Portfolio Changes. Important Notice:

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1 Changes Important Notice: Effective September 25, 2015, Capital Growth underwent a change of name, subadviser, strategy, asset category, benchmark and total annual operating expenses: 1 Ohio National Fund, Inc. s Capital Growth became the ClearBridge Small Cap. The subadviser for the changed from Eagle Asset Management, Inc. to ClearBridge, LLC. The s investment objective and principal strategy changed to the following: Seeks long-term capital appreciation by normally investing at least 80 percent of its assets in common stocks and other equity securities of small capitalization companies or in other investments that have similar economic characteristics. Small cap companies are those whose market capitalization, at time of purchase, does not exceed the highest month-end market capitalization value of any stock in the Russell 2000 Index for the previous 12 months. Investments may include equity securities of companies that are considered to be "special situations." May also invest in foreign securities. The asset category for the changed from Small Cap Growth to Small Cap Blend. The Eagle Asset Management logo was removed. Additional Updates: Fidelity VIP Target Volatility s adviser is Fidelity Management & Research Company (FMR) (pg. 2) Franklin VolSmart Allocation VIP Fund s adviser is Franklin Advisers, Inc. (pg. 2) The inception date for ClearBridge Variable Dividend Strategy is 4/27/07 (pg. 6) (Continued on next page) [Type text]

2 The following portfolios changed asset categories: 2,3 o Jennison Associates LLC s Capital Appreciation from Multi-Cap to Large Cap Blend (pg. 13) o Legg Mason Partners Variable Equity Trust s ClearBridge Variable Dividend Strategy from Large Cap Value to Large Cap Blend (pg. 6) o Legg Mason Partners Variable Equity Trust s ClearBridge Variable Large Cap Value from Large Cap Value to Large Cap Blend (pg. 6) o Fidelity Variable Insurance Products Fidelity VIP Mid Cap from Mid Cap Growth to Mid Cap Blend (pg. 9) o Invesco Variable Insurance Funds Invesco V.I. International Growth Fund (Large Cap) from International/Global Growth to International/Global Blend (pg. 11) o JPMorgan Insurance Trust s JPMorgan Insurance Trust Mid Cap Value from Mid Cap Value to Mid Cap Blend (pg. 9) o Lazard Retirement Series, Inc. s Lazard Retirement Emerging Markets Equity (Large Cap) from International/Global Blend to International/Global Value (pg. 11) o Lazard Retirement Series, Inc. s Lazard Retirement U.S. Small-Mid Cap Equity from Small Cap Blend to Small Cap Growth (pg. 10) o Royce Capital Fund s Royce Small-Cap from Small Cap Blend to Small Cap Value (pg. 10) 1 See the Ohio National Fund prospectus for more detailed information. 2 The asset class shown for the is as of 8/15/15. Please visit ohionational.com/fundinfo to view the current portfolio profile. 3 Over time, a portfolio s current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions Rev

3 Investment Options NOT A DEPOSIT NOT FDIC INSURED NOT INSURED BY ANY GOVERNMENT AGENCY NOT GUARANTEED BY ANY BANK MAY LOSE VALUE

4 Investment Options AB Variable Products Series Fund, Inc. AB VPS Dynamic Asset Allocation...2 AB VPS Global Risk Allocation-Moderate...2 ClearBridge LLCs Equity...7 Dreyfus Variable Investment Fund (Subadvised by Fayez Sarofim & Co.) Appreciation...6 Eagle Asset Management, Inc. s Capital Growth...10 Federated Equity Management Company of PA s Strategic Value...6 Federated Global Investment Management Corp. s International...11 International Small-Mid Company...11 Federated Insurance Series Federated Kaufmann Fund II...9 Federated Managed Tail Risk Fund II...2 Federated Managed Volatility Fund II...2 Federated Investment Management Company s High Income Bond...12 Fidelity Variable Insurance Products Fidelity VIP Contrafund...7 Fidelity VIP Equity-Income...6 Fidelity VIP Growth...8 Fidelity VIP Mid Cap...9 Fidelity VIP Real Estate...5 Fidelity VIP Target Volatility...2 First Trust Advisors L.P. s Target VIP...7 Franklin Templeton Variable Insurance Products Trust Franklin Flex Cap Growth VIP Fund...8 Franklin Founding Funds Allocation VIP Fund...6 Franklin Income VIP Fund...6 Franklin VolSmart Allocation VIP Fund...2 Templeton Foreign VIP Fund Goldman Sachs Asset Management L.P. s Mid Cap Opportunity...9 Goldman Sachs Variable Insurance Trust Goldman Sachs VIT Global Trends Allocation Fund...3 Goldman Sachs VIT Large Cap Value Fund...6 Goldman Sachs VIT Strategic Growth Fund...8 Goldman Sachs VIT U.S. Equity Insights Fund...7 ICON Advisers, Inc. s Balanced...2 Invesco Variable Insurance Funds Invesco V.I. Balanced-Risk Allocation Fund...3 Invesco V.I. International Growth Fund Ivy Funds Variable Insurance s Ivy Funds VIP Asset Strategy...8 Ivy Funds VIP Global Natural Resources...5 Ivy Funds VIP Science and Technology...5 JPMorgan Insurance Trust JPMorgan Insurance Trust Mid Cap Value...9 JPMorgan Insurance Trust Small Cap Core...10 Janus Aspen Series Balanced...7 Flexible Bond...12 Global Research...11 INTECH U.S. Low Volatility...3 s Subadviser to Ohio National Investments, Inc. for portfolio of Ohio National Fund, Inc. Janus...8 Overseas...11 Janus Capital Management LLC s Aggressive Growth...7 Risk Managed Balanced...3 Small Cap Growth...10 Jennison Associates LLC s Capital Appreciation...13 Lazard Retirement Series, Inc. Lazard Retirement Emerging Markets Equity Lazard Retirement Global Dynamic Multi Asset...3 Lazard Retirement International Equity Lazard Retirement U.S. Small-Mid Cap Equity...10 Lazard Retirement U.S. Strategic Equity...7 Legg Mason Partners Variable Equity Trust ClearBridge Variable Dividend Strategy...6 ClearBridge Variable Large Cap Value...6 QS Legg Mason Dynamic Multi-Strategy VIT...3 Legg Mason Partners Variable Income Trust Western Asset Core Plus VIT...13 MFS Variable Insurance Trust MFS Mid Cap Growth Series...9 MFS New Discovery Series...10 MFS Total Return Series...7 MFS Variable Insurance Trust II MFS Massachusetts Investors Growth Stock...8 Morgan Stanley The Universal Institutional Funds, Inc. Morgan Stanley UIF Core Plus Fixed Income...12 Morgan Stanley UIF Growth...8 Morgan Stanley UIF U.S. Real Estate...5 Neuberger Berman Advisers Management Trust AMT Mid Cap Intrinsic Value...9 Northern Lights Variable Trust TOPS Managed Risk Balanced ETF...4 TOPS Managed Risk Growth ETF...4 TOPS Managed Risk Moderate Growth ETF...4 Ohio National Fund, Inc. Bond...12 Money Market...13 Nasdaq-100 Index...5 S&P 500 Index...5 PIMCO Variable Insurance Trust PIMCO CommodityRealReturn Strategy...5 PIMCO Global Bond (Unhedged)...12 PIMCO Global Diversified Allocation...3 PIMCO Low Duration...12 PIMCO Real Return...12 PIMCO Short-Term...12 PIMCO Total Return...12 Royce Capital Fund Royce Micro-Cap...10 Royce Small-Cap...10 Suffolk Capital Management LLC s Bristol Growth...7 Bristol...6 Bryton Growth...10 Omni...7 The Prudential Series Fund, Inc. Jennison...8 Jennison 20/20 Focus...8

