"Performance returns are based on the period ending December 31, 2006" Performance returns are net of expenses SHORT TERM / MONEY MARKET FUNDS Short term fixed income funds generally invest in short-term bonds issued by governments or corporations. Money market funds invest in cash vehicles. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % TIAA Traditional Annuity (RA) 1.24 4.75 4.75 5.89 6.64 n/a 1918 n/a CREF Money Market 1.25 4.73 4.73 2.17 3.70 4.71 4/1/1988 0.42 ING ING Guaranteed Accumulation Account**** n/a n/a 4.00 n/a n/a n/a 1994 n/a ING VP Money Market Portfolio 1.19 4.51 4.51 1.93 3.40 n/a 9/30/1975 0.35 ING Fixed Plus Account**** 0.93 3.75 3.75 3.83 5.05 n/a 1994 n/a MetLife Fidelity VIP Money Market Fund 1.03 3.90 3.90 1.39 2.85 3.13 7/1/1991 1.24 Fixed Interest Account 0.89 3.50 3.50 3.54 4.33 4.89 7/1/1991 n/a AIG VALIC Money Market Fund n/a 3.58 3.58 0.97 2.43 2.43 1/16/1986 1.53 Fixed Account Plus n/a 4.50 4.50 4.35 5.02 5.02 4/1/1982 n/a Short-Term Fixed Account n/a 3.00 3.00 3.00 3.75 3.75 2/1/1982 n/a MARKET PERFORMANCE INDICATORS: iMoney Net Summary 1.20 4.50 4.50 1.97 3.40 CORE FIXED INCOME FUNDS These funds generally invest in investment-grade government and corporate bonds. They also make investments in high yield (below investment grade) bonds and in foreign bonds. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % CREF Bond Market Account 1.21 4.12 4.12 4.95 6.09 7.11 3/1/1990 0.47 Inflation-Linked Bond -1.45 -0.01 -0.01 6.74 n/a 6.41 5/1/1997 0.47 ING ING VP Intermediate Bond Portfolio 0.96 3.03 3.03 4.28 4.98 n/a 5/31/1978 1.49 Oppenheimer Strategic Income Portfolio** 3.87 7.35 7.35 5.17 5.67 n/a 10/31/1994 1.54 PIMCO Total Return 0.75 2.96 2.97 3.78 n/a n/a 5/3/2002 2.10 MetLife Fidelity VIP Invest. Grade Bond Portfolio 0.95 3.37 3.37 4.20 5.20 6.09 7/1/1991 1.44 BlackRock Bond Income 1.13 3.43 3.43 4.08 5.12 7.72 8/31/1990 1.42 AIG VALIC Capital Conservation Fund n/a 3.48 3.48 3.60 4.49 4.49 1/16/1986 1.70 Government Securities Fund n/a 2.01 2.01 3.35 4.55 4.55 1/16/1986 1.65 Vanguard Long-Term Corporate Fund n/a 1.83 1.83 6.16 6.18 6.18 7/9/1973 1.25 Vanguard Long-Term Treasury Fund n/a 0.73 0.73 5.77 6.30 6.30 5/19/1986 1.26 MARKET PERFORMANCE INDICATORS: Lehman Bros. Aggregate (Bond) Index 1.24 4.33 4.33 5.06 6.24 Morningstar General Bond Fund Average 1.25 4.15 4.15 4.14 5.19 Morningstar Government Bond Fund Average 0.51 2.67 2.67 4.25 5.12 INTERNATIONAL FIXED INCOME FUNDS These funds generally invest in bonds issued by governments and companies outside of the United States. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % AIG VALIC International Government Bond Fund n/a 6.88 6.88 9.62 4.06 4.06 10/1/1991 1.71 MARKET PERFORMANCE INDICATORS: Morningstar World Bond Fund Average 2.02 5.38 5.38 7.54 5.30 HIGH YIELD FIXED INCOME FUNDS "These funds generally invest in below-investment-grade corporate bonds (""junk bonds""). These bonds offer" "higher payments, but also carry an increased risk of default when compared to investment grade bonds." 