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Principal value and investment return will fluctuate so that an investor s shares when redeemed may be worth more or less than the original investment Investment portfolio statistics change over time The investment is not FDIC insured may lose value and is not guaranteed by a bank or other financial institution Pre inception Returns The separate investment account (SIA) inception date listed is that of this SIA s share class Other share classes of the SIA may have existed longer Performance shown is the actual performance of the SIA since the inception date noted Performance shown prior to the inception date given may include one or both of the following 1 The oldest share class of the SIA or its underlying mutual fund (depending upon the investment) adjusted for fees and expenses of the newer share class up to the date of inception of the newer share class If the adjustment would result in better performance for the newer share class than that of the oldest share class (due to lower expenses of the newer share class) then performance shown represents that of the oldest share class without any adjustment up to the date of inception of the newer share class The fees and expenses are referenced in the report s Operations section While the inclusion of this pre inception data may provide valuable insight into the probable long term behavior of newer share classes of an investment investors should be aware that an adjusted historical return can only provide an approximation of that behavior For example the fee structures between a retail share class will vary from that of an institutional share class as retail shares tend to have higher operating expenses and sales charges These adjusted historical returns are not actual returns Calculation methodologies utilized by Morningstar may differ from those applied by other entities including the investment itself 2 A composite of all portfolios managed by the option's sub advisor or sub advisors with substantially similar investment objectives policies and investment strategies and without significant client imposed restrictions adjusted for the fees and expenses of the share class for this option Such performance does not represent the actual historical performance of the option or predict its future performance Performance Fund Return reflects performance without adjusting for sales charges or the effects of taxation but is adjusted to reflect all actual ongoing fund expenses and assumes reinvestment of dividends and capital gains If adjusted sales charges would reduce the performance quoted In addition due to market volatility the investment s return may vary greatly over short periods of time The investment's performance is compared with that of an index The index is an unmanaged portfolio of specified securities and does not reflect any initial or ongoing expenses nor can it be invested in directly An investment s portfolio may differ significantly from the securities in the index Morningstar chooses the index which may not be the same as the comparative index noted in the prospectus Morningstar Proprietary Statistics Please note that some Morningstar proprietary calculations including the Morningstar Rating Morningstar Return and Morningstar Risk may be calculated based on pre inception returns Therefore Morningstar s three year minimum performance history requirement for Morningstar Rating Morningstar Return and Morningstar Risk may be satisfied using pre inception returns and the Morningstar Rating Morningstar Return and Morningstar Risk may be based at least in part on pre inception returns Please see the pre inception returns disclosure (above) for more details Morningstar Rating For each investment with at least a three year history Morningstar calculates a Morningstar Rating based on a Morningstar Risk Adjusted Return measure as of the date indicated that accounts for variation in an investment's monthly performance (including the effects of sales charges loads and redemption fees) placing more emphasis on downward variations and rewarding consistent performance The top 10% of investments in each category receive 5 stars the next 22 5% rece ve 4 stars the next 35% receive 3 stars the next 22 5% rece ve 2 stars and the bottom 10% receive 1 star (Each share class is counted as a fraction of one investment within this scale and rated separately which may cause slight variations in the distribution percentages ) The Overall Morningstar Rating for an investment is derived from a weighted average of the performance figures associated with its three five and ten year (if applicable) Morningstar Rating metrics For more information please see Morningstar Proprietary Statistics (above) Morningstar Style Box The Morningstar Style Box reveals an investment's investment strategy For equity investments and fixed income investments respect vely the vertical axis shows the market capitalization of the stocks owned or the average credit quality of the bonds owned The horizontal axis shows investment style (value blend or growth) or interest rate sensitivity as measured by a bond's duration (short intermediate or long) Duration is a measure of interest rate sensitivity the longer an investment's duration the more sensitive the investment is to shifts in interest rates Morningstar Return This statistic is a measurement of an investment's excess return over a risk free rate (the return of the 90 day Treasury bill) after adjusting for all applicable loads and sales charges In each Morningstar Category the top 10% of investments earn a High Morningstar Return the next 22 5% Above Average the middle 35% Average the next 22 5% Below Average and the bottom 10% Low Morningstar Return is measured for up to three time periods (three five and 10 years) These separate measures are then weighted and averaged to produce an overall measure for the investment Investments with less than three years of performance history are not rated For more information please see Morningstar Proprietary Statistics (above) Morningstar Risk This statistic evaluates the variations in an investment's monthly returns with an emphasis on downside variations In each Morningstar Category the 10% of investments with the lowest measured risk are described as Low Risk the next 22 5% Below Average the middle 35% Average the next 22 5% Above Average and the top 10% High Morningstar Risk is measured for up to three time periods (three five and 10 years) These separate measures are then weighted and averaged to produce an overall measure for the investment Investments with less than three years of performance history are not rated For more information please see Morningstar Proprietary Statistics (above) Investment Risk Foreign Securities Investments/Emerging Market Investments The investor should note that investments that invest in foreign securities involve special additional risks These risks include but are not limited to currency risk political risk and risk associated with varying accounting standards Investing in emerging markets may accentuate these risks Sector Investments Sector investments may experience greater short term price volatility than more diversified investments and are most suitable for use in the aggressive portion of an investment portfolio Non Diversified Investments The investor should note that investments that invest more of their assets in a single issuer involve additional risks including share price fluctuations because of the increased concentration of investments Small Cap Investments Investments in companies with small market capitalization ( small caps ) may be subject to special risks given their characteristic narrow markets limited financial resources and less liquid stocks all which may cause price volatility Mid Cap Investments The investor should note that investments that invest in companies with market capitalizations below $10 billion involve additional risks The securities of these companies may be more volatile and less liquid than the securities of larger companies High Yield Bond Investments These investments are high yield bond investments subject to greater credit risks than high quality bond investments As interest rates rise bond prices fall As such this investment s share value may decline substantially and it is possible to lose a significant portion of your principal when interest rates rise Money Market The investor should note an investment in a money market investment is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency.