Stark Bank Group Enrollment Booklet

Portfolios

Total Annual Operating Expense

Average Annual Total Return As of 7/31/2017

Since Inception

Shareholder- Type Fees

Name/Type of Option

As a %

Per $1,000

1 year

5 year

10 year

Aggressive Growth ATTrend Series - Tactical Allocation ATDynamic Aggressive Growth Benchmark: Aggressive Growth

0.48% 0.54%

$4.80 $5.40

10.36% 14.25% 14.28%

- -

- -

8.67% 9.62%

None

10.72%

5.87%

Growth ATDynamic Growth Benchmark: Growth

0.54%

$5.40

11.77% 11.95%

-

-

8.40%

None

9.21%

5.62%

Moderate Growth ATDynamic Moderate Growth Benchmark: Moderate Growth Conservative Growth ATDynamic Conservative Growth Benchmark: Conservative Growth Conservative ATDynamic Conservative Benchmark: Conservative Benchmarks Benchmark: S&P 500 TR USD Benchmark: MSCI EAFE NR USD

0.53%

$5.30

8.47% 8.78%

-

-

7.00%

None

7.30%

5.36%

0.53%

$5.30

5.01% 5.70%

-

-

5.22%

None

5.30%

4.85%

0.53%

$5.30

1.71% 2.50%

-

-

3.32%

None

3.45%

4.30%

16.04% 17.77% -0.03%

14.78%

7.74% 1.46% 3.82%

- - -

9.06% 1.67%

Benchmark: BBgBarc US Govt/Credit Interm TR USD

For additional information please see the Investment Disclosure section

No Bank Guarantee - Not FDIC insured - May lose value

Part II. Administrative Expenses (Effective October 1, 2017)

Plan-level Expenses All retirement plans have certain costs associated with the administration of the plan. This may include such items as recordkeeping participant accounts, compliance/legal aspects, as well as trustee and managing of plan assets. These fees are not reflected in the Total Annual Operating Expense of the designated investment alternatives listed above and may be charged directly to the account of the plan participants. The expenses listed below relate to the administration of your plan and may be charged against the assets of the plan. Any fee charged to the plan will be allocated on a pro rata basis (as a percentage of assets). For example, if your plan incurs a $5,000 fee and the plan in total has $1,000,000 in assets, the fee will be 0.5% (5,000/1,000,000). If you have an account balance of $20,000, your share of the fee will be $100 (20,000 x 0.5%). In certain situations, your plan sponsor may pay a portion of these fees. Any fee charged directly to your account will be reflected on your quarterly participant statement. Applied to Plan Asset Fee: covers the cost of Trustee, Investment Management, and Account Management services to your plan. American Trust Base Fee 0.0026% Charged to your account American Trust Asset Schedule Fee 0.0187% Charged to your account Direct Service Partner Asset Fee 0.0000% Charged to your account Recordkeeping Fee: covers the cost of maintaining the participant records, processing contribution payrolls, producing plan level reports, participant statements, etc. Per Participant Fee $2.08 Invoiced to your plan sponsor Compliance Fee: covers the cost of compliance related services such as preparation and maintenance of the plan’s document and Summary Plan Description (SPD), preparing the plan’s annual tax filing form and ensuring the plan maintains overall compliance with IRS and DOL rules. Compliance Fee 0.0026% Invoiced to your plan sponsor 3(16) Administration Service Fee: covers the cost of Plan Administrative duties as defined under ERISA Section 3(16) and may include Distribution Oversight (reviewing and approving distributions based on the provisions of the plan document, IRS/DOL rules and established procedures) or Reporting and Disclosures (signing and filing the plan’s annual Form 5500). Distribution Oversight Fee N/A N/A Reporting and Disclosures Fee N/A N/A Calculating your fees: to calculate the estimated fees charged to your account monthly follow the calculation below Active Employees Multiply 0.000212 by your monthly account balance and add $0.00 Inactive Employees Multiply 0.000212 by your monthly account balance and add $0.00 The plan level expense fees are calculated on a monthly basis; however, the Reporting and Disclosure Fee may be charged annually. To determine the annual fee, multiply the estimated monthly rate by 12. If the plan document permits payment of plan expenses from forfeitures, they may be used to offset fees invoiced to your plan sponsor as well as charged to your account. Individual Expenses In addition to the plan-level expenses, your account may be charged certain expense on an individual basis. For example, if you elect to receive a distribution from your account, you may be charged a distribution processing fee. The chart below lists all potential individual expenses that may be applied to your account based on the provisions of your plan and elections you make. Plan Level Expense Estimated Monthly Rate