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*The Fund implemented changes to its principal investment strategies on May 1, 2013. As such, the name, principal investment strategies and portfolio managers of the Fund were revised.
The Funds are only available as an option under various insurance contracts issued by life insurance and annuity companies. These contracts offer life and tax benefits to the beneficial owners of the Fund. The insurance or annuity company charges, fees and expenses for these benefits are not included in Fund performance. A review of the particular life and/or annuity contract will provide you with much greater detail regarding these costs and benefits.
The Funds are not available directly to the general public. For more complete information on variable life/annuity products, including all charges and expenses, please obtain a prospectus from a licensed insurance agent/registered representative. The prospectus includes information about the investment objective, risks and charges and expenses. Please read the prospectus carefully before investing. Bonds and bond funds will decrease in value as interest rates rise.
Not FDIC Insured — No Bank Guarantee — May Lose Value
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