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING PIMCO VIP High Yield Portfolio 3.30 n/a n/a n/a n/a 5.61 5/10/2006 1.50 Fidelity� VIP High Income Portfolio 3.94 10.02 10.02 9.30 n/a 0.11 5/12/1998 1.70 MetLife Lord Abbett Bond Debenture Portfolio 3.40 8.33 8.33 6.87 n/a 4.25 3/3/1997 1.51 AIG VALIC VALIC High Yield Bond Fund n/a 11.49 11.49 11.40 7.42 7.42 9/22/1998 1.74 MARKET PERFORMANCE INDICATORS: Lehman Bros. Aggregate (Bond) Index 1.24 4.33 4.33 5.06 6.24 Morningstar High Yield Bond Fund Average 4.04 10.14 10.14 8.93 5.32 BALANCED FUNDS "These funds generally invest in a mix of stocks, bonds and cash. They usually seek a risk/return profile in " between fixed income and equities. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % CREF Social Choice Account 4.52 10.15 10.15 6.48 7.91 10.05 3/1/1990 0.44 ING Calvert Social Balanced Portfolio 3.72 7.59 7.59 4.30 5.14 n/a 5/31/1989 2.02 ING VP Balanced Portfolio 4.38 8.90 8.90 4.94 6.49 n/a 4/3/1989 1.70 MFS Total Return Portfolio 4.70 10.67 10.67 5.98 5.66 n/a 5/26/1989 1.94 MetLife Calvert Social Balanced Portfolio 3.76 7.75 7.75 4.46 5.30 8.13 7/1/1991 1.87 BlackRock Diversified 4.39 9.49 9.49 4.13 5.65 8.07 8/31/1990 1.45 AIG VALIC Vanguard Wellington Fund n/a 13.51 13.51 7.59 8.42 8.42 7/1/1929 1.56 MARKET PERFORMANCE INDICATORS: Morningstar Moderate Allocation Fund Average 5.06 11.26 11.26 6.09 7.12 Morningstar Balanced Fund 4.87 10.67 10.67 6.18 6.92 ASSET ALLOCATION FUNDS "These funds generally invest in a mix of stocks, bonds and cash. Unlike traditional balance funds," "asset allocation funds often seek to maximize returns by shifting their mix between stocks, bonds and cash," based on the portfolio manager's opinion of which asset class will have greater returns. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING Fidelity VIP Asset Manager SM Portfolio 3.89 6.15 6.15 3.72 4.90 n/a 3/31/1994 1.74 ING VP Strategic Allocation Moderate Portfolio 5.25 10.07 10.07 5.70 4.87 n/a 7/5/1995 1.70 ING VP Strategic Allocation Growth Portfolio 6.36 12.07 12.07 6.55 5.08 n/a 7/5/1995 1.73 ING VP Strategic Allocation Conservative Portfolio 3.57 7.30 7.30 4.67 4.84 n/a 7/5/1995 1.65 MetLife MFS Total Return Portfolio 4.90 11.16 11.16 n/a n/a 7.76 7/1/1991 1.68 AIG VALIC Asset Allocation Fund n/a 10.65 10.65 5.35 6.46 6.46 9/6/1983 1.72 Aggressive Growth Lifestyle n/a 13.15 13.15 8.01 7.21 7.21 9/22/1998 0.85 Conservative Growth Lifestyle n/a 8.81 8.81 6.37 6.80 6.80 9/22/1998 0.85 Moderate Growth Lifestyle n/a 10.18 10.18 7.39 7.26 7.26 9/22/1998 0.85 MARKET PERFORMANCE INDICATORS: Morningstar Moderate Allocation Fund Average 5.06 11.26 11.26 6.09 7.12 Morningstar World Allocation Fund Average 6.36 16.67 16.67 12.40 10.00 INDEX FUNDS (stock funds) "These funds are available in many styles and versus many different indices, index funds attempt to match the " "performances of a specific index (as opposed to actively managed funds, which normally seek to outperform" a target index). 