Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 6/30/07 Assets Share of Total Assets 3.42% 2.88% 2.68% 2.49% 2.06% 1.93% 1.90% 1.88% 1.82% 1.77% 1.57% 1.53% 1.45% 1.44% 1.42% 1.36% 1.26% 1.21% 1.14% 1.11% 1.10% 1.04% 1.00% 1.00% 0.98% 0.97% 0.92% 0.90% 0.79% 0.77% 0.75% 0.70% 0.62% 0.61% 0.61% 0.61% 0.60% 0.60% 0.60% 0.57% 0.57% 0.57% 0.56% 0.55% 0.54% 0.53% 0.51% 0.51% 0.50% 0.46% 0.67% 0.54% 0.69% 0.80% 0.56% 0.64% 0.74% 0.70% 0.80% 0.65% 0.66% 0.65% 0.74% 0.70% 0.70% 0.54% 0.51% 0.67% 0.58% 0.63% 0.47% 0.63% 0.57% 0.61% 0.58% 0.67% 0.51% 0.51% 0.65% 0.61% 0.69% 0.80% 0.67% 0.70% 0.56% 0.56% 0.64% 0.53% 0.63% 0.80% 0.57% 0.74% 0.66% 0.58% 0.77% 0.64% 0.57% 0.58% 0.58% 0.69% 7.00% 8.50% 6.00% 7.00% 7.00% 7.00% 9.00% 8.00% 9.00% 7.00% 6.00% 7.00% 8.50% 7.00% 8.00% 8.00% 7.00% 6.00% 8.00% 6.00% 0.00% 8.00% 8.00% 8.00% 7.00% 7.00% 7.00% 5.75% 7.00% 8.00% 8.50% 7.00% 7.00% 5.75% 7.00% 8.00% 8.00% 7.00% 6.00% 7.00% 7.00% 7.50% 8.00% 7.00% 9.00% 8.00% 7.00% 8.50% 7.00% 7.00% 7 7 0 3 7 7 0 4 7 4 0 7 4 7 8 4 4 5 8 4 0 8 9 9 4 3 7 0 4 4 0 6 3 0 7 9 8 7 6 6 3 8 7 7 9 8 4 9 7 7 Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y — Y Y — Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y — Y Y Y Y — Y — Y Y — Y Y Y — — — Y Y Y Y Y — — Y — Y Y Y Y — Y Y — — — Y Y — — Y — — Y Y Y Y Y — Y — Y Y Y — Y Y — Y Y — Y — Y — — — Y Y Y Y — — Y — — — Y — — Y — — — Y — Y Y — Y Y — Y — Y Y Y Y Y — — Y — — Y 0.60% – 0.65% 0.20% – 1.15% 0.40% – 0.65% 0.25% – 0.85% 0.50% – 0.80% 0.20% – 0.50% 0.25% – 0.75% 0.60% – 0.75% 0.25% – 0.85% 0.20% – 0.50% 0.40% – 0.65% 0.20% – 0.50% 0.25% – 0.75% 0.50% – 0.75% 0.50% – 0.75% 0.00% – 1.15% 0.45% – 0.80% None 0.50% – 0.60% 0.50% – 0.75% None 0.50% – 0.75% 0.50% – 0.80% 0.50% – 0.75% 0.45% – 0.80% 0.60% – 0.65% 0.45% – 0.80% 0.45% – 0.80% 0.20% – 0.50% 0.35% – 0.85% 0.40% – 0.65% 0.25% – 0.65% 0.25% – 0.70% 0.50% – 0.50% 0.50% – 0.60% 0.50% – 0.80% 0.20% – 0.50% 0.55% – 0.55% 0.50% – 0.85% 0.25% – 0.85% 0.50% – 0.80% 0.25% – 0.75% 0.00% – 0.00% 0.50% – 0.60% 0.50% – 0.75% None 0.50% – 0.80% 0.45% – 0.80% 0.45% – 0.80% 0.00% – 0.90% RiverSource VP Diversified Bond JNL/Mellon Cap Mgmt JNL 5 A JHTrust Lifestyle Growth Series II Pacific Select Fund Mid-Cap Value Met Pref+Sl-FIX(ED) American Funds Ins Ser Growth-Income 2 AST Capital Growth Asset Allocation AXA Premier VIP Moderate-Plus Alloc B Pacific Select Fund Mid-Cap Value Not Available JHTrust Lifestyle Growth Series II Hartford Capital Apprec HLS IA (MF) AST Capital Growth Asset Allocation AXA Premier VIP Moderate-Plus Alloc B AXA Premier VIP Moderate-Plus Alloc B JNL/Mellon Cap Mgmt JNL 5 A American Funds Ins Ser Growth-Income 2 EQ EV 300/400-FIX(ED) Gartmore GVIT Inv Dest Moderate 2 ING InvTr Lifestyle Growth S Fidelity VIP Money Market Inv ING InvTr Lifestyle Growth S Met Invt Ser Tr Metlf Growth Strat Prt B ING InvTr T. Rowe Price Cap Apprec S American Funds Ins Ser Growth-Income 2 RiverSource VP Diversified Bond American Funds Ins Ser Growth-Income 2 American Funds Ins Ser Growth-Income 2 Hartford Capital Apprec HLS IB (MF) PIMCO VIT Low Duration Admin JHTrust Lifestyle Growth Series II Pacific Select Fund Mid-Cap Value Ohio ONcrLt-FIX(ED) Sun Pol2APl-FIX(ED) Gartmore GVIT Inv Dest Moderate 2 American Funds Ins Ser Growth 2 Not Available Thrivent Ser Moderate Allocation GE Investments Funds Total Return 1 PacLf Port-FIX(ED) Met Invt Ser Tr Metlf Balanced Strat B AST Capital Growth Asset Allocation Allz H5-FIX(D1) Gartmore GVIT Inv Dest Mod Aggressive 2 AST Capital Growth Asset Allocation Morgan Stanley UIF Equity & Income II Met Invt Ser Tr Metlf Growth Strat Prt B American Funds Ins Ser Growth-Income 2 American Funds Ins Ser Growth-Income 2 SunAmerica Series Tr Davis Vent Value 3 11% 18% 35% 9% 24% 14% 16% 29% 9% N/A 45% 22% 17% 27% 26% 26% 20% 66% 14% 12% 21% 11% 29% 7% 13% 11% 26% 24% 15% 13% 21% 10% 10% 22% 25% 10% N/A 31% 17% 8% 24% 19% 12% 10% 33% 11% 43% 10% 13% 9% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 89http://MorningstarAdvisor.com