160.60 214.12 324.63 29.59 90.60 154.12 324.63 AIM V.I. Dent Demographic Trends Fund contract with no additional riders 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 optional Benefit Protector 111.95 167.59 225.62 346.73 31.95 97.59 165.62 346.73 optional Benefit Protector Plus 113.49 172.13 233.06 360.88 33.49 102.13 173.06 360.88 optional GMIB 112.46 169.10 228.10 351.47 32.46 99.10 168.10 351.47 optional GMIB and Benefit Protector 115.02 176.65 240.45 374.81 35.02 106.65 180.45 374.81 optional GMIB and Benefit Protector Plus 116.56 181.17 247.79 388.54 36.56 111.17 187.79 388.54 AIM V.I. Value Fund contract with no additional riders 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector 105.18 147.44 192.33 281.91 25.18 77.44 132.33 281.91 optional Benefit Protector Plus 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 optional GMIB 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 optional GMIB and Benefit Protector 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 optional GMIB and Benefit Protector Plus 109.80 161.21 215.13 326.57 29.80 91.21 155.13 326.57 Alliance VP Growth & Income Portfolio (Class B) contract with no additional riders 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 optional Benefit Protector 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 optional Benefit Protector Plus 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 optional GMIB 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 optional GMIB and Benefit Protector 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 optional GMIB and Benefit Protector Plus 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Alliance VP Premier Growth Portfolio (Class B) contract with no additional riders $107.34 $153.88 $203.02 $303.00 $27.34 $ 83.88 $143.02 $303.00 optional Benefit Protector 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 optional Benefit Protector Plus 111.44 166.07 223.13 341.97 31.44 96.07 163.13 341.97 optional GMIB 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37 optional GMIB and Benefit Protector 112.97 170.62 230.58 356.19 32.97 100.62 170.58 356.19 optional GMIB and Benefit Protector Plus 114.51 175.15 237.99 370.19 34.51 105.15 177.99 370.19 Alliance VP Technology Portfolio (Class B) contract with no additional riders 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional Benefit Protector 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional Benefit Protector Plus 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 optional GMIB 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 optional GMIB and Benefit Protector 113.08 170.92 231.08 357.13 33.08 100.92 171.08 357.13 optional GMIB and Benefit Protector Plus 114.61 175.45 238.48 371.12 34.61 105.45 178.48 371.12 Evergreen VA Global Leaders Fund contract with no additional riders 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional Benefit Protector Plus 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional GMIB 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional GMIB and Benefit Protector Plus 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 Evergreen VA Growth and Income Fund contract with no additional riders 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional Benefit Protector Plus 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional GMIB 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional GMIB and Benefit Protector Plus 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 Evergreen VA Masters Fund contract with no additional riders 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional Benefit Protector Plus 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional GMIB 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional GMIB and Benefit Protector Plus 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 Evergreen VA Omega Fund contract with no additional riders 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 optional Benefit Protector Plus 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 optional GMIB 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 optional GMIB and Benefit Protector 106.62 151.74 199.47 296.02 26.62 81.74 139.47 296.02 optional GMIB and Benefit Protector Plus 108.16 156.33 207.07 310.92 28.16 86.33 147.07 310.92 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 11

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Evergreen VA Small Cap Value Fund contract with no additional riders $104.47 $145.29 $188.74 $274.78 $24.47 $75.29 $128.74 $274.78 optional Benefit Protector 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 optional Benefit Protector Plus 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 optional GMIB 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 optional GMIB and Benefit Protector 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 optional GMIB and Benefit Protector Plus 111.64 166.68 224.13 343.88 31.64 96.68 164.13 343.88 Evergreen VA Strategic Income Fund contract with no additional riders 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector 105.18 147.44 192.33 281.91 25.18 77.44 132.33 281.91 optional Benefit Protector Plus 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 optional GMIB 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 optional GMIB and Benefit Protector 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 optional GMIB and Benefit Protector Plus 109.80 161.21 215.13 326.57 29.80 91.21 155.13 326.57 Fidelity VIP III Mid Cap Portfolio (Service Class) contract with no additional riders 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector 105.18 147.44 192.33 281.91 25.18 77.44 132.33 281.91 optional Benefit Protector Plus 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 optional GMIB 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 optional GMIB and Benefit Protector 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 optional GMIB and Benefit Protector Plus 109.80 161.21 215.13 326.57 29.80 91.21 155.13 326.57 Fidelity VIP Contrafund(R)Portfolio (Service Class) contract with no additional riders 101.80 137.27 175.33 247.87 21.80 67.27 115.33 247.87 optional Benefit Protector 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector Plus 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional GMIB 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 optional GMIB and Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 Fidelity VIP High Income Portfolio (Service Class) contract with no additional riders 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 optional Benefit Protector 104.57 145.60 189.26 275.80 24.57 75.60 129.26 275.80 optional Benefit Protector Plus 106.11 150.21 196.92 291.00 26.11 80.21 136.92 291.00 optional GMIB 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 optional GMIB and Benefit Protector 107.64 154.80 204.54 305.98 27.64 84.80 144.54 305.98 optional GMIB and Benefit Protector Plus 109.18 159.38 212.11 320.73 29.18 89.38 152.11 320.73 FTVIPT Franklin Small Cap Fund - Class 2 contract with no additional riders 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional Benefit Protector 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 optional Benefit Protector Plus 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 optional GMIB 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 optional GMIB and Benefit Protector 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 optional GMIB and Benefit Protector Plus 111.64 166.68 224.13 343.88 31.64 96.68 164.13 343.88 -------------------------------------------------------------------------------- 12 AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years FTVIPT Mutual Shares Securities Fund - Class 2 contract with no additional riders $104.77 $146.21 $190.28 $277.84 $24.77 $ 76.21 $130.28 $277.84 optional Benefit Protector 107.34 153.88 203.02 303.00 27.34 83.88 143.02 303.00 optional Benefit Protector Plus 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 optional GMIB 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 optional GMIB and Benefit Protector 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37 optional GMIB and Benefit Protector Plus 111.95 167.59 225.62 346.72 31.95 97.59 165.62 346.73 FTVIPT Templeton Developing Markets Securities Fund - Class 2 contract with no additional riders 112.56 169.41 228.60 352.42 32.56 99.41 168.60 352.42 optional Benefit Protector 115.13 176.96 240.94 375.73 35.13 106.96 180.94 375.73 optional Benefit Protector Plus 116.66 181.47 248.28 389.45 36.66 111.47 188.28 389.45 optional GMIB 115.64 178.46 243.39 380.33 35.64 108.46 183.39 380.33 optional GMIB and Benefit Protector 118.20 185.96 255.57 402.95 38.20 115.96 195.57 402.95 optional GMIB and Benefit Protector Plus 119.74 190.45 262.82 416.25 39.74 120.45 202.82 416.25 FTVIPT Templeton International Securities Fund - Class 2 contract with no additional riders 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 optional Benefit Protector 108.05 156.02 206.56 309.93 28.05 86.02 146.56 309.93 optional Benefit Protector Plus 109.59 160.60 214.12 324.63 29.59 90.60 154.12 324.63 optional GMIB 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 optional GMIB and Benefit Protector 111.13 165.16 221.63 339.10 31.13 95.16 161.63 339.10 optional GMIB and Benefit Protector Plus 112.67 169.71 229.09 353.36 32.67 99.71 169.09 353.36 MFS(R)Investors Growth Stock Series - Service Class (previously named MFS(R)Growth Series) contract with no additional riders 105.39 148.06 193.35 283.94 25.39 78.06 133.35 283.94 optional Benefit Protector 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 optional Benefit Protector Plus 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 optional GMIB 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional GMIB and Benefit Protector 111.03 164.86 221.13 338.14 31.03 94.86 161.13 338.14 optional GMIB and Benefit Protector Plus 112.56 169.41 228.60 352.42 32.56 99.41 168.60 352.42 MFS(R) New Discovery Series - Service Class contract with no additional riders 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional Benefit Protector 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 optional Benefit Protector Plus 111.03 164.86 221.13 338.14 31.03 94.86 161.13 338.14 optional GMIB 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional GMIB and Benefit Protector 112.56 169.41 228.60 352.42 32.56 99.41 168.60 352.42 optional GMIB and Benefit Protector Plus 114.10 173.94 236.02 366.48 34.10 103.94 176.02 366.48 MFS(R) Total Return Series - Service Class contract with no additional riders 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 optional Benefit Protector 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 optional Benefit Protector Plus 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 optional GMIB 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 optional GMIB and Benefit Protector 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18 optional GMIB and Benefit Protector Plus 112.46 169.10 228.10 351.47 32.46 99.10 168.10 351.47 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 13

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - Cash Management Fund contract with no additional riders $ 99.96 $131.69 $165.96 $228.83 $19.96 $61.69 $105.96 $228.83 optional Benefit Protector 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 optional Benefit Protector Plus 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 AXP(R) Variable Portfolio - Federal Income Fund contract with no additional riders 101.90 137.58 175.85 248.92 21.90 67.58 115.85 248.92 optional Benefit Protector 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional Benefit Protector Plus 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 AXP(R) Variable Portfolio - Managed Fund contract with no additional riders 100.67 133.86 169.61 236.27 20.67 63.86 109.61 236.27 optional Benefit Protector 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 optional Benefit Protector Plus 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 AXP(R)Variable Portfolio - New Dimensions Fund(R) contract with no additional riders 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 optional Benefit Protector Plus 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 AXP(R) Variable Portfolio - S&P 500 Index Fund contract with no additional riders 97.91 125.46 155.47 207.27 17.91 55.46 95.47 207.27 optional Benefit Protector 100.47 133.24 168.57 234.15 20.47 63.24 108.57 234.15 optional Benefit Protector Plus 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 AXP(R) Variable Portfolio - Small Cap Advantage Fund contract with no additional riders 105.18 147.44 192.33 281.91 25.18 77.44 132.33 281.91 optional Benefit Protector 107.75 155.11 205.05 306.97 27.75 85.11 145.05 306.97 optional Benefit Protector Plus 109.28 159.69 212.61 321.71 29.28 89.69 152.61 321.71 AIM V.I. Capital Appreciation Fund contract with no additional riders 101.39 136.03 173.26 243.67 21.39 66.03 113.26 243.67 optional Benefit Protector 103.95 143.75 186.17 269.66 23.95 73.75 126.17 269.66 optional Benefit Protector Plus 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 AIM V.I. Dent Demographic Trends Fund contract with no additional riders 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 optional Benefit Protector 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18 optional Benefit Protector Plus 112.46 169.10 228.10 351.47 32.46 99.10 168.10 351.47 AIM V.I. Value Fund contract with no additional riders 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 optional Benefit Protector 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 optional Benefit Protector Plus 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 Alliance VP Growth & Income Portfolio (Class B) contract with no additional riders 102.72 140.05 179.99 257.26 22.72 70.05 119.99 257.26 optional Benefit Protector 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 optional Benefit Protector Plus 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 Alliance VP Premier Growth Portfolio (Class B) contract with no additional riders 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 optional Benefit Protector 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 optional Benefit Protector Plus 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Alliance VP Technology Portfolio (Class B) contract with no additional riders $106.41 $151.13 $198.45 $294.02 $26.41 $81.13 $138.45 $294.02 optional Benefit Protector 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 optional Benefit Protector Plus 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 Evergreen VA Global Leaders Fund contract with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Evergreen VA Growth and Income Fund contract with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Evergreen VA Masters Fund contract with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Evergreen VA Omega Fund contract with no additional riders 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 optional Benefit Protector 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 optional Benefit Protector Plus 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 Evergreen VA Small Cap Value Fund contract with no additional riders 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 optional Benefit Protector 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional Benefit Protector Plus 107.54 154.49 204.03 304.99 27.54 84.48 144.03 304.99 Evergreen VA Strategic Income Fund contract with no additional riders 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 optional Benefit Protector 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 optional Benefit Protector Plus 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 Fidelity VIP III Mid Cap Portfolio (Service Class) contract with no additional riders 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 optional Benefit Protector 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 optional Benefit Protector Plus 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 Fidelity VIP Contrafund(R)Portfolio (Service Class) contract with no additional riders 100.78 134.17 170.14 237.33 20.78 64.17 110.14 237.33 optional Benefit Protector 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector Plus 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 Fidelity VIP High Income Portfolio (Service Class) contract with no additional riders 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 optional Benefit Protector Plus 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 FTVIPT Franklin Small Cap Fund - Class 2 contract with no additional riders 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 optional Benefit Protector 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional Benefit Protector Plus 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years FTVIPT Mutual Shares Securities Fund - Class 2 contract with no additional riders $103.75 $143.13 $185.15 $267.60 $23.75 $ 73.13 $125.15 $267.60 optional Benefit Protector 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 optional Benefit Protector Plus 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 FTVIPT Templeton Developing Markets Securities Fund - Class 2 contract with no additional riders 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 optional Benefit Protector 114.10 173.94 236.02 366.48 34.10 103.94 176.02 366.48 optional Benefit Protector Plus 115.64 178.46 243.39 380.33 35.64 108.46 183.39 380.33 FTVIPT Templeton International Securities Fund - Class 2 contract with no additional riders 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional Benefit Protector 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 optional Benefit Protector Plus 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 MFS(R)Investors Growth Stock Series - Service Class (previously named MFS(R)Growth Series) contract with no additional riders 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional Benefit Protector Plus 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MFS(R) New Discovery Series - Service Class contract with no additional riders 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 MFS(R) Total Return Series - Service Class contract with no additional riders 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 optional Benefit Protector 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 optional Benefit Protector Plus 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 Putnam VT Growth and Income Fund - Class IB Shares contract with no additional riders 100.67 133.86 169.61 236.27 20.67 63.86 109.61 236.27 optional Benefit Protector 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 optional Benefit Protector Plus 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 Putnam VT International New Opportunities Fund - Class IB Shares contract with no additional riders 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 optional Benefit Protector 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 optional Benefit Protector Plus 112.05 167.89 226.12 347.68 32.05 97.89 166.12 347.68 Putnam VT Vista Fund - Class IB Shares contract with no additional riders 102.42 139.12 178.44 254.14 22.42 69.12 118.44 254.14 optional Benefit Protector 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 optional Benefit Protector Plus 106.52 151.43 198.96 295.02 26.52 81.43 138.96 295.02

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - Cash Management Fund contract with no additional riders $ 98.42 $127.02 $158.10 $212.70 $18.42 $57.02 $ 98.10 $212.70 optional Benefit Protector 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector Plus 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 optional GMIB 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 optional GMIB and Benefit Protector 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 optional GMIB and Benefit Protector Plus 105.59 148.67 194.37 285.96 25.59 78.67 134.37 285.96 AXP(R) Variable Portfolio - Federal Income Fund contract with no additional riders 100.37 132.93 168.02 233.09 20.37 62.93 108.05 233.09 optional Benefit Protector 102.93 140.67 181.02 259.34 22.93 70.67 121.02 259.34 optional Benefit Protector Plus 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional GMIB 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 optional GMIB and Benefit Protector 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional GMIB and Benefit Protector Plus 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 AXP(R) Variable Portfolio - Managed Fund contract with no additional riders 99.14 129.20 161.78 220.26 19.14 59.20 101.78 220.26 optional Benefit Protector 101.70 136.96 174.81 246.82 21.70 66.96 114.81 246.82 optional Benefit Protector Plus 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 optional GMIB 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 optional GMIB and Benefit Protector 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 optional GMIB and Benefit Protector Plus 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 AXP(R)Variable Portfolio - New Dimensions Fund(R) contract with no additional riders 99.44 130.13 163.35 223.48 19.44 60.13 103.35 223.48 optional Benefit Protector 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 optional Benefit Protector Plus 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 optional GMIB 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 optional GMIB and Benefit Protector 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 optional GMIB and Benefit Protector Plus 106.62 151.74 199.47 296.02 26.62 81.74 139.47 296.02 AXP(R) Variable Portfolio - S&P 500 Index Fund contract with no additional riders 96.37 120.78 147.54 190.82 16.37 50.78 87.54 190.82 optional Benefit Protector 98.93 128.58 160.73 218.10 18.93 58.58 100.73 218.10 optional Benefit Protector Plus 100.47 133.24 168.57 234.15 20.47 63.24 108.57 234.15 optional GMIB 99.44 130.13 163.35 223.48 19.44 60.13 103.35 223.48 optional GMIB and Benefit Protector 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 optional GMIB and Benefit Protector Plus 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 AXP(R) Variable Portfolio - Small Cap Advantage Fund contract with no additional riders 103.65 142.83 184.63 266.57 23.65 72.83 124.63 266.57 optional Benefit Protector 106.21 150.51 197.43 292.01 26.21 80.51 137.43 292.01 optional Benefit Protector Plus 107.75 155.11 205.05 306.97 27.75 85.11 145.05 306.97 optional GMIB 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 optional GMIB and Benefit Protector 109.28 159.69 212.61 321.71 29.28 89.69 152.61 321.71 optional GMIB and Benefit Protector Plus 110.82 164.25 220.13 336.22 30.82 94.25 160.13 336.22

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AIM V.I. Capital Appreciation Fund contract with no additional riders $ 99.85 $131.38 $165.44 $227.76 $19.85 $ 61.38 $105.44 $227.76 optional Benefit Protector 102.42 139.12 178.44 254.14 22.42 69.12 118.44 254.14 optional Benefit Protector Plus 103.95 143.75 186.17 269.66 23.95 73.75 126.17 269.66 optional GMIB 102.93 140.67 181.02 259.34 22.93 70.67 121.02 259.34 optional GMIB and Benefit Protector 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 optional GMIB and Benefit Protector Plus 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 AIM V.I. Dent Demographic Trends Fund contract with no additional riders 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 optional Benefit Protector 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 optional Benefit Protector Plus 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18 optional GMIB 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 optional GMIB and Benefit Protector 112.46 169.10 228.10 351.47 32.46 99.10 168.10 351.47 optional GMIB and Benefit Protector Plus 114.00 173.64 235.52 365.55 34.00 103.64 175.52 365.55 AIM V.I. Value Fund contract with no additional riders 100.06 132.00 166.48 229.89 20.06 62.00 106.48 229.89 optional Benefit Protector 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector Plus 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 optional GMIB 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 optional GMIB and Benefit Protector 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 optional GMIB and Benefit Protector Plus 107.23 153.58 202.51 302.01 27.23 83.52 142.51 302.01 Alliance VP Growth & Income Portfolio (Class B) contract with no additional riders 101.19 135.41 172.22 241.56 21.19 65.41 112.22 241.56 optional Benefit Protector 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 optional Benefit Protector Plus 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 optional GMIB 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 optional GMIB and Benefit Protector 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 optional GMIB and Benefit Protector Plus 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 Alliance VP Premier Growth Portfolio (Class B) contract with no additional riders 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 optional Benefit Protector 107.34 153.88 203.02 303.00 27.34 83.88 143.02 303.00 optional Benefit Protector Plus 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 optional GMIB 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 optional GMIB and Benefit Protector 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37 optional GMIB and Benefit Protector Plus 111.95 167.59 225.62 346.73 31.95 97.59 165.62 346.73 Alliance VP Technology Portfolio (Class B) contract with no additional riders 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 optional Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 optional GMIB 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 optional GMIB and Benefit Protector 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 optional GMIB and Benefit Protector Plus 112.05 167.89 226.12 347.68 32.05 97.89 166.12 347.68

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Evergreen VA Global Leaders Fund contract with no additional riders $101.80 $137.27 $175.33 $247.87 $21.80 $67.27 $115.33 $247.87 optional Benefit Protector 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector Plus 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional GMIB 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 optional GMIB and Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 Evergreen VA Growth and Income Fund contract with no additional riders 101.80 137.27 175.33 247.87 21.80 67.27 115.33 247.87 optional Benefit Protector 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector Plus 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional GMIB 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 optional GMIB and Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 Evergreen VA Masters Fund contract with no additional riders 101.80 137.27 175.33 247.87 21.80 67.27 115.33 247.87 optional Benefit Protector 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector Plus 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional GMIB 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 optional GMIB and Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 Evergreen VA Omega Fund contract with no additional riders 98.42 127.02 158.10 212.70 18.42 57.02 98.10 212.70 optional Benefit Protector 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector Plus 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 optional GMIB 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 optional GMIB and Benefit Protector 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 optional GMIB and Benefit Protector Plus 105.59 148.67 194.37 285.96 25.59 78.67 134.37 285.96 Evergreen VA Small Cap Value Fund contract with no additional riders 101.90 137.58 175.85 248.92 21.90 67.58 115.85 248.92 optional Benefit Protector 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional Benefit Protector Plus 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional GMIB 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 optional GMIB and Benefit Protector 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 optional GMIB and Benefit Protector Plus 109.08 159.08 211.61 319.75 29.08 89.08 151.61 319.75 Evergreen VA Strategic Income Fund contract with no additional riders 100.06 132.00 166.48 229.89 20.06 62.00 106.48 229.89 optional Benefit Protector 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector Plus 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 optional GMIB 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 optional GMIB and Benefit Protector 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 optional GMIB and Benefit Protector Plus 107.23 153.58 202.51 302.01 27.23 83.58 142.51 302.01

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Fidelity VIP III Mid Cap Portfolio (Service Class) contract with no additional riders $100.06 $132.00 $166.48 $229.89 $20.06 $ 62.00 $106.48 $229.89 optional Benefit Protector 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector Plus 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 optional GMIB 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 optional GMIB and Benefit Protector 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 optional GMIB and Benefit Protector Plus 107.23 153.58 202.51 302.01 27.23 83.58 142.51 302.01 Fidelity VIP Contrafund(R)Portfolio (Service Class) contract with no additional riders 99.24 129.51 162.30 221.33 19.24 59.51 102.30 221.33 optional Benefit Protector 101.80 137.27 175.33 247.87 21.80 67.27 115.33 247.87 optional Benefit Protector Plus 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional GMIB 102.31 138.81 177.92 253.10 22.31 68.81 117.92 253.10 optional GMIB and Benefit Protector 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 optional GMIB and Benefit Protector Plus 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 Fidelity VIP High Income Portfolio (Service Class) contract with no additional riders 99.44 130.13 163.35 223.48 19.44 60.13 103.35 223.48 optional Benefit Protector 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 optional Benefit Protector Plus 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 optional GMIB 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 optional GMIB and Benefit Protector 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 optional GMIB and Benefit Protector Plus 106.62 151.74 199.47 296.02 26.62 81.74 139.47 296.02 FTVIPT Franklin Small Cap Fund - Class 2 contract with no additional riders 101.90 137.58 175.85 248.92 21.90 67.58 115.85 248.92 optional Benefit Protector 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional Benefit Protector Plus 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional GMIB 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 optional GMIB and Benefit Protector 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 optional GMIB and Benefit Protector Plus 109.08 159.08 211.61 319.75 29.08 89.08 151.61 319.75 FTVIPT Mutual Shares Securities Fund - Class 2 contract with no additional riders 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 optional Benefit Protector 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 optional Benefit Protector Plus 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 optional GMIB 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 optional GMIB and Benefit Protector 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 optional GMIB and Benefit Protector Plus 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 FTVIPT Templeton Developing Markets Securities Fund - Class 2 contract with no additional riders 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional Benefit Protector 112.56 169.41 228.60 352.42 32.56 99.41 168.60 352.42 optional Benefit Protector Plus 114.10 173.94 236.02 366.48 34.10 103.94 176.02 366.48 optional GMIB 113.08 170.92 231.08 357.13 33.08 100.92 171.08 357.13 optional GMIB and Benefit Protector 115.64 178.46 243.39 380.33 35.64 108.46 183.39 380.33 optional GMIB and Benefit Protector Plus 117.18 182.97 250.71 393.97 37.18 112.97 190.71 393.97

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years FTVIPT Templeton International Securities Fund - Class 2 contract with no additional riders $102.93 $140.67 $181.02 $259.34 $22.93 $ 70.67 $121.02 $259.34 optional Benefit Protector 105.49 148.36 193.86 284.95 25.49 78.39 133.86 284.95 optional Benefit Protector Plus 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 optional GMIB 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 optional GMIB and Benefit Protector 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 optional GMIB and Benefit Protector Plus 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 MFS(R)Investors Growth Stock Series - Service Class (previously named MFS(R)Growth Series) contract with no additional riders 102.83 140.36 180.51 258.30 22.83 70.36 120.51 258.30 optional Benefit Protector 105.39 148.06 193.35 283.94 25.39 78.06 133.35 283.94 optional Benefit Protector Plus 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional GMIB 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional GMIB and Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional GMIB and Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 MFS(R) New Discovery Series - Service Class contract with no additional riders 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 optional Benefit Protector Plus 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 optional GMIB 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 optional GMIB and Benefit Protector 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 optional GMIB and Benefit Protector Plus 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 MFS(R) Total Return Series - Service Class contract with no additional riders 102.72 140.05 179.99 257.26 22.72 70.05 119.99 257.26 optional Benefit Protector 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 optional Benefit Protector Plus 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 optional GMIB 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 optional GMIB and Benefit Protector 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 optional GMIB and Benefit Protector Plus 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 Putnam VT Growth and Income Fund - Class IB Shares contract with no additional riders 99.14 129.20 161.78 220.26 19.14 59.20 101.78 220.26 optional Benefit Protector 101.70 136.96 174.81 246.82 21.70 66.96 114.81 246.82 optional Benefit Protector Plus 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 optional GMIB 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 optional GMIB and Benefit Protector 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 optional GMIB and Benefit Protector Plus 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 Putnam VT International New Opportunities Fund - Class IB Shares contract with no additional riders 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 optional Benefit Protector 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 optional Benefit Protector Plus 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 optional GMIB 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 optional GMIB and Benefit Protector 112.05 167.89 226.12 347.68 32.05 97.89 166.12 347.68 optional GMIB and Benefit Protector Plus 113.59 172.43 233.55 361.81 33.59 102.43 173.55 361.81

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Putnam VT Vista Fund - Class IB Shares contract with no additional riders $100.88 $134.48 $170.66 $238.39 $20.88 $64.48 $110.66 $238.39 optional Benefit Protector 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 optional Benefit Protector Plus 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 optional GMIB 103.95 143.75 186.17 269.66 23.95 73.75 126.17 269.66 optional GMIB and Benefit Protector 106.52 151.43 198.96 295.02 26.52 81.43 138.96 295.02 optional GMIB and Benefit Protector Plus 108.05 156.02 206.56 309.93 28.05 86.02 146.56 309.93

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - Cash Management Fund contract with no additional riders $ 97.39 $123.90 $152.83 $201.82 $17.39 $53.90 $ 92.83 $201.82 optional Benefit Protector 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 optional Benefit Protector Plus 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 AXP(R) Variable Portfolio - Federal Income Fund contract with no additional riders 99.34 129.82 162.82 222.40 19.34 59.82 102.82 222.40 optional Benefit Protector 101.90 137.58 175.85 248.92 21.90 67.58 115.85 248.92 optional Benefit Protector Plus 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 AXP(R) Variable Portfolio - Managed Fund contract with no additional riders 98.11 126.09 156.52 209.45 18.11 56.09 96.52 209.45 optional Benefit Protector 100.67 133.86 169.61 236.27 20.67 63.86 109.61 236.27 optional Benefit Protector Plus 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 AXP(R)Variable Portfolio - New Dimensions Fund(R) contract with no additional riders 98.42 127.02 158.10 212.70 18.42 57.02 98.10 212.70 optional Benefit Protector 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector Plus 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 AXP(R) Variable Portfolio - S&P 500 Index Fund contract with no additional riders 95.34 117.65 142.23 179.72 15.34 47.65 82.23 179.72 optional Benefit Protector 97.91 125.46 155.47 207.27 17.91 55.46 95.47 207.27 optional Benefit Protector Plus 99.44 130.13 163.35 223.48 19.44 60.13 103.35 223.48 AXP(R) Variable Portfolio - Small Cap Advantage Fund contract with no additional riders 102.62 139.74 179.47 256.22 22.62 69.74 119.47 256.22 optional Benefit Protector 105.18 147.44 192.33 281.91 25.18 77.44 132.33 281.91 optional Benefit Protector Plus 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 AIM V.I. Capital Appreciation Fund contract with no additional riders 98.83 128.27 160.20 217.20 18.83 58.27 100.20 217.02 optional Benefit Protector 101.39 136.03 173.26 243.67 21.39 66.03 113.26 243.67 optional Benefit Protector Plus 102.93 140.67 181.02 259.34 22.93 70.67 121.02 259.34 AIM V.I. Dent Demographic Trends Fund contract with no additional riders 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 optional Benefit Protector 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 optional Benefit Protector Plus 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 AIM V.I. Value Fund contract with no additional riders 99.03 128.89 161.25 219.18 19.03 58.89 101.25 219.18 optional Benefit Protector 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 optional Benefit Protector Plus 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 Alliance VP Growth & Income Portfolio (Class B) contract with no additional riders 100.16 132.31 167.01 230.96 20.16 62.31 107.01 230.96 optional Benefit Protector 102.72 140.05 179.99 257.26 22.72 70.05 119.99 257.26 optional Benefit Protector Plus 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 Alliance VP Premier Growth Portfolio (Class B) contract with no additional riders 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 optional Benefit Protector 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 optional Benefit Protector Plus 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Alliance VP Technology Portfolio (Class B) contract with no additional riders $103.85 $143.44 $185.66 $268.63 $23.85 $73.44 $125.66 $268.63 optional Benefit Protector 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 optional Benefit Protector Plus 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 Evergreen VA Global Leaders Fund contract with no additional riders 100.78 134.17 170.14 237.33 20.78 64.17 110.14 237.33 optional Benefit Protector 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector Plus 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 Evergreen VA Growth and Income Fund contract with no additional riders 100.78 134.17 170.14 237.33 20.78 64.17 110.14 237.33 optional Benefit Protector 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector Plus 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 Evergreen VA Masters Fund contract with no additional riders 100.78 134.17 170.14 237.33 20.78 64.17 110.14 237.33 optional Benefit Protector 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector Plus 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 Evergreen VA Omega Fund contract with no additional riders 97.39 123.90 152.83 201.82 17.39 53.90 92.83 201.82 optional Benefit Protector 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 optional Benefit Protector Plus 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 Evergreen VA Small Cap Value Fund contract with no additional riders 100.88 134.48 170.66 238.39 20.88 64.48 110.66 238.39 optional Benefit Protector 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 optional Benefit Protector Plus 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 Evergreen VA Strategic Income Fund contract with no additional riders 99.03 128.89 161.25 219.18 19.03 58.89 101.25 219.18 optional Benefit Protector 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 optional Benefit Protector Plus 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 Fidelity VIP III Mid Cap Portfolio (Service Class) contract with no additional riders 99.03 128.89 161.25 219.18 19.03 58.89 101.25 219.18 optional Benefit Protector 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 optional Benefit Protector Plus 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 Fidelity VIP Contrafund(R)Portfolio (Service Class) contract with no additional riders 98.21 126.40 157.05 210.53 18.21 56.40 97.05 210.53 optional Benefit Protector 100.78 134.17 170.14 237.33 20.78 64.17 110.14 237.33 optional Benefit Protector Plus 102.31 138.81 177.92 253.10 22.31 68.81 117.92 253.10 Fidelity VIP High Income Portfolio (Service Class) contract with no additional riders 98.42 127.02 158.10 212.70 18.42 57.02 98.10 212.70 optional Benefit Protector 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 optional Benefit Protector Plus 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 FTVIPT Franklin Small Cap Fund - Class 2 contract with no additional riders 100.88 134.48 170.66 238.39 20.88 64.48 110.66 238.39 optional Benefit Protector 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 optional Benefit Protector Plus 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years FTVIPT Mutual Shares Securities Fund - Class 2 contract with no additional riders $101.19 $135.41 $172.22 $241.56 $21.19 $ 65.41 $112.22 $241.56 optional Benefit Protector 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 optional Benefit Protector Plus 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 FTVIPT Templeton Developing Markets Securities Fund - Class 2 contract with no additional riders 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 optional Benefit Protector 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 optional Benefit Protector Plus 113.08 170.92 231.08 357.13 33.08 100.92 171.08 357.13 FTVIPT Templeton International Securities Fund - Class 2 contract with no additional riders 101.90 137.58 175.85 248.92 21.90 67.58 115.85 248.92 optional Benefit Protector 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 optional Benefit Protector Plus 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 MFS(R)Investors Growth Stock Series - Service Class (previously named MFS(R)Growth Series) contract with no additional riders 101.80 137.27 175.33 247.87 21.80 67.27 115.33 247.87 optional Benefit Protector 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 optional Benefit Protector Plus 105.90 149.59 195.90 288.90 25.90 79.59 135.90 288.99 MFS(R) New Discovery Series - Service Class contract with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 MFS(R) Total Return Series - Service Class contract with no additional riders 101.70 136.96 174.81 246.82 21.70 66.96 114.81 246.82 optional Benefit Protector 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 optional Benefit Protector Plus 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 Putnam VT Growth and Income Fund - Class IB Shares contract with no additional riders 98.11 126.09 156.52 209.45 18.11 56.09 96.52 209.45 optional Benefit Protector 100.67 133.86 169.61 236.27 20.67 63.86 109.61 236.27 optional Benefit Protector Plus 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 Putnam VT International New Opportunities Fund - Class IB Shares contract with no additional riders 105.39 148.06 193.35 283.94 25.39 78.06 133.35 283.94 optional Benefit Protector 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 optional Benefit Protector Plus 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 Putnam VT Vista Fund - Class IB Shares contract with no additional riders 99.85 131.38 165.44 227.76 19.85 61.38 105.44 227.76 optional Benefit Protector 102.42 139.12 178.44 254.14 22.42 69.12 118.44 254.14 optional Benefit Protector Plus 103.95 143.75 186.17 269.66 23.95 73.75 126.17 269.66 * In these examples, the $40 contract administrative charge is approximated as a 0.017% charge based on our estimated average contract size. Premium taxes imposed by some state and local governments are not reflected in these tables. We entered into certain arrangements under which we are compensated by the funds' advisors and/or distributors for the administrative services we provide to the funds.

Year ended Dec. 31, 2000 1999 Subaccount UCMG1(1) (Investing in shares of AXP(R)Variable Portfolio - Cash Management Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.03 -- Number of accumulation units outstanding at end of period (000 omitted) 53 -- Ratio of operating expense to average net assets 1.00% -- Simple yield(2) 4.94% -- Compound yield(2) 5.07% -- Subaccount UCMG4(1) (Investing in shares of AXP(R)Variable Portfolio - Cash Management Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.03 -- Number of accumulation units outstanding at end of period (000 omitted) 618 -- Ratio of operating expense to average net assets 1.35% -- Simple yield(2) 4.58% -- Compound yield(2) 4.69% -- Subaccount UFIF1(1),(3) (Investing in shares of AXP(R)Variable Portfolio - Federal Income Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.06 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.00% -- Subaccount UFIF4(1) (Investing in shares of AXP(R)Variable Portfolio - Federal Income Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.06 -- Number of accumulation units outstanding at end of period (000 omitted) 34 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UMGD1(1),(3) (Investing in shares of AXP(R)Variable Portfolio - Managed Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.98 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.00% -- Subaccount UMGD4(1) (Investing in shares of AXP(R)Variable Portfolio - Managed Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.98 -- Number of accumulation units outstanding at end of period (000 omitted) 3 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UNDM1(1),(3) (Investing in shares of AXP(R)Variable Portfolio - New Dimensions Fund(R)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.00% -- Subaccount UNDM4(1) (Investing in shares of AXP(R)Variable Portfolio - New Dimensions Fund(R)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) 32 -- Ratio of operating expense to average net assets 1.35% -- Subaccount USPF1(1) (Investing in shares of AXP(R) Variable Portfolio - S&P 500 Index Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) 7 -- Ratio of operating expense to average net assets 1.00% --

Year ended Dec. 31, 2000 1999 Subaccount USPF4(1) (Investing in shares of AXP(R) Variable Portfolio - S&P 500 Index Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) 110 -- Ratio of operating expense to average net assets 1.35% -- Subaccount USCA1(1) (Investing in shares of AXP(R)Variable Portfolio - Small Cap Advantage Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) 2 -- Ratio of operating expense to average net assets 1.00% -- Subaccount USCA4(1) (Investing in shares of AXP(R)Variable Portfolio - Small Cap Advantage Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.35% -- Subaccount UCAP1(1) (Investing in shares of AIM V.I. Capital Appreciation Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.91 -- Number of accumulation units outstanding at end of period (000 omitted) 12 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UCAP4(1) (Investing in shares of AIM V.I. Capital Appreciation Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.90 -- Number of accumulation units outstanding at end of period (000 omitted) 311 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UDDT1(1) (Investing in shares of AIM V.I. Dent Demographic Trends Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.87 -- Number of accumulation units outstanding at end of period (000 omitted) 12 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UDDT4(1) (Investing in shares of AIM V.I. Dent Demographic Trends Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.86 -- Number of accumulation units outstanding at end of period (000 omitted) 145 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UVAL1(1) (Investing in shares of AIM V.I. Value Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.89 -- Number of accumulation units outstanding at end of period (000 omitted) 56 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UVAL4(1) (Investing in shares of AIM V.I. Value Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.89 -- Number of accumulation units outstanding at end of period (000 omitted) 623 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UGIP1(1) (Investing in shares of Alliance VP Growth & Income Portfolio (Class B)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.97 -- Number of accumulation units outstanding at end of period (000 omitted) 31 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UGIP4(1) (Investing in shares of Alliance VP Growth & Income Portfolio (Class B)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.97 -- Number of accumulation units outstanding at end of period (000 omitted) 292 -- Ratio of operating expense to average net assets 1.35% --

Year ended Dec. 31, 2000 1999 Subaccount UPRG1(1) (Investing in shares of Alliance VP Premier Growth Portfolio (Class B)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.80 -- Number of accumulation units outstanding at end of period (000 omitted) 47 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UPRG4(1) (Investing in shares of Alliance VP Premier Growth Portfolio (Class B)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.80 -- Number of accumulation units outstanding at end of period (000 omitted) 700 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UTEC1(1) (Investing in shares of Alliance VP Technology Portfolio (Class B)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.69 -- Number of accumulation units outstanding at end of period (000 omitted) 44 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UTEC4(1) (Investing in shares of Alliance VP Technology Portfolio (Class B)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.69 -- Number of accumulation units outstanding at end of period (000 omitted) 456 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UEGL1(1) (Investing in shares of Evergreen VA Global Leaders Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.98 -- Number of accumulation units outstanding at end of period (000 omitted) 8 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UEGL4(1) (Investing in shares of Evergreen VA Global Leaders Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.97 -- Number of accumulation units outstanding at end of period (000 omitted) 4 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UEGI1(1) (Investing in shares of Evergreen VA Growth and Income Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) 25 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UEGI4(1) (Investing in shares of Evergreen VA Growth and Income Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) 6 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UEMS1(1) (Investing in shares of Evergreen VA Masters Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.98 -- Number of accumulation units outstanding at end of period (000 omitted) 30 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UEMS4(1) (Investing in shares of Evergreen VA Masters Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.98 -- Number of accumulation units outstanding at end of period (000 omitted) 61 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UEOM1(1) (Investing in shares of Evergreen VA Omega Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.82 -- Number of accumulation units outstanding at end of period (000 omitted) 97 -- Ratio of operating expense to average net assets 1.00% --

Year ended Dec. 31, 2000 1999 Subaccount UEOM4(1) (Investing in shares of Evergreen VA Omega Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.82 -- Number of accumulation units outstanding at end of period (000 omitted) 703 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UESC1(1) (Investing in shares of Evergreen VA Small Cap Value Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.17 -- Number of accumulation units outstanding at end of period (000 omitted) 10 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UESC4(1) (Investing in shares of Evergreen VA Small Cap Value Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.17 -- Number of accumulation units outstanding at end of period (000 omitted) 7 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UESI1(1),(3) (Investing in shares of Evergreen VA Strategic Income Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.00% -- Subaccount UESI4(1) (Investing in shares of Evergreen VA Strategic Income Fund) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.35% -- Subaccount UMDC1(1) (Investing in shares of Fidelity VIP III Mid Cap Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.21 -- Number of accumulation units outstanding at end of period (000 omitted) 23 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UMDC4(1) (Investing in shares of Fidelity VIP III Mid Cap Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.21 -- Number of accumulation units outstanding at end of period (000 omitted) 222 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UCOF1(1) (Investing in shares of Fidelity VIP Contrafund(R)Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.97 -- Number of accumulation units outstanding at end of period (000 omitted) 4 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UCOF4(1) (Investing in shares of Fidelity VIP Contrafund(R)Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.97 -- Number of accumulation units outstanding at end of period (000 omitted) 191 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UHIP1(1) (Investing in shares of Fidelity VIP High Income Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.83 -- Number of accumulation units outstanding at end of period (000 omitted) 4 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UHIP4(1) (Investing in shares of Fidelity VIP High Income Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.82 -- Number of accumulation units outstanding at end of period (000 omitted) 50 -- Ratio of operating expense to average net assets 1.35% --

Year ended Dec. 31, 2000 1999 Subaccount USMC1(1) (Investing in shares of FTVIPT Franklin Small Cap Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.90 -- Number of accumulation units outstanding at end of period (000 omitted) 52 -- Ratio of operating expense to average net assets 1.00% -- Subaccount USMC4(1) (Investing in shares of FTVIPT Franklin Small Cap Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.90 -- Number of accumulation units outstanding at end of period (000 omitted) 349 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UMSS1(1) (Investing in shares of FTVIPT Mutual Shares Securities Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.09 -- Number of accumulation units outstanding at end of period (000 omitted) 21 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UMSS4(1) (Investing in shares of FTVIPT Mutual Shares Securities Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.09 -- Number of accumulation units outstanding at end of period (000 omitted) 15 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UDMS1(1),(3) (Investing in shares of FTVIPT Templeton Developing Markets Securities Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.87 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.00% -- Subaccount UDMS4(1) (Investing in shares of FTVIPT Templeton Developing Markets Securities Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.87 -- Number of accumulation units outstanding at end of period (000 omitted) 7 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UINT1(1) (Investing in shares of FTVIPT Templeton International Securities Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.02 -- Number of accumulation units outstanding at end of period (000 omitted) 22 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UINT4(1) (Investing in shares of FTVIPT Templeton International Securities Fund - Class 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.02 -- Number of accumulation units outstanding at end of period (000 omitted) 53 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UGRS1(1) (Investing in shares of MFS(R)Investors Growth Stock Series - Service Class(4)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.95 -- Number of accumulation units outstanding at end of period (000 omitted) 3 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UGRS4(1) (Investing in shares of MFS(R)Investors Growth Stock Series - Service Class(4)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.95 -- Number of accumulation units outstanding at end of period (000 omitted) 187 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UNDS1(1) (Investing in shares of MFS(R)New Discovery Series - Service Class) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.01 -- Number of accumulation units outstanding at end of period (000 omitted) 27 -- Ratio of operating expense to average net assets 1.00% --

Year ended Dec. 31, 2000 1999 Subaccount UNDS4(1) (Investing in shares of MFS(R)New Discovery Series - Service Class) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.01 -- Number of accumulation units outstanding at end of period (000 omitted) 76 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UTRS1(1) (Investing in shares of MFS(R)Total Return Series - Service Class) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.12 -- Number of accumulation units outstanding at end of period (000 omitted) 45 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UTRS4(1) (Investing in shares of MFS(R)Total Return Series - Service Class) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.11 -- Number of accumulation units outstanding at end of period (000 omitted) 141 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UGIN1(1),(3) (Investing in shares of Putnam VT Growth and Income Fund - Class IB Shares) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.07 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.00% -- Subaccount UGIN4(1) (Investing in shares of Putnam VT Growth and Income Fund - Class IB Shares) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.07 -- Number of accumulation units outstanding at end of period (000 omitted) 17 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UINO1(1) (Investing in shares of Putnam VT International New Opportunities Fund - Class IB Shares) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.76 -- Number of accumulation units outstanding at end of period (000 omitted) 63 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UINO4(1) (Investing in shares of Putnam VT International New Opportunities Fund - Class IB Shares) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.76 -- Number of accumulation units outstanding at end of period (000 omitted) 155 -- Ratio of operating expense to average net assets 1.35% -- Subaccount UVIS1(1) (Investing in shares of Putnam VT Vista Fund - Class IB Shares) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) 35 -- Ratio of operating expense to average net assets 1.00% -- Subaccount UVIS4(1) (Investing in shares of Putnam VT Vista Fund - Class IB Shares) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) 487 -- Ratio of operating expense to average net assets 1.35% -- (1) Operations commenced on May 30, 2000. (2) Net of annual contract administrative charge and mortality and expense risk fee. (3) The subaccount had no contract activity as of Dec. 31, 2000. (4) Previously named MFS(R)Growth Series.

