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American Trust - HCM Conservative

Jun 30, 2018

Howard Capital Management, Inc. (“HCM”) provides professional money management services. The vision for HCM originated during the 1987 stock market crash. With the opinion that incurring financially devastating losses due to market volatility is unnecessary, HCM initiated a plan with a main objective to protect capital during turbulent times. After years of research, HCM developed a disciplined, systematic, non-emotional method of investing designed with the goal to protect assets. In 2000-2002 as the market dropped, HCM reduced exposure to stocks through this proprietary method. During another downturn in 2008, HCM’s intermediate term indicator, the HCM-BuyLine® signaled to exit the stock market. Consequently, client assets moved to the safety of the sidelines during much of the decline. Operating since 1999, HCM continues to offer a stop/loss approach to assist clients with various investment endeavors.

Hypothetical Initial $100,000 Investment (Inception of 01/01/2004 to 06/30/2018)

500,000

375,000

250,000

125,000

2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

HCM Conservative

S&P 2%, Barclays 98%

INCEP 01/01/04 to 06/30/18

Trailing (%)

Trailing (Annualized %)

Annual (%)

Returns

1 MO 3 MO YTD 1 YR 3 YR 5 YR INCEP 2013 2014 2015 2016 2017 0.50 1.83 1.01 7.54 6.74 6.99 11.03 6.37 5.80 0.58 7.02 12.69 -0.11 -0.08 -1.53 -0.11 1.94 2.50 4.00 -1.41 6.11 0.61 2.85 3.89

HCM Conservative

S&P 2%, Barclays 98%

Metrics

1 YR 3 YR 5 YR 4.22 5.11 5.18 2.31 2.59 2.64 0.19 0.20 0.31

HCM-BuyLine® The HCM-BuyLine® is a strategic proprietary indicator used to assist in determining when and how much to invest in equities. Through a technical approach, the broad trend in the equity market is identified. When the trend is down, exposure to equities is reduced, and, when the trend is up, exposure to equities is increased. When out of the market, the investment will be in cash and cash equivalents. Performance data shown in this presentation represents past performance. Past performance does not guarantee future results. Current performance may be lower or higher than the performance quoted. Indexes are unmanaged and one cannot invest directly in an index. See the attached Disclosure Statement.

Standard Deviation (HCM Model %) Standard Deviation (Benchmark%)

Beta

Model Allocation

American Trust - HCM Conservative trades mutual funds with an approximate target ratio of 2% Equity/98% Bond. This allocation may vary at the discretion of the manager.

Equity Bond

Model Strategy

By using the proprietary HCM Buy-Line®, the strategy seeks capital preservation during times of market distress. Trend analysis is used to decide when to move away from securities and into cash and cash equivalents. During positive market trends, equity portion of this strategy seeks to participate in all domestic markets and sectors. Multiple indicators are monitored to identify developing trends in the markets. The bond portion of this strategy typically seeks to participate in domestic markets and sectors (but may on occasion trade global funds) using a strategy that rotates among short-, medium-, and long-term bonds; high-yield bonds; corporate bonds; and treasuries. The portfolio is rebalanced periodically, and it is possible for the allocation to be adjusted when the HCM-BuyLine® indicates a strengthening or weakening in the equity markets.

Active Management

HCM actively manages this strategy by using a systematic, non- emotional methodology. The weighted average of the expense ratios of the funds in the model is 0.39%.

Benchmark Information

The comparative benchmark is S&P 500 Monthly Reinvested Index (2%), Barclays Capital US Aggregate Bond TR Index (98%). See attached Disclosure Statement for additional information.

This presentation is solely for use on a one-to-one basis by current and prospective clients and their investment professionals.

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