Stark Bank Group Enrollment Booklet

Transaction

Fee 0.15% of your total assets

Applied to Plan

ATArchitect (optional election)

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

Distribution Processing

Charged

$75 $75 $80 $ 2 0

Installment Distribution (annual fee)

Charged

Loan Application

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

N/A

N/A

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 ATCapital Management, and affiliate of American Trust, sub-advises the investment management of the ATDynamic and ATTrend collective investment trust funds. 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.