--------------- ---------------- ---------------------------------------- ---------------------------------- Subaccount Investing In Investment Objectives and Policies Investment Advisor or Manager --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UCMG1 UCMG2 AXP(R)Variable Objective: maximum current income IDS Life Insurance Company (IDS UCMG4 PCMG1 Portfolio - consistent with liquidity and Life), investment manager; Cash stability of principal. Invests in American Express Financial Management Fund money market securities. Corporation (AEFC), investment advisor. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UFIF1 UFIF2 AXP(R)Variable Objective: a high level of current IDS Life, investment manager; UFIF3 UFIF4 Portfolio - income and safety of principal AEFC, investment advisor. Federal Income consistent with an investment in U.S. Fund government and government agency securities. Invests primarily in debt obligations issued or guaranteed as to principal and interest by the U.S. government, its agencies or instrumentalities. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UMGD1 UMGD2 AXP(R)Variable Objective: maximum total investment IDS Life, investment manager; UMGD4 PMGD1 Portfolio - return through a combination of AEFC, investment advisor. Managed Fund capital growth and current income. Invests primarily in a combination of common and preferred stocks, convertible securities, bonds and other debt securities. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UNDM1 UNDM2 AXP(R)Variable Objective: long-term growth of IDS Life, investment manager; UNDM4 PNDM1 Portfolio - capital. Invests primarily in common AEFC, investment advisor. New Dimensions stocks of U.S. and foreign companies Fund(R) showing potential for significant growth. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- USPF1 USPF2 AXP(R)Variable Objective: long-term capital IDS Life, investment manager; USPF3 USPF4 Portfolio - appreciation. Invests primarily in AEFC, investment advisor. S&P 500 Index securities that are expected to Fund provide investment results that correspond to the performance of the S&P 500 Index. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- USCA1 USCA2 AXP(R)Variable Objective: long-term capital growth. IDS Life, investment manager; USCA4 PSCA1 Portfolio - Invests primarily in equity securities AEFC, investment advisor; Small Cap of small companies that are often Kenwood Capital Management LLC, Advantage Fund included in the S&P SmallCap 600 sub-investment advisor. Index or the Russell 2000 Index. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UCAP1 UCAP2 AIM V.I. Objective: growth of capital. Invests A I M Advisors, Inc. UCAP4 PCAP1 Capital mainly in common stocks of companies Appreciation likely to benefit from new or Fund innovative products, services or processes as well as those with above-average growth and excellent prospects for future growth. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UDDT1 UDDT2 AIM V.I. Dent Objective: long term growth of A I M Advisors, Inc. UDDT3 UDDT4 Demographic capital. Seeks to meet its objective Trends Fund by investing in securities of companies that are likely to benefit from changing demographic, economic, and lifestyle trends. --------------- ---------------- ---------------------------------------- ----------------------------------

--------------- ---------------- ---------------------------------------- ---------------------------------- Subaccount Investing In Investment Objectives and Policies Investment Advisor or Manager --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UVAL1 UVAL2 AIM V.I. Value Objective: long-term growth of capital A I M Advisors, Inc. UVAL4 PVAL1 Fund with income as a secondary objective. Invests primarily in equity securities judged to be undervalued relative to the investment advisor's appraisal of the current or projected earnings of the companies issuing the securities, or relative to current market values of assets owned by the companies issuing the securities, or relative to the equity market generally. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UGIP1 UGIP2 Alliance VP Objective: reasonable current income Alliance Capital Management, L.P. UGIP3 UGIP4 Growth & and reasonable appreciation. Invests Income primarily in dividend-paying common Portfolio stocks of good quality. (Class B) --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UPRG1 UPRG2 Alliance VP Objective: long-term growth of capital Alliance Capital Management, L.P. UPRG3 UPRG4 Premier Growth by pursuing aggressive investment Portfolio policies. Invests primarily in equity (Class B) securities of a limited number of large, carefully selected, high-quality U.S. companies that are judged likely to achieve superior earnings growth. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UTEC1 UTEC2 Alliance VP Objective: growth of capital. Current Alliance Capital Management, L.P. UTEC3 UTEC4 Technology income is only an incidental Portfolio consideration. Invests primarily in (Class B) securities of companies expected to benefit from technological advances and improvements. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UEGL1 UEGL2 Evergreen VA Objective: long-term capital growth. Evergreen Investment Management UEGL3 UEGL4 Global Leaders Invests primarily in a diversified Company, LLC Fund portfolio of equity securities of companies located in the world's major industrialized countries. The Fund will make investments in no less than three countries, which may include the U.S., but may invest more than 25% of its total assets in one country. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UEGI1 UEGI2 Evergreen VA Objective: capital growth in the value Evergreen Investment Management UEGI3 UEGI4 Growth and of its shares and current income. Company, LLC Income Fund Invests in primarily common stocks of mid-sized U.S. companies. The Fund's stock selection is based on a diversified style of equity management that allows it to invest in both value and growth oriented equity securities. --------------- ---------------- ---------------------------------------- ----------------------------------

--------------- ---------------- ---------------------------------------- ---------------------------------- Subaccount Investing In Investment Objectives and Policies Investment Advisor or Manager --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UEMS1 UEMS2 Evergreen VA Objective: long-term capital growth. Evergreen Investment Management, UEMS3 UEMS4 Masters Fund The portfolio's assets are invested on investment advisor; Evergreen an approximately equal basis among the Investment Management Company, following four styles, each LLC, MFS Institutional Advisors implemented by a different Inc., OppenheimerFunds, Inc. and sub-investment advisor: 1) equity Putnam Investment Management, securities of U.S. and foreign Inc. sub-investment advisors. companies that are temporarily undervalued; 2) equity securities expected to show growth above that of the overall economy and inflation; 3) blended growth and value-oriented strategy focusing on foreign and domestic large-cap equity securities; and 4) growth oriented strategy focusing on large-cap equity securities of U.S. and foreign issuers. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UEOM1 UEOM2 Evergreen VA Objective: long-term capital growth. Evergreen Investment Management UEOM3 UEOM4 Omega Fund Invests primarily in common stocks of Company, LLC U.S. companies across all market capitalizations. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UESC1 UESC2 Evergreen VA Objective: current income and capital Evergreen Investment Management UESC3 UESC4 Small Cap growth. Invests primarily in equity Company, LLC Value Fund securities of small U.S. companies (less than $1.5 billion in market capitalization). The Fund's equity securities will include common stocks and securities convertible into common stock. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UESI1 UESI2 Evergreen VA Objective: high current income from Evergreen Investment Management UESI3 UESI4 Strategic interest on debt securities with a Company, LLC Income Fund secondary objective of potential for growth of capital. Invests primarily in domestic high-yield, high-risk bonds and debt securities of foreign governments and corporations. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UMDC1 UMDC2 Fidelity VIP Objective: long-term growth of FMR investment manager; FMR U.K. UMDC4 PMDC1 III Mid Cap capital. Invests primarily in medium and FMR Far East, sub-investment Portfolio market capitalization common stocks. advisors. (Service Class) --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UCOF1 UCOF2 Fidelity VIP Objective: long-term capital FMR Investment manager; FMR U.K. UCOF3 UCOF4 Contrafund(R) appreciation. Invests primarily in and FMR Far East, sub-investment Portfolio common stocks of foreign and domestic advisors. (Service Class) companies whose value is not fully recognized by the public. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UHIP1 UHIP2 Fidelity VIP Objective: high level of current FMR Investment manager; FMR U.K. UHIP3 UHIP4 High Income income while also considering growth and FMR Far East, sub-investment Portfolio of capital. Invests primarily in advisors. (Service Class) foreign and domestic issued income-producing debt securities, preferred stocks and convertible securities, with an emphasis on lower-quality debt securities. Invests in companies in troubled or uncertain financial condition. --------------- ---------------- ---------------------------------------- ----------------------------------

--------------- ---------------- ---------------------------------------- ---------------------------------- Subaccount Investing In Investment Objectives and Policies Investment Advisor or Manager --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- USMC1 USMC2 FTVIPT Objective: long-term capital growth. Franklin Advisers, Inc. USMC4 PSMC1 Franklin Small Invests primarily in equity securities Cap Fund - of U.S. small capitalization (small Class 2 cap) companies with market cap values not exceeding (i) $1.5 billion, or (ii) the highest market cap value in the Russell 2000(R) Index, whichever is greater, at the time of purchase. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UMSS1 UMSS2 FTVIPT Mutual Objective: capital appreciation, with Franklin Mutual Advisers, LLC UMSS4 PMSS1 Shares income as a secondary goal. Invests Securities primarily in equity securities of Fund - Class 2 companies that the manager believes are available at market prices less than their value based on certain recognized or objective criteria (intrinsic value). --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UDMS1 UDMS2 FTVIPT Objective: long-term capital Templeton Asset Management Ltd. UDMS3 UDMS4 Templeton appreciation. Invests primarily in Developing emerging markets equity securities. Markets Securities Fund - Class 2 --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UINT1 UINT2 FTVIPT Objective: long-term capital growth. Templeton Investment Counsel, LLC UINT3 UINT4 Templeton Invests primarily in equity securities International of companies located outside the U.S., Securities including those in emerging markets. Fund - Class 2 --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UGRS1 UGRS2 MFS(R)Investors Objective: long-term growth of capital MFS Investment Management(R) UGRS3 UGRS4 Growth Stock and future income. Invests at least Series - 80% of its total assets in common Service Class stocks and related securities of (previously companies which MFS believes offer MFS(R) Growth better than average prospects for Series) long-term growth. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UNDS1 UNDS2 MFS(R)New Objective: capital appreciation. MFS Investment Management(R) UNDS4 PSND1 Discovery Invests primarily in equity securities Series - of emerging growth companies. Service Class --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UTRS1 UTRS2 MFS(R)Total Objective: above-average income MFS Investment Management(R) UTRS4 PSTR1 Return Series consistent with the prudent employment - Service Class of capital, with growth of capital and income as a secondary objective. Invests primarily in a combination of equity and fixed income securities. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UGIN1 UGIN2 Putnam VT Objective: capital growth and current Putnam Investment Management, LLC UGIN4 PGIN1 Growth and income. Invests mainly in common Income Fund - stocks of U.S. companies with a focus Class IB Shares on value stocks that offer the potential for capital growth, current income, or both. --------------- ---------------- ---------------------------------------- ---------------------------------- --------------- ---------------- ---------------------------------------- ---------------------------------- UINO1 UINO2 Putnam VT Objective: long-term capital Putnam Investment Management, LLC UINO3 UINO4 International appreciation by investing in common New stocks of companies outside the U.S. Opportunities that Putnam Investment Management, LLC Fund - Class (Putnam Management) believes are IB Shares fast-growing and whose earnings are likely to increase over time. --------------- ---------------- ---------------------------------------- ----------------------------------

How dollar-cost averaging works By investing an equal number Number of dollars each ... Amount Accumulation of units Month invested unit value purchased Jan $100 $20 5.00 you automatically buy Feb 100 18 5.56 more units when the Mar 100 17 5.88 per unit market price is low ... Apr 100 15 6.67 May 100 16 6.25 Jun 100 18 5.56 and fewer units Jul 100 17 5.88 when the per unit Aug 100 19 5.26 market price is high Sept 100 21 4.76 Oct 100 20 5.00

Percentage if you and the annuitant are Percentage if you or the annuitant are Contract year under age 70 on the rider effective date 70 or older on the rider effective date One and Two 0% 0% Three and Four 10% 3.75% Five or more 20% 7.5% Terminating the Benefit Protector Plus: o You may terminate the rider within 30 days of the first rider anniversary. o You may terminate the rider within 30 days of any rider anniversary beginning with the seventh rider anniversary. o The rider will terminate when you make a full withdrawal from the contract or when annuity payouts begin. Another way to describe the benefits payable under the Benefit Protector Plus rider is as follows: o the applicable death benefit PLUS If you and the annuitant are under If you or the annuitant are age 70 Contract year age 70 on the rider effective date, add... or older on the rider effective date, add... 1 Zero Zero 2 40% x earnings at death (see above) 15% x earnings at death 3 & 4 40% x (earnings at death + 25% of initial 15% x (earnings at death + 25% of initial purchase payment*) purchase payment*) 5+ 40% x (earnings at death + 50% of initial 15% x (earnings at death + 50% of initial purchase payment*) purchase payment*) * Initial purchase payments are payments made within 60 days of contract issue not previously withdrawn.

Minimum Guaranteed Monthly Income Contract Plan A - Plan B - Plan D - joint and anniversary GMIB life annuity-- life annuity with last survivor life at exercise benefit base no refund ten years certain annuity-- no refund 10 $152,000 (MAV) $ 791.92 $ 770.64 $630.80 15 215,000 (Contract Value = MAV) 1,281.40 1,221.20 991.15 The payouts above are shown at guaranteed annuity rates stated in Table B of the contract. Payouts under the standard provisions of this contract will be based on our annuity rates in effect at annuitization and are guaranteed to be greater than or equal to the guaranteed annuity rates stated in Table B of the contract. The fixed annuity payout available under the standard provisions of this contract would be at least as great as shown below: Contract Plan A - Plan B - Plan D - joint and anniversary life annuity-- life annuity with last survivor life at exercise Contract value no refund ten years certain annuity-- no refund 10 $126,000 $ 656.46 $ 638.82 $522.90 15 215,000 1,281.40 1,221.20 991.15 At the 15th contract anniversary you would not experience a benefit from the GMIB as the payout available to you is equal to or less than the payout available under the standard provisions of the contract. Remember that after the first year, lifetime income payouts under a variable annuity payout option will depend on the investment performance of the subaccounts you select. The payouts will be higher if investment performance is greater than a 5% annual return and lower if investment performance is less than a 5% annual return.

Three months ended Years ended Dec. 31 (thousands) March 31, 2001 March 31, 2000 2000 1999 1998 1997 1996 Net investment income $ 69,460 $ 77,586 $ 299,759 $ 322,746 $ 340,219 $ 332,268 $ 271,719 Net loss on investments (18,542) (2,425) 469 6,565 (4,788) (509) (5,258) Other 3,765 2,289 12,248 8,338 7,662 6,329 5,753 Total revenues $ 54,863 $ 77,450 $ 312,476 $ 337,649 $ 343,093 $ 338,088 $ 272,214 Income before income taxes $ (11,624) $ 9,978 $ 38,452 $ 50,662 $ 36,421 $ 44,958 $ 35,735 Net income $ (7,637) $ 6,332 $ 24,365 $ 33,987 $ 22,026 $ 28,313 $ 22,823 Total assets $4,617,668 $4,532,394 $4,652,221 $4,603,343 $4,885,621 $4,973,413 $4,425,837 MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS Three Months Ended March 31, 2001 Compared to Three Months Ended March 31, 2000: Net loss was $7.6 million in the first quarter of 2001, compared to net income of $6.3 million in the first quarter of 2000. Loss before income taxes totaled $11.6 million in the first quarter 2001, compared with income of $10.0 million in the first quarter of 2000. This decline primarily reflects a net pre-tax loss of $18.5 from the write-down and sale of certain high-yield securities. Total investment contract deposits received increased to $202 million in the first quarter of 2001, compared with $67 million in the first quarter of 2000. This increase is primarily due to an increase in variable annuity deposits received from sales. Total revenues decreased to $54.9 million in the first quarter of 2001, compared with $77.5 million in the first quarter of 2000. The decrease is primarily due to net realized losses on investments and decreases in net investment income. Net investment income, the largest component of revenues, decreased 10% from the same period of the prior year, reflecting a decrease in investments owned and lower investment yields. Policyholder and contractholder charges increased 13% to $1.7 million in the first quarter of 2001, compared with $1.5 million in the first quarter of 2000, reflecting an increase in annuity surrender charges. American Enterprise Life receives mortality and expense risk fees from the separate accounts. Mortality and expense risk fees increased 175% to $2.2 million in the first quarter of 2001, compared with $.8 million in the first quarter of 2000, reflecting an increase in separate account assets. Net realized loss on investments was $18.5 million in the first quarter of 2001, compared with a net loss of $2.4 million in the first quarter of 2000. The increase in net realized losses was primarily due to the loss on sale and writedowns of fixed maturity investments. Total benefits and expenses decreased 1% to $66.5 million in the first quarter of 2001, compared with $67.5 million in 2000. The largest component of expenses, interest credited on investment contracts, decreased $6.6 million to $42.5 million in the first quarter of 2001, compared to $49.1 in the first quarter of 2000, reflecting a decrease in fixed annuities in force and lower crediting rates. Amortization of deferred policy acquisition costs increased to $12.2 million, compared to $10.7 million in the first quarter of 2000. This increase was due primarily to increased aggregate amounts in force. Other operating expenses increased 55% to $11.9 million in the first quarter of 2001, compared to $7.7 million in the first quarter of 2000. This increase is mainly due to higher technology costs related to growth initiatives.

Name of individual or number in group Position held Cash compensation Five most highly compensated executive officers as a group: $ 8,138,209 Stephen W. Roszell President and Chief Executive Officer Richard W. Kling Chairman of the Board Lorraine R. Hart Vice President - Investments David M. Kuplic Assistant Vice President - Investments Stuart A. Sedlacek Executive Vice President All executive officers as a group (11) $11,289,475

Statements of stockholder's equity Accumulated Other Total Additional Comprehensive Stockholder's Capital Paid-In (Loss) Income, Retained Three years ended December 31, ($ thousands) Equity Stock Capital Net of Tax Earnings Balance, January 1, 1998 $ 469,344 $2,000 $282,872 $ 49,516 $134,956 Comprehensive income: Net income 22,026 -- -- -- 22,026 Unrealized holding losses arising during the year, net of taxes of $3,400 (6,314) -- -- (6,314) -- Reclassification adjustment for losses included in net income, net of tax of ($588) 1,093 -- -- 1,093 -- ----- ----- ----- ----- ----- Other comprehensive loss (5,221) -- -- (5,221) -- ------ ----- ----- ------ ----- Comprehensive income: 16,805 ------ Balance, December 31, 1998 486,149 2,000 282,872 44,295 156,982 Comprehensive loss: Net income 33,987 -- -- -- 33,987 Unrealized holding losses arising during the year, net of taxes of $59,231 (110,001) -- -- (110,001) -- Reclassification adjustment for gains included in net income, net of tax of $2,179 (4,047) -- -- (4,047) -- ------ ----- ----- ------ ----- Other comprehensive loss (114,048) -- -- (114,048) -- -------- ----- ----- -------- ----- Comprehensive loss (80,061) ------- Balance, December 31, 1999 406,088 2,000 282,872 (69,753) 190,969 Comprehensive income: Net income 24,365 -- -- -- 24,365 Unrealized holding gains arising during the year, net of taxes of $(4,812) 8,937 -- -- 8,937 -- Reclassification adjustment for gains included in net income, net of tax of $690 (1,281) -- -- (1,281) -- ------ ----- ----- ------ ----- Other comprehensive income 7,656 -- -- 7,656 -- ----- ----- ----- ----- ----- Comprehensive income 32,021 ------ Balance, December 31, 2000 $ 438,109 $2,000 $282,872 $ (62,097) $215,334 ========= ====== ======== =========== ======== See accompanying notes.

Statements of cash flows Years ended December 31, ($ thousands) 2000 1999 1998 Cash flows from operating activities: Net income $ 24,365 $ 33,987 $ 22,026 Adjustments to reconcile net income to net cash (used in) provided by operating activities: Change in accrued investment income 1,735 5,064 (2,152) Change in accounts receivable (551) (102) 349 Change in deferred policy acquisition costs, net (18,334) 16,191 28,022 Change in other assets (9,960) 34 74 Change in policy claims and other policyholders' funds (2,802) 4,708 (3,939) Deferred income tax provision (benefit) 7,029 711 (9,591) Change in other liabilities (11,110) (7,064) 7,595 Amortization of premium, net 2,682 2,315 122 Net realized (gain) loss on investments (469) (6,565) 4,788 Other, net (233) (1,562) 2,544 ---- ------ ----- Net cash (used in) provided by operating activities (7,648) 47,717 49,838 Cash flows from investing activities: Fixed maturities held to maturity: Maturities 65,716 65,705 73,601 Sales 5,128 8,466 31,117 Fixed maturities available for sale: Purchases (101,665) (593,888) (298,885) Maturities 171,297 248,317 335,357 Sales 176,296 469,126 48,492 Other investments: Purchases (1,388) (28,520) (161,252) Sales 65,978 57,548 78,681 Change in amounts due from brokers (1,316) -- -- Change in amounts due to brokers (828) (29,132) 19,412 ---- ------- ------ Net cash provided by investing activities 379,218 197,622 126,523 Cash flows from financing activities: Activity related to universal life type insurance and investment contracts: Considerations received 398,462 299,899 302,158 Surrenders and other benefits (926,220) (753,821) (707,052) Interest credited to account balances 191,040 208,583 228,533 ------- ------- ------- Net cash used in financing activities (336,718) (245,339) (176,361) -------- -------- -------- Net increase in cash and cash equivalents 34,852 -- -- Cash and cash equivalents at beginning of year -- -- -- ---- ---- ---- Cash and cash equivalents at end of year $ 34,852 $ -- $ -- ========= ========= ========= See accompanying notes.

Increases (decreases) to the federal income tax provision applicable to pretax income based on the statutory rate, for the years ended December 31, are attributable to: 2000 1999 1998 Provision Rate Provision Rate Provision Rate Federal income taxes based on the statutory rate $13,458 35.0% $17,731 35.0% $13,972 35.0% Increases (decreases) are attributable to : Tax-excluded interest (4) -- (14) -- (35) (0.1) State tax, net of federal benefit 578 1.5 281 0.5 493 1.2 Other, net 55 0.1 (1,323) (2.6) (35) -- -- --- ------ ---- --- --- Total income taxes $14,087 36.6% $16,675 32.9% $14,395 36.1% ======= ==== ======= ==== ======= ====

December 31, 2000 December 31, 1999 Carrying Fair Carrying Fair Financial Assets amount value amount value Investments: Fixed maturities (Note 2): Held to maturity $ 934,091 $ 927,031 $1,006,349 $ 984,103 Available for sale 2,068,487 2,068,487 2,304,487 2,304,487 Mortgage loans on real estate (Note 2) 724,009 740,992 785,253 770,095 Derivative financial instruments (Note 7) 8,526 (37,770) 11,470 24,962 Separate account assets (Note 1) 589,310 589,310 220,994 220,994 Cash and cash equivalents 34,852 34,852 -- -- Financial Liabilities Future policy benefits for fixed annuities $3,567,085 $3,480,270 $3,905,849 $3,778,945 Separate account liabilities 589,310 567,989 220,994 209,942 ------- ------- ------- -------

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - S&P 500 Index Fund ROP with no additional riders $ 99.44 $130.13 $163.35 $223.48 $19.44 $ 60.13 $103.35 $223.48 ROP with optional Benefit Protector 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 ROP with optional Benefit Protector Plus 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 MAV with no additional riders 100.47 133.24 168.57 234.15 20.47 63.24 108.57 234.15 MAV with optional Benefit Protector 103.03 140.98 181.54 260.38 23.03 70.98 121.54 260.38 MAV with optional Benefit Protector Plus 104.57 145.60 189.26 275.80 24.57 75.60 129.26 275.80 AXP(R) Variable Portfolio - Small Cap Advantage Fund ROP with no additional riders 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 ROP with optional Benefit Protector 109.28 159.69 212.61 321.71 29.28 89.69 152.61 321.74 ROP with optional Benefit Protector Plus 110.82 164.25 220.13 336.22 30.82 94.25 160.13 336.22 MAV with no additional riders 107.75 155.11 205.05 306.97 27.75 85.11 145.05 306.97 MAV with optional Benefit Protector 110.31 162.73 217.63 331.41 30.31 92.73 157.63 331.41 MAV with optional Benefit Protector Plus 111.85 167.29 225.12 345.78 31.85 97.29 165.12 345.78 AIM V.I. Capital Appreciation Fund ROP with no additional riders 102.93 140.67 181.02 259.34 22.93 70.67 121.02 259.34 ROP with optional Benefit Protector 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 ROP with optional Benefit Protector Plus 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 MAV with no additional riders 103.95 143.75 186.17 269.66 23.95 73.75 126.17 269.66 MAV with optional Benefit Protector 106.52 151.43 198.96 295.02 26.52 81.43 138.96 295.02 MAV with optional Benefit Protector Plus 108.05 156.02 206.56 309.93 28.05 86.02 146.56 309.93 AIM V.I. Dent Demographic Trends Fund ROP with no additional riders 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 ROP with optional Benefit Protector 112.46 169.10 228.10 351.47 32.46 99.10 168.10 351.47 ROP with optional Benefit Protector Plus 114.00 173.64 235.52 365.55 34.00 103.64 175.52 365.55 MAV with no additional riders 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18 MAV with optional Benefit Protector 113.49 172.13 233.06 360.88 33.49 102.13 173.06 360.88 MAV with optional Benefit Protector Plus 115.02 176.65 240.45 374.81 35.02 106.65 180.45 374.81 AIM V.I. Value Fund ROP with no additional riders 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 ROP with optional Benefit Protector 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 ROP with optional Benefit Protector Plus 107.23 153.58 202.51 302.01 27.23 83.58 142.51 302.01 MAV with no additional riders 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 MAV with optional Benefit Protector 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 MAV with optional Benefit Protector Plus 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 Alliance VP Growth & Income Portfolio (Class B) ROP with no additional riders 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 ROP with optional Benefit Protector 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 ROP with optional Benefit Protector Plus 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 MAV with no additional riders 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 MAV with optional Benefit Protector 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 MAV with optional Benefit Protector Plus 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 -------------------------------------------------------------------------------- 92 AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Alliance VP Premier Growth Portfolio (Class B) ROP with no additional riders $107.85 $155.41 $205.55 $307.96 $27.85 $85.41 $145.55 $307.96 ROP with optional Benefit Protector 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37 ROP with optional Benefit Protector Plus 111.95 167.59 225.62 346.73 31.95 97.59 165.62 346.73 MAV with no additional riders 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 MAV with optional Benefit Protector 111.44 166.07 223.13 341.97 31.44 96.07 163.13 341.97 MAV with optional Benefit Protector Plus 112.97 170.62 230.58 356.19 32.97 100.62 170.58 356.19 Alliance VP Technology Portfolio (Class B) ROP with no additional riders 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 ROP with optional Benefit Protector 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 ROP with optional Benefit Protector Plus 112.05 167.89 226.12 347.68 32.05 97.89 166.12 347.68 MAV with no additional riders 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 MAV with optional Benefit Protector 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 MAV with optional Benefit Protector Plus 113.08 170.92 231.08 357.13 33.08 100.92 171.08 357.13 Evergreen VA Global Leaders Fund ROP with no additional riders 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 ROP with optional Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 MAV with no additional riders 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MAV with optional Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 Evergreen VA Growth and Income Fund ROP with no additional riders 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 ROP with optional Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 MAV with no additional riders 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MAV with optional Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 Evergreen VA Masters Fund ROP with no additional riders 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 ROP with optional Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 MAV with no additional riders 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MAV with optional Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 Evergreen VA Omega Fund ROP with no additional riders 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 ROP with optional Benefit Protector 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 ROP with optional Benefit Protector Plus 105.59 148.67 194.37 285.96 25.59 78.67 134.37 285.96 MAV with no additional riders 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 MAV with optional Benefit Protector 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 MAV with optional Benefit Protector Plus 106.62 151.74 199.47 296.02 26.62 81.74 139.47 296.02 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 93

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Evergreen VA Small Cap Value Fund ROP with no additional riders $104.98 $146.83 $191.30 $279.88 $24.98 $76.83 $131.30 $279.88 ROP with optional Benefit Protector 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 ROP with optional Benefit Protector Plus 109.08 159.08 211.61 319.75 29.08 89.08 151.61 319.75 MAV with no additional riders 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 MAV with optional Benefit Protector 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 MAV with optional Benefit Protector Plus 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 Evergreen VA Strategic Income Fund ROP with no additional riders 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 ROP with optional Benefit Protector 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 ROP with optional Benefit Protector Plus 107.23 153.58 202.51 302.01 27.23 83.58 142.51 302.01 MAV with no additional riders 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 MAV with optional Benefit Protector 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 MAV with optional Benefit Protector Plus 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 Fidelity VIP III Mid Cap Portfolio (Service Class) ROP with no additional riders 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 ROP with optional Benefit Protector 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 ROP with optional Benefit Protector Plus 107.23 153.58 202.51 302.01 27.23 83.58 142.51 302.01 MAV with no additional riders 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 MAV with optional Benefit Protector 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 MAV with optional Benefit Protector Plus 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 Fidelity VIP Contrafund(R)Portfolio (Service Class) ROP with no additional riders 102.31 138.81 177.92 253.10 22.31 68.81 117.92 253.10 ROP with optional Benefit Protector 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector Plus 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 MAV with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 MAV with optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Fidelity VIP High Income Portfolio (Service Class) ROP with no additional riders 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 ROP with optional Benefit Protector 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 ROP with optional Benefit Protector Plus 106.62 151.74 199.47 296.02 26.62 81.74 139.47 296.02 MAV with no additional riders 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 MAV with optional Benefit Protector 106.11 150.21 196.92 291.00 26.11 80.21 136.92 291.00 MAV with optional Benefit Protector Plus 107.64 154.80 204.54 305.98 27.64 84.80 144.54 305.98 FTVIPT Franklin Small Cap Fund - Class 2 ROP with no additional riders 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 ROP with optional Benefit Protector 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 ROP with optional Benefit Protector Plus 109.08 159.08 211.61 319.75 29.08 89.08 151.61 319.75 MAV with no additional riders 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 MAV with optional Benefit Protector 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 MAV with optional Benefit Protector Plus 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 -------------------------------------------------------------------------------- 94 AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years FTVIPT Mutual Shares Securities Fund - Class 2 ROP with no additional riders $105.29 $147.75 $192.84 $282.92 $25.29 $ 77.75 $132.84 $282.92 ROP with optional Benefit Protector 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 ROP with optional Benefit Protector Plus 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 MAV with no additional riders 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 MAV with optional Benefit Protector 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 MAV with optional Benefit Protector Plus 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37 FTVIPT Templeton Developing Markets Securities Fund - Class 2 ROP with no additional riders 113.08 170.92 231.08 357.13 33.08 100.92 171.08 357.13 ROP with optional Benefit Protector 115.64 178.46 243.39 380.33 35.64 108.46 183.39 380.33 ROP with optional Benefit Protector Plus 117.18 182.97 250.71 393.97 37.18 112.97 190.71 393.97 MAV with no additional riders 114.10 173.94 236.02 366.48 34.10 103.94 176.02 366.48 MAV with optional Benefit Protector 116.66 181.47 248.28 389.45 36.66 111.47 188.28 389.45 MAV with optional Benefit Protector Plus 118.20 185.96 255.57 402.95 38.20 115.96 195.57 402.95 FTVIPT Templeton International Securities Fund - Class 2 ROP with no additional riders 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 ROP with optional Benefit Protector 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 ROP with optional Benefit Protector Plus 110.10 162.12 216.63 329.48 30.10 92.12 156.63 329.48 MAV with no additional riders 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 MAV with optional Benefit Protector 109.59 160.60 214.12 324.63 29.59 90.60 154.12 324.63 MAV with optional Benefit Protector Plus 111.13 165.16 221.63 339.10 31.13 95.16 161.63 339.10 MFS(R)Investors Growth Stock Series - Service Class (previously named MFS(R)Growth Series) ROP with no additional riders 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 ROP with optional Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 ROP with optional Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 MAV with no additional riders 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 MAV with optional Benefit Protector 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 MAV with optional Benefit Protector Plus 111.03 164.86 221.13 338.14 31.03 94.86 161.13 338.14 MFS(R) New Discovery Series - Service Class ROP with no additional riders 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 ROP with optional Benefit Protector 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 ROP with optional Benefit Protector Plus 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 MAV with no additional riders 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MAV with optional Benefit Protector 111.03 164.86 221.13 338.14 31.03 94.86 161.13 338.14 MAV with optional Benefit Protector Plus 112.56 169.41 228.60 352.42 32.56 99.41 168.60 352.42 MFS(R) Total Return Series - Service Class ROP with no additional riders 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 ROP with optional Benefit Protector 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 ROP with optional Benefit Protector Plus 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 MAV with no additional riders 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 MAV with optional Benefit Protector 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 MAV with optional Benefit Protector Plus 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 95

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AXP(R) Variable Portfolio - Cash Management Fund ROP with no additional riders $ 98.93 $128.58 $160.73 $218.10 $18.93 $58.58 $100.73 $218.10 ROP with optional Benefit Protector 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 ROP with optional Benefit Protector Plus 103.03 140.98 181.54 260.38 23.03 70.98 121.54 260.38 MAV with no additional riders 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 MAV with optional Benefit Protector 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 MAV with optional Benefit Protector Plus 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 AXP(R) Variable Portfolio - Federal Income Fund ROP with no additional riders 100.88 134.48 170.66 238.39 20.88 64.48 110.66 238.39 ROP with optional Benefit Protector 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 ROP with optional Benefit Protector Plus 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 MAV with no additional riders 101.90 137.58 175.85 248.92 21.90 67.58 115.85 248.92 MAV with optional Benefit Protector 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 MAV with optional Benefit Protector Plus 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 AXP(R) Variable Portfolio - Managed Fund ROP with no additional riders 99.65 130.75 164.39 225.62 19.65 60.75 104.39 225.62 ROP with optional Benefit Protector 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 ROP with optional Benefit Protector Plus 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 MAV with no additional riders 100.67 133.86 169.61 236.27 20.67 63.86 109.61 236.27 MAV with optional Benefit Protector 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 MAV with optional Benefit Protector Plus 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 AXP(R)Variable Portfolio - New Dimensions Fund(R) ROP with no additional riders 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 ROP with optional Benefit Protector 102.52 139.43 178.96 225.18 22.52 69.43 118.96 255.18 ROP with optional Benefit Protector Plus 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 MAV with no additional riders 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 MAV with optional Benefit Protector 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 MAV with optional Benefit Protector Plus 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 AXP(R) Variable Portfolio - S&P 500 Index Fund ROP with no additional riders 96.88 122.34 150.19 196.33 16.88 52.34 90.19 196.33 ROP with optional Benefit Protector 99.44 130.13 163.35 223.48 19.44 60.13 103.35 223.48 ROP with optional Benefit Protector Plus 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 MAV with no additional riders 97.91 125.46 155.47 207.27 17.91 55.46 95.47 207.27 MAV with optional Benefit Protector 100.47 133.24 168.57 234.15 20.47 63.24 108.57 234.15 MAV with optional Benefit Protector Plus 102.01 137.89 176.37 249.96 22.01 67.89 116.37 249.96 AXP(R) Variable Portfolio - Small Cap Advantage Fund ROP with no additional riders 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 ROP with optional Benefit Protector 106.72 152.05 199.98 297.02 26.72 82.05 139.98 297.02 ROP with optional Benefit Protector Plus 108.26 156.63 207.58 311.90 28.26 86.63 147.58 311.90 MAV with no additional riders 105.18 147.44 192.33 281.91 25.18 77.44 132.33 281.91 MAV with optional Benefit Protector 107.75 155.11 205.05 306.97 27.75 85.11 145.05 306.97 MAV with optional Benefit Protector Plus 109.28 159.69 212.61 321.71 29.28 89.69 152.61 321.71 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 97

