Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 06/30/09 Assets Share of Total Assets 3.98% 3.29% 3.20% 2.98% 2.80% 2.79% 2.66% 2.25% 2.21% 1.90% 1.81% 1.75% 1.59% 1.59% 1.45% 1.43% 1.38% 1.30% 1.29% 1.26% 1.24% 1.23% 1.20% 1.16% 1.15% 1.09% 1.06% 1.05% 1.03% 1.02% 1.00% 0.99% 0.98% 0.95% 0.87% 0.87% 0.82% 0.82% 0.81% 0.80% 0.79% 0.75% 0.75% 0.74% 0.70% 0.69% 0.68% 0.66% 0.62% 0.60% 1.39% 1.79% 1.27% 1.72% 1.17% 1.60% 1.74% 1.65% 1.37% 1.79% 1.42% 1.77% 1.42% 1.39% 1.52% 1.37% 1.85% 1.74% 1.52% 1.77% 1.77% 1.37% 1.80% 0.92% 1.69% 1.31% 1.45% 1.42% 1.31% 1.64% 0.87% 1.82% 1.42% 1.39% 1.79% 1.37% 1.77% 1.47% 0.73% 1.67% 1.27% 1.25% 1.44% 1.29% 1.89% 0.73% 1.55% 1.40% 1.27% 1.27% 8.50% 8.50% 6.00% 7.00% 7.00% 8.50% 8.00% 6.00% 7.00% 9.00% 7.00% 6.00% 7.00% 7.50% 7.00% 7.00% 8.00% 7.00% 8.00% 8.00% 7.00% 7.00% 7.00% 5.50% 9.00% 7.00% 7.00% 7.00% 7.00% 7.00% 5.75% 8.00% 7.00% 7.00% 8.00% 7.00% 7.00% 8.00% 5.75% 8.00% 7.00% 2.00% 8.00% 7.00% 9.00% 5.75% 8.00% 9.00% 7.00% 7.00% 7 4 7 4 7 9 4 3 7 10 7 4 7 8 3 3 4 4 8 4 3 7 4 0 9 6 7 3 7 4 0 9 7 7 4 7 4 8 0 9 3 5 7 7 10 0 7 7 7 7 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 Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N Y N Y Y N Y Y Y Y Y Y Y Y N Y Y Y Y N Y N N Y Y N Y N Y Y Y Y N N N N Y Y Y N Y Y N Y N Y N N Y Y Y Y Y Y Y N Y Y Y Y Y Y Y N N N Y Y Y N N N Y Y N Y Y Y N N Y N Y Y N N N Y Y N Y Y Y N N Y Y Y 0.45%–1.25% 0.60%–1.20% 0.90%–0.90% 0.50%–1.50% 0.95%–1.10% 0.80%–1.20% 0.45%–1.25% No LBs 0.55%–1.50% 0.60%–1.20% 0.50%–1.50% 1.00%–1.20% 0.50%–1.00% 0.60%–1.20% 0.55%–0.95% 0.55%–1.50% 1.10%–1.30% 0.40%–0.90% 1.00%–1.20% 0.50%–1.00% 0.40%–1.75% 0.75%–1.15% 0.40%–0.90% 0.90%–0.90% 0.60%–1.20% 0.40%–1.75% 0.40%–0.90% 0.95%–1.10% 0.45%–0.45% 0.60%–1.20% 0.25%–1.00% 0.55%–1.50% 0.50%–1.00% 0.40%–0.90% 0.15%–1.25% 0.35%–0.85% 0.75%–1.15% 0.25%–1.25% 0.40%–0.90% 0.50%–1.00% 0.55%–1.50% 0.00%–0.00% 0.15%–1.25% 0.60%–1.20% 0.60%–1.20% 0.40%–0.90% 1.10%–1.30% 0.40%–1.75% 0.15%–1.00% 0.15%–1.00% JNL Psp 2-Fixed AS APEX2-Fixed JHT Lifestyle Growth Series II Met Invt Ser MetLife Gr Strat B RiverSource VP Diversified Bond AZL Money Market JNL PspLFVA-Fixed JHT Lifestyle Growth Series II Met Pref+Sl-Fixed AS XC6-Fixed Met Invt Ser MetLife Gr Strat B ING LifeStyle Growth S AXA Moderate-Plus Allc B AS AP3-Fixed PIMCO VIT Total Return Admin Met PrefPrm-Fixed SC Goldman Sachs Short Duration Initial American Funds IS Growth 2 ING LifeStyle Growth S AXA Moderate-Plus Allc B Pacific Select Inflation Managed Hartfd L4-Fixed American Funds IS Growth 2 JH VOPP A-Fixed AST Capital Growth Asset Allocation Pacific Select Inflation Managed American Funds IS Growth-Income 2 RiverSource VP Diversified Bond MML Ser Inv Fund Growth Allocation Svc Pruco PremL-Fixed Met Invt Ser MetLife Balanced Strat B MetInv XTRA-Fixed EQ Accm8.2-Fixed American Funds IS Growth 2 Transamerica Asset Allc Mod Gr VP SC Thrivent Ser Moderate Allocation Hartford Capital Appreciation HLS IA American Funds IS Growth 2 LNL C+A A-Fixed AXA Moderate-Plus Allc B Metropolitan Ser Mod Agrsv Allocation B Fidelity VIP Balanced Inv Transamerica Asset Allc Mod Gr VP SC AST Capital Growth Asset Allocation AST Investment Grade Bond American Funds IS Growth-Income 2 SC Goldman Sachs Short Duration Initial Pacific Select Managed Bond BOA AmFut2-Fixed NVIT Inv Dest Moderate 2 18% 24% 29% 22% 14% 10% 17% N/A 30% 29% 19% 11% 21% 24% 11% 35% 9% 9% 10% 21% 9% 15% 17% 19% 14% 8% 19% 15% 10% 17% 20% 32% 26% 9% 47% 36% 11% 10% 17% 21% 11% N/A 11% 13% N/A 19% 9% 9% 8% 20% 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