X0101 EFFECT 33 LIVE 2008-10-27 16:00:00

N-14

0000743773 SUMMIT MUTUAL FUNDS INC 333-153637 0000743773 SUMMIT MUTUAL FUNDS INC S000010983 Zenith Portfolio C000030357 Zenith Portfolio - I Class 0000708950 CALVERT VARIABLE SERIES INC S000008738 Ameritas Income and Growth Portfolio C000023796 Ameritas Income and Growth Portfolio 0000743773 SUMMIT MUTUAL FUNDS INC S000010991 S&P 500 Index Portfolio C000030367 S&P 500 Index Portfolio - I Class 0000708950 CALVERT VARIABLE SERIES INC S000008728 Ameritas Index 500 Portfolio C000023786 Ameritas Index 500 Portfolio