Horizon Capital Management, Inc. (the “Adviser”) uses a flexible investment strategy emphasizing capital preservation during periods of higher perceived risk and a more aggressive posture during periods of lower perceived risk. The Adviser employs an opportunistic long and/or short investment strategy in which the Fund invests in equity and/or fixed income securities through individual securities, exchange-traded funds (“ETFs”), and other investment companies, sometimes referred to in this Prospectus as “underlying funds.” The Fund seeks to avoid major declines and maximize profit potential during up-trends in the market. The Fund uses a flexible approach that focuses on risk-management in an effort to protect assets during periods of perceived high risk and grow assets during periods of lower risk. The Adviser uses a bottoms-up top-down approach to invest in fundamentally and technically sound companies in the top industries that appear to be under accumulation.

The equity securities in which the Fund may invest include large, small and medium-capitalization companies and issuers in the U.S. and emerging markets countries (including through the use of American Depositary Receipts). The Fund considers emerging market issuers to be those countries represented in the EAFE Emerging Markets Index. The Fund employs an aggressive management strategy that typically results in high portfolio turnover.

The Fund is managed according to BRI (Biblically Responsible Investing) standards and is pro-life and pro-family. BRI is the term used to describe the activities of Christian investors who purposely align their investment choices to support their Christian values. The Fund uses several tools, including the Inspire Impact ScoreTM, to assess whether potential investments are biblically responsive. The Fund seeks to only invest in the securities of companies that do not participate or support certain activities including abortion, pornography, human rights violations, LGBT activism, alcohol, gambling, tobacco and/or any additional screening criterion the tools use to evaluate now or in the future. For example, the Fund will not consider for investment any securities of companies that receives Inspire Impact Scores™ below zero (“Excluded Securities”). The Inspire Impact Score™, and the Inspire Investing name and logos are trademarks of Inspire Investing.

Fixed income securities in which the Fund may invest, directly or indirectly through ETFs and other investment companies, include corporate bonds, convertible bonds, foreign bond securities, municipal bonds, asset-backed securities, floating rate loans, and loan participation interests. These fixed-income securities may have varying maturities (e.g., long-term, intermediate or short-term) and credit qualities (e.g., investment grade or non-investment grade). The terms “investment grade” and “non-investment grade” refer to the credit quality of fixed-income securities as established by a recognized rating agency, such as S&P, Moody’s or Fitch. Securities that are rated lower than investment grade, high yield securities or “junk bonds,” could provide high income in an effort to compensate investors for their higher risk of default, which is the failure to make required interest or principal payments. The Fund may invest without limitation in high yield securities. The Fund may also invest in money market funds and ETFs with currency-related securities or strategies.

The Fund attempts to limit losses and manage risk by hedging and/or exiting positions when the Adviser believes that potential portfolio gains are not sufficient to justify the potential risk of loss. The Adviser attempts to identify and profit from market trends, making long investments for the Fund in areas of the market that have risen somewhat and appear to offer additional upside and short investments for the Fund in areas of the market which have begun to decline and appear likely to decline further. The Adviser attempts to identify changing market conditions based on proprietary technical analysis of trends, relative strength of various sectors of the markets as well as seasonal considerations. The Adviser uses a form of technical analysis known as “chart analysis” that attempts to identify assets offering above average risk-adjusted returns. The Fund’s portfolio is positioned in response to movements by particular indexes, market segments or even particular securities in an attempt to participate in a developing trend. The Adviser may attempt to anticipate market moves and initiate appropriate action in advance of actual market movements. When the Adviser has not identified to its satisfaction areas of the market in which it feels comfortable investing, whether long or short, the Adviser may invest a portion, or all, of the Fund’s assets in cash or cash equivalents for capital preservation.

The Fund’s tactical allocation strategy may result in the investment of a large portion of, or all of, the assets of the Fund in cash or cash equivalents at any given time to provide security of principal, current income and liquidity.