Investment Option Performance
Average Annual Total Return as of November 19, 2009

Performance reports available via this website are authorized for use with prospective investors only when accompanied or preceded by current product and fund prospectuses containing detailed information about the policy, investment, limitations and risks. You may access all prospectuses via this website or by contacting us; our address and telephone number are listed elsewhere in this website. Please read the prospectuses carefully before you invest or send any money. More information about the risks of certain investments and about total return performance reports is at the end of this screen.

  

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 Fred Alger Management Inc.
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
American Balanced O   10.971469   0.12%   8.02%   27.02%   37.24%   -1.07%   2.10%   1.23%*
  09/05/1989
American Capital Appreciation O   43.666129   -0.84%   11.26%   39.57%   53.22%   -8.96%   -4.95%   -13.39%*
  01/25/1995
Ameritas MidCap Growth   24.110697   -3.45%   10.09%   45.56%   73.74%   -5.55%   0.91%   2.59%*
  11/01/1999

 American Century
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
VP Mid Cap Value I   12.022831   -1.42%   8.58%   22.97%   42.54%   -3.02%   N/A   3.93%
  12/01/2004

 Calvert
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Ameritas Small Company Equity   15.590932   -5.13%   7.24%   18.02%   37.05%   -6.15%   -1.79%   5.55%
  01/02/2001
Income   16.908008   0.62%   5.18%   19.40%   20.28%   3.05%   3.36%   5.15%
  04/30/2002
Social Balanced   1.610719   -1.02%   6.92%   22.31%   28.58%   -5.06%   -0.23%   -0.24%*
  09/02/1986
Social Equity   17.086861   -1.27%   9.82%   30.61%   43.63%   -3.13%   1.27%   1.80%
  04/30/2002
Social International Equity   12.070120   -4.62%   6.35%   20.63%   40.93%   -12.09%   -1.04%   -2.37%*
  06/30/1992

 DWS Scudder
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Capital Growth VIP A   16.504649   0.06%   9.38%   21.84%   32.50%   -3.18%   1.56%   -2.85%*
  07/16/1985
Dreman Small Mid Value VIP A   9.750878   -4.35%   10.42%   22.99%   50.63%   -5.40%   3.53%   8.19%*
  05/01/1996
Global Thematic VIP A   8.172849   -1.28%   10.80%   39.98%   64.36%   -7.27%   4.72%   2.72%*
  05/01/1998

 Eagle Asset Management Inc.
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Ameritas Small Capitalization   29.358973   -4.30%   8.44%   24.54%   46.86%   -4.63%   2.13%   -5.38%*
  11/01/1999

 Fidelity Investments
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
VIP Contrafund IC   20.294697   -2.48%   9.22%   29.99%   47.52%   -4.47%   3.07%   2.45%*
  01/03/1995
VIP Equity-Income IC   17.498072   -1.74%   9.53%   27.77%   47.34%   -9.14%   -0.89%   0.84%*
  10/09/1986
VIP High Income IC   6.208737   0.85%   6.80%   38.44%   38.82%   2.23%   3.68%   1.45%*
  09/19/1985
VIP Investment Grade Bond IC   13.685779   1.18%   3.80%   15.62%   19.36%   4.82%   3.98%   5.42%*
  12/05/1988
VIP Mid Cap IC   25.444852   -1.56%   11.90%   37.44%   59.64%   -1.38%   5.64%   10.66%*
  12/28/1998
VIP Overseas IC   15.807069   -2.80%   10.24%   24.65%   45.08%   -5.04%   3.38%   0.17%*
  01/28/1987
VIP Strategic Income IC   12.168126   0.81%   6.17%   28.17%   34.23%   6.53%   6.00%   6.13%
  12/23/2003

 Franklin Templeton
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Franklin Income Securities 2   14.682071   0.38%   7.50%   29.51%   40.29%   -1.69%   2.63%   6.57%*
  01/06/1999

 Invesco Aim Advisors Inc.
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
V.I. Global Real Estate I   11.773347   -2.36%   11.17%   27.59%   61.34%   -10.75%   2.73%   10.58%*
  03/31/1998
V.I. International Growth I   25.613446   -0.09%   11.35%   31.45%   50.84%   -2.10%   7.01%   1.51%*
  05/05/1993
V.I. Small Cap Equity I   11.942254   -7.94%   1.08%   12.48%   30.74%   -7.65%   0.99%   3.50%
  08/29/2003

 Ivy Funds
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
VIP Science and Technology   15.270002   -2.93%   6.93%   33.69%   57.09%   2.32%   7.24%   0.68%*
  04/04/1997

 MFS Investment Management
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
VIT Research International IC   11.527608   -2.04%   11.60%   29.70%   55.28%   -4.49%   N/A   4.97%
  04/29/2005
VIT Total Return IC   17.885919   -0.80%   5.75%   16.02%   27.05%   -2.00%   1.64%   3.61%*
  01/03/1995
VIT Utilities IC   22.898830   -2.43%   7.43%   25.58%   38.54%   0.92%   9.68%   5.56%*
  01/03/1995
VIT Value IC   11.607094   -1.59%   7.38%   18.96%   37.13%   -4.55%   2.41%   3.57%
  01/02/2002

