Core Income Enrollment Booklet

Transaction

Fee $75

Applied to Plan

Distribution Processing

Charged

Installment Distribution (annual fee)

N/A

N/A

Loan Application

$80 $ 2 0

Charged

Loan Maintenance (ongoing quarterly fee)

Charged

Domestic Relations Order Review

$200

Charged

Hardship Distribution Processing

$75

Charged

In-Service Withdrawal Processing

$75

Charged

Required Minimum Distribution Processing (RMD)

$75

Charged

Missing Participant Search

$25

Charged

In Plan Roth Conversion

$100

Charged

Check Issuance (per check)

$5

Charged

Wire Transfer

$30

Charged

Overnight Delivery

$50

Charged

Checks mailed to participants that are over $25,000 (required overnight delivery)

$50

Charged

Self Directed Brokerage Account

0.0025

1/12th of this rate is charged on a monthly basis

Any individual expense charged to your account will be reflected on your quarterly statement.

Fee Information The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor’s Web site for an example showing the long-term effect of fees and expenses at www.dol.gov/ebsa/publications/401kemployee.html. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. Investment Disclosures Hypothetical performance is NOT an indicator of future actual results and actual account results may differ. Changes to underlying investments, including funds being added and old funds being removed from the line-up, are reflected in the calculation as of month end. Premise Capital LLC ("Premise") is an investment manager who manages model portfolio strategies for investors who have selected on or more models. Portfolio returns are hypothetical returns for the corresponding time periods and are presented for informational purposes only. Premise began managing portfolios representative of this model on June 1, 2012. All portfolio returns illustrated were calculated using mathematical algorithms. Algorithms do not take into account subjective factors that may influence investment decisions. In addition, mathematical algorithms, attempt to identify when markets are likely to increase or decrease and identify appropriate entry and exit points. The primary risk of algorithms is that historical trends and past performance cannot predict future trends and there is no assurance that the mathematical algorithms employed are designed properly, updated with new data, and can accurately predict future market, industry and sector performance. The returns presented are gross of management fees and trading costs. The value of an investment portfolio depends on the amount of funds added, funds withdrawn, and investment return. In the case of an individual who is no longer adding funds to his portfolio, the relationship between the levels of funds withdrawn to the investment return determines the future value of investment portfolio. If one withdraws more cash out of the portfolio than the return (growth) of the investments, the future value of the portfolio will drop. Although Premise did not begin providing investment services until June 2012, the time period beginning in 2003 is selected because one can make reasonable assumptions in this time frame, and the data is readily available from public sources. To calculate simulated returns, Premise matched each portfolio asset class with the market index that was determined to most closely represent the applicable asset class. Had the current Premise model portfolio strategies existed, the live returns may have been materially varied from the index returns. It is not possible to invest directly in an Index. This simulated performance data is based on the most representative data of how the model portfolio could have performed in earlier periods. Risk and Return: The portfolios are designed only to provide investors with a reasonable estimate of potential portfolios risk assuming that the portfolios' future risk and return is similar to the portfolios' historical risk and return. The returns illustrated do not represent live accounts. The portfolios are composed of an asset allocation of Mutual Funds which may include equity, fixed income, and other asset classes. The risk and return characteristics of the Mutual Funds Portfolios pass through the model portfolio which results in the model portfolio which results in the models portfolio having its own risk and return characteristics. Past performance is not necessarily indicative of future performance. While Premise believes that the portfolios' historical returns may be representative of future returns, future returns may be lower. During the historical period, inflation, interest rates, and equity returns may be materially different relative to Premise's future expectations of performance. All investments involve risk. Principal is subject to loss and actual returns will be negative during some time periods. Returns are not guaranteed in any way and may vary widely from year to year. The Expense Ratio is the percentage of fund assets paid for operating expenses and management fees. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal, organizational, professional, registration, shareholder reporting, sub-advisor and transfer agency. The expense ratio does not reflect the fund's brokerage cost or any investor sales charges. In contrast to the gross expense ratio, the net expense ratio does reflect fee waivers in effect during the time period. The CIT expense ratio can include the weighted expense of the underlying funds, if applicable. The Morningstar information contained herein (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or redistributed; and (3) is not warranted to be accurate, complete, or timely. Other data provided is based upon information received from third parties, which is believed to be accurate, but no representation is made that the information provided is accurate and complete. All data is subject to change. No Bank Guarantee - Not FDIC insured - May lose value

To better understand your options, visit www.sparkinstitute.org for a glossary of investment terms relevant to the investment options under this plan.

For more information, please contact your American Trust representative at 800.548.2994.