Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 3/31/07 Assets Share of Total Assets 3.70% 2.90% 2.54% 2.53% 2.10% 2.04% 2.00% 1.93% 1.84% 1.59% 1.58% 1.55% 1.49% 1.48% 1.37% 1.25% 1.24% 1.17% 1.13% 1.02% 1.01% 0.99% 0.97% 0.96% 0.95% 0.95% 0.88% 0.82% 0.80% 0.72% 0.70% 0.63% 0.62% 0.62% 0.61% 0.59% 0.59% 0.59% 0.58% 0.57% 0.56% 0.55% 0.53% 0.50% 0.48% 0.47% 0.47% 0.46% 0.44% 0.43% 0.69% 0.55% 0.70% 0.81% 0.69% 0.55% 0.65% 0.74% 0.81% 0.65% 0.69% 0.69% 0.74% 0.68% 0.55% 0.49% 0.70% 0.58% 0.64% 0.63% 0.47% 0.59% 0.49% 0.57% 0.69% 0.64% 0.49% 0.65% 0.57% 0.81% 0.70% 0.53% 0.58% 0.70% 0.67% 0.63% 0.55% 0.62% 0.74% 0.59% 0.65% 0.66% 0.77% 0.59% 0.55% 0.23% 0.74% 0.59% 0.70% 0.00% 7.00% 8.50% 6.00% 7.00% 8.00% 7.00% 7.00% 9.00% 9.00% 7.00% 8.00% 7.00% 8.50% 6.00% 8.00% 7.00% 6.00% 8.00% 6.00% 8.00% 0.00% 7.00% 7.00% 7.00% 7.00% 8.00% 5.75% 7.00% 8.00% 7.00% 8.50% 7.00% 7.00% 5.75% 7.00% 6.00% 8.00% 8.00% 7.50% 7.00% 8.00% 8.00% 9.00% 8.50% 8.00% 0.00% 0.00% 7.00% 7.00% 7.00% 7 7 3 3 4 3 7 0 7 7 8 7 4 7 4 4 5 8 4 9 0 4 7 3 3 8 0 4 9 6 9 7 7 0 3 6 9 4 8 7 8 7 9 9 11 0 0 7 7 6 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% 0.60% – 0.75% 0.50% – 0.80% 0.20% – 0.50% 0.25% – 0.75% 0.25% – 0.85% 0.20% – 0.50% 0.50% – 0.75% 0.50% – 0.75% 0.25% – 0.75% 0.40% – 0.65% 0.00% – 1.15% 0.45% – 0.80% None 0.50% – 0.60% 0.50% – 0.75% 0.50% – 0.75% None 0.45% – 0.80% 0.45% – 0.80% 0.50% – 0.80% 0.60% – 0.65% 0.50% – 0.75% 0.45% – 0.80% 0.20% – 0.50% 0.50% – 0.80% 0.25% – 0.85% 0.40% – 0.65% 0.55% – 0.55% 0.50% – 0.60% 0.50% – 0.50% 0.25% – 0.70% 0.50% – 0.85% 0.50% – 0.80% 0.35% – 0.85% 0.25% – 0.75% 0.50% – 0.60% None 0.00% – 0.00% 0.50% – 0.75% 0.45% – 0.80% 0.45% – 0.80% None 0.25% – 0.75% 0.45% – 0.80% 0.00% – 0.90% 0.25% – 0.65% RiverSource VP Diversified Bond JNL/Select Money Market A JHTrust Lifestyle Growth Series II Pacific Select Fund Intl Large-Cap AXA Premier VIP Moderate-Plus Alloc B Met Pref+Sl-FIX(D1) American Funds Ins Ser Growth-Income 2 AST Capital Growth Asset Allocation Pacific Select Fund Intl Large-Cap Hartford Capital Apprec HLS IA AXA Premier VIP Moderate-Plus Alloc B AXA Premier VIP Moderate-Plus Alloc B AST Capital Growth Asset Allocation JHTrust Lifestyle Growth Series II JNL/Mellon Cap Mgmt JNL 5 A American Funds Ins Ser Growth-Income 2 EQ EV 300/400-FIX(D1) Gartmore GVIT Inv Dest Moderate 2 ING InvTr Lifestyle Growth S ING InvTr T. Rowe Price Cap Apprec S Fidelity VIP Money Market Inv American Funds Ins Ser Growth-Income 2 American Funds Ins Ser Growth-Income 2 Met Invt Ser Tr Metlf Growth Strat Prt B RiverSource VP Diversified Bond ING InvTr Lifestyle Growth S American Funds Ins Ser Growth-Income 2 Hartford Capital Apprec HLS IB (MF) Met Invt Ser Tr Metlf Growth Strat Prt B PacLf Port-FIX(D1) JHTrust Lifestyle Growth Series II Thrivent Ser Moderate Allocation Gartmore GVIT Inv Dest Moderate 2 Sun Pol2APl-FIX(ED) Ohio ONcrLt-FIX(D1) GE Investments Funds Total Return 1 American Funds Ins Ser Growth 2 Oppenheimer Main Street/VA Svc AST Capital Growth Asset Allocation Gartmore GVIT Inv Dest Mod Aggressive 2 Univ Instl Funds Equity & Income II Allz H5-FIX(D1) AST Capital Growth Asset Allocation American Funds Ins Ser Growth-Income 2 LNL MultFd-FIX(ED) Vanguard Var Ins Fund Balanced AST Capital Growth Asset Allocation American Funds Ins Ser Growth-Income 2 SunAmerica Series Tr Davis Vent Value 3 Pacific Select Fund Intl Large-Cap 11% 17% 34% 10% 29% 25% 14% 15% 8% 21% 26% 26% 16% 46% 27% 21% 66% 15% 12% 8% 20% 13% 26% 31% 11% 11% 24% 13% 27% 10% 19% 30% 26% 27% 14% 16% 10% 13% 18% 10% 11% 14% 33% 11% 33% 13% 11% 13% 9% 11% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 75http://MorningstarAdvisor.com