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shareholder report 0.363 0.260 0.110 0.090 0.037 0.035 0.033 0.028 0.020 0.020 0.364 0.261 0.131 0.091 0.037 0.035 0.033 0.028 0.020 semi-annual shareholder report semi-annual shareholder report 0.034 0.032 0.030 0.009 0.341 0.261 0.160 0.046 0.042 0.039 0.039 0.034 0.032 0.010 0.343 0.262 0.191 0.047 0.042 semi-annual shareholder report 0.037 0.033 0.397 0.211 0.140 0.063 0.059 0.054 0.055 0.033 0.398 0.249 0.141 0.064 0.060 N-CSRS Schwab Annuity Portfolios 2026-06-30 Schwab Government Money Market Portfolio Schwab Government Money Market Portfolio SWPXX <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">This <span style="-sec-ix-hidden:hidden8971827;display:inline;">semiannual shareholder report</span> contains important information about the fund for the period of January 1, 2026, to June 30, </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">2026.</span> <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">You can find additional information about the fund at </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. You can also request </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">this information by calling </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">1-866-414-6349</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> or by sending an email request to </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">orders@mysummaryprospectus.com</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span> www.schwabassetmanagement.com/prospectus 1-866-414-6349 orders@mysummaryprospectus.com <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FUND COSTS FOR THE LAST six months ENDED June 30, 2026 </div></div><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; font-style: normal; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.0pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:522pt"> <tr style="height:31pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9pt;"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:98.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS OF A</div></div><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:95.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS PAID AS A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">PERCENTAGE OF A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td></tr> <tr style="height:12.5pt"> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Schwab Government Money Market Portfolio</div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:98.91pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:16.98pt"><div style="display:flex;white-space:nowrap;width:16.98pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 16.98pt; letter-spacing: 0px; top: 0px;display:inline;">$14</div></div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:95.91pt"><div style="line-height:10.5pt;margin-left:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:27.11pt"><div style="display:flex;white-space:nowrap;width:27.11pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 27.11pt; letter-spacing: 0px; top: 0px;display:inline;">0.28%</div></div><div style="display:flex"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">*</div></div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.27pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">*</div></div><div style="float:left;line-height:9.0pt;margin-left:4.73pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Annualized.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> 14 0.0028 <div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Statistics</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:255pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:225.29pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Net Assets (millions)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:29.71pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$249</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:225.29pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Number of Holdings</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:29.71pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">252</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:225.29pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Weighted Average Maturity</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:29.71pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">42 Days</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:225.29pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seven-Day Yield (with waivers)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:29.71pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">3.43%</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:225.29pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seven-Day Yield (without waivers)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:29.71pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">3.43%</div></div></div></td></tr> <tr style="height:11.75pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:225.29pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Seven-Day Effective Yield (with waivers)</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:29.71pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">3.49%</div></div></div></td></tr></table> 249000000 252 <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Composition by Security Type % of Investments</div></div></div></div></div></div> <img alt=" " src="g98365g2img029022d82.jpg" style="height:97pt;width:253pt"/><div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Portfolio Composition By Effective Maturity % of Investments</div></div></div></div></div></div> <img alt=" " src="g98365g2img9084d03f3.jpg" style="height:93pt;width:253pt"/><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Less than 0.05%.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:0.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">2</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Includes the fund’s position in money market mutual funds registered under the Investment Company Act of 1940, as amended.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> Schwab S&P 500 Index Portfolio Schwab S&P 500 Index Portfolio SWP1Z <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">This <span style="-sec-ix-hidden:hidden8971840;display:inline;">semiannual shareholder report</span> contains important information about the fund for the period of January 1, 2026, to June 30, </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">2026.</span> <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">You can find additional information about the fund at </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span> You can also request </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">this information by calling </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">1-866-414-6349</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> or by sending an email request to </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">orders@mysummaryprospectus.com</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span> www.schwabassetmanagement.com/prospectus 1-866-414-6349 orders@mysummaryprospectus.com <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FUND COSTS FOR THE LAST six months ENDED June 30, 2026 </div></div><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; font-style: normal; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.0pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:522pt"> <tr style="height:31pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9pt;"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:98.