Highlights & Fund Information

Plan Highlights & Fund Information Acrisure, LLC Reinventing Retirement

PLAN HIGHLIGHTS ACRISURE 401(K) SAVINGS PLAN EMPLOYEE ELIGIBILITY ENTRY DATES Employees must be age 21 and have completed 30 days of service. The first of the quarter coincident with or next following the date you met the eligibility requirements above. EMPLOYEE CONTRIBUTIONS You may contribute the maximum as allowed by the IRS. These contributions may be made as regular deferrals (pretax) or Roth deferrals (after-tax). You may reduce to 0% at any time. ROLLOVER CONTRIBUTIONS EMPLOYER CONTRIBUTIONS You may be permitted to rollover into the plan distributions received from other plans and certain IRAs. Acrisure, LLC may make a matching contribution based on eligible compensation you contribute to the plan. The match is currently 100% of the first 3% of compensation you defer. This amount may be changed by the employer. VESTING SCHEDULE INVESTMENT INFORMATION All contributions are always 100% vested. A complete list of investment options and detailed fund information, including mutual fund prospectuses, can be found by logging into Alerus online at alerusrb.com or by calling 800.795.2697. For newly eligible employees the information is provided in your enrollment kit or is available upon request. If you do not implement investment direction, any contributions made to the plan on your behalf will be invested in the plan s default investment. You may change your investment allocation at any time by utilizing the Alerus website or phone service. Redemption fees may apply to some of the investment options. This information is available on the Alerus website. This plan is intended to be an ERISA Section 404(c) plan. This means that you exercise control over some or all of the investments in your plan account. The fiduciaries of the plan may be relieved of liability, or responsibility, for any losses that you may experience as a direct result of your investment decisions. WITHDRAWAL PROVISIONS You may withdraw money from the plan by taking a loan, attaining age 59½, upon hardship (as defined by the IRS), or upon termination of employment. The information in this Plan Highlights is based on information taken from the Plan Document as of a certain point in time and is being provided for your convenience. It should not be relied upon in place of your Summary Plan Description or Plan Document. This Plan Highlights represents terms of the Plan as of the date noted. Any subsequent changes to the Plan provisions will impact the ongoing accuracy of this Plan Highlights. Please see your Summary Plan Description or Plan Document for more complete information. If there is a conflict between a statement in this Plan Highlights and the Plan Document, the terms of Plan Document shall govern. customer service 800.433.1685 website www.alerusrb.com

Roth 401(k) Contributions Questions and answers to help you decide More than three out of 10 households, or 40.2 million, owned IRAs as of 2015.* Retirement savers found the tax-free nature of the Roth IRA, and the fact that there are no required minimum withdrawals, very attractive. Now, if you don t qualify for a Roth IRA, or just want to save more for retirement, you can take advantage of many Roth features inside your 401(k) plan. The combination of regular 401(k) and Roth 401(k) contributions is a powerful tool for enhancing your retirement savings outlook. The new Roth 401(k) feature in your plan allows you to invest after-tax dollars (allowing them to grow on a taxdeferred basis) and take qualifying distributions tax-free. The following questions and answers will help you decide if Roth 401(k) contributions are right for you. What is the difference between regular 401(k) contributions and Roth 401(k) contributions? When you participate in your 401(k) plan, you are electing to defer receiving part of your pay and placing it in a retirement savings plan. You instruct your employer to put that deferral amount into a plan account for you. When you make a regular 401(k) deferral, the amount is taken out of your pay on a pre-tax basis. The tax is deferred until your account is distributed to you, at which time your contributions and investment earnings are subject to income tax. A Roth 401(k) contribution is made on an after-tax basis, meaning that you ve already paid current income tax on it. Since it was taxed at the time of deferral, it won t be taxed again when it is later distributed to you. And if you meet several qualifications, the investment earnings on your deferrals will not be taxed when you receive them. So, the earnings can be tax-free, not just tax-deferred. Who is eligible to make these contributions? If you are eligible to contribute to your 401(k) plan, you are eligible to make Roth 401(k) contributions. Can I make both pre-tax 401(k) contributions and Roth 401(k) contributions at the same time? Yes. Your plan s recordkeeper will maintain separate accounts for these two types of contributions. * The 2016 Investment Company Fact Book, 56th edition (c) 2016, Investment Company Institute. Can I have a Roth IRA and also make Roth 401(k) contributions to my 401(k) plan? Yes. How do the Roth IRA and Roth 401(k) contribution limits differ? In 2017, you may contribute $5,500 to a Roth IRA, plus $1,000 as a catch-up contribution if you are at least age 50. In your 401(k) plan, you can contribute up to $18,000 in 2017 (plus $6,000 as a catch-up if you re at least age 50). The key point is that your pre-tax 401(k) contributions and your after-tax Roth 401(k) contributions both count toward the $18,000 limit in 2017 ($24,000 if eligible to make a catch-up contribution). Is there an income limitation for making Roth 401(k) contributions? No. You are not eligible to contribute to a Roth IRA if your gross income exceeds certain limits, but those income restrictions do not apply to Roth 401(k) contributions. Turn over for more information >>>>

