Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 12/31/08 Assets Share of Total Assets 2.71% 2.63% 2.46% 2.39% 2.21% 2.08% 1.92% 1.88% 1.69% 1.55% 1.52% 1.34% 1.34% 1.25% 1.24% 1.18% 1.10% 1.06% 1.06% 1.04% 0.95% 0.87% 0.78% 0.76% 0.66% 0.66% 0.66% 0.65% 0.62% 0.62% 0.61% 0.60% 0.58% 0.58% 0.57% 0.54% 0.52% 0.49% 0.48% 0.47% 0.45% 0.44% 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% 1.42% 1.77% 1.27% 1.52% 1.79% 1.67% 1.74% 1.80% 1.60% 1.31% 1.74% 1.40% 1.72% 1.67% 1.77% 1.71% 1.42% 1.31% 1.69% 0.73% 1.85% 1.71% 1.25% 1.52% 1.39% 1.57% 1.39% 1.27% 0.25% 0.99% 1.37% 0.73% 1.89% 1.42% 1.07% 1.31% 1.79% 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% 7.00% 7.00% 6.00% 8.00% 9.00% 8.00% 8.00% 7.00% 0.00% 7.00% 7.00% 9.00% 7.00% 8.00% 7.00% 8.00% 7.00% 7.00% 9.00% 5.75% 8.00% 8.50% 2.00% 7.00% 7.50% 6.00% 7.00% 7.00% 0.00% 5.75% 7.00% 5.75% 9.00% 7.00% 7.00% 8.00% 8.00% 7.00% 5.75% 8.50% 8.00% 6.00% 0.00% 7.00% 8.00% 4 3 7 4 7 7 3 7 8 10 8 4 4 0 6 4 7 4 9 4 9 3 7 9 0 4 9 5 3 8 6 7 7 0 0 7 0 10 7 4 4 4 7 0 9 4 4 0 7 4 Y Y N Y Y Y Y Y Y Y Y Y Y N Y Y Y Y Y Y Y N N 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 N N Y N Y Y N Y N Y N Y N Y Y Y Y Y N Y N N N Y N N N Y N Y Y N N N N Y N Y N Y N N Y Y Y Y Y N N N N Y Y Y Y Y N N Y Y Y N Y Y N Y Y Y N N Y Y Y N Y N N Y Y N N N N N Y N Y Y N N Y Y N N N N Y Y Y 0.75% - 1.05% 0.70% - 0.85% 0.80% - 0.80% 0.00% - 0.80% 0.45% - 1.25% 0.00% - 0.80% 0.40% - 1.10% 0.70% - 0.85% 0.75% - 1.05% 0.25% - 1.10% 0.00% - 0.80% 0.45% - 1.25% 0.50% - 0.90% 0.40% - 0.40% 0.40% - 1.10% 0.50% - 0.90% 0.40% - 1.10% 0.50% - 1.50% 0.50% - 1.50% 0.75% - 0.95% 0.75% - 1.05% 0.80% - 0.80% 0.45% - 0.45% 0.35% - 1.10% 0.40% - 0.90% 0.75% - 1.15% 0.70% - 0.85% 0.00% - 0.00% 0.25% - 0.70% 0.25% - 1.10% 0.50% - 0.95% 0.25% - 0.90% 0.75% - 1.50% No LBs 0.85% - 1.35% 0.35% - 0.85% 0.50% - 0.90% 0.35% - 1.10% 0.50% - 1.50% 0.15% - 0.90% 0.75% - 1.05% 0.60% - 1.20% 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 Moderate-Plus Allc B JNL Psp 2-FIX(ED) AXA Moderate-Plus Allc B Pacific Select Fund Inflation Managed JHT Lifestyle Growth Series II ING LifeStyle Growth S AS XC6-FIX(ED) AXA Moderate-Plus Allc B JNL PspLFVA-FIX(ED) American Funds Ins Ser Cash Mgmt 2 AZL Money Market PacLf Voy-FIX(ED) American Funds Ins Ser Growth 2 Pacific Select Fund Managed Bond Met Invt Ser Tr MetLife Gr Strat Port B Met Invt Ser Tr MetLife Gr Strat Port B Hartfd LO4-FIX(ED) ING Liquid Assets S RiverSource VP Diversified Bond MML Ser Inv Fund Growth Allocation AST Investment Grade Bond American Funds Ins Ser Bond 2 PIMCO VIT Low Duration Admin JHT Lifestyle Growth Series II Fidelity VIP Balanced Inv Ohio ONcrLt-FIX(ED) AS AP3-FIX(ED) GE Investments Funds Total Return 3 American Funds Ins Ser Growth-Income 2 Hartford Total Return Bond HLS IA Fidelity VIP Money Market Inv American Funds Ins Ser Growth-Income 2 Thrivent Ser Moderate Allocation LNL C+A A-Fix(ed) AST Investment Grade Bond Met Invt Ser Tr MetLife Gr Strat Port B NVIT Inv Dest Moderate 2 ING LifeStyle Moderate Growth S Transamerica Asset Allc Mod Gr VP SC 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% 29% 14% 30% 18% 28% 10% 31% 10% 38% 27% 16% 17% 13% 10% 9% 9% 29% 25% 22% 9% 15% 10% 17% 20% 11% 20% 52% 11% 37% 14% 9% 12% 35% 9% 35% 32% 19% 22% 21% 13% 51% 9% 16% 10% 14% 31% 11% 7% 55% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 77