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS OF A</div></div><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:95.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS PAID AS A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">PERCENTAGE OF A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td></tr> <tr style="height:12.5pt"> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Schwab S&amp;P 500 Index Portfolio</div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:98.91pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:11.99pt"><div style="display:flex;white-space:nowrap;width:11.99pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 11.99pt; letter-spacing: 0px; top: 0px;display:inline;">$2</div></div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:95.91pt"><div style="line-height:10.5pt;margin-left:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:27.11pt"><div style="display:flex;white-space:nowrap;width:27.11pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 27.11pt; letter-spacing: 0px; top: 0px;display:inline;">0.03%</div></div><div style="display:flex"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">*</div></div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.27pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">*</div></div><div style="float:left;line-height:9.0pt;margin-left:4.73pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Annualized.</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> 2 0.0003 The performance data quoted represents past performance. Past performance does not guarantee future results. <div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">To obtain performance information current to the most recent month end, </div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">please visit </div></div><div style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div> <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:0.0pt;margin-top:0.00pt;text-align:left"> </div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:522pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fund and Inception Date</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:52.42pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6 Months</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:49.52pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 Year</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:53.01pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 Years</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:45.56pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 Years</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund: Schwab S&amp;P 500 Index Portfolio (11/01/1996)</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">1</div> <div style="clear:right"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.21%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">22.29%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">13.37%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">15.45%</div></div></div></div></td></tr> <tr style="height:11.75pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Index</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.21%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">22.32%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">13.41%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:10.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">15.51%</div></div></div></div></td></tr></table></div><div style="line-height: 1pt; text-align: right; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="line-height:9.0pt;margin-top:167.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">All total return figures on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.</div></div><div style="line-height:9.0pt;margin-top:3.0pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">For index definitions, please see www.schwabassetmanagement.com/glossary.</div></div></div><div style="line-height:9.0pt;margin-top:3.0pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Index ownership — “Standard &amp; Poor’s</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">,” “S&amp;P</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">,” and “S&amp;P 500</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">” are registered trademarks of Standard &amp; Poor’s Financial Services LLC (S&amp;P), and “Dow Jones</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">” is a </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones) and have been licensed for use by S&amp;P Dow Jones Indices LLC and its affiliates and sublicensed for </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">certain purposes by Charles Schwab Investment Management, Inc. The “S&amp;P 500</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;"> Index” is a product of S&amp;P Dow Jones Indices LLC or its affiliates, and has been licensed for </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">use by Charles Schwab Investment Management, Inc. The Schwab S&amp;P 500 Index Portfolio is not sponsored, endorsed, sold or promoted by S&amp;P Dow Jones Indices LLC, Dow </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Jones, S&amp;P, or their respective affiliates, and neither S&amp;P Dow Jones Indices LLC, Dow Jones, S&amp;P, nor their respective affiliates make any representation regarding the </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">advisability of investing in the fund.</div></div></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Fund performance does not reflect the additional fees and expenses imposed by the insurance company under the variable insurance product contract. If those contract </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">fees and expenses were included, the performance would be less than that shown. Please refer to the variable insurance product prospectus for a complete listing of these </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> Schwab S&P 500 Index Portfolio 1996-11-01 0.1021 0.2229 0.1337 0.1545 S&P 500® Index 0.1021 0.2232 0.1341 0.1551 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Statistics</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:255pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:213.64pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Net Assets (millions)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:41.36pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$3,690</div></div></div></td></tr> <tr style="height:24pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:213.64pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Number of Holdings</div></div><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">(excludes derivatives)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:41.36pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">503</div></div></div></td></tr> <tr style="height:24pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:213.64pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio