Quarterly Portfolio Guide

Transcription

1 An Educational Guide for Individuals Quarterly Portfolio Guide September 30, 2015 Insight into the underlying funds of MassMutual Transitions Select SM variable annuity

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3 2 of 113 Gain insight into your investment choices This variable annuity offers a broad range of investment choices so you and your financial professional can develop an investment strategy that fits your risk tolerance, time horizon and investment objectives. This brochure provides important information so you can gain a true insight into these investment choices and select the investment choices that best suit you. A deferred variable annuity is a long-term investment designed to help you accumulate assets for retirement. It also offers a broad array of investment choices and asset classes, fixed accounts, death benefit choices and multiple methods to turn those assets into a stream of guaranteed income at some point in the future. (Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or the safety of amounts held in the variable investment choices.) Variable annuities are not appropriate for everyone. There are fees and charges associated with owning an annuity. Variable annuities are subject to market risk, including the potential loss of principal. Also, withdrawals of earnings will be subject to income tax and may be subject to a 10 percent federal income tax penalty if taken prior to age 59 ½. Before purchasing MassMutual Transitions Select, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract. For this and other information, obtain the MassMutual Transitions Select prospectus from your registered representative. The prospectus should be read carefully before investing or sending money. You may also obtain the prospectuses (or summary prospectuses, if available) for its underlying investment choices from your registered representative.

4 3 of 113 Brand name investment management Massachusetts Mutual Life Insurance Company (MassMutual) variable annuities offer some of the most recognizable names in money management today. MassMutual strives to provide contract owners with access to high-caliber investment managers who offer consistent, quality investment strategies. The ability to invest in investments managed by these types of experienced investment management companies may help you attain your desired investment results over the long term. As of May 1, 2015, subject to change. Not FDIC/ NCUA Insured No Bank/ Credit Union Guarantee May Lose Value Not Insured by any Government Agency Not a Bank/Credit Union Deposit or Other Obligation A variable annuity is a long-term investment designed to help you accumulate assets for retirement. It also offers a broad array of investments and asset classes, fixed accounts, death benefit choices and multiple methods to turn those assets into a stream of guaranteed income at some point in the future. Guarantees are based on the claims-paying ability of the issuing company and do not apply to the investment performance or the safety of amounts held in the variable investments. Variable annuities are not appropriate for everyone and do not provide any additional tax advantage when used to fund a qualified plan. There are fees and charges associated with owning an annuity. Variable annuities are subject to market risk, including the potential loss of principal. Also, withdrawals of earnings will be subject to ordinary income tax and may be subject to a 10 percent federal income tax penalty tax if taken prior to age

5 4 of 113 A broad range of investment approaches 1 The do-it-yourself approach Create your own investment mix from the investment options below. Work with your financial professional to develop an asset allocation from the broad selection of asset classes and investment styles. Optional: automatic rebalancing to move back to your selected allocation You can develop your investment strategy using one of the three investment approaches. Broad range of investments (as of May 1, 2015; fund sub-adviser may be noted in parentheses.) Equity Large Cap Value MML Equity (Oppenheimer/ Loomis Sayles) MML Equity Income (T. Rowe Price) MML Fundamental Value (Wellington) MML Income & Growth (BlackRock) Large Cap Blend Fidelity VIP Contrafund Invesco V.I. Diversified Dividend MML Equity Index (Northern Trust) MML Focused Equity (Harris) MML Growth & Income (MFS ) Oppenheimer Main Street Large Cap Growth MML Blue Chip Growth (T. Rowe Price) MML Fundamental Growth (Wellington) MML Growth (American Funds ) 1 MML Large Cap Growth (Rainier) Oppenheimer Capital Appreciation Small/Mid Cap Value MML Mid Cap Value (American Century) MML Small/Mid Cap Value (AllianceBernstein) MML Small Company Value (T. Rowe Price) Small/Mid Cap Blend MML Small Cap Equity (Oppenheimer) Small/Mid Cap Growth MML Mid Cap Growth (T. Rowe Price) Oppenheimer Discovery Mid Cap Growth MML Small Cap Growth Equity (Waddell & Reed/Wellington) Fixed Income Money Market MML Money Market (Babson) 2 Short-term Bond MML Short-Duration Bond (Babson) Inflation-Protected Bond MML Inflation-Protected and Income (Babson) Investment Grade Bond MML Managed Bond (Babson) MML Total Return Bond (MetWest) Multi-Sector Bond Oppenheimer Global Strategic Income High Yield Bond MML High Yield (Babson) Asset Allocation MML Aggressive Allocation MML Balanced Allocation MML Conservative Allocation MML Core Allocation (American Funds ) MML Growth Allocation MML Moderate Allocation Balanced MML Blend (Babson) Specialty Invesco V.I. Global Health Care Invesco V.I. Technology Ivy Asset Strategy MML Managed Volatility (Gateway) Oppenheimer Global Multi-Alternatives PIMCO CommodityRealReturn Strategy VY Clarion Global Real Estate Global International Global Equity MML Global (MFS ) Oppenheimer Global International Equity MML Foreign (Templeton) MML International (American Funds ) 1 MML International Equity (Harris) Oppenheimer International Growth Emerging Markets Equity MML Strategic Emerging Markets (Oppenheimer) Certain investments may not be available with certain living benefits. Please ask your registered representative or see the applicable product application for details. For investments of existing contract owners, please refer to the monthly Performance Update [available at (click on Products & Solutions then click on Product/ Fund Prospectus, select the product and click on Monthly Performance) or ask your registered representative]. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. 1 The underlying MML Fund does not buy investment securities directly, but instead invests in shares of a corresponding American Funds master fund, which in turn purchases investment securities. 2 An investment in money market funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although money market funds seek to maintain a stable net asset value per share, it is possible to lose money by investing in these funds.

6 5 of 113 Important information about the fact sheets The fact sheets included in this brochure provide detailed information about the historical performance of the investment choices in your variable annuity. They also provide valuable information about the underlying funds the investment choices (sub-accounts) invest in. Please refer to these important definitions and concepts as you review the fact sheets. They will help you gain a better understanding of the investment choices you have elected, or the investment choices you may elect in the future. Important note: the fact sheets cannot be printed separately. Performance There are three sets of performance numbers for each investment choice. Each varies by the level of fees and charges deducted. Fees and charges will reduce your investment return. Past performance is no indication of future results. Current performance may be lower or higher than the performance data quoted. The investment return and principal value of an investment will fluctuate so that an investor s shares, when redeemed, may be worth more or less than their original cost. For the most recentmonth end performance, please visit our Web site at or call the MassMutual Customer Service Center (800) , 8:00 a.m. to 8:00 p.m. (ET). MassMutual Transitions Select first became available (in most states) on August 16, 2004, but many of the underlying funds were established before this date. For these funds, the total returns are computed using hypothetical variable annuity unit values which are based on the underlying fund s performance less separate account expenses for the periods shown, including periods before the product was available. For periods of less than one year, the total return is not annualized and is the percentage change in an Accumulation Unit. For periods one year and greater, the average annual total return for the time periods is shown. Underlying Fund Average Annual Total Returns reflect the deduction of total fund operating expenses, including any 12b-1 fees. These returns do not reflect product charges, therefore are not indicative of the investment returns you will earn. However, they allow you to better gauge how the investment manager has performed relative to an unmanaged benchmark. Sub-Account Average Annual Total Returns reflect product charges, referred to as total separate account expenses. They also include total fund operating expenses, including any 12b-1 fees. They do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would further reduce the returns shown. Sub-Account Standardized Average Annual Returns are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. These returns reflect product charges (total separate account expenses), total fund operating expenses including any 12b-1 fees, annual maintenance charge (contract level charges) of $40.00 and contingent deferred sales charges (CDSC). They do not reflect the charges for any optional contract features. Their inclusion would further reduce the returns shown. Fund Expenses Gross Fund Expenses are the total operating expenses charged by any of the funds, expressed as a percentage of average net assets, for the prior year end. More detail concerning each fund s fees and expenses that you may pay periodically during the time that you own the contract, is contained in each fund prospectus. Net Fund Expenses are the Total Annual Fund Operating Expenses, minus any waivers or reimbursements put in place by the fund company.

7 6 of 113 Fundamental Characteristics (Fixed Income and Equity) Coupon is the dollar-weighted average of all the current coupons of the bonds in a portfolio. Credit Quality represents the grading of a debt security with respect to the issuer s ability to meet interest and principal requirements in a timely manner. Issues rated AAA, AA, A and BBB are considered investment grade, while issues rated BB, B and below are considered below investment grade or high yield bonds. Higher rated bonds generally provide lower yields and greater safety relative to below investment grade bonds. Dividend Yield is the yield a company pays out to its shareholders in the form of dividends. It is calculated by taking the amount of dividends paid per share over the course of a year and dividing by the stock s price. Duration represents the interest rate sensitivity of a fixed income fund. For example, if a fund s duration is five years, a 1% increase in interest rates would result in a 5% decline in the fund s price. Similarly, a 1% decline in interest rates would result in a 5% gain in the fund s price. Earnings per Share (EPS) are total earnings divided by the number of shares outstanding. Historical Three-Year EPS Growth is the percent change in earnings per share (EPS) over the past three years. Market Capitalization represents the aggregate value of a company or stock. It is obtained by multiplying the number of shares outstanding by their current price per share. For example, if XYZ company has 15,000,000 shares outstanding and a share price of $20 per share then the market capitalization is 15,000,000 x $20 = $300,000,000. Maturity (Life) is the dollar-weighted average of all the current maturities of the bonds in a portfolio. The longer the average life, the more sensitive the portfolio will be to changes in interest rates. Price to Book represents a stock s market capitalization divided by its book value. This ratio compares the market s valuation of a company to the value of that company as indicated on its financial statements. Price to Earnings (P/E) are the most common measure of how expensive a stock is. The P/E ratio is equal to a stock s market capitalization divided by its after-tax earnings over a 12-month period, usually the trailing period but occasionally the current or forward period. Modern Portfolio Theory Risk Statistics These are statistics that will help you better understand the risk and return attributes of the underlying funds you invest in. Alpha (risk-adjusted excess return) measures the difference between a funds actual return and what was expected based on its market risk (beta). Beta (market risk) measures the sensitivity of a fund to its benchmark. For example, if a funds beta is 1.10, it is expected to move up or down 1.10 times that of the benchmark index. R-Squared (goodness of fit) represents the correlation of a fund with its benchmark index. For example, an R-Squared of.90 means the benchmark is a good proxy for the type of securities held within the fund. A reading of.70 may mean an inappropriate benchmark, which reduces the validity of relative statistics such as alpha and beta. Risk Reward Chart plots the return and standard deviation of the fund and index. The top left panel indicates greater return with less risk and the bottom left panel indicates less return with less risk. The top right panel indicates greater return with greater risk and the bottom right panel indicates less return with greater risk. Sector Weight Chart/Table depicts the classification of holdings into broad sector groups identifying the general business operations of the company. Sharpe Ratio (excess return per unit of risk) measures the return above or below the risk-free rate (T-bills), per unit of risk take (fund s standard deviation). Standard Deviation measures the fund s volatility of returns, or level of absolute risk. If a portfolio has a standard deviation of 12%, its returns have been +/-12 percentage points of its average for 2/3rds of the measurement periods.

8 7 of 113 Indices Definitions Indices are an unmanaged group of stocks or bonds monitored to provide insight into how the markets are performing. Investment managers often benchmark the performance of the funds they manage against indices with attributes consistent with the funds strategy. For example, a large cap fund manager may benchmark their funds performance to the S&P 500. The definitions that follow will provide you a short description of each index. Barclays U.S. Aggregate Bond Index is an unmanaged index of fixed rate investment grade securities with at least one year to maturity combining the Barclays Capital Government/Credit Index and the Barclays Capital Mortgage-Back Securities Index. Barclays U.S. 1-3 Year Government Bond Index is an unmanaged index of U.S. government bonds with 1-3 years remaining to the scheduled payment of principal. Barclays U.S. Corporate High Yield Index covers the universe of fixed rate, non-investment grade debt. The index includes both corporate and non-corporate sectors. Barclays U.S. Treasury 3 Month Bellwether Index measures the performance of Treasury bills with a maturity of less than three months. Barclays U.S. Treasury Inflation Protected Securities (TIPS) Index (Series-L) measures the performance of intermediate (1-10 year) U.S. Treasury Inflation Protected Securities. Dow Jones (DJ) AIG Commodity Total Return Index is an unmanaged index composed of futures contracts on 19 physical commodities. The index is designed to be a highly liquid and diversified benchmark of commodities as an asset class. Morgan Stanley Capital International Europe, Australasia and Far East Index (MSCI EAFE ) is a widely recognized index representative of foreign securities in the major non-u.s. markets of Europe, Australasia and the Far East. Morgan Stanley Capital International (MSCI ) Emerging Markets (EM) Index measures the performance of emerging market stocks. Morgan Stanley Capital International (MSCI ) China Index is an unmanaged market capitalization-weighted index of Chinese companies available to non-domestic investors. Morgan Stanley Capital International (MSCI ) World ex USA Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets excluding the USA. Morgan Stanley Capital International (MSCI ) World Health Care Index is a free float-adjusted market capitalization index that represents the health care segment in global developed market equity performance. Morgan Stanley Capital International (MSCI ) World Index is a free float-adjusted market capitalization weighted index that is designed to measure the equity market performance of developed markets. NASDAQ 100 Index is a registered service mark of the NASDAQ Stock Market, Inc. (NASDAQ). The NASDAQ 100 Index is composed and calculated by NASDAQ without regard to the Fund. NASDAQ makes no warranty, express or implied, regarding, and bears no liability with respect to, the NASDAQ 100 Index or its use of any data included therein. Russell 1000 Index is a widely recognized index representing the 1000 largest U.S. companies based on market capitalization. The Russell 1000 Growth Index consists of those Russell 1000 securities with greater than average growth orientation and higher prince-to-book ratios. The Russell 1000 Value Index consists of those Russell 1000 securities with greater than average value orientation and lower price to book ratios. The Russell 1000 Index consists of the Russell 1000 Value and Russell 1000 Growth indices. Frank Russell Company is the source and owner of the Russell Index data contained or reflected in this material and all trademarks and copyrights related thereto. This is a presentation of MassMutual. The presentation may contain confidential information and unauthorized use, disclosure, copying, dissemination or redistribution is strictly prohibited. Frank Russell Company is not responsible for the formatting or configuration of this material or for any inaccuracy in MassMutual s presentation thereof.

9 8 of 113 Russell 2000 Index is a widely recognized index representing common stocks of smaller capitalized U.S. companies. The Russell 2000 Growth Index consists of those Russell 2000 securities with greater than average growth orientation and higher price-to-book ratios. The Russell 2000 Value Index consists of those Russell 2000 securities with greater than average value orientation and lower price-to-book ratios. The Russell 2000 Index consists of the Russell 2000 Value and Russell 2000 Growth indices. Russell 2500 TM Index is a widely recognized, unmanaged index representative of common stocks of small to mid-capitalization U.S. companies. The Russell 2500 Growth Index includes those Russell 2500 companies with higher price-to-book ratios and higher forecasted growth values. The Russell 2500 Value Index includes those Russell 2500 companies with lower price-to-book ratios and lower forecasted growth values. Russell 3000 Index is a widely recognized index representing the 3000 largest U.S. companies based on market capitalization. Russell Midcap Index is a widely recognized index representing common stocks of mid-capitalization U.S. companies. The Russell Midcap Growth Index consists of those Russell Midcap securities with greater than average growth orientation and higher price-to-book ratios. The Russell Midcap Value Index consists of those Russell Midcap securities with greater than average value orientation and lower price-to-book ratios. The Russell Midcap Index consists of the Russell Midcap Growth and Russell Midcap Value indices. S&P 500 Index is a widely recognized, unmanaged index representative of common stocks of larger capitalized U.S. companies. S&P Developed Property Index is an unmanaged adjusted index which defines and measures the investable universe of publicly traded property companies domiciled in developed countries that derive more than half of their revenue from property-related activities, such as property ownership, management, development, rental and investment. S&P Mid-Cap 400 Index started in 1991 and tracks a diverse basket of medium-sized U.S. firms. A mid-cap stock is broadly defined as a company with a market capitalization ranging from about $2 billion to $10 billion. This index consists of 400 equities. The stocks are chosen based on market capitalization, liquidity and industry representation. The index contains firms that are situated in size between the S&P 500 Index and the S&P SmallCap 600 Index. S&P North American Technology Sector Index is a capitalization-weighted index considered representative of the technology industry. S&P Smallcap 600 Index invests in small-cap equities, which are generally defined as a stock with a market capitalization between $300 million and $2 billion. The S&P SmallCap 600 Index consists of 600 small-cap stocks. Frank Russell Company is the source and owner of the Russell Index data contained or reflected in this material and all trademarks and copyrights related thereto. This is a presentation of MassMutual. The presentation may contain confidential information and unauthorized use, disclosure, copying, dissemination or redistribution is strictly prohibited. Frank Russell Company is not responsible for the formatting or configuration of this material or for any inaccuracy in MassMutual s presentation thereof. Morningstar Peer Group Definitions While the investment objective stated in a fund s prospectus may or may not reflect how the fund actually invests, the Morningstar category is assigned based on a funds portfolio statistics and the underlying securities in each portfolio. Each Morningstar category includes similar investment choices from the universe of variable annuities sold in the United States. The performance results of the investment choices include the deduction of all product level charges associated with the various variable annuity contracts, total fund operating expenses and 12b-1 fees, if applicable. Actual performance results shown are the average of all invest choices in that Morningstar category.

