SECTION V. SELF-DIRECTING YOUR INDIVIDUAL ACCOUNT

While the Trustee Directed portfolio continues to be actively managed by Dodge & Cox, the Plan provides the option to self-direct the investment of all, or a portion, of the net assets credited to an individual account once you have satisfied certain requirements. Investment options include a wide range of mutual funds that vary from conservative capital preservation to more aggressive, growth investment approaches, allowing you to design an investment strategy that best suits your goals, time horizon and risk tolerance. A complete description of the Plan’s investment options and their performance, are available online at Fidelity NetBenefits at fidelity.com/atwork or by calling 1-866-84UNION.

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