Turnover Rate</div></div><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">(not annualized)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:41.36pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">5%</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:213.64pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Weighted Average Market Cap ($ x 1,000,000)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:41.36pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$1,426,159</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:213.64pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Price/Earnings Ratio (P/E)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:41.36pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">27.5</div></div></div></td></tr> <tr style="height:11.75pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:213.64pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Price/Book Ratio (P/B)</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:41.36pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">5.7</div></div></div></td></tr></table></div> 3690000000 503 0.05 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Sector Weightings % of Investments</div></div><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; position: relative; text-transform: uppercase; top: -3.75pt; letter-spacing: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1</div></div></div></div></div></div> <img alt=" " src="g98365g3imgfa2526d12.jpg" style="height:172pt;width:253pt"/><div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Equity Holdings % of Net Assets</div></div></div></div></div></div> <img alt=" " src="g98365g3imgd2ed3b603.jpg" style="height:189pt;width:253pt"/><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:180.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div><div style="line-height:9.0pt;margin-top:3.0pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">The Sector/Industry classifications in this report use the Global Industry Classification Standard (GICS) which was developed by and is the exclusive property of MSCI Inc. </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">(MSCI) and Standard &amp; Poor’s (S&amp;P). GICS is a service mark of MSCI and S&amp;P and has been licensed for use by Charles Schwab &amp; Co., Inc.</div></div></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Excludes derivatives.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:0.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">2</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Less than 0.05%.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div><div><div style="clear:both;margin-top:0.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">3</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Includes the fund’s position in money market mutual funds registered under the Investment Company Act of 1940, as amended.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Equity Holdings % of Net Assets</div></div></div></div></div></div> <img alt=" " src="g98365g3imgd2ed3b603.jpg" style="height:189pt;width:253pt"/><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:180.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> Schwab VIT Balanced Portfolio Schwab VIT Balanced Portfolio SWB1Z <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">This <span style="-sec-ix-hidden:hidden8971854;display:inline;">semiannual shareholder report</span> contains important information about the fund for the period of January 1, 2026, to June 30, </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">2026.</span> <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">You can find additional information about the fund at </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. You can also request </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">this information by calling </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">1-866-414-6349</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> or by sending an email request to </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">orders@mysummaryprospectus.com</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span> www.schwabassetmanagement.com/prospectus 1-866-414-6349 orders@mysummaryprospectus.com <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FUND COSTS FOR THE LAST six months ENDED June 30, 2026 </div></div><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; font-style: normal; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.0pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:522pt"> <tr style="height:31pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9pt;"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:98.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS OF A</div></div><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:95.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS PAID AS A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">PERCENTAGE OF A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td></tr> <tr style="height:12.5pt"> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Schwab VIT Balanced Portfolio</div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:98.91pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:16.98pt"><div style="display:flex;white-space:nowrap;width:16.98pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 16.98pt; letter-spacing: 0px; top: 0px;display:inline;">$27</div></div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:95.91pt"><div style="line-height:10.5pt;margin-left:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:27.11pt"><div style="display:flex;white-space:nowrap;width:27.11pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 27.11pt; letter-spacing: 0px; top: 0px;display:inline;">0.52%</div></div><div style="display:flex"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">*</div></div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.27pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">*</div></div><div style="float:left;line-height:9.0pt;margin-left:4.73pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Annualized.</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> 27 0.0052 The performance data quoted represents past performance. Past performance does not guarantee future results. <div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">To obtain performance information current to the most recent month end, </div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">please visit </div></div><div style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div> <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:522pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fund and Inception Date</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:52.42pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6 Months</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:49.52pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 Year</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:53.01pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 Years</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:45.56pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 Years</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund: Schwab VIT Balanced Portfolio (07/25/2012)</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">1</div> <div style="clear:right"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">6.09%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">12.67%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">4.77%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">5.75%</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Index</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.21%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">22.32%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">13.41%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">15.51%</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bloomberg US Aggregate Bond Index</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">0.62%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">3.79%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">0.08%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">1.54%</div></div></div></div></td></tr> <tr style="height:11.75pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">VIT Balanced Composite Index</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">6.26%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">13.10%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">5.33%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:10.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">6.34%</div></div></div></div></td></tr></table><div style="line-height: 1pt; text-align: right; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="line-height:9.0pt;margin-top:188.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">All total return figures on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.</div></div><div style="line-height:9.0pt;margin-top:3.0pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">For index definitions, please see www.schwabassetmanagement.com/glossary.</div></div></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Fund expenses may have been partially absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. Fund </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance does not reflect the additional fees and expenses imposed by the insurance company under the variable insurance product contract. If those contract fees and </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses were included, the performance would be less than that shown. Please refer to the variable insurance product prospectus for a complete listing of these </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> Schwab VIT Balanced Portfolio 2012-07-25 0.0609 0.1267 0.0477 0.0575 S&P 500® Index 0.1021 0.2232 0.1341 0.1551 Bloomberg US Aggregate Bond Index 0.0062 0.0379 0.0008 0.0154 VIT Balanced Composite Index 0.0626 0.131 0.0533 0.0634 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Statistics</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:255pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:239.05pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Net Assets (millions)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:15.95pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$81</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:239.05pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Number of Holdings</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:15.95pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">10</div></div></div></td></tr> <tr style="height:22.25pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:239.05pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio Turnover Rate</div></div><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">(not annualized)</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:15.95pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">8%</div></div></div></td></tr></table></div> 81000000 10 0.08 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Asset Class Weightings % of Investments</div></div></div></div></div></div> <img alt=" " src="g98365g4imgd3f43ca82.jpg" style="height:191pt;width:253pt"/><div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Holdings % of Net Assets</div></div></div></div></div></div> <img alt=" " src="g98365g4img96fa6f393.jpg" style="height:195pt;width:253pt"/><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:206.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Holdings % of Net Assets</div></div></div></div></div></div> <img alt=" " src="g98365g4img96fa6f393.jpg" style="height:195pt;width:253pt"/><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:206.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> Schwab VIT Balanced with Growth Portfolio Schwab VIT Balanced with Growth Portfolio SWC1Z <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">This <span style="-sec-ix-hidden:hidden8971874;display:inline;">semiannual shareholder report</span> contains important information about the fund for the period of January 1, 2026, to June 30, </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">2026.</span> <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">You can find additional information about the fund at </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">. You can also request </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">this information by calling </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">1-866-414-6349</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> or by sending an email request to </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">orders@mysummaryprospectus.com</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span> www.schwabassetmanagement.com/prospectus 1-866-414-6349 orders@mysummaryprospectus.com <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FUND COSTS FOR THE LAST six months ENDED June 30, 2026 </div></div><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; font-style: normal; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div> <div style="line-height:0.0pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"></div></div> <div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:522pt"> <tr style="height:31pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9pt;"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:98.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS OF A</div></div><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:95.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS PAID AS A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">PERCENTAGE OF A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td></tr> <tr style="height:12.5pt"> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Schwab VIT Balanced with Growth Portfolio</div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:98.91pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:16.98pt"><div style="display:flex;white-space:nowrap;width:16.98pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 16.98pt; letter-spacing: 0px; top: 0px;display:inline;">$25</div></div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:95.91pt"><div style="line-height:10.5pt;margin-left:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:27.11pt"><div style="display:flex;white-space:nowrap;width:27.11pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 27.11pt; letter-spacing: 0px; top: 0px;display:inline;">0.48%</div></div><div style="display:flex"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">*</div></div></div></div></td></tr></table></div> <div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.27pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">*</div></div><div style="float:left;line-height:9.0pt;margin-left:4.73pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Annualized.