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$1,500,000,000+ as of 6/30/13

$1,500,000,000+ as of 6/30/13. Seeks to protect through all market cycles. The importance of the full market cycle. (Illustration) . Introducing the Flexible Leaders Portfolios A Flexible Plan Investments offering on the American Trust 401(k) platform. Methodology .

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$1,500,000,000+ as of 6/30/13

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  1. $1,500,000,000+ as of 6/30/13

  2. Seeks to protect through all market cycles

  3. The importance of the full market cycle (Illustration)

  4. Introducing the Flexible Leaders Portfolios A Flexible Plan Investments offering on the American Trust 401(k) platform

  5. Methodology Follows a quantitative, rules-based, disciplined process for portfolio construction, back testing, monitoring, and implementation Built upon a framework that combines momentum-based active management, with Flexible Plan’s proprietary Targeted Volatility Analysis process

  6. Annual returns for key indices (1993–2012) Source: Callan Associates, 2013

  7. Annual returns for key indices (1993–2012) 14 out of 20 years, the previous year’s leader was in the top half of performers the following year. Source: Callan Associates, 2013

  8. Value Added with Flexible LeadersUsing the periodic chart’s Market Leaders as the foundation • The Evolution Fund Ranking System identifies the top mutual funds available at American Trust, creates a robust allocation among them and moves the portfolio monthly into more offensive or defensive funds • Targeted Volatility Analysis seeks to target an acceptable level of volatility for each client’s portfolio based on answers to the suitability questionnaire • Create portfolios to match your clients’ risk profiles • GOAL: Outperform both a fixed allocation portfolio and a lifestyle fund with less risk

  9. Flexible Leaders Utilizes no-load mutual funds chosen for retirement plan participant investment on the American Trust platform Invests in the leading mutual funds (equity (domestic and international), fixed income, and alternative investments) according to our Evolution ranking procedure In addition to price momentum or trend, Evolution Fund Ranking considers volatility, correlation, and the probability of price trend persistency in making the % allocation to each fund Money market funds are ranked with all the other funds to allow a move to 100% defensive position in volatile markets Designed to rebalance monthly with weekly monitoring

  10. Targeted Volatility Analysis (TVA)How it works • Establishes a volatility comfort level for each portfolio • Utilizes varying allocations to the bond portfolio to reduce the volatility of the remainder of the portfolio

  11. TVA – How It Works We target a level of volatility for the portfolio and then use the bond portfolio to maintain it for each suitability profile.

  12. Historical vs. Future Volatility “The Table shows the correlation between different periods of historical and future volatility, since 1970.” Michael Stokes, Market Sci blog, April 9, 2010.

  13. Selecting a portfolio

  14. Disclosures This presentation is provided for information purposes only and should not be used or construed as an indicator of future performance, an offer to sell, a solicitation of an offer to buy, or a recommendation for any security. Flexible Plan Investments, Ltd. cannot guarantee the suitability or potential value of any particular investment. Advisor provides suitability-based profiles designated Conservative, Moderate, Balanced, Growth and Aggressive. Clients should draw no conclusions from such titles. They are simply a way of designating the hierarchical ranking of the portfolios within the Flexible Leaders program. They are not meant to imply any ranking within some universal risk measure or benchmark, nor are they equivalent to a client’s subjective concept of the term. Flexible Plan Investments, Ltd. charges no separate advisory fee on these accounts. It receives a sub-advisory fee of .40% annually, payable by American Trust quarterly in arrears. Expenses of the funds are included to the extent they are reflected in the NAV. Other fees may apply. All expenses are required to be disclosed in each investment’s prospectus available from your financial representative and the product provider. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. Inherent in any investment is the potential for loss as well as profit. A list of all recommendations made within the immediately preceding twelve months is available upon written request. Information used and cited is from sources believed to be reliable but Flexible Plan cannot guarantee its accuracy. See FPI Form ADV Brochure for strategy descriptions and risk considerations. Because Flexible Plan strategies make use of publically traded mutual funds and exchange traded funds, investors should consider carefully information contained in the prospectus of these investments, including investment objectives, risks, charges and expenses. You can request a prospectus from your financial advisor. Please read the prospectus carefully before investing. Investment value will fluctuate, and shares, when redeemed, may be worth more or less than the original cost. Important Risks: Flexible Plan’s strategies are actively managed and their characteristics will vary among strategies. As a manager utilizing publically traded mutual funds and exchange traded funds, the strategy is subject to the risks associated with the funds in which it invests. Mutual fund and exchange traded fund values fluctuate in price so the value of your investment can go down depending on market conditions. International investing involves risks, including risks related to foreign currency, limited liquidity, less government regulation, and the possibility of substantial volatility due to adverse political, economic or other developments. These risks are often heightened for investments in emerging/developing markets or smaller capital markets. The two main risks related to fixed income investing are interest-rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the bond issuer will not be able to make principal and interest payments. Asset allocation strategies do not assure profit and do not protect against loss. Non-diversification of investments means that more assets are potentially invested in fewer securities than if investments were diversified, so risk is increased because each investment has a greater effect on performance. Investing in leveraged or inverse funds entail specific risks relating to liquidity, leverage and credit of the derivatives invested in by such funds, which may reduce returns and/or increase volatility. Active investment management may involve more frequent buying and selling of assets. While the strategy does utilize no load mutual funds with no transaction charges, and best efforts are employed to avoid short-term redemption charges, active managed strategies can still result in charges, especially when entering or exiting a strategy. If investing within an non-tax-deferred investment, Investors should consider the tax consequences of moving positions more frequently. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification cannot protect against all market risk.

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