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % CREF Equity Index 7.00 15.23 15.23 6.73 8.31 11.10 4/29/1994 0.43 ING Fidelity VIP Index 500 Portfolio 6.39 14.47 14.47 4.87 6.99 n/a 5/31/1995 1.20 MetLife MetLife Stock Index Portfolio 6.33 14.38 14.38 4.87 7.03 10.00 7/1/1991 1.23 AIG VALIC Mid Cap Index Fund n/a 8.88 8.88 9.39 11.98 11.98 10/1/1991 1.39 Small Cap Index Fund n/a 16.89 16.89 9.87 8.13 8.13 5/1/1992 1.45 Stock Index Fund n/a 14.26 14.26 4.75 7.00 7.00 4/20/1987 1.36 MARKET PERFORMANCE INDICATORS: Standard & Poor's 500 Index 6.70 15.79 15.79 6.19 8.42 Standard & Poor's MidCap 400 6.99 10.32 10.32 10.89 13.47 Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 LARGE CAP VALUE FUNDS (stock funds) These funds generally invest in stock of companies on the higher-end of the market capitalization size spectrum. They generally invest in companies which they believe to be undervalued relative to the market. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING Fidelity VIP Equity-Income Portfolio 7.32 18.88 18.88 7.77 7.99 n/a 5/31/1994 1.66 ING Value Opportunity Portfolio 7.78 14.87 14.87 3.72 n/a 7.68 5/30/1997 1.80 MetLife Fidelity VIP Equity-Income Portfolio 7.36 19.07 19.07 7.94 8.15 10.23 7/1/1991 1.51 Harris Oakmark Large Cap Value 7.93 17.01 17.01 5.93 n/a 5.62 11/9/1998 1.73 AIG VALIC Vanguard Windsor II Fund n/a 16.78 16.78 8.75 8.87 8.87 6/24/1985 1.61 Core Value Fund (American Century) n/a 15.98 15.98 6.43 3.23 3.23 12/8/2000 1.83 MARKET PERFORMANCE INDICATORS: Standard & Poor's 500 Index 6.70 15.79 15.79 6.19 8.42 Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 Morningstar Large Cap Value Fund Average 7.19 18.18 18.18 8.38 8.80 LARGE CAP CORE FUNDS (stock funds) These funds generally invest in stock of companies on the higher-end of the market capitalization size spectrum. "They invest in both large cap growth and large cap value stocks, and/or in stocks which are not generally " perceived to be distinctly growth or value. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges Vendor Fund Name % % % % % % % CREF Stock 7.73 17.24 17.24 8.30 8.28 10.61 8/1/1952 0.48 ING Fidelity VIP Contrafund Portfolio 6.25 10.50 10.50 10.71 9.97 n/a 5/31/1995 1.76 ING Thornburg Value Portfolio 8.88 15.68 15.68 2.65 n/a 6.24 11/28/1997 1.90 ING VP Growth and Income Portfolio 6.40 13.07 13.07 3.79 3.81 n/a 5/1/1975 1.59 ING VP Index Plus Large Cap Portfolio 6.32 13.44 13.44 4.68 7.44 n/a 10/31/1996 1.45 MetLife American Funds Growth-Income 5.52 14.12 14.12 6.78 9.22 11.81 2/8/1984 1.49 AIG VALIC Core Equity Fund (Wellington/WAMU) n/a 10.63 10.63 3.34 3.17 3.17 4/29/1994 1.85 Growth & Income Fund (SunAmerica) n/a 14.21 14.21 3.48 4.66 4.66 4/29/1994 1.85 Social Awareness Fund n/a 14.37 14.37 4.46 6.63 6.63 10/2/1989 1.63 MARKET PERFORMANCE INDICATORS:*** Standard & Poor's 500 Index 6.70 15.79 15.79 6.19 8.42 Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 Morningstar Large Cap Blend Fund Average 6.74 14.15 14.15 5.92 7.79 LARGE CAP GROWTH FUNDS (stock funds) These funds generally invest in stock of companies on the higher-end of the market capitalization size spectrum. They generally invest in companies which they believe to have superior growth prospects. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % CREF Growth Account 5.55 5.49 5.49 1.09 3.87 7.81 4/29/1994 0.50 ING ING American Century Select Portfolio 6.62 -2.59 -2.59 n/a n/a 1.28 4/8/2005 1.66 ING UBS U.S. Large Cap Equity Portfolio 6.51 13.37 13.37 5.11 n/a 3.72 11/28/1997 1.85 ING T.Rowe Price Growth Equity Portfolio 6.19 12.17 12.17 4.80 n/a 6.26 11/28/1997 1.75 ING Legg Mason Partners Agg Growth Portfolio 3.70 9.19 9.19 2.78 n/a 1.39 11/28/1997 1.81 MetLife Fidelity VIP Growth Portfolio 3.31 5.85 5.85 0.69 5.53 9.49 7/1/1991 1.62 BlackRock Aggressive Growth 6.43 5.72 5.72 5.02 3.32 8.88 8/31/1990 1.74 BlackRock Investment Trust 6.28 13.04 13.04 3.76 5.70 9.73 8/31/1990 1.50 AIG VALIC VALIC Ultra Fund ( American Century)***** n/a -4.32 -4.32 n/a -5.98 -5.98 5/30/2006 1.93 Large Capital Growth (SAAMCo/AIM)***** n/a 6.18 6.18 n/a 5.41 5.41 5/30/2006 1.79 MARKET PERFORMANCE INDICATORS: Standard & Poor's 500 Index 6.70 15.79 15.79 6.19 8.42 Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 Morningstar Large Cap Growth Fund Average 5.56 6.93 6.93 2.88 5.88 MID CAP VALUE FUNDS (stock funds) These funds generally invest in stock of companies on the middle-end of the market capitalization size spectrum. They generally invest in companies which they believe to be undervalued relative to the market. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING Lord Abbett Mid Cap Value Portfolio 8.60 11.12 11.12 10.03 n/a 10.00 7/26/2001 2.22 MetLife Harris Oakmark Focused Value Portfolio 7.46 11.40 11.40 9.42 9.79 11.29 4/29/1993 1.72 AIG VALIC Ariel Appreciation Fund n/a 9.84 9.84 7.60 11.64 11.64 12/1/1989 2.14 MARKET PERFORMANCE INDICATORS: Standard & Poor's MidCap 400 Index 6.99 10.32 10.32 10.89 13.47 Morningstar MidCap Value Fund Average 8.04 15.89 15.89 11.55 10.86 MID CAP CORE FUNDS (stock funds) These funds generally invest in stock of companies on the middle-end of the market capitalization size spectrum. "They invest in both mid cap growth and mid cap value stocks, and / or in stocks which are not generally" perceived to be distinctly growth or value. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING ING VP Index Plus MidCap Portfolio 6.10 8.35 8.35 9.45 n/a 9.84 5/4/1998 1.49 MetLife FI MidCap Opportunities Portfolio 9.64 10.81 10.81 5.02 n/a 7.65 3/3/1997 1.70 MARKET PERFORMANCE INDICATORS: Standard & Poor's MidCap 400 Index 6.99 10.32 10.32 10.89 13.47 Morningstar MidCap Blend Fund Average 7.75 13.92 13.92 10.51 10.99 MID CAP GROWTH FUNDS (stock funds) These funds generally invest in stock of companies on the middle-end of the market capitalization size spectrum. They generally invest in companies which they believe to have superior growth prospects. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING ING T. Rowe Price Diversified MidCap Growth Port 6.94 8.02 8.02 n/a n/a 15.65 12/26/2002 1.66 MetLife Calvert Social Mid Cap Growth Portfolio 5.08 5.87 5.87 1.13 5.43 7.04 7/1/1991 2.15 AIG VALIC Mid Cap Strategic Growth(Morgan Stanley/Brazos)***** n/a 5.04 5.04 n/a 8.83 8.83 5/30/2006 1.84 MARKET PERFORMANCE INDICATORS: Standard & Poor's MidCap 400 Index 6.99 10.32 10.32 10.89 13.47 Morningstar MidCap Growth Fund Average 6.86 9.01 9.01 6.48 8.31 SMALL CAP VALUE FUNDS (stock funds) These funds generally invest in stock of companies on the lower-end of the market capitalization size spectrum. They generally invest in companies which they believe to be undervalued relative to the market. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING Franklin Small Cap Value Securities Class I 8.03 15.82 15.82 12.42 n/a 12.37 8/31/2001 1.99 MetLife BlackRock Strategic Value 8.31 15.63 15.63 9.58 n/a 13.14 7/5/2000 1.84 AIG VALIC Ariel Fund n/a 9.25 9.25 9.42 11.99 11.99 11/6/1986 2.03 MARKET PERFORMANCE INDICATORS: Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 Morningstar Small Cap Value Fund Average 8.44 16.26 16.26 13.85 12.39 SMALL CAP CORE FUNDS (stock funds) These funds generally invest in stock of companies on the lower-end of the market capitalization size spectrum. "They invest in both small cap growth and small cap value stocks, and / or in stocks which are not generally" perceived to be distinctly growth or value. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING ING VP Small Company Portfolio 7.82 15.64 15.64 8.14 n/a 10.12 5/30/1997 1.85 AIG VALIC Small Cap Fund (AmCent/Franklin/T.Rowe Price) n/a 7.33 7.33 6.60 3.62 3.62 12/8/2000 1.95 MARKET PERFORMANCE INDICATORS: Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 Morningstar Small Cap Blend Fund Average 8.39 15.06 15.06 11.72 11.24 SMALL CAP GROWTH FUNDS (stock funds) These funds generally invest in stock of companies on the lower-end of the market capitalization size spectrum. They generally invest in companies which they believe to have superior growth prospects. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING ING VP Index Plus SmallCap Portfolio 6.94 12.69 12.69 10.95 n/a 6.99 5/4/1998 1.49 MetLife T. Rowe Price Small Cap Growth Portfolio 5.04 2.92 2.92 4.77 n/a 4.69 3/3/1997 1.55 AIG VALIC Small Cap Aggressive Growth Fund(Credit Suisse)***** n/a 3.76 3.76 n/a 1.60 1.60 5/30/2006 2.00 MARKET PERFORMANCE INDICATORS: Russell 2000 Index 8.90 18.37 18.37 11.39 9.44 Morningstar Small Cap Growth Fund Average 7.89 10.49 10.49 6.12 8.02 GLOBAL STOCK FUNDS These funds generally invest in the stocks of United States companies and in the stocks of companies whose headquarters are located outside of the United States. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % CREF Global Equities Fund 8.68 19.09 19.09 9.14 7.14 9.73 5/1/1992 0.52 ING ING Oppenheimer Global-Int 8.34 16.81 16.81 n/a n/a 19.20 3/22/2005 1.66 MetLife Oppenheimer Global Equity 8.24 15.50 15.50 10.52 n/a 7.68 3/3/1997 1.88 AIG VALIC Global Equity Fund (Putnam)***** n/a 21.41 21.41 n/a 20.09 20.09 5/30/2006 1.98 Global Strategy Fund (Franklin Templeton)***** n/a 19.92 19.92 n/a 19.94 19.94 5/30/2006 1.72 MARKET PERFORMANCE INDICATORS: Morningstar World Stock Fund Average 8.95 19.51 19.51 10.78 8.68 Morningstar World Allocation Fund Average 6.36 16.67 16.67 12.40 10.00 FOREIGN STOCK FUNDS These funds generally invest in the stocks of companies whose headquarters are located outside of the United States. The principal markets foreign stock funds invest in are usually located in Western Europe and Japan. 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING ING VP International Value Portfolio 11.27 28.16 28.16 11.69 n/a 10.21 7/26/2001 2.14 ING JPMorgan Fleming Interntl Portfolio 7.99 20.99 20.99 10.03 n/a 6.28 11/28/1997 2.00 MetLife Fidelity VIP Overseas Portfolio 9.80 16.97 16.97 11.73 6.63 6.76 7/1/1991 1.84 FI International Stock Portfolio 7.84 15.40 15.40 10.36 4.50 5.16 7/1/1991 2.01 AIG VALIC International Equities Fund n/a 21.84 21.84 11.18 5.04 5.04 10/2/1989 1.56 International Growth I Fund (Am Century) n/a 