Standard Deviation
01-31-10

HOVLXS&P 500

Rating and Risk
01-31-10

      Morningstar  
 Load-Adj Return  Return vs. CatRisk vs. Cat
1 Year 35.41 NANA
3 Year* -7.39 Above AvgAbove Avg
5 Year* 1.61 Above AvgAbove Avg
10 Year* 5.23 Above AvgAverage
15 Year* 8.08 NANA
Incept 9.04 Above AvgAbove Avg
  15.2716.2617.3421.6822.31 HOVLX
  --16.1016.0919.9720.20 S&P 500
* Annualized