Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 03/31/10 Assets Share of Total Assets 5.99% 4.76% 4.11% 3.89% 3.82% 3.50% 3.28% 2.91% 2.23% 2.22% 2.07% 1.76% 1.73% 1.58% 1.52% 1.49% 1.41% 1.38% 1.36% 1.29% 1.21% 1.20% 1.07% 1.04% 1.03% 0.98% 0.91% 0.90% 0.87% 0.84% 0.83% 0.82% 0.81% 0.75% 0.75% 0.66% 0.64% 0.60% 0.57% 0.57% 0.56% 0.53% 0.52% 0.50% 0.50% 0.49% 0.49% 0.49% 0.48% 0.46% 1.39% 1.79% 1.74% 1.79% 1.31% 1.39% 1.37% 1.72% 1.42% 1.60% 1.17% 1.45% 1.64% 1.29% 1.85% 1.67% 1.37% 0.35% 1.74% 1.39% 0.83% 1.27% 1.31% 1.44% 1.55% 1.42% 1.47% 1.77% 1.42% 1.82% 1.80% 1.79% 1.22% 2.05% 1.37% 1.87% 1.37% 0.92% 1.66% 0.87% 1.34% 1.79% 1.31% 1.85% 1.27% 1.40% 1.00% 1.27% 1.75% 1.77% 8.50% 8.50% 8.00% 9.00% 5.00% 7.50% 7.00% 7.00% 7.00% 8.50% 8.00% 7.00% 7.00% 7.00% 8.00% 9.00% 7.00% 0.00% 7.00% 7.00% 5.50% 6.00% 7.00% 8.00% 8.00% 7.00% 8.00% 7.00% 7.00% 8.00% 7.00% 8.00% 7.00% 2.00% 7.00% 8.00% 7.00% 5.50% 7.00% 5.75% 7.00% 0.00% 7.00% 0.00% 7.00% 9.00% 0.00% 7.00% 7.00% 6.00% 7 4 4 10 5 8 7 4 7 7 10 7 4 7 4 9 7 0 4 7 0 7 6 7 7 7 8 3 3 9 4 4 7 5 7 8 7 0 4 0 7 0 7 0 7 7 0 7 4 4 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 N Y N Y Y Y N N Y Y Y Y Y N Y Y N N N N N N N Y Y Y N N Y N N N N N N Y Y Y N Y N N Y N Y N Y Y N N N N N Y N N Y N N N N N Y N N N N Y Y Y Y N Y N N N Y Y N Y Y N Y Y N N N N N Y Y N N N Y Y N N Y N N N Y N N N N N Y Y N N Y N N N N 0.50% - 1.50% 0.60% - 0.95% 0.50% - 1.50% 0.60% - 0.95% 0.65% - 0.65% 0.60% - 0.95% 0.55% - 1.50% 0.55% - 1.50% 0.55% - 1.50% 0.90% - 1.20% 0.95% - 1.25% 0.40% - 0.90% 0.60% - 0.95% 0.60% - 0.95% 1.10% - 1.30% 0.60% - 0.95% 0.50% - 1.25% No LBs 0.40% - 0.90% 0.40% - 0.90% 0.40% - 0.90% 0.90% - 0.90% 0.30% - 1.05% 0.40% - 1.25% 1.10% - 1.30% 0.90% - 1.10% 0.25% - 1.25% 0.30% - 1.05% 0.95% - 1.25% 0.55% - 1.50% 0.40% - 0.90% 0.40% - 1.25% 0.20% - 1.20% No LBs 0.75% - 1.15% 0.65% - 0.65% 0.55% - 1.50% 1.00% - 1.00% 0.70% - 1.35% 1.00% - 1.00% No LBs 0.60% - 0.95% 0.95% - 0.95% 0.60% - 1.50% 0.20% - 1.20% 0.30% - 1.05% No LBs 0.20% - 1.20% 0.20% - 1.20% No LBs JNL Psp 2-FIX(ED) AS APEX2-FIX(ED) JNL PspLFVA-FIX(ED) AS XC6-FIX(ED) VALIC PD-FIX(ED) AS AP3-FIX(ED) Met PrefPrm-FIX(ED) Met Invt Ser MetLife Balanced Strat B Met Invt Ser MetLife Balanced Strat B AZL Fusion Moderate RiverSource VP Diversified Bond 3 American Funds IS Growth-Income 2 AST Capital Growth Asset Allocation AST Capital Growth Asset Allocation SC Ibbotson Balanced Service AST Capital Growth Asset Allocation Thrivent Ser Moderate Allocation Fidelity VIP Strategic Income Inv American Funds IS Growth 2 American Funds IS Growth 2 LVIP Delaware Bond Svc JHT Lifestyle Growth Series II Pacific Select Inflation Managed Transamerica Asset Allc Mod Gr VP SC SC Ibbotson Balanced Service AXA Moderate Growth Strategy IB American Funds IS Growth 2 Pacific Select Managed Bond RiverSource VP Diversified Bond 3 MetInv XTRA-FIX(ED) American Funds IS Growth 2 Transamerica Asset Allc Mod Gr VP SC American Funds NVIT Asset Allocation II Fidelity VIP FundsManager 60% Inv Hartford Capital Appreciation HLS IA NYL Pre+Lvl-FIX(ED) Met Pref+SB-FIX(ED) JHT American Bond Trust Series III Anchor Ser Tr Government/Quality Bond 3 Met Invt Ser MetLife Balanced Strat B PIMCO VIT Total Return Adv AS LV2-FIX(ED) MML Ser Inv Fund Growth Allocation Svc JNL/Mellon Cap Mgmt JNL 5 A NVIT Inv Dest Moderate 2 Pacific Select Managed Bond MOA SA 2-FIX(ED) NVIT Inv Dest Moderate 2 American Funds NVIT Asset Allocation II ING Retirement Growth Adv 13% 12% 11% 16% 43% 11% 18% 17% 18% 12% 12% 19% 15% 13% 8% 15% 38% 10% 10% 9% 14% 30% 8% 12% 8% 24% 10% 9% 13% 18% 18% 41% 12% 100% 13% 30% 25% 9% 8% 25% 35% 13% 12% 8% 8% 8% 37% 19% 11% 12% GMAB Guaranteed Minimum Accumulation Benefit CDSC Contingent Deferred Sales Charge * Excludes 403(b) and other products sold primarily into group plans MorningstarAdvisor.com 77http://www.morningstaradvisor.com