25.12 25.12 10.12 2.71 2.71 12/8/2000 2.01 Foreign Value Fund (Franklin Templeton)***** n/a 20.97 20.97 n/a 20.53 20.53 5/30/2006 1.84 MARKET PERFORMANCE INDICATORS: MSCI EAFE Index 10.35 26.34 26.34 14.98 7.71 Morningstar Foreign Large Cap Growth Fund 10.89 23.78 23.78 12.54 6.85 Morningstar International Stock Fund Average 11.37 25.08 25.08 15.44 8.94 EMERGING MARKETS FUNDS (stock funds) "These funds generally invest in the stocks of companies headquartered outside of the United States, Canada, or" "developed nations in Asia and Europe. Emerging markets typically include Mexico, Brazil, Russia and China." 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % ING ING JP Morgan Emerging Markets Fund 17.41 34.83 n/a n/a n/a 39.10 11/10/2005 2.25 MARKET PERFORMANCE INDICATORS: MSCI Emerging Markets 17.28 29.18 29.18 23.52 6.73 Morningstar Diversified Emerging Markets 17.85 32.38 32.38 25.99 10.10 SPECIALTY FUNDS 5 Year 10 Year Life of Three Year One Average Average Fund Avg. Fund Total Month To Date Year Annual Annual Annual Inception Contract Return Return Return Return Return Return Date Charges* Vendor Fund Name % % % % % % % TIAA Real Estate Fund 2.04 14.04 14.04 10.22 9.43 9.23 10/2/1995 0.63 ING GET Fund (Series 2)*** 2.55 5.59 5.59 n/a n/a 2.86 12/12/2003 1.25 GET Fund (Series 3)*** 2.32 5.29 5.29 n/a n/a 1.91 3/12/2004 1.25 GET Fund (Series 7)*** 4.50 9.17 9.17 n/a n/a 5.61 3/9/2005 1.25 ING VP Natural Resources Trust** 13.90 20.52 20.52 18.95 8.28 10/14/1991 2.18 AIG VALIC Science & Technology Fund (T. Rowe Price) n/a 4.80 4.80 -1.03 0.25 0.25 4/29/1994 2.01 MARKET PERFORMANCE INDICATORS: Lehman Bros. Aggregate (Bond) Index 1.24 4.33 4.33 5.06 6.24 Standard & Poor's 500 Index 6.70 15.79 15.79 6.19 8.42 Morningstar Real Estate Fund Average 10.07 33.61 33.61 22.98 14.60 Morningstar Natural Resources Fund Average 8.00 10.14 10.14 20.74 13.00 Morningstar Technology Fund Average 6.05 7.14 7.14 1.08 6.54 CONSUMER PRICE INDEX 5 Year 10 Year (rate of inflation) Three Year One Average Average Months To Date Year Annual Annual % % % % % 0.20 2.54 2.54 2.69 2.44 AIG VALIC and ING fund returns include 10 year average return when fund has been in existence for at least 10 years. "If fund is less than 10 years old, then life of fund average is included." AIG VALIC does not report 3-month returns. * TOTAL CONTRACT CHARGES include the fund expense ratio as well as mortality and administrative expenses (if applicable). EXPENSE RATIO is the percent of the fund's total net assets spent for the operation and management of the fund. Performance returns are net of expenses RISK EXPENSE in fixed annuities represents the cost of insuring account accumulations. ** These funds are closed to new investors. ***The ING GET Fund is reinvested at maturity and does not exist once matured. ****Rates for these funds are expressed as an annual effective yield. *****AIG VALIC substituted these funds with sub-advised versions of the existing fund or new funds in May 2006 to lower fund expenses. These funds must be in a product for a full calendar quarter before performance can be listed according to the NASD. (n/a) Not applicable More information on these investment funds can be found on the vendor websites.