When must I designate a deferral as a Roth 401(k) contribution? You must designate your contribution as a Roth 401(k) contribution at the time the deferral is made. As a practical matter, you will need to complete and submit the proper form to your plan administrator in order to begin making Roth 401(k) contributions. Your designation of contributions as Roth 401(k) deferrals is irrevocable. This means that you may not change your designation of specific contributions as Roth 401(k) contributions after they ve been made to the plan. You may, of course, change your contribution rate and any split between regular 401(k) contributions and Roth 401(k) contributions as often as the plan permits. See your Plan Highlights for more information. Is there a vesting schedule applied to my Roth 401(k) deferrals? No, because you are always 100% vested in your own contributions, just like your regular 401(k) deferrals. Will my Roth 401(k) contributions be eligible for any company match? Employers may or may not match Roth 401(k) contributions. Check with your Plan Administrator. Can I convert my pre-tax 401(k) contributions to Roth 401(k) contributions? Yes, you may convert some or all of your pre-tax amounts at any time, if your plan permits such conversions. Unlike a Roth IRA, conversions within the plan are irrevocable. Will distribution of my Roth 401(k) contributions be non-taxable? The distribution of your contributions will be tax-free, since you already paid income tax on them when they were made to the plan. In order for the earnings on those contributions to be taxfree, they must be distributed only after you reach age 59 1 2, you become disabled, or your death. Also, your Roth 401(k) contributions must have been in the plan for at least five years from when you first made a Roth 401(k) contribution. When does the five-year period start? The five-year period begins on the 1st day of the year in which you make your first Roth 401(k) contribution. Contributions made in a later year do not start a new fiveyear waiting period. What happens to my Roth 401(k) contributions when I terminate employment? Your Roth 401(k) account balance may be rolled over into a Roth IRA of your choice, or to another employer s 401(k) plan if that plan accepts Roth 401(k) deferrals. To receive your distribution tax-free, it must be made more than five years after your Roth 401(k) account was established and your distribution must be on account of attainment of age 59 1 2, death or disability. If you do not roll over your Roth 401(k) account or meet the tax-free distribution requirements in the previous sentence, your investment earnings may be subject to income tax. If you are under age 59 1 2 you may also have an early distribution penalty of 10%. Will I have to take required distributions of my Roth 401(k) contributions beginning at age 70 1 2? Yes. Like your regular 401(k) contributions, you must begin taking minimum distributions from your Roth 401(k) account at age 70 1 2. (Note that a Roth IRA has no mandatory distribution requirement.) Can I withdraw the earnings on my Roth 401(k) contributions to use them to buy my first home, without tax or penalty? No. That provision is available only in Roth IRAs. If you have additional questions, contact your Plan Administrator or Benefits Representative. Kmotion, Inc., P.O. Box 1456, Tualatin, OR 97062. www.kmotion.com Kmotion, Inc., 2017. This is a publication of Kmotion, Inc., whose role is solely that of publisher. The information presented here is for general information only, and is not intended to provide specific tax, investment or other advice or recommendation to any individual. Nothing in this publication shall be construed as providing investment counseling or directing employees to participate in any investment program in any way. You should always consult your financial advisor or other qualified professional for guidance regarding your individual situation.

