Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 06/30/10 Assets Share of Total Assets 5.54% 3.88% 3.76% 3.51% 3.10% 2.69% 2.41% 2.40% 2.09% 1.99% 1.56% 1.43% 1.38% 1.31% 1.30% 1.28% 1.27% 1.12% 1.12% 1.11% 1.06% 0.98% 0.87% 0.86% 0.83% 0.81% 0.76% 0.73% 0.73% 0.72% 0.70% 0.66% 0.64% 0.63% 0.60% 0.59% 0.54% 0.53% 0.53% 0.52% 0.51% 0.49% 0.49% 0.48% 0.48% 0.48% 0.47% 0.43% 0.42% 0.41% 1.25% 1.70% 1.60% 1.30% 1.25% 1.25% 1.85% 1.60% 1.30% 1.40% 1.05% 1.65% 1.25% 1.60% 1.65% 1.25% 1.65% 0.65% 1.25% 0.35% 1.25% 1.30% 1.65% 1.15% 2.05% 1.35% 1.60% 1.30% 1.15% 1.35% 1.70% 1.52% 1.30% 1.65% 1.30% 1.30% 1.20% 1.55% 1.25% 0.75% 1.75% 0.80% 1.55% 1.35% 1.10% 1.30% 1.15% 1.15% 1.65% 1.50% 8.5 7 8 7 5 7 9 7 7 8.5 8 9 7 7 8.5 7 8 5.5 7 0 7.5 8 8 6 2 8 7 7 7 8 8 7 7 7 7 7 7 8 7 5.75 8 5.5 9 7 7 7 7 7 8 7 7 4 4 7 5 7 9 4 7 7 10 10 7 4 4 7 4 0 7 0 8 7 4 7 5 7 4 7 6 8 9 4 7 3 7 3 7 8 7 0 8 0 9 7 7 7 7 7 4 4 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 N Y Y N N Y Y Y Y Y Y Y Y Y N N N N N Y N Y Y N N N Y Y N Y N Y N N N N N N N N Y N Y N Y N Y Y N N N N N Y N N N N N N N N N Y Y Y Y Y N N Y N N Y Y Y N N Y N N N Y N Y Y Y N N N N N Y N N N N Y N Y N N N N Y N Y N N N Y Y N Y 0.50%–1.50% 0.60%–0.95% 0.50%–1.50% 0.60%–0.95% 0.65%–0.65% 0.55%–1.50% 0.60%–0.95% 0.55%–1.50% 0.55%–1.50% 0.90%–1.20% 0.95%–1.25% 0.60%–0.95% 0.40%–0.90% 0.40%–0.90% 0.60%–0.95% 0.40%–0.90% 1.10%–1.30% 0.40%–0.90% 0.50%–1.25% No LBs 0.60%–0.95% 0.40%–1.25% 0.40%–1.25% 0.90%–0.90% Bulit-In GMWB 1.10%–1.30% 0.40%–0.90% 0.90%–0.90% 0.30%–1.05% 0.25%–1.25% 0.55%–1.50% 0.70%–1.35% 0.90%–1.10% 0.30%–1.05% 0.20%–1.00% 0.95%–1.25% No LBs 0.85%–1.20% 0.75%–1.15% 1.00%–1.00% 0.65%–0.65% 1.00%–1.00% 0.60%–0.95% 0.60%–1.50% 0.85%–1.20% 0.70%–1.35% 0.95%–0.95% 0.60%–0.95% 0.90%–0.90% 0.55%–1.05% JNL Psp 2-FIX(ED) Prem Ret L-FIX(ED) JNL PspLFVA-FIX(ED) Prem Ret B-FIX(ED) VALIC PD-FIX(ED) Met PrefPrB-FIX(ED) AST Balanced Asset Allocation Met Invt Ser MetLife Balanced Strat B Met Invt Ser MetLife Balanced Strat B AZL Fusion Moderate RVST VP Moderate 4 AS XC6-FIX(ED) American Funds IS Growth-Income 2 American Funds IS Growth 2 AS APEX2-FIX(ED) American Funds IS Growth 2 SC Ibbotson Balanced Service LVIP Delaware Bond Svc Thrivent Ser Moderate Allocation PIMCO VIT Total Return Admin AS AP3-FIX(ED) Transamerica Asset Allc Mod Gr VP SC Transamerica Asset Allc Mod Gr VP SC JHT Lifestyle Growth Series II Fidelity VIP FundsManager 60% Inv SC Ibbotson Balanced Service American Funds IS Growth 2 AXA Moderate Growth Strategy IB Pacific Select Managed Bond Met Inv Ser Pioneer Strategic Inc A MetInv XTRA-FIX(ED) Sun PolCh3-FIX(ED) AXA Moderate Growth Strategy IB Pacific Select Managed Bond NWD Dstn B-FIX(ED) RVST VP Moderate 4 PIMCO VIT Total Return Adv NVIT Inv Dest Moderate 2 Hartford Total Return Bond HLS IA Met Invt Ser MetLife Balanced Strat B NYL Pre+Lvl-FIX(ED) JHT American Bond Trust Series III AST Capital Growth Asset Allocation No reported assets American Funds NVIT Asset Allocation II Sun PolPlt3-FIX(ED) MML Ser Inv Fund Growth Allocation Svc AST Capital Growth Asset Allocation AXA Moderate Growth Strategy IB PIMCO VIT Total Return Admin 14% 10% 12% 10% 46% 18% 8% 16% 17% 12% 39% 17% 18% 9% 12% 8% 9% 16% 39% 11% 11% 12% 37% 29% 100% 9% 17% 31% 11% 10% 17% 9% 25% 12% 20% 40% 35% 10% 14% 26% 23% 9% 13% n/a 12% 30% 12% 11% 31% 18% GMAB Guaranteed Minimum Accumulation Benefit CDSC Contingent Deferred Sales Charge * Excludes 403(b) and other products sold primarily into group plans MorningstarAdvisor.com 79http://www.MorningstarAdvisor.com