</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> 25 0.0048 The performance data quoted represents past performance. Past performance does not guarantee future results. <div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">To obtain performance information current to the most recent month end, </div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">please visit </div></div><div style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div> <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="line-height:0.0pt;margin-top:0.00pt;text-align:left"></div> <div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:522pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fund and Inception Date</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:52.42pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6 Months</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:49.52pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 Year</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:53.01pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 Years</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:45.56pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 Years</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund: Schwab VIT Balanced with Growth Portfolio (07/25/2012)</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">1</div> <div style="clear:right"></div> </div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">8.35%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">16.49%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">6.49%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">7.67%</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Index</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.21%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">22.32%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">13.41%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">15.51%</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bloomberg US Aggregate Bond Index</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">0.62%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">3.79%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">0.08%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">1.54%</div></div></div></div></td></tr> <tr style="height:11.75pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">VIT Balanced with Growth Composite Index</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">8.44%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">16.99%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">7.05%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:10.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">8.25%</div></div></div></div></td></tr></table></div> <div style="line-height: 1pt; text-align: right; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div> <div style="line-height:9.0pt;margin-top:188.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">All total return figures on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.</div></div> <div style="line-height:9.0pt;margin-top:3.0pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">For index definitions, please see www.schwabassetmanagement.com/glossary.</div></div></div> <div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Fund expenses may have been partially absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. Fund </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance does not reflect the additional fees and expenses imposed by the insurance company under the variable insurance product contract. If those contract fees and </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses were included, the performance would be less than that shown. Please refer to the variable insurance product prospectus for a complete listing of these </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"></div></div> Schwab VIT Balanced with Growth Portfolio 2012-07-25 0.0835 0.1649 0.0649 0.0767 S&P 500® Index 0.1021 0.2232 0.1341 0.1551 Bloomberg US Aggregate Bond Index 0.0062 0.0379 0.0008 0.0154 VIT Balanced with Growth Composite Index 0.0844 0.1699 0.0705 0.0825 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Statistics</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:255pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:234.73pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Net Assets (millions)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:20.27pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$187</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:234.73pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Number of Holdings</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:20.27pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">10</div></div></div></td></tr> <tr style="height:22.25pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:234.73pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio Turnover Rate</div></div><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">(not annualized)</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:20.27pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">9%</div></div></div></td></tr></table></div> 187000000 10 0.09 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Asset Class Weightings % of Investments</div></div></div></div></div></div> <img alt=" " src="g98365g5imgac8e964c2.jpg" style="height:191pt;width:253pt"/><div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Holdings % of Net Assets</div></div></div></div></div></div> <img alt="" src="g98365g5imge8ae8a273.jpg" style="width: 340px; height: 260px;"/><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:206.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Holdings % of Net Assets</div></div></div></div></div></div> <img alt="" src="g98365g5imge8ae8a273.jpg" style="width: 340px; height: 260px;"/><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:206.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> Schwab VIT Growth Portfolio Schwab VIT Growth Portfolio SWG1Z <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">This <span style="-sec-ix-hidden:hidden8971610;display:inline;">semiannual shareholder report</span> contains important information about the fund for the period of January 1, 2026, to June 30, </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">2026.</span> <span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">You can find additional information about the fund at </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;"> </span></span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> You can also request </span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">this information by calling </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">1-866-414-6349</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"> or by sending an email request to </span><span style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;"><span style="font-weight:bolder;display:inline;">orders@mysummaryprospectus.com</span></span><span style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 10pt; letter-spacing: 0px; top: 0px;display:inline;">.