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years AIM V.I. Capital Appreciation Fund ROP with no additional riders $100.37 $132.93 $168.05 $233.09 $20.37 $62.93 $108.05 $233.09 ROP with optional Benefit Protector 102.93 140.67 181.02 259.34 22.93 70.67 121.02 259.34 ROP with optional Benefit Protector Plus 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 MAV with no additional riders 101.39 136.03 173.26 243.67 21.39 66.03 113.26 243.67 MAV with optional Benefit Protector 103.95 143.75 186.17 269.66 23.95 73.75 126.17 269.66 MAV with optional Benefit Protector Plus 105.49 148.36 193.86 284.95 25.49 78.36 133.86 284.95 AIM V.I. Dent Demographic Trends Fund ROP with no additional riders 107.34 153.88 203.02 303.00 27.34 83.88 143.02 303.00 ROP with optional Benefit Protector 109.90 161.51 215.63 327.54 29.90 91.51 155.63 327.54 ROP with optional Benefit Protector Plus 111.44 166.07 223.13 341.97 31.44 96.07 163.13 341.97 MAV with no additional riders 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 MAV with optional Benefit Protector 110.92 164.55 220.63 337.18 30.92 94.55 160.63 337.18 MAV with optional Benefit Protector Plus 112.46 169.10 228.10 351.47 32.46 99.10 168.10 351.47 AIM V.I. Value Fund ROP with no additional riders 100.57 133.55 169.09 235.21 20.57 63.55 109.09 235.21 ROP with optional Benefit Protector 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 ROP with optional Benefit Protector Plus 104.67 145.91 189.77 276.82 24.67 75.91 129.77 276.82 MAV with no additional riders 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 MAV with optional Benefit Protector 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 MAV with optional Benefit Protector Plus 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 Alliance VP Growth & Income Portfolio (Class B) ROP with no additional riders 101.70 136.96 174.81 246.82 21.70 66.96 114.81 246.82 ROP with optional Benefit Protector 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 ROP with optional Benefit Protector Plus 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 MAV with no additional riders 102.72 140.05 179.99 257.26 22.72 70.05 119.99 257.26 MAV with optional Benefit Protector 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 MAV with optional Benefit Protector Plus 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 Alliance VP Premier Growth Portfolio (Class B) ROP with no additional riders 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 ROP with optional Benefit Protector 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 ROP with optional Benefit Protector Plus 109.39 159.99 213.12 322.68 29.39 89.99 153.12 322.68 MAV with no additional riders 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 MAV with optional Benefit Protector 108.87 158.47 210.60 317.80 28.87 88.47 150.60 317.80 MAV with optional Benefit Protector Plus 110.41 163.03 218.13 332.37 30.41 93.03 158.13 332.37 Alliance VP Technology Portfolio (Class B) ROP with no additional riders 105.39 148.06 193.35 283.94 25.39 78.06 133.35 283.94 ROP with optional Benefit Protector 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 ROP with optional Benefit Protector Plus 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 MAV with no additional riders 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 MAV with optional Benefit Protector 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 MAV with optional Benefit Protector Plus 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 -------------------------------------------------------------------------------- 98 AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Evergreen VA Global Leaders Fund ROP with no additional riders $102.31 $138.81 $177.92 $253.10 $22.31 $68.81 $117.92 $253.10 ROP with optional Benefit Protector 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector Plus 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 MAV with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 MAV with optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Evergreen VA Growth and Income Fund ROP with no additional riders 102.31 138.81 177.92 253.10 22.31 68.81 117.92 253.10 ROP with optional Benefit Protector 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector Plus 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 MAV with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 MAV with optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Evergreen VA Masters Fund ROP with no additional riders 102.31 138.81 177.92 253.10 22.31 68.81 117.92 253.10 ROP with optional Benefit Protector 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector Plus 106.41 151.13 198.45 294.02 26.41 81.13 138.45 294.02 MAV with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 MAV with optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 Evergreen VA Omega Fund ROP with no additional riders 98.93 128.58 160.73 218.10 18.93 58.58 100.73 218.10 ROP with optional Benefit Protector 101.49 136.34 173.78 244.72 21.49 66.34 113.78 244.72 ROP with optional Benefit Protector Plus 103.03 140.98 181.54 260.38 23.03 70.98 121.54 260.38 MAV with no additional riders 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 MAV with optional Benefit Protector 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 MAV with optional Benefit Protector Plus 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 Evergreen VA Small Cap Value Fund ROP with no additional riders 102.42 139.12 178.44 254.14 22.42 69.12 118.44 254.14 ROP with optional Benefit Protector 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 ROP with optional Benefit Protector Plus 106.52 151.43 198.96 295.02 26.52 81.43 138.96 295.02 MAV with no additional riders 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 MAV with optional Benefit Protector 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 MAV with optional Benefit Protector Plus 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 Evergreen VA Strategic Income Fund ROP with no additional riders 100.57 133.55 169.09 235.21 20.57 63.55 109.09 235.21 ROP with optional Benefit Protector 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 ROP with optional Benefit Protector Plus 104.67 145.91 189.77 276.82 24.67 75.91 129.77 276.82 MAV with no additional riders 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 MAV with optional Benefit Protector 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 MAV with optional Benefit Protector Plus 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 99

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years Fidelity VIP III Mid Cap Portfolio (Service Class) ROP with no additional riders $100.57 $133.55 $169.09 $235.21 $20.57 $ 63.55 $109.09 $235.21 ROP with optional Benefit Protector 103.13 141.28 182.06 261.41 23.13 71.28 122.06 261.41 ROP with optional Benefit Protector Plus 104.67 145.91 189.77 276.82 24.67 75.91 129.77 276.82 MAV with no additional riders 101.60 136.65 174.29 245.77 21.60 66.65 114.29 245.77 MAV with optional Benefit Protector 104.16 144.37 187.20 271.71 24.16 74.37 127.20 271.71 MAV with optional Benefit Protector Plus 105.70 148.98 194.88 286.97 25.70 78.98 134.88 286.97 Fidelity VIP Contrafund(R)Portfolio (Service Class) ROP with no additional riders 99.75 131.07 164.92 226.69 19.75 61.07 104.92 226.69 ROP with optional Benefit Protector 102.31 138.81 177.92 253.10 22.31 68.81 117.92 253.10 ROP with optional Benefit Protector Plus 103.85 143.44 185.66 268.63 23.85 73.44 125.66 268.63 MAV with no additional riders 100.78 134.17 170.14 237.33 20.78 64.17 110.14 237.33 MAV with optional Benefit Protector 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 MAV with optional Benefit Protector Plus 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 Fidelity VIP High Income Portfolio (Service Class) ROP with no additional riders 99.96 131.69 165.96 228.83 19.96 61.69 105.96 228.83 ROP with optional Benefit Protector 102.52 139.43 178.96 255.18 22.52 69.43 118.96 255.18 ROP with optional Benefit Protector Plus 104.06 144.06 186.69 270.69 24.06 74.06 126.69 270.69 MAV with no additional riders 100.98 134.79 171.18 239.45 20.98 64.79 111.18 239.45 MAV with optional Benefit Protector 103.54 142.52 184.12 265.54 23.54 72.52 124.12 265.54 MAV with optional Benefit Protector Plus 105.08 147.14 191.82 280.90 25.08 77.14 131.82 280.90 FTVIPT Franklin Small Cap Fund - Class 2 ROP with no additional riders 102.42 139.12 178.44 254.14 22.42 69.12 118.44 254.14 ROP with optional Benefit Protector 104.98 146.83 191.30 279.88 24.98 76.83 131.30 279.88 ROP with optional Benefit Protector Plus 106.52 151.43 198.96 295.02 26.52 81.43 138.96 295.02 MAV with no additional riders 103.44 142.21 183.60 264.51 23.44 72.21 123.60 264.51 MAV with optional Benefit Protector 106.00 149.90 196.41 290.00 26.00 79.90 136.41 290.00 MAV with optional Benefit Protector Plus 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 FTVIPT Mutual Shares Securities Fund - Class 2 ROP with no additional riders 102.72 140.05 179.99 257.26 22.72 70.05 119.99 257.26 ROP with optional Benefit Protector 105.29 147.75 192.84 282.92 25.29 77.75 132.84 282.92 ROP with optional Benefit Protector Plus 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 MAV with no additional riders 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 MAV with optional Benefit Protector 106.31 150.82 197.94 293.01 26.31 80.82 137.94 293.01 MAV with optional Benefit Protector Plus 107.85 155.41 205.55 307.96 27.85 85.41 145.55 307.96 FTVIPT Templeton Developing Markets Securities Fund - Class 2 ROP with no additional riders 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 ROP with optional Benefit Protector 113.08 170.92 231.08 357.13 33.08 100.92 171.08 357.13 ROP with optional Benefit Protector Plus 114.61 175.45 238.48 371.12 34.61 105.45 178.48 371.12 MAV with no additional riders 111.54 166.38 223.63 342.93 31.54 96.38 163.63 342.93 MAV with optional Benefit Protector 114.10 179.94 236.02 366.48 34.10 103.94 176.02 366.48 MAV with optional Benefit Protector Plus 115.64 178.46 243.39 380.33 35.64 108.46 183.39 380.33 -------------------------------------------------------------------------------- 100 AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS

no withdrawal or selection a total withdrawal at the of an annuity payout plan at the end of each time period end of each time period 1 year 3 years 5 years 10 years 1 year 3 years 5 years 10 years FTVIPT Templeton International Securities Fund - Class 2 ROP with no additional riders $103.44 $142.21 $183.60 $264.51 $23.44 $72.21 $123.60 $264.51 ROP with optional Benefit Protector 106.90 149.90 196.41 290.00 26.00 79.90 136.41 290.00 ROP with optional Benefit Protector Plus 107.54 154.49 204.03 304.99 27.54 84.49 144.03 304.99 MAV with no additional riders 104.47 145.29 188.74 274.78 24.47 75.29 128.74 274.78 MAV with optional Benefit Protector 107.03 152.96 201.50 300.01 27.03 82.96 141.50 300.01 MAV with optional Benefit Protector Plus 108.57 157.55 209.09 314.86 28.57 87.55 149.09 314.86 MFS(R)Investors Growth Stock Series - Service Class (previously named MFS(R)Growth Series) ROP with no additional riders 103.34 141.90 183.09 263.48 23.34 71.90 123.09 263.48 ROP with optional Benefit Protector 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 ROP with optional Benefit Protector Plus 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 MAV with no additional riders 104.36 144.98 188.23 273.76 24.36 74.98 128.23 273.76 MAV with optional Benefit Protector 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 MAV with optional Benefit Protector Plus 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MFS(R) New Discovery Series - Service Class ROP with no additional riders 104.88 146.52 190.79 278.86 24.88 76.52 130.79 278.86 ROP with optional Benefit Protector 107.44 154.19 203.53 303.99 27.44 84.19 143.53 303.99 ROP with optional Benefit Protector Plus 108.98 158.77 211.11 318.78 28.98 88.77 151.11 318.78 MAV with no additional riders 105.90 149.59 195.90 288.99 25.90 79.59 135.90 288.99 MAV with optional Benefit Protector 108.46 157.24 208.58 313.87 28.46 87.24 148.58 313.87 MAV with optional Benefit Protector Plus 110.00 161.82 216.13 328.51 30.00 91.82 156.13 328.51 MFS(R) Total Return Series - Service Class ROP with no additional riders 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 ROP with optional Benefit Protector 105.80 149.29 195.39 287.98 25.80 79.29 135.39 287.98 ROP with optional Benefit Protector Plus 107.34 153.88 203.02 303.00 27.34 83.88 143.02 303.00 MAV with no additional riders 104.26 144.67 187.72 272.74 24.26 74.67 127.72 272.74 MAV with optional Benefit Protector 106.82 152.35 200.48 298.02 26.82 82.35 140.48 298.02 MAV with optional Benefit Protector Plus 108.36 156.94 208.08 312.89 28.36 86.94 148.08 312.89 Putnam VT Growth and Income Fund - Class IB Shares ROP with no additional riders 99.65 130.75 164.39 225.62 19.65 60.75 104.39 225.62 ROP with optional Benefit Protector 102.21 138.50 177.40 252.05 22.21 68.50 117.40 252.05 ROP with optional Benefit Protector Plus 103.75 143.13 185.15 267.60 23.75 73.13 125.15 267.60 MAV with no additional riders 100.67 133.86 169.61 236.27 20.67 63.86 109.61 236.27 MAV with optional Benefit Protector 103.24 141.59 182.57 262.45 23.24 71.59 122.57 262.45 MAV with optional Benefit Protector Plus 104.77 146.21 190.28 277.84 24.77 76.21 130.28 277.84 Putnam VT International New Opportunities Fund - Class IB Shares ROP with no additional riders 106.93 152.66 200.99 299.02 26.93 82.66 140.99 299.02 ROP with optional Benefit Protector 109.49 160.29 213.62 323.65 29.49 90.29 153.62 323.65 ROP with optional Benefit Protector Plus 111.03 164.86 221.13 338.14 31.03 94.86 161.13 338.14 MAV with no additional riders 107.95 155.72 206.06 308.95 27.95 85.72 146.06 308.95 MAV with optional Benefit Protector 110.51 163.34 218.63 333.34 30.51 93.34 158.63 333.34 MAV with optional Benefit Protector Plus 112.05 167.89 226.12 347.68 32.05 97.89 166.12 347.68 -------------------------------------------------------------------------------- AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS 101

For the first partial withdrawal on Jan. 1, 2004: -------------------------------------------------- ----------------------------------------- RPA before the partial withdrawal = total RPA adjusted partial withdrawal = purchase payments made prior to the partial withdrawal minus the RPA adjusted partial $10,000 x $100,000 withdrawals for all previous partial ------------------ = $8,333 withdrawals = $100,000 - 0 = $100,000 $120,000 -------------------------------------------------- ----------------------------------------- For the second partial withdrawal on Jan. 1, 2009: -------------------------------------------------- ----------------------------------------- RPA before the partial withdrawal = total RPA adjusted partial withdrawal = purchase payments made prior to the partial withdrawal minus the RPA adjusted partial $10,000 x $191,667 withdrawals for all previous partial ------------------ = $8,156 withdrawals = $200,000 - $8,333 = $191,667 $235,000 -------------------------------------------------- ----------------------------------------- Step two: For each withdrawal made within the current calculation period) we calculate the EPA: For the first partial withdrawal on Jan. 1, 2004: ------------------------------------------------- ------------------------------------------ EPA before the partial withdrawal = EPA adjusted partial withdrawal = total purchase payments made prior to the partial withdrawal AND the five-year $10,000 x $100,000 $100,000 exclusion period minus the EPA adjusted ------------------ = -------- = $8,156 partial withdrawals for all previous partial $120,000 $100,000 withdrawals = $100,000 - 0 = $100,000 ------------------------------------------------- ------------------------------------------ For the second partial withdrawal on Jan. 1, 2009: ------------------------------------------------- ------------------------------------------ EPA before the partial withdrawal = EPA adjusted partial withdrawal = total purchase payments made prior to the partial withdrawal AND the five-year $10,000 x $91,667 $91,667 exclusion period minus the EPA adjusted ----------------- = -------- = $1,866 partial withdrawals for all previous partial $235,000 $191,667 withdrawals = $100,000 - $8,333 = $91,667 ------------------------------------------------- ------------------------------------------ Step three: The total PCRPW amount is the sum of each EPA adjusted partial withdrawal. PCRPW amount = $8,333 + $1,866 = $10,199 -------------------------------------------------------------------------------- 104 AMERICAN EXPRESS NEW SOLUTIONS VARIABLE ANNUITY -- PROSPECTUS

YEARS FROM PURCHASE WITHDRAWAL CHARGE PAYMENT RECEIPT PERCENTAGE 1 7% 2 7 3 6 4 6 5 5 6 4 7 2 Thereafter 0

MANAGEMENT 12b-1 OTHER FEES FEES EXPENSES TOTAL AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund .56% .13% .26% .95%(1) Bond Fund .60 .13 .06 .79(2) Capital Resource Fund .60 .13 .04 .77(2) Cash Management Fund .51 .13 .04 .68(2) Diversified Equity Income Fund .56 .13 .26 .95(1) Extra Income Fund .62 .13 .07 .82(2) Federal Income Fund .61 .13 .13 .87(1) Growth Fund .64 .13 .18 .95(1) Managed Fund .59 .13 .03 .75(2) New Dimensions Fund-Registered Trademark- .60 .13 .05 .78(2) Small Cap Advantage Fund .75 .13 .31 1.19(1) AIM V.I. Capital Appreciation Fund .61 -- .21 .82(3) Capital Development Fund .75 -- .63 1.38(3),(4) Value Fund .61 -- .23 .84(3) Alliance VP Premier Growth Portfolio (Class B) 1.00 .25 .05 1.30(5) Technology Portfolio (Class B) .99 .25 .07 1.31(5) U.S. Government/High Grade Securities Portfolio (Class B) .60 .25 .35 1.20(5) Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 1.00 .25 .25 1.50(6) Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) .90 -- .35 1.25(7) Fidelity VIP III Growth & Income Portfolio (Service Class) .48 .10 .11 .69(8) III Mid Cap Portfolio (Service Class) .57 .10 .17 .84(8) Overseas Portfolio (Service Class) .72 .10 .17 .99(8) Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 .58 .25 .02 .85(9),(10) Mutual Shares Securities Fund - Class 2 .60 .25 .20 1.05(10) Templeton International Smaller Companies Fund - Class 2 .85 .25 .26 1.36(10) Goldman Sachs VIT Capital Growth Fund .75 -- .25 1.00(11) CORE-SM- U.S. Equity Fund .70 -- .20 .90(11) Global Income Fund .90 -- .25 1.15(11) International Equity Fund 1.00 -- .35 1.35(11) Internet Tollkeeper Fund-SM- 1.00 -- .25 1.25(11) Janus Aspen Series Aggressive Growth Portfolio: Service Shares .65 .25 .02 .92(12) Global Technology Portfolio: Service Shares .65 .25 .04 .94(12) Growth Portfolio: Service Shares .65 .25 .02 .92(12) International Growth Portfolio: Service Shares .65 .25 .06 .96(12) J.P. Morgan U.S. Disciplined Equity Portfolio .35 -- .50 .85(3)

MANAGEMENT 12b-1 OTHER FEES FEES EXPENSES TOTAL Lazard Retirement Series Equity Portfolio .75% .25% .25% 1.25%(13) International Equity Portfolio .75 .25 .25 1.25(13) MFS-Registered Trademark- New Discovery Series - Initial Class .90 -- .16 1.06(14),(15) Research Series - Initial Class .75 -- .10 .85(14) Utilities Series - Initial Class .75 -- .16 .91(14) Putnam Variable Trust Putnam VT Growth and Income Fund - Class IB Shares .46 .25 .04 .75(16) Putnam VT International Growth Fund - Class IB Shares .76 .25 .18 1.19(16) Putnam VT International New Opportunities Fund - Class IB Shares 1.00 .25 .21 1.46(16) Royce Capital Fund Micro-Cap Portfolio 1.25 -- .10 1.35(17) Small-Cap Portfolio (previously Royce Premier Portfolio) 1.00 -- .35 1.35(17) Third Avenue Value Portfolio .90 -- .40 1.30(18) Wanger International Small Cap 1.20 -- .21 1.41(3),(19) U.S. Small Cap .95 -- .05 1.00(3),(19)

FULL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund $ 97.99 $145.84 $196.26 $309.34 Bond Fund 96.35 140.94 188.14 293.41 Capital Resource Fund 96.15 140.33 187.13 291.41 Cash Management Fund 95.23 137.57 182.53 282.32 Diversified Equity Income Fund 97.99 145.84 196.26 309.34 Extra Income Fund 96.66 141.86 189.67 296.42 Federal Income Fund 97.17 143.39 192.21 301.41 Growth Fund 97.99 145.84 196.26 309.34 Managed Fund 95.94 139.72 186.11 289.39 New Dimensions Fund-Registered Trademark- 96.25 140.64 187.64 292.41 Small Cap Advantage Fund 100.45 153.16 208.33 332.76 AIM V.I. Capital Appreciation Fund 96.66 141.86 189.67 296.42 Capital Development Fund 102.40 158.92 217.80 350.91 Value Fund 96.87 142.47 190.69 298.42 Alliance VP Premier Growth Portfolio (Class B) 101.58 156.50 213.83 343.31 Technology Portfolio (Class B) 101.68 156.80 214.32 344.26 U.S. Government/High Grade Securities Portfolio (Class B) 100.56 153.46 208.83 333.72 Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 103.63 162.55 223.75 362.19 Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) 101.07 154.98 211.33 338.53 Fidelity VIP III Growth & Income Portfolio (Service Class) 95.33 137.87 183.04 283.33 III Mid Cap Portfolio (Service Class) 96.87 142.47 190.69 298.42 Overseas Portfolio (Service Class) 98.40 147.06 198.28 313.28 Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 96.97 142.78 191.19 299.42 Mutual Shares Securities Fund - Class 2 99.02 148.89 201.31 319.17 Templeton International Smaller Companies Fund - Class 2 102.20 158.32 216.81 349.01 Goldman Sachs VIT Capital Growth Fund 98.51 147.37 198.79 314.27 CORE-SM- U.S. Equity Fund 97.48 144.31 193.73 304.39 Global Income Fund 100.04 151.94 206.33 328.90 International Equity Fund 102.09 158.01 216.31 348.06 Internet Tollkeeper Fund-SM- 101.07 154.98 211.33 338.53 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund $27.99 $ 85.84 $146.26 $309.34 Bond Fund 26.35 80.94 138.14 293.41 Capital Resource Fund 26.15 80.33 137.13 291.41 Cash Management Fund 25.23 77.57 132.53 282.32 Diversified Equity Income Fund 27.99 85.84 146.26 309.34 Extra Income Fund 26.66 81.86 139.67 296.42 Federal Income Fund 27.17 83.39 142.21 301.41 Growth Fund 27.99 85.84 146.26 309.34 Managed Fund 25.94 79.72 136.11 289.39 New Dimensions Fund-Registered Trademark- 26.25 80.64 137.64 292.41 Small Cap Advantage Fund 30.45 93.16 158.33 332.76 AIM V.I. Capital Appreciation Fund 26.66 81.86 139.67 296.42 Capital Development Fund 32.40 98.82 167.80 350.91 Value Fund 26.87 82.47 140.69 298.42 Alliance VP Premier Growth Portfolio (Class B) 31.58 96.50 163.83 343.31 Technology Portfolio (Class B) 31.68 96.80 164.32 344.26 U.S. Government/High Grade Securities Portfolio (Class B) 30.56 93.46 158.83 333.72 Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 33.63 102.55 173.75 362.19 Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) 31.07 94.98 161.33 338.53 Fidelity VIP III Growth & Income Portfolio (Service Class) 25.33 77.87 133.04 283.33 III Mid Cap Portfolio (Service Class) 26.87 82.47 140.69 298.42 Overseas Portfolio (Service Class) 28.40 87.06 148.28 313.28 Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 26.97 82.78 141.19 299.42 Mutual Shares Securities Fund - Class 2 29.02 88.89 151.31 319.17 Templeton International Smaller Companies Fund - Class 2 32.20 98.32 166.81 349.01 Goldman Sachs VIT Capital Growth Fund 28.51 87.37 148.79 314.27 CORE-SM- U.S. Equity Fund 27.48 84.31 143.73 304.39 Global Income Fund 30.04 91.94 156.33 328.90 International Equity Fund 32.09 98.01 166.31 348.06 Internet Tollkeeper Fund-SM- 31.07 94.98 161.33 338.53

FULL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Janus Aspen Series Aggressive Growth Portfolio: Service Shares $ 97.69 $144.92 $194.74 $306.37 Global Technology Portfolio: Service Shares 97.89 145.53 195.76 308.35 Growth Portfolio: Service Shares 97.69 144.92 194.74 306.37 International Growth Portfolio: Service Shares 98.10 146.15 196.77 310.33 J.P. Morgan U.S. Disciplined Equity Portfolio 96.97 142.78 191.19 299.42 Lazard Retirement Series Equity Portfolio 101.07 154.98 211.33 338.53 International Equity Portfolio 101.07 154.98 211.33 338.53 MFS-Registered Trademark- New Discovery Series - Initial Class 99.12 149.20 201.81 320.14 Research Series - Initial Class 96.97 142.78 191.19 299.42 Utilities Series - Initial Class 97.58 144.62 194.24 305.38 Putnam Variable Trust Putnam VT Growth and Income Fund - Class IB Shares 95.94 139.72 186.11 289.39 Putnam VT International Growth Fund - Class IB Shares 100.45 153.16 208.33 332.76 Putnam VT International New Opportunities Fund - Class IB Shares 103.22 161.34 221.77 358.44 Royce Capital Fund Micro-Cap Portfolio 102.09 158.01 216.31 348.06 Small-Cap Portfolio (previously Royce Premier Portfolio) 102.09 158.01 216.31 348.06 Third Avenue Value Portfolio 101.58 156.50 213.83 343.31 Wanger International Small Cap 102.71 159.83 219.29 353.74 U.S. Small Cap 98.51 147.37 198.79 314.27 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Janus Aspen Series Aggressive Growth Portfolio: Service Shares $ 27.69 $ 84.92 $144.74 $306.37 Global Technology Portfolio: Service Shares 27.89 85.53 145.76 308.35 Growth Portfolio: Service Shares 27.69 84.92 144.74 306.37 International Growth Portfolio: Service Shares 28.10 86.15 146.77 310.33 J.P. Morgan U.S. Disciplined Equity Portfolio 26.97 82.78 141.19 299.42 Lazard Retirement Series Equity Portfolio 31.07 94.98 161.33 338.53 International Equity Portfolio 31.07 94.98 161.33 338.53 MFS-Registered Trademark- New Discovery Series - Initial Class 29.12 89.20 151.81 320.14 Research Series - Initial Class 26.97 82.78 141.19 299.42 Utilities Series - Initial Class 27.58 84.62 144.24 305.38 Putnam Variable Trust Putnam VT Growth and Income Fund - Class IB Shares 25.94 79.72 136.11 289.39 Putnam VT International Growth Fund - Class IB Shares 30.45 93.16 158.33 332.76 Putnam VT International New Opportunities Fund - Class IB Shares 33.22 101.34 171.77 358.44 Royce Capital Fund Micro-Cap Portfolio 32.09 98.01 166.31 348.06 Small-Cap Portfolio (previously Royce Premier Portfolio) 32.09 98.01 166.31 348.06 Third Avenue Value Portfolio 31.58 96.50 163.83 343.31 Wanger International Small Cap 32.71 99.83 169.29 353.74 U.S. Small Cap 28.51 87.37 148.79 314.27

FULL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund $ 94.41 $135.11 $178.43 $274.17 Bond Fund 92.77 130.17 170.20 257.68 Capital Resource Fund 92.56 129.55 169.16 255.60 Cash Management Fund 91.64 126.77 164.50 246.19 Diversified Equity Income Fund 94.41 135.11 178.43 274.17 Extra Income Fund 93.07 131.10 171.75 260.79 Federal Income Fund 93.59 132.64 174.32 265.96 Growth Fund 94.41 135.11 178.43 274.17 Managed Fund 92.36 128.94 168.13 253.52 New Dimensions Fund-Registered Trademark- 92.66 129.86 169.68 256.64 Small Cap Advantage Fund 96.87 142.47 190.69 298.42 AIM V.I. Capital Appreciation Fund 93.07 131.10 171.75 260.79 Capital Development Fund 98.81 148.28 200.30 317.21 Value Fund 93.28 131.72 172.78 262.86 Alliance VP Premier Growth Portfolio (Class B) 97.99 145.84 196.26 309.34 Technology Portfolio (Class B) 98.10 146.15 196.77 310.33 U.S. Government/High Grade Securities Portfolio (Class B) 96.97 142.78 191.19 299.42 Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 100.04 151.94 206.33 328.90 Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) 97.48 144.31 193.73 304.39 Fidelity VIP III Growth & Income Portfolio (Service Class) 91.74 127.08 165.02 247.24 III Mid Cap Portfolio (Service Class) 93.28 131.72 172.78 262.86 Overseas Portfolio (Service Class) 94.82 136.34 180.49 278.25 Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 93.38 132.02 173.29 263.89 Mutual Shares Securities Fund - Class 2 95.43 138.18 183.55 284.34 Templeton International Smaller Companies Fund - Class 2 98.61 147.67 199.29 315.25 Goldman Sachs VIT Capital Growth Fund 94.92 136.64 181.00 279.27 CORE-SM- U.S. Equity Fund 93.89 133.57 175.87 269.04 Global Income Fund 96.46 141.25 188.65 294.42 International Equity Fund 98.51 147.37 198.79 314.27 Internet Tollkeeper Fund-SM- 97.48 144.31 193.73 304.39 Janus Aspen Series Aggressive Growth Portfolio: Service Shares 94.10 134.18 176.89 271.10 Global Technology Portfolio: Service Shares 94.30 134.80 177.92 273.15 Growth Portfolio: Service Shares 94.10 134.18 176.89 271.10 International Growth Portfolio: Service Shares 94.51 135.41 178.95 275.19 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund $ 24.41 $75.11 $128.43 $274.17 Bond Fund 22.77 70.17 120.20 257.68 Capital Resource Fund 22.56 69.55 119.16 255.60 Cash Management Fund 21.64 66.77 114.50 246.19 Diversified Equity Income Fund 24.41 75.11 128.43 274.17 Extra Income Fund 23.07 71.10 121.75 260.79 Federal Income Fund 23.59 72.64 124.32 265.96 Growth Fund 24.41 75.11 128.43 274.17 Managed Fund 22.36 68.94 118.13 253.52 New Dimensions Fund-Registered Trademark- 22.66 69.86 119.68 256.64 Small Cap Advantage Fund 26.87 82.47 140.69 298.42 AIM V.I. Capital Appreciation Fund 23.07 71.10 121.75 260.79 Capital Development Fund 28.81 88.28 150.30 317.21 Value Fund 23.28 71.72 122.78 262.86 Alliance VP Premier Growth Portfolio (Class B) 27.99 85.84 146.26 309.34 Technology Portfolio (Class B) 28.10 86.15 146.77 310.33 U.S. Government/High Grade Securities Portfolio (Class B) 26.97 82.78 141.19 299.42 Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 30.04 91.94 156.33 328.90 Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) 27.48 84.31 143.73 304.39 Fidelity VIP III Growth & Income Portfolio (Service Class) 21.74 67.08 115.02 247.24 III Mid Cap Portfolio (Service Class) 23.28 71.72 122.78 262.86 Overseas Portfolio (Service Class) 24.82 76.34 130.49 278.25 Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 23.38 72.02 123.29 263.89 Mutual Shares Securities Fund - Class 2 25.43 78.18 133.55 284.34 Templeton International Smaller Companies Fund - Class 2 28.61 87.67 149.29 315.25 Goldman Sachs VIT Capital Growth Fund 24.92 76.64 131.00 279.27 CORE-SM- U.S. Equity Fund 23.89 73.57 125.87 269.04 Global Income Fund 26.46 81.25 138.65 294.42 International Equity Fund 28.51 87.37 148.79 314.27 Internet Tollkeeper Fund-SM- 27.48 84.31 143.73 304.39 Janus Aspen Series Aggressive Growth Portfolio: Service Shares 24.10 74.18 126.89 271.10 Global Technology Portfolio: Service Shares 24.30 74.80 127.92 273.15 Growth Portfolio: Service Shares 24.10 74.18 126.89 271.10 International Growth Portfolio: Service Shares 24.51 75.41 128.95 275.19

FULL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS J.P. Morgan U.S. Disciplined Equity Portfolio $93.38 $132.02 $173.29 $263.89 Lazard Retirement Series Equity Portfolio 97.48 144.31 193.73 304.39 International Equity Portfolio 97.48 144.31 193.73 304.39 MFS-Registered Trademark- New Discovery Series - Initial Class 95.53 138.49 184.07 285.35 Research Series - Initial Class 93.38 132.02 173.29 263.89 Utilities Series - Initial Class 94.00 133.87 176.38 270.07 Putnam Variable Trust Putnam VT Growth and Income Fund - Class IB Shares 92.36 128.94 168.13 253.52 Putnam VT International Growth Fund - Class IB Shares 96.87 142.47 190.69 298.42 Putnam VT International New Opportunities Fund - Class IB Shares 99.63 150.72 204.32 325.02 Royce Capital Fund Micro-Cap Portfolio 98.51 147.37 198.79 314.27 Small-Cap Portfolio (previously Royce Premier Portfolio) 98.51 147.37 198.79 314.27 Third Avenue Value Portfolio 97.99 145.84 196.26 309.34 Wanger International Small Cap 99.12 149.20 201.81 320.14 U.S. Small Cap 94.92 136.64 181.00 279.27 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS J.P. Morgan U.S. Disciplined Equity Portfolio $ 23.38 $72.02 $123.29 $263.89 Lazard Retirement Series Equity Portfolio 27.48 84.31 143.73 304.39 International Equity Portfolio 27.48 84.31 143.73 304.39 MFS-Registered Trademark- New Discovery Series - Initial Class 25.53 78.49 134.07 285.35 Research Series - Initial Class 23.38 72.02 123.29 263.89 Utilities Series - Initial Class 24.00 73.87 126.38 270.07 Putnam Variable Trust Putnam VT Growth and Income Fund - Class IB Shares 22.36 68.94 118.13 253.52 Putnam VT International Growth Fund - Class IB Shares 26.87 82.47 140.69 298.42 Putnam VT International New Opportunities Fund - Class IB Shares 29.63 90.72 154.32 325.02 Royce Capital Fund Micro-Cap Portfolio 28.51 87.37 148.79 314.27 Small-Cap Portfolio (previously Royce Premier Portfolio) 28.51 87.37 148.79 314.27 Third Avenue Value Portfolio 27.99 85.84 146.26 309.34 Wanger International Small Cap 29.12 89.20 151.81 320.14 U.S. Small Cap 24.92 76.64 131.00 279.27

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EVB(1) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.89 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 286 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ESI(2) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - BOND FUND) Accumulation unit value at beginning of period $1.33 $1.33 $1.33 $1.24 $1.17 $1.00 Accumulation unit value at end of period $1.38 $1.33 $1.33 $1.33 $1.24 $1.17 Number of accumulation units outstanding at end of period (000 omitted) 9,498 8,127 5,689 2,544 1,377 414 Ratio of operating expense to average net assets 1.40% 1.40% 1.40% 1.40% 1.50% 1.50% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ECR(2) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $2.33 $1.91 $1.56 $1.27 $1.20 $1.00 Accumulation unit value at end of period $1.89 $2.33 $1.91 $1.56 $1.27 $1.20 Number of accumulation units outstanding at end of period (000 omitted) 6,358 5,864 5,163 3,813 2,350 818 Ratio of operating expense to average net assets 1.40% 1.40% 1.40% 1.40% 1.50% 1.50% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EMS(2) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - CASH MANAGEMENT FUND) Accumulation unit value at beginning of period $1.18 $1.15 $1.11 $1.07 $1.03 $1.00 Accumulation unit value at end of period $1.24 $1.18 $1.15 $1.11 $1.07 $1.03 Number of accumulation units outstanding at end of period (000 omitted) 4,421 941 749 231 241 132 Ratio of operating expense to average net assets 1.40% 1.40% 1.40% 1.40% 1.50% 1.50% Simple yield(3) 4.54% 4.52% 3.24% 3.71% 3.26% 3.53% Compound yield(3) 4.64% 4.62% 3.29% 3.78% 3.32% 3.59% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EVD(1) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.00 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 16 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EIA(4) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.00 $1.00 -- -- -- -- Accumulation unit value at end of period $0.90 $1.00 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 556 8 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EVF(1) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.06 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 76 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EVG(1) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.74 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 200 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EMG(2) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - MANAGED FUND) Accumulation unit value at beginning of period $2.07 $1.83 $1.60 $1.36 $1.18 $1.00 Accumulation unit value at end of period $1.99 $2.07 $1.83 $1.60 $1.36 $1.18 Number of accumulation units outstanding at end of period (000 omitted) 6,779 5,985 4,684 2,944 1,546 589 Ratio of operating expense to average net assets 1.40% 1.40% 1.40% 1.40% 1.50% 1.50% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EGD(5) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-REGISTERED TRADEMARK-) Accumulation unit value at beginning of period $1.72 $1.32 $1.05 $1.00 -- -- Accumulation unit value at end of period $1.54 $1.72 $1.32 $1.05 -- -- Number of accumulation units outstanding at end of period (000 omitted) 3,717 2,141 1,108 69 -- -- Ratio of operating expense to average net assets 1.40% 1.40% 1.40% 1.40% -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EVS(1) (INVESTING IN SHARES OF AXP-REGISTERED TRADEMARK- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.99 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 20 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ECA(4) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.43 $1.00 -- -- -- -- Accumulation unit value at end of period $1.26 $1.43 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 3,037 57 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ECD(6) (INVESTING IN SHARES OF AIM V.I. CAPITAL DEVELOPMENT FUND) Accumulation unit value at beginning of period $1.26 $1.00 -- -- -- -- Accumulation unit value at end of period $1.36 $1.26 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 480 1 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EVA(7) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.72 $1.34 $1.03 $1.00 -- -- Accumulation unit value at end of period $1.45 $1.72 $1.34 $1.03 -- -- Number of accumulation units outstanding at end of period (000 omitted) 11,388 5,638 1,779 66 -- -- Ratio of operating expense to average net assets 1.40% 1.40% 1.40% 1.40% -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EPP(6) (INVESTING IN SHARES OF ALLIANCE VP PREMIER GROWTH PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.17 $1.00 -- -- -- -- Accumulation unit value at end of period $0.96 $1.17 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 3,368 56 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ETC(6) (INVESTING IN SHARES OF ALLIANCE VP TECHNOLOGY PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.40 $1.00 -- -- -- -- Accumulation unit value at end of period $1.08 $1.40 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,278 105 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EHG(6) (INVESTING IN SHARES OF ALLIANCE VP U.S. GOVERNMENT/HIGH GRADE SECURITIES PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 $1.00 -- -- -- -- Accumulation unit value at end of period $1.09 $1.00 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 743 7 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EAS(6) (INVESTING IN SHARES OF BARON CAPITAL ASSET FUND - INSURANCE SHARES) Accumulation unit value at beginning of period $1.19 $1.00 -- -- -- -- Accumulation unit value at end of period $1.14 $1.19 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,639 31 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EEG(6) (INVESTING IN SHARES OF CREDIT SUISSE WARBURG PINCUS TRUST - EMERGING GROWTH PORTFOLIO(8)) Accumulation unit value at beginning of period $1.31 $1.00 -- -- -- -- Accumulation unit value at end of period $1.28 $1.31 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 795 6 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EFG(6) (INVESTING IN SHARES OF FIDELITY VIP III GROWTH & INCOME PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.05 $1.00 -- -- -- -- Accumulation unit value at end of period $1.00 $1.05 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,383 71 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EFM(6) (INVESTING IN SHARES OF FIDELITY VIP III MID CAP PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.24 $1.00 -- -- -- -- Accumulation unit value at end of period $1.64 $1.24 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,714 44 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EFO(6) (INVESTING IN SHARES OF FIDELITY VIP OVERSEAS PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.23 $1.00 -- -- -- -- Accumulation unit value at end of period $0.98 $1.23 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 516 33 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ERE(6) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $0.97 $1.00 -- -- -- -- Accumulation unit value at end of period $1.25 $0.97 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 202 1 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EMU(6) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.05 $1.00 -- -- -- -- Accumulation unit value at end of period $1.17 $1.05 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 170 31 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EIS(6) (INVESTING IN SHARES OF FTVIPT TEMPLETON INTERNATIONAL SMALLER COMPANIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.02 $1.00 -- -- -- -- Accumulation unit value at end of period $1.00 $1.02 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 106 1 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT JCG(6) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CAPITAL GROWTH FUND) Accumulation unit value at beginning of period $1.16 $1.00 -- -- -- -- Accumulation unit value at end of period $1.05 $1.16 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 613 226 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT JUS(6) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.12 $1.00 -- -- -- -- Accumulation unit value at end of period $1.00 $1.12 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,247 480 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT JGL(6) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $0.97 $1.00 -- -- -- -- Accumulation unit value at end of period $1.04 $0.97 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 398 34 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT JIF(6) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.27 $1.00 -- -- -- -- Accumulation unit value at end of period $1.08 $1.27 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 195 30 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EIT(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.67 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 319 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EJA(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES AGGRESSIVE GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.70 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,737 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EJT(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES GLOBAL TECHNOLOGY PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.68 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 898 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EJG(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.82 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,472 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EJI(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES INTERNATIONAL GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.80 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,304 -- -- -- -- -- Ratio of operating expense to average net assets 1.40% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EDE(6) (INVESTING IN SHARES OF J.P. MORGAN U.S. DISCIPLINED EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.07 $1.00 -- -- -- -- Accumulation unit value at end of period $0.94 $1.07 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 673 51 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ERQ(6) (INVESTING IN SHARES OF LAZARD RETIREMENT EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.01 $1.00 -- -- -- -- Accumulation unit value at end of period $1.00 $1.01 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 154 1 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ERI(6) (INVESTING IN SHARES OF LAZARD RETIREMENT INTERNATIONAL EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.07 $1.00 -- -- -- -- Accumulation unit value at end of period $0.96 $1.07 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 62 1 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT END(6) (INVESTING IN SHARES OF MFS-REGISTERED TRADEMARK- NEW DISCOVERY SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.47 $1.00 -- -- -- -- Accumulation unit value at end of period $1.42 $1.47 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,229 64 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT ERS(6) (INVESTING IN SHARES OF MFS-REGISTERED TRADEMARK- RESEARCH SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.16 $1.00 -- -- -- -- Accumulation unit value at end of period $1.09 $1.16 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,902 242 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EUT(6) (INVESTING IN SHARES OF MFS-REGISTERED TRADEMARK- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.20 $1.00 -- -- -- -- Accumulation unit value at end of period $1.27 $1.20 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,939 30 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EPG(9) (INVESTING IN SHARES OF PUTNAM VT GROWTH AND INCOME FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.18 $1.18 $1.00 -- -- -- Accumulation unit value at end of period $1.26 $1.18 $1.18 -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 6,616 4,302 239 -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% 1.40% -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EPL(6) (INVESTING IN SHARES OF PUTNAM VT INTERNATIONAL GROWTH FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.33 $1.00 -- -- -- -- Accumulation unit value at end of period $1.19 $1.33 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,192 347 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT EPN(6) (INVESTING IN SHARES OF PUTNAM VT INTERNATIONAL NEW OPPORTUNITIES FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.53 $1.00 -- -- -- -- Accumulation unit value at end of period $0.93 $1.53 -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 847 35 -- -- -- -- Ratio of operating expense to average net assets 1.40% 1.40% -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