5 Options With the right asset allocation strategy, your ONcore variable annuity can help you grow your retirement assets. Proper asset allocation may help spur potential long-term growth, as well as diffuse volatility to help prevent large swings in your variable annuity Contract Value. Over 85 portfolio options, presented by asset class on the following pages, are available within your ONcore variable annuity. These include innovative new Managed Volatility s (MVPs) and a broad selection of portfolios from well-known asset managers. 1

6 Asset Allocation/Managed Volatility s (MVPs) AB VPS Dynamic Asset Allocation Adviser: AllianceBernstein L.P. INCEPTION DATE: 04/01/11 AB VPS Global Risk Allocation-Moderate Adviser: AllianceBernstein L.P. INCEPTION DATE: 04/27/15 Balanced Subadviser: ICON Advisers, Inc. INCEPTION DATE: 05/01/04 Federated Managed Tail Risk Fund II Advisers: Federated Global Investment Management Corp., Federated Investment Management Company and Federated Equity Management Company of PA INCEPTION DATE: 06/19/00 Current Strategy INCEPTION DATE: 2/15/13 Federated Managed Volatility Fund II Advisers: Federated Global Investment Management Corp., Federated Investment Management Company and Federated Equity Management Company of PA INCEPTION DATE: 02/10/94 Current Strategy INCEPTION DATE: 12/2/11 Fidelity VIP Target Volatility Adviser: Strategic Advisers, Inc. INCEPTION DATE: 02/13/13 Franklin VolSmart Allocation VIP Fund Adviser: Franklin Alternative Strategies Advisers LLC INCEPTION DATE: 04/16/12 Managed Volatility (MVP) Seeks to maximize total return consistent with the adviser s determination of reasonable risk. The seeks to moderate overall volatility and limit extreme outcomes in times of market stress without sacrificing long-term growth potential. Invests in a mix of global equities, fixed income, opportunistic assets, currencies and cash to provide broad diversification in a single portfolio. AB seeks to control volatility and capture potential return opportunities by dynamically adjusting investments and asset class exposures based on a 1, 5, 8, 9, 10, 11, 12, 14, 15, 16, 40 fundamental and quantitative assessment of expected risk and return. Managed Volatility (MVP) Seeks long term growth of capital while seeking to minimize exposure to downside events. The dynamically invests across a number of global asset classes including equity/credit and fixed income instruments. The uses a proprietary riskbased asset allocation framework that seeks to provide investors with a favorable long-term total return while seeking to limit volatility and portfolio drawdowns. Assets are allocated among asset classes so that growth (equity/credit) assets will contribute the majority (85 percent) to the expected risk of the. AB makes frequent adjustments to asset class exposures based on these forward risk determinations. The has an imbedded market risk hedging strategy to reduce the likelihood 1, 5, 8, 9, 14, 16, 18, 21, 24, 25, 26 of shocks not manageable through asset allocation changes. Managed Volatility (MVP) Seeks capital appreciation and income by investing primarily in a balanced portfolio of U.S. and foreign common stocks, government securities, and a variety of fixed income obligations. ICON uses a disciplined, objective, non-emotional methodology to invest up to 75 percent of the s total assets in equity securities of companies of any market capitalization normally and a minimum of 25 percent of total assets in fixed income securities, both in sectors and industries that it believes are underpriced. To manage the risk of holding equity securities, or for investment purposes, the may write call options or purchase puts on the securities in the 1, 5, 9, 10, 11, 12, 14, 21, 26, 27, 34, 39, 40 or indexes. Managed Volatility (MVP) The Fund seeks to achieve a diversified mix of investment exposure to various asset classes by investing in various affiliated and unaffiliated underlying mutual funds, ETFs and other affiliated funds that are not offered to the public. In implementing this strategy, the adviser employs an asset allocation model to structure the across multiple underlying portfolios selected based on the interplay of their return and risk profiles. Additionally, in an attempt to limit downside risk, a volatility overlay strategy will be selectively employed during periods of historically high volatility, as measured by various market volatility 16, 26, 37 measures such as the CBOE Volatility Index. Managed Volatility (MVP) Seeks to achieve high current income and moderate capital appreciation by investing in both equity and fixed income securities that have high income potential. The invests in high yielding stocks of undervalued mid- to large-cap companies that are likely to maintain and increase their dividends. Also invests in diversified bond sectors that include U.S. government, investment grade corporate and mortgage-backed, high-yield corporate, and international developed and emerging markets. Balances income opportunities and risk across markets and sectors through active management. Will use derivative contracts, including stock index 12, 21, 27 futures, to target an annualized volatility level for the Fund of approximately 10 percent. Managed Volatility (MVP) Seeks total return. This is a fund-of-funds that invests in Fidelity mutual funds, ETFs and futures, and is implemented through a disciplined and integrated investment process. It seeks volatility of 10 percent in order to achieve a smoother return profile. The has a strategic allocation of 60 percent equities, 35 percent fixed income and 5 percent cash. The manager uses a blended benchmark as a guide to structure and allocate the. The manager also has the flexibility to invest in extended 9, 10, 12, 42, 45 asset classes (e.g., high yield and emerging markets). Managed Volatility (MVP) Seeks total return (including income and capital gains) while striving to manage volatility. Under normal market conditions, the Fund seeks to achieve its investment goal by using an asset allocation strategy to diversify the Fund's portfolio across certain asset classes (principally U.S. equity and fixed income securities) and sectors while seeking to manage the expected volatility of the Fund s returns so that it does not exceed a target of 10 percent per year ( Target Volatility ). The Fund employs a tail risk protection strategy using one or more swaps to provide a hedge against tail risk that may allow the Fund to experience a benefit during negative 16, 23, 25, 26, 27, 34, 40 market events. 2