</span> www.schwabassetmanagement.com/prospectus. 1-866-414-6349 orders@mysummaryprospectus.com <div style="line-height: 6pt; text-align: left; font-size: 6pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 6pt; line-height: 6pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 6pt; line-height: 6pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">FUND COSTS FOR THE LAST six months ENDED June 30, 2026 </div></div><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; font-style: normal; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-style:italic;display:inline;">(BASED ON A HYPOTHETICAL $10,000 INVESTMENT)</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="line-height:0.0pt;margin-top:6.00pt;text-align:left"><div style="margin-top:6pt"> </div></div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; empty-cells:show;width:522pt"> <tr style="height:31pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:0.5pt;text-align:left"><div style="margin-right: 3pt; text-align: left; white-space: nowrap; font-size: 9pt;"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:98.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS OF A</div></div><div style="margin-left:1pt;margin-right:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:1.5pt;padding-top:1.5pt;vertical-align:Bottom;width:95.91pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">COSTS PAID AS A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">PERCENTAGE OF A</div></div><div style="margin-left:5.5pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$10,000 INVESTMENT</div></div></div></td></tr> <tr style="height:12.5pt"> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;width:327.17pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Schwab VIT Growth Portfolio</div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:98.91pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:16.98pt"><div style="display:flex;white-space:nowrap;width:16.98pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 16.98pt; letter-spacing: 0px; top: 0px;display:inline;">$25</div></div></div></div></td> <td style="padding-bottom:3pt;padding-top:1.5pt;vertical-align:Bottom;white-space:nowrap;width:95.91pt"><div style="line-height:10.5pt;margin-left:7.5pt;text-align:right;width:88.41pt"><div style="display:flex;margin:auto;width:27.11pt"><div style="display:flex;white-space:nowrap;width:27.11pt"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: 27.11pt; letter-spacing: 0px; top: 0px;display:inline;">0.48%</div></div><div style="display:flex"><div style="color: rgb(56, 87, 104); font-family: Arial; font-size: 9pt; width: auto; letter-spacing: 0px; top: 0px;display:inline;">*</div></div></div></div></td></tr></table></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.27pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">*</div></div><div style="float:left;line-height:9.0pt;margin-left:4.73pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Annualized.</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 4pt; line-height: 4pt; letter-spacing: 0px; top: 0px;display:inline;"> </div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> 25 0.0048 The performance data quoted represents past performance. Past performance does not guarantee future results. <div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">To obtain performance information current to the most recent month end, </div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">please visit </div></div><div style="color: rgb(36, 235, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">www.schwabassetmanagement.com/prospectus</div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9.5pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">.</div></div> <div style="line-height:11.0pt;margin-top:0pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.38%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Average Annual Total Returns</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div><div style="line-height:0.0pt;margin-top:0.00pt;text-align:left"> </div><div style="margin-top:0.0pt"> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:522pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Fund and Inception Date</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:52.42pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:1pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">6 Months</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:49.52pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">1 Year</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:53.01pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;margin-right:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">5 Years</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:45.56pt"><div style="line-height:11.0pt;text-align:left"><div style="margin-left:10pt;text-align:Center;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">10 Years</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Fund: Schwab VIT Growth Portfolio (07/25/2012)</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">1</div> <div style="clear:right"> </div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.65%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">20.47%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">8.08%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">9.41%</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">S&amp;P 500</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5.5pt; margin-left: 0pt; position: relative; top: -3.75pt; letter-spacing: 0px;display:inline;">®</div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;"> Index</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.21%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">22.32%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">13.41%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">15.51%</div></div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Bloomberg US Aggregate Bond Index</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:11.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">0.62%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">3.79%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:11.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">0.08%</div></div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:11.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">1.54%</div></div></div></div></td></tr> <tr style="height:11.75pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;width:321.49pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">VIT Growth Composite Index</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:52.42pt"><div style="line-height:10.5pt;margin-left:3pt;margin-right:12pt;text-align:right;width:37.42pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">10.65%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:49.52pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:25.52pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">20.90%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:53.01pt"><div style="line-height:10.5pt;margin-left:12pt;margin-right:12pt;text-align:right;width:29.01pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">8.60%</div></div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Bottom;white-space:nowrap;width:45.56pt"><div style="line-height:10.5pt;margin-left:12pt;text-align:right;width:33.56pt"><div style="display:flex;margin:auto;width:27.52pt"><div style="display:flex;white-space:nowrap;width:27.52pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; width: 27.52pt; letter-spacing: 0px; top: 0px;display:inline;">9.98%</div></div></div></div></td></tr></table></div><div style="line-height: 1pt; text-align: right; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"> </div></div><div style="line-height:9.0pt;margin-top:188.