------------- ----------------------------- ---------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------- ----------------------------- ---------------------------------------- ----------------------------- EVB AXP-Registered Trademark- Objective: long-term total return IDS Life, investment Variable Portfolio - Blue exceeding that of the U.S. stock manager; American Express Chip Advantage Fund market. Invests primarily in common Financial Corporation stocks of companies included in the (AEFC), investment advisor. unmanaged S&P 500 Index. ------------- ----------------------------- ---------------------------------------- ----------------------------- ESI AXP-Registered Trademark- Objective: high level of current IDS Life, investment Variable Portfolio - Bond income while conserving the value of manager; American Express Fund the investment and continuing a high Financial Corporation level of income for the longest time (AEFC), investment advisor. period. Invests primarily in bonds and other debt obligations. ------------- ----------------------------- ---------------------------------------- ----------------------------- ECR AXP-Registered Trademark- Objective: capital appreciation. IDS Life, investment Variable Portfolio - Invests primarily in U.S. common manager; AEFC, investment Capital Resource Fund stocks and other securities advisor. convertible into common stocks. ------------- ----------------------------- ---------------------------------------- ----------------------------- EMS AXP-Registered Trademark- Objective: maximum current income IDS Life, investment Variable Portfolio - Cash consistent with liquidity and manager; AEFC, investment Management Fund stability of principal. Invests in advisor. money market securities. ------------- ----------------------------- ---------------------------------------- ----------------------------- EVD AXP-Registered Trademark- Objective: a high level of current IDS Life, investment Variable Portfolio - income and, as a secondary goal, manager; AEFC, investment Diversified Equity Income steady growth of capital. Invests advisor. Fund primarily in dividend-paying common and preferred stocks. ------------- ----------------------------- ---------------------------------------- ----------------------------- EIA AXP-Registered Trademark- Objective: high current income, with IDS Life, investment Variable Portfolio - Extra capital growth as a secondary manager; AEFC, investment Income Fund objective. Invests primarily in advisor. high-yielding, high-risk corporate bonds issued by U.S. and foreign companies and governments. ------------- ----------------------------- ---------------------------------------- ----------------------------- EVF AXP-Registered Trademark- Objective: a high level of current IDS Life, investment Variable Portfolio - income and safety of principal manager; AEFC, investment Federal Income Fund consistent with an investment in U.S. advisor. government and government agency securities. Invests primarily in debt obligations issued or guaranteed as to principal and interest by the U.S. government, its agencies or instrumentalities. ------------- ----------------------------- ---------------------------------------- ----------------------------- EVG AXP-Registered Trademark- Objective: long-term capital growth. IDS Life, investment Variable Portfolio - Growth Invests primarily in common stocks and manager; AEFC, investment Fund securities convertible into common advisor. stocks that appear to offer growth opportunities. ------------- ----------------------------- ---------------------------------------- ----------------------------- EMG AXP-Registered Trademark- Objective: maximum total investment IDS Life, investment Variable Portfolio - return through a combination of manager; AEFC, investment Managed Fund capital growth and current income. advisor. Invests primarily in a combination of common and preferred stocks, convertible securities, bonds and other debt securities. ------------- ----------------------------- ---------------------------------------- ----------------------------- EGD AXP-Registered Trademark- Objective: long-term growth of IDS Life, investment Variable Portfolio - New capital. Invests primarily in common manager; AEFC, investment Dimensions Fund-Registered stocks of U.S. and foreign companies advisor. Trademark- showing potential for significant growth. ------------- ----------------------------- ---------------------------------------- -----------------------------

------------- ----------------------------- ---------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------- ----------------------------- ---------------------------------------- ----------------------------- EVS AXP-Registered Trademark- Objective: long-term capital growth. IDS Life, investment Variable Portfolio - Small Invests primarily in equity stocks of manager; AEFC, investment Cap Advantage Fund small companies that are often advisor; Kenwood Capital included in the S&P SmallCap 600 Index Management LLC, or the Russell 2000 Index. sub-investment advisor. ------------- ----------------------------- ---------------------------------------- ----------------------------- ECA AIM V.I. Capital Objective: growth of capital. Invests A I M Advisors, Inc. Appreciation Fund mainly in common stocks of companies likely to benefit from new or innovative products, services or processes as well as those with above-average growth and excellent prospects for future growth. ------------- ----------------------------- ---------------------------------------- ----------------------------- ECD AIM V.I. Capital Objective: long term growth of A I M Advisors, Inc. Development Fund capital. Invests primarily in securities (including common stocks, convertible securities and bonds) of small- and medium-sized companies. ------------- ----------------------------- ---------------------------------------- ----------------------------- EVA AIM V.I. Value Fund Objective: long-term growth of capital A I M Advisors, Inc. with income as a secondary objective. Invests primarily in equity securities judged to be undervalued relative to the investment advisor's appraisal of the current or projected earnings of the companies issuing the securities, or relative to current market values of assets owned by the companies issuing the securities, or relative to the equity market generally. ------------- ----------------------------- ---------------------------------------- ----------------------------- EPP Alliance VP Premier Growth Objective: long-term growth of capital Alliance Capital Portfolio (Class B) by pursuing aggressive investment Management, L.P. policies. Invests primarily in equity securities of a limited number of large, carefully selected, high-quality U.S. companies that are judged likely to achieve superior earnings growth. ------------- ----------------------------- ---------------------------------------- ----------------------------- ETC Alliance VP Technology Objective: growth of capital. Current Alliance Capital Portfolio (Class B) income is only an incidental Management, L.P. consideration. Invests primarily in securities of companies expected to benefit from technological advances and improvements. ------------- ----------------------------- ---------------------------------------- ----------------------------- EHG Alliance VP U.S. Objective: high level of current Alliance Capital Government/High Grade income consistent with preservation of Management, L.P. Securities Portfolio capital. Invests primarily in (1) U.S. (Class B) Government securities and (2) other high-grade debt securities or, if unrated, of equivalent quality. ------------- ----------------------------- ---------------------------------------- ----------------------------- EAS Baron Capital Asset Fund - Objective: capital appreciation. BAMCO, Inc. Insurance Shares Invests primarily in securities of small and medium sized companies with undervalued assets or favorable growth prospects. ------------- ----------------------------- ---------------------------------------- ----------------------------- EEG Credit Suisse Warburg Objective: maximum capital Credit Suisse Asset Pincus Trust - Emerging appreciation. Invests in U.S. equity Management, LLC Growth Portfolio securities of emerging-growth (previously Warburg Pincus companies with growth characteristics Trust - Emerging Growth such as positive earnings and Portfolio) potential for accelerated growth. ------------- ----------------------------- ---------------------------------------- -----------------------------

------------- ----------------------------- ---------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------- ----------------------------- ---------------------------------------- ----------------------------- EFG Fidelity VIP III Growth & Objective: high total return through a Fidelity Management & Income Portfolio (Service combination of current income and Research Company (FMR), Class) capital appreciation. Invests investment manager; FMR primarily in common stocks with a U.K. and FMR Far East, focus on those that pay current sub-investment advisors. dividends and show potential for capital appreciation. ------------- ----------------------------- ---------------------------------------- ----------------------------- EFM Fidelity VIP III Mid Cap Objective: long-term growth of FMR, investment manager; Portfolio (Service Class) capital. Invests primarily in medium FMR U.K. and FMR Far East, market capitalization common stocks. sub-investment advisors. ------------- ----------------------------- ---------------------------------------- ----------------------------- EFO Fidelity VIP Overseas Objective: long-term growth of FMR, investment manager; Portfolio (Service Class) capital. Invests primarily in common FMR U.K., FMR Far East, stocks of foreign securities. Fidelity International Investment Advisors (FIIA) and FIIA U.K., sub-investment advisors. ------------- ----------------------------- ---------------------------------------- ----------------------------- ERE FTVIPT Franklin Real Estate Objective: capital appreciation with a Franklin Advisers, Inc. Fund - Class 2 secondary goal to earn current income. Invests primarily in securities of companies operating in the real estate industry, primarily equity real estate investment trusts (REITS). ------------- ----------------------------- ---------------------------------------- ----------------------------- EMU FTVIPT Mutual Shares Objective: capital appreciation with Franklin Mutual Advisers, Securities Fund - Class 2 income as a secondary goal. Invests LLC primarily in equity securities of companies that the manager believes are available at market prices less than their actual value based on certain recognized or objective criteria (intrinsic value). ------------- ----------------------------- ---------------------------------------- ----------------------------- EIS FTVIPT Templeton Objective: long-term capital Templeton Investment International Smaller appreciation. Invests primarily in Counsel, LLC Companies Fund - Class 2 equity securities of smaller companies located outside the U.S., including those in emerging markets. ------------- ----------------------------- ---------------------------------------- ----------------------------- JCG Goldman Sachs VIT Capital Objective: seeks long-term growth of Goldman Sachs Asset Growth Fund capital by investing in a diversified Management portfolio of equity securities that are considered by the investment adviser to have long-term capital appreciation potential. ------------- ----------------------------- ---------------------------------------- ----------------------------- JUS Goldman Sachs VIT CORE-SM- Objective: seeks long-term growth of Goldman Sachs Asset U.S. Equity Fund capital and dividend income. Invests Management primarily in a broadly diversified portfolio of large-cap and blue chip equity securities representing all major sectors of the U.S. economy. ------------- ----------------------------- ---------------------------------------- ----------------------------- JGL Goldman Sachs VIT Global Objective: seeks high total return, Goldman Sachs Asset Income Fund emphasizing current income, and, to a Management International lesser extent, providing opportunities for capital appreciation. Invests primarily in a portfolio of high quality fixed-income securities of U.S. and foreign issuers and enters into transactions in foreign currencies. ------------- ----------------------------- ---------------------------------------- -----------------------------

------------- ----------------------------- ---------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------- ----------------------------- ---------------------------------------- ----------------------------- JIF Goldman Sachs VIT Objective: seeks long-term capital Goldman Sachs Asset International Equity Fund appreciation. Invests primarily in Management International equity securities of companies that are organized outside the U.S., or whose securities are principally traded outside the U.S. ------------- ----------------------------- ---------------------------------------- ----------------------------- EIT Goldman Sachs VIT Internet Objective: seeks long-term growth of Goldman Sachs Asset Tollkeeper Fund-SM- capital. Invests primarily in equity Management securities of companies the investment adviser believes will benefit from the growth of the Internet by providing access, infrastructure, content and services to Internet companies and customers. ------------- ----------------------------- ---------------------------------------- ----------------------------- EJA Janus Aspen Series Objective: long-term growth of Janus Capital Aggressive Growth capital. Non-diversified mutual fund Portfolio: Service Shares that primarily invests in common stocks selected for their growth potential and normally invests at least 50% of its equity assets in medium-sized companies. ------------- ----------------------------- ---------------------------------------- ----------------------------- EJT Janus Aspen Series Global Objective: long-term growth of Janus Capital Technology Portfolio: capital. Non-diversified mutual fund Service Shares that primarily invests in equity securities of U.S. and foreign companies selected for their growth potential. Normally invests at least 65% of assets in securities of companies that the manager believes will benefit significantly from advancements or improvements in technology. ------------- ----------------------------- ---------------------------------------- ----------------------------- EJG Janus Aspen Series Growth Objective: long-term growth of capital Janus Capital Portfolio: Service Shares in a manner consistent with the preservation of capital. Invests primarily in common stocks selected for their growth potential. ------------- ----------------------------- ---------------------------------------- ----------------------------- EJI Janus Aspen Series Objective: long-term growth of Janus Capital International Growth capital. Invests at least 65% of its Portfolio: Service Shares total assets in securities of issuers from at least five different countries, excluding the U.S. It may at times invest all of its assets in fewer than five countries or even a single country. ------------- ----------------------------- ---------------------------------------- ----------------------------- EDE J.P. Morgan U.S. Objective: seeks to provide a high J.P. Morgan Disciplined Equity Portfolio total return from a portfolio of selected equity securities. The portfolio invests primarily in large and medium capitalization U.S. companies. The portfolio is designed for investors who want an actively managed portfolio of selected equity securities that seeks to outperform the S&P 500 Index. ------------- ----------------------------- ---------------------------------------- -----------------------------

------------- ----------------------------- ---------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------- ----------------------------- ---------------------------------------- ----------------------------- ERQ Lazard Retirement Equity Objective: long-term capital Lazard Asset Management Portfolio appreciation. Invests primarily in equity securities, principally common stocks, of relatively large U.S. companies with market capitalizations in the range of the S&P 500-Registered Trademark- Index that the Investment Manager believes are undervalued based on their earnings, cash flow or asset values. ------------- ----------------------------- ---------------------------------------- ----------------------------- ERI Lazard Retirement Objective: long-term capital Lazard Asset Management International Equity appreciation. Invests primarily in Portfolio equity securities, principally common stocks, of relatively large non-U.S. companies with market capitalizations in the range of the Morgan Stanley Capital International (MSCI) Europe, Australia and Far East (EAFE-Registered Trademark-) Index that the Investment Manager believes are undervalued based on their earnings, cash flow or asset values. ------------- ----------------------------- ---------------------------------------- ----------------------------- END MFS-Registered Trademark- Objective: capital appreciation. MFS Investment New Discovery Series - Invests primarily in equity securities Management-Registered Initial Class of emerging growth companies. Trademark- ------------- ----------------------------- ---------------------------------------- ----------------------------- ERS MFS-Registered Trademark- Objective: long-term growth of capital MFS Investment Research Series - Initial and future income. Invests primarily Management-Registered Class in common stocks and related Trademark- securities that have favorable prospects for long-term growth, attractive valuations based on current and expected earnings or cash flow, dominant or growing market share, and superior management. ------------- ----------------------------- ---------------------------------------- ----------------------------- EUT MFS-Registered Trademark- Objective: capital growth and current MFS Investment Utilities Series - Initial income. Invests primarily in equity Management-Registered Class and debt securities of domestic and Trademark- foreign companies in the utilities industry. ------------- ----------------------------- ---------------------------------------- ----------------------------- EPG Putnam VT Growth and Income Objective: capital growth and current Putnam Investment Fund - Class IB Shares income. Invests mainly in common Management, LLC stocks of U.S. companies with a focus on value stocks that offer the potential for capital growth, current income or both. ------------- ----------------------------- ---------------------------------------- ----------------------------- EPL Putnam VT International Objective: capital appreciation. Putnam Investment Growth Fund - Class IB Invests mainly in stocks outside the Management, LLC Shares United States that reflect a value lower than that which Putnam Management places on the company or whose earnings they believe are likely to grow over time. ------------- ----------------------------- ---------------------------------------- ----------------------------- EPN Putnam VT International New Objective: long-term capital Putnam Investment Opportunities Fund - Class appreciation by investing in common Management, LLC IB Shares stocks of companies outside the U.S. that Putnam Investment Management, LLC (Putnam Management) believes are fast growing and whose earnings are likely to increase overtime. ------------- ----------------------------- ---------------------------------------- -----------------------------

YEARS FROM PURCHASE WITHDRAWAL CHARGE PAYMENT RECEIPT PERCENTAGE 1 7% 2 7 3 6 4 6 5 5 6 4 7 2 Thereafter 0

WITHDRAWAL CHARGE EXPLANATION $ 0 $3,848.80 is 10% of the prior anniversary's contract value withdrawn without withdrawal charge; and 0 $10,252.20 is contract earnings in excess of the 10% free withdrawal amount withdrawn without withdrawal charge; and 0 $10,000 July 1, 2001 payment was received eight or more years before withdrawal and is withdrawn without withdrawal charge; and 400 $8,000 Dec. 31, 2006 payment is in its fifth year from receipt, withdrawn with a 5% withdrawal charge; and 360 $6,000 Feb. 20, 2009 payment is in its third year from receipt, withdrawn with a 6% withdrawal charge. ---- $760

By investing an equal number NUMBER of dollars each month ... AMOUNT ACCUMULATION OF UNITS MONTH INVESTED UNIT VALUE PURCHASED Jan $100 $20 5.00 Feb 100 18 5.56 you automatically buy Mar 100 17 5.88 more units when the per unit market price is low ... ---> Apr 100 15 6.67 May 100 16 6.25 Jun 100 18 5.56 Jul 100 17 5.88 and fewer units Aug 100 19 5.26 when the per unit market price is high. ---> Sept 100 21 4.76 Oct 100 20 5.00

IF YOUR NET CONTRACT VALUE(1) IS ... WE ALLOCATE YOUR NEW PURCHASE PAYMENTS TO: $10,000 - $49,999 Tier 1 DCA account $50,000 or more Tier 2 DCA account(2)

CONTRACT GMIB ANNIVERSARY CONTRACT VALUE PURCHASE PAYMENTS 6% RISING FLOOR BENEFIT BASE 1 $107,000 $100,000 $106,000 2 125,000 100,000 112,360 3 132,000 100,000 119,102 4 150,000 100,000 126,248 5 85,000 100,000 133,823 6 120,000 100,000 141,852 7 138,000 100,000 150,363 $150,363 8 152,000 100,000 159,388 159,388 9 139,000 100,000 168,948 168,948 10 126,000 100,000 179,085 179,085 11 138,000 100,000 189,830 189,830 12 147,000 100,000 201,220 201,220 13 215,000 100,000 213,293 215,000 14 234,000 100,000 226,090 234,000 15 240,000 100,000 239,655 240,000

MINIMUM GUARANTEED MONTHLY INCOME CONTRACT PLAN A - PLAN B - PLAN D - JOINT AND ANNIVERSARY GMIB LIFE ANNUITY-- LIFE ANNUITY WITH LAST SURVIVOR LIFE AT EXERCISE BENEFIT BASE NO REFUND TEN YEARS CERTAIN ANNUITY-- NO REFUND 10 $179,085 (6% Rising Floor) $ 881.10 $ 857.82 $ 694.85 15 240,000 (Contract Value) 1,363.20 1,298.40 1,041.60

CONTRACT PLAN A - PLAN B - PLAN D - JOINT AND ANNIVERSARY LIFE ANNUITY-- LIFE ANNUITY WITH LAST SURVIVOR LIFE AT EXERCISE CONTRACT VALUE NO REFUND TEN YEARS CERTAIN ANNUITY-- NO REFUND 10 $126,000 $ 656.46 $ 638.82 $ 522.90 15 240,000 1,430.40 1,363.20 1,106.40

Three months ended YEARS ENDED DEC. 31 (THOUSANDS) March 31, 2001 March 31, 2000 2000 1999 1998 1997 1996 ------------------------------------------------------------------------------------------------------------------------------------ Net investment income $ 69,460 $ 77,586 $ 299,759 $ 322,746 $ 340,219 $ 332,268 $ 271,719 Net loss on investments (18,542) (2,425) 469 6,565 (4,788) (509) (5,258) Other 3,765 2,289 12,248 8,338 7,662 6,329 5,753 Total revenues $ 54,863 $ 77,450 $ 312,476 $ 337,649 $ 343,093 $ 338,088 $ 272,214 Income before income taxes $ (11,624) $ 9,978 $ 38,452 $ 50,662 $ 36,421 $ 44,958 $ 35,735 Net income $ (7,637) $ 6,332 $ 24,365 $ 33,987 $ 22,026 $ 28,313 $ 22,823 Total assets $4,617,668 $4,532,394 $4,652,221 $4,603,343 $4,885,621 $4,973,413 $4,425,837 ------------------------------------------------------------------------------------------------------------------------------------

NAME OF INDIVIDUAL OR NUMBER IN GROUP POSITION HELD CASH COMPENSATION Five most highly compensated executive officers as a group: $ 8,138,209 Stephen W. Roszell President and Chief Executive Officer Richard W. Kling Chairman of the Board Lorraine R. Hart Vice President - Investments David M. Kuplic Assistant Vice President - Investments Stuart A. Sedlacek Executive Vice President All executive officers as a group (11) $11,289,475

YEARS FROM PURCHASE WITHDRAWAL CHARGE PAYMENT RECEIPT PERCENTAGE 1 8% 2 8 3 8 4 8 5 7 6 6 7 6 8 4 9 2 Thereafter 0

DEATH BENEFIT OPTION B-- MAXIMUM OPTION A-- VALUE ANNIVERSARY VALUE OR OPTION RETURN OF OPTION C-- 5% PURCHASE PAYMENT ACCUMULATION VARIABLE ACCOUNT ADMINISTRATIVE CHARGE: 0.15% 0.15% MORTALITY AND EXPENSE RISK FEE: 1.45 1.35 ---- ---- TOTAL ANNUAL VARIABLE ACCOUNT EXPENSES: 1.60% 1.50%

MANAGEMENT 12b-1 OTHER FEES FEES EXPENSES TOTAL J.P. Morgan U.S. Disciplined Equity Portfolio .35% --% .50% .85%(3) Lazard Retirement Series Equity Portfolio .75 .25 .25 1.25(13) International Equity Portfolio .75 .25 .25 1.25(13) MFS-Registered Trademark- New Discovery Series - Initial Class .90 -- .16 1.06(14),(15) Research Series - Initial Class .75 -- .10 .85(14) Utilities Series - Initial Class .75 -- .16 .91(14) Royce Capital Fund Micro-Cap Portfolio 1.25 -- .10 1.35(16) Small-Cap Portfolio (previously Royce Premier Portfolio) 1.00 -- .35 1.35(16) Third Avenue Value Portfolio .90 -- .40 1.30(17) Wanger International Small Cap 1.20 -- .21 1.41(3),(18) U.S. Small Cap .95 -- .05 1.00(3),(18) Wells Fargo VT Equity Income Fund .53 .25 .22 1.00(19)

NO WITHDRAWAL OR SELECTION FULL WITHDRAWAL AT THE OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund $109.89 $171.48 $225.58 $327.44 $29.89 $ 91.48 $155.58 $327.44 Bond Fund 108.25 166.60 217.52 311.81 28.25 86.60 147.52 311.81 Capital Resource Fund 108.04 165.99 216.51 309.83 28.04 85.99 146.51 309.83 Cash Management Fund 107.12 163.24 211.96 300.91 27.12 83.24 141.96 300.91 Diversified Equity Income Fund 109.89 171.48 225.58 327.44 29.89 91.48 155.58 327.44 Extra Income Fund 108.56 167.52 219.04 314.76 28.56 87.52 149.04 314.76 Federal Income Fund 109.07 169.05 221.56 319.66 29.07 89.05 151.56 319.66 Growth Fund 109.89 171.48 225.58 327.44 29.89 91.48 155.58 327.44 Managed Fund 107.84 165.38 215.50 307.86 27.84 85.38 145.50 307.86 New Dimensions Fund-Registered Trademark- 108.15 166.30 217.02 310.82 28.15 86.30 147.02 310.82 Small Cap Advantage Fund 112.35 178.77 237.56 350.43 32.35 98.77 167.56 350.43 AIM V.I. Capital Appreciation Fund 108.56 167.52 219.04 314.76 28.56 87.52 149.04 314.76 Capital Development Fund 114.30 184.51 246.95 368.24 34.30 104.51 176.95 368.24 Value Fund 108.76 168.13 220.05 316.72 28.76 88.13 150.05 316.72 Alliance VP Premier Growth Portfolio (Class B) 113.48 182.10 243.01 360.79 33.48 102.10 173.01 360.79 Technology Portfolio (Class B) 113.58 182.40 243.50 361.72 33.58 102.40 173.50 361.72 U.S. Government/High Grade Securities Portfolio (Class B) 112.45 179.07 238.05 351.38 32.45 99.07 168.05 351.38 Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 115.53 188.13 252.85 379.32 35.53 108.13 182.85 379.32 Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) 112.96 180.59 240.53 356.09 32.96 100.59 170.53 356.09 Fidelity VIP III Growth & Income Portfolio (Service Class) 107.22 163.55 212.46 301.91 27.22 83.55 142.46 301.91 III Mid Cap Portfolio (Service Class) 108.76 168.13 220.05 316.72 28.76 88.13 150.05 316.72 Overseas Portfolio (Service Class) 110.30 172.70 227.58 331.31 30.30 92.70 157.58 331.31 Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 108.86 168.44 220.55 317.70 28.86 88.44 150.55 317.70 Mutual Shares Securities Fund - Class 2 110.91 174.52 230.58 337.09 30.91 94.52 160.58 337.09 Templeton International Smaller Companies Fund - Class 2 114.09 183.91 245.97 366.39 34.09 103.91 175.97 366.39

NO WITHDRAWAL OR SELECTION FULL WITHDRAWAL AT THE OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS Goldman Sachs VIT Capital Growth Fund $110.40 $173.00 $228.08 $332.28 $30.40 $ 93.00 $158.08 $332.28 CORE-SM- U.S. Equity Fund 109.38 169.96 223.07 322.58 29.38 89.96 153.07 322.58 Global Income Fund 111.94 177.56 235.57 346.64 31.94 97.56 165.57 346.64 International Equity Fund 113.99 183.61 245.47 365.45 33.99 103.61 175.47 365.45 Internet Tollkeeper Fund-SM- 112.96 180.59 240.53 356.09 32.96 100.59 170.53 356.09 Janus Aspen Series Aggressive Growth Portfolio: Service Shares 109.58 170.57 224.07 324.53 29.58 90.57 154.07 324.53 Global Technology Portfolio: Service Shares 109.79 171.18 225.08 326.47 29.79 91.18 155.08 326.47 Growth Portfolio: Service Shares 109.58 170.57 224.07 324.53 29.58 90.57 154.07 324.53 International Growth Portfolio: Service Shares 109.99 171.79 226.08 328.41 29.99 91.79 156.08 328.41 J.P. Morgan U.S. Disciplined Equity Portfolio 108.86 168.44 220.55 317.70 28.86 88.44 150.55 317.70 Lazard Retirement Series Equity Portfolio 112.96 180.59 240.53 356.09 32.96 100.59 170.53 356.09 International Equity Portfolio 112.96 180.59 240.53 356.09 32.96 100.59 170.53 356.09 MFS-Registered Trademark- New Discovery Series - Initial Class 111.02 174.83 231.08 338.05 31.02 94.83 161.08 338.05 Research Series - Initial Class 108.86 168.44 220.55 317.70 28.86 88.44 150.55 317.70 Utilities Series - Initial Class 109.48 170.26 223.57 323.56 29.48 90.26 153.57 323.56 Royce Capital Fund Micro-Cap Portfolio 113.99 183.61 245.47 365.45 33.99 103.61 175.47 365.45 Small-Cap Portfolio (previously Royce Premier Portfolio) 113.99 183.61 245.47 365.45 33.99 103.61 175.47 365.45 Third Avenue Value Portfolio 113.48 182.10 243.01 360.79 33.48 102.10 173.01 360.79 Wanger International Small Cap 114.60 185.42 248.43 371.03 34.60 105.42 178.43 371.03 U.S. Small Cap 110.40 173.00 228.08 332.28 30.40 93.00 158.08 332.28 Wells Fargo VT Equity Income Fund 110.40 173.00 228.08 332.28 30.40 93.00 158.08 332.28

NO WITHDRAWAL OR SELECTION FULL WITHDRAWAL AT THE OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund $105.28 $157.72 $202.79 $282.82 $25.28 $77.72 $132.79 $282.82 Bond Fund 103.64 152.80 194.58 266.47 23.64 72.80 124.58 266.47 Capital Resource Fund 103.43 152.18 193.55 264.41 23.43 72.18 123.55 264.41 Cash Management Fund 102.51 149.40 188.91 255.08 22.51 69.40 118.91 255.08 Diversified Equity Income Fund 105.28 157.72 202.79 282.82 25.28 77.72 132.79 282.82 Extra Income Fund 103.94 153.72 196.12 269.56 23.94 73.72 126.12 269.56 Federal Income Fund 104.46 155.26 198.69 274.68 24.46 75.26 128.69 274.68 Growth Fund 105.28 157.72 202.79 282.82 25.28 77.72 132.79 282.82 Managed Fund 103.23 151.56 192.52 262.34 23.23 71.56 122.52 262.34 New Dimensions Fund-Registered Trademark- 103.53 152.49 194.07 265.44 23.53 72.49 124.07 265.44 Small Cap Advantage Fund 107.74 165.08 215.00 306.87 27.74 85.08 145.00 306.87 AIM V.I. Capital Appreciation Fund 103.94 153.72 196.12 269.56 23.94 73.72 126.12 269.56 Capital Development Fund 109.68 170.87 224.57 325.50 29.68 90.87 154.57 325.50 Value Fund 104.15 154.34 197.15 271.61 24.15 74.34 127.15 271.61 Alliance VP Premier Growth Portfolio (Class B) 108.86 168.44 220.55 317.70 28.86 88.44 150.55 317.70 Technology Portfolio (Class B) 108.97 168.74 221.05 318.68 28.97 88.74 151.05 318.68 U.S. Government/High Grade Securities Portfolio (Class B) 107.84 165.38 215.50 307.86 27.84 85.38 145.50 307.86 Baron Capital Funds Trust Capital Asset Fund - Insurance Shares 110.91 174.52 230.58 337.09 30.91 94.52 160.58 337.09 Credit Suisse Warburg Pincus Trust - Emerging Growth Portfolio (previously Warburg Pincus Trust - Emerging Growth Portfolio) 108.35 166.91 218.03 312.79 28.35 86.91 148.03 312.79 Fidelity VIP III Growth & Income Portfolio (Service Class) 102.61 149.71 189.42 256.12 22.61 69.71 119.42 256.12 III Mid Cap Portfolio (Service Class) 104.15 154.34 197.15 271.61 24.15 74.34 127.15 271.61 Overseas Portfolio (Service Class) 105.69 158.95 204.83 286.87 25.69 78.95 134.83 286.87 Franklin Templeton VIP Trust Franklin Real Estate Fund - Class 2 104.25 154.64 197.66 272.63 24.25 74.64 127.66 272.63 Mutual Shares Securities Fund - Class 2 106.30 160.79 207.89 292.91 26.30 80.79 137.89 292.91 Templeton International Smaller Companies Fund - Class 2 109.48 170.26 223.57 323.56 29.48 90.26 153.57 323.56 Goldman Sachs VIT Capital Growth Fund 105.79 159.26 205.34 287.88 25.79 79.26 135.34 287.88 CORE-SM- U.S. Equity Fund 104.76 156.18 200.23 277.74 24.76 76.18 130.23 277.74 Global Income Fund 107.33 163.85 212.97 302.90 27.33 83.85 142.97 302.90 International Equity Fund 109.38 169.96 223.07 322.58 29.38 89.96 153.07 322.58 Internet Tollkeeper Fund-SM- 108.35 166.91 218.03 312.79 28.35 86.91 148.03 312.79 Janus Aspen Series Aggressive Growth Portfolio: Service Shares 104.97 156.80 201.25 279.78 24.97 76.80 131.25 279.78 Global Technology Portfolio: Service Shares 105.17 157.41 202.28 281.81 25.17 77.41 132.28 281.81 Growth Portfolio: Service Shares 104.97 156.80 201.25 279.78 24.97 76.80 131.25 279.78 International Growth Portfolio: Service Shares 105.38 158.03 203.30 283.84 25.38 78.03 133.30 283.84

NO WITHDRAWAL OR SELECTION FULL WITHDRAWAL AT THE OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS J.P. Morgan U.S. Disciplined Equity Portfolio $104.25 $154.64 $197.66 $272.63 $24.25 $74.64 $127.66 $272.63 Lazard Retirement Series Equity Portfolio 108.35 166.91 218.03 312.79 28.35 86.91 148.03 312.79 International Equity Portfolio 108.35 166.91 218.03 312.79 28.35 86.91 148.03 312.79 MFS-Registered Trademark- New Discovery Series - Initial Class 106.40 161.10 208.40 293.92 26.40 81.10 138.40 293.92 Research Series - Initial Class 104.25 154.64 197.66 272.63 24.25 74.64 127.66 272.63 Utilities Series - Initial Class 104.87 156.49 200.74 278.76 24.87 76.49 130.74 278.76 Royce Capital Fund Micro-Cap Portfolio 109.38 169.96 223.07 322.58 29.38 89.96 153.07 322.58 Small-Cap Portfolio (previously Royce Premier Portfolio) 109.38 169.96 223.07 322.58 29.38 89.96 153.07 322.58 Third Avenue Value Portfolio 108.86 168.44 220.55 317.70 28.86 88.44 150.55 317.70 Wanger International Small Cap 109.99 171.79 226.08 328.41 29.99 91.79 156.08 328.41 U.S. Small Cap 105.79 159.26 205.34 287.88 25.79 79.26 135.34 287.88 Wells Fargo VT Equity Income Fund 105.79 159.26 205.34 287.88 25.79 79.26 135.34 287.88

