Investment Option	Asset Category	Risk/Reward Potential	Objective/Primary Investments
Emerging Markets Equity, Class I	International Emerging Markets	1 2 3 4 5	Primarily invested in growth-oriented equity securities of emerging market countries with a goal of long-term capital appreciation.
Global Value Equity, Class I*	World Stock	1 2 3 4 5	Primarily invested in under-valued equity securities from around the world with a goal of long-term capital appreciation.
International Magnum, Class I*	International Large Cap	1 2 3 4 5	Primarily invested in non-U.S. securities from issuers in EAFE countries with a goal of long-term capital appreciation.
U.S. Real Estate, Class I	Real Estate	1 2 3 4 5	Primarily invested in equity securities of companies in the U.S. real estate industry with a goal of current income and long-term capital appreciation.

*These investment options are not available on Protector hVUL.

Investments in overseas or emerging nation portfolios involve different risks than investments in more established economies and will be affected by greater volatility of currency, exchange rates, and overall economic and political factors. 

There is the potential for greater volatility inherent in a fund which concentrates its investments in one economic sector.