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">All total return figures on this page assume dividends and distributions were reinvested. Index figures do not include trading and management costs, which would lower </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance. Indices are unmanaged and cannot be invested in directly. Performance results less than one year are not annualized.</div></div><div style="line-height:9.0pt;margin-top:3.0pt;text-align:left"><div style="margin-top:3pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">For index definitions, please see www.schwabassetmanagement.com/glossary.</div></div></div><div><div style="clear:both;margin-top:3.00pt;position:relative;width:100%"><div style="float:left;line-height:6pt;text-align:left;width:2.88pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 5pt; position: relative; top: -3.25pt; letter-spacing: 0px;display:inline;">1</div></div><div style="float:left;line-height:9.0pt;margin-left:4.12pt;text-align:left;width:510.00pt"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Fund expenses may have been partially absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. Fund </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">performance does not reflect the additional fees and expenses imposed by the insurance company under the variable insurance product contract. If those contract fees and </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses were included, the performance would be less than that shown. Please refer to the variable insurance product prospectus for a complete listing of these </div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">expenses.</div></div></div><div style="clear: both; position: relative; max-height: 0px;"> </div></div> Schwab VIT Growth Portfolio 2012-07-25 0.1065 0.2047 0.0808 0.0941 S&P 500® Index 0.1021 0.2232 0.1341 0.1551 Bloomberg US Aggregate Bond Index 0.0062 0.0379 0.0008 0.0154 VIT Growth Composite Index 0.1065 0.209 0.086 0.0998 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Statistics</div></div></div></div><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div></div> <table cellpadding="0" cellspacing="0" style="text-align:start; border-bottom:0.5pt solid #385768;empty-cells:show;width:255pt"> <tr style="height:13.25pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:234.73pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Net Assets (millions)</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:20.27pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">$191</div></div></div></td></tr> <tr style="height:13.5pt"> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:234.73pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Number of Holdings</div></div></div></td> <td style="border-bottom:0.5pt solid #385768;padding-bottom:2.0pt;padding-top:2.0pt;vertical-align:Top;width:20.27pt"><div style="line-height:11.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">8</div></div></div></td></tr> <tr style="height:22.25pt"> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:234.73pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 0pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio Turnover Rate</div></div><div style="margin-right:3pt;text-align:Left;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; margin-left: 9pt; letter-spacing: 0px; top: 0px;display:inline;">(not annualized)</div></div></div></td> <td style="padding-bottom:1.5pt;padding-top:2.0pt;vertical-align:Top;width:20.27pt"><div style="line-height:10.5pt;text-align:left"><div style="margin-left:3pt;text-align:Right;white-space:nowrap"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; letter-spacing: 0px; top: 0px;display:inline;">7%</div></div></div></td></tr></table> 191000000 8 0.07 <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Asset Class Weightings % of Investments</div></div></div></div></div></div><div style="margin-top: 6pt; text-align: left; background: none;"> <img alt=" " src="g98365g6imge2bb72702.jpg" style="height:142pt;width:253pt"/><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Holdings % of Net Assets</div></div></div></div></div></div><div style="margin-top: 6pt; text-align: left; background: none;"> <img alt=" " src="g98365g6img1d0addf83.jpg" style="height:160pt;width:253pt"/><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height: 1pt; text-align: left; font-size: 1pt; background: none;"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 1pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:290.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> <div style="line-height:11.0pt;margin-top:5pt;text-align:left"><div style="margin-top:0.01pt"><div style="background-color:#385768;margin-left:0%"><div style="margin-left:0.78%"><div style="color: rgb(255, 255, 255); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; text-transform: uppercase; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;">Top Holdings % of Net Assets</div></div></div></div></div></div><div style="margin-top: 6pt; text-align: left; background: none;"> <img alt=" " src="g98365g6img1d0addf83.jpg" style="height:160pt;width:253pt"/><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 9pt; line-height: 1pt; background: none; text-decoration: none; letter-spacing: 0px; top: 0px;display:inline;"><div style="font-weight:bolder;display:inline;"> </div></div></div><div style="line-height:9.0pt;margin-top:290.5pt;text-align:left"><div style="color: rgb(56, 87, 104); font-family: &quot;Arial Narrow&quot;; font-size: 8pt; letter-spacing: 0px; top: 0px;display:inline;">Portfolio holdings may have changed since the report date.</div></div> Annualized. Includes the fund’s position in money market mutual funds registered under the Investment Company Act of 1940, as amended. Less than 0.05%. Fund performance does not reflect the additional fees and expenses imposed by the insurance company under the variable insurance product contract. If those contract fees and expenses were included, the performance would be less than that shown. Please refer to the variable insurance product prospectus for a complete listing of these expenses. Excludes derivatives. Fund expenses may have been partially absorbed by the investment adviser and its affiliates. Without these reductions, the fund’s returns would have been lower. Fund performance does not reflect the additional fees and expenses imposed by the insurance company under the variable insurance product contract. If those contract fees and expenses were included, the performance would be less than that shown. Please refer to the variable insurance product prospectus for a complete listing of these expenses.