Investment of Your Accounts All contributions to the UFCW Local 1776 and Participating Employers Retirement and Savings Plan are held in a trust fund created under the Plan. Currently, the Trustees offer eight investment alternatives from which you can choose. The Trustees have selected Prudential Financial Management Trust Company as the custodian for the funds. FUND #1   XV    Guaranteed Income Fund FUND #2   BM   Large Cap Value - LSV Asset Management Fund FUND #3   BG    Large Cap Growth - Wellington Management FUND #4   7D     Dryden  S&P 500 Index Fund FUND #5   VX    Mid Cap value - Integrity FUND #6   UM   Mid Cap Growth - TimeSquare Fund FUND #7   VZ     American Century real Estate Fund FUND #8   2Q    Oakmark Equity & Income Fund FUND #9   UG   Small Cap Value - Munder Capital Fund Prospectuses and additional information describing these investment options are available upon request by contacting Prudential financial  at 1-877-778-2100 or by visiting the website at www.prudential.com/online/retirement. You decide how your pre-tax contributions, contributions attributable to your Flexible Benefits Plan credits and Rollover Contributions will be invested among the available options. You may invest your contributions exclusively in any one option or divide them among the available options in multiples of 1% that total to 100%. Additional information regarding the investment of your Account is found under the heading "Participant Investment Self-Direction."