Acrisure 401(k) Savings Plan This document contains important information concerning our retirement plan. The first section provides you with information about the plan in general, including any expenses you might incur through participation in the plan or through taking advantage of different plan features. The second section provides information about the plan's investment alternatives, including any fees or expenses associated with those investments. If you have questions concerning any of this information, contact Plan Administrator, Acrisure, LLC or 5664 Prairie Creek Dr, Caledonia, MI 49316. Plan Information The Plan is intended to be an ERISA Section 404(c) plan. This simply means that you "exercise control" over some or all of the investments in your Plan account. The fiduciaries of the Plan may be relieved of liability, or responsibility, for any losses that you may experience as a direct result of your investment decisions. As a Plan participant, you may request certain information from Plan Administrator's Representative Alerus Retirement Solutions, Suite 400, Two Pine Tree Drive, Arden Hills, MN 55112, Phone: 800 433 1685. This information includes: annual operating expenses of the Plan investments; copies of prospectuses, financial statements, reports, or other materials relating to Plan investments provided to the Plan; a list of assets contained in each Plan investment portfolio; the value of those assets and fund units or shares; and the past and current performance of each Plan investment. You may direct the investment of your account by logging in to your account at www.alerusrb.com or using the plan s Voice Response Unit by calling 1 800 795 2697. You must have a user identification number and password to access these systems. Generally, investment directions submitted by 3:00 p.m. Central Time on days when the major stock exchanges are open for business will be reflected in your account based upon the value of the investment as of market close. Generally, investment directions submitted after 3:00 p.m. Central Time, on weekends or holidays will be reflected based upon the next business day s value. Other Plan Information Alerus shall execute and deliver to the Plan Sponsor, any vote or proxy relating to securities held by the Plan's trust. Alerus shall vote such securities only to the extent and as directed by the Plan Sponsor or, if applicable by an appointed investment manager. Other Plan related Expenses Retirement plans have different types of expenses. Administration expenses These are charges for services such as legal, accounting and recordkeepingexpenses. In our Plan, these expenses are paid partly by the Plan, partly by the Plan sponsor, and partly by participants. A participant's share of these expenses is allocated on both a pro rata and a per capita basis. Certain fees may be applied pro rata (i.e., your share of these expenses is based on the value of your account balance over the total assets in the Plan) while others, may be applied per capita (i.e., your share of these expenses is determined by dividing the total expense by the number of participants in the Plan). Your employer pays the following general plan expenses: Alerus Annual Administration Fee: $5,000, Alerus Annual Electronic 5500 Filing Fee: $50. In the event that your employer did not pay these amounts, they would be deducted from your account pro rata. Your account is charged a pro rata share (your account value/total plan value) of the following general plan expenses: Alerus Annual Compliance Service Fee: 0.05%, Annual Advisor Fee Chesme Capital Management: 0.40%. Your account will be charged the full amount of the following expenses: Alerus Annual Compliance Service Fee: $8 per participant, Alerus Annual Recordkeeping Fee: $50 per participant. Some mutual funds held by the Plan may make periodic revenue sharing

payments to Alerus. Upon receipt of revenue sharing, Alerus will credit it to the participant s account based upon the investment which generated it. Small Account Balance Fee. Terminated participants with balances smaller than the current distribution fee may be charged a small account balance fee equal to the current distribution fee listed in this disclosure Forfeitures will be used towards paying Plan administration expenses. Individual expenses These are expenses you may incur if you take advantage of certain Plan features. Loans A $100 processing fee for each new loan will be charged to your account. Qualified Domestic Relations Order (QDRO) The following QDRO related expenses will be charged to your account: A $250 processing fee for each domestic relations order Distributions The following distribution related expenses will be charged to your account: A $50 processing fee for each type of distribution requested Other Expenses You may incur certain charges for: Additional overnight charge: $35 Wire transfer fee: $20