10 9 of 113 Commodities broad basket portfolios can invest in a diversified basket of commodity goods including but not limited to grains, minerals, metals, livestock, cotton, oils, sugar, coffee and cocoa. Investment can be made directly in physical assets or commodity linked derivative instruments, such as commodity swap agreements. Diversified emerging-markets portfolios tend to divide their assets among 20 or more nations, although they tend to focus on the emerging markets of Asia and Latin America rather than on those of the Middle East, Africa, or Europe. These portfolios invest at least 70% of total assets in equities and invest at least 50% of stock assets in emerging markets. Foreign large-blend portfolios target exposure to wellestablished, sizeable firms that represent broad exposure to foreign markets. These portfolios may closely follow the MSCI EAFE index or may actively seek firms with a combination of growth and valuation characteristics. Style scores are in the middle of the range for large-cap funds. Foreign large-growth portfolios focus on high-priced growth stocks, mainly outside of the United States. Most of these portfolios divide their assets among a dozen or more developed markets, including Japan, Britain, France, and Germany. These portfolios primarily invest in stocks that have market caps in the top 70% of each economically integrated market (such as Europe or Asia ex-japan). Growth is defined based on fast growth (high growth rates for earnings, sales, book value, and cash flow) and high valuations (high price ratios and low dividend yields). These portfolios typically will have less than 20% of assets invested in U.S. stocks. Foreign large-value portfolios invest mainly in big international stocks that are less expensive or growing more slowly than other large-cap stocks. Most of these portfolios divide their assets among a dozen or more developed markets, including Japan, Britain, France, and Germany. These portfolios primarily invest in stocks that have market caps in the top 70% of each economically integrated market (such as Europe or Asia ex-japan). Value is defined based on low valuations (low price ratios and high dividend yields) and slow growth (low growth rates for earnings, sales, book value, and cash flow). These portfolios typically will have less than 20% of assets invested in U.S. stocks. Global real estate portfolios invest primarily in non-us real estate securities, but may also invest in U.S. real estate securities. Securities that these portfolios purchase include: debt & equity securities, convertible securities, and securities issued by Real Estate Investment Trusts (REITs) and REIT like entities. Portfolios in this category also invest in real-estate operating companies. Health portfolios focus on the medical and health-care industries. Most invest in a range of companies, buying everything from pharmaceutical and medical-device makers to HMOs, hospitals, and nursing homes. A few portfolios concentrate on just one industry segment, such as service providers or biotechnology firms. High-yield bond portfolios concentrate on lower-quality bonds, which are riskier than those of higher-quality companies. These portfolios generally offer higher yields than other types of portfolios, but they are also more vulnerable to economic and credit risk. These portfolios primarily invest in U.S. high-income debt securities where at least 65% or more of bond assets are not rated or are rated by a major agency such as Standard & Poor s or Moody s at the level of BB (considered speculative for taxable bonds) and below. Inflation-protected bond portfolios invest primarily in debt securities that adjust their principal values in line with the rate of inflation. These bonds can be issued by any organization, but the U.S. Treasury is currently the largest issuer for these types of securities. Intermediate-term bond portfolios invest primarily in corporate and other investment-grade U.S. fixed-income issues and have durations of 3.5 to six years (or, if duration is unavailable, average effective maturities of four to 10 years). These portfolios are less sensitive to interest rates, and therefore less volatile, than portfolios that have longer durations. Large-blend portfolios are fairly representative of the overall U.S. stock market in size, growth rates, and price. Stocks in the top 70% of the capitalization of the U.S. equity market are defined as large-cap. The blend style is assigned to portfolios where neither growth nor value characteristics predominate. These portfolios tend to invest across the spectrum of U.S. industries, and owing to their broad exposure, the portfolios returns are often similar to those of the S&P 500 Index.

11 10 of 113 Large-growth portfolios invest in big U.S. companies that are projected to grow faster than other large-cap stocks. Stocks in the top 70% of the capitalization of the U.S. equity market are defined as large-cap. Growth is defined based on fast growth (high growth rates for earnings, sales, book value, and cash flow) and high valuations (high price ratios and low dividend yields). Most of these portfolios focus on companies in rapidly expanding industries. Large-value portfolios invest primarily in big U.S. companies that are less expensive or growing more slowly than other large-cap stocks. Stocks in the top 70% of the capitalization of the U.S. equity market are defined as large-cap. Value is defined based on low valuations (low price ratios and high dividend yields) and slow growth (low growth rates for earnings, sales, book value, and cash flow). Long-short equity portfolios hold sizable stakes in both long and short positions in equities and related derivatives. Some funds that fall into this category will shift their exposure to long and short positions depending on their macro outlook or the opportunities they uncover through bottom-up research. Some funds may simply hedge long stock positions through exchange-traded funds or derivatives. At least 75% of the assets are in equity securities or derivatives. Mid-cap growth portfolios usually invest in stocks of all sizes, thus leading to a mid-cap profile, but some specifically focus on midsize companies. Mid-cap growth portfolios target U.S. firms that are projected to grow faster than other mid-cap stocks, therefore commanding relatively higher prices. The U.S. mid-cap range for market capitalization typically falls between $1 billion-$8 billion and represents 20% of the total capitalization of the U.S. equity market. Growth is defined based on fast growth (high growth rates for earnings, sales, book value, and cash flow) and high valuations (high price ratios and low dividend yields). Mid-cap value portfolios focus on medium-size companies. Other portfolios land here because they own a mix of small-, mid-, and large-cap stocks. All look for U.S. stocks that are less expensive or growing more slowly than the market. The U.S. mid-cap range for market capitalization typically falls between $1 billion-$8 billion and represents 20% of the total capitalization of the U.S. equity market. Value is defined based on low valuations (low price ratios and high dividend yields) and slow growth (low growth rates for earnings, sales, book value, and cash flow). Moderate-allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. These portfolios tend to hold larger positions in stocks than conservative-allocation portfolios. These portfolios typically have 50% to 70% of assets in equities and the remainder in fixed income and cash. Money market taxable portfolios invest in highly liquid, ultra-short securities. The goal is to provide a level of current income that is consistent with the preservation of capital. Multialternative portfolios invest in several different alternative investment tactics. Funds in this category have a majority of their assets exposed to alternative strategies. Funds in this category include both funds with static allocations to alternative strategies and funds tactically allocating among alternative strategies and asset classes. Average Gross short exposures is greater than 20%. Multi-sector bond portfolios seek income by diversifying their assets among several fixed-income sectors, usually U.S. government obligations, U.S. corporate bonds, foreign bonds, and high-yield U.S. debt securities. These portfolios typically hold 35% to 65% of bond assets in securities that are not rated or are rated by a major agency such as Standard & Poor s or Moody s at the level of BB (considered speculative for taxable bonds) and below. Short-term bond portfolios invest primarily in corporate and other investment-grade U.S. fixed-income issues and have durations of one to 3.5 years (or, if duration is unavailable, average effective maturities of one to four years). These portfolios are attractive to fairly conservative investors, because they are less sensitive to interest rates than portfolios with longer durations.

12 11 of 113 Small-blend portfolios favor U.S. firms at the smaller end of the market-capitalization range. Some aim to own an array of value and growth stocks while others employ a discipline that leads to holdings with valuations and growth rates close to the small-cap averages. Stocks in the bottom 10% of the capitalization of the U.S. equity market are defined as small-cap. The blend style is assigned to portfolios where neither growth nor value characteristics predominate. Small-growth portfolios focus on faster-growing companies whose shares are at the lower end of the market-capitalization range. These portfolios tend to favor companies in up-and-coming industries or young firms in their early growth stages. Because these businesses are fast-growing and often richly valued, their stocks tend to be volatile. Stocks in the bottom 10% of the capitalization of the U.S. equity market are defined as small-cap. Growth is defined based on fast growth (high growth rates for earnings, sales, book value, and cash flow) and high valuations (high price ratios and low dividend yields). Small-value portfolios invest in small U.S. companies with valuations and growth rates below other small-cap peers. Stocks in the bottom 10% of the capitalization of the U.S. equity market are defined as small-cap. Value is defined based on low valuations (low price ratios and high dividend yields) and slow growth (low growth rates for earnings, sales, book value, and cash flow). Technology portfolios buy high-tech businesses in the U.S. or outside of the U.S. Most concentrate on computer, semiconductor, software, networking, and Internet stocks. A few also buy medical-device and biotechnology stocks and some concentrate on a single technology industry. World-allocation portfolios seek to provide both capital appreciation and income by investing in three major areas: stocks, bonds, and cash. While these portfolios do explore the whole world, most of them focus on the U.S., Canada, Japan, and the larger markets in Europe. It is rare for such portfolios to invest more than 10% of their assets in emerging markets. These portfolios typically have at least 10% of assets in bonds, less than 70% of assets in stocks, and at least 40% of assets in non-u.s. stocks or bonds. World-stock portfolios have few geographical limitations. It is common for these portfolios to invest the majority of their assets in the U.S., Europe, and Japan, with the remainder divided among the globe s smaller markets. These portfolios typically have 20%-60% of assets in U.S. stocks.

13 Index of Investment Funds Fund Name Page # MML Aggressive Allocation Fund 13 MML American Funds Core Allocation Fund 15 MML Balanced Allocation Fund 17 MML Conservative Allocation Fund 19 MML Growth Allocation Fund 21 MML Moderate Allocation Fund 23 MML High Yield Fund 25 MML Inflation-Protected and Income Fund 27 MML Managed Bond Fund 29 MML Money Market Fund 31 MML Short-Duration Bond Fund 33 MML Total Return Bond Fund 35 Oppenheimer Global Strategic Income Fund/VA 37 MML Blend Fund 39 Fidelity VIP Contrafund Portfolio 41 Invesco V.I. Diversified Dividend Fund 43 Invesco V.I. Global Health Care Fund 45 Invesco V.I. Technology Fund 47 Ivy Funds VIP Asset Strategy 49 MML American Funds Growth Fund 51 MML Blue Chip Growth Fund 53 MML Equity Fund 55 MML Equity Income Fund 57 MML Equity Index Fund 59 MML Focused Equity Fund 61 MML Fundamental Growth Fund 63 MML Fundamental Value Fund 65 MML Growth & Income Fund 67 MML Income & Growth Fund 69 MML Large Cap Growth Fund 71 MML Managed Volatility Fund 73 MML Mid Cap Growth Fund 75 MML Mid Cap Value Fund 77 MML Small Cap Equity Fund 79 MML Small Cap Growth Equity Fund 81 MML Small Company Value Fund 83 MML Small/Mid Cap Value Fund 85 Oppenheimer Capital Appreciation Fund/VA 87 Oppenheimer Discovery Mid Cap Growth Fund/VA 89 Oppenheimer Global Multi-Alternatives Fund/VA 91 Oppenheimer Main Street Fund /VA 93 PIMCO CommodityRealReturn Strategy Portfolio 95 VY Clarion Global Real Estate Portfolio 97 MML American Funds International Fund 99 MML Foreign Fund 101 MML Global Fund 103 MML International Equity Fund 105 MML Strategic Emerging Markets Fund 107 Oppenheimer Global Fund/VA 109 Oppenheimer International Growth Fund/VA of 113

14 13 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Stephen Brunette Fund Objective Seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund is a fund of funds and seeks to achieve its investment objective by investing in a combination of domestic and international mutual funds using an asset allocation strategy. The fund has an aggressive asset allocation strategy with approximately 90% of its assets invested in equity funds and 10% invested in fixed income funds, including money market funds. 10% Barclays Capital US Aggregate (Barcap US Agg ), 67.5% Russell 3000 (R3000 ), 22.5% MSCI AC World MSCI ACWIX x US MML Aggressive Allocation Fund $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 Growth of $10,000 MML Aggressive Allocation Fund 10% Barcap US Agg, 67.5% R3000, 22.5% MSCI ACWI x US 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Aggressive Allocation Fund Barcap US Agg, R3000, MSCI ACWI x US Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 4.27 Morningstar Category (Peer Group) NA MML Aggressive Allocation Underlying Fund 8/31/2007 Date Added to Separate Account 1/22/2008 Gross Fund Expense 1.27 Net Fund Expense 1.27 Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Aggressive Allocation

15 Underlying Fund Allocation Equity 89.76% Oppenheimer Diversified Alternatives Fund 9.64% MML Blue Chip Growth Fund 7.83% MML Global Fund 6.37% MML Mid Cap Growth Fund 6.00% MML Mid Cap Value Fund 5.73% MML Fundamental Value Fund 5.29% MML Foreign Fund 4.95% MML Fundamental Growth Fund 4.94% MML International Equity Fund 4.82% MML Large Cap Growth Fund 4.81% MML Equity Income Fund 4.79% MML Focused Equity Fund 4.42% MML Income & Growth Fund 3.78% MML Strategic Emerging Markets Fund 3.30% Oppenheimer Global Securities Fund 2.79% MML Small Company Value Fund 2.72% Oppenheimer Small- & Mid-Cap Growth Fund 2.23% Oppenheimer International Growth Fund 2.06% MML Small Mid Cap Value Fund 1.82% MML Small Cap Growth Equity Fund 1.48% Fixed Income 10.24% MML Inflation-Protected and Income Fund 2.65% MML Short-Duration Bond Fund 2.19% MML Managed Bond Fund 2.17% MML Dynamic Bond Fund 1.89% MML PIMCO Total Return Fund 1.35% Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund MML Aggressive Allocation Fund 9.22% 9.25% 8.68% 8.71% % 0.00% % % 36-months 36-months Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 5.10% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 14.77% 0.00% AAA 67.69% 72.29% AA 5.75% 3.74% A 11.76% 11.48% BBB 17.16% 12.49% BB 3.38% 0.00% B 0.46% 0.00% CCC and Below 0.80% 0.00% Cash and Equivalents % 0.00% Not Rated 0.07% 0.00% Equity Fundamental Characteristics Fund Market Capitalization $61,574 $84,475 Price to Earnings Price to Book EPS Dividend Yield 1.47% 2.44% Hist 3Yr EPS Growth # of Securities 3,559 4, % 9.245% 9.24% 9.235% 9.23% 9.225% Risk Reward Trailing 36-Months 8.68% 8.685% 8.69% 8.695% 8.7% 8.705% 8.71% 8.715% Annualized Standard Deviation 14 of 113 MML Aggressive Allocation Fund 10% Barcap US Agg, 67.5% R3000, 22.5% MSCI ACWI x US Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Funds offered in a fund-of-funds structure may have higher expenses than a direct investment in the underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

16 15 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Stephen Brunette Fund Objective Seeks as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and preservation of capital. Strategy The fund is a fund of funds and seeks to achieve its investment objective by investing in a combination of domestic and international mutual funds using a flexible asset allocation approach. The fund has a moderate asset allocation strategy with approximately 65% of its assets invested in equity funds and 35% invested in fixed income funds. 35% Barcap US Agg, 55% Standard & Poor's 500 (S&P 500 ), 10% MSCI AC World (MSCI ACWI x US) Morningstar Category (Peer Group) NA Underlying Fund 5/23/2006 MML American Funds Core Allocation Fund $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 Growth of $10,000 MML American Funds Core Allocation Fund 35% Barcap US Agg, 55% S&P 500, 10% MSCI ACWI x US 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML American Funds Core Allocation Fund Barcap US Agg, S&P 500, MSCI ACWI x US /15 5/15 -- Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML American Funds Core Allocation Date Added to Separate Account 9/8/2008 Gross Fund Expense 1.10 Net Fund Expense 1.10 Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML American Funds Core Allocation

17 MML American Funds Core Allocation Fund 16 of 113 Modern Portfolio Theory Risk Statistics Fund Risk Reward Trailing 36-Months Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations 7.35% 7.79% 6.30% 6.25% % 0.00% % % 36-months 36-months 7.9% 7.8% 7.7% 7.6% 7.5% 7.4% 6.23% 6.24% 6.25% 6.26% 6.27% 6.28% 6.29% 6.3% Annualized Standard Deviation MML American Funds Core Allocation Fund 35% Barcap US Agg, 55% S&P 500, 10% MSCI ACWI x US Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Funds offered in a fund-of-funds structure may have higher expenses than a direct investment in the underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests. MML American Funds Core Allocation Fund invests in 4 underlying funds: American Funds Insurance Series Bond (35%), American Funds Insurance Series Blue Chip Income & Growth (25%), American Funds Insurance Series Growth-Income (30%) and American Funds Insurance Series International (10%).

