M&E/Admin Fees assume current, not maximum, charges. Maximum charges would result in higher total fees and lower annuity value for both the Ameritas No-Load Variable Annuity and Industry Average annuity.

*Based on Morningstar Annuity Research Center 2009 Industry Expense Averages. Weighted Fund Expense Average uses an asset weighted calculation of contract fund expenses (i.e. Total Fund Expense Average - TFEA). © Copyright 2010 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.

** Weighted Average fund expense assumes a Fund Management fee (total fund operating expense including investment management fee and other fund expenses) based on the ratio of each of the subaccounts assets including the fixed account to all portfolios as of December 31, 2009.

*** Higher annual reates of return generally result in greater risk of loss of principal.