C. RESERVED POWER OF THE TRUSTEES OVER SELF-DIRECTED INVESTMENTS

Notwithstanding that the Trustees are not responsible for your investment selections, the Trustees will continue to monitor the performance of the funds they have selected as your self-directed investment alternatives. If the Trustees become aware of regulatory or other difficulties with a particular fund, the Trustees will take steps up to and including removing the fund from the approved list of investment alternatives in order to protect you from potential losses. If the Trustees determine that a particular fund’s problems are of such import that emergency action is necessary, the Trustees may cash out any self-directed investments in the affected fund and place those investments in some other appropriate investment.