18 17 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Stephen Brunette Fund Objective Seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund is a fund of funds and seeks to achieve its investment objective by investing in a combination of domestic and international mutual funds using an asset allocation strategy. The fund has a balanced asset allocation strategy with approximately half of its assets invested in equity funds and half of its assets invested in fixed income and money market funds. 50% Barclays Capital US Aggregate (Barcap US Agg ), 37.5% Russell 3000 (R3000 ), 12.5% (MSCI AC World) MSCI ACWI x US Morningstar Category (Peer Group) NA MML Balanced Allocation Fund $16,000 $15,000 $14,000 $13,000 $12,000 $11,000 $10,000 $9,000 $8,000 $7,000 MML Balanced Allocation Fund 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 Growth of $10,000 50% Barcap US Agg, 37.5% R3000, 12.5% MSCI ACWI x US 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Balanced Allocation Fund Barcap US Agg, R3000, MSCI ACWI x US Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Balanced Allocation Underlying Fund 8/31/2007 Date Added to Separate Account 1/22/2008 Gross Fund Expense 1.06 Net Fund Expense 1.06 Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Balanced Allocation

19 Underlying Fund Allocation Equity 50.89% Oppenheimer Diversified Alternatives Fund 7.31% MML Blue Chip Growth Fund 4.42% MML Fundamental Value Fund 3.72% MML Equity Income Fund 3.33% MML Income & Growth Fund 2.99% MML Mid Cap Value Fund 2.91% MML Fundamental Growth Fund 2.87% MML Large Cap Growth Fund 2.79% MML Global Fund 2.73% MML Mid Cap Growth Fund 2.67% MML Foreign Fund 2.62% MML International Equity Fund 2.55% Oppenheimer International Growth Fund 2.27% Oppenheimer Global Securities Fund 2.22% MML Focused Equity Fund 1.77% MML Small Company Value Fund 1.26% Oppenheimer Small- & Mid-Cap Growth Fund 0.96% MML Small Mid Cap Value Fund 0.77% MML Small Cap Growth Equity Fund 0.73% Fixed Income 49.11% MML Managed Bond Fund 18.63% MML Dynamic Bond Fund 10.86% MML PIMCO Total Return Fund 8.79% MML Short-Duration Bond Fund 3.70% MML Inflation-Protected and Income Fund 3.57% MML High Yield 3.56% Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund MML Balanced Allocation Fund 5.90% 5.99% 5.34% 5.06% % 0.00% % % 36-months 36-months Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 4.82% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 19.17% 0.00% AAA 37.11% 72.29% AA 5.02% 3.74% A 13.52% 11.48% BBB 23.08% 12.49% BB 5.32% 0.00% B 0.61% 0.00% CCC and Below 1.04% 0.00% Cash and Equivalents -5.77% 0.00% Not Rated 0.05% 0.00% Equity Fundamental Characteristics Fund Market Capitalization $67,511 $52,219 Price to Earnings Price to Book EPS Dividend Yield 1.55% 3.20% Hist 3Yr EPS Growth # of Securities 3,559 5, % 6% 5.98% 5.96% 5.94% 5.92% 5.9% Risk Reward Trailing 36-Months 5% 5.05% 5.1% 5.15% 5.2% 5.25% 5.3% 5.35% Annualized Standard Deviation 18 of 113 MML Balanced Allocation Fund 50% Barcap US Agg, 37.5% R3000, 12.5% MSCI ACWI x US Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Funds offered in a fund-of-funds structure may have higher expenses than a direct investment in the underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

20 19 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Stephen Brunette Fund Objective Seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund is a fund of funds and seeks to achieve its investment objective by investing in a combination of domestic and international mutual funds using an asset allocation strategy. The fund has a conservative asset allocation strategy with approximately 40% of its assets invested in equity funds and 60% invested in fixed income funds, including money market funds. 60% Barclays Capital US Aggregate (Barcap US Agg ), 30% Russell 3000 (R3000 ), 10% MSCI AC World (MSCI ACWIXUS) Morningstar Category (Peer Group) NA MML Conservative Allocation Fund $16,000 $15,000 $14,000 $13,000 $12,000 $11,000 $10,000 $9,000 $8,000 Growth of $10,000 MML Conservative Allocation Fund 60% Barcap US Agg, 30% R3000, 10% MSCI ACWI X US 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Conservative Allocation Fund Barcap US Agg, R3000, MSCI ACWI X US Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Conservative Allocation Underlying Fund 5/7/2006 Date Added to Separate Account 1/22/2008 Gross Fund Expense 1.04 Net Fund Expense 1.04 Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Conservative Allocation

21 Underlying Fund Allocation Fixed Income 58.36% MML Managed Bond Fund 23.51% MML Dynamic Bond Fund 12.77% MML PIMCO Total Return Fund 10.30% MML Inflation-Protected and Income Fund 4.06% MML High Yield 3.95% MML Short-Duration Bond Fund 3.77% Equity 41.64% Oppenheimer Diversified Alternatives Fund 6.57% MML Blue Chip Growth Fund 3.77% MML Fundamental Value Fund 3.42% MML Equity Income Fund 3.13% MML Fundamental Growth Fund 2.51% MML Large Cap Growth Fund 2.44% MML Mid Cap Value Fund 2.31% MML Global Fund 2.30% MML Income & Growth Fund 2.30% MML Foreign Fund 1.94% MML International Equity Fund 1.88% MML Mid Cap Growth Fund 1.85% Oppenheimer Global Securities Fund 1.74% Oppenheimer International Growth Fund 1.46% MML Focused Equity Fund 1.25% MML Small Company Value Fund 1.10% Oppenheimer Small- & Mid-Cap Growth Fund 0.66% MML Small Cap Growth Equity Fund 0.51% MML Small Mid Cap Value Fund 0.49% Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund MML Conservative Allocation Fund 5.00% 5.16% 4.51% 4.26% % 0.00% % % 36-months 36-months Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 4.85% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 18.36% 0.00% AAA 36.86% 72.29% AA 5.10% 3.74% A 13.61% 11.48% BBB 23.56% 12.49% BB 5.44% 0.00% B 0.59% 0.00% CCC and Below 0.99% 0.00% Cash and Equivalents -5.34% 0.00% Not Rated 0.05% 0.00% Equity Fundamental Characteristics Fund Market Capitalization $71,901 $84,475 Price to Earnings Price to Book EPS Dividend Yield 1.61% 2.44% Hist 3Yr EPS Growth # of Securities 3,559 4, % 5.15% 5.1% 5.05% 5% Risk Reward Trailing 36-Months -5% -4% -3% -2% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation 20 of 113 MML Conservative Allocation Fund 60% Barcap US Agg, 30% R3000, 10% MSCI ACWI X US Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Funds offered in a fund-of-funds structure may have higher expenses than a direct investment in the underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

22 21 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Stephen Brunette Fund Objective Seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund is a fund of funds and seeks to achieve its investment objective by investing in a combination of domestic and international mutual funds using an asset allocation strategy. The fund has an asset allocation strategy that emphasizes the potential for growth with approximately 75% of its assets invested in equity funds and 25% invested in fixed income funds, including money market funds. 25% Barclays Capital US Aggregate (Barcap US Agg ), 56.25% Russell 3000 (R3000 ), 18.75% MSCI AC World (MSCI ACWIX x US) MML Growth Allocation Fund $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 MML Growth Allocation Fund 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 Growth of $10,000 25% Barcap US Agg, 56.25% R3000, 18.75% MSCI ACWI X US 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Growth Allocation Fund Barcap US Agg, R3000, MSCI ACWI X US Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 4.41 Morningstar Category (Peer Group) NA MML Growth Allocation Underlying Fund 8/31/2007 Date Added to Separate Account 1/22/2008 Gross Fund Expense 1.16 Net Fund Expense 1.16 Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Growth Allocation

23 Underlying Fund Allocation Equity 74.83% Oppenheimer Diversified Alternatives Fund 8.83% MML Blue Chip Growth Fund 6.75% MML Global Fund 5.50% MML Mid Cap Growth Fund 4.65% MML Fundamental Value Fund 4.56% MML Mid Cap Value Fund 4.46% MML Fundamental Growth Fund 4.24% MML Large Cap Growth Fund 4.13% MML Equity Income Fund 4.10% MML Foreign Fund 3.92% MML International Equity Fund 3.81% MML Focused Equity Fund 3.71% MML Income & Growth Fund 3.21% MML Strategic Emerging Markets Fund 2.46% Oppenheimer Global Securities Fund 2.41% MML Small Company Value Fund 2.08% Oppenheimer International Growth Fund 1.81% Oppenheimer Small- & Mid-Cap Growth Fund 1.67% MML Small Mid Cap Value Fund 1.40% MML Small Cap Growth Equity Fund 1.14% Fixed Income 25.17% MML Managed Bond Fund 7.69% MML Dynamic Bond Fund 5.40% MML PIMCO Total Return Fund 4.50% MML Inflation-Protected and Income Fund 3.94% MML Short-Duration Bond Fund 2.60% MML High Yield 1.04% Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund MML Growth Allocation Fund 8.06% 8.05% 7.39% 7.29% % 0.00% % % 36-months 36-months Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 4.87% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 18.86% 0.00% AAA 48.81% 72.29% AA 5.45% 3.74% A 12.73% 11.48% BBB 20.10% 12.49% BB 4.41% 0.00% B 0.58% 0.00% CCC and Below 1.02% 0.00% Cash and Equivalents % 0.00% Not Rated 0.06% 0.00% Equity Fundamental Characteristics Fund Market Capitalization $64,045 $84,475 Price to Earnings Price to Book EPS Dividend Yield 1.47% 2.44% Hist 3Yr EPS Growth # of Securities 3,560 4, % 8.055% 8.05% 8.045% Risk Reward Trailing 36-Months 7.26% 7.28% 7.3% 7.32% 7.34% 7.36% 7.38% Annualized Standard Deviation 22 of 113 MML Growth Allocation Fund 25% Barcap US Agg, 56.25% R3000, 18.75% MSCI ACWI X US Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Funds offered in a fund-of-funds structure may have higher expenses than a direct investment in the underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

24 23 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Stephen Brunette Fund Objective Seeks to achieve as high a total rate of return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund is a fund of funds and seeks to achieve its investment objective by investing in a combination of domestic and international mutual funds using an asset allocation strategy. The fund has a moderate asset allocation strategy with approximately 60% of its assets invested in equity funds and 40% invested in fixed income funds, including money market funds. 40% Barclays Capital US Aggregate (Barcap US Agg ), 45% Russell 3000 (R3000 ), 15% MSCI AC World (MSCI ACWIXUS) Morningstar Category (Peer Group) NA MML Moderate Allocation Fund $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 Growth of $10,000 MML Moderate Allocation Fund 40% Barcap US Agg, 45% R3000, 15% MSCI ACWI x US 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Moderate Allocation Fund Barcap US Agg, R3000, MSCI ACWI x US Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Moderate Allocation Underlying Fund 8/31/2007 Date Added to Separate Account 1/22/2008 Gross Fund Expense 1.10 Net Fund Expense 1.10 Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Moderate Allocation

25 Underlying Fund Allocation Equity 60.27% Oppenheimer Diversified Alternatives Fund 7.68% MML Blue Chip Growth Fund 5.22% MML Fundamental Value Fund 4.06% MML Global Fund 4.00% MML Mid Cap Value Fund 3.68% MML Equity Income Fund 3.66% MML Mid Cap Growth Fund 3.36% MML Fundamental Growth Fund 3.30% MML Income & Growth Fund 3.25% MML Large Cap Growth Fund 3.21% MML Foreign Fund 3.14% MML International Equity Fund 3.06% MML Focused Equity Fund 2.67% Oppenheimer Global Securities Fund 2.16% MML Strategic Emerging Markets Fund 1.69% MML Small Company Value Fund 1.68% Oppenheimer International Growth Fund 1.51% Oppenheimer Small- & Mid-Cap Growth Fund 1.20% MML Small Cap Growth Equity Fund 0.88% MML Small Mid Cap Value Fund 0.85% Fixed Income 39.73% MML Managed Bond Fund 14.99% MML Dynamic Bond Fund 8.58% MML PIMCO Total Return Fund 7.07% MML Short-Duration Bond Fund 3.28% MML Inflation-Protected and Income Fund 3.08% MML High Yield 2.74% Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund MML Moderate Allocation Fund 6.74% 6.82% 6.16% 5.93% % 0.00% % % 36-months 36-months Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 4.83% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 18.99% 0.00% AAA 37.87% 72.29% AA 5.04% 3.74% A 13.49% 11.48% BBB 22.96% 12.49% BB 5.28% 0.00% B 0.60% 0.00% CCC and Below 1.03% 0.00% Cash and Equivalents -6.18% 0.00% Not Rated 0.05% 0.00% Equity Fundamental Characteristics Fund Market Capitalization $65,361 $84,475 Price to Earnings Price to Book EPS Dividend Yield 1.53% 2.44% Hist 3Yr EPS Growth # of Securities 3,560 4, % 6.82% 6.8% 6.78% 6.76% 6.74% Risk Reward Trailing 36-Months 5.85% 5.9% 5.95% 6% 6.05% 6.1% 6.15% Annualized Standard Deviation 24 of 113 MML Moderate Allocation Fund 40% Barcap US Agg, 45% R3000, 15% MSCI ACWI x US Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Funds offered in a fund-of-funds structure may have higher expenses than a direct investment in the underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

26 25 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Babson Capital Management LLC $16,000 $15,000 $14,000 MML High Yield Fund Growth of $10,000 MML High Yield Fund Barclays US Aggregate Credit - Corporate - High Yield (1983) Portfolio Manager Sean Feeley, Scott Roth Fund Objective Seeks to achieve a high level of total return, with an emphasis on current income, by investing primarily in high yield debt and related securities. Strategy The fund's subadviser, Babson Capital, employs a bottom-up, fundamental approach to its credit analysis, which focuses first on a specific issuers financial strength, before considering trends or macro economic factors. Babson Capital prefers companies with a strong business position, ability to generate free cash flow to repay debt, favorable capital structure, high level of fixed assets, conservative accounting, and respected management or equity sponsor(s). The fund expects to have a dollar-weighted average portfolio maturity ranging from 4 to 10 years. Barclays US Aggregate Credit - Corporate - High Yield (1983) Morningstar Category (Peer Group) High Yield Bond, Variable Annuity Funds, USA Region TR Underlying Fund 5/3/2010 Date Added to Separate Account 5/3/2010 Gross Fund Expense 1.08 Net Fund Expense 0.98 $13,000 $12,000 $11,000 $10,000 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML High Yield Fund Barclays US Aggregate Credit - Corporate - High Yield (1983) Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML High Yield High Yield Bond, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR 7.35 MML High Yield

27 Top 10 Holdings Multi Packaging Solutions, Inc. 8.5% 15-aug % Ope Kag Finance Sub, Inc % 31-jul % J.b. Poindexter & Co., Inc. 9.0% 01-apr % Audatex North America, Inc % 01-nov % Allied Specialty Vehicles, Inc. 8.5% 01-nov % Gci, Inc % 15-apr % Brunswick Corporation 7.125% 01-aug % Xerium Technologies, Inc % 15-jun % CAELUS ENERGY ALASKA O3 LLC TERM LOAN 1.58% Pinnacle Operating Corp. 9.0% 15-nov % Total 20.50% Sector Weights Fund CONSUMER CYCLICAL 19.70% 14.26% COMMUNICATIONS 14.05% 19.07% ENERGY 12.79% 12.64% INDUSTRIAL 12.65% 8.89% CAPITAL GOODS 11.75% 8.33% CONSMR NON-CYCL 10.92% 14.12% TECHNOLOGY 6.42% 6.43% TRANSPORTATION 6.22% 1.84% FINANCIAL INSTITUTIONS 4.61% 11.03% ELECTRIC 0.89% 3.38% UTILITY 0.00% 0.00% MML High Yield Fund Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 7.24% 6.77% Maturity (life) Duration Credit Quality Breakdown Government & Agency 0.00% 0.00% AAA 0.00% 0.00% AA 0.00% 0.00% A 0.00% 0.00% BBB 44.78% 40.33% BB 32.98% 44.32% B 4.20% 0.00% CCC and Below 13.75% 15.16% Cash and Equivalents 2.69% 0.00% Not Rated 1.59% 0.20% Modern Portfolio Theory Risk Statistics Fund 5.02% 3.51% Standard Deviation 4.66% 4.68% Beta Alpha 0.14% 0.00% Sharpe Ratio R-Squared 88.31% % # Observations 36-months 36-months 5% Risk Reward Trailing 36-Months 26 of % 4% 3.5% 3% -5% -4% -3% -2% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation MML High Yield Fund Barclays US Aggregate Credit - Corporate - High Yield (1983) Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12(b)-1 fees from inception which reduces the funds performance.

