Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 6/30/06 Assets Share of Total Assets 4.71% 4.69% 3.40% 3.34% 2.86% 2.61% 2.47% 2.42% 2.27% 2.23% 2.20% 1.94% 1.79% 1.60% 1.56% 1.47% 1.44% 1.33% 1.33% 1.30% 1.18% 1.13% 1.13% 1.09% 1.05% 1.02% 1.01% 0.99% 0.94% 0.88% 0.88% 0.87% 0.86% 0.86% 0.81% 0.79% 0.75% 0.67% 0.66% 0.65% 0.64% 0.64% 0.63% 0.63% 0.60% 0.57% 0.55% 0.54% 0.50% 0.50% 1.65% 0.95% 1.25% 1.65% 1.65% 1.50% 1.40% 1.55% 1.35% 1.25% 1.70% 1.15% 1.65% 1.65% 1.55% 1.40% 1.65% 1.60% 1.40% 1.40% 1.60% 1.25% 1.60% 1.40% 1.60% 0.65% 1.60% 1.40% 1.55% 0.25% 1.55% 1.52% 1.20% 1.70% 1.10% 1.45% 1.52% 1.15% 0.85% 1.50% 1.15% 1.00% 1.25% 1.15% 1.25% 1.65% 1.15% 0.30% 1.65% 1.30% 6.00% 8.00% 8.50% 7.00% 8.00% 8.00% 9.00% 8.00% 7.00% 7.00% 7.00% 7.00% 8.50% 9.00% 8.00% 7.00% 6.00% 7.00% 6.00% 8.00% 8.00% 7.00% 7.00% 8.00% 7.00% 5.75% 7.00% 8.00% 8.00% 0.00% 8.50% 7.00% 7.00% 8.00% 6.00% 6.00% 7.00% 7.00% 5.75% 7.00% 7.00% 8.00% 7.00% 9.00% 7.50% 8.00% 7.00% 0.00% 0.00% 7.00% 3 10 7 3 4 8 7 9 7 7 4 7 4 10 9 6 4 3 8 8 4 7 4 7 3 0 4 7 8 0 9 3 3 8 6 6 7 4 0 6 7 11 7 9 8 4 7 0 0 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 0.40% – 0.65% 0.60% – 0.60% 0.20% – 1.10% 0.25% – 0.60% 0.35% – 0.65% 0.35% – 0.65% 0.25% – 0.60% 0.50% – 0.75% 0.20% – 0.50% 0.35% – 0.65% 0.20% – 0.50% 0.20% – 0.50% 0.25% – 0.75% 0.25% – 0.75% 0.50% – 0.75% 0.25% – 0.60% 0.50% – 0.75% 0.45% – 0.80% 0.40% – 0.40% 0.50% – 0.75% 0.20% – 1.90% 0.45% – 0.80% 0.20% – 0.50% 0.50% – 0.75% 0.50% – 0.75% 0.45% – 0.65% 0.45% – 0.80% 0.00% – 0.00% 0.50% – 0.60% None 0.40% – 0.65% 0.00% – 0.80% 0.60% – 0.60% 0.20% – 0.50% 0.55% – 0.55% 0.40% – 0.75% None 0.60% – 0.60% None 0.00% – 0.70% 0.60% – 0.60% 0.45% – 0.80% 0.45% – 0.80% 0.50% – 0.75% 0.25% – 0.75% 0.50% – 0.50% 0.45% – 0.60% None 0.25% – 0.75% 0.50% – 0.75% JHTrust Lifestyle Growth Series II RiverSource VP Diversified Equity Income JNL Psp 2-FIX(D1) Pacific Select Fund Intl Large-Cap AXA Premier VIP Moderate-Plus Alloc B AXA Premier VIP Moderate-Plus Alloc B PacLf Val-FIX(D2) Met Invt Ser Tr Metlf Growth Strat Prt B American Funds Ins Ser Growth-Income 2 AXA Premier VIP Moderate-Plus Alloc B American Funds Ins Ser Growth 2 Hartford Capital Apprec HLS IA AST Capital Growth Asset Allocation AST Capital Growth Asset Allocation ING InvTr T. Rowe Price Cap Apprec S Pacific Select Fund Managed Bond ING InvTr Lifestyle Growth S American Funds Ins Ser Growth-Income 2 JHTrust Lifestyle Growth Series II ING InvTr Lifestyle Growth S JNL/Mellon Cap Mgmt JNL 5 A American Funds Ins Ser Growth 2 Hartford Capital Apprec HLS IB (MF) Not Available Met Invt Ser Tr Metlf Balanced Strat B American Funds Ins Ser Growth-Income 2 AST International Growth Allz H5-FIX(D1) Gartmore GVIT Inv Dest Moderate 2 AEGON/TA Ser Asst Alloc Growth IC JHTrust Lifestyle Growth Series II AEGON/TA Ser Asst Alloc Mod SC Van Kampen LIT Comstock II American Funds Ins Ser Growth 2 ING VP Intermediate Bond S AllianceBern VPS Global Technology B SunAmerica Series Tr Davis Vent Value 1 Gartmore GVIT Inv Dest Moderate 2 American Funds Ins Ser Growth-Income 2 Franklin Mutual Shares Securities Cl2 Gartmore GVIT Inv Dest Moderate 2 LNL MultFd-FIX(ED) American Funds Ins Ser Growth-Income 2 American Funds Ins Ser Growth 2 AST Capital Growth Asset Allocation Oppenheimer Main Street/VA Svc RiverSource VP Large Cap Equity Vanguard Var Ins Fund Balanced AST Money Market Met Invt Ser Tr Metlf Growth Strat Prt B 31% 8% 16% 10% 23% 15% 10% 24% 14% 18% 14% 21% 10% 9% 8% 9% 11% 22% 15% 9% 24% 25% 15% N/A 25% 25% 13% 16% 16% 21% 16% 8% 7% 13% 25% 40% 16% 26% 14% 4% 9% 35% 11% 11% 12% 12% 8% 13% 15% 22% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 69http://MorningstarAdvisor.com