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assumptions, Option 1 might result in higher expenses. In addition, the Examples assume no transfers were made and no premium taxes were deducted. If these arrangements were considered, the expenses shown would be higher. The Examples also do not take into consideration any fee waiver or expense reimbursement arrangements of the Eligible Funds. If these arrangements were taken into consideration, the expenses shown would be lower.

Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

(1) If you surrender your Certificate at the end of the applicable time period:

1 year

3 years

5 years

10 years

$1,138

$1,813

$2,499

$4,663

(2) If you annuitize your Certificate OR if you do not surrender your Certificate at the end of the applicable time period:

1 year

3 years

5 years

10 years

$338

$1,100

$1,966

$4,663

The Examples do not show the effect of premium taxes. Premium taxes (ranging from 0% to 3.5%) are deducted from Certificate Value upon full surrender, death or annuitization. The Examples also do not include any of the taxes or penalties you may be required to pay if you surrender your Certificate.

The Fee Table and Examples should not be considered a representation of past or future expenses and charges of the Sub-accounts. Your actual expenses may be greater or less than those shown. Similarly, the 5% annual rate of return assumed in the Examples are not an estimate or a guarantee of future investment performance. For more information about the expenses of the Eligible Funds, including a description of any applicable fee waiver or expense reimbursement arrangement, see the prospectuses for the Eligible Funds.

CONDENSED FINANCIAL INFORMATION

Sub-account

Accumulation Unit Value Beginning of Year**

AIM Capital Appreciation Fund

$10.535 10.019 7.843 10.514 12.303

AIM International Growth Fund

10.829 8.855 6.957 8.366 9.791

AIM Core Equity Fund

7.240 6.941 5.627 8.818 9.083

AllianceBernstein VP Growth and Income Portfolio

11.590 10.567 8.106 10.574 10.944

12.595

190,376

2005

10.829

210,825

2004

8.855

225,878

2003

6.957

247,020

2002

8.366

230,872

2001

Accumulation

Number of

Unit Value End

Accumulation Units End

of Year

of Year

11.956

258,937

2005

11.590

265,159

2004

10.567

259,917

2003

8.106

219,837

2002

10.574

385,305

2001

$11.308

89,848

2005

10.535

92,789

2004

10.019

78,300

2003

7.843

83,407

2002

10.514

85,420

2001

7.544

145,196

2005

7.240

150,469

2004

6.941

127,000

2003

5.627

153,184

2002

8.818

137,069

2001

Accumulation Unit Values*

Year

9

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