28 27 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Babson Capital Management LLC Portfolio Manager Ron Desautels, David Nagle, Doug Trevallion II Fund Objective Seeks to achieve as high a total rate of real return on an annual basis as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund's subadviser, Babson Capital, seeks to construct a portfolio of inflation-indexed and other income-producing securities and other financial instruments, including derivatives, designed to meet the real return objective of the fund. The fund generally intends to maintain a dollar-weighted average credit quality of A or better. Barclays US Treasury Inflation Protected Notes (TIPS) Morningstar Category (Peer Group) Inflation-Protected Bond, Variable Annuity Funds, USA Region TR Underlying Fund 8/30/2002 Date Added to Separate Account 4/30/2003 Gross Fund Expense 0.98 Net Fund Expense 0.98 MML Inflation-Protected and Income Fund $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 Growth of $10,000 MML Inflation-Protected and Income Fund Barclays US Treasury Inflation Protected Notes (TIPS) 2/10 11/09 2/09 5/09 8/09 11/08 2/08 5/08 8/08 11/07 2/07 5/07 8/07 11/06 2/06 5/06 8/06 11/05 2/05 5/05 8/05 11/04 2/04 5/04 8/04 11/03 2/03 5/03 8/03 11/02 8/02 5/15 2/15 5/14 8/14 11/14 2/14 5/13 8/13 11/13 2/13 5/12 8/12 11/12 2/12 5/11 8/11 11/11 2/11 11/10 5/10 8/10 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Inflation-Protected & Income Fund Barclays US Treasury Inflation Protected Notes (TIPS) Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Inflation-Protected & Income Inflation-Protected Bond, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Inflation-Protected & Income /15

29 Top 10 Holdings Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Government Of The United States Of America % Total 50.81% Sector Weights Fund TIPS CORPORATE INFL-PROT 97.20% % SECURITIES 0.00% 0.00% ABS 40.80% 0.00% CORPORATES 11.54% 0.00% MBS/CMBS 4.54% 0.00% CASH & EQUIV 26.85% 0.00% REVERSE REPURCHASES % 0.00% MML Inflation-Protected and Income Fund 28 of 113 Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 5.93% 5.98% Maturity (life) Duration Credit Quality Breakdown Government & Agency 0.00% 0.00% AAA % % AA 8.81% 0.00% A 8.90% 0.00% BBB 8.94% 0.00% BB 0.39% 0.00% B 0.00% 0.00% CCC and Below 0.00% 0.00% Cash and Equivalents % 0.00% Not Rated 0.08% 0.00% Modern Portfolio Theory Risk Statistics Fund -2.18% -1.83% Standard Deviation 5.14% 5.03% Beta Alpha -0.03% 0.00% Sharpe Ratio R-Squared 99.62% % # Observations 36-months 36-months 5% 4% 3% 2% 1% 0% -1% -2% -3% -4% -5% Risk Reward Trailing 36-Months 5% 5.02% 5.04% 5.06% 5.08% 5.1% 5.12% 5.14% Annualized Standard Deviation MML Inflation-Protected and Income Fund Barclays US Treasury Inflation Protected Notes (TIPS) Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

30 29 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Babson Capital Management LLC Portfolio Manager William Awad, David Nagle, Doug Trevallion, II, Charles Sanford Fund Objective Seeks to achieve as high a rate of total return on an annual basis as is considered consistent with the preservation of capital. Strategy The fund's subadviser, Babson Capital, selects the funds investments based on its analysis of yield opportunities and risks of various securities and market sectors. The manager intends for the fund's portfolio dollar-weighted average duration generally to match (within 10%) the average duration of the Barclay's Capital U.S. Aggregate Bond Index. Barclays US Aggregate Morningstar Category (Peer Group) Intermediate-Term Bond, Variable Annuity Funds, USA Region TR MML Managed Bond Fund $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Managed Bond Fund Barclays US Aggregate 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/09 6/09 3/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Managed Bond Fund Barclays US Aggregate Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 9/15 6/15 3/15 12/ Underlying Fund 12/16/1981 Date Added to Separate Account 9/30/1999 Gross Fund Expense 0.64 Net Fund Expense 0.64 MML Managed Bond Intermediate-Term Bond, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Managed Bond

31 Top 10 Holdings US 2YR NOTE (CBT) DEC15 XCBT % US 5YR NOTE (CBT) DEC15 XCBT % GNMA II TBA 30 YR 3 JUMBOS 3.38% US ULTRA BOND CBT DEC15 XCBT % FNMA TBA 30 YR 3 SINGLE FAMILY 2.77% MORTGAGE GNMA II TBA 30 YR 4.5 JUMBOS 2.30% FNMA TBA 30 YR 2.5 SINGLE FAMILY 1.37% MORTGAGE FHLMC TBA 30 YR 4 GOLD SINGLE 1.14% FAMILY GNMA II TBA 30 YR 3.5 JUMBOS 1.01% GNMA II TBA 30 YR 4 JUMBOS 1.01% Total 36.96% Sector Weights Fund ABS 8.15% 0.57% AGENCIES 0.00% 2.65% CMBS 5.70% 1.89% CONVERTIBLES 2.37% 0.00% CORPORATES 53.50% 30.08% MBS/CMO 28.06% 28.34% TREASURIES 1.72% 36.47% CASH & EQUIV 0.50% 0.00% MML Managed Bond Fund 30 of 113 Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 5.64% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 0.00% 0.00% AAA 37.72% 72.29% AA 5.97% 3.74% A 15.17% 11.48% BBB 32.88% 12.49% BB 7.66% 0.00% B 0.10% 0.00% CCC and Below 0.00% 0.00% Cash and Equivalents 0.50% 0.00% Not Rated 0.00% 0.00% Modern Portfolio Theory Risk Statistics Fund 1.51% 1.71% Standard Deviation 2.95% 2.86% Beta Alpha -0.02% 0.00% Sharpe Ratio R-Squared 95.94% % # Observations 36-months 36-months 5% 4% 3% 2% 1% 0% -1% -2% -3% -4% Risk Reward Trailing 36-Months -5% -5% -4% -3% -2% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation MML Managed Bond Fund Barclays US Aggregate Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

32 31 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Babson Capital Management LLC Portfolio Manager Scott Riecke, Scott Simler Fund Objective Seeks to achieve the preservation of capital, liquidity and high current income. Strategy The fund's subadviser, Babson Capital, invests in high quality debt instruments that have a remaining maturity not exceeding 397 days, including commercial paper and other corporate obligations, securities issued or guaranteed by the U.S. Government or its agencies or instrumentalities, and certificates of deposit and bankers acceptances. The fund may enter into repurchase transactions and forward commitments. Barclays US Treasury - Bills (1-3 M) Morningstar Category (Peer Group) Money Market-Taxable, Variable Annuity Funds, USA Region TR MML Money Market Fund $12,000 $11,500 $11,000 $10,500 $10,000 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Money Market Fund Barclays US Treasury - Bills (1-3 M) 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Money Market Fund Barclays US Treasury - Bills (1-3 M) Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR /15 Underlying Fund 12/16/1981 Date Added to Separate Account 4/30/2006 Gross Fund Expense 0.51 Net Fund Expense Day Yield -1.23% MML Money Market Money Market-Taxable, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Money Market An investment in the Fund is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to maintain a stable net asset value per share, it is possible to lose money by investing in these funds. The yield quotation more closely reflects the current earnings of the Fund than the total return quotation. It is an annualized rate based on results over the last seven days of the period.

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34 33 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Babson Capital Management LLC Portfolio Manager Ronald Desautels, David Nagle, Doug Trevallion, II, Charles Sanford Fund Objective Seeks to achieve a high total rate of return primarily from current income while minimizing fluctuations in capital. Strategy The fund's subadviser, Babson Capital, generally selects the Funds investments based on its analysis of opportunities and risks of various securities and market sectors. The fund seeks to maintain a dollar-weighted average duaration of less than three years. Barclays US 1-3 Year Government Morningstar Category (Peer Group) Short-Term Bond, Variable Annuity Funds, USA Region TR Underlying Fund 5/3/2010 Date Added to Separate Account 5/3/2010 Gross Fund Expense 0.80 Net Fund Expense /15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 MML Short-Duration Bond Fund $11,400 $11,200 $11,000 $10,800 $10,600 $10,400 $10,200 $10,000 Growth of $10,000 MML Short-Duration Bond Fund Barclays US 1-3 Year Government Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Short-Duration Bond Fund Barclays US 1-3 Year Government Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Short-Duration Bond Short-Term Bond, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Short-Duration Bond

35 Top 10 Holdings 2Y T-Note (CBT) Dec % 5Y T-Note (CBT) Dec % Government Of The United States Of America % Government Of The United States Of America 1.0% % Citigroup Inc. 5.5% 15-feb % Government Of The United States Of America 1.5% % FREDDIE MAC FHR 4336 MA 0.76% First Horizon National Corporation 5.375% 15-de % Hyundai Capital America, Inc. 3.75% 06-apr % Merrill Lynch & Co., Inc. 6.05% 16-may % Total 54.12% Sector Weights Fund ABS 15.31% 1.96% AGENCIES 0.00% 14.84% CMBS 6.58% 2.69% CONVERTIBLES 0.72% 0.00% CORPORATES 43.31% 22.09% MBS/CMO 10.06% 1.14% TREASURIES 22.00% 57.28% CASH & EQUIV 2.03% 0.00% MML Short-Duration Bond Fund 34 of 113 Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 2.92% 1.87% Maturity (life) Duration Credit Quality Breakdown Government & Agency 0.00% 0.00% AAA 42.52% 71.86% AA 7.28% 7.06% A 13.65% 12.40% BBB 26.40% 8.68% BB 8.07% 0.00% B 0.04% 0.00% CCC and Below 0.00% 0.00% Cash and Equivalents 2.03% 0.00% Not Rated 0.00% 0.00% Modern Portfolio Theory Risk Statistics Fund 1.29% 0.70% Standard Deviation 0.98% 0.53% Beta Alpha 0.02% 0.00% Sharpe Ratio R-Squared 67.32% % # Observations 36-months 36-months 5% 4% 3% 2% 1% 0% -1% -2% -3% -4% Risk Reward Trailing 36-Months -5% -5% -4% -3% -2% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation MML Short-Duration Bond Fund Barclays US 1-3 Year Government Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12(b)-1 fees from inception which reduces the funds performance.

36 35 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Metropolitan West Asset Management, LLC Portfolio Manager Tad Rivelle, Laird R. Landmann, Stephen M. Kane, Bryan T. Whalen MML Total Return Bond Fund $11,500 $11,000 $10,500 $10,000 Growth of $10,000 MML Total Return Bond Fund Barclays US Aggregate Fund Objective Seeks maximum total return consistent with preservation of capital and prudent investment management. Strategy The fund s subadviser, MetWest, employs a value-oriented fixed income management philosophy. The investment process is predicated on a long-term economic outlook, determined by the investment team. Investments are characterized by diversification among the sectors of the fixed income marketplace. The investment management team seeks to achieve the desired outperformance through the measured and disciplined application of five fixed income management strategies which include duration management, yield curve positioning, sector allocation, security selection, and opportunistic execution. Barclays US Aggregate Morningstar Category (Peer Group) Intermediate-Term Bond, Variable Annuity Funds, USA Region TR Underlying Fund 8/9/2010 Date Added to Separate Account 5/1/2012 Gross Fund Expense 0.95 Net Fund Expense /15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Total Return Bond Fund Barclays US Aggregate Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Total Return Bond Intermediate-Term Bond, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR 2.72 MML Total Return Bond

37 Top 10 Holdings Top 10 Holdings US TREASURY N/B 11/ % US TREASURY N/B 08/ % US TREASURY N/B 09/ % US TREASURY N/B 08/ % US 10YR NOTE (CBT)DEC15 XCBT % FNMA TBA 30 YR 3 SINGLE FAMILY 2.42% MORTGAGE GNMA II TBA 30 YR 3.5 JUMBOS 1.88% FNMA TBA 30 YR 4 SINGLE FAMILY 1.87% MORTGAGE US TREASURY N/B 09/ % US TREASURY N/B 08/ % Total 26.42% Sector Weights Fund ABS 8.61% 0.57% AGENCIES 0.78% 2.65% CMBS 7.43% 1.89% CONVERTIBLES 0.00% 0.00% CORPORATES 20.97% 30.08% MBS/CMO 34.33% 28.34% TREASURIES 26.48% 36.47% CASH & EQUIV 0.54% 0.00% OTHER 0.86% NA MML Total Return Bond Fund Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 2.61% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 67.55% 0.00% AAA -0.64% 72.29% AA 4.53% 3.74% A 11.92% 11.48% BBB 8.03% 12.49% BB 2.37% 0.00% B 1.91% 0.00% CCC and Below 3.65% 0.00% Cash and Equivalents 0.54% 0.00% Not Rated 0.13% 0.00% Modern Portfolio Theory Risk Statistics Fund 1.23% 1.71% Standard Deviation 2.97% 2.86% Beta Alpha -0.04% 0.00% Sharpe Ratio R-Squared 91.29% % # Observations 36-months 36-months 5% 4% 3% 2% 1% 0% -1% -2% -3% -4% Risk Reward Trailing 36-Months -5% -5% -4% -3% -2% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation MML Total Return Bond Fund 36 of 113 Barclays US Aggregate Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12b-1 fees from inception which reduces the fund?ã s performance. Please see the fund prospectus for more information about this fee.

