Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 3/31/08 Assets Share of Total Assets 3.40% 3.33% 3.16% 3.08% 2.86% 2.80% 2.47% 2.35% 2.30% 2.28% 2.21% 2.07% 1.86% 1.80% 1.69% 1.68% 1.66% 1.66% 1.49% 1.49% 1.44% 1.27% 1.27% 1.17% 1.16% 1.13% 1.08% 1.05% 1.05% 0.92% 0.90% 0.88% 0.85% 0.83% 0.83% 0.81% 0.74% 0.74% 0.72% 0.71% 0.71% 0.70% 0.70% 0.69% 0.64% 0.63% 0.62% 0.58% 0.55% 0.55% 1.77% 1.65% 1.17% 1.77% 1.79% 1.39% 1.77% 1.42% 1.37% 1.52% 1.27% 1.67% 1.47% 1.79% 1.80% 1.40% 1.74% 1.82% 1.31% 1.27% 1.71% 1.74% 1.10% 1.67% 1.45% 0.25% 1.42% 1.71% 1.60% 0.73% 1.72% 1.69% 1.85% 1.57% 1.52% 1.72% 1.66% 0.99% 1.07% 1.31% 1.27% 1.39% 1.37% 1.64% 1.47% 1.27% 1.39% 1.70% 1.16% 1.82% 6.00% 6.00% 7.00% 8.00% 9.00% 8.00% 7.00% 7.00% 7.00% 8.00% 6.00% 8.00% 7.00% 8.50% 7.00% 9.00% 8.00% 7.00% 7.00% 7.00% 8.00% 7.00% 2.00% 8.00% 7.00% 0.00% 7.00% 8.50% 8.50% 5.75% 7.00% 9.00% 8.00% 6.00% 7.00% 7.00% 7.00% 5.75% 7.00% 8.00% 7.00% 7.50% 7.00% 8.50% 8.00% 0.00% 7.00% 6.00% 8.00% 8.00% 4 3 7 4 10 5 3 7 3 8 7 8 7 4 4 7 4 4 6 7 9 4 5 9 7 0 3 9 7 0 4 9 4 6 3 4 4 0 4 9 7 8 7 9 8 0 7 4 7 8 Y 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 Y N N Y Y Y Y Y Y Y N Y N Y Y Y Y N Y N Y Y N Y Y N N N N Y Y Y N Y Y N N N N Y Y Y N Y N N Y Y Y N N N Y Y Y Y Y Y Y N Y Y N Y N Y Y N Y N N N N Y N N Y N Y N Y Y Y N Y N Y N Y Y Y Y Y N N Y N N N N 0.75% - 0.95% 0.40% - 0.65% 0.60% - 0.85% 0.50% - 0.80% 0.25% - 0.75% 0.20% - 1.25% 0.25% - 0.85% 0.50% - 0.80% 0.50% - 0.85% 0.75% - 0.95% 0.40% - 0.65% 0.50% - 0.80% 0.20% - 0.50% 0.25% - 0.75% 0.45% - 0.90% 0.25% - 0.85% 0.20% - 1.26% 0.50% - 0.65% 0.25% - 0.85% 0.20% - 0.50% 0.75% - 0.95% 0.45% - 0.90% None 0.50% - 0.85% 0.40% - 0.90% None 0.60% - 0.85% 0.40% - 0.65% 0.40% - 0.95% 0.45% - 0.80% 0.50% - 0.85% 0.35% - 0.75% 0.35% - 0.95% 0.50% - 0.85% 0.25% - 0.70% 0.50% - 0.65% 0.45% - 1.20% 0.50% - 0.95% 0.50% - 0.70% 0.45% - 0.85% 0.50% - 0.85% 0.25% - 0.75% 0.55% - 0.85% 0.45% - 0.80% 0.25% - 0.85% 0.50% - 0.70% 0.45% - 0.80% 0.50% - 0.85% 0.75% - 0.95% 0.50% - 0.65% ING LifeStyle Growth S JHT Lifestyle Growth Series II RiverSource VP Diversified Bond AXA Premier VIP Moderate-Plus Alloc B AST Capital Growth Asset Allocation JNL/Mellon Cap Mgmt JNL 5 A Pacific Select Fund Inflation Managed AXA Premier VIP Moderate-Plus Alloc B Met Pref+Sl-FIX(ED) ING LifeStyle Growth S JHT Lifestyle Growth Series II AXA Premier VIP Moderate-Plus Alloc B American Funds Ins Ser Growth-Income 2 AST Capital Growth Asset Allocation American Funds Ins Ser Growth 2 Pacific Select Fund Inflation Managed JNL/Mellon Cap Mgmt JNL 5 A Franklin Strategic Income Securities Cl1 PacLf Voy-FIX(ED) Hartford Capital Appreciation HLS IA ING LifeStyle Growth S American Funds Ins Ser Growth 2 Fidelity VIP Balanced Inv Met Invt Ser Tr Metlf Growth Strat Prt B American Funds Ins Ser Growth-Income 2 Fidelity VIP Money Market Inv RiverSource VP Diversified Bond JHT Lifestyle Growth Series II AZL Fusion Growth Fund American Funds Ins Ser Growth-Income 2 Met Invt Ser Tr Metlf Growth Strat Prt B AST Capital Growth Asset Allocation PIMCO VIT Low Duration Admin GE Investments Funds Total Return 1 Ohio ONcrLt-FIX(ED) Hartford Capital Appreciation HLS IB AIG PolCh3-FIX(ED) Sun Pol2APl-FIX(ED) NVIT Inv Dest Moderate 2 Oppenheimer Strategic Bnd Fund/VA Metropolitan Ser Mod-Aggr Allocation B AST Capital Growth Asset Allocation Thrivent Ser Moderate Allocation American Funds Ins Ser Growth 2 American Funds Ins Ser Growth 2 NVIT Inv Dest Mod Agg 2 American Funds Ins Ser Growth 2 GE Investments Funds Total Return 1 ING LifeStyle Moderate Growth S American Funds Ins Ser Glb Growth 2 13% 34% 13% 31% 15% 16% 10% 29% 25% 11% 41% 28% 13% 15% 18% 9% 19% 48% 11% 20% 7% 11% 51% 30% 23% 26% 14% 24% 11% 22% 43% 27% 14% 14% 10% 11% 12% 14% 22% 9% 12% 16% 33% 9% 10% 9% 12% 35% 13% 64% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 91http://MorningstarAdvisor.com