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Choose the Right Strategy

Now that you have an understanding of the basics of investing, let’s use this knowledge to choose an investment line-up that works for you. You have three options: manage your own investments, have a professional manage your portfolio for you, or have ATArchitect ® tactically manage it for you.

Investment Options Active Platform

You Choose and Manage

Investment Choices

OppenheimerDevelopingMarkets HartfordSmallCapGrowth T.RowePriceMid-CapGrowth T.RowePrice LargeGrowth ColumbiaMidCap Index MFS Instl InternationalEquity PrudentialSmall-Cap Value VictorySycamoreEstablished Value Vanguard500 IndexAdmiral AmericanBeacon Large Value American FundsAmericanBalanced BlackrockHigh YieldBond LoomisSaylesCorePlusBond VanguardShort-Term Inv-GradeAdmiral American TrustStable Value

HigherRisk

A hands-on approach to investing.

• Enjoy researching investments, reading prospectuses, and matching individual funds to your goals

Reward

• Have the time to monitor your portfolio

LowerRisk

Investment Facts

• Are confident in your abilities to build your own portfolio mix, diversify your investments, and use asset allocation effectively

The following pages detail the investments that youmay choose to invest in your retirement program.Whenmaking investmentdecisions, consider the lengthof timeuntil retirement, other investments (i.e.mutual funds,CDs, spouse’s retirementplan), andhowmuch risk you arewilling to take.

• Are comfortable making decisions when buying and selling your funds, and rebalancing your account during times of market volatility

895MainStreet,Dubuque, IA 52001 800.548.2994 americantrustretirement.com

Click here to view the list of investments available to you.

Choose from a list of investments from the following asset categories:

• Large Growth • Large Blend • Large Value • Mid-Cap Growth • Mid-Cap Blend

• Mid Cap Value • Small Growth

• Balanced Fund • Short-Interm Bond • Interm-Long Term Bond • High Yield Bond • Stable Value

• Small Value • International • Emerging Markets

You Choose a Managed Portfolio

Actively managed for you.

• Don’t have the time to manage your investments

Managed Alloca ti on Funds If you choose a managed portfolio, click here to determine which portfolio is best for you.

• Prefer investment professionals to allocate your funds, but you can still monitor your account and make changes to your risk level when needed

• Comfortable in choosing a portfolio that best fits your risk level and time horizon

• Prefer all research, trades, balancing, and all transational activities be made for you