38 37 of 113 Advisor OppenheimerFunds, Inc. Sub-Advisor NA Portfolio Manager Krishna Memani, Michael Mata, Hemant Baijal Fund Objective Seeks total return. Oppenheimer Global Strategic Income Fund/VA $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 Growth of $10,000 Oppenheimer Global Strategic Income Fund/VA 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Barclays US Aggregate 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/15 Strategy The fund's adviser, Oppenheimer, invests in debt securities of three market sectors: U.S. Government securities, foreign governments and companies and high yield securities of the U.S. and foreign companies. The manager focuses on securities with high current income and evaluates market price movement and relative values among the three sectors to seek overall portfolio diversification. Barclays US Aggregate Morningstar Category (Peer Group) Multisector Bond, Variable Annuity Funds, USA Region TR Underlying Fund 5/3/1993 Date Added to Separate Account 8/31/1999 Gross Fund Expense 1.00 Net Fund Expense 1.00 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Global Strategic Income Fund Barclays US Aggregate Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Global Strategic Income Multisector Bond, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Global Strategic Income

39 Oppenheimer Global Strategic Income Fund/VA Top 10 Holdings Government Of Indonesia 8.375% 15-mar % Government Of Colombia 10.0% 24-jul % Government Of Hungary 7.5% 12-nov % Government Of India 8.4% 28-jul % Government Of India 8.27% 09-jun % Government Of Brazil 10.0% 01-jan % Government Of Hungary 6.0% 24-nov % Government Of Mexico 5.0% 11-dec % National Power Corp. (philippines) 5.875% 19-de % Rural Electrification Corporation Limited 9.04% % Total 97.85% Region Weights Fund AMERICAS 68.31% EUROPE 15.30% ASIA PACIFIC 4.20% MIDDLE EAST -0.06% AFRICA 1.30% Asset Allocation Fund Investment Grade 28.50% International Markets 12.32% High Yield 49.10% Cash/Other 10.08% Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 4.21% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 6.90% 0.00% AAA 0.10% 72.29% AA 1.40% 3.74% A 5.70% 11.48% BBB 21.30% 12.49% BB 24.10% 0.00% B 20.70% 0.00% CCC and Below 4.30% 0.00% Cash and Equivalents 10.08% 0.00% Not Rated 6.80% 0.00% Modern Portfolio Theory Risk Statistics Fund 1.08% 1.71% Standard Deviation 3.97% 2.86% Beta Alpha -0.03% 0.00% Sharpe Ratio R-Squared 38.98% % # Observations 36-months 36-months Risk Reward 5% 4% 3% 2% 1% 0% -1% -2% -3% -4% Trailing 36-Months -5% -5% -4% -3% -2% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation 38 of 113 Oppenheimer Global Strategic Income Fund/VA Barclays US Aggregate Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

40 39 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Babson Capital Management LLC Portfolio Manager Fixed: William Awad, David Nagle, Doug Trevallion, II, Charles Sanford; Equity: Michael Farrell, Chris Cao Fund Objective Seeks to achieve as high a level of total rate of return over an extended period of time as is considered consistent with prudent investment risk and the preservation of capital. Strategy The fund's subadviser, Babson Capital, seeks its investment objective by investing across different asset classes (equity securities, fixed income securities, and money market instruments). The fixed income portion of the fund focuses on an analysis of yield opportunities and risks of various securities and market sectors. The equity portion of the fund combines value and growth approaches to achieve a core exposure to the equity market. 40% Barcap US Agg, 60% S&P 500 $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 MML Blend Fund 3/11 12/10 9/10 6/10 3/10 12/09 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Blend Fund 40% Barcap US Agg, 60% S&P 500 9/15 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Blend Fund Barcap US Agg, S&P Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 8.65 Morningstar Category (Peer Group) Moderate Allocation, Variable Annuity Funds, USA Region TR Underlying Fund 2/3/1984 Date Added to Separate Account 4/30/1999 Gross Fund Expense 0.70 Net Fund Expense 0.70 MML Blend Moderate Allocation, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Blend

41 Equity Top 5 Equity / Top 5 Fixed Holdings Apple Inc. 2.43% General Electric Company 1.29% Pfizer Inc. 1.19% JPMorgan Chase & Co. 1.00% Citigroup Inc. 0.88% Total 6.78% Fixed Income U.S. Dollar 8.84% 5Y T-Note (CBT) Dec % 2Y T-Note (CBT) Dec % GNMA II TBA 30 YR 3 JUMBOS 1.49% FNMA TBA 30 YR 3 SINGLE FAMILY MORTGAGE 1.32% Total 21.52% Portfolio Composition Equity 54.01% % Domestic 54.23% % Int'l -0.22% Fixed Income 36.05% % Int'l 23.50% % Domestic 12.54% Cash 9.94% MML Blend Fund 40 of 113 Fixed Income Fundamental Characteristics Fund Weighted Average Coupon 5.65% 5.50% Maturity (life) Duration Credit Quality Breakdown Government & Agency 0.00% 0.00% AAA 39.35% 72.29% AA 5.02% 3.74% A 16.96% 11.48% BBB 31.72% 12.49% BB 6.67% 0.00% B 0.17% 0.00% CCC and Below 0.00% 0.00% Cash and Equivalents 0.12% 0.00% Not Rated 0.00% 0.00% Equity Fundamental Characteristics Fund Market Capitalization $118,566 $123,466 Price to Earnings Price to Book EPS Dividend Yield 2.27% 2.21% Hist 3Yr EPS Growth # of Securities 1, Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 8.40% 8.24% 6.63% 5.82% % 0.00% % % 36-months 36-months 8.4% 8.35% 8.3% 8.25% Risk Reward Trailing 36-Months 8.2% 5.6% 5.8% 6% 6.2% 6.4% 6.6% Annualized Standard Deviation MML Blend Fund 40% Barcap US Agg, 60% S&P 500 Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share

42 41 of 113 Advisor Fidelity Management & Research Company Sub-Advisor FMR Co., Inc. Portfolio Manager Robert Stansky Fund Objective Seeks long-term capital appreciation. Fidelity VIP Contrafund Portfolio $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 Fidelity VIP Contrafund Portfolio S&P Total Return 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/15 Strategy The fund's adviser, Fidelity, seeks companies whose value is not fully recognized. These companies may exhibit a positive fundamental change, an increase in earnings potential, market popularity that may have temporarily fallen out of favor and are undervalued relative to securities of other companies. Fidelity tends to purchase a combination of both growth and value stocks. S&P 500 Morningstar Category (Peer Group) Large Blend, Variable Annuity Funds, USA Region TR Underlying Fund 1/3/1995 Date Added to Separate Account 8/31/1998 Gross Fund Expense 0.88 Net Fund Expense 0.88 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Fidelity VIP Contrafund Portfolio S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Fidelity VIP Contrafund Large Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Fidelity VIP Contrafund

43 Fidelity VIP Contrafund Portfolio 42 of 113 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 11.15% 12.40% 9.62% 9.61% % 0.00% % % 36-months 36-months 12.8% 12.6% 12.4% 12.2% 12% 11.8% 11.6% 11.4% 11.2% Risk Reward Trailing 36-Months 9.6% 9.605% 9.61% 9.615% 9.62% 9.625% Annualized Standard Deviation Fidelity VIP Contrafund Portfolio S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Fidelity, Fidelity Investments & Pyramid Design and Contrafund are registered service marks of FMR Corporation. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

44 43 of 113 Advisor Invesco Advisers, Inc. Sub-Advisor NA Portfolio Manager Meggan Walsh, Kristina Bradshaw, Robert Botard Fund Objective Seeks to provide reasonable current income and long-term growth of income and capital. Strategy The fund's adviser, Invesco, seeks to build a portfolio of attractively valued companies that pay dividends sustained by strong capital structures, which provide the opportunity to outperform over the long term. Invesco V.I. Diversified Dividend Fund $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 Invesco V.I. Diversified Dividend Fund S&P Total Return 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Diversified Dividend Fund /15 S&P 500 Morningstar Category (Peer Group) Large Blend, Variable Annuity Funds, USA Region TR Underlying Fund 3/1/1990 Date Added to Separate Account 4/30/2000 Gross Fund Expense 0.99 Net Fund Expense 0.99 S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Diversified Dividend Large Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Diversified Dividend

45 Invesco V.I. Diversified Dividend Fund 44 of 113 Modern Portfolio Theory Risk Statistics Fund Risk Reward Trailing 36-Months 14.25% 12.40% 14% Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations 8.85% 9.61% % 0.00% % % 36-months 36-months 13.5% 13% 12.5% 12% 8.8% 9% 9.2% 9.4% 9.6% 9.8% Annualized Standard Deviation Invesco V.I. Diversified Dividend Fund S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Effective April 29, 2011, Invesco V.I. Financial Services Fund merged into Invesco V.I. Dividend Growth Fund. Performance prior to that day reflects performance of the Invesco V.I. Financial Services Fund and performance on and after that date reflects performance of the Invesco V.I. Dividend Growth Fund. Performance prior to that day reflects performance of the Invesco V.I. Financial Services Fund and performance on and after that date reflects performance of the Invesco V.I. Dividend Growth Fund. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share

46 45 of 113 Advisor Invesco Advisers, Inc. Sub-Advisor NA Portfolio Manager Derek Taner Fund Objective Seeks long-term growth of capital. Invesco V.I. Global Health Care Fund $30,000 $25,000 $20,000 $15,000 $10,000 Growth of $10,000 Invesco V.I. Global Health Care Fund MSCI The World Index - Health Care - Net Return 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/15 Strategy The fund is non-diversified, investing in securities of health care industry companies. The funds adviser, Invesco, seeks health care companies that exhibit above-average earnings growth, high return on invested capital, healthy balance sheet, strong competitive advantages, research & product development of new technologies, efficient services, flexible pricing and strong management. MSCI World Health Care Morningstar Category (Peer Group) Health, Variable Annuity Funds, USA Region TR Underlying Fund 5/21/1997 Date Added to Separate Account 4/30/2000 Gross Fund Expense 1.35 Net Fund Expense 1.35 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Global Health Care Fund MSCI The World Index - Health Care - Net Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Global Health Care Health, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Global Health Care

47 Invesco V.I. Global Health Care Fund 46 of 113 Modern Portfolio Theory Risk Statistics Fund Risk Reward Trailing 36-Months 17.85% 17.34% 17.8% Standard Deviation Beta Alpha Sharpe Ratio 12.64% 10.97% % 0.00% % 17.6% 17.5% 17.4% 17.3% R-Squared # Observations 89.50% % 36-months 36-months 17.2% 10.5% 11% 11.5% 12% 12.5% Annualized Standard Deviation Invesco V.I. Global Health Care Fund MSCI The World Index - Health Care - Net Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance. Invesco AimSM is a service mark of Invesco Aim Management Group, Inc. Invesco Aim Advisors, Inc. is one of the investment advisors for the products and services represented by Invesco Aim.

48 47 of 113 Advisor Invesco Advisers, Inc. Sub-Advisor NA Portfolio Manager Warren Tennant, Brian Nelson Fund Objective Seeks long-term growth of capital. Strategy The fund is non-diversified, investing in technology-related industries. The funds adviser, Invesco, uses a combination of quantitative, fundamental and valuation analysis focusing on attractively valued, wellmanaged companies that can deliver attractive returns. S&P North American Technology Sector Index Morningstar Category (Peer Group) Technology, Variable Annuity Funds, USA Region TR Underlying Fund 5/20/1997 Date Added to Separate Account 4/30/2000 Gross Fund Expense 1.41 Net Fund Expense 1.41 Invesco V.I. Technology Fund $13,000 $12,000 $11,000 $10,000 $9,000 $8,000 $7,000 $6,000 $5,000 $4,000 Growth of $10,000 Invesco V.I. Technology Fund S&P North American Technology Sector Index 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Technology Fund S&P North American Technology Sector Index Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Technology Technology, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown /15 Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Invesco V.I. Technology

49 Invesco V.I. Technology Fund 48 of 113 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 9.46% % months % 10.2% 10% 9.8% 9.6% 9.4% 9.2% 9% 8.8% 8.6% Risk Reward Trailing 36-Months 11.5% 12% 12.5% 13% 13.5% Annualized Standard Deviation Invesco V.I. Technology Fund S&P North American Technology Sector Index Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance. Invesco AimSM is a service mark of Invesco Aim Management Group, Inc. Invesco Aim Advisors, Inc. is one of the investment advisors for the products and services represented by Invesco Aim.

50 49 of 113 Advisor Waddell & Reed Investment Management Company Sub-Advisor NA Portfolio Manager Michael Avery, Cynthia Prince-Fox, Chace Brundige Fund Objective Seeks to provide total return. Strategy The fund's adviser, Waddell & Reed, is dependent on the outlook for the U.S. and global economies, in which, they identify growth themes and then make top-down allocations among stocks, bonds, cash, precious metals, currency and derivative instruments. They seek attractive opportunities within each market by focusing on countries, sectors and companies with strong cash flow and low balance sheet leverage. S&P 500 Morningstar Category (Peer Group) World Allocation, Variable Annuity Funds, USA Region TR Underlying Fund 5/31/1995 Date Added to Separate Account 10/31/2012 Gross Fund Expense 0.98 Net Fund Expense 0.98 Ivy VIP Asset Strategy Fund $70,000 $60,000 $50,000 $40,000 $30,000 $20,000 $10,000 11/05 5/05 11/04 5/04 11/03 5/03 11/02 5/02 11/01 5/01 11/00 5/00 11/99 5/99 11/98 5/98 11/97 5/97 11/96 5/96 11/95 5/95 Growth of $10,000 Ivy VIP Asset Strategy Fund S&P Total Return 11/13 5/13 11/12 5/12 11/11 5/11 11/10 5/10 11/09 5/09 11/08 5/08 11/07 5/07 11/06 5/06 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Ivy Asset Strategy Fund /15 11/14 5/14 S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Ivy Asset Strategy World Allocation, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Ivy Asset Strategy

51 Ivy VIP Asset Strategy Fund 50 of 113 Modern Portfolio Theory Risk Statistics Fund Risk Reward Trailing 36-Months Standard Deviation Beta Alpha Sharpe Ratio R-Squared 3.50% 12.40% 10.15% 9.61% % 0.00% % % 14% 12% 10% 8% 6% 4% # Observations 36-months 36-months 9.4% 9.5% 9.6% 9.7% 9.8% 9.9% 10% 10.1% Annualized Standard Deviation Ivy VIP Asset Strategy Fund S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market.

52 51 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor NA Portfolio Manager Donnalisa Parks Barnum, Ronald Morrow, Alan Wilson, Gregory Johnson, Michael Kerr, Andraz Razen Fund Objective Seeks to provide investors with long-term capital growth. Strategy The fund pursues its objective through a master feeder relationship. The funds adviser, Capital Research, seeks to invest in attractively priced securities representing above-average longterm investment opportunities through a fundamental analysis, including meetings with company executives and employees, suppliers, customers and competitors. Russell 1000 Growth Morningstar Category (Peer Group) Large Growth, Variable Annuity Funds, USA Region TR MML American Funds Growth Fund $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 Growth of $10,000 MML American Funds Growth Fund Russell 1000 Growth - Total Return 10/11 7/11 4/11 1/11 10/10 7/10 4/10 1/10 10/09 7/09 4/09 1/09 10/08 7/08 4/08 1/08 10/07 7/07 4/07 1/07 10/06 7/06 4/06 7/15 4/15 1/15 10/14 7/14 4/14 1/14 10/13 7/13 4/13 1/13 10/12 7/12 4/12 1/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML American Funds Growth Fund Russell 1000 Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 1.57 Underlying Fund 5/21/2006 Date Added to Separate Account 9/8/2008 Gross Fund Expense 1.05 Net Fund Expense 1.05 MML American Funds Growth Large Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML American Funds Growth

53 MML American Funds Growth Fund 52 of 113 Modern Portfolio Theory Risk Statistics Fund Risk Reward Trailing 36-Months 12.04% 13.61% 14% Standard Deviation Beta Alpha Sharpe Ratio 9.62% 9.99% % 0.00% % 13% 12.5% R-Squared # Observations 90.44% % 36-months 36-months 12% 9.6% 9.7% 9.8% 9.9% 10% 10.1% Annualized Standard Deviation MML American Funds Growth Fund Russell 1000 Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The underlying MML Fund does not buy investment securities directly, but instead invests in shares of a corresponding American Funds master fund, which in turn purchases investment securities. The performance of the MML Fund will be lower than the American Funds master fund because it represents an investment in the American Funds master fund reduced by the MML Fund's fees. The performance for the period prior to inception of the MML Fund on 8/15/2008, shows the historical returns for the American Funds master fund adjusted to reflect the MML Fund's fees at its inception (0.70%). Performance reflects share classes with 12(b)-1 fees from inception which reduces the funds performance.

54 53 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor T. Rowe Price Associates, Inc. Portfolio Manager Larry Puglia Fund Objective Seeks long-term capital growth. Income is a secondary objective. Strategy The fund's subadviser, T. Rowe Price, seeks to identify companies with a leading market position, seasoned management and strong financial fundamentals. T. Rowe Price believes that solid company fundamentals (with an emphasis on strong growth in earnings per share or operating cash flow) combined with a positive industry outlook may potentially reward investors with strong investment performance. It is anticipated that some of the companies targeted will have good prospects for dividend growth. Russell 1000 Growth Morningstar Category (Peer Group) Large Growth, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/2006 Date Added to Separate Account 5/31/2002 Gross Fund Expense 1.04 Net Fund Expense 1.04 MML Blue Chip Growth Fund $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Blue Chip Growth Fund Russell 1000 Growth - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Blue Chip Growth Fund Russell 1000 Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Blue Chip Growth Large Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Blue Chip Growth

55 Top 10 Holdings Amazon.com, Inc. 6.28% Google Inc. Cl C 3.75% Priceline Group Inc 3.46% Facebook, Inc. Class A 3.26% Danaher Corporation 3.12% Visa Inc. Class A 2.93% MasterCard Incorporated Class A 2.70% Google Inc. Cl A 2.46% Allergan plc 2.32% McKesson Corporation 2.31% Total 32.62% MML Blue Chip Growth Fund 54 of 113 Equity Fundamental Characteristics Fund Market Capitalization $109,404 $119,727 Price to Earnings Price to Book EPS Dividend Yield 0.68% 1.59% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Blue Chip Growth Fund Russell 1000 Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 15.35% 13.61% 11.45% 9.99% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology 15% Materials Telecommunication Services Utilities 14.5% 14% 13.5% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 13% 9.5% 10% 10.5% 11% 11.5% Annualized Standard Deviation MML Blue Chip Growth Fund Russell 1000 Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance. T. Rowe Price, Invest With Confidence, the Big Horn Sheep and the logo they compose are trademarks or registered trademarks of T. Rowe Price Group, Inc. in the U.S. and other countries.