Acrisure 401(k) Savings Plan Investment Options 06/30/2017 This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the specific Internet Web site address shown below or you can contact your Plan Administrator. A free paper copy of the information available on the Web site[s] can be obtained by contacting Plan Administrator, Acrisure, LLC 5664 Prairie Creek Dr, Caledonia, MI 49316. Document Summary This section has two parts. Part I consists of performance informationfor plan investment options. This part shows you how well the investments have performed in the past. Part II shows you the fees and expenses you will pay if you invest in an option. Part I. Performance Information Table 1 focuses on the performance of investment options that do not have a fixed or stated rate of return. Table 1 shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an option s principal risks is available on the Web site[s]. Each investment in the table also has a "benchmark". The benchmark allows you to compare an investment's performance to the performance of a widely used collection of investments. While you cannot invest in a benchmark, the performance of the benchmark will give you an idea of how well the investment did in the same time period. Name Table 1 Variable Return Investments Average Annual Total Return as of 06/30/2017 1 yr. 5 yr. 10 yr./ Since Inception* Inception Date Benchmark 1 yr. 5 yr. 10 yr./ Since Inception* STOCK DFA Emerging Mkts. Core Equity Portfolio (I)/Diversified Emerging Mkts 21.94% 4.69% 2.77% 04/05/2005 23.75% 3.96% 1.91% MSCI Emerging Markets NR Index 23.75% 3.96% 1.91% MSCI Emerging Markets NR Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=35503 DFA International Core Equity Portfolio (I)/Foreign Large Blend 22.73% 9.95% 1.93% 09/15/2005 20.45% 7.22% 1.13% MSCI All Country World ex US NR Index 20.45% 7.22% 1.13% MSCI All Country World ex US NR Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=35573 DFA International Small Company Portfolio (I)/Foreign Small/Mid Blend 24.07% 12.26% 3.69% 09/30/1996 20.49% 10.68% 2.38% MSCI World ex US SMID NR Index 20.45% 7.22% 1.13% MSCI All Country World ex US NR Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=06476 DFA U.S. Large Cap Value Portfolio (I)/Large Value 20.86% 16.13% 6.25% 02/19/1993 15.86% 13.82% 5.25% S&P 500 Value Index 17.90% 14.63% 7.18% S&P 500 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=02092 DFA U.S. Small Cap Value Portfolio (I)/Small Value 21.86% 13.97% 5.89% 03/02/1993 21.79% 15.44% 7.59% S&P 600 Value Index 22.47% 15.47% 8.44% S&P SmallCap 600 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=03208

Name Vanguard 500 Index Fund (Adm)/Large Blend Table 1 Variable Return Investments Average Annual Total Return as of 06/30/2017 1 yr. 5 yr. 10 yr./ Since Inception* Inception Date Benchmark 1 yr. 5 yr. 10 yr./ Since Inception* 17.85% 14.59% 7.18% 08/31/1976 17.90% 14.63% 7.18% S&P 500 Index 17.90% 14.63% 7.18% S&P 500 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=05004 Vanguard Growth Index Fund (Adm)/Large Growth 20.14% 14.86% 8.80% 11/02/1992 19.30% 15.24% 8.97% S&P 500 Growth Index 17.90% 14.63% 7.18% S&P 500 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=06700 Vanguard Mid Cap Growth Fund (Inv)/Mid Cap Growth 15.51% 11.61% 7.18% 12/31/1997 17.90% 14.61% 9.24% S&P 400 Growth Index 18.57% 14.92% 8.56% S&P MidCap 400 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=17871 Vanguard Mid Cap Index Fund (Adm)/Mid Cap Blend 17.25% 14.78% 7.48% 05/21/1998 18.57% 14.92% 8.56% S&P MidCap 400 Index 18.57% 14.92% 8.56% S&P MidCap 400 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=17982 Vanguard Mid Cap Value Index Fund (Adm)/Mid Cap Value 17.96% 15.67% 7.58% 08/17/2006 18.47% 14.98% 7.75% S&P 400 Value Index 18.57% 14.92% 8.56% S&P MidCap 400 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=x8502 Note on Performance: Performance for this investment for the period prior to 09/27/2011 is based on a different share class for the investment. Vanguard REIT Index Fund (Adm)/Real Estate 1.93% 9.28% 6.18% 05/13/1996 0.31% 10.06% 6.43% S&P 1500 REIT Industry Index 18.78% 10.54% 3.71% MSCI All Country World NR Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=17979 Vanguard Small Cap Growth Index Fund (Adm)/Small Growth 19.03% 12.91% 7.84% 05/21/1998 22.90% 15.46% 9.26% S&P 600 Growth Index 22.47% 15.47% 8.44% S&P SmallCap 600 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=x8420 Note on Performance: Performance for this investment for the period prior to 09/27/2011 is based on a different share class for the investment. Vanguard Small Cap Index Fund (Adm)/Small Blend 19.14% 14.13% 7.83% 10/03/1960 22.47% 15.47% 8.44% S&P SmallCap 600 Index 22.47% 15.47% 8.44% S&P SmallCap 600 Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=06770 BOND BlackRock High Yield Bond Fund (I)/High Yield Bond 12.73% 7.05% 7.26% 11/19/1998 12.70% 6.89% 7.67% Bloomberg Barclays U.S. Corporate High Yield Index 0.31% 2.21% 4.48% Bloomberg Barclays U.S. Aggregate Bond Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=14451

