| You can choose from portfolios that are generally based on the following criteria: |
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| Sector |
| Sector portfolios are composed of companies involved in a specific industry such as energy, technology, financial services, or health care. Sector portfolios seek to provide the potential for capital appreciation by identifying market trends in specific areas and investing in the companies that we believe are positioned to benefit from those trends. |
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| Theme/Specialty |
| These portfolios invest in companies across a variety of sectors that share a common theme such as global blue-chip companies or companies that sell brand name products. |
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| Strategy |
| Strategies seek to outperform a benchmark universe of stocks by refining the universe through predetermined investment criteria that reflects the historical behavior of the securities. |
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| Index-Based |
| These types of portfolios are based on major market indexes but with one main difference – the stocks in the portfolio remain fixed and do not change with any changes made to the index. |
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| Style |
| Style portfolios invest in different asset classes and styles.The companies selected for each portfolio must meet the stated style, capitalization, and investment objective of the portfolio at the time the portfolio is created, enhancing your ability to control your asset allocation needs. |
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| Taxable Income |
| These portfolios typically invest in government-backed securities, mortgage-backed securities, or corporate bonds and are designed to provide income.Various levels of risk are associated with the different types of taxable income securities. |
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| Tax-Free Income |
| Comprised of bonds issued by states, municipalities, and other municipal bond issuers, these portfolios provide income that is exempt from federal income taxes. A portion of the income, however,may be subject to the alternative minimum tax. |