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SBCA1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.93 Number of accumulation units outstanding at end of period (000 omitted) 738 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WBCA3(2) (INVESTING IN SHARES OF AXP-registered trademark- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.91 Number of accumulation units outstanding at end of period (000 omitted) 789 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SBND1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BOND FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.03 Number of accumulation units outstanding at end of period (000 omitted) 688 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SBND2(3) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BOND FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.03 Number of accumulation units outstanding at end of period (000 omitted) 64 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCAR1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.85 Number of accumulation units outstanding at end of period (000 omitted) 785 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WCAR3(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.83 Number of accumulation units outstanding at end of period (000 omitted) 479 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCMG1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CASH MANAGEMENT FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.03 Number of accumulation units outstanding at end of period (000 omitted) 11,511 Ratio of operating expense to average net assets 1.60% Simple yield(4) 4.33% Compound yield(4) 4.42% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCMG2(3) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CASH MANAGEMENT FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.03 Number of accumulation units outstanding at end of period (000 omitted) 2,613 Ratio of operating expense to average net assets 1.50% Simple yield(4) 4.45% Compound yield(4) 4.55% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SDEI1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.07 Number of accumulation units outstanding at end of period (000 omitted) 52 Ratio of operating expense to average net assets 1.60% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WDEI3(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.08 Number of accumulation units outstanding at end of period (000 omitted) 66 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SEXI1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.88 Number of accumulation units outstanding at end of period (000 omitted) 390 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WEXI3(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.87 Number of accumulation units outstanding at end of period (000 omitted) 310 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SFDI1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.06 Number of accumulation units outstanding at end of period (000 omitted) 24 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WFDI3(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.05 Number of accumulation units outstanding at end of period (000 omitted) 272 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGRO1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - GROWTH FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.77 Number of accumulation units outstanding at end of period (000 omitted) 554 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGRO2(3) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - GROWTH FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.74 Number of accumulation units outstanding at end of period (000 omitted) 211 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMGD1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - MANAGED FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.98 Number of accumulation units outstanding at end of period (000 omitted) 613 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMGD2(3) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - MANAGED FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.94 Number of accumulation units outstanding at end of period (000 omitted) 51 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SNDM1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-Registered Trademark-) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.90 Number of accumulation units outstanding at end of period (000 omitted) 2,468 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WNDM3(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-Registered Trademark-) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.86 Number of accumulation units outstanding at end of period (000 omitted) 2,130 Ratio of operating expense to average net assets 1.50% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SSCA1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.00 Number of accumulation units outstanding at end of period (000 omitted) 147 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WSCA3(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.90 Number of accumulation units outstanding at end of period (000 omitted) 173 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCAP1(1) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.83 Number of accumulation units outstanding at end of period (000 omitted) 8,641 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WCAP3(2) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.75 Number of accumulation units outstanding at end of period (000 omitted) 5,686 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCDV1(1) (INVESTING IN SHARES OF AIM V.I. CAPITAL DEVELOPMENT FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.97 Number of accumulation units outstanding at end of period (000 omitted) 3,627 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCDV2(3) (INVESTING IN SHARES OF AIM V.I. CAPITAL DEVELOPMENT FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.97 Number of accumulation units outstanding at end of period (000 omitted) 850 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SVAL1(1) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.83 Number of accumulation units outstanding at end of period (000 omitted) 10,738 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WVAL3(2) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.81 Number of accumulation units outstanding at end of period (000 omitted) 6,187 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SPGR1(1) (INVESTING IN SHARES OF ALLIANCE VP PREMIER GROWTH PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.86 Number of accumulation units outstanding at end of period (000 omitted) 9,298 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SPGR2(3) (INVESTING IN SHARES OF ALLIANCE VP PREMIER GROWTH PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.80 Number of accumulation units outstanding at end of period (000 omitted) 1,899 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT STEC1(1) (INVESTING IN SHARES OF ALLIANCE VP TECHNOLOGY PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.70 Number of accumulation units outstanding at end of period (000 omitted) 9,543 Ratio of operating expense to average net assets 1.60% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT STEC2(3) (INVESTING IN SHARES OF ALLIANCE VP TECHNOLOGY PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.65 Number of accumulation units outstanding at end of period (000 omitted) 2,882 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUGH1(1) (INVESTING IN SHARES OF ALLIANCE VP U.S. GOVERNMENT/HIGH GRADE SECURITIES PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.09 Number of accumulation units outstanding at end of period (000 omitted) 319 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUGH2(3) (INVESTING IN SHARES OF ALLIANCE VP U.S. GOVERNMENT/HIGH GRADE SECURITIES PORTFOLIO (CLASS B)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.01 Number of accumulation units outstanding at end of period (000 omitted) 405 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCAS1(1) (INVESTING IN SHARES OF BARON CAPITAL ASSET FUND - INSURANCE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.96 Number of accumulation units outstanding at end of period (000 omitted) 668 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCAS2(3) (INVESTING IN SHARES OF BARON CAPITAL ASSET FUND - INSURANCE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.95 Number of accumulation units outstanding at end of period (000 omitted) 44 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SEGR1(1) (INVESTING IN SHARES OF CREDIT SUISSE WARBURG PINCUS TRUST - EMERGING GROWTH PORTFOLIO(5)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.83 Number of accumulation units outstanding at end of period (000 omitted) 1,637 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SEGR2(3) (INVESTING IN SHARES OF CREDIT SUISSE WARBURG PINCUS TRUST - EMERGING GROWTH PORTFOLIO(5)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.93 Number of accumulation units outstanding at end of period (000 omitted) 103 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGRI1(1) (INVESTING IN SHARES OF FIDELITY VIP III GROWTH & Income Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.01 Number of accumulation units outstanding at end of period (000 omitted) 2,250 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGRI2(3) (INVESTING IN SHARES OF FIDELITY VIP III GROWTH & Income Portfolio (Service Class)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.99 Number of accumulation units outstanding at end of period (000 omitted) 637 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMDC1(1) (INVESTING IN SHARES OF FIDELITY VIP III MID CAP PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.14 Number of accumulation units outstanding at end of period (000 omitted) 10,072 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMDC2(3) (INVESTING IN SHARES OF FIDELITY VIP III MID CAP PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.14 Number of accumulation units outstanding at end of period (000 omitted) 3,650 Ratio of operating expense to average net assets 1.50% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SOVS1(1) (INVESTING IN SHARES OF FIDELITY VIP OVERSEAS PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.80 Number of accumulation units outstanding at end of period (000 omitted) 1,064 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SOVS2(3) (INVESTING IN SHARES OF FIDELITY VIP OVERSEAS PORTFOLIO (SERVICE CLASS)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.85 Number of accumulation units outstanding at end of period (000 omitted) 506 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SRES1(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.32 Number of accumulation units outstanding at end of period (000 omitted) 269 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WRES3(2) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.18 Number of accumulation units outstanding at end of period (000 omitted) 92 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMSS1(1) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.19 Number of accumulation units outstanding at end of period (000 omitted) 79 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WMSS3(2) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.11 Number of accumulation units outstanding at end of period (000 omitted) 39 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SISC1(1) (INVESTING IN SHARES OF FTVIPT TEMPLETON INTERNATIONAL SMALLER COMPANIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.96 Number of accumulation units outstanding at end of period (000 omitted) 199 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SISC2(3) (INVESTING IN SHARES OF FTVIPT TEMPLETON INTERNATIONAL SMALLER COMPANIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.96 Number of accumulation units outstanding at end of period (000 omitted) 33 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCGR1(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CAPITAL GROWTH FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.95 Number of accumulation units outstanding at end of period (000 omitted) 1,157 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SCGR2(3) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CAPITAL GROWTH FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.91 Number of accumulation units outstanding at end of period (000 omitted) 89 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUSE1(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.94 Number of accumulation units outstanding at end of period (000 omitted) 1,910 Ratio of operating expense to average net assets 1.60% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WUSE3(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.92 Number of accumulation units outstanding at end of period (000 omitted) 587 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGLI1(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.07 Number of accumulation units outstanding at end of period (000 omitted) 260 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WGLI3(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.07 Number of accumulation units outstanding at end of period (000 omitted) 58 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SIEQ1(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.85 Number of accumulation units outstanding at end of period (000 omitted) 621 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SIEQ2(3) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.88 Number of accumulation units outstanding at end of period (000 omitted) 77 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SITO1(3) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.67 Number of accumulation units outstanding at end of period (000 omitted) 2,260 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SITO2(3) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.67 Number of accumulation units outstanding at end of period (000 omitted) 420 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SAGP1(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES AGGRESSIVE GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.58 Number of accumulation units outstanding at end of period (000 omitted) 8,739 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SAGP2(3) (INVESTING IN SHARES OF JANUS ASPEN SERIES AGGRESSIVE GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.70 Number of accumulation units outstanding at end of period (000 omitted) 1,050 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGLT1(3) (INVESTING IN SHARES OF JANUS ASPEN SERIES GLOBAL TECHNOLOGY PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.68 Number of accumulation units outstanding at end of period (000 omitted) 3,873 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGLT2(3) (INVESTING IN SHARES OF JANUS ASPEN SERIES GLOBAL TECHNOLOGY PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.68 Number of accumulation units outstanding at end of period (000 omitted) 769 Ratio of operating expense to average net assets 1.50% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGRP1(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.81 Number of accumulation units outstanding at end of period (000 omitted) 12,345 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SGRP2(3) (INVESTING IN SHARES OF JANUS ASPEN SERIES GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.82 Number of accumulation units outstanding at end of period (000 omitted) 4,333 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SINT1(1) (INVESTING IN SHARES OF JANUS ASPEN SERIES INTERNATIONAL GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.73 Number of accumulation units outstanding at end of period (000 omitted) 7,309 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SINT2(3) (INVESTING IN SHARES OF JANUS ASPEN SERIES INTERNATIONAL GROWTH PORTFOLIO: SERVICE SHARES) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.80 Number of accumulation units outstanding at end of period (000 omitted) 1,077 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUDE1(1) (INVESTING IN SHARES OF J.P. MORGAN U.S. DISCIPLINED EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.93 Number of accumulation units outstanding at end of period (000 omitted) 696 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUDE2(3) (INVESTING IN SHARES OF J.P. MORGAN U.S. DISCIPLINED EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.89 Number of accumulation units outstanding at end of period (000 omitted) 225 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SREQ1(1) (INVESTING IN SHARES OF LAZARD RETIREMENT EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.08 Number of accumulation units outstanding at end of period (000 omitted) 70 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SREQ2(3) (INVESTING IN SHARES OF LAZARD RETIREMENT EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.00 Number of accumulation units outstanding at end of period (000 omitted) 18 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SRIE1(1) (INVESTING IN SHARES OF LAZARD RETIREMENT INTERNATIONAL EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.95 Number of accumulation units outstanding at end of period (000 omitted) 101 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SRIE2(3) (INVESTING IN SHARES OF LAZARD RETIREMENT INTERNATIONAL EQUITY PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.95 Number of accumulation units outstanding at end of period (000 omitted) 11 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SNDS1(1) (INVESTING IN SHARES OF MFS-Registered Trademark- NEW DISCOVERY SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.88 Number of accumulation units outstanding at end of period (000 omitted) 5,110 Ratio of operating expense to average net assets 1.60% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SNDS2(3) (INVESTING IN SHARES OF MFS-Registered Trademark- NEW DISCOVERY SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.95 Number of accumulation units outstanding at end of period (000 omitted) 1,292 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SRSS1(1) (INVESTING IN SHARES OF MFS-Registered Trademark- RESEARCH SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.95 Number of accumulation units outstanding at end of period (000 omitted) 2,978 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SRSS2(3) (INVESTING IN SHARES OF MFS-Registered Trademark- RESEARCH SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.90 Number of accumulation units outstanding at end of period (000 omitted) 1,014 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUTS1(1) (INVESTING IN SHARES OF MFS-Registered Trademark- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.98 Number of accumulation units outstanding at end of period (000 omitted) 3,551 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WUTS3(2) (INVESTING IN SHARES OF MFS-Registered Trademark- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.85 Number of accumulation units outstanding at end of period (000 omitted) 1,785 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMCC1(1) (INVESTING IN SHARES OF ROYCE MICRO-CAP PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.18 Number of accumulation units outstanding at end of period (000 omitted) 491 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SMCC2(3) (INVESTING IN SHARES OF ROYCE MICRO-CAP PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.13 Number of accumulation units outstanding at end of period (000 omitted) 173 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SPRM1(1) (INVESTING IN SHARES OF ROYCE SMALL-CAP PORTFOLIO(6)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.33 Number of accumulation units outstanding at end of period (000 omitted) 640 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SPRM2(3) (INVESTING IN SHARES OF ROYCE SMALL-CAP PORTFOLIO(6)) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.15 Number of accumulation units outstanding at end of period (000 omitted) 284 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SVLU1(1) (INVESTING IN SHARES OF THIRD AVENUE VALUE PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.39 Number of accumulation units outstanding at end of period (000 omitted) 785 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SVLU2(3) (INVESTING IN SHARES OF THIRD AVENUE VALUE PORTFOLIO) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.29 Number of accumulation units outstanding at end of period (000 omitted) 486 Ratio of operating expense to average net assets 1.50% ----------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SISM1(1) (INVESTING IN SHARES OF WANGER INTERNATIONAL SMALL CAP) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.54 Number of accumulation units outstanding at end of period (000 omitted) 1,867 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SISM2(3) (INVESTING IN SHARES OF WANGER INTERNATIONAL SMALL CAP) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.71 Number of accumulation units outstanding at end of period (000 omitted) 434 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUSC1(1) (INVESTING IN SHARES OF WANGER U.S. SMALL CAP) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $0.80 Number of accumulation units outstanding at end of period (000 omitted) 527 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SUSC2(3) (INVESTING IN SHARES OF WANGER U.S. SMALL CAP) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.04 Number of accumulation units outstanding at end of period (000 omitted) 31 Ratio of operating expense to average net assets 1.50% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT SEQI1(1) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.13 Number of accumulation units outstanding at end of period (000 omitted) 47 Ratio of operating expense to average net assets 1.60% ---------------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT WEQI3(2) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 Accumulation unit value at end of period $1.13 Number of accumulation units outstanding at end of period (000 omitted) 437 Ratio of operating expense to average net assets 1.50% ----------------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------------------------------------------------------------------------------------------------------------------- SBCA1 AXP-Registered Trademark- Objective: long-term total return IDS Life, investment WBCA3 Variable Portfolio - Blue exceeding that of the U.S. stock market. manager; American Express Chip Advantage Fund Invests primarily in common stocks of Financial Corporation companies included in the unmanaged S&P (AEFC), investment advisor. 500 Index. ------------------------------------------------------------------------------------------------------------------------- SBND1 AXP-Registered Trademark- Objective: high level of current income IDS Life, investment SBND2 Variable Portfolio - Bond while conserving the value of the manager; AEFC, investment Fund investment and continuing a high level of advisor. income for the longest time period. Invests primarily in bonds and other debt obligations. ------------------------------------------------------------------------------------------------------------------------- SCAR1 AXP-Registered Trademark- Objective: capital appreciation. Invests IDS Life, investment WCAR3 Variable Portfolio - Capital primarily in U.S. common stocks and other manager; AEFC, investment Resource Fund securities convertible into common stocks. advisor. ------------------------------------------------------------------------------------------------------------------------- SCMG1 AXP-Registered Trademark- Objective: maximum current income IDS Life, investment SCMG2 Variable Portfolio - Cash consistent with liquidity and stability manager; AEFC, investment Management Fund of principal. Invests in money market advisor. securities. ------------------------------------------------------------------------------------------------------------------------- SDEI1 AXP-Registered Trademark- Objective: a high level of current income IDS Life, investment WDEI3 Variable Portfolio - and, as a secondary goal, steady growth manager; AEFC, investment Diversified Equity Income of capital. Invests primarily in advisor. Fund dividend-paying common and preferred stocks. ------------------------------------------------------------------------------------------------------------------------- SEXI1 AXP-Registered Trademark- Objective: high current income, with IDS Life, investment WEXI3 Variable Portfolio - Extra capital growth as a secondary objective. manager; AEFC, investment Income Fund Invests primarily in high-yielding, advisor. high-risk corporate bonds issued by U.S. and foreign companies and governments. ------------------------------------------------------------------------------------------------------------------------- SFDI1 AXP-Registered Trademark- Objective: a high level of current income IDS Life, investment WFDI3 Variable Portfolio - Federal and safety of principal consistent with manager; AEFC, investment Income Fund an investment in U.S. government and advisor. government agency securities. Invests primarily in debt obligations issued or guaranteed as to principal and interest by the U.S. government, its agencies or instrumentalities. ------------------------------------------------------------------------------------------------------------------------- SGRO1 AXP-Registered Trademark- Objective: long-term capital growth. IDS Life, investment SGRO2 Variable Portfolio - Growth Invests primarily in common stocks and manager; AEFC, investment Fund securities convertible into common stocks advisor. that appear to offer growth opportunities. ------------------------------------------------------------------------------------------------------------------------- SMGD1 AXP-Registered Trademark- Objective: maximum total investment IDS Life, investment SMGD2 Variable Portfolio - Managed return through a combination of capital manager; AEFC, investment Fund growth and current income. Invests advisor. primarily in a combination of common and preferred stocks, convertible securities, bonds and other debt securities. -------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------------------------------------------------------------------------------------------------------------------- SNDM1 AXP-Registered Trademark- Objective: long-term growth of capital. IDS Life, investment WNDM3 Variable Portfolio - New Invests primarily in common stocks of manager; AEFC, investment Dimensions Fund-Registered U.S. and foreign companies showing advisor. Trademark- potential for significant growth. ------------------------------------------------------------------------------------------------------------------------- SSCA1 AXP-Registered Trademark- Objective: long-term capital growth. IDS Life, investment WSCA3 Variable Portfolio - Small Invests primarily in equity stocks of manager; AEFC, investment Cap Advantage Fund small companies that are often included advisor; Kenwood Capital in the S&P SmallCap 600 Index or the Management LLC, Russell 2000 Index. sub-investment advisor. ------------------------------------------------------------------------------------------------------------------------- SCAP1 AIM V.I. Capital Objective: growth of capital. Invests A I M Advisors, Inc. WCAP3 Appreciation Fund mainly in common stocks of companies likely to benefit from new or innovative products, services or processes as well as those with above-average growth and excellent prospects for future growth. ------------------------------------------------------------------------------------------------------------------------- SCDV1 AIM V.I. Capital Objective: long term growth of capital. A I M Advisors, Inc. SCDV2 Development Fund Invests primarily in securities (including common stocks, convertible securities and bonds) of small- and medium-sized companies. ------------------------------------------------------------------------------------------------------------------------- SVAL1 AIM V.I. Value Fund Objective: long-term growth of capital A I M Advisors, Inc. WVAL3 with income as a secondary objective. Invests primarily in equity securities judged to be undervalued relative to the investment advisor's appraisal of the current or projected earnings of the companies issuing the securities, or relative to current market values of assets owned by the companies issuing the securities, or relative to the equity market generally. ------------------------------------------------------------------------------------------------------------------------- SPGR1 Alliance VP Premier Growth Objective: growth of capital by pursuing Alliance Capital SPGR2 Portfolio (Class B) aggressive investment policies. Invests Management, L.P. primarily in equity securities of a limited number of large, carefully selected, high-quality U.S. companies that are judged likely to achieve superior earnings growth. ------------------------------------------------------------------------------------------------------------------------- STEC1 Alliance VP Technology Objective: growth of capital. Current Alliance Capital STEC2 Portfolio (Class B) income is only an incidental Management, L.P. consideration. Invests primarily in securities of companies expected to benefit from technological advances and improvements. ------------------------------------------------------------------------------------------------------------------------- SUGH1 Alliance VP U.S. Government/ Objective: high level of current income Alliance Capital SUGH2 High Grade Securities consistent with preservation of capital. Management, L.P. Portfolio (Class B) Invests primarily in (1) U.S. Government securities and (2) other high-grade debt securities or, if unrated, of equivalent quality. ------------------------------------------------------------------------------------------------------------------------- SCAS1 Baron Capital Asset Fund - Objective: capital appreciation. Invests BAMCO, Inc. SCAS2 Insurance Shares primarily in securities of small and medium sized companies with undervalued assets or favorable growth prospects. -------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------------------------------------------------------------------------------------------------------------------- SEGR1 Credit Suisse Warburg Pincus Objective: maximum capital appreciation. Credit Suisse Asset SEGR2 Trust - Emerging Growth Invests in U.S. equity securities Management, LLC Portfolio (previously emerging-growth companies with growth Warburg Pincus Trust - characteristics such as positive earnings Emerging Growth Portfolio) and potential for accelerated growth. ------------------------------------------------------------------------------------------------------------------------- SGRI1 Fidelity VIP III Growth & Objective: high total return through a Fidelity Management & SGRI2 Income Portfolio (Service combination of current income and capital Research Company (FMR), Class) appreciation. Invests primarily in common investment manager; FMR stocks with a focus on those that pay U.K. and FMR Far East, current dividends and show potential for sub-investment advisors. capital appreciation. ------------------------------------------------------------------------------------------------------------------------- SMDC1 Fidelity VIP III Mid Cap Objective: long-term growth of capital. FMR, investment manager; SMDC2 Portfolio (Service Class) Invests primarily in medium market FMR U.K. and FMR Far East, capitalization common stocks. sub-investment advisors. ------------------------------------------------------------------------------------------------------------------------- SOVS1 Fidelity VIP Overseas Objective: long-term growth of capital. FMR, investment manager; SOVS2 Portfolio (Service Class) Invests primarily in common stocks of FMR U.K., FMR Far East, foreign securities. Fidelity International Investment Advisors (FIIA) and FIIA U.K., sub-investment advisors. ------------------------------------------------------------------------------------------------------------------------- SRES1 FTVIPT Franklin Real Estate Objective: capital appreciation with a Franklin Advisers, Inc. WRES3 Fund - Class 2 secondary goal to earn current income. Invests primarily in securities of companies operating in the real estate industry, primarily equity real estate investment trusts (REITS). ------------------------------------------------------------------------------------------------------------------------- SMSS1 FTVIPT Mutual Shares Objective: capital appreciation with Franklin Mutual Advisers, WMSS3 Securities Fund - Class 2 income as a secondary goal. Invests LLC primarily in equity securities of companies that the manager believes are available at market prices less than their value based on certain recognized or objective criteria (intrinsic value). ------------------------------------------------------------------------------------------------------------------------- SISC1 FTVIPT Templeton Objective: long-term capital Templeton Investment SISC2 International Smaller appreciation. Invests primarily in equity Counsel, LLC Companies Fund - Class 2 securities of smaller companies located outside the U.S., including those in emerging markets. ------------------------------------------------------------------------------------------------------------------------- SCGR1 Goldman Sachs VIT Capital Objective: seeks long-term growth of Goldman Sachs Asset SCGR2 Growth Fund capital by investing in a diversified Management portfolio of equity securities that are considered by the investment adviser to have long-term capital appreciation potential. ------------------------------------------------------------------------------------------------------------------------- SUSE1 Goldman Sachs VIT CORE-SM- Objective: seeks long-term growth of Goldman Sachs Asset WUSE3 U.S. Equity Fund capital and dividend income. Invests Management primarily in a broadly diversified portfolio of large-cap and blue chip equity securities representing all major sectors of the U.S. economy. -------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------------------------------------------------------------------------------------------------------------------- SGLI1 Goldman Sachs VIT Global Objective: seeks high total return, Goldman Sachs Asset WGLI3 Income Fund emphasizing current income, and, to a Management International lesser extent, providing opportunities for capital appreciation. Invests primarily in a portfolio of high quality fixed-income securities of U.S. and foreign issuers and enters into transactions in foreign currencies. ------------------------------------------------------------------------------------------------------------------------- SIEQ1 Goldman Sachs VIT Objective: seeks long-term capital Goldman Sachs Asset SIEQ2 International Equity Fund appreciation. Invests primarily in equity Management International securities of companies that are organized outside the U.S., or whose securities are principally traded outside the U.S. ------------------------------------------------------------------------------------------------------------------------- SITO1 Goldman Sachs VIT Internet Objective: seeks long-term growth of Goldman Sachs Asset SITO2 Tollkeeper Fund-SM- capital. Invests primarily in equity Management securities of companies the investment adviser believes will benefit from the growth of the Internet by providing access, infrastructure, content and services to Internet companies and customers. ------------------------------------------------------------------------------------------------------------------------- SAGP1 Janus Aspen Series Objective: long-term growth of capital. Janus Capital SAGP2 Aggressive Growth Non-diversified mutual fund that Portfolio: Service Shares primarily invests in common stocks selected for their growth potential and normally invests at least 50% of its equity assets in medium-sized companies. ------------------------------------------------------------------------------------------------------------------------- SGLT1 Janus Aspen Series Global Objective: long-term growth of capital. Janus Capital SGLT2 Technology Portfolio: Non-diversified mutual fund that Service Shares primarily invests in equity securities of U.S. and foreign companies selected for their growth potential. Normally invests at least 65% of assets in securities of companies that the manager believes will benefit significantly from advancements or improvements in technology. ------------------------------------------------------------------------------------------------------------------------- SGRP1 Janus Aspen Series Growth Objective: long-term growth of capital in Janus Capital SGRP2 Portfolio: Service Shares a manner consistent with the preservation of capital. Invests primarily in common stocks selected for their growth potential. ------------------------------------------------------------------------------------------------------------------------- SINT1 Janus Aspen Series Objective: long-term growth of capital. Janus Capital SINT2 International Growth Invests at least 65% of its total assets Portfolio: in securities of issuers from at least Service Shares five different countries, excluding the U.S. It may at times invest all of its assets in fewer than five countries or even a single country. ------------------------------------------------------------------------------------------------------------------------- SUDE1 J.P. Morgan U.S. Disciplined Objective: seeks to provide a high total J.P. Morgan SUDE2 Equity Portfolio return from a portfolio of selected equity securities. The portfolio invests primarily in large and medium capitalization U.S. companies. The portfolio is designed for investors who want an actively managed portfolio of selected equity securities that seeks to outperform the S&P 500 Index. -------------------------------------------------------------------------------------------------------------------------

------------------------------------------------------------------------------------------------------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ------------------------------------------------------------------------------------------------------------------------- SREQ1 Lazard Retirement Equity Objective: long-term capital Lazard Asset Management SREQ2 Portfolio appreciation. Invests primarily in equity securities, principally common stocks, of relatively large U.S. companies with market capitalizations in the range of the S&P 500-Registered Trademark- Index that the Investment Manager believes are undervalued based on their earnings, cash flow or asset values. ------------------------------------------------------------------------------------------------------------------------- SRIE1 Lazard Retirement Objective: long-term capital Lazard Asset Management SRIE2 International Equity appreciation. Invests primarily in equity Portfolio securities, principally common stocks, of relatively large non-U.S. companies with market capitalizations in the range of the Morgan Stanley Capital International (MSCI) Europe, Australia and Far East (EAFE-Registered Trademark-) Index that the Investment Manager believes are undervalued based on their earnings, cash flow or asset values. ------------------------------------------------------------------------------------------------------------------------- SNDS1 MFS-Registered Trademark- Objective: capital appreciation. Invests MFS Investment SNDS2 New Discovery Series - primarily in equity securities of Management-Registered Initial Class emerging growth companies. Trademark- ------------------------------------------------------------------------------------------------------------------------- SRSS1 MFS-Registered Trademark- Objective: long-term growth of capital MFS Investment SRSS2 Research Series - Initial and future income. Invests primarily in Management-Registered Class common stocks and related securities that Trademark- have favorable prospects for long-term growth, attractive valuations based on current and expected earnings or cash flow, dominant or growing market share, and superior management. ------------------------------------------------------------------------------------------------------------------------- SUTS1 MFS-Registered Trademark- Objective: capital growth and current MFS Investment WUTS3 Utilities Series - Initial income. Invests primarily in equity and Management-Registered Class debt securities of domestic and foreign Trademark- companies in the utilities industry. ------------------------------------------------------------------------------------------------------------------------- SMCC1 Royce Micro-Cap Portfolio Objective: long-term growth of capital. Royce & Associates, Inc. SMCC2 Invests primarily in a broadly diversified portfolio of equity securities issued by micro-cap companies (companies with stock market capitalizations below $300 million). ------------------------------------------------------------------------------------------------------------------------- SPRM1 Royce Small-Cap Portfolio Objective: long-term growth of capital Royce & Associates, Inc. SPRM2 (previously Royce Premium with current income as a secondary Portfolio) objective. Invests primarily in a limited number of equity securities issued by small companies with stock market capitalization between $300 million and $1.5 billion. ------------------------------------------------------------------------------------------------------------------------- SVLU1 Third Avenue Value Portfolio Objective: long-term capital EQSF Advisers, Inc. SVLU2 appreciation. Invests primarily in common stocks of well financed, well managed companies at a substantial discount to what the Adviser believes is their true value. -------------------------------------------------------------------------------------------------------------------------

IF TOTAL NET PAYMENTS* MADE DURING THEN THE PURCHASE PAYMENT THE LIFE OF THE CONTRACT EQUALS... CREDIT PERCENTAGE EQUALS... $25,000 to less than $100,000 3% $100,000 to less than $1 million 4 $1 million and over 5

YEARS FROM PURCHASE WITHDRAWAL CHARGE PAYMENT RECEIPT PERCENTAGE 1 8% 2 8 3 8 4 8 5 7 6 6 7 6 8 4 9 2 Thereafter 0

By investing an equal number NUMBER of dollars each month ... AMOUNT ACCUMULATION OF UNITS MONTH INVESTED UNIT VALUE PURCHASED Jan $100 $20 5.00 you automatically buy Feb 100 18 5.56 more units when the Mar 100 17 5.88 per unit market price is low ... ---------> Apr 100 15 6.67 May 100 16 6.25 Jun 100 18 5.56 Jul 100 17 5.88 and fewer units when the Aug 100 19 5.26 per unit market price is high. ---------> Sept 100 21 4.76 Oct 100 20 5.00

CONTRACT PURCHASE PAYMENTS AND GMIB ANNIVERSARY CONTRACT VALUE PURCHASE PAYMENT CREDIT 6% RISING FLOOR BENEFIT BASE 1 $112,000 $104,000 $110,240 2 130,000 104,000 116,854 3 137,000 104,000 123,866 4 156,000 104,000 131,298 5 88,000 104,000 139,175 6 125,000 104,000 147,526 7 144,000 104,000 156,378 $156,378 8 158,000 104,000 165,760 165,760 9 145,000 104,000 175,706 175,706 10 133,000 104,000 186,248 186,248 11 146,000 104,000 197,423 197,423 12 153,000 104,000 209,268 209,268 13 225,000 104,000 221,825 225,000 14 245,000 104,000 235,134 245,000 15 250,000 104,000 249,242 250,000

MINIMUM GUARANTEED MONTHLY INCOME CONTRACT PLAN A - PLAN B - PLAN D - JOINT AND ANNIVERSARY GMIB LIFE ANNUITY-- LIFE ANNUITY WITH LAST SURVIVOR LIFE AT EXERCISE BENEFIT BASE NO REFUND TEN YEARS CERTAIN ANNUITY-- NO REFUND 10 $186,248 (6% Rising Floor) $ 916.34 $ 892.13 $ 722.64 15 250,000 (Contract Value) 1,420.00 1,352.50 1,085.00

CONTRACT PLAN A - PLAN B - PLAN D - JOINT AND ANNIVERSARY LIFE ANNUITY-- LIFE ANNUITY WITH LAST SURVIVOR LIFE AT EXERCISE CONTRACT VALUE NO REFUND TEN YEARS CERTAIN ANNUITY-- NO REFUND 10 $133,000 $ 692.93 $ 674.31 $ 551.95 15 250,000 1,490.00 1,420.00 1,152.50

THREE MONTHS ENDED YEARS ENDED DEC. 31, (THOUSANDS) March 31, 2001 March 31, 2000 2000 1999 1998 1997 1996 ------------------------------------------------------------------------------------------------------------------------------------ Net investment income $ 69,460 $ 77,586 $ 299,759 $ 322,746 $ 340,219 $ 332,268 $ 271,719 Net loss on investments (18,542) (2,425) 469 6,565 (4,788) (509) (5,258) Other 3,765 2,289 12,248 8,338 7,662 6,329 5,753 Total revenues $ 54,863 $ 77,450 $ 312,476 $ 337,649 $ 343,093 $ 338,088 $ 272,214 Income before income taxes $ (11,624) $ 9,978 $ 38,452 $ 50,662 $ 36,421 $ 44,958 $ 35,735 Net income $ (7,637) $ 6,332 $ 24,365 $ 33,987 $ 22,026 $ 28,313 $ 22,823 Total assets $4,617,668 $4,532,394 $4,652,221 $4,603,343 $4,885,621 $4,973,413 $4,425,837 ------------------------------------------------------------------------------------------------------------------------------------

TABLE OF CONTENTS KEY TERMS 3 THE CONTRACT IN BRIEF 4 EXPENSE SUMMARY 6 CONDENSED FINANCIAL INFORMATION (UNAUDITED) 19 FINANCIAL STATEMENTS 24 PERFORMANCE INFORMATION 25 THE VARIABLE ACCOUNT AND THE FUNDS 26 THE FIXED ACCOUNTS 31 BUYING YOUR CONTRACT 34 CHARGES 36 VALUING YOUR INVESTMENT 40 MAKING THE MOST OF YOUR CONTRACT 41 WITHDRAWALS 44 CHANGING OWNERSHIP 44 BENEFITS IN CASE OF DEATH 45 OPTIONAL BENEFITS 46 THE ANNUITY PAYOUT PERIOD 54 TAXES 56 VOTING RIGHTS 57 SUBSTITUTION OF INVESTMENTS 58 ABOUT THE SERVICE PROVIDERS 58 ADDITIONAL INFORMATION ABOUT AMERICAN ENTERPRISE LIFE 59 DIRECTORS AND EXECUTIVE OFFICERS 63 EXPERTS 64 AMERICAN ENTERPRISE LIFE INSURANCE COMPANY FINANCIAL INFORMATION 65 TABLE OF CONTENTS OF THE STATEMENT OF ADDITIONAL INFORMATION 82

SIX-YEAR SCHEDULE EIGHT-YEAR SCHEDULE YEARS FROM PURCHASE WITHDRAWAL CHARGE YEARS FROM PURCHASE WITHDRAWAL CHARGE PAYMENT RECEIPT PERCENTAGE PAYMENT RECEIPT PERCENTAGE 1 8% 1 8% 2 8 2 8 3 8 3 8 4 6 4 8 5 4 5 8 6 2 6 6 Thereafter 0 7 4 8 2 Thereafter 0

SIX-YEAR WITHDRAWAL EIGHT-YEAR WITHDRAWAL CHARGE SCHEDULE CHARGE SCHEDULE VARIABLE ACCOUNT ADMINISTRATIVE CHARGE: 0.15% 0.15% MORTALITY AND EXPENSE RISK FEE: 1.35 1.10 ENHANCED DEATH BENEFIT RIDER (EDB) FEE: 0.20 0.20 (As part of the mortality and expense risk fee. This is an optional expense.) TOTAL ANNUAL VARIABLE ACCOUNT EXPENSES WITHOUT THE OPTIONAL EDB FEE: 1.50% 1.25% TOTAL ANNUAL VARIABLE ACCOUNT EXPENSES WITH THE OPTIONAL EDB FEE: 1.70% 1.45%

MANAGEMENT 12b-1 OTHER FEES FEES EXPENSES TOTAL AXP-Registered Trademark- Variable Portfolio - Blue Chip Advantage Fund .56% .13% .26% .95%(1) Capital Resource Fund .60 .13 .04 .77(2) Diversified Equity Income Fund .56 .13 .26 .95(1) Extra Income Fund .62 .13 .07 .82(2) Federal Income Fund .61 .13 .13 .87(1) New Dimensions Fund-Registered Trademark- .60 .13 .05 .78(2) Small Cap Advantage Fund .75 .13 .31 1.19(1) AIM V.I. Capital Appreciation Fund .61 -- .21 .82(3) Value Fund .61 -- .23 .84(3) Dreyfus The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class .75 -- .03 .78(4) Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) .57 .25 .61 1.43(5) High Income Portfolio (Service Class 2) .58 .25 .18 1.01(3) Mid Cap Portfolio (Service Class 2) .57 .25 .17 .99(6) Franklin Templeton VIP Trust Franklin Income Securities Fund - Class 2 .49 .25 .01 .75(7),(8) Franklin Real Estate Fund - Class 2 .58 .25 .02 .85(7),(8) Franklin Small Cap Fund - Class 2 .49 .25 .28 1.02(8),(9),(10) Mutual Shares Securities Fund - Class 2 .60 .25 .20 1.05(8) Goldman Sachs VIT CORE-SM- U.S. Equity Fund .70 -- .20 .90(11) Global Income Fund .90 -- .25 1.15(11) Internet Tollkeeper Fund-SM- 1.00 -- .25 1.25(11) Mid Cap Value Fund .80 -- .25 1.05(11)

MANAGEMENT 12b-1 OTHER FEES FEES EXPENSES TOTAL MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) .75% --% .12% .87%(12) Utilities Series - Initial Class .75 -- .16 .91(12) Putnam Variable Trust Putnam VT International Growth Fund - Class IB Shares .76 .25 .18 1.19(13) Putnam VT Vista Fund - Class IB Shares .60 .25 .07 .92(13) Wells Fargo VT Asset Allocation Fund .57 .25 .18 1.00(14) Corporate Bond Fund .25 .25 .40 .90(14) Equity Income Fund .53 .25 .22 1.00(14) Equity Value Fund .15 .25 .60 1.00(14) Growth Fund .47 .25 .28 1.00(14) International Equity Fund .15 .25 .60 1.00(14) Large Company Growth Fund .27 .25 .48 1.00(14) Money Market Fund .50 -- .35 .85(14) Small Cap Growth Fund .15 .25 .80 1.20(14)

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Blue Chip Advantage Fund base contract with no optional riders $105.36 $157.97 $173.20 $283.63 $25.36 $77.97 $133.20 $283.63 optional Benefit Protector 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional Benefit Protector Plus 109.46 170.20 193.47 323.36 29.46 90.20 153.47 323.36 optional EDB 107.41 164.10 183.38 303.70 27.41 84.10 143.38 303.70 optional GMIB and EDB 110.56 173.76 199.85 338.60 30.56 93.76 159.85 338.60 AXP-Registered Trademark- VP - Capital Resource Fund base contract with no optional riders 103.51 152.43 163.96 265.23 23.51 72.43 123.96 265.23 optional Benefit Protector 106.08 160.11 176.77 290.70 26.08 80.11 136.77 290.70 optional Benefit Protector Plus 107.61 164.71 184.39 305.68 27.61 84.71 144.39 305.68 optional EDB 105.56 158.58 174.22 285.66 25.56 78.58 134.22 285.66 optional GMIB and EDB 108.71 168.26 190.76 320.86 28.71 88.26 150.76 320.86 AXP-Registered Trademark- VP - Diversified Equity Income Fund base contract with no optional riders 105.36 157.97 173.20 283.63 25.36 77.97 133.20 283.63 optional Benefit Protector 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional Benefit Protector Plus 109.46 170.20 193.47 323.36 29.46 90.20 153.47 323.36 optional EDB 107.41 164.10 183.38 303.70 27.41 84.10 143.38 303.70 optional GMIB and EDB 110.56 173.76 199.85 338.60 30.56 93.76 159.85 338.60 AXP-Registered Trademark- VP - Extra Income Fund base contract with no optional riders 104.03 153.97 166.53 270.38 24.03 73.97 126.53 270.38 optional Benefit Protector 106.59 161.65 179.31 295.72 26.59 81.65 139.31 295.72 optional Benefit Protector Plus 108.13 166.24 186.92 310.62 28.13 86.24 146.92 310.62 optional EDB 106.08 160.11 176.77 290.70 26.08 80.11 136.77 290.70 optional GMIB and EDB 109.23 169.79 193.29 325.82 29.23 89.79 153.29 325.82 AXP-Registered Trademark- VP - Federal Income Fund base contract with no optional riders 104.54 155.51 169.10 275.50 24.54 75.51 129.10 275.50 optional Benefit Protector 107.10 163.18 181.85 300.71 27.10 83.18 141.85 300.71 optional Benefit Protector Plus 108.64 167.76 189.44 315.54 28.64 87.76 149.44 315.54 optional EDB 106.59 161.65 179.31 295.72 26.59 81.65 139.31 295.72 optional GMIB and EDB 109.74 171.32 195.82 330.75 29.74 91.32 155.82 330.75 AXP VP - New Dimensions Fund-Registered Trademark- base contract with no optional riders 103.62 152.73 164.48 266.27 23.62 72.73 124.48 266.27 optional Benefit Protector 106.18 160.42 177.28 291.71 26.18 80.42 137.28 291.71 optional Benefit Protector Plus 107.72 165.01 184.90 306.67 27.72 85.01 144.90 306.67 optional EDB 105.67 158.89 174.73 286.67 25.67 78.89 134.73 286.67 optional GMIB and EDB 108.82 168.57 191.26 321.85 28.82 88.57 151.26 321.85

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Small Cap Advantage Fund base contract with no optional riders $107.82 $165.32 $185.40 $307.66 $27.82 $ 85.32 $145.40 $307.66 optional Benefit Protector 110.38 172.94 197.98 332.08 30.38 92.94 157.98 332.08 optional Benefit Protector Plus 111.92 177.50 205.47 346.45 31.92 97.50 165.47 346.45 optional EDB 109.87 171.42 195.48 327.25 29.87 91.42 155.48 327.25 optional GMIB and EDB 113.02 181.06 211.87 361.76 33.02 101.06 171.87 361.76 AIM V.I. Capital Appreciation Fund base contract with no optional riders 104.03 153.97 166.53 270.38 24.03 73.97 126.53 270.38 optional Benefit Protector 106.59 161.65 179.31 295.72 26.59 81.65 139.31 295.72 optional Benefit Protector Plus 108.13 166.24 186.92 310.62 28.13 86.24 146.92 310.62 optional EDB 106.08 160.11 176.77 290.70 26.08 80.11 136.77 290.70 optional GMIB and EDB 112.38 179.72 200.77 355.51 32.38 89.79 153.29 325.82 AIM V.I. Value Fund base contract with no optional riders 104.23 154.58 167.56 272.43 24.23 74.58 127.56 272.43 optional Benefit Protector 106.79 162.26 180.33 297.72 26.79 82.26 140.33 297.72 optional Benefit Protector Plus 108.33 166.85 187.93 312.59 28.33 86.85 147.93 312.59 optional EDB 106.28 160.73 177.79 292.71 26.28 80.73 137.79 292.71 optional GMIB and EDB 109.43 170.40 194.30 327.80 29.43 90.40 154.30 327.80 The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class base contract with no optional riders 103.62 152.73 164.48 266.27 23.62 72.73 124.48 266.27 optional Benefit Protector 106.18 160.42 177.28 291.71 26.18 80.42 137.28 291.71 optional Benefit Protector Plus 107.72 165.01 184.90 306.67 27.72 85.01 144.90 306.67 optional EDB 105.67 158.89 174.73 286.67 25.67 78.89 134.73 286.67 optional GMIB and EDB 108.82 168.57 191.26 321.85 28.82 88.57 151.26 321.85 Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) base contract with no optional riders 110.28 172.64 197.48 331.12 30.28 92.64 157.48 331.12 optional Benefit Protector 112.84 180.22 209.94 354.96 32.84 100.22 169.94 354.96 optional Benefit Protector Plus 114.38 184.76 217.35 368.99 34.38 104.76 177.35 368.99 optional EDB 112.33 178.71 207.46 350.24 32.33 98.71 167.46 350.24 optional GMIB and EDB 115.48 188.33 223.77 384.37 35.48 108.33 183.77 384.37 Fidelity VIP High Income Portfolio (Service Class 2) base contract with no optional riders 105.97 159.81 176.26 289.69 25.97 79.81 136.26 289.69 optional Benefit Protector 108.54 167.46 188.94 314.56 28.54 87.46 148.94 314.56 optional Benefit Protector Plus 110.07 172.03 196.48 329.19 30.07 92.03 156.48 329.19 optional EDB 108.02 165.93 186.41 309.64 28.02 85.93 146.41 309.64 optional GMIB and EDB 111.17 175.59 202.87 344.44 31.17 95.59 162.87 344.44 Fidelity VIP Mid Cap Portfolio (Service Class 2) base contract with no optional riders 105.77 159.19 175.24 287.68 25.77 79.19 135.24 287.68 optional Benefit Protector 108.33 166.85 187.93 312.59 28.33 86.85 147.93 312.59 optional Benefit Protector Plus 109.87 171.42 195.48 327.25 29.87 91.42 155.48 327.25 optional EDB 107.82 165.32 185.40 307.66 27.82 85.32 145.40 307.66 optional GMIB and EDB 110.97 174.98 201.87 342.50 30.97 94.98 161.87 342.50

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS FTVIPT Franklin Income Securities Fund - Class 2 base contract with no optional riders $103.31 $151.81 $162.93 $263.17 $23.31 $ 71.81 $122.93 $263.17 optional Benefit Protector 105.87 159.50 175.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 183.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 173.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 189.74 318.87 28.51 87.65 149.74 318.87 FTVIPT Franklin Real Estate Fund - Class 2 base contract with no optional riders 104.33 154.89 168.08 273.45 24.33 74.89 128.08 273.45 optional Benefit Protector 106.90 162.57 180.84 298.72 26.90 82.57 140.84 298.72 optional Benefit Protector Plus 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional EDB 106.38 161.03 178.30 293.71 26.38 81.03 138.30 293.71 optional GMIB and EDB 109.53 170.71 194.81 328.78 29.53 90.71 154.81 328.78 FTVIPT Franklin Small Cap Fund - Class 2 base contract with no optional riders 106.08 160.11 176.77 290.70 26.08 80.11 136.77 290.70 optional Benefit Protector 108.64 167.76 189.44 315.54 28.64 87.76 149.44 315.54 optional Benefit Protector Plus 110.18 172.33 196.98 330.15 30.18 92.33 156.98 330.15 optional EDB 108.13 166.24 186.92 310.62 28.13 86.24 146.92 310.62 optional GMIB and EDB 111.28 175.90 203.37 345.41 31.28 95.90 163.37 345.41 FTVIPT Mutual Shares Securities Fund - Class 2 base contract with no optional riders 106.38 161.03 178.30 293.71 26.38 81.03 138.30 293.71 optional Benefit Protector 108.95 168.68 190.95 318.48 28.95 88.68 150.95 318.48 optional Benefit Protector Plus 110.48 173.25 198.48 333.05 30.48 93.25 158.48 333.05 optional EDB 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional GMIB and EDB 111.58 176.81 204.88 348.32 31.58 96.81 164.88 348.32 Goldman Sachs VIT CORE-SM- U.S. Equity Fund base contract with no optional riders 104.85 156.43 170.64 278.56 24.85 76.43 130.64 278.56 optional Benefit Protector 107.41 164.10 183.38 303.70 27.41 84.10 143.38 303.70 optional Benefit Protector Plus 108.95 168.68 190.95 318.48 28.95 88.68 150.95 318.48 optional EDB 106.90 162.57 180.84 298.72 26.90 82.57 140.84 298.72 optional GMIB and EDB 110.05 172.24 197.33 333.70 30.05 92.24 157.33 333.70 Goldman Sachs VIT Global Income Fund base contract with no optional riders 107.41 164.10 183.38 303.70 27.41 84.10 143.38 303.70 optional Benefit Protector 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional Benefit Protector Plus 111.51 176.28 203.48 342.64 31.51 96.28 163.48 342.64 optional EDB 109.46 170.20 193.47 323.36 29.46 90.20 153.47 323.36 optional GMIB and EDB 112.61 179.85 209.88 357.94 32.61 99.85 169.88 357.94 Goldman Sachs VIT Internet Tollkeeper Fund-SM- base contract with no optional riders 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector 111.00 174.77 200.98 337.86 31.00 94.77 160.98 337.86 optional Benefit Protector Plus 112.53 179.32 208.45 352.13 32.53 99.32 168.45 352.13 optional EDB 110.48 173.25 198.48 333.05 30.48 93.25 158.48 333.05 optional GMIB and EDB 113.63 182.88 214.86 367.46 33.63 102.88 174.86 367.46