7 Asset Allocation/Managed Volatility s (MVPs) Goldman Sachs VIT Global Trends Allocation Fund Adviser: Goldman Sachs Asset Management L.P. INCEPTION DATE: 04/16/12 INTECH U.S. Low Volatility Adviser: Janus Capital Management LLC Subadviser: INTECH Investment Management LLC INCEPTION DATE: 09/06/12 Invesco V.I. Balanced-Risk Allocation Fund Adviser: Invesco Advisers, Inc. INCEPTION DATE: 01/23/09 Lazard Retirement Global Dynamic Multi Asset Adviser: Lazard Asset Management LLC INCEPTION DATE: 04/30/12 QS Legg Mason Dynamic Multi-Strategy VIT Adviser: Legg Mason Partners Fund Advisor LLC Subadvisers: QS Legg Mason Global Asset Allocation LLC and Western Asset Management Company INCEPTION DATE: 11/30/11 PIMCO Global Diversified Allocation Adviser: Pacific Investment Management Company LLC INCEPTION DATE: 04/30/12 Risk Managed Balanced Subadvisers: Janus Capital Management LLC and AnchorPath Financial LLC INCEPTION DATE: 05/01/14 Managed Volatility (MVP) The Fund seeks total return while seeking to provide volatility management. The Fund allocates exposure to a set of underlying indices representing various global asset classes including, but not limited to, global equity and global fixed income (the Underlying Indices ). The Fund is a momentum-based, risk-managed that seeks to reduce risk and 5, 9, 10, 12, 16, 26, 45 enhance long-term returns in changing markets. Managed Volatility (MVP) Seeks capital appreciation over time as compared to its benchmark, the S&P 500 Index, with lower absolute volatility. INTECH, a Janus subsidiary, is the manager. INTECH s optimization process seeks to minimize the volatility of the while targeting market-like returns over time through its rules-based, mathematical approach to stock selection. Risk controls embedded in INTECH s investment process are designed 25, 26, 40 to help minimize losses on the downside through many different market cycles. Managed Volatility (MVP) Seeks total return with a low to moderate correlation to traditional financial market indices. Invests primarily in derivative instruments and other financially linked instruments whose performance is expected to correspond to U.S. and international fixed income, equity and commodity markets. The Fund s proprietary risk management process actively invests in equities, government bonds and commodities. The weights of the asset classes are initially set so that each contributes a similar amount of risk to the overall. The team then engages in 5, 7, 9, 10, 12, 16, 25, 26 active positioning to match the to the prevailing economic environment. Managed Volatility (MVP) Seeks total return and a stable pattern of returns utilizing a process designed to mitigate market volatility and reduce the probability of extreme outcomes. The allocates its assets among various U.S. and non-u.s. equity and fixed income strategies 1, 5, 10, 12, 16, 24, 26, 27, 34, 38, 40, 45 managed by the Investment Manager, Lazard Asset Management LLC. Managed Volatility (MVP) Seeks the highest total return (that is, a combination of income and long-term capital appreciation) over time consistent with its asset mix. The Fund will seek to reduce volatility as a secondary objective. The Fund is a fund of funds it invests primarily in other open-end funds managed by the manager or its affiliates, or ETFs that are based on an index and managed by unaffiliated investment advisers. The Fund seeks to achieve its objectives by investing in a broad range of 9, 10, 11, 14, asset classes and investment styles, combined with multiple layers of risk management strategies. 27, 34 Managed Volatility (MVP) Seeks to maximize risk-adjusted total return relative to a blend of 60 percent MSCI World Index/40 percent Barclays Capital U.S. Aggregate Index. The seeks to achieve its investment objective by investing in a combination of Acquired Funds and/or direct investments and utilizing hedging techniques to manage downside risks and 1, 5, 7, 8, 9, 10, 11, 12, 14, 15, 16, 18, 21, 23, 25, 26, 31, 33, 34, 35, 40 total portfolio volatility. Managed Volatility (MVP) Seeks to maximize long-term capital growth, consistent with preservation of capital and balanced by current income. The invests in a balanced portfolio of equity and fixed income securities (the Balanced Component ) and a risk management portfolio intended to enhance the risk adjusted return of the (the Risk Management Component ). The Risk Management Component attempts to stabilize current returns of the using techniques designed to limit the downside exposure of the during periods of significant market decline and to add market exposure to the during 11, 12, 16, 20, 25, 26 periods of normal or rising markets. See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions. 3