 Neuberger Berman Management Inc.
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
AMT Guardian I   15.278876   -2.24%   6.82%   22.75%   35.14%   -6.11%   0.42%   0.74%*
  11/03/1997

 Oppenheimer
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Global Securities/VA Non-Service   27.567563   -1.12%   11.18%   36.44%   61.13%   -4.31%   3.89%   4.66%*
  11/30/1990

 PIMCO
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Total Return Adm   11.753322   0.97%   3.53%   13.77%   18.01%   5.44%   2.16%   1.74%*
  12/31/1997

 RiverSource
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Ameritas Midcap Value   14.715786   -2.65%   9.75%   31.87%   55.31%   -8.45%   -1.18%   2.72%
  01/02/2001

 Summit Investment Partners Inc.
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Barclays Aggregate Bond Index   53.796673   0.87%   2.18%   4.88%   9.62%   5.80%   4.28%   3.76%
  03/31/2003
EAFE International Index   73.749270   -2.66%   9.29%   26.75%   49.04%   -6.04%   2.87%   7.69%
  11/12/2002
Inflation Protected Plus   53.681014   1.23%   3.20%   8.06%   11.13%   N/A   N/A   5.10%
  12/28/2006
Lifestyle ETF Aggressive   43.714783   -0.65%   7.86%   17.73%   33.08%   N/A   N/A   -4.40%
  12/28/2006
Lifestyle ETF Conservative   49.616170   0.14%   5.31%   11.43%   23.08%   N/A   N/A   0.32%
  12/28/2006
Lifestyle ETF Target   45.471654   -0.23%   6.64%   15.41%   29.59%   N/A   N/A   -3.51%
  12/28/2006
NASDAQ-100 Index   24.209142   0.93%   10.89%   45.52%   62.07%   -1.24%   1.88%   -7.69%
  04/27/2000
Natural Resources   46.451802   -1.66%   9.52%   27.33%   33.22%   N/A   N/A   -2.95%
  12/28/2006
Russell 2000 Small Cap Index   48.559291   -5.95%   4.16%   17.36%   42.41%   -9.25%   -0.86%   1.99%
  04/27/2000
S&P 500 Index   72.943661   -0.14%   10.13%   22.80%   37.89%   -6.71%   -0.26%   -1.89%*
  12/29/1995
S&P MidCap 400 Index   52.766098   -3.34%   7.97%   28.81%   52.91%   -4.86%   2.05%   4.65%*
  05/03/1999
Zenith   61.360435   -0.41%   10.01%   23.19%   40.21%   -8.38%   0.15%   3.80%*
  08/15/1984

 T. Rowe Price
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Blue Chip Growth-II   9.134269   -0.27%   10.94%   36.17%   53.69%   -4.35%   0.47%   1.34%
  04/30/2002
Equity Income-II   17.577451   -1.03%   8.99%   21.93%   39.65%   -7.04%   0.02%   1.85%
  04/30/2002

 Third Avenue Management
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Value   16.446483   -3.00%   9.21%   36.98%   60.06%   -9.61%   0.06%   8.53%*
  09/14/1999

 Thornburg
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Ameritas Core Strategies   16.938810   0.18%   8.78%   38.36%   58.82%   -4.20%   3.54%   -4.05%*
  11/01/1999

 The Universal Institutional Funds Inc.
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Emerging Markets Equity I   12.687507   -0.37%   16.52%   65.68%   100.65%   2.96%   14.26%   7.51%*
  10/01/1996

 Calvert
Investment Option Unit
Price		   1
Month**		   3
Month**		   Year to
Date**		   1
Year		   3
Year		   5
Year		   10 Year
(or life of fund)		   Inception
Date
Ameritas Money Market   1.002717   -0.03%   -0.07%   0.20%   0.38%   2.43%   2.65%   2.42%*
  10/29/1999


Current earnings for this portfolio are more closely reflected in the yield, quoted below, than the total return quoted above.
Ameritas Money Market: as of date shown above 7-Day Yield -0.41%, effective yield -0.41%
Ameritas Fixed Account current rate 4.50%


* 10-year figure
** Returns are cumulative, not average annual
*** Initial rates guaranteed from policy date until policy anniversary. Thereafter, all amounts will earn the interest rate declared in the month of the last policy anniversary.

Risks of Certain Kinds of Portfolios
Money Market Risk. Money market investment options are not insured or guaranteed by the Federal Deposit Insurance Corporation "FDIC" or any other governmental agency. Although the portfolio seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in this portfolio.

Overseas/emerging market, sector, and high income and small cap portfolios involve additional risk than may exist in portfolios investing in larger, more established or diversified companies in established countries. More information about the specific risks involved can be found in each such portfolio's prospectus and by clicking on the fund portfolio name, above. The prospectuses for all of the portfolios available through the policy may be downloaded from this website, or contact us to send you a free copy.

