Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 6/30/08 Assets Share of Total Assets 3.70% 3.59% 3.43% 3.30% 3.07% 2.84% 2.74% 2.72% 2.71% 2.43% 2.40% 2.19% 2.07% 1.90% 1.84% 1.75% 1.61% 1.58% 1.49% 1.37% 1.36% 1.26% 1.19% 1.18% 1.15% 1.12% 1.10% 1.09% 1.02% 0.97% 0.93% 0.89% 0.88% 0.86% 0.86% 0.84% 0.80% 0.79% 0.77% 0.76% 0.76% 0.72% 0.66% 0.64% 0.64% 0.63% 0.63% 0.60% 0.59% 0.56% 1.77% 1.65% 1.17% 1.77% 1.39% 1.79% 1.42% 1.37% 1.77% 1.27% 1.52% 1.67% 1.79% 1.80% 1.74% 1.40% 1.31% 1.74% 1.71% 1.67% 1.45% 1.60% 1.42% 1.10% 1.72% 1.37% 0.25% 1.71% 1.77% 0.73% 1.57% 1.85% 0.99% 1.66% 1.52% 1.31% 1.39% 1.27% 1.47% 1.39% 1.37% 1.07% 1.27% 0.73% 1.64% 1.31% 1.70% 1.79% 1.66% 1.79% 6.00% 6.00% 7.00% 8.00% 8.50% 9.00% 7.00% 7.00% 7.00% 6.00% 8.00% 8.00% 8.50% 7.00% 8.00% 9.00% 7.00% 7.00% 8.00% 8.00% 7.00% 8.50% 7.00% 2.00% 7.00% 7.00% 0.00% 8.50% 7.00% 5.75% 6.00% 8.00% 5.75% 7.00% 7.00% 7.00% 7.50% 8.00% 8.00% 7.00% 7.00% 7.00% 7.00% 5.75% 8.50% 8.00% 6.00% 0.00% 7.00% 8.00% 4 3 7 4 7 10 7 7 3 7 8 8 4 4 4 7 6 4 9 9 7 7 3 5 4 7 0 9 4 0 6 4 0 4 3 7 8 9 8 7 7 7 7 0 9 4 4 0 7 4 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 N Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N N Y Y Y Y Y Y N Y Y Y Y Y Y Y Y Y Y Y N N N Y N N N N Y Y N N N Y Y Y Y N Y N N N Y Y Y Y Y N N N Y Y Y Y Y Y Y Y Y N Y Y N Y Y Y N N Y N Y Y N Y N N N N N N Y N Y Y Y Y Y N N Y Y Y N N N N Y Y Y 0.75% - 0.95% 0.40% - 0.65% 0.60% - 0.85% 0.50% - 0.80% 0.20% - 1.25% 0.25% - 0.75% 0.50% - 0.80% 0.50% - 0.85% 0.25% - 0.85% 0.40% - 0.65% 0.75% - 0.95% 0.50% - 0.80% 0.25% - 0.75% 0.45% - 0.90% 0.20% - 1.26% 0.25% - 0.85% 0.25% - 0.85% 0.45% - 0.90% 0.75% - 0.95% 0.50% - 0.85% 0.40% - 0.90% 0.40% - 0.95% 0.60% - 0.85% None 0.50% - 0.85% 0.50% - 0.65% None 0.40% - 0.65% 0.50% - 0.65% 0.45% - 0.80% 0.50% - 0.85% 0.35% - 0.95% 0.50% - 0.95% 0.45% - 1.20% 0.25% - 0.70% 0.45% - 0.85% 0.25% - 0.75% 0.50% - 0.85% 0.25% - 0.85% 0.45% - 0.80% 0.55% - 0.85% 0.50% - 0.70% 0.50% - 0.70% 0.45% - 0.90% 0.45% - 0.80% 0.75% - 0.95% 0.50% - 0.85% 0.25% - 0.75% 0.25% - 1.00% 0.40% - 0.90% ING LifeStyle Growth S JHT Lifestyle Growth Series II RiverSource VP Diversified Bond AXA Premier VIP Moderate-Plus Alloc B JNL/Mellon Cap Mgmt JNL 5 A AS XC6-FIX(ED) AXA Premier VIP Moderate-Plus Alloc B Met Pref+Sl-FIX(ED) Pacific Select Fund Inflation Managed JHT Lifestyle Growth Series II ING LifeStyle Growth S AXA Premier VIP Moderate-Plus Alloc B AST Capital Growth Asset Allocation American Funds Ins Ser Growth 2 JNL/Mellon Cap Mgmt JNL 5 A Pacific Select Fund Inflation Managed PacLf Voy-FIX(ED) American Funds Ins Ser Growth 2 ING LifeStyle Growth S Met Invt Ser Tr Metlf Growth Strat Prt B American Funds Ins Ser Growth-Income 2 AZL Fusion Growth Fund RiverSource VP Diversified Bond Fidelity VIP Balanced Inv Met Invt Ser Tr Metlf Growth Strat Prt B Hartfd L4-FIX(ED) Fidelity VIP Money Market Inv JHT Lifestyle Growth Series II Hartfd LO4-FIX(ED) American Funds Ins Ser Growth-Income 2 GE Investments Funds Total Return 1 PIMCO VIT Low Duration Admin Sun Pol2APl-FIX(ED) AIG PolCh3-FIX(ED) Ohio ONcrLt-FIX(ED) Oppenheimer Strategic Bnd Fund/VA AST Capital Growth Asset Allocation Metropolitan Ser Mod-Aggr Allocation B American Funds Ins Ser Growth 2 American Funds Ins Ser Growth 2 Thrivent Ser Moderate Allocation NVIT Inv Dest Moderate 2 NVIT Inv Dest Mod Agg 2 American Funds Ins Ser Growth-Income 2 American Funds Ins Ser Growth 2 ING LifeStyle Moderate Growth S GE Investments Funds Total Return 1 AST Academic Strategies Asset Allocation SunAmerica Series Tr Davis Vent Value 3 Transam Asset Allocation Mod Gr VP SC 12% 33% 14% 31% 15% 14% 29% 25% 9% 41% 11% 28% 15% 18% 18% 9% 10% 11% 7% 30% 23% 10% 15% 54% 40% 51% 24% 24% 44% 21% 14% 13% 14% 12% 9% 9% 16% 12% 10% 12% 34% 22% 9% 16% 10% 14% 31% 11% 7% 55% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 93http://www.morningstaradvisor.com