8 Asset Allocation/Managed Volatility s (MVPs) TOPS Managed Risk Balanced ETF Adviser: ValMark Advisers, Inc. Subadviser: Milliman Financial Risk Management LLC INCEPTION DATE: 05/01/12 TOPS Managed Risk Growth ETF Adviser: ValMark Advisers, Inc. Subadviser: Milliman Financial Risk Management LLC INCEPTION DATE: 05/01/12 TOPS Managed Risk Moderate Growth ETF Adviser: ValMark Advisers, Inc. Subadviser: Milliman Financial Risk Management LLC INCEPTION DATE: 05/01/12 Managed Volatility (MVP) Seeks to provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole. The employs a fund-of-funds structure that invests, under normal market conditions, at least 80 percent of its assets in exchangetraded funds ( ETFs ). The also employs exchange-traded futures contracts to hedge market risk and reduce return volatility. The s adviser seeks to manage return volatility by employing a subadviser to execute a portfolio's managed risk strategy. The subadviser s managed risk strategy consists of using hedge instruments (exchange-traded futures contracts) to reduce the downside risk of 5, 8, 10, 12, 14, 15, 16, 18, 19, 21, 25, 26, 27, 30, 33, 34, 35, 40 the majority of the s securities. Managed Volatility (MVP) Seeks to provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole. The employs a fund-of-funds structure that invests, under normal market conditions, at least 80 percent of its assets in exchangetraded funds ( ETFs ). The also employs exchange-traded futures contracts to hedge market risk and reduce return volatility. The s adviser seeks to manage return volatility by employing a subadviser to execute a portfolio's managed risk strategy. The subadviser s managed risk strategy consists of using hedge instruments (exchange-traded futures contracts) to reduce the downside risk of 5, 8, 10, 12, 14, 15, 16, 18, 19, 21, 25, 26, 27, 30, 33, 34, 35, 40 the majority of the s securities. Managed Volatility (MVP) Seeks capital appreciation with less volatility than the equity markets as a whole. The employs a fund-of-funds structure that invests, under normal market conditions, at least 80 percent of its assets in exchange-traded funds ( ETFs ). The also employs exchange-traded futures contracts to hedge market risk and reduce return volatility. The s adviser seeks to manage return volatility by employing a subadviser to execute a portfolio's managed risk strategy. The subadviser s managed risk strategy consists of using hedge instruments (exchange-traded futures contracts) to reduce the downside risk of the majority of the s 5, 8, 10, 12, 14, 15, 16, 18, 19, 21, 25, 26, 27, 30, 33, 34, 35, 40 securities. See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. 4 Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions.

9 Index, Sector and Targeted Fidelity VIP Real Estate Adviser: Fidelity SelectCo LLC INCEPTION DATE: 11/06/02 Ivy Funds VIP Global Natural Resources Adviser: Waddell & Reed Investment Management Company INCEPTION DATE: 04/28/05 Ivy Funds VIP Science and Technology Adviser: Waddell & Reed Investment Management Company INCEPTION DATE: 04/04/97 Morgan Stanley UIF U.S. Real Estate Adviser: Morgan Stanley Investment Management, Inc. INCEPTION DATE: 11/05/02 Nasdaq-100 Index INCEPTION DATE: 05/01/00 PIMCO CommodityRealReturn Strategy Adviser: Pacific Investment Management Company LLC INCEPTION DATE: 06/30/04 S&P 500 Index INCEPTION DATE: 01/03/97 Seeks above-average income and long-term capital growth consistent with reasonable investment risk. The seeks to provide a yield that exceeds the composite yield of the S&P 500 Index. The normally invests at least 80 percent of its assets in securities of companies principally engaged in the real estate industry and other real estate related investments and invests 10, 27, 33, 42 primarily in common stocks. May invest in domestic or foreign issuers. Seeks to provide capital growth and appreciation by investing, under normal market conditions, at least 80 percent of its net assets in equity securities of companies of any size throughout the world that own, explore or develop natural resources and other basic commodities or that supply goods 7, 9, 10, 16, 19, 35 and services to such companies. Seeks to provide growth of capital by investing primarily in the equity securities of science and technology companies around the globe. Under normal circumstances, the invests at least 80 percent of its net assets in securities of science or technology companies. Such companies may include companies that, in the opinion of Waddell & Reed Investment Management Company (WRIMCO), the s investment manager, derive a competitive advantage by the application of scientific or technological developments or discoveries to grow their business or increase their competitive advantage. 35 Seeks to provide above-average current income and long-term capital appreciation by investing, under normal circumstances, at least 80 percent of its assets primarily in equity securities of 27, 33 companies in the U.S. real estate industry, including real estate investment trusts. Seeks long-term growth of capital by investing primarily in stocks that are included in the Nasdaq-100 Index. The may also invest in other securities outside the index whose performance is expected to correlate to that of the Nasdaq , 26, 28, 43 Index. Seeks maximum real return consistent with prudent investment management by investing, under normal circumstances, in commodity-linked derivative instruments backed by a portfolio of 5, 7, 8, 9, 10, 11, 14, 16, 18, 21, 23, 25, 26, 31, 35 inflation-indexed securities and other fixed income instruments. Seeks total return that approximates that of the S&P 500 Index, including reinvestment of dividends, at a risk level consistent with that of the S&P 500. The invests primarily in securities that may or may not be included among the 500 stocks in the S&P 500 and/or exchange traded funds that mimic the holdings and returns of the Index. This strategy is intended to replicate the performance of the S&P , 23, 26, 35, 44. See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions. 5

