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Trailing Returns as of 12/31/2017 1

What is the ATArchitect®? The ATArchitect is a proprietary, sustainable retirement strategy that automatically and systematically understands your financial needs, tracks your progress, and (re)allocates your funds to your best path. It adjusts your allocation between our five ATDynamic allocation funds based on personal characteristics, ATBlueprint ® calculations, and current market conditions. Your account is reviewed each week and, if necessary, ATArchitect will automatically reallocate your investments to the most appropriate fund. Why ATArchitect®? According to the National Institute on Retirement Security’s 2013 research report, “The Retirement Savings Crisis: Is It Worse Than We Think?,” more than two-thirds of near- retirement households are at risk of falling short at retirement. Most participants are not aware of the serious nature of their savings deficit until it is too late. Even for those who have time, information, and the resources to manage their account, it can be difficult to accomplish. Retirement planning is hampered by a lack of participant awareness and affordable, customizable management of accounts. After extensive research, the ATArchitect was created to bring an unbiased and automated management tool which utilizes back tested technology and concepts. It creates a higher level experience and measurable results exclusively for our clients. Simply put, ATArchitect is the next level of participant account management. ATArchitect® concepts Age-only allocation invests your money based on your age alone. These types of investing models (ex. Lifestyle or Target Date funds) do not consider other factors which greatly impact your decisions, and your money is only moved when you reach a certain age range. ATArchitect considers not only your age, but other measurements from your ATBlueprint ® including contributions, compensation, current balance, your state of residency, other retirement accounts, Social Security, market conditions, and more. Current account balance and new contributions ATArchitect can separate your current account balance and new contributions and invest them differently based on market conditions and investment principles, such as trend analysis and dollar cost averaging.

Age 29 and under

YTD 1 Yr

3 Yrs

5 Yrs Incep 2

ATArchitect 20 17.97% 17.97% Relative Age 20 18.17% 18.17%

- -

- 16.63% - 15.97%

Age 30-39

YTD 1 Yr

3 Yrs

5 Yrs Incep 2

ATArchitect 30 18.11% 18.11% Relative Age 30 15.66% 15.66%

- -

- 15.85% - 13.61%

Age 40-49

YTD 1 Yr

3 Yrs

5 Yrs Incep 2

ATArchitect 40 17.44% 17.44% Relative Age 40 11.99% 11.99%

- -

- 14.18% - 10.51%

Age 50-59

YTD 1 Yr

3 Yrs

5 Yrs Incep 2

ATArchitect 50 13.19% 13.19% Relative Age 50 8.31% 8.31%

- -

- -

9.69% 7.13%

More than Age 60

YTD 1 Yr

3 Yrs

5 Yrs Incep 2

ATArchitect 60 8.71% 8.71% Relative Age 60 4.67% 4.67%

- -

- -

6.43% 3.92%

Keep up-to-date with your ATArchitect ® results by logging into your account at americantrustretirement.com.

1 ATArchitect Composite Returns are gross of plan related fees (non-investment related), but net of investment related expense and any applicable ATArchitect fees of 0.15%. 2 Since inception date of 2/2016.

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