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS Goldman Sachs VIT Mid Cap Value Fund base contract with no optional riders $106.38 $161.03 $178.30 $293.71 $26.38 $ 81.03 $138.30 $293.71 optional Benefit Protector 108.95 168.68 190.95 318.48 28.95 88.68 150.95 318.48 optional Benefit Protector Plus 110.48 173.25 198.48 333.05 30.48 93.25 158.48 333.05 optional EDB 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional GMIB and EDB 111.58 176.81 204.88 348.32 31.58 96.81 164.88 348.32 MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) base contract with no optional riders 104.54 155.51 169.10 275.50 24.54 75.51 129.10 275.50 optional Benefit Protector 107.10 163.18 181.85 300.71 27.10 83.18 141.85 300.71 optional Benefit Protector Plus 108.64 167.76 189.44 315.54 28.64 87.76 149.44 315.54 optional EDB 106.59 161.65 179.31 295.72 26.59 81.65 139.31 295.72 optional GMIB and EDB 109.74 171.32 195.82 330.75 29.74 91.32 155.82 330.75 MFS-Registered Trademark- Utilities Series - Initial Class base contract with no optional riders 104.95 156.74 171.15 279.57 24.95 76.74 131.15 279.57 optional Benefit Protector 107.51 164.40 183.88 304.69 27.51 84.40 143.88 304.69 optional Benefit Protector Plus 109.05 168.98 191.46 319.46 29.05 88.98 151.46 319.46 optional EDB 107.00 162.87 181.35 299.72 27.00 82.87 141.35 299.72 optional GMIB and EDB 110.15 172.54 197.84 334.68 30.15 92.54 157.84 334.68 Putnam VT International Growth Fund - Class IB Shares base contract with no optional riders 107.82 165.32 185.40 307.66 27.82 85.32 145.40 307.66 optional Benefit Protector 110.38 172.94 197.98 332.08 30.38 92.94 157.98 332.08 optional Benefit Protector Plus 111.92 177.50 205.47 346.45 31.92 97.50 165.47 346.45 optional EDB 109.87 171.42 195.48 327.25 29.87 91.42 155.48 327.25 optional GMIB and EDB 113.02 181.06 211.87 361.76 33.02 101.06 171.87 361.76 Putnam VT Vista Fund - Class IB Shares base contract with no optional riders 105.05 157.04 171.66 280.59 25.05 77.04 131.66 280.59 optional Benefit Protector 107.61 164.71 184.39 305.68 27.61 84.71 144.39 305.68 optional Benefit Protector Plus 109.15 169.29 191.96 320.44 29.15 89.29 151.96 320.44 optional EDB 107.10 163.18 181.85 300.71 27.10 83.18 141.85 300.71 optional GMIB and EDB 110.25 172.85 198.34 335.66 30.25 92.85 158.34 335.66 Wells Fargo VT Asset Allocation Fund base contract with no optional riders 105.87 159.50 175.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 202.37 343.47 31.07 95.29 162.37 343.47 Wells Fargo VT Corporate Bond Fund base contract with no optional riders 104.85 156.43 170.64 278.56 24.85 76.43 130.64 278.56 optional Benefit Protector 107.41 164.10 183.38 303.70 27.41 84.10 143.38 303.70 optional Benefit Protector Plus 108.95 168.68 190.95 318.48 28.95 88.68 150.95 318.48 optional EDB 106.90 162.57 180.84 298.72 26.90 82.57 140.84 298.72 optional GMIB and EDB 110.05 172.24 197.33 333.70 30.05 92.24 157.33 333.70

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS Wells Fargo VT Equity Income Fund base contract with no optional riders $105.87 $159.50 $175.75 $288.69 $25.87 $ 79.50 $135.75 $288.69 optional Benefit Protector 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 202.37 343.47 31.07 95.29 162.37 343.47 Wells Fargo VT Equity Value Fund base contract with no optional riders 105.87 159.50 175.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 202.37 343.47 31.07 95.29 162.37 343.47 Wells Fargo VT Growth Fund base contract with no optional riders 105.87 159.50 175.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 202.37 343.47 31.07 95.29 162.37 343.47 Wells Fargo VT International Equity Fund base contract with no optional riders 105.87 159.50 175.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 202.37 343.47 31.07 95.29 162.37 343.47 Wells Fargo VT Large Company Growth Fund base contract with no optional riders 105.87 159.50 175.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 202.37 343.47 31.07 95.29 162.37 343.47 Wells Fargo VT Money Market Fund base contract with no optional riders 104.33 154.89 168.08 273.45 24.33 74.89 128.08 273.45 optional Benefit Protector 106.90 162.57 180.84 298.72 26.90 82.57 140.84 298.72 optional Benefit Protector Plus 108.43 167.15 188.43 313.58 28.43 87.15 148.43 313.58 optional EDB 106.38 161.03 178.30 293.71 26.38 81.03 138.30 293.71 optional GMIB and EDB 109.53 170.71 194.81 328.78 29.53 90.71 154.81 328.78 Wells Fargo VT Small Cap Growth Fund base contract with no optional riders 107.92 165.63 185.91 308.65 27.92 85.63 145.91 308.65 optional Benefit Protector 110.48 173.25 198.48 333.05 30.48 93.25 158.48 333.05 optional Benefit Protector Plus 112.02 177.80 205.97 347.40 32.02 97.80 165.97 347.40 optional EDB 109.97 171.73 195.98 328.22 29.97 91.73 155.98 328.22 optional GMIB and EDB 113.12 181.37 212.37 362.71 33.12 101.37 172.37 362.71

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Blue Chip Advantage Fund base contract with no optional riders $102.80 $150.27 $200.35 $257.99 $22.80 $70.27 $120.35 $257.99 optional Benefit Protector 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional Benefit Protector Plus 106.90 162.57 220.84 298.72 26.90 82.57 140.84 298.72 optional EDB 104.85 156.43 210.64 278.56 24.85 76.43 130.64 278.56 optional GMIB and EDB 108.00 166.12 227.20 313.87 28.00 86.12 147.20 313.87 AXP-Registered Trademark- VP - Capital Resource Fund base contract with no optional riders 100.95 144.70 191.02 239.13 20.95 64.70 111.02 239.13 optional Benefit Protector 103.51 152.43 203.96 265.23 23.51 72.43 123.96 265.23 optional Benefit Protector Plus 105.05 157.04 211.66 280.59 25.05 77.04 131.66 280.59 optional EDB 103.00 150.88 201.38 260.07 23.00 70.88 121.38 260.07 optional GMIB and EDB 106.15 160.59 218.01 295.68 26.15 80.59 138.01 295.68 AXP-Registered Trademark- VP - Diversified Equity Income Fund base contract with no optional riders 102.80 150.27 200.35 257.99 22.80 70.27 120.35 257.99 optional Benefit Protector 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional Benefit Protector Plus 106.90 162.57 220.84 298.72 26.90 82.57 140.84 298.72 optional EDB 104.85 156.43 210.64 278.56 24.85 76.43 130.64 278.56 optional GMIB and EDB 108.00 166.12 227.20 313.87 28.00 86.12 147.20 313.87 AXP-Registered Trademark- VP - Extra Income Fund base contract with no optional riders 101.46 146.25 193.62 244.40 21.46 66.25 113.62 244.40 optional Benefit Protector 104.03 153.97 206.53 270.38 24.03 73.97 126.53 270.38 optional Benefit Protector Plus 105.56 158.58 214.22 285.66 25.56 78.58 134.22 285.66 optional EDB 103.51 152.43 203.96 265.23 23.51 72.43 123.96 265.23 optional GMIB and EDB 106.66 162.13 220.57 300.77 26.66 82.13 140.57 300.77 AXP-Registered Trademark- VP - Federal Income Fund base contract with no optional riders 101.98 147.79 196.21 249.65 21.98 67.79 116.21 249.65 optional Benefit Protector 104.54 155.51 209.10 275.50 24.54 75.51 129.10 275.50 optional Benefit Protector Plus 106.08 160.11 216.77 290.70 26.08 80.11 136.77 290.70 optional EDB 104.03 153.97 206.53 270.38 24.03 73.97 126.53 270.38 optional GMIB and EDB 107.18 163.66 223.12 305.83 27.18 83.66 143.12 305.83 AXP VP - New Dimensions Fund-Registered Trademark- base contract with no optional riders 101.05 145.01 191.54 240.19 21.05 65.01 111.54 240.19 optional Benefit Protector 103.62 152.73 204.48 266.27 23.62 72.73 124.48 266.27 optional Benefit Protector Plus 105.15 157.35 212.17 281.61 25.15 77.35 132.17 281.61 optional EDB 103.10 151.19 201.90 261.10 23.10 71.19 121.90 261.10 optional GMIB and EDB 106.25 160.90 218.52 296.70 26.25 80.90 138.52 296.70 AXP-Registered Trademark- VP - Small Cap Advantage Fund base contract with no optional riders 105.26 157.66 212.69 282.62 25.26 77.66 132.69 282.62 optional Benefit Protector 107.82 165.32 225.40 307.66 27.82 85.32 145.40 307.66 optional Benefit Protector Plus 109.36 169.90 232.97 322.39 29.36 89.90 152.97 322.39 optional EDB 107.31 163.79 222.87 302.70 27.31 83.79 142.87 302.70 optional GMIB and EDB 110.46 173.46 239.35 337.62 30.46 93.46 159.35 337.62

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS AIM V.I. Capital Appreciation Fund base contract with no optional riders $101.46 $146.25 $193.62 $244.40 $21.46 $ 66.25 $113.62 $244.40 optional Benefit Protector 104.03 153.97 206.53 270.38 24.03 73.97 126.53 270.38 optional Benefit Protector Plus 105.56 158.58 214.22 285.66 25.56 78.58 134.22 285.66 optional EDB 103.51 152.43 203.96 265.23 23.51 72.43 123.96 265.23 optional GMIB and EDB 106.66 162.13 220.57 300.77 26.66 82.13 140.57 300.77 AIM V.I. Value Fund base contract with no optional riders 101.67 146.86 194.66 246.50 21.67 66.86 114.66 246.50 optional Benefit Protector 104.23 154.58 207.56 272.43 24.23 74.58 127.56 272.43 optional Benefit Protector Plus 105.77 159.19 215.24 287.68 25.77 79.19 135.24 287.68 optional EDB 103.72 153.04 204.99 267.30 23.72 73.04 124.99 267.30 optional GMIB and EDB 106.87 162.74 221.59 302.79 26.87 82.74 141.59 302.79 The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class base contract with no optional riders 101.05 145.01 191.54 240.19 21.05 65.01 111.54 240.19 optional Benefit Protector 103.62 152.73 204.48 266.27 23.62 72.73 124.48 266.27 optional Benefit Protector Plus 105.15 157.35 212.17 281.61 25.15 77.35 132.17 281.61 optional EDB 103.10 151.19 201.90 261.10 23.10 71.19 121.90 261.10 optional GMIB and EDB 106.25 160.90 218.52 296.70 26.25 80.90 138.52 296.70 Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) base contract with no optional riders 107.72 165.01 224.90 306.67 27.72 85.01 144.90 306.67 optional Benefit Protector 110.28 172.64 237.48 331.12 30.28 92.64 157.48 331.12 optional Benefit Protector Plus 111.82 177.19 244.97 345.50 31.82 97.19 164.97 345.50 optional EDB 109.77 171.12 234.98 326.28 29.77 91.12 154.98 326.28 optional GMIB and EDB 112.92 180.76 251.38 360.81 32.92 100.76 171.38 360.81 Fidelity VIP High Income Portfolio (Service Class 2) base contract with no optional riders 103.41 152.12 203.45 264.20 23.41 72.12 123.45 264.20 optional Benefit Protector 105.97 159.81 216.26 289.69 25.97 79.81 136.26 289.69 optional Benefit Protector Plus 107.51 164.40 223.88 304.69 27.51 84.40 143.88 304.69 optional EDB 105.46 158.27 213.71 284.65 25.46 78.27 133.71 284.65 optional GMIB and EDB 108.61 167.96 230.25 319.86 28.61 87.96 150.25 319.86 Fidelity VIP Mid Cap Portfolio (Service Class 2) base contract with no optional riders 103.21 151.50 202.42 262.14 23.21 71.50 122.42 262.14 optional Benefit Protector 105.77 159.19 215.24 287.68 25.77 79.19 135.24 287.68 optional Benefit Protector Plus 107.31 163.79 222.87 302.70 27.31 83.79 142.87 302.70 optional EDB 105.26 157.66 212.69 282.62 25.26 77.66 132.69 282.62 optional GMIB and EDB 108.41 167.34 229.23 317.87 28.41 87.34 149.23 317.87 FTVIPT Franklin Income Securities Fund - Class 2 base contract with no optional riders 100.75 144.08 189.98 237.01 20.75 64.08 109.98 237.01 optional Benefit Protector 103.31 151.81 202.93 263.17 23.31 71.81 122.93 263.17 optional Benefit Protector Plus 104.85 156.43 210.64 278.56 24.85 76.43 130.64 278.56 optional EDB 102.80 150.27 200.35 257.99 22.80 70.27 120.35 257.99 optional GMIB and EDB 105.95 159.97 216.98 293.64 25.95 79.97 136.98 293.64

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS FTVIPT Franklin Real Estate Fund - Class 2 base contract with no optional riders $101.77 $147.17 $195.18 $247.55 $21.77 $67.17 $115.18 $247.55 optional Benefit Protector 104.33 154.89 208.08 273.45 24.33 74.89 128.08 273.45 optional Benefit Protector Plus 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional EDB 103.82 153.35 205.51 268.32 23.82 73.35 125.51 268.32 optional GMIB and EDB 106.97 163.05 222.10 303.81 26.97 83.05 142.10 303.81 FTVIPT Franklin Small Cap Fund - Class 2 base contract with no optional riders 103.51 152.43 203.96 265.23 23.51 72.43 123.96 265.23 optional Benefit Protector 106.08 160.11 216.77 290.70 26.08 80.11 136.77 290.70 optional Benefit Protector Plus 107.61 164.71 224.39 305.68 27.61 84.71 144.39 305.68 optional EDB 105.56 158.58 214.22 285.66 25.56 78.58 134.22 285.66 optional GMIB and EDB 108.71 168.26 230.76 320.86 28.71 88.26 150.76 320.86 FTVIPT Mutual Shares Securities Fund - Class 2 base contract with no optional riders 103.82 153.35 205.51 268.32 23.82 73.35 125.51 268.32 optional Benefit Protector 106.38 161.03 218.30 293.71 26.38 81.03 138.30 293.71 optional Benefit Protector Plus 107.92 165.63 225.91 308.65 27.92 85.63 145.91 308.65 optional EDB 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional GMIB and EDB 109.02 169.18 232.28 323.84 29.02 89.18 152.28 323.84 Goldman Sachs VIT CORE-SM- U.S. Equity Fund base contract with no optional riders 102.28 148.72 197.77 252.79 22.28 68.72 117.77 252.79 optional Benefit Protector 104.85 156.43 210.64 278.56 24.85 76.43 130.64 278.56 optional Benefit Protector Plus 106.38 161.03 218.30 293.71 26.38 81.03 138.30 293.71 optional EDB 104.33 154.89 208.08 273.45 24.33 74.89 128.08 273.45 optional GMIB and EDB 107.48 164.58 224.65 308.85 27.48 84.58 144.65 308.85 Goldman Sachs VIT Global Income Fund base contract with no optional riders 104.85 156.43 210.64 278.56 24.85 76.43 130.64 278.56 optional Benefit Protector 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional Benefit Protector Plus 108.95 168.68 230.95 318.48 28.95 88.68 150.95 318.48 optional EDB 106.90 162.57 220.84 298.72 26.90 82.57 140.84 298.72 optional GMIB and EDB 110.05 172.24 237.33 333.70 30.05 92.24 157.33 333.70 Goldman Sachs VIT Internet Tollkeeper Fund-SM- base contract with no optional riders 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector 108.43 167.15 228.43 313.58 28.43 87.15 148.43 313.58 optional Benefit Protector Plus 109.97 171.73 235.98 328.22 29.97 91.73 155.98 328.22 optional EDB 107.92 165.63 225.91 308.65 27.92 85.63 145.91 308.65 optional GMIB and EDB 111.07 175.29 242.37 343.47 31.07 95.29 162.37 343.47 Goldman Sachs VIT Mid Cap Value Fund base contract with no optional riders 103.82 153.35 205.51 268.32 23.82 73.35 125.51 268.32 optional Benefit Protector 106.38 161.03 218.30 293.71 26.38 81.03 138.30 293.71 optional Benefit Protector Plus 107.92 165.63 225.91 308.65 27.92 85.63 145.91 308.65 optional EDB 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional GMIB and EDB 109.02 169.18 232.28 323.84 29.02 89.18 152.28 323.84

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) base contract with no optional riders $101.98 $147.79 $196.21 $249.65 $21.98 $67.79 $116.21 $249.65 optional Benefit Protector 104.54 155.51 209.10 275.50 24.54 75.51 129.10 275.50 optional Benefit Protector Plus 106.08 160.11 216.77 290.70 26.08 80.11 136.77 290.70 optional EDB 104.03 153.97 206.53 270.38 24.03 73.97 126.53 270.38 optional GMIB and EDB 107.18 163.66 223.12 305.83 27.18 83.66 143.12 305.83 MFS-Registered Trademark- Utilities Series - Initial Class base contract with no optional riders 102.39 149.03 198.28 253.83 22.39 69.03 118.28 253.83 optional Benefit Protector 104.95 156.74 211.15 279.57 24.95 76.74 131.15 279.57 optional Benefit Protector Plus 106.49 161.34 218.81 294.72 26.49 81.34 138.81 294.72 optional EDB 104.44 155.20 208.59 274.48 24.44 75.20 128.59 274.48 optional GMIB and EDB 107.59 164.89 225.16 309.86 27.59 84.89 145.16 309.86 Putnam VT International Growth Fund - Class IB Shares base contract with no optional riders 105.26 157.66 212.69 282.62 25.26 77.66 132.69 282.62 optional Benefit Protector 107.82 165.32 225.40 307.66 27.82 85.32 145.40 307.66 optional Benefit Protector Plus 109.36 169.90 232.97 322.39 29.36 89.90 152.97 322.39 optional EDB 107.31 163.79 222.87 302.70 27.31 83.79 142.87 302.70 optional GMIB and EDB 110.46 173.46 239.35 337.62 30.46 93.46 159.35 337.62 Putnam VT Vista Fund - Class IB Shares base contract with no optional riders 102.49 149.34 198.80 254.87 22.49 69.34 118.80 254.87 optional Benefit Protector 105.05 157.04 211.66 280.59 25.05 77.04 131.66 280.59 optional Benefit Protector Plus 106.59 161.65 219.31 295.72 26.59 81.65 139.31 295.72 optional EDB 104.54 155.51 209.10 275.50 24.54 75.51 129.10 275.50 optional GMIB and EDB 107.69 165.20 225.67 310.86 27.69 85.20 145.67 310.86 Wells Fargo VT Asset Allocation Fund base contract with no optional riders 103.31 151.81 202.93 263.17 23.31 71.81 122.93 263.17 optional Benefit Protector 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 229.74 318.87 28.51 87.65 149.74 318.87 Wells Fargo VT Corporate Bond Fund base contract with no optional riders 102.28 148.72 197.77 252.79 22.28 68.72 117.77 252.79 optional Benefit Protector 104.85 156.43 210.64 278.56 24.85 76.43 130.64 278.56 optional Benefit Protector Plus 106.38 161.03 218.30 293.71 26.38 81.03 138.30 293.71 optional EDB 104.33 154.89 208.08 273.45 24.33 74.89 128.08 273.45 optional GMIB and EDB 107.48 164.58 224.65 308.85 27.48 84.58 144.65 308.85 Wells Fargo VT Equity Income Fund base contract with no optional riders 103.31 151.81 202.93 263.17 23.31 71.81 122.93 263.17 optional Benefit Protector 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 229.74 318.87 28.51 87.65 149.74 318.87

A TOTAL WITHDRAWAL AT THE NO WITHDRAWAL OR SELECTION OF AN ANNUITY END OF EACH TIME PERIOD PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS 1 YEAR 3 YEARS 5 YEARS 10 YEARS Wells Fargo VT Equity Value Fund base contract with no optional riders $103.31 $151.81 $202.93 $263.17 $23.31 $71.81 $122.93 $263.17 optional Benefit Protector 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 229.74 318.87 28.51 87.65 149.74 318.87 Wells Fargo VT Growth Fund base contract with no optional riders 103.31 151.81 202.93 263.17 23.31 71.81 122.93 263.17 optional Benefit Protector 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 229.74 318.87 28.51 87.65 149.74 318.87 Wells Fargo VT International Equity Fund base contract with no optional riders 103.31 151.81 202.93 263.17 23.31 71.81 122.93 263.17 optional Benefit Protector 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 229.74 318.87 28.51 87.65 149.74 318.87 Wells Fargo VT Large Company Growth Fund base contract with no optional riders 103.31 151.81 202.93 263.17 23.31 71.81 122.93 263.17 optional Benefit Protector 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional Benefit Protector Plus 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional EDB 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional GMIB and EDB 108.51 167.65 229.74 318.87 28.51 87.65 149.74 318.87 Wells Fargo VT Money Market Fund base contract with no optional riders 101.77 147.17 195.18 247.55 21.77 67.17 115.18 247.55 optional Benefit Protector 104.33 154.89 208.08 273.45 24.33 74.89 128.08 273.45 optional Benefit Protector Plus 105.87 159.50 215.75 288.69 25.87 79.50 135.75 288.69 optional EDB 103.82 153.35 205.51 268.32 23.82 73.35 125.51 268.32 optional GMIB and EDB 106.97 163.05 222.10 303.81 26.97 83.05 142.10 303.81 Wells Fargo VT Small Cap Growth Fund base contract with no optional riders 105.36 157.97 213.20 283.63 25.36 77.97 133.20 283.63 optional Benefit Protector 107.92 165.63 225.91 308.65 27.92 85.63 145.91 308.65 optional Benefit Protector Plus 109.46 170.20 233.47 323.36 29.46 90.20 153.47 323.36 optional EDB 107.41 164.10 223.38 303.70 27.41 84.10 143.38 303.70 optional GMIB and EDB 110.56 173.76 239.85 338.60 30.56 93.76 159.85 338.60

YEAR ENDED DEC. 31, 2000 1999 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PBCA1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.09 $1.00 Accumulation unit value at end of period $0.96 $1.09 Number of accumulation units outstanding at end of period (000 omitted) 200 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WBCA1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.91 -- Number of accumulation units outstanding at end of period (000 omitted) 81 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAR1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.83 -- Number of accumulation units outstanding at end of period (000 omitted) -- -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAR6(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.83 -- Number of accumulation units outstanding at end of period (000 omitted) 104 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PDEI1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.02 $1.00 Accumulation unit value at end of period $1.00 $1.02 Number of accumulation units outstanding at end of period (000 omitted) 244 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WDEI1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.08 -- Number of accumulation units outstanding at end of period (000 omitted) 40 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PEXI1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.03 $1.00 Accumulation unit value at end of period $0.92 $1.03 Number of accumulation units outstanding at end of period (000 omitted) 278 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEXI1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.87 -- Number of accumulation units outstanding at end of period (000 omitted) 8 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WFDI1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.05 -- Number of accumulation units outstanding at end of period (000 omitted) 65 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WFDI6(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.06 -- Number of accumulation units outstanding at end of period (000 omitted) 183 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PNDM1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-REGISTERED TRADEMARK-) Accumulation unit value at beginning of period $1.15 $1.00 Accumulation unit value at end of period $1.03 $1.15 Number of accumulation units outstanding at end of period (000 omitted) 1,937 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WNDM1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-REGISTERED TRADEMARK-) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.86 -- Number of accumulation units outstanding at end of period (000 omitted) 198 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PSCA1(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.11 $1.00 Accumulation unit value at end of period $1.14 $1.11 Number of accumulation units outstanding at end of period (000 omitted) 85 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCA1(2) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.89 -- Number of accumulation units outstanding at end of period (000 omitted) 39 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PCAP1(1) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.26 $1.00 Accumulation unit value at end of period $1.11 $1.26 Number of accumulation units outstanding at end of period (000 omitted) 1,103 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAP1(2) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.75 -- Number of accumulation units outstanding at end of period (000 omitted) 208 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PVAL1(1) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.11 $1.00 Accumulation unit value at end of period $0.94 $1.11 Number of accumulation units outstanding at end of period (000 omitted) 4,769 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WVAL1(2) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.81 -- Number of accumulation units outstanding at end of period (000 omitted) 1,087 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSRG1(2) (INVESTING IN SHARES OF THE DREYFUS SOCIALLY RESPONSIBLE GROWTH FUND, INC. - INITIAL SHARE CLASS) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.90 -- Number of accumulation units outstanding at end of period (000 omitted) 364 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSRG6(2) (INVESTING IN SHARES OF THE DREYFUS SOCIALLY RESPONSIBLE GROWTH FUND, INC. - INITIAL SHARE CLASS) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.90 -- Number of accumulation units outstanding at end of period (000 omitted) 471 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WISE1(2) (INVESTING IN SHARES OF FTVIPT FRANKLIN INCOME SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.99 -- Number of accumulation units outstanding at end of period (000 omitted) 157 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WISE6(2) (INVESTING IN SHARES OF FTVIPT FRANKLIN INCOME SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.16 -- Number of accumulation units outstanding at end of period (000 omitted) 153 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WRES1(2) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.18 -- Number of accumulation units outstanding at end of period (000 omitted) 6 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WRES6(2) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.34 -- Number of accumulation units outstanding at end of period (000 omitted) 144 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PSMC1(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN SMALL CAP FUND - CLASS 2) Accumulation unit value at beginning of period $1.43 $1.00 Accumulation unit value at end of period $1.21 $1.43 Number of accumulation units outstanding at end of period (000 omitted) 855 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSMC1(2) (INVESTING IN SHARES OF FTVIPT FRANKLIN SMALL CAP FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.60 -- Number of accumulation units outstanding at end of period (000 omitted) 120 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMSS1(2) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.11 -- Number of accumulation units outstanding at end of period (000 omitted) 6 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMSS6(2) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.18 -- Number of accumulation units outstanding at end of period (000 omitted) 36 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUSE1(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.91 -- Number of accumulation units outstanding at end of period (000 omitted) 102 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUSE6(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.92 -- Number of accumulation units outstanding at end of period (000 omitted) 1,204 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGLI1(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.06 -- Number of accumulation units outstanding at end of period (000 omitted) 63 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGLI6(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.07 -- Number of accumulation units outstanding at end of period (000 omitted) 187 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WITO1(3) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.67 -- Number of accumulation units outstanding at end of period (000 omitted) 31 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WITO6(3) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.67 -- Number of accumulation units outstanding at end of period (000 omitted) 110 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMCV1(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT MID CAP VALUE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.41 -- Number of accumulation units outstanding at end of period (000 omitted) 60 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMCV6(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT MID CAP VALUE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.42 -- Number of accumulation units outstanding at end of period (000 omitted) 414 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PGIS1(1) (INVESTING IN SHARES OF MFS-Registered Trademark- INVESTORS TRUST SERIES - INITIAL CLASS(4)) Accumulation unit value at beginning of period $1.05 $1.00 Accumulation unit value at end of period $1.04 $1.05 Number of accumulation units outstanding at end of period (000 omitted) 295 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGIS1(2) (INVESTING IN SHARES OF MFS-Registered Trademark- INVESTORS TRUST SERIES - INITIAL CLASS(4)) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.02 -- Number of accumulation units outstanding at end of period (000 omitted) 15 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PUTS1(1) (INVESTING IN SHARES OF MFS-Registered Trademark- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.14 $1.00 Accumulation unit value at end of period $1.20 $1.14 Number of accumulation units outstanding at end of period (000 omitted) 1,109 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUTS1(2) (INVESTING IN SHARES OF MFS-Registered Trademark- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.85 -- Number of accumulation units outstanding at end of period (000 omitted) 171 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PIGR1(1) (INVESTING IN SHARES OF PUTNAM VT INTERNATIONAL GROWTH FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.29 $1.00 Accumulation unit value at end of period $1.15 $1.29 Number of accumulation units outstanding at end of period (000 omitted) 2,474 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIGR1(2) (INVESTING IN SHARES OF PUTNAM VT INTERNATIONAL GROWTH FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.75 -- Number of accumulation units outstanding at end of period (000 omitted) 708 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT PVIS1(1) (INVESTING IN SHARES OF PUTNAM VT VISTA FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.30 $1.00 Accumulation unit value at end of period $1.23 $1.30 Number of accumulation units outstanding at end of period (000 omitted) 1,798 -- Ratio of operating expense to average net assets 1.25% 1.25% ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WVIS1(2) (INVESTING IN SHARES OF PUTNAM VT VISTA FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.73 -- Number of accumulation units outstanding at end of period (000 omitted) 814 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WAAL1(2) (INVESTING IN SHARES OF WELLS FARGO VT ASSET ALLOCATION FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.98 -- Number of accumulation units outstanding at end of period (000 omitted) 480 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WAAL6(2) (INVESTING IN SHARES OF WELLS FARGO VT ASSET ALLOCATION FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.99 -- Number of accumulation units outstanding at end of period (000 omitted) 3,351 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCBD1(2) (INVESTING IN SHARES OF WELLS FARGO VT CORPORATE BOND FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.06 -- Number of accumulation units outstanding at end of period (000 omitted) 68 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCBD6(2) (INVESTING IN SHARES OF WELLS FARGO VT CORPORATE BOND FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.08 -- Number of accumulation units outstanding at end of period (000 omitted) 660 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQI1(2) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.12 -- Number of accumulation units outstanding at end of period (000 omitted) 104 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQI6(2) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.13 -- Number of accumulation units outstanding at end of period (000 omitted) 765 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQV1(2) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY VALUE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.09 -- Number of accumulation units outstanding at end of period (000 omitted) 136 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQV6(2) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY VALUE FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.09 -- Number of accumulation units outstanding at end of period (000 omitted) 36 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGRO1(2) (INVESTING IN SHARES OF WELLS FARGO VT GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.87 -- Number of accumulation units outstanding at end of period (000 omitted) 42 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGRO6(2) (INVESTING IN SHARES OF WELLS FARGO VT GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.87 -- Number of accumulation units outstanding at end of period (000 omitted) 340 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIEQ1(5) (INVESTING IN SHARES OF WELLS FARGO VT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.89 -- Number of accumulation units outstanding at end of period (000 omitted) 6 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIEQ6(5) (INVESTING IN SHARES OF WELLS FARGO VT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.89 -- Number of accumulation units outstanding at end of period (000 omitted) 88 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WLCG1(2) (INVESTING IN SHARES OF WELLS FARGO VT LARGE COMPANY GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.95 -- Number of accumulation units outstanding at end of period (000 omitted) 1,011 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WLCG6(2) (INVESTING IN SHARES OF WELLS FARGO VT LARGE COMPANY GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.95 -- Number of accumulation units outstanding at end of period (000 omitted) 5,711 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMMK1(2) (INVESTING IN SHARES OF WELLS FARGO VT MONEY MARKET FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.02 -- Number of accumulation units outstanding at end of period (000 omitted) 404 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMMK6(2) (INVESTING IN SHARES OF WELLS FARGO VT MONEY MARKET FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $1.04 -- Number of accumulation units outstanding at end of period (000 omitted) 1,717 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCG1(2) (INVESTING IN SHARES OF WELLS FARGO VT SMALL CAP GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.56 -- Number of accumulation units outstanding at end of period (000 omitted) 445 -- Ratio of operating expense to average net assets 1.70% -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCG6(2) (INVESTING IN SHARES OF WELLS FARGO VT SMALL CAP GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- Accumulation unit value at end of period $0.56 -- Number of accumulation units outstanding at end of period (000 omitted) 2,024 -- Ratio of operating expense to average net assets 1.25% -- ------------------------------------------------------------------------------------------------------------------------------------

---------------- ------------------------------ ------------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------------- ------------------------------ ------------------------------------------- ----------------------------- PBCA1 AXP-Registered Trademark- Objective: long-term total return IDS Life Insurance Company WBCA1 Variable Portfolio - Blue exceeding that of the U.S. stock market. (IDS Life), investment manager; WBCA3 Chip Advantage Fund Invests primarily in common stocks of American Express Financial WBCA4 companies included in the unmanaged S&P Corporation (AEFC), investment 500 Index. advisor. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WCAR1 AXP-Registered Trademark- Objective: capital appreciation. Invests IDS Life, investment WCAR3 Variable Portfolio - Capital primarily in U.S. common stocks and other manager; AEFC, investment WCAR4 Resource Fund securities convertible into common stocks. advisor. WCAR6 ---------------- ------------------------------ ------------------------------------------- ----------------------------- PDEI1 AXP-Registered Trademark- Objective: a high level of current income IDS Life, investment WDEI1 Variable Portfolio - and, as a secondary goal, steady growth manager; AEFC, investment WDEI3 Diversified Equity Income of capital. Invests primarily in advisor. WDEI4 Fund dividend-paying common and preferred stocks. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PEXI1 AXP-Registered Trademark- Objective: high current income, with IDS Life, investment WEXI1 Variable Portfolio - Extra capital growth as a secondary objective. manager; AEFC, investment WEXI3 Income Fund Invests primarily in high-yielding, advisor. WEXI4 high-risk corporate bonds issued by U.S. and foreign companies and governments. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WFDI1 AXP-Registered Trademark- Objective: a high level of current income IDS Life, investment WFDI3 Variable Portfolio - Federal and safety of principal consistent with manager; AEFC, investment WFDI4 Income Fund an investment in U.S. government and advisor. WFDI6 government agency securities. Invests primarily in debt obligations issued or guaranteed as to principal and interest by the U.S. government, its agencies or instrumentalities. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PNDM1 AXP-Registered Trademark- Objective: long-term growth of capital. IDS Life, investment WNDM1 Variable Portfolio - New Invests primarily in common stocks of manager; AEFC, investment WNDM3 Dimensions Fund-Registered U.S. and foreign companies showing advisor. WNDM4 Trademark- potential for significant growth. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PSCA1 AXP-Registered Trademark- Objective: long-term capital growth. IDS Life, investment WSCA1 Variable Portfolio - Small Invests primarily in equity stocks of manager; AEFC, investment WSCA3 Cap Advantage Fund small companies that are often included advisor; Kenwood Capital WSCA4 in the S&P SmallCap 600 Index or the Management LLC, Russell 2000 Index. sub-investment advisor. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PCAP1 AIM V.I. Capital Objective: growth of capital. Invests A I M Advisors, Inc. WCAP1 Appreciation Fund mainly in common stocks of companies WCAP3 likely to benefit from new or WCAP4 innovative products, services or processes as well as those with above-average growth and excellent prospects for future growth. ---------------- ------------------------------ ------------------------------------------- -----------------------------

---------------- ------------------------------ ------------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------------- ------------------------------ ------------------------------------------- ----------------------------- PVAL1 AIM V.I. Value Fund Objective: long-term growth of capital A I M Advisors, Inc. WVAL1 with income as a secondary objective. WVAL3 Invests primarily in equity WVAL4 securities judged to be undervalued relative to the investment advisor's appraisal of the current or projected earnings of the companies issuing the securities, or relative to current market values of assets owned by the companies issuing the securities, or relative to the equity market generally. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WSRG1 The Dreyfus Socially Objective: capital growth, with current The Dreyfus Corporation, WSRG3 Responsible Growth Fund, income as a secondary objective. Invests investment advisor; NCM WSRG4 Inc. - Initial Share Class primarily in the common stock of Capital Management Group, WSRG6 companies that, in the opinion of the Inc., sub-investment fund's management, meet traditional advisor. investment standards and conduct their business in a manner that contributes to the enhancement of the quality of life in America. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WDYC1 Fidelity VIP Dynamic Capital Objective: capital appreciation. Invests Fidelity Management & WDYC3 Appreciation Portfolio primarily in growth or value common Research Company (FMR), WDYC4 (Service Class 2) stocks of domestic and foreign issuers. investment manager; FMR WDYC6 U.K., FMR Far East, Fidelity Investments Japan Limited (FIJ) and FMR Co. Inc. (FMRC), sub-investment advisors ---------------- ------------------------------ ------------------------------------------- ----------------------------- WHIP1 Fidelity VIP High Income Objective: high level of current income FMR, investment manager; WHIP3 Portfolio (Service Class 2) while also considering growth of capital. FMR U.K., FMR Far East, FIJ WHIP4 Invests primarily in foreign and and FMRC, sub-investment WHIP6 domestic issued income-producing debt advisors. securities, preferred stocks and convertible securities, with an emphasis on lower-quality debt securities. Invests in companies in troubled or uncertain financial condition. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WMDC1 Fidelity VIP Mid Cap Objective: long-term growth of capital. FMR, investment manager; WMDC3 Portfolio (Service Class 2) Invests primarily in medium market FMR U.K., FMR Far East, FIJ WMDC4 capitalization common stocks. and FMRC, sub-investment WMDC6 advisors. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WISE1 FTVIPT Franklin Income Objective: maximize income while Franklin Advisers, Inc. WISE3 Securities Fund - Class 2 maintaining prospects for capital WISE4 appreciation. Invests primarily WISE6 in a diversified portfolio of debt and equity securities, including high yield, lower-rated "junk bonds." ---------------- ------------------------------ ------------------------------------------- ----------------------------- WRES1 FTVIPT Franklin Real Estate Objective: capital appreciation with a Franklin Advisers, Inc. WRES3 Fund - Class 2 secondary goal to earn current income. WRES4 Invests primarily in equity WRES6 securities of companies operating in the real estate industry, primarily equity real estate investment trusts (REITS). ---------------- ------------------------------ ------------------------------------------- -----------------------------

---------------- ------------------------------ ------------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------------- ------------------------------ ------------------------------------------- ----------------------------- PSMC1 FTVIPT Franklin Small Cap Objective: long-term capital growth. Franklin Advisers, Inc. WSMC1 Fund - Class 2 Invests primarily in equity securities of WSMC3 U.S. small capitalization (small cap) WSMC4 companies with market cap values not exceeding (i) $1.5 billion, or (ii) the highest market cap value in the Russell 2000-Registered Trademark- Index, whichever is greater, at the time of purchase. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WMSS1 FTVIPT Mutual Shares Objective: capital appreciation, with Franklin Mutual Advisers, WMSS3 Securities Fund - Class 2 income as a secondary goal. Invests LLC WMSS4 primarily in equity securities WMSS6 of companies that the manager believes are available at market prices less than their value based on certain recognized or objective criteria (intrinsic value). ---------------- ------------------------------ ------------------------------------------- ----------------------------- WUSE1 Goldman Sachs VIT CORE-SM- Objective: seeks long-term growth of Goldman Sachs Asset WUSE3 U.S. Equity Fund capital and dividend income. Invests Management WUSE4 primarily in a broadly diversified WUSE6 portfolio of large-cap and blue chip equity securities representing all major sectors of the U.S. economy. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WGLI1 Goldman Sachs VIT Global Objective: seeks high total return, Goldman Sachs Asset WGLI3 Income Fund emphasizing current income, and, to a Management International WGLI4 lesser extent, providing opportunities WGLI6 for capital appreciation. Invests primarily in a portfolio of high quality fixed-income securities of U.S. and foreign issuers and enters into transactions in foreign currencies. ---------------- ------------------------------ ------------------------------------------- ----------------------------- SITO2 Goldman Sachs VIT Internet Objective: seeks long-term growth of Goldman Sachs Asset WITO1 Tollkeeper Fund-SM- capital. Invests primarily in equity Management WITO4 securities of companies the WITO6 investment adviser believes will benefit from the growth of the Internet by providing access, infrastructure, content and services to Internet companies and customers. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WMCV1 Goldman Sachs VIT Mid Cap Objective: seeks long-term capital Goldman Sachs Asset WMCV3 Value Fund appreciation. Invests primarily in Management WMCV4 mid-capitalization companies WMCV6 within the range of the market capitalization of companies constituting the Russell Midcap Value index at the time of investment. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PGIS1 MFS-Registered Trademark- Objective: long-term growth of capital MFS Investment WGIS1 Investors Trust Series - with a secondary objective to seek Management-Registered WGIS3 Initial Class (previously reasonable current income. Invests Trademark- WGIS4 MFS-Registered Trademark- primarily in common stocks and related Growth with Income Series) securities, such as preferred stocks, convertible securities and depositary receipts for those securities. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PUTS1 MFS-Registered Trademark- Objective: capital growth and current MFS Investment WUTS1 Utilities Series - Initial income. Invests primarily in equity and Management-Registered WUTS3 Class debt securities of domestic and foreign Trademark- WUTS4 companies in the utilities industry. ---------------- ------------------------------ ------------------------------------------- -----------------------------

---------------- ------------------------------ ------------------------------------------- ----------------------------- SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------------- ------------------------------ ------------------------------------------- ----------------------------- PIGR1 Putnam VT International Objective: capital appreciation. Invests Putnam Investment WIGR1 Growth Fund - Class IB Shares mainly in growth stocks outside the Management, LLC WIGR3 United States that reflect a WIGR4 value lower than that which Putnam Management places on the company or whose earnings we believe are likely to grow over time. ---------------- ------------------------------ ------------------------------------------- ----------------------------- PVIS1 Putnam VT Vista Fund - Objective: capital appreciation. Invests Putnam Investment WVIS1 Class IB Shares mainly in common stocks of mid-sized U.S. Management, LLC WVIS3 companies with a focus on growth stocks. WVIS4 ---------------- ------------------------------ ------------------------------------------- ----------------------------- WAAL1 Wells Fargo VT Asset Objective: long-term total return, Wells Fargo Funds WAAL3 Allocation Fund consistent with reasonable risk. Invests Management, LLC, advisor; WAAL4 primarily in the securities of various Barclays Global Fund WAAL6 indexes to replicate the total return of Advisors, sub-advisor. the index. We use an asset allocation model to allocate and reallocate assets among common stocks (S&P 500 Index), U.S. Treasury bonds (Lehman Brothers 20+ Bond Index) and money market instruments, operating from a target allocation of 60% stocks and 40% bonds. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WCBD1 Wells Fargo VT Corporate Objective: high level of current income Wells Fargo Funds WCBD3 Bond Fund consistent with reasonable risk. Invests Management, LLC, advisor; WCBD4 primarily in corporate debt securities of Wells Capital Management WCBD6 any maturity. Incorporated, sub-advisor. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WEQI1 Wells Fargo VT Equity Objective: long-term capital appreciation Wells Fargo Funds WEQI3 Income Fund and above-average dividend income. Management, LLC, advisor; WEQI4 Invests primarily in common stocks of Wells Capital Management WEQI6 large, high-quality domestic companies Incorporated, sub-advisor. with above-average return potential and above-average dividend income. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WEQV1 Wells Fargo VT Equity Value Objective: long-term capital Wells Fargo Funds WEQV3 Fund appreciation. Invests primarily in equity Management, LLC, advisor; WEQV4 securities that we believe are Wells Capital Management WEQV6 undervalued in relation to the overall Incorporated, sub-advisor. stock markets. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WGRO1 Wells Fargo VT Growth Fund Objective: long-term capital Wells Fargo Funds WGRO3 appreciation. Invests primarily in common Management, LLC, advisor; WGRO4 stocks and other equity securities. We Wells Capital Management WGRO6 look for companies that have a strong Incorporated, sub-advisor. earnings growth trend that we believe have above-average prospects for future growth. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WIEQ1 Wells Fargo VT International Objective: total return with an emphasis Wells Fargo Funds WIEQ3 Equity Fund on capital appreciation over the Management, LLC, advisor; WIEQ4 long-term. Invests primarily in equity Wells Capital Management WIEQ6 securities of non-U.S. companies. Incorporated, sub-advisor. ---------------- ------------------------------ ------------------------------------------- ----------------------------- WLCG1 Wells Fargo VT Large Company Objective: long-term capital Wells Fargo Funds WLCG3 Growth Fund appreciation. Invests primarily in common Management, LLC, advisor; WLCG4 stock of large, high-quality domestic Peregrine Capital WLCG6 companies that have superior growth Management, Inc., potential. sub-advisor. ---------------- ------------------------------ ------------------------------------------- -----------------------------

MINIMUM PURCHASE PAYMENTS: If paying by SIP(1): $100,000 initial payment for contracts issued through AEFA. $50 initial payment for all other contracts. $50 for additional payments. If paying by any other method: $100,000 initial payment for contracts issued through AEFA. $5,000 initial payment for all other contracts issued in South Carolina, Texas and Washington. $2,000 initial payment for all other contracts issued in all other states. $100 for additional payments.