10 Large Cap ClearBridge Variable Dividend Strategy Adviser: Legg Mason Partners Fund Advisor LLC Subadvisers: ClearBridge Investments LLC and Western Asset Management Company INCEPTION DATE: 05/01/15 ClearBridge Variable Large Cap Value * Adviser: Legg Mason Partners Fund Advisor LLC Subadviser: ClearBridge Investments LLC INCEPTION DATE: 02/17/98 Fidelity VIP Equity-Income Adviser: Fidelity Management & Research Company (FMR) INCEPTION DATE: 10/09/86 Seeks dividend income, growth of dividend income and long-term capital appreciation. Under normal circumstances, the Fund will invest at least 80 percent of its net assets, plus borrowings for investment purposes, if any, in equity securities or other investments with similar economic characteristics that pay dividends or are expected to initiate their dividends over time. The Fund may invest up to 50 percent of its net assets in equity securities of foreign 9, 11, 14, 16, 21, 33 issuers. Seeks long-term capital growth with current income as a secondary objective. Normally, the Fund invests at least 80 percent of its net assets in equity securities of companies with large 14, 16, 24, 26, 27 market capitalizations. * On December 5, 2014, the ClearBridge Variable All Cap Value reorganized into this. Seeks reasonable income and will consider the potential for capital appreciation. The invests primarily in income-producing equity securities, which tends to lead to investments in large cap value stocks. FMR may invest in domestic and foreign issuers and debt securities, 5, 16, 23, 26, 38 including lower-quality debt securities. Value Franklin Income VIP Fund Adviser: Franklin Advisers, Inc. INCEPTION DATE: 02/29/08 Seeks to maximize income while maintaining prospects for capital appreciation. Under 5, 45 normal market conditions, the Fund invests in both equity and debt securities. Franklin Founding Funds Allocation VIP Fund Adviser: Franklin Advisers, Inc. INCEPTION DATE: 02/29/08 Goldman Sachs VIT Large Cap Value Fund Adviser: Goldman Sachs Asset Management L.P. INCEPTION DATE: 07/24/07 Strategic Value Subadviser: Federated Equity Management Company of PA INCEPTION DATE: 05/01/98 Seeks capital appreciation, with income as a secondary goal. Under normal market conditions, the Fund invests equal portions in Class 1 shares of Franklin Income VIP Fund, Franklin Mutual Shares VIP Fund, and Templeton Growth VIP Fund. 5 Seeks long-term capital appreciation by investing, under normal circumstances, at least 80 percent of its net assets plus any borrowings for investment purchases, in a diversified portfolio of equity investments in large cap U.S. issuers with public stock market capitalizations within the range of companies constituting the Russell 1000 Value Index at the time of investment. Although the Fund will invest primarily in publicly traded U.S. securities, it may invest up to 25 percent of its net assets in foreign securities, including securities quoted in foreign currencies. The Fund may invest up to 20 percent of its net asset in fixed income securities, 5, 9, 10, 16, 24, 25, 26, 45 such as government, corporate and bank debt obligations. Seeks growth of capital and income by investing primarily in high dividend yielding, 26, 35, 39 common stocks with dividend growth potential. Blend Appreciation Adviser: The Dreyfus Corporation Subadviser: Fayez Sarofim & Company INCEPTION DATE: 12/29/00 Seeks long-term capital growth consistent with the preservation of capital. Its secondary goal is current income. To pursue its goals, the Fund normally invests at least 80 percent of its assets, plus any borrowings for investment purposes, in common stocks. The Fund focuses on blue chip companies with total market capitalizations net of more than $5 billion at the time of purchase, including multinational companies. The Fund s managers focus on brand leaders with high barriers to entry and proven records of growth. The Fund employs a buy-and-hold investment strategy. The Fund typically sells a stock when the Fund s portfolio managers believe there is a significant adverse change in a company s business fundamentals that may lead to a 4, 11, 16 sustained impairment in earnings prospects. Bristol Subadviser: Suffolk Capital Management LLC INCEPTION DATE: 05/01/02 Seeks long-term growth of capital by investing primarily in common stocks of the 1,000 largest publicly-traded U.S. companies in terms of market capitalization. From time to time, it might also have substantial positions in securities issued by smaller companies, in foreign 10, 16, 27, 34 companies or in a particular sector of the economy. 6

