TOPS™ Strategic Allocation Portfolios

TOPS™ Strategic Allocation Portfolio

The Strategic Allocation Portfolios are collective investment funds ("CIFs") that are maintained by TD AMERITRADE Trust Company ("TDATC"). TDATC, as Trustee of the CIFs, utilizes models developed by ValMark Advisers, Inc. for investing CIF assets. ValMark Advisers, Inc. has been retained by TDATC to provide subadvisory services. Information about ValMark Advisers, Inc. may be accessed at
www.valmarksecurities.com.

Information on this Web Site

Information regarding the following CIFs is contained on this Web site.

Strategic Allocation Portfolios

The Strategic Allocation Portfolios are CIFs primarily composed of Exchange Traded Funds ("ETFs") that represent numerous asset classes.

Target Date CIFs

Strategic Allocation Portfolio Target 2015
Strategic Allocation Portfolio Target 2025
Strategic Allocation Portfolio Target 2035
Strategic Allocation Portfolio Target 2045

Risk Based Portfolios

Capital Preservation – Designed for investors with short to intermediate-term investment time horizons who are seeking capital preservation as well as the opportunity for income and growth.
Income & Growth – Designed for investors with intermediate to long-term investment time horizons who seek to earn income but potentially benefit from stock market growth.
Balanced – Designed for investors with intermediate to long-term investment time horizons who seek a reduced level of risk than found in more aggressive asset allocations.
Moderate Growth – Designed for investors with long-term investment time horizons who are willing to accept a moderate amount of volatility in exchange for the potential to earn greater returns than are typically available with more conservative asset allocations.
Growth – Designed for investors with long-term investment time horizons who are willing to accept volatility in exchange for potentially higher investment returns.
Aggressive Growth – Designed for investors with long-term investment horizons who are willing to accept a greater degree of volatility in exchange for potentially higher returns than are typically provided by more diversified asset allocations.

Additional information about TDATC, the Trustee of the CIFs, as well as ValMark Advisers, Inc., the subadvisor to the Trustee, is also available on this Web site. Employers can obtain information on how to add a CIF to their qualified retirement plan investment menu by reviewing the remaining pages.

For information regarding the risk of investing in CIFs, please see the Fund Summary Document listed under the CIF Information tab.

For more information on the STRATEGIC ALLOCATION PORTFOLIOS, please contact Brian Harriman at 877-270-6892, ext. 74761

Investment Products: Not FDIC Insured | May Lose Value | No Bank Guarantee

What is a CIF?

CIFs are bank-maintained, pooled funds that are an investment option available to tax-qualified, employer-sponsored retirement plans. CIFs are not mutual funds registered under the Investment Company Act of 1940, as amended ("1940 Act"), and CIF unit holders are not entitled to the protections of the 1940 Act. In addition, CIF units are not securities required to be registered under the Securities Act of 1933, or applicable securities laws of any state or other jurisdiction. The regulatory requirements applicable to a CIF are different from those applicable to a mutual fund. A CIF's units are not traded on an exchange or "over the counter" and, as a result, the unit values are not available for publication in the newspapers. CIFs are valued daily, and the current unit value may be obtained from the Trustee, the subadvisor or the third-party administrator of your employer's qualified retirement plan.

TD AMERITRADE Trust Company and ValMark Advisers, Inc. are separate, unaffiliated companies.

TD AMERITRADE Trust Company is a non-depository trust company, acts as a custodian and/or directed trustee and is not a member of FINRA/SIPC. TD AMERITRADE Trust Company is a subsidiary of TD AMERITRADE Holding Corporation. TD AMERITRADE is a trademark jointly owned by TD AMERITRADE IP Company, Inc. and The Toronto-Dominion Bank. © 2009 TD AMERITRADE IP Company, Inc. All rights reserved. Used with permission.