  Let $R$ be a commutative ring with identity, and let $Z(R)$ be the set of
zero-divisors of $R$. The annihilator graph of $R$ is defined as the undirected
graph $AG(R)$ with the vertex set $Z(R)^*=Z(R)\setminus\{0\}$, and two distinct
vertices $x$ and $y$ are adjacent if and only if $ann_R(xy)\neq ann_R(x)\cup
ann_R(y)$. In this paper, all rings whose annihilator graphs can be embed on
the plane or torus are classified.