11 Large Cap Equity Subadviser: ClearBridge LLC INCEPTION DATE: 01/14/71 Goldman Sachs VIT U.S. Equity Insights Fund Adviser: Goldman Sachs Asset Management L.P. INCEPTION DATE: 01/09/06 Seeks long-term capital growth by investing, under normal circumstances, at least 80 percent of its assets in equity securities. Invests primarily in common stocks or securities that may be converted into, or carry the right to buy, common stocks. The subadviser follows a value discipline in selecting securities and therefore seeks to purchase securities that appear to be underpriced and offer aboveaverage potential for capital 23, 26, 39 appreciation. Seeks long-term growth of capital and dividend income by investing, under normal circumstances, at least 80 percent of its net assets plus any borrowings for investment purchases (measured at time of purchase) in a diversified portfolio of equity investments, in U.S. issuers, 10, 16, 25, 26, 30, 31, 36, 45 including foreign companies that are traded in the U. S. Blend Lazard Retirement U.S. Strategic Equity Adviser: Lazard Asset Management LLC INCEPTION DATE: 03/18/98 MFS Total Return Series Adviser: Massachusetts Financial Services Company INCEPTION DATE: 05/01/00 Seeks long-term capital appreciation. Under normal circumstances, the invests at least 80 percent of its assets in equity securities of U.S. companies that the adviser believes are undervalued. 16, 23, 24, 26, 27, 34 Seeks to provide total return. Under normal conditions, the Fund invests at least 40 percent, but not more than 75 percent, of its assets in equity securities and at least 25 percent of its total 5, 10, 11, 16, 23, 24, 25, 26, 38 assets in fixed income senior securities. May invest in foreign securities. Omni Subadviser: Suffolk Capital Management LLC INCEPTION DATE: 09/10/84 Target VIP Subadviser: First Trust Advisors L.P. INCEPTION DATE: 11/02/05 Aggressive Growth Subdviser: Janus Capital Management LLC INCEPTION DATE: 03/31/95 Seeks a high level of long-term total return consistent with preservation of capital by investing 5, 23, 26 in equities, bonds and money market instruments. Seeks above-average total return. Invests primarily in equities of companies that are identified by a proprietary model using separate and uniquely specialized strategies. The is passively managed, meaning that the stocks are held for one year until the next stock selection date. Each year, the expects to invest in the securities determined by the model with an approximately equal amount invested in each strategy. 22 Seeks to invest in dominant growth companies with sustainable competitive advantages. The normally concentrates its investments in a core group of common stocks. 1, 16, 20, 23, 26 Growth Balanced Adviser: Janus Capital Management LLC INCEPTION DATE: 09/13/93 Bristol Growth Subadviser: Suffolk Capital Management LLC INCEPTION DATE: 05/01/07 Seeks long-term capital growth, consistent with preservation of capital and balanced by current income, by normally investing percent of its assets in equity securities and the remaining assets in fixed income securities and cash equivalents. The normally invests at least 25 14, 20, 25, 26 percent of its assets in fixed income senior securities. Seeks long-term growth of capital by investing primarily in common stocks of the 1,000 largest publicly-traded U.S. companies in terms of market capitalization. From time to time, it might also have substantial positions in securities issued by smaller companies, in foreign 10, 16, 27, 34 companies or in a particular sector of the economy. Fidelity VIP Contrafund Adviser: Fidelity Management & Research Company (FMR) INCEPTION DATE: 01/03/95 Seeks to achieve long-term capital appreciation. Fidelity Management & Research Company (FMR) normally invests the assets in securities of companies whose value FMR believes is not fully recognized by the public. Normally, FMR invests primarily in common stocks and either growth stocks or value stocks or both. FMR may invest the 16, 23, 26 assets in securities of foreign issuers in addition to securities of domestic issuers. continued» See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions. 7

12 Large Cap Fidelity VIP Growth Adviser: Fidelity Management & Research Company (FMR) INCEPTION DATE: 10/09/86 Franklin Flex Cap Growth VIP Fund Adviser: Franklin Advisers, Inc. INCEPTION DATE: 02/29/08 Goldman Sachs VIT Strategic Growth Fund Adviser: Goldman Sachs Asset Management L.P. INCEPTION DATE: 01/09/06 Ivy Funds VIP Asset Strategy Adviser: Waddell & Reed Investment Management Company INCEPTION DATE: 05/01/95 Seeks to achieve capital appreciation. Fidelity Management & Research Company (FMR) normally invests the assets in common stocks of companies that FMR believes to have above-average growth potential (stocks of these companies are often called growth stocks). FMR may invest the assets in securities of foreign issuers in addition to 16, 23, 26, 38 securities of domestic issuers. Seeks capital appreciation. Under normal market conditions, the Fund invests predominantly in equity securities of companies that the investment manager believes have the potential for 26, 27, 34, 45 capital appreciation. Seeks long-term growth of capital by investing, under normal circumstances, at least 90 percent of its total assets in equity investments in a diversified portfolio of equity investments that are considered by the investment adviser to be strategically positioned for consistent longterm growth. May invest in foreign 10, 16, 26, 30, securities. Seeks to provide total return and looks to achieve its objective by allocating its assets among stocks, bonds, and short-term instruments of issuers in markets around the globe, as well as investments in derivative instruments, precious metals and investments with exposure to various foreign currencies. May invest in any market that the managers believe offers a high probability of 7, 9, 10, 14, 16, 26, 35 return or, alternatively, that may provide a high degree of safety in uncertain times. Growth Janus Adviser: Janus Capital Management LLC INCEPTION DATE: 09/13/93 Jennison 20/20 Focus Adviser: Prudential Investments LLC Subadviser: Jennsion Associates LLC INCEPTION DATE: 05/03/99 Seeks long-term growth of capital by investing primarily in common stocks selected for their growth potential. Although the may invest in companies of any size, it generally 16, 20, 25, 26 invests in larger, more established companies. Seeks long-term growth of capital by investing primarily in approximately 40 equity and equity-related securities of U.S. companies (approximately 20 value stocks and approximately 20 growth stocks) that the subadviser believes to have strong capital appreciation potential. Up to 11, 25, percent of the s total assets may be invested in foreign securities. Jennison Adviser: Prudential Investments LLC Subadviser: Jennsion Associates LLC INCEPTION DATE: 04/25/95 MFS Massachusetts Investors Growth Stock * Adviser: Massachusetts Financial Services Company INCEPTION DATE: 05/01/00 Morgan Stanley UIF Growth Adviser: Morgan Stanley Investment Mangement, Inc. INCEPTION DATE: 05/05/03 Seeks long-term growth of capital by investing at least 65 percent of total assets in equity and equity-related securities of companies that exceed $1 billion in market capitalization at the time of investment that the subadviser believes to have above-average growth prospects. The 9, 11, 13, 16, 25,26 may invest up to 30 percent of its total assets in foreign securities. Seeks capital appreciation by normally investing at least 80 percent of its net assets in equity securities. MFS focuses on investing the Fund s assets in the equities of companies it believes to have above average earnings growth potential compared to other companies (growth 10, 11, 16, 20, 23, 24, 25, 26 companies). May invest in foreign securities. * On March 27, 2015, the MFS Investors Growth Stock Series reorganized into this. Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities 10, 16, 24 of U.S. and foreign companies with market capitalization of generally $10 billion or more. See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. 8 Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions.

