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©Alerus Financial.

Recordkeeping, trustee, and/or custody services are provided through Alerus Retirement and Benefits, a division of Alerus Financial, N.A. (Alerus), which does not provide legal or tax advice.

The information contained herein is general in nature and is provided for educational purposes only. The information should not be relied upon as investment advice or solicitation. Statements of fact are considered reliable but no representation or warranty is made as to their completeness or accuracy. Always consult your legal or tax advisor, to determine how this information may apply to your own situation.

Investment products are:

NOT A DEPOSIT

NOT FDIC INSURED

NOT GUARANTEED BY BANK

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

MAY GO DOWN IN VALUE

For the RMS EasyPlan PEP: Alerus is Pooled Plan Provider (PPP) and Recordkeeper, MassMutual is 3(38) Investment Manager, and Access Retirement Solutions is the Plan Sponsor and Named Fiduciary. Alerus, MassMutual and Access Retirement Solutions are separate entities and are not affiliated.