Core Income Enrollment Booklet

CONTACT INFORMATION

The Core Income Advisors, LLC 401(k) Plan offers you a way to save for retirement. In managing your account, you may want to make changes or request money from your account based on the available options outlined in your Summary Plan Description.

The chart below will help outline what to do and who to contact for the transaction you wish to make on your account.

Transaction Request

Action Needed

Who to Contact

Complete a Salary Deferral Change Form

Your Plan Administrator

Salary Deferral Change : Increase, decrease, or revoke your salary deferral election Address Change : Updating your account address on file Beneficiary Update : Establish or change the beneficiary on your account Account Rollover : Keep your prior accounts tax free by rolling money into the plan from a previous employer or account Loans : As an employee, you may be able to borrow money from your account without paying income taxes provided you pay it back on time In-service withdrawals : If you are still employed, you may be able to withdraw money from your account which will be subject to income taxes and may be subject to penalty taxes Hardship withdrawals : If you are still employed, you may be able to withdraw money from your account for certain hardship situations which will be subject to income taxes and may be subject to penalty taxes Distributions : If you are no longer employed, you have options available for withdrawing your account.

Complete a Change of Information Form

Your Plan Administrator

Complete a Beneficiary Form Your Plan Administrator

Complete a Rollover Form

Your Plan Administrator

Complete a Loan Request Form American Trust & Savings Bank

Complete withdrawal paperwork American Trust & Savings Bank

Complete withdrawal paperwork American Trust & Savings Bank

Complete distribution paperwork American Trust & Savings Bank

Access your account online or call the phone number below

American Trust & Savings Bank

Investment Updates : Changing how your accounts are invested

You can contact American Trust & Savings Bank at:

895 Main Street Dubuque, IA 52001 800.548.2994 www.americantrustretirement.com

Address:

Phone: Website:

Effective 8/1/2014