13 Mid Cap Value AMT Mid Cap Intrinsic Value Adviser: Neuberger Berman Management LLC Subadviser: Neuberger Berman LLC INCEPTION DATE: 04/29/05 JPMorgan Insurance Trust Mid Cap Value Adviser: J.P. Morgan Investment Management, Inc. INCEPTION DATE: 09/28/01 Seeks growth of capital by investing, under normal circumstances, at least 80 percent of its net assets in equity securities of mid-capitalization companies. May invest in equities of 2, 6, 8, 16, 23, 26, 27, 31, 35 foreign companies. Seeks to provide capital appreciation with a secondary goal of achieving current income by investing primarily in equity securities. Under normal circumstances, the invests at least 80 percent of its net assets, plus the amount of borrowings for investment purposes, in equity securities of mid cap companies, including common stock and debt securities and preferred stock, 10, 27, 34 both of which are convertible into common stock. Federated Kaufmann Fund II Adviser: Federated Equity Management Company of PA Subadviser: Federated Global Investment Management Corp. INCEPTION DATE: 05/01/03 Seeks capital appreciation by investing primarily in equities of small- and medium-sized companies that are traded on national security exchanges, the NASDAQ stock market and on the over-the-counter market. Up to 30 percent of the Fund s net assets may be invested in 5, 10, 27 foreign securities. Growth Fidelity VIP Mid Cap Adviser: Fidelity Management & Research Company (FMR) INCEPTION DATE: 12/31/98 MFS Mid Cap Growth Series Adviser: Massachusetts Financial Services Company INCEPTION DATE: 05/01/00 Seeks long-term growth of capital. Fidelity Management & Research Company (FMR) normally invests at least 80 percent of assets in securities of companies with medium market capitalizations. FMR normally invests the assets primarily in common stocks. FMR may invest the assests in securities of foreign issuers in addition to securities of domestic 16, 23, 26, 27 issuers and may invest in either growth stocks, value stocks or both. Seeks capital appreciation by normally investing at least 80 percent of the Fund s net assets in equity securities. MFS focuses on investing the Fund s assets in the stocks of companies with medium market capitalizations it believes to have above average earnings growth potential compared to other 10, 11, 16, 20, 23, 25, 26, 27 companies (growth companies). May invest in foreign securities. Mid Cap Opportunity Subadviser: Goldman Sachs Asset Management L.P. INCEPTION DATE: 01/03/97 Seeks long-term total return by investing, under normal circumstances, at least 80 percent of its assets in equity securities of mid cap companies with public stock market capitalizations within the range of capitalization of companies constituting the Russell MidCap Growth Index at the time of investment. Invests in a diversified portfolio of equity instruments. May 10, 34 invest in foreign securities. See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions. 9

