SELECTOR® Aggressive Growth - Objective: Primary objective is to maximize capital growth for investors who have a long-term investment horizon and require no income from their investment. This management style may invest in domestic and international equities, domestic and international bonds, sector funds, leveraged funds and money market funds. Portfolio allocations will include several funds/sub-accounts representing various asset classes. Portfolios may be significantly over-weighted into specified asset classes. Equities will comprise 60-120% of the portfolio, including the impact of leveraged funds, in SELECTOR® Aggressive Growth allocations.

SELECTOR® II Aggressive Growth - Same as Selector Aggressive Growth.

SELECTOR® Growth - Objective: Primary objective is to obtain capital growth for investors who have a long-term investment horizon and require little or no income from the investment. This management style may invest in domestic and international equities, domestic and international bonds, sector funds, leveraged funds and money market funds. Portfolio allocations will include several funds/sub-accounts representing various asset classes. Equities will comprise 40-100% of the portfolio in SELECTOR® Growth allocations.

SELECTOR® II Growth - Same as Selector Growth.

SELECTOR® Conservative Growth - Objective: Primary objective is to obtain moderate capital growth for investors who have an intermediate-term to long-term investment horizon and may require minimal income from the investment. This management style may invest in domestic and international equities, domestic and diversified international bonds, sector funds and money market funds. Portfolio allocations will include several funds/sub-accounts representing various asset classes. Bonds will comprise 20-80%, and equities will comprise 20-80% of the portfolio in SELECTOR® Conservative Growth allocations.

SELECTOR® II Conservative Growth - Same as Selector Conservative Growth.

SELECTOR® Balanced Growth - Objective: Primary objective is to obtain moderate capital growth for investors who have an intermediate-term to long-term investment horizon and may require minimal to moderate income from the investment. This management style may invest in domestic and international equities, domestic and international bonds, sector funds and money market funds. Portfolio allocations will include several funds/sub-accounts representing various asset classes. Bonds will comprise 40-80%, and equities will comprise 20-60% of the portfolio in SELECTOR® Balanced Growth allocations.

SELECTOR® II Balanced Growth - Same as Selector Balanced Growth.

SELECTOR® Income & Growth - Objective: Primary objective is to obtain moderate income for investors who have an intermediate-term to long-term investment horizon and may require minimal to moderate growth from the investment. This management style may invest in domestic bonds, domestic equities, and money market funds. Portfolio allocations will include several funds/sub-accounts representing various asset classes. Bonds will comprise 60-100%, and equities will comprise 0-40% of the portfolio in SELECTOR® Income & Growth.