Name Table 1 Variable Return Investments Average Annual Total Return as of 06/30/2017 1 yr. 5 yr. 10 yr./ Since Inception* Inception Date Benchmark 1 yr. 5 yr. 10 yr./ Since Inception* DFA Inflation Protected Secs. Portfolio (I)/Inflation Protected Bond 0.89% 0.22% 4.51% 09/18/2006 0.63% 0.27% 4.27% Bloomberg Barclays U.S. Treasury TIPS Index 0.63% 0.27% 4.27% Bloomberg Barclays U.S. Treasury TIPS Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=32163 DFA Intermed. Gov. Fixed Income Portfolio (I)/Intermediate Government 2.53% 1.62% 4.65% 10/19/1990 1.25% 1.07% 3.39% Bloomberg Barclays U.S. Government Intermediate Index 2.18% 1.30% 3.93% Bloomberg Barclays U.S. Government Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=29420 DFA One Year Fixed Income Portfolio (I)/Ultrashort Bond 0.63% 0.54% 1.34% 07/25/1983 0.44% 0.14% 0.50% Bloomberg Barclays U.S. Treasury Bill 1 3 Month Index 0.31% 2.21% 4.48% Bloomberg Barclays U.S. Aggregate Bond Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=23480 Metropolitan West Tot. Return Bond Fund (I)/Intermediate Term Bond 0.25% 3.49% 6.00% 03/31/1997 0.31% 2.21% 4.48% Bloomberg Barclays U.S. Aggregate Bond Index 0.41% 2.29% 4.57% Bloomberg Barclays U.S. Government/Credit Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=07539 Templeton Global Bond Fund (R6)/World Bond 10.60% 3.88% 6.47% 09/18/1986 2.18% 0.78% 3.69% Bloomberg Barclays Global Aggregate Index 2.18% 0.78% 3.69% Bloomberg Barclays Global Aggregate Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=xc280 Note on Performance: Performance for this investment for the period prior to 05/01/2013 is based on a different share class for the investment. Vanguard Short Term Invest. Grade Fund (Adm)/Short Term Bond 1.31% 2.15% 3.29% 10/29/1982 0.35% 0.95% 2.30% Bloomberg Barclays U.S. Government/Credit 1 3 Year Index 0.41% 2.29% 4.57% Bloomberg Barclays U.S. Government/Credit Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=14424 BLENDED

Name Vanguard Balanced Index Fund (Adm)/Allocation 50% to 70% Equity Table 1 Variable Return Investments Average Annual Total Return as of 06/30/2017 1 yr. 5 yr. 10 yr./ Since Inception* Inception Date Benchmark 1 yr. 5 yr. 10 yr./ Since Inception* 10.59% 9.57% 6.55% 11/09/1992 11.39% 8.28% 4.60% S&P Target Risk Growth Index 18.78% 10.54% 3.71% MSCI All Country World NR Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=05427 CASH/STABLE VALUE Vanguard Federal Money Market Fund (Inv)/Money Market Taxable 0.46% 0.14% 0.61% 07/13/1981 0.44% 0.14% 0.50% Bloomberg Barclays U.S. Treasury Bill 1 3 Month Index 0.44% 0.14% 0.50% Bloomberg Barclays U.S. Treasury Bill 1 3 Month Index Additional information may be found at: www.dolfeedisclosure.com?c=alerus&f=07350 *Fund and benchmark returns are from the fund's inception for funds less than 10 years old. Part II. Fee and Expense Information Table 2 shows fee and expense information for the investment options listed in Table 1. Table 2 shows the Total Annual Operating Expenses of the options in Table 1. Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. Table 2 may also show Shareholder type Fees. These fees are in addition to Total Annual Operating Expenses. Name / Type of Option STOCK DFA Emerging Mkts. Core Equity Portfolio (I) 0.53% $5.30 DFA International Core Equity Portfolio (I) 0.30% $3.00 DFA International Small Company Portfolio (I) 0.53% $5.30 DFA U.S. Large Cap Value Portfolio (I) 0.37% $3.70 DFA U.S. Small Cap Value Portfolio (I) 0.52% $5.20 Table 2 Fees and Expenses Total Annual Gross Operating Expense As a Per % $1000 Shareholder Type Fees Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days. Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days. Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days. Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days. Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days.

