Enroll Cover

American Trust Fund LineUp Re�rement

As of 11/30/2017

Expense Ra�o

Ticker

1 Mo

Qtr

YTD

1 Year

3 Years

5 Years

10 Years

—

US OE Large Growth

2.55

7.25

26.87

27.69

10.53

15.25

8.19

1.12

T. Rowe Price Instl Large Cap Growth

TRLGX

2.34

8.42

37.89

38.43

15.59

19.89

11.49

0.56

—

US OE Large Blend

3.10

7.60

19.03

21.06

9.18

14.23

7.42

0.99

Vanguard 500 Index Admiral

VFIAX

3.07

7.65

20.45

22.83

10.88

15.71

8.29

0.04

—

US Fund Large Value

3.26

7.77

14.23

16.55

8.14

13.33

6.59

1.03

American Beacon Large Cap Value Instl

AADEX

2.07

7.77

14.73

16.83

7.65

13.89

6.60

0.60

—

US Fund MidCap Growth

2.93

8.49

23.29

23.75

9.19

13.95

7.65

1.22

T. Rowe Price Mid‐Cap Growth I

RPTIX

2.26

6.83

25.23

25.16

12.65

17.49

10.82

0.63

—

US Fund MidCap Blend

3.15

8.42

15.11

16.86

8.12

13.66

7.73

1.11

Columbia Mid Cap Index Inst

NMPAX

3.66

10.09

15.72

18.23

11.13

15.21

9.74

0.20

—

US Fund MidCap Value

3.35

7.85

11.94

13.86

7.97

13.48

7.77

1.15

Victory Sycamore Established Value I

VEVIX

3.07

8.19

14.81

15.78

12.46

16.64

10.72

0.69

—

US Fund Small Growth

2.72

9.66

21.22

22.34

10.67

14.45

8.38

1.29

Har�ord Small Cap Growth Y

HSLYX

1.37

7.68

18.79

20.16

10.58

15.99

10.47

0.83

—

US Fund Small Value

2.92

10.62

8.71

12.69

8.94

13.04

8.16

1.30

Pruden�al QMA Small‐Cap Value Z

TASVX

3.60

12.01

6.67

12.13

10.52

14.51

9.42

0.70

—

US OE Interna�onal

0.70

4.38

24.34

26.84

5.98

7.67

1.49

1.17

MFS® Instl Interna�onal Equity

MIEIX

0.67

4.62

26.36

29.51

6.70

8.53

4.15

0.71

—

US Fund Diversified Emerging Mkts

0.41

2.55

29.57

29.73

4.91

4.47

1.33

1.43

Oppenheimer Developing Markets I

ODVIX

‐0.50

2.41

31.41

31.10

4.34

5.62

4.37

0.88

—

US Fund Alloca�on50% to 70% Equity

1.38

3.84

12.13

13.56

5.32

8.03

5.40

1.16

American Funds American Balanced R6

RLBGX

1.49

4.38

14.24

15.54

8.16

11.31

7.45

0.29

—

US Fund ShortTerm Bond

‐0.17

‐0.16

1.62

1.80

1.27

1.12

2.29

0.76

Vanguard Short‐Term Investment‐Grade Adm

VFSUX

‐0.12

‐0.19

2.12

2.19

1.89

1.83

2.96

0.10

—

US Fund IntermediateTerm Bond

‐0.15

‐0.46

3.32

3.57

2.05

1.98

4.03

0.78

Loomis Sayles Core Plus Bond N

NERNX

0.16

0.16

4.81

5.19

2.50

2.91

5.94

0.39

—

US Fund High Yield Bond

‐0.24

0.83

6.07

7.92

4.18

4.83

6.40

1.05

BlackRock High Yield Bond K

BRHYX

‐0.06

1.51

7.88

9.81

5.03

6.40

7.82

0.53

— —

—

—

—

—

—

—

—

—

Stable Value Category Average

American Trust Stable Value*

0.16

0.49

1.68

1.83

1.69

1.56

1.88

0.20

Past performance may not be indica�ve of future results. *Represents the fees paid to the underlying fund. Incep�on date for the Goldman Sachs Absolute Return Tracker I is 5/1/2008. Incep�on date for the Oppenheimer Developing Markets I fund is 12/29/2011. Returns prior to that are from the fund's oldest share class. For a prospectus on the underlying fund of the Por�olios, contact American Trust & Savings Bank, 563‐582‐1841. You should read the prospectus, if available, carefully before inves�ng.