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International Funds

Fund Name Sub-Adviser Investment Objective
International Equity Fund Vontobel Asset Management Seeks to achieve capital appreciation
Emerging Markets Equity Fund Morgan Stanley Investment Management Seeks to achieve capital appreciation

Penn Mutual's variable investment options are not available for direct investment, are available only through the Penn Mutual line of variable insurance products, and are subject to market risk and may lose value. This is not a guarantee of future performance or success.

Investments in the small capitalization sector of the financial markets may be subject to increased volatility or risk due to the size, experience, and information available on any such companies. International investing involves certain risks, including political and economic uncertainties, in addition to currency price fluctuations not inherent in domestic investing.

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