Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 12/31/07 Assets Share of Total Assets 3.06% 2.81% 2.77% 2.34% 2.03% 1.94% 1.78% 1.73% 1.69% 1.64% 1.56% 1.43% 1.41% 1.38% 1.32% 1.31% 1.26% 1.08% 1.04% 1.04% 1.04% 0.98% 0.97% 0.94% 0.93% 0.92% 0.88% 0.85% 0.83% 0.82% 0.79% 0.74% 0.73% 0.67% 0.66% 0.63% 0.62% 0.62% 0.61% 0.60% 0.58% 0.57% 0.56% 0.55% 0.54% 0.53% 0.52% 0.48% 0.46% 0.45% 1.17% 1.39% 1.40% 1.77% 1.37% 0.79% 1.47% 1.27% 1.40% 1.82% 1.77% 1.79% 1.27% 1.74% 1.80% 1.52% 1.52% 1.67% 1.71% 1.74% 1.52% 0.25% 1.45% 1.22% 1.42% 0.73% 1.31% 1.42% 1.22% 1.42% 1.65% 1.71% 1.72% 1.72% 1.52% 1.27% 1.37% 1.57% 0.99% 1.27% 1.39% 1.27% 1.69% 1.82% 0.79% 1.51% 1.64% 1.31% 0.97% 1.51% 8.00% 8.50% 6.00% 7.00% 7.00% 9.00% 7.00% 6.00% 9.00% 7.00% 6.00% 8.50% 7.00% 8.00% 7.00% 8.00% 8.00% 8.00% 8.00% 7.00% 8.00% 0.00% 7.00% 7.00% 7.00% 5.75% 7.00% 8.00% 7.00% 8.00% 8.00% 8.50% 7.00% 7.00% 7.00% 8.00% 7.00% 6.00% 5.75% 7.00% 7.00% 7.00% 9.00% 8.00% 7.50% 7.00% 8.50% 7.00% 5.50% 7.00% 10 7 3 3 7 10 7 7 7 4 4 4 7 4 4 8 4 9 9 4 4 0 7 7 3 0 6 8 7 8 4 9 4 4 3 9 7 6 0 7 7 7 9 8 8 4 9 7 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 Y Y Y Y — — Y Y Y Y — — Y — Y Y — Y Y — Y — Y 0.60% – 0.85% 0.20% – 1.15% 0.40% – 0.65% 0.25% – 0.85% 0.50% – 0.80% 0.25% – 0.75% 0.20% – 0.50% 0.40% – 0.65% 0.25% – 0.85% 0.20% – 0.50% 0.60% – 0.85% 0.25% – 0.75% 0.20% – 0.50% 0.20% – 1.15% 0.00% – 0.80% 0.60% – 0.85% 0.50% – 0.80% 0.50% – 0.80% 0.60% – 0.85% 0.00% – 0.80% 0.60% – 0.75% None 0.00% – 0.80% 0.50% – 0.80% 0.60% – 0.85% 0.00% – 0.80% 0.25% – 0.85% 0.50% – 0.80% 0.50% – 0.75% 0.50% – 0.75% 0.35% - 0.85% 0.40% - 0.65% 0.20% - 0.50% 0.50% - 0.80% 0.25% - 0.70% 0.50% – 0.80% 0.55% – 0.85% 0.00% – 0.85% 0.50% – 0.95% 0.50% – 0.60% 0.00% – 0.80% 0.50% – 0.60% 0.35% – 0.75% 0.20% – 0.50% 0.25% – 0.75% 0.00% – 0.90% 0.00% – 0.80% 0.45% – 0.85% 0.20% – 0.50% 0.00% – 0.90% RiverSource VP Diversified Bond JNL/Mellon Cap Mgmt JNL 5 A JHTrust Lifestyle Growth Series II Pacific Select Fund Inflation Managed Met Pref+Sl–FIX(ED) AST Capital Growth Asset Allocation American Funds Ins Ser Growth–Income 2 JHTrust Lifestyle Growth Series II Pacific Select Fund Inflation Managed Franklin Strategic Income Securities Cl1 ING LifeStyle Growth S1 AST Capital Growth Asset Allocation Hartford Capital Appreciation HLS IA JNL/Mellon Cap Mgmt JNL 5 A American Funds Ins Ser Growth–Income 2 ING LifeStyle Growth S1 AXA Premier VIP Moderate–Plus Alloc B Met Invt Ser Tr Metlf Growth Strat Prt B ING LifeStyle Growth S1 American Funds Ins Ser Growth 2 AXA Premier VIP Moderate–Plus Alloc B Fidelity VIP Money Market Inv American Funds Ins Ser Growth–Income 2 AXA Premier VIP Moderate–Plus Alloc B RiverSource VP Diversified Bond American Funds Ins Ser Growth-Income 2 PacLf Voy–FIX(ED) AXA Premier VIP Moderate–Plus Alloc B AXA Premier VIP Moderate–Plus Alloc B AXA Premier VIP Moderate–Plus Alloc B PIMCO VIT Low Duration Admin JHTrust Lifestyle Growth Series II Hartford Disciplined Equity HLS IA Met Invt Ser Tr Metlf Growth Strat Prt B Ohio ONcrLt–FIX(ED) Metropolitan Ser Mod–Aggr Allocation B Thrivent Ser Moderate Allocation GE Investments Funds Total Return 1 Sun Pol2APl–FIX(ED) Nationwide NVIT Inv Dest Moderate 2 American Funds Ins Ser Growth 2 Nationwide NVIT Inv Dest Mod Agg 2 AST Capital Growth Asset Allocation American Funds Ins Ser Glb Growth 2 AST Capital Growth Asset Allocation AIG PolCh3–FIX(ED) American Funds Ins Ser Growth 2 Fidelity VIP Contrafund IC American Funds Ins Ser Glb Growth 2 SunAmerica Series Tr Davis Vent Value 3 13% 18% 35% 9% 23% 18% 13% 42% 8% 52% 13% 18% 21% 23% 18% 11% 30% 31% 7% 12% 31% 22% 24% 29% 13% 22% 12% 29% 27% 26% 14% 22% 16% 45% 10% 11% 33% 16% 17% 23% 12% 9% 32% 85% 20% 13% 10% 9% 91% 8% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 93http://www.morningstaradvisor.com