56 55 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor OppenheimerFunds, Inc. Loomis, Sayles & Company, L.P. Portfolio Manager Oppenheimer: Laton Spahr Loomis Sayles: Arthur Barry Fund Objective Seeks to achieve a superior total rate of return over an extended period of time from both capital appreciation and current income. Strategy The fund is managed by two subadvisers, OppenheimerFunds and Loomis Sayles. Each subadviser employs a bottom-up, value-based investment approach in selecting securities for the Fund. Oppenheimer seeks out companies based on factors such as supply/demand, product cycles, quality of management, competitive position, cash reinvestment plans, and better-than-expected earnings reports and attractive valuations. Loomis Sayles looks for attractively valued companies based on its estimate of intrinsic value. Russell 1000 Value Morningstar Category (Peer Group) Large Value, Variable Annuity Funds, USA Region TR Underlying Fund 12/31/1973 Date Added to Separate Account 4/30/1999 Gross Fund Expense 0.68 $25,000 $20,000 $15,000 $10,000 $5,000 MML Equity Fund 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Equity Fund Russell 1000 Value - Total Return 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/09 6/09 3/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Fund Russell 1000 Value - Total Return /15 6/15 3/15 12/14 -- Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Large Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Net Fund Expense 0.68 Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity

57 Top 10 Holdings JPMorgan Chase & Co. 3.08% Citigroup Inc. 2.87% Pfizer Inc. 2.52% UnitedHealth Group Incorporated 2.33% American International Group, Inc. 2.23% Microsoft Corporation 1.91% Eli Lilly and Company 1.76% Teva Pharmaceutical Industries Limited Spon % Bank of America Corporation 1.67% Edison International 1.45% Total 21.52% MML Equity Fund 56 of 113 Equity Fundamental Characteristics Fund Market Capitalization $84,255 $98,268 Price to Earnings Price to Book EPS Dividend Yield 2.28% 2.69% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Equity Fund Russell 1000 Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 11.57% 11.59% 10.34% 9.90% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology Materials Telecommunication Services Utilities Cash Risk Reward Trailing 36-Months 11.6% % 11.59% % 11.58% % 11.57%.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 9.8% 9.9% 10% 10.1% 10.2% 10.3% Annualized Standard Deviation MML Equity Fund Russell 1000 Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Although the MML Equity Fund commenced operations on September 15, 1971, the information necessary to calculate returns is available only for 1974 and later years. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

58 57 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor T. Rowe Price Associates, Inc. Portfolio Manager Brian Rogers Fund Objective Seeks dividend income and long-term capital growth. Strategy The fund's subadviser, T. Rowe Price, employs a value approach in selecting investments that may be temporarily out of favor but have good prospects for capital appreciation and dividend growth. T. Rowe Price generally looks for companies with one or more of the following: an established operating history, above-average dividend yield, low price/earnings, and a sound balance sheet. Russell 1000 Value Morningstar Category (Peer Group) Large Value, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/2006 Date Added to Separate Account 5/31/2002 Gross Fund Expense 1.03 Net Fund Expense 1.03 MML Equity Income Fund $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Equity Income Fund Russell 1000 Value - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Income Fund Russell 1000 Value - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Income Large Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Income

59 Top 10 Holdings General Electric Company 3.42% JPMorgan Chase & Co. 3.31% Wells Fargo & Company 2.13% Bank of America Corporation 2.01% Johnson & Johnson 1.90% U.S. Bancorp 1.84% Exxon Mobil Corporation 1.81% Pfizer Inc. 1.74% Chevron Corporation 1.71% AT&T Inc. 1.65% Total 21.52% MML Equity Income Fund 58 of 113 Equity Fundamental Characteristics Fund Market Capitalization $84,600 $98,268 Price to Earnings Price to Book EPS Dividend Yield 3.19% 2.69% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Equity Income Fund Russell 1000 Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 7.58% 11.59% 9.85% 9.90% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 13% 12% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities 11% 10% 9% 8% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 9.85% 9.86% 9.87% 9.88% 9.89% 9.9% 9.91% Annualized Standard Deviation MML Equity Income Fund Russell 1000 Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance. T. Rowe Price, Invest With Confidence, the Big Horn Sheep and the logo they compose are trademarks or registered trademarks of T. Rowe Price Group, Inc. in the U.S. and other countries.

60 59 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Northern Trust Investments, N.A. Portfolio Manager Brent Reeder Fund Objective Seeks investment results that correspond to the price and yield performance of publicly traded common stocks in the aggregate, as represented by the S&P 500 Index. Strategy The fund's subadviser, Northern Trust, attempts to maximize the fund's liquidity and returns while minimzing its costs. S&P 500 Morningstar Category (Peer Group) Large Blend, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/1997 Date Added to Separate Account 4/30/1999 Gross Fund Expense 0.69 Net Fund Expense 0.69 $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 MML Equity Index Fund $8,000 $6,000 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Equity Index Fund S&P Total Return 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/09 6/09 3/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Index Fund S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 9/15 6/15 3/15 12/14 MML Equity Index Large Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Equity Index

61 Top 10 Holdings Apple Inc. 3.65% Microsoft Corporation 2.05% Exxon Mobil Corporation 1.80% Johnson & Johnson 1.50% General Electric Company 1.48% Berkshire Hathaway Inc. Class B 1.42% Wells Fargo & Company 1.39% JPMorgan Chase & Co. 1.31% Facebook, Inc. Class A 1.18% AT&T Inc. 1.16% Total 16.93% MML Equity Index Fund 60 of 113 Equity Fundamental Characteristics Fund Market Capitalization $123,464 $123,466 Price to Earnings Price to Book EPS Dividend Yield 2.21% 2.21% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Equity Index Fund S&P 500 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 11.64% 12.40% 9.62% 9.61% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 12.6% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities 12.4% 12.2% 12% 11.8% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 11.6% 9.604% 9.608% 9.612% 9.616% Annualized Standard Deviation MML Equity Index Fund S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

62 61 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Harris Associates L.P. MML Focused Equity Fund $19,000 $18,000 $17,000 $16,000 Growth of $10,000 MML Focused Equity Fund S&P Total Return Portfolio Manager Robert Levy, Michael Mangan $15,000 $14,000 $13,000 $12,000 Fund Objective Seeks growth of capital over the long-term. $11,000 $10,000 12/11 3/12 6/12 9/12 12/12 3/13 6/13 9/13 12/13 3/14 6/14 9/14 12/14 3/15 6/15 9/15 Strategy The fund's subadviser, Harris, uses a value investment philosophy in selecting equity investments. The investment philosophy is based upon the belief that, over time, a company's stock price converges with the company's intrinsic or true business value. Harris seeks to identify companies that it believes have discounted stock prices compared to the company's true business values. By true business value, Harris means an estimate of the price a knowledgeable buyer would pay to acquire the entire business. S&P 500 Morningstar Category (Peer Group) Large Blend, Variable Annuity Funds, USA Region TR Underlying Fund 12/8/2011 Date Added to Separate Account 5/1/2012 Gross Fund Expense 1.15 Net Fund Expense 1.15 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Focused Equity Fund S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Focused Equity Large Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Focused Equity

63 Top 10 Holdings American International Group, Inc. 7.21% Intel Corporation 7.05% Wells Fargo & Company 6.90% General Motors Company 6.42% Microsoft Corporation 5.71% Aon plc 5.42% JPMorgan Chase & Co. 5.34% BlackRock, Inc. 4.73% CBRE Group, Inc. Class A 4.29% Tiffany & Co. 4.15% Total 57.22% MML Focused Equity Fund 62 of 113 Equity Fundamental Characteristics Fund Market Capitalization $109,651 $123,466 Price to Earnings Price to Book EPS Dividend Yield 2.47% 2.21% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Focused Equity Fund S&P 500 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 11.48% 12.40% 12.43% 9.61% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 12.6% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities Cash 12.4% 12.2% 12% 11.8% 11.6%.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 8.5% 9% 9.5% 10% 10.5% 11% 11.5% 12% 12.5% Annualized Standard Deviation MML Focused Equity Fund S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12b-1 fees from inception which reduces the fund?ã s performance. Please see the fund prospectus for more information about this fee.

64 63 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Wellington Management Company, LLP MML Fundamental Growth Fund $19,000 $18,000 $17,000 $16,000 Growth of $10,000 MML Fundamental Growth Fund Russell 1000 Growth - Total Return Portfolio Manager Paul Marrkand $15,000 $14,000 $13,000 $12,000 Fund Objective Seeks long-term growth of capital. $11,000 $10,000 12/11 3/12 6/12 9/12 12/12 3/13 6/13 9/13 12/13 3/14 6/14 9/14 12/14 3/15 6/15 9/15 Strategy The fund's subadviser, Wellington Management, generally employs a bottom-up stock selection process that utilizes fundamental analysis to indentify specific securities within industries or sectors for purchase or sale. Wellington seeks to identify diversified sources of return based on its assessment of individual companies against the context of broader market factors by evaluating and ranking each stock on a consistent set of growth, quality, and valuation criteria. Russell 1000 Growth Morningstar Category (Peer Group) Large Growth, Variable Annuity Funds, USA Region TR Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Fundamental Growth Fund Russell 1000 Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Underlying Fund 12/8/2011 Date Added to Separate Account 5/1/2012 Gross Fund Expense 1.08 Net Fund Expense 1.08 MML Fundamental Growth Large Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Fundamental Growth

65 Top 10 Holdings Apple Inc. 5.68% Google Inc. Cl C 4.15% Oracle Corporation 2.98% Amazon.com, Inc. 2.93% Microsoft Corporation 2.90% Home Depot, Inc. 2.75% Facebook, Inc. Class A 2.72% Gilead Sciences, Inc. 2.07% Visa Inc. Class A 2.02% Comcast Corporation Class A 1.85% Total 30.06% MML Fundamental Growth Fund 64 of 113 Equity Fundamental Characteristics Fund Market Capitalization $133,133 $119,727 Price to Earnings Price to Book EPS Dividend Yield 1.26% 1.59% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Fundamental Growth Fund Russell 1000 Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 11.70% 13.61% 10.40% 9.99% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology 14% Materials Telecommunication Services Utilities 13.5% 13% 12.5% 12% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 9.9% 10% 10.1% 10.2% 10.3% 10.4% Annualized Standard Deviation MML Fundamental Growth Fund Russell 1000 Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12b-1 fees from inception which reduces the fund?ã s performance. Please see the fund prospectus for more information about this fee.

66 65 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Wellington Management Company, LLP Portfolio Manager Karen Grimes MML Fundamental Value Fund $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 Growth of $10,000 MML Fundamental Value Fund Russell 1000 Value - Total Return Fund Objective Seeks long-term total return. $10,000 8/10 11/10 2/11 5/11 8/11 11/11 2/12 5/12 8/12 2/13 11/12 5/13 8/13 11/13 2/14 5/14 8/14 11/14 2/15 5/15 8/15 Strategy The fund's subadviser, Wellington Management, generally employs a bottom-up investment approach based on fundamental analysis of companies with large market capitalizations and estimated below-average projected price-to-earnings ratio. Wellington seeks to identify what it considers to be overlooked or misunderstood companies with sound fundamentals. Wellington Management generally focuses on what it believes are securities of viable growing businesses with good financial strength in industries that are temporarily out of favor and under researched by institutions, but provide the potential for above-average total returns and sell at estimated below-average price-to-earnings multiples. Russell 1000 Value Morningstar Category (Peer Group) Large Value, Variable Annuity Funds, USA Region TR Underlying Fund 8/9/2010 Date Added to Separate Account 5/1/2012 Gross Fund Expense 1.04 Net Fund Expense 1.04 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Fundamental Value Fund Russell 1000 Value - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Fundamental Value Large Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Fundamental Value

67 Top 10 Holdings Wells Fargo & Company 4.06% JPMorgan Chase & Co. 3.91% Cisco Systems, Inc. 3.26% Citigroup Inc. 2.53% Merck & Co., Inc. 2.44% Microsoft Corporation 2.41% PNC Financial Services Group, Inc. 2.29% Intel Corporation 2.02% General Electric Company 2.01% Chevron Corporation 1.69% Total 26.62% MML Fundamental Value Fund 66 of 113 Equity Fundamental Characteristics Fund Market Capitalization $96,611 $98,268 Price to Earnings Price to Book EPS Dividend Yield 2.50% 2.69% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Fundamental Value Fund Russell 1000 Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 10.47% 11.59% 9.87% 9.90% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology Materials Telecommunication Services Utilities 12% 11.8% 11.6% 11.4% 11.2% 11% 10.8% 10.6% Risk Reward Trailing 36-Months Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 10.4% 9.865% 9.87% 9.875% 9.88% 9.885% 9.89% 9.895% 9.9% 9.905% Annualized Standard Deviation MML Fundamental Value Fund Russell 1000 Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12b-1 fees from inception which reduces the fund?ã s performance. Please see the fund prospectus for more information about this fee.

68 67 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Massachusetts Financial Services Company Portfolio Manager Kevin Beatty, Nicole Zatlyn Fund Objective Seeks capital appreciation and income. MML Growth & Income Fund $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Growth & Income Fund S&P Total Return 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 11/11 8/11 5/11 8/15 5/15 2/15 Strategy The fund's subadviser, MFS, selects investments without being constrained to any particular investment style. MFS may invest the funds assets in the stocks of companies it believes to have above average earnings growth potential compared to other companies (growth companies), in the stocks of companies it believes are undervalued compared to their perceived worth (value companies), or in a combination of growth and value companies. MFS may consider the portfolios overall prospects for income as well as appreciation in managing the Fund. S&P 500 Morningstar Category (Peer Group) Large Blend, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/2006 Date Added to Separate Account 4/30/2003 Gross Fund Expense 0.81 Net Fund Expense 0.81 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Growth & Income Fund S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Growth & Income Large Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Growth & Income

69 Top 10 Holdings JPMorgan Chase & Co. 3.19% Visa Inc. Class A 2.96% Danaher Corporation 2.81% Google Inc. Cl A 2.09% Johnson & Johnson 2.06% Bank of America Corporation 2.04% Wells Fargo & Company 2.04% American Express Company 2.03% EMC Corporation 1.94% Thermo Fisher Scientific Inc. 1.92% Total 23.07% MML Growth & Income Fund 68 of 113 Equity Fundamental Characteristics Fund Market Capitalization $85,739 $123,466 Price to Earnings Price to Book EPS Dividend Yield 1.62% 2.21% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Growth & Income Fund S&P 500 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 12.12% 12.40% 10.14% 9.61% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 12.5% 12.45% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities 12.4% 12.35% 12.3% 12.25% 12.2% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 12.15% 12.1% 9.4% 9.5% 9.6% 9.7% 9.8% 9.9% 10% 10.1% Annualized Standard Deviation MML Growth & Income Fund S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

70 69 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor BlackRock Investment Management, LLC Portfolio Manager Robert Shearer, Tony DeSpirito, Kathleen Anderson, David Cassese Fund Objective Seeks growth of capital with income as a secondary objective. Strategy The fund's subadviser, BlackRock, invests primarily in investments in dividend paying companies that the fund's management believes will increase in value over the long term and provide current income. Russell 1000 Value Morningstar Category (Peer Group) Large Value, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/2006 Date Added to Separate Account 8/31/1998 Gross Fund Expense 0.95 Net Fund Expense 0.95 MML Income & Growth Fund $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Income & Growth Fund Russell 1000 Value - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Income & Growth Fund Russell 1000 Value - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Income & Growth Large Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Income & Growth