Performance Data
The above performance returns reflect fees and charges assessed by the fund companies and current mortality and expenses and administrative risk charges deducted from separate account assets. Some portfolio advisors have agreed to limit their expenses; without these limits, performance would have been lower. The above returns do not reflect the individual cost of insurance, monthly administrative, or surrender charges associated with the policy and levied on total policy value, or premium taxes levied by some states. Had these fees and charges been deducted, the performance quoted would have been lower. Yields shown are "annualized" yields. This means income generated during the measured seven days is assumed to be generated each week over a 52 week period, and not reinvested, and is shown as a percentage of the investment.

We encourage you to obtain a personalized illustration which reflects all charges of the policy and the impact of those charges upon performance; contact your registered representative or us. See the prospectus for detailed information about policy charges and fund expenses.

Inception date is the date the underlying portfolio was established. Performance data will be calculate based on the performance of the underlying portfolio and the assumption that the subaccounts were in existence for the same periods as those indicated for the underlying portfolio with the level of policy charges that were in effect at the inception of the subaccount.

The performance data quoted represents past performance. Past performance is no guarantee of future results. The return and principal value of an investment will fluctuate so that investor's shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower or higher than performance data quoted.

Risks of Certain Kinds of Portfolios
Investment options are subject to market risk, which is the possibility that the market values of securities owned by the portfolio will decline and that the value of portfolio shares may therefore be less than what you paid for them. Accordingly, you can lose money investing in any investment option. Please be aware that some portfolios are subject to additional risks, which may include:

High Yield Risk. Investment options that may invest up to 100% of net assets in lower rated bonds, commonly known as "junk bonds," entail greater risk than those portfolios that invest in higher rated securities.

International/Global/Emerging Markets Risk. International and global investment options involve risks associated with changes in currency values, economic, political and social uncertainty and market price swings. International and global portfolios may exhibit greater volatility of returns in the short-term. Risks that may be associated with investments in emerging markets include illiquidity and volatility.

Leveraged Risk. Investment options that borrow money to leverage involve more risk than portfolios that do not borrow money because the cost of borrowing money could exceed the returns for securities purchased or the securities purchased may go down in value.

Nondiversified Risk. Investment options that often invest in a more limited number of issuers involve more risk than portfolios that invest in a larger number of issuers because changes in the financial condition or market value of a single issuer may cause great volatility.

Sector Concentration Risk. Investment options that are at times more heavily invested in certain economic sectors may have more volatile performance than that of more broad-based portfolios.

Small Company Risk. Small company stocks, as a whole, may experience larger price fluctuations than large company stocks or other types of investments. Small companies tend to have shorter operating histories and may have less experienced management.

Additional Information
Franklin Templeton Variable Insurance Products Trust portfolios are generally sold only to insurance company separate accounts as investment options for variable insurance products.

The Summit EAFE International Index portfolio is not sponsored, endorsed, sold or promoted by Morgan Stanley Capital International, Inc. (MSCI) or any affiliate of MSCI and MSCI makes no representation regarding the advisability of investing in the portfolio.

"Nasdaq" and related marks are trademarks or service marks of The Nasdaq Stock Market, Inc. and have been licensed for use for certain purposes by Summit Mutual Funds, Inc. and the Nasdaq–100® Index Portfolio. The Nasdaq–100® Index is composed and calculated by Nasdaq without regard to Summit Mutual Funds. Nasdaq makes no warranty, express or implied, and bears no liability with respect to the Nasdaq–100® Index Portfolio.

The "Russell 2000 Index" is a trademark/service mark of the Frank Russell Company. Russell is a trademark of the Frank Russell Company. Summit Mutual Funds and the Russell 2000 Small Cap Index Portfolio are not promoted, sponsored or endorsed by, nor in any way affiliated with Frank Russell Company. Frank Russell is not responsible for and makes no representation of warranty, express or implied, as to its accuracy, or completeness.

"S&P 500®" and "S&P MidCap 400" are trademarks of McGraw-Hill, Inc. The Summit S&P MidCap 400 and S&P 500 Index portfolios are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of investing in the portfolios.

The Fixed Account is backed by the claims-paying ability of the insurance company issuing the policy.

Investment options with "Ameritas" in their name are part of the Calvert Variable Series Ameritas Portfolios, advised by Calvert Asset Management Company (CAMCO). For investment options other than the Ameritas Money Market, the day-to-day management of the investment options is the responsibility of the corresponding subadvisor under whose name each is listed.

Variable products are issued by Ameritas Life Insurance Corp. and underwritten by affiliate Ameritas Investment Corp. They include risk of loss, including principal. Before investing, carefully consider the investment objectives, risks, charges and expenses, and other important information about the policy issuer and underlying investment options. This information can be found in the policy and investment option prospectuses. Read the prospectuses carefully before investing.

This is not an offer in any jurisdiction, nor is it specifically directed to residents of any jurisdiction. This policy may only be sold
pursuant to a prospectus and in those states where it is approved.
Not FDIC Insured May Lose Value No Bank Guarantee