IF TOTAL NET PAYMENTS* MADE DURING THEN THE PURCHASE PAYMENT THE LIFE OF THE CONTRACT EQUALS... CREDIT PERCENTAGE EQUALS... Less than $10,000 1% $10,000 to less than 1 million 2 $1 million to less than 5 million 3 $5 million and over 4

WITHDRAWAL CHARGE EXPLANATION $ 0 $3,848.80 is 10% of the prior anniversary's contract value withdrawn without withdrawal charge; and 0 $10,252.20 is contract earnings in excess of the 10% free withdrawal amount withdrawn without withdrawal charge; and 0 $10,000 Nov. 1, 2001 payment was received nine or more years before withdrawal and is withdrawn without withdrawal charge; and 640 $8,000 Dec. 31, 2007 payment is in its fourth year from receipt, withdrawn with an 8% withdrawal charge; and 480 $6,000 Feb. 20, 2009 payment is in its third year from receipt withdrawn with an 8% withdrawal charge. --------- $1,120

HOW DOLLAR-COST AVERAGING WORKS By investing an equal number NUMBER of dollars each month... AMOUNT ACCUMULATION OF UNITS MONTH INVESTED UNIT VALUE PURCHASED Jan $100 $20 5.00 Feb 100 18 5.56 you automatically buy Mar 100 17 5.88 more units when the per unit market price is low... --> Apr 100 15 6.67 May 100 16 6.25 Jun 100 18 5.56 Jul 100 17 5.88 and fewer units Aug 100 19 5.26 when the per unit market price is high. --> Sept 100 21 4.76 Oct 100 20 5.00

WE ALLOCATE YOUR NEW PURCHASE PAYMENT IF YOUR NET CONTRACT VALUE(1) IS ... AND ANY APPLICABLE PURCHASE PAYMENT CREDIT TO: $10,000 - $49,999 Tier 1 DCA account $50,000 or more Tier 2 DCA account(2)

PERCENTAGE IF YOU AND THE ANNUITANT ARE PERCENTAGE IF YOU OR THE ANNUITANT ARE CONTRACT YEAR UNDER AGE 70 ON THE RIDER EFFECTIVE DATE 70 OR OLDER ON THE RIDER EFFECTIVE DATE One and Two 0% 0% Three and Four 10 3.75 Five or more 20 7.5

IF YOU AND THE ANNUITANT ARE UNDER IF YOU OR THE ANNUITANT ARE AGE 70 CONTRACT YEAR AGE 70 ON THE RIDER EFFECTIVE DATE, ADD... OR OLDER ON THE RIDER EFFECTIVE DATE, ADD... 1 Zero Zero 2 40% x earnings at death (see above) 15% x earnings at death 3 & 4 40% x (earnings at death + 25% 15% x (earnings at death + 25% initial purchase payment*) initial purchase payment*) 5+ 40% x (earnings at death + 50% 15% x (earnings at death + 50% initial purchase payment*) initial purchase payment*)

CONTRACT GMIB ANNIVERSARY CONTRACT VALUE MAV 5% RISING FLOOR BENEFIT BASE 1 $107,000 $107,000 $107,100 2 125,000 125,000 112,455 3 132,000 132,000 118,078 4 150,000 150,000 123,982 5 85,000 150,000 130,181 6 120,000 150,000 136,690 7 138,000 150,000 143,524 8 152,000 152,000 150,700 9 139,000 152,000 158,235 10 126,000 152,000 166,147 $166,147 11 138,000 152,000 174,455 174,455 12 147,000 152,000 183,177 183,177 13 163,000 163,000 192,336 192,336 14 159,000 163,000 201,953 201,953 15 215,000 215,000 212,051 215,000

MINIMUM GUARANTEED MONTHLY INCOME CONTRACT PLAN A - PLAN B - PLAN D - JOINT AND ANNIVERSARY GMIB LIFE ANNUITY-- LIFE ANNUITY WITH LAST SURVIVOR LIFE AT EXERCISE BENEFIT BASE NO REFUND TEN YEARS CERTAIN ANNUITY-- NO REFUND 10 $166,147 (5% rising floor) $ 865.63 $ 842.37 $689.51 15 215,000 (MAV) 1,281.40 1,221.20 991.15

CONTRACT GMIB FEE VALUE ON WHICH WE GMIB FEE ANNIVERSARY CONTRACT VALUE PERCENTAGE BASE THE GMIB FEE CHARGED TO YOU 1 $ 80,000 0.30% 5% rising floor = $102,000 x 1.05 $321 2 150,000 0.30 Contract value = $150,000 450 3 102,000 0.30 MAV = $150,000 450

THREE MONTHS ENDED YEARS ENDED DEC. 31 (THOUSANDS) March 31, 2001 March 31, 2000 2000 1999 1998 1997 1996 ------------------------------------------------------------------------------------------------------------------------------------ Net investment income $ 69,460 $ 77,586 $ 299,759 $ 322,746 $ 340,219 $ 332,268 $ 271,719 Net loss on investments (18,542) (2,425) 469 6,565 (4,788) (509) (5,258) Other 3,765 2,289 12,248 8,338 7,662 6,329 5,753 Total revenues $ 54,863 $ 77,450 $ 312,476 $ 337,649 $ 343,093 $ 338,088 $ 272,214 Income before income taxes $ (11,624) $ 9,978 $ 38,452 $ 50,662 $ 36,421 $ 44,958 $ 35,735 Net income $ (7,637) $ 6,332 $ 24,365 $ 33,987 $ 22,026 $ 28,313 $ 22,823 Total assets $4,617,668 $4,532,394 $4,652,221 $4,603,343 $4,885,621 $4,973,413 $4,425,837 ------------------------------------------------------------------------------------------------------------------------------------

NAME OF INDIVIDUAL OR NUMBER IN GROUP POSITION HELD CASH COMPENSATION Five most highly compensated executive officers as a group: $8,138,209 Stephen W. Roszell President and Chief Executive Officer Richard W. Kling Chairman of the Board Lorraine R. Hart Vice President - Investments David M. Kuplic Assistant Vice President - Investments Stuart A. Sedlacek Executive Vice President All executive officers as a group (11) $11,289,475

FIVE-YEAR SCHEDULE SEVEN-YEAR SCHEDULE YEARS FROM PURCHASE WITHDRAWAL CHARGE YEARS FROM PURCHASE WITHDRAWAL CHARGE PAYMENT RECEIPT PERCENTAGE PAYMENT RECEIPT PERCENTAGE 1 8% 1 8% 2 8 2 8 3 6 3 7 4 4 4 6 5 2 5 5 Thereafter 0 6 4 7 2 Thereafter 0

FIVE-YEAR WITHDRAWAL SEVEN-YEAR WITHDRAWAL CHARGE SCHEDULE CHARGE SCHEDULE VARIABLE ACCOUNT ADMINISTRATIVE CHARGE: 0.15% 0.15% MORTALITY AND EXPENSE RISK FEE: 1.30 1.05 ENHANCED DEATH BENEFIT RIDER (EDB) FEE: 0.20 0.20 --------------- --------------- (As part of the mortality and expense risk fee. This is an optional expense.) TOTAL ANNUAL VARIABLE ACCOUNT EXPENSES WITHOUT THE OPTIONAL EDB FEE: 1.45% 1.20% TOTAL ANNUAL VARIABLE ACCOUNT EXPENSES WITH THE OPTIONAL EDB FEE: 1.65% 1.40%

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Blue Chip Advantage Fund base contract with no optional riders $104.94 $136.71 $151.10 $279.47 optional Benefit Protector 107.50 144.37 163.83 304.59 optional Benefit Protector Plus 109.04 148.95 171.41 319.36 optional EDB 106.99 142.84 161.30 299.62 optional GMIB and EDB 110.14 152.51 177.79 334.59 AXP-Registered Trademark- VP - Capital Resource Fund base contract with no optional riders 103.09 131.16 141.85 261.00 optional Benefit Protector 105.66 138.86 154.68 286.57 optional Benefit Protector Plus 107.19 143.45 162.31 301.61 optional EDB 105.14 137.32 152.12 281.50 optional GMIB and EDB 108.29 147.01 168.68 316.77 AXP-Registered Trademark- VP - Diversified Equity Income Fund base contract with no optional riders 104.94 136.71 151.10 279.47 optional Benefit Protector 107.50 144.37 163.83 304.59 optional Benefit Protector Plus 109.04 148.95 171.41 319.36 optional EDB 106.99 142.84 161.30 299.62 optional GMIB and EDB 110.14 152.51 177.79 334.59 AXP-Registered Trademark- VP - Extra Income Fund base contract with no optional riders 103.61 132.70 144.43 266.16 optional Benefit Protector 106.17 140.39 157.23 291.61 optional Benefit Protector Plus 107.71 144.98 164.84 306.57 optional EDB 105.66 138.86 154.68 286.57 optional GMIB and EDB 108.81 148.54 171.21 321.75 AXP-Registered Trademark- VP - Federal Income Fund base contract with no optional riders 104.12 134.24 147.00 271.30 optional Benefit Protector 106.68 141.92 159.77 296.62 optional Benefit Protector Plus 108.22 146.51 167.37 311.51 optional EDB 106.17 140.39 157.23 291.61 optional GMIB and EDB 109.32 150.07 173.75 326.71 AXP VP - New Dimensions Fund-Registered Trademark- base contract with no optional riders 103.20 131.47 142.37 262.03 optional Benefit Protector 105.76 139.16 155.19 287.58 optional Benefit Protector Plus 107.30 143.76 162.82 302.60 optional EDB 105.25 137.63 152.63 282.52 optional GMIB and EDB 108.40 147.31 169.18 317.77 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Blue Chip Advantage Fund base contract with no optional riders $24.94 $76.71 $131.10 $279.47 optional Benefit Protector 27.50 84.37 143.83 304.59 optional Benefit Protector Plus 29.04 88.95 151.41 319.36 optional EDB 26.99 82.84 141.30 299.62 optional GMIB and EDB 30.14 92.51 157.79 334.59 AXP-Registered Trademark- VP - Capital Resource Fund base contract with no optional riders 23.09 71.16 121.85 261.00 optional Benefit Protector 25.66 78.86 134.68 286.57 optional Benefit Protector Plus 27.19 83.45 142.31 301.61 optional EDB 25.14 77.32 132.12 281.50 optional GMIB and EDB 28.29 87.01 148.68 316.77 AXP-Registered Trademark- VP - Diversified Equity Income Fund base contract with no optional riders 24.94 76.71 131.10 279.47 optional Benefit Protector 27.50 84.37 143.83 304.59 optional Benefit Protector Plus 29.04 88.95 151.41 319.36 optional EDB 26.99 82.84 141.30 299.62 optional GMIB and EDB 30.14 92.51 157.79 334.59 AXP-Registered Trademark- VP - Extra Income Fund base contract with no optional riders 23.61 72.70 124.43 266.16 optional Benefit Protector 26.17 80.39 137.23 291.61 optional Benefit Protector Plus 27.71 84.98 144.84 306.57 optional EDB 25.66 78.86 134.68 286.57 optional GMIB and EDB 28.81 88.54 151.21 321.75 AXP-Registered Trademark- VP - Federal Income Fund base contract with no optional riders 24.12 74.24 127.00 271.30 optional Benefit Protector 26.68 81.92 139.77 296.62 optional Benefit Protector Plus 28.22 86.51 147.37 311.51 optional EDB 26.17 80.39 137.23 291.61 optional GMIB and EDB 29.32 90.07 153.75 326.71 AXP VP - New Dimensions Fund-Registered Trademark- base contract with no optional riders 23.20 71.47 122.37 262.03 optional Benefit Protector 25.76 79.16 135.19 287.58 optional Benefit Protector Plus 27.30 83.76 142.82 302.60 optional EDB 25.25 77.63 132.63 282.52 optional GMIB and EDB 28.40 87.31 149.18 317.77

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Small Cap Advantage Fund base contract with no optional riders $107.40 $144.07 $163.33 $303.60 optional Benefit Protector 109.96 151.70 175.93 328.12 optional Benefit Protector Plus 111.50 156.25 183.43 342.54 optional EDB 109.45 150.17 173.42 323.26 optional GMIB and EDB 112.60 159.82 189.83 357.84 AIM V.I. Capital Appreciation Fund base contract with no optional riders 103.61 132.70 144.43 266.16 optional Benefit Protector 106.17 140.39 157.23 291.61 optional Benefit Protector Plus 107.71 144.98 164.84 306.57 optional EDB 105.66 138.86 154.68 286.57 optional GMIB and EDB 108.81 148.54 171.21 321.75 AIM V.I. Value Fund base contract with no optional riders 103.81 133.32 145.46 268.22 optional Benefit Protector 106.37 141.00 158.25 293.61 optional Benefit Protector Plus 107.91 145.60 165.86 308.55 optional EDB 105.86 139.47 155.70 288.59 optional GMIB and EDB 109.01 149.15 172.23 323.74 The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class base contract with no optional riders 103.20 131.47 142.37 262.03 optional Benefit Protector 105.76 139.16 155.19 287.58 optional Benefit Protector Plus 107.30 143.76 162.82 302.60 optional EDB 105.25 137.63 152.63 282.52 optional GMIB and EDB 108.40 147.31 169.18 317.77 Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) base contract with no optional riders 109.86 151.39 175.43 327.15 optional Benefit Protector 112.42 158.98 187.90 351.09 optional Benefit Protector Plus 113.96 163.52 195.33 365.17 optional EDB 111.91 157.47 185.42 346.35 optional GMIB and EDB 115.06 167.09 201.75 380.55 Fidelity VIP High Income Portfolio (Service Class 2) base contract with no optional riders 105.55 138.55 154.17 285.56 optional Benefit Protector 108.12 146.21 166.87 310.53 optional Benefit Protector Plus 109.65 150.78 174.42 325.21 optional EDB 107.60 144.68 164.34 305.58 optional GMIB and EDB 110.75 154.34 180.81 340.45 Fidelity VIP Mid Cap Portfolio (Service Class 2) base contract with no optional riders 105.35 137.93 153.15 283.53 optional Benefit Protector 107.91 145.60 165.86 308.55 optional Benefit Protector Plus 109.45 150.17 173.42 323.26 optional EDB 107.40 144.07 163.33 303.60 optional GMIB and EDB 110.55 153.73 179.80 338.50 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Small Cap Advantage Fund base contract with no optional riders $27.40 $ 84.07 $143.33 $303.60 optional Benefit Protector 29.96 91.70 155.93 328.12 optional Benefit Protector Plus 31.50 96.25 163.43 342.54 optional EDB 29.45 90.17 153.42 323.26 optional GMIB and EDB 32.60 99.82 169.83 357.84 AIM V.I. Capital Appreciation Fund base contract with no optional riders 23.61 72.70 124.43 266.16 optional Benefit Protector 26.17 80.39 137.23 291.61 optional Benefit Protector Plus 27.71 84.98 144.84 306.57 optional EDB 25.66 78.86 134.68 286.57 optional GMIB and EDB 28.81 88.54 151.21 321.75 AIM V.I. Value Fund base contract with no optional riders 23.81 73.32 125.46 268.22 optional Benefit Protector 26.37 81.00 138.25 293.61 optional Benefit Protector Plus 27.91 85.60 145.86 308.55 optional EDB 25.86 79.47 135.70 288.59 optional GMIB and EDB 29.01 89.15 152.23 323.74 The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class base contract with no optional riders 23.20 71.47 122.37 262.03 optional Benefit Protector 25.76 79.16 135.19 287.58 optional Benefit Protector Plus 27.30 83.76 142.82 302.60 optional EDB 25.25 77.63 132.63 282.52 optional GMIB and EDB 28.40 87.31 149.18 317.77 Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) base contract with no optional riders 29.86 91.39 155.43 327.15 optional Benefit Protector 32.42 98.98 167.90 351.09 optional Benefit Protector Plus 33.96 103.52 175.33 365.17 optional EDB 31.91 97.47 165.42 346.35 optional GMIB and EDB 35.06 107.09 181.75 380.55 Fidelity VIP High Income Portfolio (Service Class 2) base contract with no optional riders 25.55 78.55 134.17 285.56 optional Benefit Protector 28.12 86.21 146.87 310.53 optional Benefit Protector Plus 29.65 90.78 154.42 325.21 optional EDB 27.60 84.68 144.34 305.58 optional GMIB and EDB 30.75 94.34 160.81 340.45 Fidelity VIP Mid Cap Portfolio (Service Class 2) base contract with no optional riders 25.35 77.93 133.15 283.53 optional Benefit Protector 27.91 85.60 145.86 308.55 optional Benefit Protector Plus 29.45 90.17 153.42 323.26 optional EDB 27.40 84.07 143.33 303.60 optional GMIB and EDB 30.55 93.73 159.80 338.50

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS FTVIPT Franklin Income Securities Fund - Class 2 base contract with no optional riders $102.89 $130.54 $140.82 $258.92 optional Benefit Protector 105.45 138.24 153.66 284.55 optional Benefit Protector Plus 106.99 142.84 161.30 299.62 optional EDB 104.94 136.71 151.10 279.47 optional GMIB and EDB 108.09 146.39 167.66 314.77 FTVIPT Franklin Real Estate Fund - Class 2 base contract with no optional riders 103.91 133.63 145.97 269.25 optional Benefit Protector 106.48 141.31 158.76 294.62 optional Benefit Protector Plus 108.01 145.90 166.36 309.54 optional EDB 105.96 139.78 156.21 289.59 optional GMIB and EDB 109.11 149.46 172.73 324.73 FTVIPT Franklin Small Cap Fund - Class 2 base contract with no optional riders 105.66 138.86 154.68 286.57 optional Benefit Protector 108.22 146.51 167.37 311.51 optional Benefit Protector Plus 109.76 151.09 174.93 326.18 optional EDB 107.71 144.98 164.84 306.57 optional GMIB and EDB 110.86 154.65 181.31 341.43 FTVIPT Mutual Shares Securities Fund - Class 2 base contract with no optional riders 105.96 139.78 156.21 289.59 optional Benefit Protector 108.53 147.43 168.89 314.46 optional Benefit Protector Plus 110.06 152.00 176.43 329.09 optional EDB 108.01 145.90 166.36 309.54 optional GMIB and EDB 111.16 155.56 182.82 344.34 Goldman Sachs VIT CORE-SM- U.S. Equity Fund base contract with no optional riders 104.43 135.17 148.54 274.37 optional Benefit Protector 106.99 142.84 161.30 299.62 optional Benefit Protector Plus 108.53 147.43 168.89 314.46 optional EDB 106.48 141.31 158.76 294.62 optional GMIB and EDB 109.63 150.98 175.26 329.67 Goldman Sachs VIT Global Income Fund base contract with no optional riders 106.99 142.84 161.30 299.62 optional Benefit Protector 109.55 150.48 173.92 324.24 optional Benefit Protector Plus 111.09 155.04 181.43 338.72 optional EDB 109.04 148.95 171.41 319.36 optional GMIB and EDB 112.19 158.60 187.83 354.01 Goldman Sachs VIT Internet Tollkeeper Fund-SM- base contract with no optional riders 108.01 145.90 166.36 309.54 optional Benefit Protector 110.58 153.52 178.93 333.92 optional Benefit Protector Plus 112.11 158.07 186.41 348.25 optional EDB 110.06 152.00 176.43 329.09 optional GMIB and EDB 113.21 161.64 192.82 363.57 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS FTVIPT Franklin Income Securities Fund - Class 2 base contract with no optional riders $22.89 $ 70.54 $120.82 $258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77 FTVIPT Franklin Real Estate Fund - Class 2 base contract with no optional riders 23.91 73.63 125.97 269.25 optional Benefit Protector 26.48 81.31 138.76 294.62 optional Benefit Protector Plus 28.01 85.90 146.36 309.54 optional EDB 25.96 79.78 136.21 289.59 optional GMIB and EDB 29.11 89.46 152.73 324.73 FTVIPT Franklin Small Cap Fund - Class 2 base contract with no optional riders 25.66 78.86 134.68 286.57 optional Benefit Protector 28.22 86.51 147.37 311.51 optional Benefit Protector Plus 29.76 91.09 154.93 326.18 optional EDB 27.71 84.98 144.84 306.57 optional GMIB and EDB 30.86 94.65 161.31 341.43 FTVIPT Mutual Shares Securities Fund - Class 2 base contract with no optional riders 25.96 79.78 136.21 289.59 optional Benefit Protector 28.53 87.43 148.89 314.46 optional Benefit Protector Plus 30.06 92.00 156.43 329.09 optional EDB 28.01 85.90 146.36 309.54 optional GMIB and EDB 31.16 95.56 162.82 344.34 Goldman Sachs VIT CORE-SM- U.S. Equity Fund base contract with no optional riders 24.43 75.17 128.54 274.37 optional Benefit Protector 26.99 82.84 141.30 299.62 optional Benefit Protector Plus 28.53 87.43 148.89 314.46 optional EDB 26.48 81.31 138.76 294.62 optional GMIB and EDB 29.63 90.98 155.26 329.67 Goldman Sachs VIT Global Income Fund base contract with no optional riders 26.99 82.84 141.30 299.62 optional Benefit Protector 29.55 90.48 153.92 324.24 optional Benefit Protector Plus 31.09 95.04 161.43 338.72 optional EDB 29.04 88.95 151.41 319.36 optional GMIB and EDB 32.19 98.60 167.83 354.01 Goldman Sachs VIT Internet Tollkeeper Fund-SM- base contract with no optional riders 28.01 85.90 146.36 309.54 optional Benefit Protector 30.58 93.52 158.93 333.92 optional Benefit Protector Plus 32.11 98.07 166.41 348.25 optional EDB 30.06 92.00 156.43 329.09 optional GMIB and EDB 33.21 101.64 172.82 363.57

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Goldman Sachs VIT Mid Cap Value Fund base contract with no optional riders $105.96 $139.78 $156.21 $289.59 optional Benefit Protector 108.53 147.43 168.89 314.46 optional Benefit Protector Plus 110.06 152.00 176.43 329.09 optional EDB 108.01 145.90 166.36 309.54 optional GMIB and EDB 111.16 155.56 182.82 344.34 MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) base contract with no optional riders 104.12 134.24 147.00 271.30 optional Benefit Protector 106.68 141.92 159.77 296.62 optional Benefit Protector Plus 108.22 146.51 167.37 311.51 optional EDB 106.17 140.39 157.23 291.61 optional GMIB and EDB 109.32 150.07 173.75 326.71 MFS-Registered Trademark- Utilities Series - Initial Class base contract with no optional riders 104.53 135.47 149.05 275.39 optional Benefit Protector 107.09 143.15 161.80 300.61 optional Benefit Protector Plus 108.63 147.73 169.39 315.44 optional EDB 106.58 141.62 159.26 295.62 optional GMIB and EDB 109.73 151.29 175.77 330.65 Putnam VT International Growth Fund - Class IB Shares base contract with no optional riders 107.40 144.07 163.33 303.60 optional Benefit Protector 109.96 151.70 175.93 328.12 optional Benefit Protector Plus 111.50 156.25 183.43 342.54 optional EDB 109.45 150.17 173.42 323.26 optional GMIB and EDB 112.60 159.82 189.83 357.84 Putnam VT Vista Fund - Class IB Shares base contract with no optional riders 104.63 135.78 149.56 276.42 optional Benefit Protector 107.19 143.45 162.31 301.61 optional Benefit Protector Plus 108.73 148.04 169.90 316.43 optional EDB 106.68 141.92 159.77 296.62 optional GMIB and EDB 109.83 151.60 176.27 331.64 Wells Fargo VT Asset Allocation Fund base contract with no optional riders 105.45 138.24 153.66 284.55 optional Benefit Protector 108.01 145.90 166.36 309.54 optional Benefit Protector Plus 109.55 150.48 173.92 324.24 optional EDB 107.50 144.37 163.83 304.59 optional GMIB and EDB 110.65 154.04 180.31 339.48 Wells Fargo VT Corporate Bond Fund base contract with no optional riders 104.43 135.17 148.54 274.37 optional Benefit Protector 106.99 142.84 161.30 299.62 optional Benefit Protector Plus 108.53 147.43 168.89 314.46 optional EDB 106.48 141.31 158.76 294.62 optional GMIB and EDB 109.63 150.98 175.26 329.67 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Goldman Sachs VIT Mid Cap Value Fund base contract with no optional riders $25.96 $79.78 $136.21 $289.59 optional Benefit Protector 28.53 87.43 148.89 314.46 optional Benefit Protector Plus 30.06 92.00 156.43 329.09 optional EDB 28.01 85.90 146.36 309.54 optional GMIB and EDB 31.16 95.56 162.82 344.34 MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) base contract with no optional riders 24.12 74.24 127.00 271.30 optional Benefit Protector 26.68 81.92 139.77 296.62 optional Benefit Protector Plus 28.22 86.51 147.37 311.51 optional EDB 26.17 80.39 137.23 291.61 optional GMIB and EDB 29.32 90.07 153.75 326.71 MFS-Registered Trademark- Utilities Series - Initial Class base contract with no optional riders 24.53 75.47 129.05 275.39 optional Benefit Protector 27.09 83.15 141.80 300.61 optional Benefit Protector Plus 28.63 87.73 149.39 315.44 optional EDB 26.58 81.62 139.26 295.62 optional GMIB and EDB 29.73 91.29 155.77 330.65 Putnam VT International Growth Fund - Class IB Shares base contract with no optional riders 27.40 84.07 143.33 303.60 optional Benefit Protector 29.96 91.70 155.93 328.12 optional Benefit Protector Plus 31.50 96.25 163.43 342.54 optional EDB 29.45 90.17 153.42 323.26 optional GMIB and EDB 32.60 99.82 169.83 357.84 Putnam VT Vista Fund - Class IB Shares base contract with no optional riders 24.63 75.78 129.56 276.42 optional Benefit Protector 27.19 83.45 142.31 301.61 optional Benefit Protector Plus 28.73 88.04 146.90 316.43 optional EDB 26.68 81.92 139.77 296.62 optional GMIB and EDB 29.83 91.60 156.27 331.64 Wells Fargo VT Asset Allocation Fund base contract with no optional riders 25.45 78.24 133.66 284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Wells Fargo VT Corporate Bond Fund base contract with no optional riders 24.43 75.17 128.54 274.37 optional Benefit Protector 26.99 82.84 141.30 299.62 optional Benefit Protector Plus 28.53 87.43 148.89 314.46 optional EDB 26.48 81.31 138.76 294.62 optional GMIB and EDB 29.63 90.98 155.26 329.67

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Wells Fargo VT Equity Income Fund base contract with no optional riders $105.45 $138.24 $153.66 $284.55 optional Benefit Protector 108.01 145.90 166.36 309.54 optional Benefit Protector Plus 109.55 150.48 173.92 324.24 optional EDB 107.50 144.37 163.83 304.59 optional GMIB and EDB 110.65 154.04 180.31 339.48 Wells Fargo VT Equity Value Fund base contract with no optional riders 105.45 138.24 153.66 284.55 optional Benefit Protector 108.01 145.90 166.36 309.54 optional Benefit Protector Plus 109.55 150.48 173.92 324.24 optional EDB 107.50 144.37 163.83 304.59 optional GMIB and EDB 110.65 154.04 180.31 339.48 Wells Fargo VT Growth Fund base contract with no optional riders 105.45 138.24 153.66 284.55 optional Benefit Protector 108.01 145.90 166.36 309.54 optional Benefit Protector Plus 109.55 150.48 173.92 324.24 optional EDB 107.50 144.37 163.83 304.59 optional GMIB and EDB 110.65 154.04 180.31 339.48 Wells Fargo VT International Equity Fund base contract with no optional riders 105.45 138.24 153.66 284.55 optional Benefit Protector 108.01 145.90 166.36 309.54 optional Benefit Protector Plus 109.55 150.48 173.92 324.24 optional EDB 107.50 144.37 163.83 304.59 optional GMIB and EDB 110.65 154.04 180.31 339.48 Wells Fargo VT Large Company Growth Fund base contract with no optional riders 105.45 138.24 153.66 284.55 optional Benefit Protector 108.01 145.90 166.36 309.54 optional Benefit Protector Plus 109.55 150.48 173.92 324.24 optional EDB 107.50 144.37 163.83 304.59 optional GMIB and EDB 110.65 154.04 180.31 339.48 Wells Fargo VT Money Market Fund base contract with no optional riders 103.91 133.63 145.97 269.25 optional Benefit Protector 106.48 141.31 158.76 294.62 optional Benefit Protector Plus 108.01 145.90 166.36 309.54 optional EDB 105.96 139.78 156.21 289.59 optional GMIB and EDB 109.11 149.46 172.73 324.73 Wells Fargo VT Small Cap Growth Fund base contract with no optional riders 107.50 144.37 163.83 304.59 optional Benefit Protector 110.06 152.00 176.43 329.09 optional Benefit Protector Plus 111.60 156.56 183.93 343.50 optional EDB 109.55 150.48 173.92 324.24 optional GMIB and EDB 112.70 160.12 190.33 358.80 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Wells Fargo VT Equity Income Fund base contract with no optional riders $25.45 $ 78.24 $133.66 $284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Wells Fargo VT Equity Value Fund base contract with no optional riders 25.45 78.24 133.66 284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Wells Fargo VT Growth Fund base contract with no optional riders 25.45 78.24 133.66 284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Wells Fargo VT International Equity Fund base contract with no optional riders 25.45 78.24 133.66 284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Wells Fargo VT Large Company Growth Fund base contract with no optional riders 25.45 78.24 133.66 284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Wells Fargo VT Money Market Fund base contract with no optional riders 23.91 73.63 125.97 269.25 optional Benefit Protector 26.48 81.31 138.76 294.62 optional Benefit Protector Plus 28.01 85.90 146.36 309.54 optional EDB 25.96 79.78 136.21 289.59 optional GMIB and EDB 29.11 89.46 152.73 324.73 Wells Fargo VT Small Cap Growth Fund base contract with no optional riders 27.50 84.37 143.83 304.59 optional Benefit Protector 30.06 92.00 156.43 329.09 optional Benefit Protector Plus 31.60 96.56 163.93 343.50 optional EDB 29.55 90.48 153.92 324.24 optional GMIB and EDB 32.70 100.12 170.33 358.80

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Blue Chip Advantage Fund base contract with no optional riders $102.38 $139.00 $168.23 $253.72 optional Benefit Protector 104.94 146.71 181.10 279.47 optional Benefit Protector Plus 106.48 151.31 188.76 294.62 optional EDB 104.43 145.17 178.54 274.37 optional GMIB and EDB 107.58 154.86 195.11 309.76 AXP-Registered Trademark- VP - Capital Resource Fund base contract with no optional riders 100.53 133.43 158.88 234.79 optional Benefit Protector 103.09 141.16 171.85 261.00 optional Benefit Protector Plus 104.63 145.78 179.56 276.42 optional EDB 102.58 139.62 169.27 255.81 optional GMIB and EDB 105.73 149.33 185.91 291.49 AXP-Registered Trademark- VP - Diversified Equity Income Fund base contract with no optional riders 102.38 139.00 168.23 253.72 optional Benefit Protector 104.94 146.71 181.10 279.47 optional Benefit Protector Plus 106.48 151.31 188.76 294.62 optional EDB 104.43 145.17 178.54 274.37 optional GMIB and EDB 107.58 154.86 195.11 309.76 AXP-Registered Trademark- VP - Extra Income Fund base contract with no optional riders 101.04 134.98 161.49 240.08 optional Benefit Protector 103.61 142.70 174.43 266.16 optional Benefit Protector Plus 105.14 147.32 182.12 281.50 optional EDB 103.09 141.16 171.85 261.00 optional GMIB and EDB 106.24 150.87 188.47 296.60 AXP-Registered Trademark- VP - Federal Income Fund base contract with no optional riders 101.56 136.52 164.09 245.35 optional Benefit Protector 104.12 144.24 177.00 271.30 optional Benefit Protector Plus 105.66 148.86 184.68 286.57 optional EDB 103.61 142.70 174.43 266.16 optional GMIB and EDB 106.76 152.40 191.03 301.68 AXP VP - New Dimensions Fund-Registered Trademark- base contract with no optional riders 100.63 133.74 159.41 235.85 optional Benefit Protector 103.20 141.47 172.37 262.03 optional Benefit Protector Plus 104.73 146.09 180.08 277.44 optional EDB 102.68 139.93 169.78 256.85 optional GMIB and EDB 105.83 149.64 186.42 292.52 AXP-Registered Trademark- VP - Small Cap Advantage Fund base contract with no optional riders 104.84 146.40 180.59 278.45 optional Benefit Protector 107.40 154.07 193.33 303.60 optional Benefit Protector Plus 108.94 158.65 200.90 318.38 optional EDB 106.89 152.54 190.79 298.62 optional GMIB and EDB 110.04 162.21 207.28 333.60 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AXP-Registered Trademark- VP - Blue Chip Advantage Fund base contract with no optional riders $22.38 $69.00 $118.23 $253.72 optional Benefit Protector 24.94 76.71 131.10 279.47 optional Benefit Protector Plus 26.48 81.31 138.76 294.62 optional EDB 24.43 75.17 128.54 274.37 optional GMIB and EDB 27.58 84.86 145.11 309.76 AXP-Registered Trademark- VP - Capital Resource Fund base contract with no optional riders 20.53 63.43 108.88 234.79 optional Benefit Protector 23.09 71.16 121.85 261.00 optional Benefit Protector Plus 24.63 75.78 129.56 276.42 optional EDB 22.58 69.62 119.27 255.81 optional GMIB and EDB 25.73 79.33 135.91 291.49 AXP-Registered Trademark- VP - Diversified Equity Income Fund base contract with no optional riders 22.38 69.00 118.23 253.72 optional Benefit Protector 24.94 76.71 131.10 279.47 optional Benefit Protector Plus 26.48 81.31 138.76 294.62 optional EDB 24.43 75.17 128.54 274.37 optional GMIB and EDB 27.58 84.86 145.11 309.76 AXP-Registered Trademark- VP - Extra Income Fund base contract with no optional riders 21.04 64.98 111.49 240.08 optional Benefit Protector 23.61 72.70 124.43 266.16 optional Benefit Protector Plus 25.14 77.32 132.12 281.50 optional EDB 23.09 71.16 121.85 261.00 optional GMIB and EDB 26.24 80.87 138.47 296.60 AXP-Registered Trademark- VP - Federal Income Fund base contract with no optional riders 21.56 66.52 114.09 245.35 optional Benefit Protector 24.12 74.24 127.00 271.30 optional Benefit Protector Plus 25.66 78.86 134.68 286.57 optional EDB 23.61 72.70 124.43 266.16 optional GMIB and EDB 26.76 82.40 141.03 301.68 AXP VP - New Dimensions Fund-Registered Trademark- base contract with no optional riders 20.63 63.74 109.41 235.85 optional Benefit Protector 23.20 71.47 122.37 262.03 optional Benefit Protector Plus 24.73 76.09 130.08 277.44 optional EDB 22.68 69.93 119.78 256.85 optional GMIB and EDB 25.83 79.64 136.42 292.52 AXP-Registered Trademark- VP - Small Cap Advantage Fund base contract with no optional riders 24.84 76.40 130.59 278.45 optional Benefit Protector 27.40 84.07 143.33 303.60 optional Benefit Protector Plus 28.94 88.65 150.90 318.38 optional EDB 26.89 82.54 140.79 298.62 optional GMIB and EDB 30.04 92.21 157.28 333.60

