OVERTURE MEDLEY! 403(b)
Standardized Average Annual Total Return as of September 30, 2009

More information about the risks of certain investments and about total return performance reports is at the end of this screen.

Risks of Certain Kinds of Portfolios
Money market portfolios are not insured by the FDIC or any governmental agency. Although they seek to preserve value at $1.00 per share, it is possible for a money market portfolio to lose money.

Overseas/emerging market, sector, and high income and small cap portfolios involve additional risk than may exist in portfolios investing in larger, more established or diversified companies in established countries. More information about the specific risks involved can be found in each such portfolio’s prospectus and by clicking on the fund portfolio name, above. The prospectuses for all of the portfolios available through the policy may be downloaded from this website, or contact us to send you a free copy.

Standardized Performance Data
Standardized average annual total returns are shown for periods beginning on the date each subaccount first invested in a corresponding series fund portfolio, and are current as of the end of the previous calendar quarter.

Standardized average annual total return for a specific period is calculated by taking a hypothetical $1,000 investment in a subaccount at the offering on the first day of the period ("initial investment"), and computing the ending redeemable value ("redeemable value") of that investment at the end of the period. The redeemable value is then divided by the initial investment and expressed as a percentage. Standardized average annual total return is annualized and reflects the deduction of fund company expenses, the current policy mortality and expense charge, the current percentage administrative expense risk charge, the current annual policy fee (if any) and the required 403(b) TSA endorsement. The redeemable value also reflects the effect of any applicable withdrawal charge that may be imposed at the end of the period. The MEDLEY! offers a variety of optional features for a charge, some of which are effectively mutually exclusive or used only in limited situations. The standardized average annual total returns above do not reflect the cost of any of these optional features. No deduction is made for premium taxes which may be assessed by certain states. Some portfolio advisors have agreed to limit their expenses; without these limits, performance would have been lower. Yields shown are "annualized" yields. This means the income generated during the measured seven days is assumed to be generated each week over a 52 week period, and not reinvested, and is shown as a percentage of the investment. See the prospectus for detailed information about policy charges, including maximum charges and fund expenses.

Investment options with "Ameritas" in their name are part of the Calvert Variable Series Ameritas Portfolios, advised by Calvert Asset Management Company (CAMCO). For investment options other than the Ameritas Money Market, the day-to-day management of the investment options is the responsibility of the corresponding subadvisor under whose name each is listed.

Past performance is no guarantee of future results. The return and principal value of an investment will fluctuate so that investor’s shares, when redeemed, may be worth more or less than their original cost.