14 Small Cap JPMorgan Insurance Trust Small Cap Core Adviser: J.P. Morgan Investment Management, Inc. INCEPTION DATE: 01/03/95 Lazard Retirement U.S. Small-Mid Cap Equity Adviser: Lazard Asset Management LLC INCEPTION DATE: 11/04/97 Seeks capital growth over the long-term by investing, under normal circumstances, at least 80 percent of its net assets, plus the amount of borrowings for investment purposes, in equity 9, 34 securities of small cap companies. May invest in derivatives. Seeks long-term capital appreciation. Under normal circumstances, the invests at least 80 percent of its assets in equity securities of small-mid cap U.S. companies, considered by the adviser to be those companies that at the time of initial purchase have market capitalizations within the range of the Russell , 23, 27, 34, Index. Blend Royce Micro-Cap Adviser: Royce & Associates LLC INCEPTION DATE: 12/31/96 Seeks long-term growth of capital. The normally invests at least 80 percent of its net assets in equity securities issued by micro cap companies with market capitalizations up to $750 million. Royce generally focuses on micro cap companies that it believes are trading below its estimate of their current worth, basing this assessment chiefly on balance sheet quality and other indicators of financial strength. The also seeks companies that Royce believes have strong growth prospects and the potential for improvement in cash flow levels and internal rates 11, 16, 26, 34, 39 of return. May invest up to 25 percent of its net assets in foreign securities. Royce Small-Cap Adviser: Royce & Associates LLC INCEPTION DATE: 12/31/96 Bryton Growth Subadviser: Suffolk Capital Management LLC INCEPTION DATE: 05/01/02 Seeks long-term growth of capital. The normally invests at least 80 percent of its net assets in equity securities issued by small cap companies with market capitalizations up to $2.5 billion. The generally invests in such companies that Royce believes also possess financial strength, a strong business model, and the ability to generate and effectively allocate excess free 11, 16, 26, 34, 39 cash flow. May invest up to 25 percent of its net assets in foreign securities. Seeks long-term growth of capital by investing primarily in common stocks of growthoriented U.S. companies smaller than the 500 largest publicly-traded U.S. companies in terms 23, 26, 34 of market capitalization. Growth Capital Growth Subadviser: Eagle Asset Management, Inc. INCEPTION DATE: 05/01/98 MFS New Discovery Series Adviser: Massachusetts Financial Services Company INCEPTION DATE: 05/01/00 Seeks long-term capital appreciation by investing primarily in an actively managed portfolio of equity securities (primarily common stocks) of small cap companies that the subadviser believes 10, 34 have potential for more rapid growth than the overall economy. May invest in foreign securities. Seeks capital appreciation by investing primarily in equity securities of companies believed by the adviser to have above-average earnings growth potential with an emphasis on small cap 10, 11, 16, 20, 23, 25, 26, 34 companies. May invest in foreign securities. Small Cap Growth Subadviser: Janus Capital Management LLC INCEPTION DATE: 01/03/97 Seeks long-term capital appreciation by investing, under normal circumstances, at least 80 percent of its net assets, plus any borrowings for investment purposes, in stocks of small cap companies (those with a market capitalization at the time of investment no greater than the largest market capitalization of a company in the Russell 2000 Growth Index). May invest in foreign securities. 11, 20, 23, 26, 34 See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. 10 Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions.

15 International/Global Value Templeton Foreign VIP Fund Adviser: Templeton Investment Counsel LLC INCEPTION DATE: 02/29/08 Seeks long-term capital growth. Under normal market conditions, the Fund invests at least 80 percent of its net assets in investments of issuers located outside the U.S., including those in emerging markets. 10 International Subadviser: Federated Global Investment Management Corp. INCEPTION DATE: 05/03/93 Lazard Retirement Emerging Markets Equity Adviser: Lazard Asset Management LLC INCEPTION DATE: 11/04/97 Seeks long-term growth of capital by investing, under normal circumstances, at least 80 percent of its assets in equity securities of foreign companies in both developed and emerging 10, 27, 34 markets. May invest in large, mid and small cap companies. Seeks long-term capital appreciation. Under normal circumstances, the invests at least 80 percent of its assets in equity securities of non-u.s. companies whose principle activities are located in those countries that comprise the MSCI Emerging Markets (EM ) 10, 16, 23, 24, 26, 34 Index that the adviser believes are undervalued. Blend Lazard Retirement International Equity Adviser: Lazard Asset Management LLC INCEPTION DATE: 09/01/98 Seeks long-term capital appreciation. Under normal circumstances, the invests at least 80 percent of its assets in equity securities of relatively large non-u.s. companies, with market capitalizations within the range of companies that comprise the Morgan Stanley Capital International (MSCI ) Europe, Australasia and Far East (EAFE ) Index that the 9, 10, 16, 23, 24, 26, 34 adviser believes are undervalued. Overseas Adviser: Janus Capital Management LLC INCEPTION DATE: 05/02/94 Global Research Adviser: Janus Capital Management LLC INCEPTION DATE: 09/13/93 Seeks long-term growth of capital by investing, under normal circumstances, at least 80 percent of its net assets in securities of issuers from countries outside the United States. Although the intends to invest substantially all of its assets in issuers located outside the United States, it may at times invest in United States issuers and it may, under unusual circumstances, invest all or substantially all of its assets in a single country. The may 10, 16, 20, 25, 26, 31 have significant exposure to emerging markets. May invest in derivatives. Seeks long-term growth of capital by investing primarily in equity securities of companies of any size located throughout the world. The normally invests in issuers from several different 16, 20, 25, 26, 31 countries including the United States. Growth International Small-Mid Company Subadviser: Federated Global Investment Management Corp. INCEPTION DATE: 03/31/95 Invesco V.I. International Growth Fund Adviser: Invesco Advisers, Inc. INCEPTION DATE: 09/19/01 Seeks long-term growth of capital by investing, under normal circumstances, at least 80 percent of its assets in equity securities issued by non-u.s. small and mid cap companies. May invest in companies throughout the world, in both developed economies and emerging 10, 27, 33 markets. Seeks long-term growth of capital, by investing primarily in a diversified portfolio of international securities that the Fund s portfolio manager believes to have sustainable above average earnings growth, efficient capital allocation, and attractive prices. Under normal market conditions, invests in equity securities of issuers from at least three different foreign countries. The Fund may also invest up to 1.25 times the amount of the exposure to emerging 9, 10, 16, 25, 26 markets countries in the MSCI All Country World ex-u.s. Growth Index. See fund prospectus for full details and additional information. See pages for the Fund Risks and Disclosures Glossary. Neither asset allocation nor diversification guarantees a profit or prevents a loss in declining markets. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Over time, a portfolio's current asset class, investment style or category may change. If a portfolio focuses on a particular investment style, its performance will sometimes be better or worse than the performance of funds focusing on other types of investments. Performance may fluctuate with current market and economic conditions. 11

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