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AIM V.I. Capital Appreciation Fund base contract with no optional riders $101.04 $134.98 $161.49 $240.08 optional Benefit Protector 103.61 142.70 174.43 266.16 optional Benefit Protector Plus 105.14 147.32 182.12 281.50 optional EDB 103.09 141.16 171.85 261.00 optional GMIB and EDB 106.24 150.87 188.47 296.60 AIM V.I. Value Fund base contract with no optional riders 101.25 135.60 162.53 242.19 optional Benefit Protector 103.81 143.32 175.46 268.22 optional Benefit Protector Plus 105.35 147.93 183.15 283.53 optional EDB 103.30 141.78 172.88 263.07 optional GMIB and EDB 106.45 151.48 189.49 298.63 The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class base contract with no optional riders 100.63 133.74 159.41 235.85 optional Benefit Protector 103.20 141.47 172.37 262.03 optional Benefit Protector Plus 104.73 146.09 180.08 277.44 optional EDB 102.68 139.93 169.78 256.85 optional GMIB and EDB 105.83 149.64 186.42 292.52 Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) base contract with no optional riders 107.30 153.76 192.82 302.60 optional Benefit Protector 109.86 161.39 205.43 327.15 optional Benefit Protector Plus 111.40 165.95 212.93 341.59 optional EDB 109.35 159.87 202.92 322.29 optional GMIB and EDB 112.50 169.51 219.33 356.89 Fidelity VIP High Income Portfolio (Service Class 2) base contract with no optional riders 102.99 140.85 171.33 259.96 optional Benefit Protector 105.55 148.55 184.17 285.56 optional Benefit Protector Plus 107.09 153.15 191.80 300.61 optional EDB 105.04 147.01 181.61 280.49 optional GMIB and EDB 108.19 156.70 198.17 315.77 Fidelity VIP Mid Cap Portfolio (Service Class 2) base contract with no optional riders 102.79 140.23 170.30 257.89 optional Benefit Protector 105.35 147.93 183.15 283.53 optional Benefit Protector Plus 106.89 152.54 190.79 298.62 optional EDB 104.84 146.40 180.59 278.45 optional GMIB and EDB 107.99 156.09 197.15 313.77 FTVIPT Franklin Income Securities Fund - Class 2 base contract with no optional riders 100.33 132.80 157.84 232.66 optional Benefit Protector 102.89 140.54 170.82 258.92 optional Benefit Protector Plus 104.43 145.17 178.54 274.37 optional EDB 102.38 139.00 168.23 253.72 optional GMIB and EDB 105.53 148.71 184.88 289.44 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS AIM V.I. Capital Appreciation Fund base contract with no optional riders $21.04 $64.98 $111.49 $240.08 optional Benefit Protector 23.61 72.70 124.43 266.16 optional Benefit Protector Plus 25.14 77.32 132.12 281.50 optional EDB 23.09 71.16 121.85 261.00 optional GMIB and EDB 26.24 80.87 138.47 296.60 AIM V.I. Value Fund base contract with no optional riders 21.25 65.60 112.53 242.19 optional Benefit Protector 23.81 73.32 125.46 268.22 optional Benefit Protector Plus 25.35 77.93 133.15 283.53 optional EDB 23.30 71.78 122.88 263.07 optional GMIB and EDB 26.45 81.48 139.49 298.63 The Dreyfus Socially Responsible Growth Fund, Inc. - Initial Share Class base contract with no optional riders 20.63 63.74 109.41 235.85 optional Benefit Protector 23.20 71.47 122.37 262.03 optional Benefit Protector Plus 24.73 76.09 130.08 277.44 optional EDB 22.68 69.93 119.78 256.85 optional GMIB and EDB 25.83 79.64 136.42 292.52 Fidelity VIP Dynamic Capital Appreciation Portfolio (Service Class 2) base contract with no optional riders 27.30 83.76 142.82 302.60 optional Benefit Protector 29.86 91.39 155.43 327.15 optional Benefit Protector Plus 31.40 95.95 162.93 341.59 optional EDB 29.35 89.87 152.92 322.29 optional GMIB and EDB 32.50 99.51 169.33 356.89 Fidelity VIP High Income Portfolio (Service Class 2) base contract with no optional riders 22.99 70.85 121.33 259.96 optional Benefit Protector 25.55 78.55 134.17 285.56 optional Benefit Protector Plus 27.09 83.15 141.80 300.61 optional EDB 25.04 77.01 131.61 280.49 optional GMIB and EDB 28.19 86.70 148.17 315.77 Fidelity VIP Mid Cap Portfolio (Service Class 2) base contract with no optional riders 22.79 70.23 120.30 257.89 optional Benefit Protector 25.35 77.93 133.15 283.53 optional Benefit Protector Plus 26.89 82.54 140.79 298.62 optional EDB 24.84 76.40 130.59 278.45 optional GMIB and EDB 27.99 86.09 147.15 313.77 FTVIPT Franklin Income Securities Fund - Class 2 base contract with no optional riders 20.33 62.80 107.84 232.66 optional Benefit Protector 22.89 70.54 120.82 258.92 optional Benefit Protector Plus 24.43 75.17 128.54 274.37 optional EDB 22.38 69.00 118.23 253.72 optional GMIB and EDB 25.53 78.71 134.88 289.44

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS FTVIPT Franklin Real Estate Fund - Class 2 base contract with no optional riders $101.35 $135.90 $163.05 $243.25 optional Benefit Protector 103.91 143.63 175.97 269.25 optional Benefit Protector Plus 105.45 148.24 183.66 284.55 optional EDB 103.40 142.09 173.40 264.10 optional GMIB and EDB 106.55 151.79 190.01 299.65 FTVIPT Franklin Small Cap Fund - Class 2 base contract with no optional riders 103.09 141.16 171.85 261.00 optional Benefit Protector 105.66 148.86 184.68 286.57 optional Benefit Protector Plus 107.19 153.45 192.31 301.61 optional EDB 105.14 147.32 182.12 281.50 optional GMIB and EDB 108.29 157.01 198.68 316.77 FTVIPT Mutual Shares Securities Fund - Class 2 base contract with no optional riders 103.40 142.09 173.40 264.10 optional Benefit Protector 105.96 149.78 186.21 289.59 optional Benefit Protector Plus 107.50 154.37 193.83 304.59 optional EDB 105.45 148.24 183.66 284.55 optional GMIB and EDB 108.60 157.93 200.20 319.76 Goldman Sachs VIT CORE-SM- U.S. Equity Fund base contract with no optional riders 101.86 137.45 165.64 248.50 optional Benefit Protector 104.43 145.17 178.54 274.37 optional Benefit Protector Plus 105.96 149.78 186.21 289.59 optional EDB 103.91 143.63 175.97 269.25 optional GMIB and EDB 107.06 153.33 192.56 304.72 Goldman Sachs VIT Global Income Fund base contract with no optional riders 104.43 145.17 178.54 274.37 optional Benefit Protector 106.99 152.84 191.30 299.62 optional Benefit Protector Plus 108.53 157.43 198.89 314.46 optional EDB 106.48 151.31 188.76 294.62 optional GMIB and EDB 109.63 160.98 205.26 329.67 Goldman Sachs VIT Internet Tollkeeper Fund-SM- base contract with no optional riders 105.45 148.24 183.66 284.55 optional Benefit Protector 108.01 155.90 196.36 309.54 optional Benefit Protector Plus 109.55 160.48 203.92 324.24 optional EDB 107.50 154.37 193.83 304.59 optional GMIB and EDB 110.65 164.04 210.31 339.48 Goldman Sachs VIT Mid Cap Value Fund base contract with no optional riders 103.40 142.09 173.40 264.10 optional Benefit Protector 105.96 149.78 186.21 289.59 optional Benefit Protector Plus 107.50 154.37 193.83 304.59 optional EDB 105.45 148.24 183.66 284.55 optional GMIB and EDB 108.60 157.93 200.20 319.76 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS FTVIPT Franklin Real Estate Fund - Class 2 base contract with no optional riders $21.35 $65.90 $113.05 $243.25 optional Benefit Protector 23.91 73.63 125.97 269.25 optional Benefit Protector Plus 25.45 78.24 133.66 284.55 optional EDB 23.40 72.09 123.40 264.10 optional GMIB and EDB 26.55 81.79 140.01 299.65 FTVIPT Franklin Small Cap Fund - Class 2 base contract with no optional riders 23.09 71.16 121.85 261.00 optional Benefit Protector 25.66 78.86 134.68 286.57 optional Benefit Protector Plus 27.19 83.45 142.31 301.61 optional EDB 25.14 77.32 132.12 281.50 optional GMIB and EDB 28.29 87.01 148.68 316.77 FTVIPT Mutual Shares Securities Fund - Class 2 base contract with no optional riders 23.40 72.09 123.40 264.10 optional Benefit Protector 25.96 79.78 136.21 289.59 optional Benefit Protector Plus 27.50 84.37 143.83 304.59 optional EDB 25.45 78.24 133.66 284.55 optional GMIB and EDB 28.60 87.93 150.20 319.76 Goldman Sachs VIT CORE-SM- U.S. Equity Fund base contract with no optional riders 21.86 67.45 115.64 248.50 optional Benefit Protector 24.43 75.17 128.54 274.37 optional Benefit Protector Plus 25.96 79.78 136.21 289.59 optional EDB 23.91 73.63 125.97 269.25 optional GMIB and EDB 27.06 83.33 142.56 304.72 Goldman Sachs VIT Global Income Fund base contract with no optional riders 24.43 75.17 128.54 274.37 optional Benefit Protector 26.99 82.84 141.30 299.62 optional Benefit Protector Plus 28.53 87.43 148.89 314.46 optional EDB 26.48 81.31 138.76 294.62 optional GMIB and EDB 29.63 90.98 155.26 329.67 Goldman Sachs VIT Internet Tollkeeper Fund-SM- base contract with no optional riders 25.45 78.24 133.66 284.55 optional Benefit Protector 28.01 85.90 146.36 309.54 optional Benefit Protector Plus 29.55 90.48 153.92 324.24 optional EDB 27.50 84.37 143.83 304.59 optional GMIB and EDB 30.65 94.04 160.31 339.48 Goldman Sachs VIT Mid Cap Value Fund base contract with no optional riders 23.40 72.09 123.40 264.10 optional Benefit Protector 25.96 79.78 136.21 289.59 optional Benefit Protector Plus 27.50 84.37 143.83 304.59 optional EDB 25.45 78.24 133.66 284.55 optional GMIB and EDB 28.60 87.93 150.20 319.76

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) base contract with no optional riders $101.56 $136.52 $164.09 $245.35 optional Benefit Protector 104.12 144.24 177.00 271.30 optional Benefit Protector Plus 105.66 148.86 184.68 286.57 optional EDB 103.61 142.70 174.43 266.16 optional GMIB and EDB 106.76 152.40 191.03 301.68 MFS-Registered Trademark- Utilities Series - Initial Class base contract with no optional riders 101.97 137.76 166.16 249.54 optional Benefit Protector 104.53 145.47 179.05 275.39 optional Benefit Protector Plus 106.07 150.08 186.72 290.60 optional EDB 104.02 143.94 176.48 270.28 optional GMIB and EDB 107.17 153.63 193.07 305.73 Putnam VT International Growth Fund - Class IB Shares base contract with no optional riders 104.84 146.40 180.59 278.45 optional Benefit Protector 107.40 154.07 193.33 303.60 optional Benefit Protector Plus 108.94 158.65 200.90 318.38 optional EDB 106.89 152.54 190.79 298.62 optional GMIB and EDB 110.04 162.21 207.28 333.60 Putnam VT Vista Fund - Class IB Shares base contract with no optional riders 102.07 138.07 166.68 250.59 optional Benefit Protector 104.63 145.78 179.56 276.42 optional Benefit Protector Plus 106.17 150.39 187.23 291.61 optional EDB 104.12 144.24 177.00 271.30 optional GMIB and EDB 107.27 153.94 193.58 306.74 Wells Fargo VT Asset Allocation Fund base contract with no optional riders 102.89 140.54 170.82 258.92 optional Benefit Protector 105.45 148.24 183.66 284.55 optional Benefit Protector Plus 106.99 152.84 191.30 299.62 optional EDB 104.94 146.71 181.10 279.47 optional GMIB and EDB 108.09 156.39 197.66 314.77 Wells Fargo VT Corporate Bond Fund base contract with no optional riders 101.86 137.45 165.64 248.50 optional Benefit Protector 104.43 145.17 178.54 274.37 optional Benefit Protector Plus 105.96 149.78 186.21 289.59 optional EDB 103.91 143.63 175.97 269.25 optional GMIB and EDB 107.06 153.33 192.56 304.72 Wells Fargo VT Equity Income Fund base contract with no optional riders 102.89 140.54 170.82 258.92 optional Benefit Protector 105.45 148.24 183.66 284.55 optional Benefit Protector Plus 106.99 152.84 191.30 299.62 optional EDB 104.94 146.71 181.10 279.47 optional GMIB and EDB 108.09 156.39 197.66 314.77 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS MFS-Registered Trademark- Investors Trust Series - Initial Class (previously MFS-Registered Trademark- Growth with Income Series) base contract with no optional riders $21.56 $66.52 $114.09 $245.35 optional Benefit Protector 24.12 74.24 127.00 271.30 optional Benefit Protector Plus 25.66 78.86 134.68 286.57 optional EDB 23.61 72.70 124.43 266.16 optional GMIB and EDB 26.76 82.40 141.03 301.68 MFS-Registered Trademark- Utilities Series - Initial Class base contract with no optional riders 21.97 67.76 116.16 249.54 optional Benefit Protector 24.53 75.47 129.05 275.39 optional Benefit Protector Plus 26.07 80.08 136.72 290.60 optional EDB 24.02 73.94 126.48 270.28 optional GMIB and EDB 27.17 83.63 143.07 305.73 Putnam VT International Growth Fund - Class IB Shares base contract with no optional riders 24.84 76.40 130.59 278.45 optional Benefit Protector 27.40 84.07 143.33 303.60 optional Benefit Protector Plus 28.94 88.65 150.90 318.38 optional EDB 26.89 82.54 140.79 298.62 optional GMIB and EDB 30.04 92.21 157.28 333.60 Putnam VT Vista Fund - Class IB Shares base contract with no optional riders 22.07 68.07 116.68 250.59 optional Benefit Protector 24.63 75.78 129.56 276.42 optional Benefit Protector Plus 26.17 80.39 137.23 291.61 optional EDB 24.12 74.24 127.00 271.30 optional GMIB and EDB 27.27 83.94 143.58 306.74 Wells Fargo VT Asset Allocation Fund base contract with no optional riders 22.89 70.54 120.82 258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77 Wells Fargo VT Corporate Bond Fund base contract with no optional riders 21.86 67.45 115.64 248.50 optional Benefit Protector 24.43 75.17 128.54 274.37 optional Benefit Protector Plus 25.96 79.78 136.21 289.59 optional EDB 23.91 73.63 125.97 269.25 optional GMIB and EDB 27.06 83.33 142.56 304.72 Wells Fargo VT Equity Income Fund base contract with no optional riders 22.89 70.54 120.82 258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77

A TOTAL WITHDRAWAL AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Wells Fargo VT Equity Value Fund base contract with no optional riders $102.89 $140.54 $170.82 $258.92 optional Benefit Protector 105.45 148.24 183.66 284.55 optional Benefit Protector Plus 106.99 152.84 191.30 299.62 optional EDB 104.94 146.71 181.10 279.47 optional GMIB and EDB 108.09 156.39 197.66 314.77 Wells Fargo VT Growth Fund base contract with no optional riders 102.89 140.54 170.82 258.92 optional Benefit Protector 105.45 148.24 183.66 284.55 optional Benefit Protector Plus 106.99 152.84 191.30 299.62 optional EDB 104.94 146.71 181.10 279.47 optional GMIB and EDB 108.09 156.39 197.66 314.77 Wells Fargo VT International Equity Fund base contract with no optional riders 102.89 140.54 170.82 258.92 optional Benefit Protector 105.45 148.24 183.66 284.55 optional Benefit Protector Plus 106.99 152.84 191.30 299.62 optional EDB 104.94 146.71 181.10 279.47 optional GMIB and EDB 108.09 156.39 197.66 314.77 Wells Fargo VT Large Company Growth Fund base contract with no optional riders 102.89 140.54 170.82 258.92 optional Benefit Protector 105.45 148.24 183.66 284.55 optional Benefit Protector Plus 106.99 152.84 191.30 299.62 optional EDB 104.94 146.71 181.10 279.47 optional GMIB and EDB 108.09 156.39 197.66 314.77 Wells Fargo VT Money Market Fund base contract with no optional riders 101.35 135.90 163.05 243.25 optional Benefit Protector 103.91 143.63 175.97 269.25 optional Benefit Protector Plus 105.45 148.24 183.66 284.55 optional EDB 103.40 142.09 173.40 264.10 optional GMIB and EDB 106.55 151.79 190.01 299.65 Wells Fargo VT Small Cap Growth Fund base contract with no optional riders 104.94 146.71 181.10 279.47 optional Benefit Protector 107.50 154.37 193.83 304.59 optional Benefit Protector Plus 109.04 158.95 201.41 319.36 optional EDB 106.99 152.84 191.30 299.62 optional GMIB and EDB 110.14 162.51 207.79 334.59 NO WITHDRAWAL OR SELECTION OF AN ANNUITY PAYOUT PLAN AT THE END OF EACH TIME PERIOD 1 YEAR 3 YEARS 5 YEARS 10 YEARS Wells Fargo VT Equity Value Fund base contract with no optional riders $22.89 $70.54 $120.82 $258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77 Wells Fargo VT Growth Fund base contract with no optional riders 22.89 70.54 120.82 258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77 Wells Fargo VT International Equity Fund base contract with no optional riders 22.89 70.54 120.82 258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77 Wells Fargo VT Large Company Growth Fund base contract with no optional riders 22.89 70.54 120.82 258.92 optional Benefit Protector 25.45 78.24 133.66 284.55 optional Benefit Protector Plus 26.99 82.84 141.30 299.62 optional EDB 24.94 76.71 131.10 279.47 optional GMIB and EDB 28.09 86.39 147.66 314.77 Wells Fargo VT Money Market Fund base contract with no optional riders 21.35 65.90 113.05 243.25 optional Benefit Protector 23.91 73.63 125.97 269.25 optional Benefit Protector Plus 25.45 78.24 133.66 284.55 optional EDB 23.40 72.09 123.40 264.10 optional GMIB and EDB 26.55 81.79 140.01 299.65 Wells Fargo VT Small Cap Growth Fund base contract with no optional riders 24.94 76.71 131.10 279.47 optional Benefit Protector 27.50 84.37 143.83 304.59 optional Benefit Protector Plus 29.04 88.95 151.41 319.36 optional EDB 26.99 82.84 141.30 299.62 optional GMIB and EDB 30.14 92.51 157.79 334.59

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WBCA2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.91 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 130 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WBCA7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - BLUE CHIP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.92 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 364 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAR2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.83 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 13 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAR7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - CAPITAL RESOURCE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.83 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 66 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WDEI2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.08 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 3 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WDEI7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - DIVERSIFIED EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.08 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 98 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEXI2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.88 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 62 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEXI7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - EXTRA INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.90 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 175 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WFDI2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.05 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 331 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WFDI7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - FEDERAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.07 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 125 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WNDM2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-REGISTERED TRADEMARK-) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.86 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 483 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WNDM7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - NEW DIMENSIONS FUND-REGISTERED TRADEMARK-) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.86 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,038 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCA2(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.90 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 39 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCA7(1) (INVESTING IN SHARES OF AXP-Registered Trademark- VARIABLE PORTFOLIO - SMALL CAP ADVANTAGE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.90 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 9 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAP2(1) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.75 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 149 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCAP7(1) (INVESTING IN SHARES OF AIM V.I. CAPITAL APPRECIATION FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.75 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,707 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WVAL2(1) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.81 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,483 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WVAL7(1) (INVESTING IN SHARES OF AIM V.I. VALUE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.81 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 5,982 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSRG2(1) (INVESTING IN SHARES OF THE DREYFUS SOCIALLY RESPONSIBLE GROWTH FUND, INC. - INITIAL SHARE CLASS) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.90 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 71 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSRG7(1) (INVESTING IN SHARES OF THE DREYFUS SOCIALLY RESPONSIBLE GROWTH FUND, INC. - INITIAL SHARE CLASS) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.90 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 834 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WISE2(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN INCOME SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.99 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 177 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WISE7(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN INCOME SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.16 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 102 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WRES2(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.18 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WRES7(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN REAL ESTATE FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.34 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 24 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSMC2(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN SMALL CAP FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.60 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 258 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSMC7(1) (INVESTING IN SHARES OF FTVIPT FRANKLIN SMALL CAP FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.66 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,378 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMSS2(1) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.11 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 3 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMSS7(1) (INVESTING IN SHARES OF FTVIPT MUTUAL SHARES SECURITIES FUND - CLASS 2) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.18 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 245 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUSE2(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.91 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 144 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUSE7(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT CORE-SM- U.S. EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.92 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 730 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGLI2(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.06 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 184 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGLI7(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT GLOBAL INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.07 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 93 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WITO2(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.67 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 45 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WITO7(2) (INVESTING IN SHARES OF GOLDMAN SACHS VIT INTERNET TOLLKEEPER FUND-SM-) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.67 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 310 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMCV2(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT MID CAP VALUE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.41 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 37 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMCV7(1) (INVESTING IN SHARES OF GOLDMAN SACHS VIT MID CAP VALUE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.42 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 593 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGIS2(1) (INVESTING IN SHARES OF MFS-Registered Trademark- INVESTORS TRUST SERIES - INITIAL CLASS(3)) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.02 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 57 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGIS7(1) (INVESTING IN SHARES OF MFS-Registered Trademark- INVESTORS TRUST SERIES - INITIAL CLASS(3)) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.03 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 488 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUTS2(1) (INVESTING IN SHARES OF MFS-Registered Trademark- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.85 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 366 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WUTS7(1) (INVESTING IN SHARES OF MFS-Registered Trademark- UTILITIES SERIES - INITIAL CLASS) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.93 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,220 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIGR2(1) (INVESTING IN SHARES OF PUTNAM VT INTERNATIONAL GROWTH FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.75 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 499 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIGR7(1) (INVESTING IN SHARES OF PUTNAM VT INTERNATIONAL GROWTH FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.83 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,927 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WVIS2(1) (INVESTING IN SHARES OF PUTNAM VT VISTA FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.73 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 384 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WVIS7(1) (INVESTING IN SHARES OF PUTNAM VT VISTA FUND - CLASS IB SHARES) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.75 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 3,180 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WAAL2(1) (INVESTING IN SHARES OF WELLS FARGO VT ASSET ALLOCATION FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.98 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,029 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WAAL7(1) (INVESTING IN SHARES OF WELLS FARGO VT ASSET ALLOCATION FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.99 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,012 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCBD2(1) (INVESTING IN SHARES OF WELLS FARGO VT CORPORATE BOND FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.06 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 793 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WCBD7(1) (INVESTING IN SHARES OF WELLS FARGO VT CORPORATE BOND FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.08 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 408 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQI2(1) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.12 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 123 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQI7(1) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY INCOME FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.13 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,204 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQV2(1) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY VALUE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.09 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 302 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WEQV7(1) (INVESTING IN SHARES OF WELLS FARGO VT EQUITY VALUE FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.09 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 213 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGRO2(1) (INVESTING IN SHARES OF WELLS FARGO VT GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.87 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 117 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

YEAR ENDED DEC. 31, 2000 1999 1998 1997 1996 1995 ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WGRO7(1) (INVESTING IN SHARES OF WELLS FARGO VT GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.87 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 266 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIEQ2(4) (INVESTING IN SHARES OF WELLS FARGO VT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.89 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) -- -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WIEQ7(4) (INVESTING IN SHARES OF WELLS FARGO VT INTERNATIONAL EQUITY FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.89 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 111 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WLCG2(1) (INVESTING IN SHARES OF WELLS FARGO VT LARGE COMPANY GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.95 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 1,454 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WLCG7(1) (INVESTING IN SHARES OF WELLS FARGO VT LARGE COMPANY GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.95 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 7,702 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMMK2(1) (INVESTING IN SHARES OF WELLS FARGO VT MONEY MARKET FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.02 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 668 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WMMK7(1) (INVESTING IN SHARES OF WELLS FARGO VT MONEY MARKET FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $1.04 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 317 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCG2(1) (INVESTING IN SHARES OF WELLS FARGO VT SMALL CAP GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.56 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 393 -- -- -- -- -- Ratio of operating expense to average net assets 1.65% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------ SUBACCOUNT WSCG7(1) (INVESTING IN SHARES OF WELLS FARGO VT SMALL CAP GROWTH FUND) Accumulation unit value at beginning of period $1.00 -- -- -- -- -- Accumulation unit value at end of period $0.56 -- -- -- -- -- Number of accumulation units outstanding at end of period (000 omitted) 2,319 -- -- -- -- -- Ratio of operating expense to average net assets 1.20% -- -- -- -- -- ------------------------------------------------------------------------------------------------------------------------------------

---------- ---------------------------------- ------------------------------------------------- ------------------------------------ SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WBCA2 AXP-Registered Trademark- Objective: long-term total return exceeding IDS Life Insurance Company (IDS WBCA4 Variable Portfolio - Blue Chip that of the U.S. stock market. Invests Life), investment manager; American WBCA5 Advantage Fund primarily in common stocks of companies Express Financial Corporation WBCA7 included in the unmanaged S&P 500 Index. (AEFC), investment advisor. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ ECR AXP-Registered Trademark- Objective: capital appreciation. Invests IDS Life, investment manager; AEFC, WCAR2 Variable Portfolio - Capital primarily in U.S. common stocks and other investment advisor. WCAR4 Resource Fund securities convertible into common stocks. WCAR7 ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WDEI2 AXP-Registered Trademark- Objective: a high level of current income and, IDS Life, investment manager; AEFC, WDEI4 Variable Portfolio - Diversified as a secondary goal, steady growth of capital. investment advisor. WDEI5 Equity Income Fund Invests primarily in dividend-paying common and WDEI7 preferred stocks. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ EIA AXP-Registered Trademark- Objective: high current income, with capital IDS Life, investment manager; AEFC, WEXI2 Variable Portfolio - Extra growth as a secondary objective. Invests investment advisor. WEXI4 Income Fund primarily in high-yielding, high-risk corporate WEXI7 bonds issued by U.S. and foreign companies and governments. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WFDI2 AXP-Registered Trademark- Objective: a high level of current income and IDS Life, investment manager; AEFC, WFDI4 Variable Portfolio - Federal safety of principal consistent with an investment advisor. WFDI5 Income Fund investment in U.S. government and government WFDI7 agency securities. Invests primarily in debt obligations issued or guaranteed as to principal and interest by the U.S. government, its agencies or instrumentalities. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ EGD AXP-Registered Trademark- Objective: long-term growth of capital. Invests IDS Life, investment manager; AEFC, WNDM2 Variable Portfolio - New primarily in common stocks of U.S. and foreign investment advisor. WNDM4 Dimensions Fund-Registered companies showing potential for significant WNDM7 Trademark- growth. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WSCA2 AXP-Registered Trademark- Objective: long-term capital growth. Invests IDS Life, investment manager; AEFC, WSCA4 Variable Portfolio - Small Cap primarily in equity stocks of small companies investment advisor; Kenwood Capital WSCA5 Advantage Fund that are often included in the S&P SmallCap 600 Management LLC, sub-investment WSCA7 Index or the Russell 2000 Index. advisor. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ ECA AIM V.I. Capital Appreciation Objective: growth of capital. Invests mainly in A I M Advisors, Inc. WCAP2 Fund common stocks of companies likely to benefit WCAP4 from new or innovative products, services or WCAP7 processes as well as those with above-average growth and excellent prospects for future growth. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------

---------- ---------------------------------- ------------------------------------------------- ------------------------------------ SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ EVA AIM V.I. Value Fund Objective: long-term growth of capital with A I M Advisors, Inc. WVAL2 income as a secondary objective. Invests WVAL4 primarily in equity securities judged to be WVAL7 undervalued relative to the investment advisor's appraisal of the current or projected earnings of the companies issuing the securities, or relative to current market values of assets owned by the companies issuing the securities, or relative to the equity market generally. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ ESR The Dreyfus Socially Responsible Objective: capital growth, with current income The Dreyfus Corporation, investment WSRG2 Growth Fund, Inc. - Initial as a secondary objective. Invests primarily in advisor; NCM Capital Management WSRG4 Share Class the common stock of companies that, in the Group, Inc., sub-investment advisor. WSRG7 opinion of the fund's management, meet traditional investment standards and conduct their business in a manner that contributes to the enhancement of the quality of life in America. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WDYC2 Fidelity VIP Dynamic Capital Objective: capital appreciation. Invests Fidelity Management & Research WDYC4 Appreciation Portfolio (Service primarily in growth or value common stocks of Company (FMR), investment manager; WDYC5 Class 2) domestic and foreign issuers. FMR U.K., FMR Far East, Fidelity WDYC7 Investments Japan Limited (FIJ) and FMR Co. Inc. (FMRC), sub-investment advisors ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WHIP2 Fidelity VIP High Income Objective: high level of current income while FMR, investment manager; FMR U.K., WHIP4 Portfolio (Service Class 2) also considering growth of capital. Invests FMR Far East, FIJ and FMRC, WHIP5 primarily in foreign and domestic issued sub-investment advisors. WHIP7 income-producing debt securities, preferred stocks and convertible securities, with an emphasis on lower-quality debt securities. Invests in companies in troubled or uncertain financial condition. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WMDC2 Fidelity VIP Mid Cap Portfolio Objective: long-term growth of capital. Invests FMR, investment manager; FMR U.K., WMDC4 (Service Class 2) primarily in medium market capitalization FMR Far East, FIJ and FMRC, WMDC5 common stocks. sub-investment advisors. WMDC7 ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WISE2 FTVIPT Franklin Income Objective: maximize income while maintaining Franklin Advisers, Inc. WISE4 Securities Fund - Class 2 prospects for capital appreciation. Invests WISE5 primarily in a diversified portfolio of debt WISE7 and equity securities, including high yield, lower-rated "junk bonds." ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ ERE FTVIPT Franklin Real Estate Fund Objective: capital appreciation with a Franklin Advisers, Inc. WRES2 - Class 2 secondary goal to earn current income. Invests WRES4 primarily in equity securities of companies WRES7 operating in the real estate industry, primarily equity real estate investment trusts (REITS). ---------- ---------------------------------- ------------------------------------------------- ------------------------------------

---------- ---------------------------------- ------------------------------------------------- ------------------------------------ SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WSMC2 FTVIPT Franklin Small Cap Fund - Objective: long-term capital growth. Invests Franklin Advisers, Inc. WSMC4 Class 2 primarily in equity securities of U.S. small WSMC5 capitalization (small cap) companies with WSMC7 market cap values not exceeding (i) $1.5 billion, or (ii) the highest market cap value in the Russell 2000-Registered Trademark- Index, whichever is greater, at the time of purchase. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ EMU FTVIPT Mutual Shares Securities Objective: capital appreciation, with income as Franklin Mutual Advisers, LLC WMSS2 Fund - Class 2 a secondary goal. Invests primarily in equity WMSS4 securities of companies that the manager WMSS7 believes are available at market prices less than their value based on certain recognized or objective criteria (intrinsic value). ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ JUS Goldman Sachs VIT CORE-SM- U.S. Objective: seeks long-term growth of capital Goldman Sachs Asset Management WUSE2 Equity Fund and dividend income. Invests primarily in a WUSE4 broadly diversified portfolio of large-cap and WUSE7 blue chip equity securities representing all major sectors of the U.S. economy. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ JGL Goldman Sachs VIT Global Income Objective: seeks high total return, emphasizing Goldman Sachs Asset Management WGLI2 Fund current income, and, to a lesser extent, International WGLI4 providing opportunities for capital WGLI7 appreciation. Invests primarily in a portfolio of high quality fixed-income securities of U.S. and foreign issuers and enters into transactions in foreign currencies. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WITO2 Goldman Sachs VIT Internet Objective: seeks long-term growth of capital. Goldman Sachs Asset Management WITO4 Tollkeeper Fund-SM- Invests primarily in equity securities of WITO5 companies the investment adviser believes will WITO7 benefit from the growth of the Internet by providing access, infrastructure, content and services to Internet companies and customers. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ JMC Goldman Sachs VIT Mid Cap Value Objective: seeks long-term capital Goldman Sachs Asset Management WMCV2 Fund appreciation. Invests primarily in WMCV4 mid-capitalization companies within the range WMCV7 of the market capitalization of companies constituting the Russell Midcap Value index at the time of investment. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ WGIS2 MFS-Registered Trademark- Objective: long-term growth of capital with a MFS Investment Management-Registered WGIS4 Investors Trust Series - Initial secondary objective to seek reasonable current Trademark- WGIS5 Class (previously MFS-Registered income. Invests primarily in common stocks and WGIS7 Trademark- Growth with Income related securities, such as preferred stocks, Series) convertible securities and depositary receipts for those securities. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ EUT MFS-Registered Trademark- Objective: capital growth and current income. MFS Investment Management-Registered WUTS2 Utilities Series - Initial Class Invests primarily in equity and debt securities Trademark- WUTS4 of domestic and foreign companies in the WUTS7 utilities industry. ---------- ---------------------------------- ------------------------------------------------- ------------------------------------

---------- ---------------------------------- ------------------------------------------------- ------------------------------------ SUBACCOUNT INVESTING IN INVESTMENT OBJECTIVES AND POLICIES INVESTMENT ADVISOR OR MANAGER ---------- ---------------------------------- ------------------------------------------------- ------------------------------------ EPL Putnam VT International Growth Objective: capital appreciation. Invests Putnam Investment Management, LLC WIGR2 Fund - Class IB Shares mainly in growth stocks outside the United WIGR4 States that reflect a value lower than that WIGR7 which Putnam Management places on the company or whose earnings we believe are likely to grow over time. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- EPT Putnam VT Vista Fund - Class IB Objective: capital appreciation. Invests Putnam Investment Management, LLC WVIS2 Shares mainly in common stocks of mid-sized U.S. WVIS4 companies with a focus on growth stocks. WVIS7 ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WAAL2 Wells Fargo VT Asset Allocation Objective: long-term total return, consistent Wells Fargo Funds Management, LLC, WAAL4 Fund with reasonable risk. Invests primarily in the advisor; Barclays Global Fund WAAL5 securities of various indexes to replicate the Advisors, sub-advisor. WAAL7 total return of the index. We use an asset allocation model to allocate and reallocate assets among common stocks (S&P 500 Index), U.S. Treasury bonds (Lehman Brothers 20+ Bond Index) and money market instruments, operating from a target allocation of 60% stocks and 40% bonds. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WCBD2 Wells Fargo VT Corporate Bond Objective: high level of current income Wells Fargo Funds Management, LLC, WCBD4 Fund consistent with reasonable risk. Invests advisor; Wells Capital Management WCBD5 primarily in corporate debt securities of any Incorporated, sub-advisor. WCBD7 maturity. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WEQI2 Wells Fargo VT Equity Income Objective: long-term capital appreciation and Wells Fargo Funds Management, LLC, WEQI4 Fund above-average dividend income. Invests advisor; Wells Capital Management WEQI5 primarily in common stocks of large, Incorporated, sub-advisor. WEQI7 high-quality domestic companies with above-average return potential and above-average dividend income. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WEQV2 Wells Fargo VT Equity Value Fund Objective: long-term capital appreciation. Wells Fargo Funds Management, LLC, WEQV4 Invests primarily in equity securities that we advisor; Wells Capital Management WEQV5 believe are undervalued in relation to the Incorporated, sub-advisor. WEQV7 overall stock markets. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WGRO2 Wells Fargo VT Growth Fund Objective: long-term capital appreciation. Wells Fargo Funds Management, LLC, WGRO4 Invests primarily in common stocks and other advisor; Wells Capital Management WGRO5 equity securities. We look for companies that Incorporated, sub-advisor. WGRO7 have a strong earnings growth trend that we believe have above-average prospects for future growth. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WIEQ2 Wells Fargo VT International Objective: total return with an emphasis on Wells Fargo Funds Management, LLC, WIEQ4 Equity Fund capital appreciation over the long-term. advisor; Wells Capital Management WIEQ5 Invests primarily in equity securities of Incorporated, sub-advisor. WIEQ7 non-U.S. companies. ---------- ---------------------------------- ------------------------------------------------ ------------------------------------- WLCG2 Wells Fargo VT Large Company Objective: long-term capital appreciation. Wells Fargo Funds Management, LLC, WLCG4 Growth Fund Invests primarily in common stock of large, advisor; Peregrine Capital WLCG5 high-quality domestic companies that have Management, Inc., sub-advisor. WLCG7 superior growth potential. ---------- ---------------------------------- ------------------------------------------------ -------------------------------------

IF YOUR GPA RATE IS: THE MVA IS: Less than the new GPA rate + 0.10% Negative Equal to the new GPA rate + 0.10% Zero Greater than the new GPA rate + 0.10% Positive

MINIMUM PURCHASE PAYMENTS: If paying by SIP(1): $50 initial payment. $50 for additional payments. If paying by any other method: $5,000 initial payment for contracts issued in South Carolina, Texas and Washington. $2,000 initial payment for contracts issued in all other states. $100 for additional payments. (1) Payments made using SIP must total $2,000 before you can make partial withdrawals. MAXIMUM TOTAL ALLOWABLE PURCHASE PAYMENTS(2) (WITHOUT PRIOR APPROVAL): $99,999 for contracts issued through AEFA. $1,000,000 for all other contracts.

WITHDRAWAL CHARGE EXPLANATION $ 0 $5,773.20 is 15% of the prior anniversary's contract value withdrawn without withdrawal charge; and 0 $8,327.80 is contract earnings in excess of the 15% free withdrawal amount withdrawn without withdrawal charge; and 0 $10,000 Nov. 1, 2001 payment was received eight or more years before withdrawal and is withdrawn without withdrawal charge; and 480 $8,000 Dec. 31, 2007 payment is in its fourth year from receipt, withdrawn with a 6% withdrawal charge; and 420 $6,000 Feb. 20, 2009 payment is in its third year from receipt ----- withdrawn with a 7% withdrawal charge. $900

By investing an equal number NUMBER of dollars each month... AMOUNT ACCUMULATION OF UNITS MONTH INVESTED UNIT VALUE PURCHASED you automatically buy Jan $100 $20 5.00 more units when the Feb 100 18 5.56 per unit market price is low... Mar 100 17 5.88 Apr 100 15 6.67 May 100 16 6.25 and fewer units Jun 100 18 5.56 when the per unit Jul 100 17 5.88 market price is high. Aug 100 19 5.26 Sept 100 21 4.76 Oct 100 20 5.00

IF YOUR NET CONTRACT VALUE(1) IS ... WE ALLOCATE YOUR NEW PURCHASE PAYMENTS TO: $10,000 - $49,999 Tier 1 DCA account $50,000 or more Tier 2 DCA account(2)

IF YOU AND THE ANNUITANT ARE UNDER IF YOU OR THE ANNUITANT ARE AGE 70 CONTRACT YEAR AGE 70 ON THE RIDER EFFECTIVE DATE, ADD... OR OLDER ON THE RIDER EFFECTIVE DATE, ADD... 1 Zero Zero 2 40% x earnings at death (see above) 15% x earnings at death 3 & 4 40% x (earnings at death + 25% of 15% x (earnings at death + 25% of initial purchase payment*) initial purchase payment*) 5+ 40% x (earnings at death + 50% of 15% x (earnings at death + 50% of initial purchase payment*) initial purchase payment*)

CONTRACT GMIB ANNIVERSARY CONTRACT VALUE MAV 5% RISING FLOOR BENEFIT BASE 1 $107,000 $107,000 $105,000 2 125,000 125,000 110,250 3 132,000 132,000 115,763 4 150,000 150,000 121,551 5 85,000 150,000 127,628 6 120,000 150,000 134,010 7 138,000 150,000 140,710 8 152,000 152,000 147,746 9 139,000 152,000 155,133 10 126,000 152,000 162,889 $162,889 11 138,000 152,000 171,034 171,034 12 147,000 152,000 179,586 179,586 13 163,000 163,000 188,565 188,565 14 159,000 163,000 197,993 197,993 15 212,000 212,000 207,893 212,000

MINIMUM GUARANTEED MONTHLY INCOME CONTRACT PLAN A - PLAN B - PLAN D - JOINT AND ANNIVERSARY GMIB LIFE ANNUITY-- LIFE ANNUITY WITH LAST SURVIVOR LIFE AT EXERCISE BENEFIT BASE NO REFUND TEN YEARS CERTAIN ANNUITY-- NO REFUND 10 $162,889 (5% rising floor) $ 848.65 $ 825.85 $675.99 15 212,000 (MAV) 1,263.52 1,204.16 977.32

CONTRACT GMIB FEE VALUE ON WHICH WE GMIB FEE ANNIVERSARY CONTRACT VALUE PERCENTAGE BASE THE GMIB FEE CHARGED TO YOU 1 $ 80,000 0.30% 5% rising floor = $100,000 x 1.05 $315 2 150,000 0.30% Contract value = $150,000 450 3 102,000 0.30% MAV = $150,000 450

NAME OF INDIVIDUAL OR NUMBER IN GROUP POSITION HELD CASH COMPENSATION Five most highly compensated executive officers as a group: $8,138,209 Stephen W. Roszell President and Chief Executive Officer Richard W. Kling Chairman of the Board Lorraine R. Hart Vice President - Investments David M. Kuplic Assistant Vice President - Investments Stuart A. Sedlacek Executive Vice President All executive officers as a group (11) $11,289,475

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