Core Income Enrollment Booklet

Core Income Advisors, LLC 401(k) Plan

Document Summary Part I of this document consists of performance information for the plan’s investment options, and fees associated with those investments. In addition, Part I shows how well the investments have performed in the past and compares the returns with an industry benchmark. Part II provides detailed information on the plan-level and individual fees that may be charged to your account. Part I. Investment Information Your plan gives you the right to direct the investment of your account balance. To make a change to your investment elections, log into your account at www.americantrustretirement.com; under Transactions, click Manage Investments ; under Change Elections, click Get Started . The table below provides a list of the Designated Investment Alternatives (options) available to you under the plan and how these options have performed over time. In addition, this table allows you to compare each investment type with an appropriate benchmark for the same timeframe. Past performance does not guarantee how the investment option will perform in the future, and your investment in these options could lose money. Information about an option’s principal risks is available in the investment’s fund fact sheet, as well as the fund’s prospectus. This information can be obtained by logging into your account at www.americantrustretirement.com or calling American Trust at 800.548.2994 or contacting your plan administrator. This table also provides the fee and expense information for each investment option. The Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. This expense is expressed as a percentage, as well as the cost per $1,000 of investment. The Shareholder-Type Fee is any fee charged against your investment for purchase and sale other than the Total Annual Operating Expenses.

Mutual Funds

Total Annual Operating Expense Average Annual Total Return As of 7/31/2017

Since Inception

Shareholder- Type Fees

Name/Type of Option

As a %

Per $1,000

1 year

5 year

10 year

Large Growth TIAA-CREF Large-Cap Gr Idx Instl

0.06%

$0.60

17.97% 18.05%

15.52% 15.60%

9.30% 9.36%

- -

None

Benchmark: Russell 1000 Growth TR USD Large Blend Vanguard 500 Index Admiral Benchmark: S&P 500 TR USD Large Value TIAA-CREF Large-Cap Value Idx Inst Benchmark: Russell 1000 Value TR USD Mid-Cap Growth Vanguard Mid-Cap Growth Index Admiral Benchmark: Russell Mid Cap Growth TR USD Benchmark: S&P MidCap 400 TR Mid-Cap Value Vanguard Mid-Cap Value Index Admiral Benchmark: Russell Mid Cap Value TR USD Small Growth Vanguard Small Cap Growth Index Admiral Benchmark: Russell 2000 Growth TR USD Small Value Vanguard Small Cap Value Index Admiral Benchmark: Russell 2000 Value TR USD Mid-Cap Blend Columbia Mid Cap Index Z

0.04%

$0.40

16.00% 16.04%

14.74% 14.78%

7.73% 7.74%

- -

None

0.06%

$0.60

13.71% 13.76%

13.91% 14.00%

6.15% 6.21%

- -

None

0.07%

$0.70

12.75% 13.39%

14.30% 14.60%

7.53% 8.30%

- -

None

0.20%

$2.00

14.44% 14.69%

14.90% 15.13%

8.96% 9.13%

- -

None

0.07%

$0.70

15.05% 12.69%

15.89% 15.32%

8.46% 7.99%

- -

None

0.07%

$0.70

14.22% 17.76%

13.48% 14.58%

8.46% 8.49%

- -

None

0.07%

$0.70

14.89% 19.21%

15.31% 13.76%

8.35% 6.94%

- -

None

International TIAA-CREF International Eq Idx Instl Benchmark: MSCI EAFE NR USD

0.06%

$0.60

18.33% 17.77%

9.35% 9.06%

1.74% 1.46%

- -

None

Emerging Markets TIAA-CREF Emerging Markets Eq Idx Instl Available until 10/25/2017 Fidelity® Emerging Markets Idx Premium Available after 10/26/2017

0.23% 0.13%

$2.30 $1.30

24.58% 24.13% 24.84%

4.71% 4.88% 4.76%

3.48%

-

None None

-

5.66%

Benchmark: MSCI EM NR USD Balanced Vanguard Balanced Index Adm

1.98%

-

0.07%

$0.70

9.12% 9.21%

9.59% 9.63%

6.87% 6.81%

- -

None

Benchmark: 60% S&P 500 - 40% Barclays Aggregate

Short-Interm Term Bond Vanguard Short-Term Bond Index Adm

0.07%

$0.70

0.26% -0.03%

1.15% 1.67%

2.85% 3.82%

- -

None

Benchmark: BBgBarc US Govt/Credit Interm TR USD

Interm-Long Term Bond Vanguard Total Bond Market Index Adm Benchmark: BBgBarc US Agg Bond TR USD

0.05%

$0.50

-0.69% -0.51%

1.93% 2.02%

4.40% 4.44%

- -

None

Stable Value American Trust Stable Value

0.20% 1

$2.00

1.74% 0.65%

1.55% 0.20%

1.97% 0.46%

- -

None

1 Represents fees paid to the underlying fund

Benchmark: USTREAS T-Bill Auction Ave 3 Mon