TOPS® Conservative ETF Portfolio Service Class Shares

The fund employs a fund-of-funds structure that invests, under normal market conditions, at least 80% of its assets in exchange-traded funds ("ETFs"). The ETFs included in the Portfolio invest primarily in securities representing one of the following asset classes: government fixed income securities; corporate fixed income securities; common and preferred stocks; Real Estate-Related Securities ("REITS"); natural resource-related securities.