Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 9/30/07 Assets Share of Total Assets 3.24% 2.86% 2.79% 2.46% 2.02% 1.89% 1.86% 1.76% 1.72% 1.70% 1.47% 1.44% 1.39% 1.38% 1.27% 1.23% 1.22% 1.11% 1.10% 1.09% 1.08% 1.06% 1.00% 0.98% 0.95% 0.92% 0.91% 0.87% 0.80% 0.80% 0.76% 0.75% 0.64% 0.64% 0.63% 0.62% 0.61% 0.61% 0.61% 0.60% 0.57% 0.57% 0.56% 0.55% 0.55% 0.54% 0.53% 0.53% 0.51% 0.51% 0.68% 0.53% 0.67% 0.79% 0.55% 0.74% 0.65% 0.79% 0.65% 0.62% 0.65% 0.74% 0.53% 0.69% 0.50% 0.56% 0.62% 0.61% 0.66% 0.69% 0.70% 0.47% 0.61% 0.57% 0.68% 0.50% 0.50% 0.69% 0.61% 0.79% 0.65% 0.67% 0.67% 0.70% 0.56% 0.69% 0.55% 0.56% 0.53% 0.62% 0.65% 0.69% 0.64% 0.59% 0.74% 0.57% 0.77% 0.57% 0.71% 0.79% 8.00% 8.50% 6.00% 7.00% 7.00% 9.00% 7.00% 9.00% 7.00% 6.00% 7.00% 8.50% 8.00% 8.00% 7.00% 8.00% 6.00% 8.00% 6.00% 7.00% 8.00% 0.00% 8.00% 7.00% 7.00% 7.00% 5.75% 8.00% 8.00% 7.00% 7.00% 8.50% 7.00% 5.75% 7.00% 7.00% 8.00% 7.00% 7.00% 6.00% 8.00% 8.00% 8.00% 7.00% 7.50% 7.00% 9.00% 8.50% 7.00% 7.00% 10 7 0 3 7 0 7 7 4 0 7 4 4 4 4 9 4 8 5 7 8 0 9 4 3 7 0 4 4 6 4 0 3 0 4 7 9 7 7 6 8 8 7 7 8 7 9 9 4 6 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 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 — Y Y — — Y — — — Y Y — — — Y — — Y Y Y — — Y — Y Y Y Y Y — — Y Y Y Y — — — Y Y 0.60% – 0.85% 0.00% – 1.15% 0.40% – 0.65% 0.25% – 0.85% 0.50% – 0.80% 0.25% – 0.75% 0.20% – 0.50% 0.25% – 0.85% 0.20% – 0.50% 0.40% – 0.65% 0.20% – 0.50% 0.25% – 0.75% 0.00% – 1.15% 0.60% – 0.75% 0.45% – 0.80% 0.50% – 0.80% 0.60% – 0.85% 0.60% – 0.85% None 0.50% – 0.75% 0.50% – 0.75% None 0.60% – 0.85% 0.45% – 0.80% 0.60% – 0.85% 0.45% – 0.80% 0.45% – 0.80% 0.50% – 0.80% 0.35% – 0.85% 0.25% – 0.85% 0.20% – 0.50% 0.40% – 0.65% 0.25% – 0.70% 0.50% – 0.50% 0.50% – 0.80% 0.50% – 0.80% 0.50% – 0.80% 0.50% – 0.60% 0.55% – 0.95% 0.50% – 0.85% 0.20% – 0.50% 0.50% – 0.80% 0.00% – 0.00% 0.50% – 0.60% 0.25% – 0.75% 0.45% – 0.80% 0.50% – 0.75% 0.45% – 1.50% 0.00% – 0.90% 0.25% – 0.85% RiverSource VP Diversified Bond JNL/Mellon Cap Mgmt JNL 5 A JHTrust Lifestyle Growth Series II Pacific Select Fund Mid–Cap Value Met Pref+Sl–FIX(ED) AST Capital Growth Asset Allocation American Funds Ins Ser Growth–Income 2 Pacific Select Fund Mid–Cap Value Not Available JHTrust Lifestyle Growth Series II Hartford Capital Apprec HLS IA (MF) AST Capital Growth Asset Allocation JNL/Mellon Cap Mgmt JNL 5 A AXA Premier VIP Moderate–Plus Alloc B American Funds Ins Ser Growth–Income 2 Met Invt Ser Tr Metlf Growth Strat Prt B ING InvTr Lifestyle Growth S ING InvTr Lifestyle Growth S EQ EV 300/400–FIX(ED) AXA Premier VIP Moderate–Plus Alloc B AXA Premier VIP Moderate–Plus Alloc B Fidelity VIP Money Market Inv ING InvTr T. Rowe Price Cap Apprec S American Funds Ins Ser Growth–Income 2 RiverSource VP Diversified Bond American Funds Ins Ser Growth–Income 2 American Funds Ins Ser Growth–Income 2 AXA Premier VIP Moderate–Plus Alloc B PIMCO VIT Low Duration Admin PacLf Voy–FIX(ED) Hartford Capital Apprec HLS IB (MF) JHTrust Lifestyle Growth Series II Ohio ONcrLt–FIX(ED) Sun Pol2APl–FIX(ED) Met Invt Ser Tr Metlf Growth Strat Prt B AXA Premier VIP Moderate–Plus Alloc B American Funds Ins Ser Growth 2 Nationwide NVIT Inv Dest Moderate 2 Thrivent Ser Moderate Allocation GE Investments Funds Total Return 1 Not Available AXA Premier VIP Moderate–Plus Alloc B Allz H5–FIX(D1) Nationwide NVIT Inv Dest Mod Agg 2 AST Capital Growth Asset Allocation American Funds Ins Ser Growth–Income 2 AST Capital Growth Asset Allocation American Funds Ins Ser Growth–Income 2 AIG PolCh3–FIX(ED) Pacific Select Fund Inflation Managed 12% 19% 35% 9% 23% 17% 14% 8% N/A 44% 22% 18% 25% 31% 19% 31% 13% 11% 65% 27% 26% 22% 7% 12% 13% 25% 23% 29% 13% 15% 14% 22% 12% 23% 44% 28% 9% 24% 32% 16% N/A 29% 23% 10% 20% 13% 33% 10% 20% 8% GMAB Guaranteed Minimum Accumulation Benefit MorningstarAdvisor.com 93http://MorningstarAdvisor.com