71 Top 10 Holdings JPMorgan Chase & Co. 4.02% Wells Fargo & Company 3.71% Citigroup Inc. 3.05% General Electric Company 2.90% Pfizer Inc. 2.72% Exxon Mobil Corporation 2.49% Home Depot, Inc. 2.33% Intel Corporation 2.27% UnitedHealth Group Incorporated 2.25% Microsoft Corporation 2.20% Total 27.94% MML Income & Growth Fund 70 of 113 Equity Fundamental Characteristics Fund Market Capitalization $115,396 $98,268 Price to Earnings Price to Book EPS Dividend Yield 2.81% 2.69% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Income & Growth Fund Russell 1000 Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 8.02% 11.59% 8.96% 9.90% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 13% 12% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities 11% 10% 9% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 8% 9% 9.2% 9.4% 9.6% 9.8% 10% 10.2% Annualized Standard Deviation MML Income & Growth Fund Russell 1000 Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

72 71 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Rainier Investment Management, Inc. Portfolio Manager James Margard, Daniel Brewer, Mark Broughton, Stacie Cowell, Mark Dawson, Andrea Durbin, Peter Musser Fund Objective Seeks long-term capital appreciation. Strategy The fund's subadviser, Rainier, seeks to identify companies it believes are likely to demonstrate superior earnings growth relative to their peers. Rainier typically favors companies that it believes have attractive fundamentals, such as strong revenue, earnings or cash flow growth. Russell 1000 Growth Morningstar Category (Peer Group) Large Growth, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/2006 Date Added to Separate Account 8/31/1999 Gross Fund Expense 0.94 Net Fund Expense 0.94 MML Large Cap Growth Fund $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Large Cap Growth Fund Russell 1000 Growth - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Large Cap Growth Fund Russell 1000 Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Large Cap Growth Large Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Large Cap Growth

73 Top 10 Holdings Apple Inc. 5.52% Google Inc. Cl A 3.92% Visa Inc. Class A 3.87% Walt Disney Company 3.76% Facebook, Inc. Class A 3.30% Home Depot, Inc. 3.23% Allergan plc 3.19% Amazon.com, Inc. 2.70% Priceline Group Inc 2.54% Celgene Corporation 2.32% Total 34.35% MML Large Cap Growth Fund 72 of 113 Equity Fundamental Characteristics Fund Market Capitalization $104,136 $119,727 Price to Earnings Price to Book EPS Dividend Yield 0.66% 1.59% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Large Cap Growth Fund Russell 1000 Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 12.39% 13.61% 11.64% 9.99% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology 14% 13.8% Materials Telecommunication Services Utilities 13.6% 13.4% 13.2% 13% 12.8% 12.6% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 12.4% 9.5% 10% 10.5% 11% 11.5% Annualized Standard Deviation MML Large Cap Growth Fund Russell 1000 Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

74 73 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Gateway Investment Advisers, LLC Portfolio Manager Paul Stewart, Michael Buckius, Kenneth Toft Fund Objective Seeks to capture the majority of the returns associated with equity market investments, while exposing investors to less risk than other equity investments. Strategy The fund's subadviser, Gateway, invests in a broadly diversified portfolio of common stocks, while also selling index call options and purchasing index put options. The Fund s stock portfolio will have approximately 500 stocks and seeks to duplicate the investment composition and return of the S&P 500 Index. The combination of the diversified stock portfolio, the steady cash flow from the sale of index call options and the downside protection from index put options is intended to provide the Fund with the majority of the returns associated with equity market investments with the potential to reduce volatility by exposing investors to less risk than other equity investments. S&P 500 Morningstar Category (Peer Group) Long/Short Equity, Open End Fund Funds, USA Region TR Underlying Fund 5/1/2000 Date Added to Separate Account 5/1/2000 MML Managed Volatility Fund $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Managed Volatility Fund S&P Total Return 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Managed Volatility Fund S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Managed Volatility Long/Short Equity, Open End Fund Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown /15 Gross Fund Expense 1.15 Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Net Fund Expense 1.15 MML Large Cap Value

75 Top 10 Holdings Apple Inc. 3.61% Microsoft Corporation 2.04% Exxon Mobil Corporation 1.75% Johnson & Johnson 1.46% General Electric Company 1.43% Wells Fargo & Company 1.35% Berkshire Hathaway Inc. Class B 1.34% JPMorgan Chase & Co. 1.28% AT&T Inc. 1.12% Amazon.com, Inc. 1.09% Total 16.46% MML Managed Volatility Fund 74 of 113 Equity Fundamental Characteristics Fund Market Capitalization $123,422 $123,466 Price to Earnings Price to Book EPS Dividend Yield 2.21% 2.21% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Managed Volatility Fund S&P 500 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 7.52% 12.40% 5.08% 9.61% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 14% 13% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities Cash 12% 11% 10% 9% 8%.00% 5.00% 10.00% 15.00% 20.00% 25.00% 5% 6% 7% 8% 9% 10% 11% Annualized Standard Deviation MML Managed Volatility Fund S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

76 75 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor T. Rowe Price Associates, Inc. Portfolio Manager Brian Berghuis Fund Objective Seeks long-term capital appreciation. MML Mid Cap Growth Fund $25,000 $20,000 $15,000 $10,000 $5,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Mid Cap Growth Fund Russell Midcap Growth - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Strategy The fund's subadviser, T. Rowe Price, uses a growth approach, seeking to identify companies that it believes have proven products or services, a record of above-average earnings growth, demonstrated potential to sustain earnings growth, stock prices that appear to undervalue their growth prospects, or a connection to industries experiencing increasing demand. Russell Midcap Growth Morningstar Category (Peer Group) Mid-Cap Growth, Variable Annuity Funds, USA Region TR Underlying Fund 5/3/2006 Date Added to Separate Account 8/31/1998 Gross Fund Expense 1.06 Net Fund Expense 1.06 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Mid Cap Growth Fund Russell Midcap Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Mid Cap Growth Mid-Cap Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Mid Cap Growth

77 Top 10 Holdings Fiserv, Inc. 2.52% Norwegian Cruise Line Holdings Ltd. 1.81% CarMax, Inc. 1.79% IHS Inc. Class A 1.68% Textron Inc. 1.56% AutoZone, Inc. 1.54% O'Reilly Automotive, Inc. 1.54% Fidelity National Financial, Inc - FNF Group 1.48% VeriSign, Inc. 1.47% Global Payments Inc. 1.41% Total 16.80% MML Mid Cap Growth Fund 76 of 113 Equity Fundamental Characteristics Fund Market Capitalization $10,913 $12,534 Price to Earnings Price to Book EPS Dividend Yield 0.66% 1.11% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Mid Cap Growth Fund Russell Midcap Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 16.52% 13.98% 10.39% 10.93% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 16.5% 16% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities 15.5% 15% 14.5% 14% 13.5% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 13% 10.4% 10.5% 10.6% 10.7% 10.8% 10.9% 11% 11.1% Annualized Standard Deviation MML Mid Cap Growth Fund Russell Midcap Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance. T. Rowe Price, Invest With Confidence, the Big Horn Sheep and the logo they compose are trademarks or registered trademarks of T. Rowe Price Group, Inc. in the U.S. and other countries.

78 77 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor American Century Investment Management, Inc. Portfolio Manager Phillip Davidson, Michael Liss, Kevin Toney Fund Objective Seeks long-term capital growth. Income is a secondary objective. Strategy The fund's subadviser, American Century, looks for companies with earnings, cash flows and/or assets that may not be accurately reflected in the companies values, as determined by the managers. The managers also may consider whether the companies securities have a favorable income-paying history and whether income payments are expected to continue or increase. Russell Midcap Value Morningstar Category (Peer Group) Mid-Cap Value, Variable Annuity Funds, USA Region TR MML Mid Cap Value Fund $25,000 $20,000 $15,000 $10,000 $5,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Mid Cap Value Fund Russell Midcap Value - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Mid Cap Value Fund Russell Midcap Value - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR 8.19 Underlying Fund 5/1/2006 Date Added to Separate Account 8/31/1999 Gross Fund Expense 1.14 Net Fund Expense 1.14 MML Mid Cap Value Mid-Cap Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Mid Cap Value

79 Top 10 Holdings Republic Services, Inc. 2.98% Northern Trust Corporation 2.75% Sysco Corporation 2.74% Imperial Oil Limited 2.06% Zimmer Biomet Holdings, Inc. 1.82% LifePoint Health, Inc. 1.80% Cameron International Corporation 1.67% ConAgra Foods, Inc. 1.57% Edison International 1.55% Weyerhaeuser Company 1.54% Total 20.48% MML Mid Cap Value Fund 78 of 113 Equity Fundamental Characteristics Fund Market Capitalization $15,666 $10,509 Price to Earnings Price to Book EPS Dividend Yield 2.42% 2.46% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights MML Mid Cap Value Fund Russell Midcap Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 13.85% 13.69% 8.80% 10.07% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology Materials Telecommunication Services Utilities 13.85% 13.8% 13.75% 13.7% Risk Reward Trailing 36-Months Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 13.65% 8.8% 9.2% 9.6% 10% 10.4% Annualized Standard Deviation MML Mid Cap Value Fund Russell Midcap Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

80 79 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor OppenheimerFunds, Inc. Portfolio Manager Matthew Ziehl, Raman Vardharaj, Raymond Anello, Joy Budzinski, Kristin Ketner, Magnus Krantz, Adam Weiner Fund Objective Seeks capital appreciation. Strategy The fund's subadviser, OppenheimerFunds, typically uses fundamental research in the selection of securities, which is comprised of both growth and value stocks. Oppenheimer uses a fundamental approach in analyzing issuers based on factors such as a company's financial performance, competitive strength, position in the industry, and strength of business model and management. Also in consideration is an industry's outlook, market trends and general economic conditions. Russell 2000 Morningstar Category (Peer Group) Small Blend, Variable Annuity Funds, USA Region TR Underlying Fund 6/1/1998 Date Added to Separate Account 8/31/1998 Gross Fund Expense 0.95 Net Fund Expense 0.95 MML Small Cap Equity Fund $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 MML Small Cap Equity Fund Russell Total Return 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Cap Equity Fund Russell Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Cap Equity Small Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown /15 Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small/Mid Cap Equity

81 Top 10 Holdings Pinnacle Foods, Inc. 2.48% Korn/Ferry International 2.19% STAG Industrial, Inc. 2.13% SYNNEX Corporation 2.02% KAR Auction Services, Inc. 2.01% WellCare Health Plans, Inc. 1.99% BankUnited, Inc. 1.97% Prestige Brands Holdings, Inc. 1.88% j2 Global Inc 1.85% BancorpSouth, Inc. 1.82% Total 20.34% MML Small Cap Equity Fund 80 of 113 Equity Fundamental Characteristics Fund Market Capitalization $2,417 $1,763 Price to Earnings Price to Book EPS Dividend Yield 1.93% 1.47% Hist 3Yr EPS Growth # of Securities 93 1,955 Consumer Discretionary Consumer Staples Energy Sector Weights MML Small Cap Equity Fund Russell 2000 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 14.17% 11.02% 12.85% 13.40% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology 14% 13.5% Materials Telecommunication Services Utilities 13% 12.5% 12% 11.5% 11% 10.5% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 10% 12.9% 13% 13.1% 13.2% 13.3% 13.4% 13.5% 13.6% Annualized Standard Deviation MML Small Cap Equity Fund Russell Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

82 81 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor Waddell & Reed Investment Management Company Wellington Management Company, LLP Portfolio Manager Waddell & Reed: Gilbert Scott; Wellington: Kenneth Abrams, Steven Angeli, Mario Abularach, Daniel Fitzpatrick, Stephen Mortimer Fund Objective Seeks long-term appreciation. Strategy The fund is managed by two subadvisers, Wellington and Waddell & Reed. Each subadviser employs a growth-based investment approach and uses a combination of fundamental and quantitative analyses to identify small-cap companies that it believes are experiencing or will experience rapid earnings or revenue growth. Russell 2000 Growth Morningstar Category (Peer Group) Small Growth, Variable Annuity Funds, USA Region TR Underlying Fund 5/3/1999 Date Added to Separate Account 5/3/1999 Gross Fund Expense 1.36 Net Fund Expense 1.36 MML Small Cap Growth Equity Fund $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 Growth of $10,000 MML Small Cap Growth Equity Fund Russell 2000 Growth - Total Return 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Cap Growth Equity Fund Russell 2000 Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Cap Growth Equity Small Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown /15 Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Cap Growth Equity

83 Top 10 Holdings Veeva Systems Inc Class A 1.59% Tyler Technologies, Inc. 1.59% LDR Holding Corporation 1.53% PRA Group Inc 1.44% Virtusa Corporation 1.42% Acadia Healthcare Company, Inc. 1.25% HubSpot, Inc. 1.19% Toro Company 1.18% DexCom, Inc. 1.14% ExamWorks Group, Inc. 1.14% Total 13.47% MML Small Cap Growth Equity Fund 82 of 113 Equity Fundamental Characteristics Fund Market Capitalization $2,510 $1,937 Price to Earnings Price to Book EPS Dividend Yield 0.76% 0.73% Hist 3Yr EPS Growth # of Securities 2,039 1,155 Consumer Discretionary Consumer Staples Energy Sector Weights MML Small Cap Growth Equity Fund Russell 2000 Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 13.31% 12.85% 13.76% 14.49% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology 13.3% 13.2% Materials Telecommunication Services Utilities 13.1% 13% 12.9% 12.8% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 12.7% 13.8% 14% 14.2% 14.4% 14.6% Annualized Standard Deviation MML Small Cap Growth Equity Fund Russell 2000 Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

84 83 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor T. Rowe Price Associates, Inc. Portfolio Manager J. David Wagner Fund Objective Seeks long-term capital appreciation. MML Small Company Value Fund $30,000 $25,000 $20,000 $15,000 $10,000 11/12 8/12 5/12 2/12 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 Growth of $10,000 MML Small Company Value Fund Russell 2000 Value - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 Strategy The fund's subadviser, T. Rowe Price, seeks to purchase stocks that do not appear to reflect their issuers underlying values as measured by assets, earnings, cash flow or business franchises. T. Rowe Price generally looks for some of the following: low price/earnings, price/book value, price/cash flow ratios, an above-average dividend yield, a plan to improve the business through restructuring, and a sound balance sheet. Russell 2000 Value Morningstar Category (Peer Group) Small Value, Variable Annuity Funds, USA Region TR Underlying Fund 2/27/2009 Date Added to Separate Account 5/1/2009 Gross Fund Expense 1.28 Net Fund Expense 1.23 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Company Value Fund Russell 2000 Value - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Company Value Small Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small Company Value

85 Top 10 Holdings Home BancShares, Inc. 2.41% ProAssurance Corporation 2.06% East West Bancorp, Inc. 1.70% Landstar System, Inc. 1.59% SYNNEX Corporation 1.55% West Pharmaceutical Services, Inc. 1.53% SVB Financial Group 1.50% Aaron's, Inc. 1.49% Southwest Gas Corporation 1.32% PNM Resources, Inc. 1.26% Total 16.41% MML Small Company Value Fund 84 of 113 Equity Fundamental Characteristics Fund Market Capitalization $2,001 $1,588 Price to Earnings Price to Book EPS Dividend Yield 1.61% 2.22% Hist 3Yr EPS Growth # of Securities 154 1,308 Consumer Discretionary Consumer Staples Energy Sector Weights MML Small Company Value Fund Russell 2000 Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 8.33% 9.18% 12.44% 12.85% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology 9.4% Materials Telecommunication Services Utilities 9.2% 9% 8.8% 8.6% 8.4% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 45.00% 50.00% 12.5% 12.6% 12.7% 12.8% 12.9% 13% Annualized Standard Deviation MML Small Company Value Fund Russell 2000 Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. Performance reflects share classes with 12(b)-1 fees from inception which reduces the funds performance. T. Rowe Price, Invest With Confidence, the Big Horn Sheep and the logo they compose are trademarks or registered trademarks of T. Rowe Price Group, Inc. in the U.S. and other countries.

