Market Share Annual Con- Max. CDSC or tract Charges Front Load CDSC Years GMWB GMIB GMAB Living Benefit Charge Range Largest Subaccount by 12/31/09 Assets Share of Total Assets 5.11% 4.45% 3.66% 3.33% 3.13% 2.76% 2.70% 2.60% 2.25% 2.20% 1.86% 1.76% 1.58% 1.52% 1.51% 1.50% 1.44% 1.28% 1.24% 1.21% 1.14% 1.14% 1.12% 1.11% 1.09% 1.08% 1.08% 1.02% 1.00% 0.93% 0.90% 0.90% 0.88% 0.85% 0.80% 0.80% 0.79% 0.79% 0.76% 0.75% 0.75% 0.70% 0.60% 0.58% 0.56% 0.55% 0.54% 0.52% 0.52% 0.52% 1.39% 1.79% 1.31% 1.74% 1.79% 1.17% 1.72% 1.39% 1.27% 1.37% 1.60% 1.42% 1.64% 1.37% 1.85% 1.67% 1.45% 1.74% 1.65% 1.52% 1.77% 1.77% 1.37% 1.39% 1.80% 1.29% 1.31% 1.42% 0.73% 1.37% 0.35% 1.52% 1.82% 0.92% 1.44% 0.87% 1.47% 1.79% 1.55% 1.31% 1.42% 1.77% 1.77% 1.40% 1.22% 1.42% 1.27% 1.27% 1.27% 1.79% 8.00% 8.50% 5.00% 8.00% 9.00% 7.00% 7.00% 7.50% 6.00% 8.00% 8.50% 7.00% 7.00% 7.00% 8.00% 9.00% 7.00% 7.00% 6.00% 7.00% 6.00% 7.00% 7.00% 7.00% 7.00% 7.00% 7.00% 7.00% 5.75% 7.00% 0.00% 8.00% 8.00% 5.50% 8.00% 5.75% 8.00% 8.00% 8.00% 7.00% 7.00% 7.00% 8.00% 9.00% 7.00% 7.00% 7.00% 7.00% 7.00% 0.00% 5 4 5 4 10 7 4 8 7 9 7 7 4 7 4 9 7 4 3 3 4 3 7 7 4 7 6 3 0 7 0 8 9 0 7 0 8 4 7 7 7 4 4 7 7 7 3 7 7 0 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 N Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y Y N N N N N N Y N N Y N Y N Y N N Y Y N Y N Y N Y Y N Y N Y N N N Y N N Y N N N N Y N Y Y Y Y Y N N N Y Y N Y Y Y N Y N N Y N Y N N Y N N N Y N Y N N N Y Y Y N Y N N N N Y N N Y N Y Y N Y Y Y Y N Y Y Y 0.45%–1.25% 0.60%–1.20% 0.65%–0.65% 0.45%–1.25% 0.60%–1.20% 0.95%–1.25% 0.50%–1.50% 0.60%–1.20% 0.90%–0.90% 0.55%–1.50% 0.80%–1.20% 0.50%–1.50% 0.60%–1.20% 0.55%–1.50% 1.10%–1.30% 0.60%–1.20% 0.40%–0.90% 0.40%–0.90% No LBs 0.45%–1.40% 1.00%–1.20% 0.40%–1.05% 0.75%–1.15% 0.40%–0.90% 0.40%–0.90% 0.60%–1.20% 0.40%–1.05% 0.95%–1.25% 0.40%–0.90% 0.35%–0.85% No LBs 1.00%–1.20% 0.55%–1.50% 0.90%–0.90% 0.15%–1.25% 0.25%–1.00% 0.25%–1.25% 0.15%–1.25% 1.10%–1.30% 0.45%–0.95% 0.50%–1.00% 0.75%–0.75% 0.50%–1.00% 0.40%–1.05% 0.15%–1.00% 0.50%–1.00% 0.55%–1.50% 0.15%–1.00% 0.15%–1.00% 0.60%–1.20% JNL Psp 2-Fixed AS APEX2-Fixed VALIC PD-Fixed JNL PspLFVA-Fixed AS XC6-Fixed RiverSource VP Diversified Bond Met Invt Ser MetLife Gr Strat B AS AP3-Fixed JHT Lifestyle Growth Series II Met PrefPrm-Fixed AZL Fusion Moderate Met Invt Ser MetLife Balanced Strat B AST Capital Growth Asset Allocation Met Pref+Sl-Fixed SC Goldman Sachs Short Duration Initial AST Capital Growth Asset Allocation American Funds IS Growth-Income 2 American Funds IS Growth 2 JHT Lifestyle Growth Series II PIMCO VIT Total Return Admin ING Retirement Growth Class Adv Pacific Select Inflation Managed Hartford Capital Appreciation HLS IA American Funds IS Growth 2 American Funds IS Growth 2 AST Capital Growth Asset Allocation Pacific Select Inflation Managed RiverSource VP Diversified Bond LVIP Delaware Bond Svc Thrivent Ser Moderate Allocation Fidelity VIP Money Market Inv ING Retirement Growth Class Adv MetInv XTRA-Fixed JHT American Asset Allc Tr Ser III Transamerica Asset Allc Mod Gr VP SC Met Invt Ser MetLife Balanced Strat B American Funds IS Growth 2 Transamerica Asset Allc Mod Gr VP SC MFS Var Ins Tr II Total Return SC MML Ser Inv Fund Growth Allocation Svc AXA Moderate-Plus Allc B Hartford Capital Appreciation HLS IA AXA Moderate-Plus Allc B Pacific Select Managed Bond American Funds NVIT Asset Allocation II AXA Moderate Allocation B Metropolitan Ser Mod Agrsv Allocation B NVIT Inv Dest Moderate 2 NVIT Inv Dest Moderate 2 AS LV2-Fixed 14% 14% 43% 13% 18% 12% 18% 13% 30% 22% 10% 18% 15% 26% 7% 15% 19% 10% 29% 12% 12% 9% 13% 9% 18% 14% 8% 13% 13% 38% 14% 13% 22% 10% 12% 24% 10% 43% 7% 11% 23% 12% 23% 8% 11% 29% 11% 8% 19% 14% 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