Historically, until 6/30/2002, all investments within the plan were directed by the Board of Trustees who acted upon professional advice and used professional management of investments. Most of the plans assets are still managed in this way.

Some participants find that the investment strategy chosen for the collective assets of the plan by the trustees do not match either their personal financial situation or their individual tolerance for risk. For example, some participants may be willing to take on a greater level of risk in order to have the possibility of achieving higher investment returns.

Currently, you may elect to direct a portion or all of your plan balance yourself, instead of the trustees, provided that you complete a program of investment education, have aggregated at least $5,000 in your Individual Account, obtain your spouse's permission (if you are married), and formally make an election to direct your own investments.

Each year, the plan offers an investment education program which is designed to give you the necessary information and tools to manage your own investments. Since there are a variety of risks associated with each kind of investment, this is a critical safeguard which ensures that you understand the principles of prudent investment management. This includes, among other things, an understanding of the various asset classes available, the risk/return expectations of each, the nature of market volatility, and the design of an asset allocation appropriate to your individual circumstances and risk tolerance.

There are several advantages to self-direction:

• You will be able to choose from a wide range of investment options from Fidelity Investments and Dodge & Cox.
• You will have the flexibility to change the investments in your self-directed account as your needs change.