86 85 of 113 Advisor MML Investment Advisers, LLC Sub-Advisor AllianceBernstein L.P. Portfolio Manager James MacGregor Fund Objective Seeks long-term total return. MML Small/Mid Cap Value Fund $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 11/11 8/11 5/11 2/11 11/10 8/10 5/10 2/10 11/09 8/09 5/09 2/09 11/08 8/08 5/08 2/08 11/07 8/07 5/07 2/07 11/06 8/06 5/06 Growth of $10,000 MML Small/Mid Cap Value Fund Russell 2500 Value - Total Return 8/15 5/15 2/15 11/14 8/14 5/14 2/14 11/13 8/13 5/13 2/13 11/12 8/12 5/12 2/12 Strategy The fund's subadviser, AllianceBernstein, seeks to identify companies whose ability to grow earnings over the long term does not appear to be reflected in their current market price. AllianceBernstein uses a proprietary quantitative tool to screen on various valuation and success factors then ranks those stocks by their expected returns. AllianceBernstein then conducts intensive fundamental research into the most attractive 20% of those stocks, constructing a portfolio on the basis of a stocks expected return on a risk-adjusted basis. Russell 2500 Value Morningstar Category (Peer Group) Small Value, Variable Annuity Funds, USA Region TR Underlying Fund 5/1/2006 Date Added to Separate Account 4/30/2003 Gross Fund Expense 1.04 Net Fund Expense 1.04 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small/Mid Cap Value Fund Russell 2500 Value - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small/Mid Cap Value Small Value, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR MML Small/Mid Cap Value

87 Top 10 Holdings StanCorp Financial Group, Inc. 1.66% Ingredion Incorporated 1.64% Avnet, Inc. 1.60% CDW Corp. 1.59% American Financial Group, Inc. 1.56% Big Lots, Inc. 1.56% CNO Financial Group, Inc. 1.54% Validus Holdings, Ltd. 1.53% First American Financial Corporation 1.53% Aspen Insurance Holdings Limited 1.52% Total 15.72% MML Small/Mid Cap Value Fund 86 of 113 Equity Fundamental Characteristics Fund Market Capitalization $3,792 $3,590 Price to Earnings Price to Book EPS Dividend Yield 1.54% 2.34% Hist 3Yr EPS Growth # of Securities 93 1,663 Consumer Discretionary Consumer Staples Energy Sector Weights MML Small/Mid Cap Value Fund Russell 2500 Value Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 13.79% 11.00% 12.30% 11.32% % 0.00% % % 36-months 36-months Financials Health Care Industrials Risk Reward Trailing 36-Months Information Technology Materials Telecommunication Services Utilities 13.5% 13% 12.5% 12% 11.5% 11% 10.5% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 45.00% 10% 11% 11.2% 11.4% 11.6% 11.8% 12% 12.2% Annualized Standard Deviation MML Small/Mid Cap Value Fund Russell 2500 Value - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

88 87 of 113 Advisor OppenheimerFunds, Inc. Sub-Advisor NA Portfolio Manager Michael Kotlarz Fund Objective Seeks capital appreciation. Oppenheimer Capital Appreciation Fund/VA $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 $4,000 Growth of $10,000 Oppenheimer Capital Appreciation Fund/VA Russell 1000 Growth - Total Return 10/11 7/11 4/11 1/11 10/10 7/10 4/10 1/10 10/09 7/09 4/09 1/09 10/08 7/08 4/08 1/08 10/07 7/07 4/07 1/07 10/06 7/06 4/06 7/15 4/15 1/15 10/14 7/14 4/14 1/14 10/13 7/13 4/13 1/13 10/12 7/12 4/12 1/12 Strategy The fund's adviser, Oppenheimer, seeks broad diversification across market sectors and industries investing in growth companies for reasonable prices that exhibit above-average growth potential, have sustainable growth rates, and have reasonable valuations. Russell 1000 Growth Morningstar Category (Peer Group) Large Growth, Variable Annuity Funds, USA Region TR Underlying Fund 5/12/2006 Date Added to Separate Account 8/31/1999 Gross Fund Expense 1.05 Net Fund Expense 1.05 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Capital Appreciation Fund Russell 1000 Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Capital Appreciation Large Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Capital Appreciation

89 Top 10 Holdings Facebook, Inc. Class A 5.50% Allergan plc 4.36% LinkedIn Corporation Class A 4.12% Gilead Sciences, Inc. 3.98% Biogen Inc. 3.96% Visa Inc. Class A 3.41% MasterCard Incorporated Class A 3.41% Oracle Corporation 3.02% Apple Inc. 2.97% PayPal Holdings Inc 2.94% Total 37.67% Oppenheimer Capital Appreciation Fund/VA 88 of 113 Equity Fundamental Characteristics Fund Market Capitalization $103,643 $119,727 Price to Earnings Price to Book EPS Dividend Yield 0.79% 1.59% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights Oppenheimer Capital Appreciation Fund/VA Russell 1000 Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 12.01% 13.61% 10.78% 9.99% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology 14% Risk Reward Trailing 36-Months Materials Telecommunication Services Utilities 13.5% 13% 12.5% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 45.00% 12% 9.8% 10% 10.2% 10.4% 10.6% 10.8% Annualized Standard Deviation Oppenheimer Capital Appreciation Fund/VA Russell 1000 Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

90 89 of 113 Advisor OppenheimerFunds, Inc. Sub-Advisor NA Portfolio Manager Ronald Zibelli, Jr. Fund Objective Seeks capital appreciation. Oppenheimer Discovery Mid Cap Growth Fund/VA $30,000 $25,000 $20,000 $15,000 $10,000 $5,000 Growth of $10,000 Oppenheimer Discovery Mid Cap Growth Fund/VA Russell Midcap Growth - Total Return 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/15 Strategy The fund's adviser, Oppenheimer, looks for companies that have a high growth potential using a bottom-up selection process. The fundamental analysis includes a focus on financial statements, management structure, operations, product development and industry position. The manager focuses on high-growth companies that are characterized by industry leadership, market share growth, high caliber management teams, sustainable competitive advantages, and strong growth themes or new innovative products or services. Russell Midcap Growth Morningstar Category (Peer Group) Mid-Cap Growth, Variable Annuity Funds, USA Region TR Underlying Fund 8/15/1986 Date Added to Separate Account 8/31/1999 Gross Fund Expense 1.08 Net Fund Expense 1.05 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Discovery Mid Cap Growth Fund/VA Russell Midcap Growth - Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Discovery Mid Cap Growth Mid-Cap Growth, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Small- & Mid-Cap Growth

91 Oppenheimer Discovery Mid Cap Growth Fund/VA Top 10 Holdings OPPENHEIMER INST MONEY MK-E 4.01% O'Reilly Automotive, Inc. 2.40% Acuity Brands, Inc. 1.81% Ulta Salon, Cosmetics & Fragrance, Inc. 1.77% Under Armour, Inc. Class A 1.75% Westinghouse Air Brake Technologies Corpora % Palo Alto Networks, Inc. 1.68% Constellation Brands, Inc. Class A 1.66% Snap-on Incorporated 1.66% Domino's Pizza, Inc. 1.61% Total 20.06% 90 of 113 Equity Fundamental Characteristics Fund Market Capitalization $12,617 $12,534 Price to Earnings Price to Book EPS Dividend Yield 0.45% 1.11% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights Oppenheimer Discovery Mid Cap Growth Fund/VA Russell Midcap Growth Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 12.67% 13.98% 12.50% 10.93% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology Materials Telecommunication Services Utilities Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 14.4% 14.2% 14% 13.8% 13.6% 13.4% 13.2% 13% 12.8% 12.6% Risk Reward Trailing 36-Months 10.5% 11% 11.5% 12% 12.5% Annualized Standard Deviation Oppenheimer Discovery Mid Cap Growth Fund/VA Russell Midcap Growth - Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

92 91 of 113 Advisor OFI Global Asset Management, Inc. Sub-Advisor OFI Global Asset Management, Inc. Cornerstone Real Estate Advisors LLC OFI SteelPath, Inc. Portfolio Manager Mark Hamilton, Dokyoung Lee, Ben Rockmuller, David Wharmby, Brian Watson Oppenheimer Global Multi-Alternatives Fund $10,900 $10,800 $10,700 $10,600 $10,500 $10,400 $10,300 $10,200 $10,100 $10,000 12/13 Growth of $10,000 Oppenheimer Global Multi-Alternatives Fund Barclays US Treasury - Bills (1-3 M) 3/14 6/14 9/14 12/14 3/15 6/15 9/15 Fund Objective Seeks total return. Strategy The fund's adviser, Oppenheimer, seeks to create a well-diversified alternatives portfolio by allocating assets across several underlying strategies. By allocating across a wide range of asset classes, this strategy seeks to provide a blend of benefits such as inflation protection and diversification. This strategy invests in alternative (non-traditional) asset classes and investment strategies, including but not limited to: commodities, gold and other precious metals and minerals, real estate, master limited partnerships, foreign currency and event linked securities. Barclays US Treasury - Bills (1-3 M) Morningstar Category (Peer Group) Multialternative, Variable Annuity Funds, USA Region TR Underlying Fund 11/14/2013 Date Added to Separate Account 5/1/2014 Gross Fund Expense 1.70 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Global Multi- Alternative Fund Barclays US Treasury - Bills (1-3 M) Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Global Mutli- Alternative Fund Multialternative, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Net Fund Expense 1.45 Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Diversified Alternative

93 Oppenheimer Global Multi-Alternatives Fund 92 of 113 Modern Portfolio Theory Risk Statistics Fund Risk Reward Trailing 21 - Months 1.73% 0.02% 1.5% Standard Deviation Beta Alpha Sharpe Ratio 4.79% 0.01% % 0.00% % 0.5% 0% R-Squared # Observations 0.47% % 21-months 21-months -0.5% -1% 0% 1% 2% 3% 4% 5% Annualized Standard Deviation Oppenheimer Global Multi-Alternatives Fund Barclays US Treasury - Bills (1-3 M) Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market.

94 93 of 113 Advisor OppenheimerFunds, Inc. Sub-Advisor NA Portfolio Manager Mani Govil, Benjamin Ram Fund Objective Seeks capital appreciation. Oppenheimer Main Street Fund/VA $24,000 $22,000 $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 9/09 6/09 3/09 12/08 9/08 6/08 3/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 9/04 6/04 3/04 12/03 9/03 6/03 3/03 12/02 9/02 6/02 3/02 12/01 9/01 6/01 Growth of $10,000 Oppenheimer Main Street Fund/VA S&P Total Return 6/15 3/15 12/14 9/14 6/14 3/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 12/10 9/10 6/10 3/10 12/09 9/15 Strategy The fund's adviser, Oppenheimer, invests in companies based on in-depth fundamental research, supported by quantitative screening. The portfolio is comprised of stocks that are attractively priced relative to a company's underlying prospects. The screening uses a stock scoring model to rank stocks based on expectation of alpha while fundamental research focuses on industry competitive analysis, position in the value chain, barriers to entry and regulatory changes. S&P 500 Morningstar Category (Peer Group) Large Blend, Variable Annuity Funds, USA Region TR Underlying Fund 7/5/1995 Date Added to Separate Account 8/31/1999 Gross Fund Expense 1.02 Net Fund Expense 1.02 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Main Street Fund S&P Total Return Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Main Street Large Blend, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR Oppenheimer Main Street

95 Top 10 Holdings Apple Inc. 4.96% Google Inc. Cl C 4.72% Citigroup Inc. 3.64% Mondelez International, Inc. Class A 3.46% CME Group Inc. Class A 3.01% Philip Morris International Inc. 2.92% General Electric Company 2.90% PepsiCo, Inc. 2.54% Chevron Corporation 2.33% PG&E Corporation 2.31% Total 32.79% Oppenheimer Main Street Fund/VA 94 of 113 Equity Fundamental Characteristics Fund Market Capitalization $126,333 $123,466 Price to Earnings Price to Book EPS Dividend Yield 2.00% 2.21% Hist 3Yr EPS Growth # of Securities Consumer Discretionary Consumer Staples Energy Sector Weights Oppenheimer Main Street Fund/VA S&P 500 Standard Deviation Beta Alpha Sharpe Ratio R-Squared # Observations Modern Portfolio Theory Risk Statistics Fund 11.71% 12.40% 9.95% 9.61% % 0.00% % % 36-months 36-months Financials Health Care Industrials Information Technology Materials Telecommunication Services Utilities Risk Reward Trailing 36-Months 12.6% 12.4% 12.2% 12% 11.8% Cash.00% 5.00% 10.00% 15.00% 20.00% 25.00% 9.5% 9.55% 9.6% 9.65% 9.7% 9.75% 9.8% 9.85% 9.9% 9.95% Annualized Standard Deviation Oppenheimer Main Street Fund/VA S&P Total Return Disclosures Performance numbers for periods that pre-date the contract's availability are hypothetical and are calculated based on the date shown, which was the date the fund was originally made available to the Separate Account. * Market Indices have been provided for informational purposes only; they are unmanaged and reflect no fees or expenses of the product. Individuals cannot invest directly in an index. Percentages are based on dollar-weighted values of invested assets. Holdings are subject to change. Investing involves risk, including the loss of principal. Each investment choice underlying the variable annuity contract has broad risks that apply to all investment choices, such as market risk, as well as specific risks inherent in particular types of investment choices that may subject your variable annuity contract to greater risk and volatility than the general market. The fund established a new class of shares, which is available with this contract, after it began its initial investment operations. The performance for the period prior to offering the new class shows the historical returns for the original class of shares, which were not subject to a 12b-1 fee. The performance shown from the inception date of the class available with this contract includes the fees and expenses of that share class, including a 12b-1 fee. A 12b-1 fee reduces a funds performance.

96 95 of 113 Advisor Pacific Investment Management Company LLC Sub-Advisor NA Portfolio Manager Mihir Worah, Nicholas J. Johnson, Jeremie Banet Fund Objective Seeks maximum real return consistent with prudent investment management. Strategy The portfolio is non-diversified, investing in a fewer number of securities and may concentrate in particular sectors of the index. The portfolio's adviser, PIMCO, seeks to gain exposure to the commodity markets through investments in commodity index-linked notes, with their principal and/or coupon payments linked to the performance of commodity indices. Dow Jones-UBS Commodity Index (TR) Morningstar Category (Peer Group) Commodities Broad Basket, Variable Annuity Funds, USA Region TR Underlying Fund 6/30/2004 Date Added to Separate Account 4/30/2006 Gross Fund Expense 1.16 Net Fund Expense 1.03 PIMCO CommodityRealReturn Strategy $20,000 $18,000 $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 Growth of $10,000 PIMCO CommodityRealReturn Strategy Dow Jones-UBS Commodity Index (TR) 12/10 6/10 9/10 3/10 12/09 6/09 9/09 3/09 12/08 9/08 3/08 6/08 12/07 9/07 6/07 3/07 12/06 9/06 6/06 3/06 12/05 9/05 6/05 3/05 12/04 6/04 9/04 6/15 3/15 12/14 9/14 3/14 6/14 12/13 9/13 6/13 3/13 12/12 9/12 6/12 3/12 12/11 9/11 6/11 3/11 Underlying Fund Average Annual Total Returns Reflects the deduction of total fund operating expenses, including any 12b-1fees. These returns do not reflect product charges. Fund Name / QTD YTD 1 YR 3 YR 5 YR 10 YR PIMCO CommodityRealReturn Strategy Portfolio Dow Jones-UBS Commodity Index (TR) Sub-Account Average Annual Total Returns Reflects total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%) and all fund level expenses, including any 12b-1 fees. These returns do not reflect the charges for any optional contract features, contingent deferred sales charges, the annual maintenance charge, or premium taxes. Their inclusion would reduce the returns shown. Sub-Account / Morningstar Category QTD YTD 1 YR 3 YR 5 YR 10 YR PIMCO CommodityRealReturn Strategy Commodities Broad Basket, Variable Annuity Funds Sub-Account Standardized Average Annual Returns These are SEC required returns since the date the fund was first made available to the separate account and are calculated on a calendar quarter basis. The returns assume a single $1,000 payment made at the beginning of the period and full surrender at the end. Standardized Total Returns reflect: total separate account expenses of 1.15% (Average Annual Total Returns prior to September 1, 2006 reflect separate account expenses of 1.25%), Total fund operating expenses including any 12b-1 fees, Annual maintenance charge (contract level charges) of $40.00, Contingent Deferred Sales Charges (CDSC) - Contract Year: 1) 7%, 2) 7%, 3) 7%, 4) 6%, 5) 5%, 6) 4%, 7) 3%, 8+) 0% These returns do not reflect the charges for any optional contract features or premium taxes, if any. Their inclusion would reduce the returns shown. Sub Account QTD YTD 1 YR 3 YR 5 YR 10 YR PIMCO CommodityRealReturn Strategy /15