Name / Type of Option Vanguard 500 Index Fund (Adm) Vanguard Growth Index Fund (Adm) 0.06% $0.60 Vanguard Mid Cap Growth Fund (Inv) 0.36% $3.60 Vanguard Mid Cap Index Fund (Adm) 0.06% $0.60 Vanguard Mid Cap Value Index Fund (Adm) 0.07% $0.70 Vanguard REIT Index Fund (Adm) 0.12% $1.20 Vanguard Small Cap Growth Index Fund (Adm) 0.07% $0.70 Vanguard Small Cap Index Fund (Adm) 0.06% $0.60 BOND BlackRock High Yield Bond Fund (I) 0.62% $6.20 DFA Inflation Protected Secs. Portfolio (I) 0.12% $1.20 DFA Intermed. Gov. Fixed Income Portfolio (I) 0.12% $1.20 DFA One Year Fixed Income Portfolio (I) 0.17% $1.70 Table 2 Fees and Expenses Total Annual Gross Shareholder Type Fees Operating Expense As a Per % $1000 0.04% $0.40 Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days. Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days. Excessive trading policy: Exceeding 1 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period may result in restricted trading for 90 days.

Name / Type of Option Metropolitan West Tot. Return Bond Fund (I) 0.44% $4.40 Templeton Global Bond Fund (R6) 0.58% $5.80 Vanguard Short Term Invest. Grade Fund (Adm) 0.10% $1.00 BLENDED Vanguard Balanced Index Fund (Adm) 0.07% $0.70 CASH/STABLE VALUE Vanguard Federal Money Market Fund (Inv) 0.11% $1.10 Table 2 Fees and Expenses Total Annual Gross Operating Expense As a Per % $1000 Shareholder Type Fees Excessive trading policy: The fund limits purchases or exchanges into a fund after 2 round trip(s) (purchase and redeem shares within the fund's short term trading period) in a rolling 30 day period. 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 http://www.dol.gov/ebsa/publications/401k_employee.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. Please visit http://www.investmentterms.com/ for a glossary of investment terms relevant to the investment options under this plan. This glossary is intended to help you better understand your options.

Acrisure 401(k) Savings Plan Qualified Default Investment Notice To: Plan Participants From: Plan Sponsor Date: July 28, 2017 1. Right to direct investment. You have the right to direct the investment of contributions (defined as deferrals, and if applicable, company match, profit sharing, and rollovers) to any of the investment choices available under the Plan. We have provided you with a description of each of these choices. If you have lost or misplaced this information please contact us to request a new copy. 2. Circumstances under which contributions will be invested on your behalf. If you fail to provide investment direction regarding any of your contributions, then the Plan will invest the contribution in a default investment on your behalf. We have provided you with separate instructions regarding how to direct your investments. If you have lost or misplaced this information, please contact us to request a new copy. 3. Description of Default Investment. The Plan uses the following default investment option: Vanguard Balanced Index Adm. Accompanying this notice is a fact sheet for the default investment. A fact sheet provides a summary of the default investment's objectives, fees and expenses, and risk and return characteristics. In addition, if the default investment is a mutual fund, you may obtain the fund s complete prospectus by logging onto your account at alerusretirementsolutions.com. The prospectus contains important detailed information about the fund. 4. Right to alternative investment. Even if the Plan invests your contributions in the default investment, you have the continuing right to direct the investment of your account in one or more of the other investment choices available to you. You may change your investments at any time at alerusretirementsolutions.com or (800) 795-2697. 5. Further investment information. You can obtain further investment information about the Plan s investment alternatives other than the default investment by contacting the Plan Administrator at: 5664 Prairie Creek Dr Caledonia, MI 49316 You may also contact the Alerus Retirement Solutions Call Center at 800-433-1685. Page 1 of 1 QDIA 11/2015

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This Plan Highlights and Fund Information guide is for informational and planning purposes only. It is neither intended to be, nor should be construed as, investment or legal advice. The Plan Document has more details about your Plan. The information contained in this guide cannot change the terms or conditions of the Plan. For additional information, contact your Plan Administrator. Not FDIC Insured No Bank Guarantee May Lose Value Past performance is not necessarily indicative of future results. The Fund s investment return and principal value will fluctuate, so that an investor s shares, when redeemed, may be worth more or less than their original purchase price. The total return set forth may reflect the waiver of a portion of the Fund s advisory or administrative fees for certain periods since the inception date. In such instances, and without waiver of fees, total return would have been lower. If you have any questions or concerns about retirement planning or the investments, contact your Plan Administrator. KMI-021-0409-9343 7/28/2017