Participant Investment Self-Direction Investment of the Plan's assets is generally the responsibility of the Trustees. While the Trustees will make every attempt to preserve the assets of the trust fund and to secure a favorable investment return, no guarantee is made as to the rate of return, if any, that will be achieved. Investments made by the Trustees may also involve some risk to the principal of the trust fund, and to the extent such risk materializes in losses, the principal amount of the trust is subject to reduction. The Plan permits Participants to invest their Accounts in several investment categories established by the Trustees and is intended to be a participant-directed account plan in compliance with Section 404(c) of the Employee Retirement Income Security of 1974, as amended ("ERISA"). Accordingly, Plan fiduciaries, including the Trustees, will be relieved of liability for any losses which are the direct and necessary result of investment instructions given by Participants. To the extent any Participant fails to select an investment category where required, the Trustees will select a default investment category, but the Trustees will not be entitled to the relief described in the paragraph immediately above. Any initial Participant investment instruction will be made in writing on forms provided by the Fund office and will be made in such manner and at such times as determined by the Trustees. Pre-tax contributions, Rollover Contributions and contributions attributable to Flexible Benefits Plan credits are subject to Participant direction. Any subsequent change in Participant investment instruction will be made by telephone or electronically and can be made on a daily basis in such manner as determined by the third-party services provider acting as custodian for investments under the Plan and by the Trustees. Each Participant will receive:    a description of, and information about, all investment alternatives, with a general explanation of investment objectives, risk and return characteristics and the type and diversification of their portfolio assets prior to the date the Participant is permitted to give investment instructions (and in the event a material change in such information occurs);    descriptions of any transaction fees and expenses charged in connection with purchases or sales of interests in any investment category in which his or her Account is invested; and    a copy of the most recent prospectus, either immediately before or following the Participant's initial investment in any investment alternative subject to the Securities Act of 1933.    In addition, upon written request, the Trustees will, to the extent available, provide a Participant with the following additional information: (1)   A description of the annual operating expenses of an investment category, including any management fees and which is expressed as a percentage of average net assets of the designated investment category; (2)   A copy of the prospectus, financial statement and report, and any other materials provided to the Plan relating to an investment category; (3)   A listing of the assets of each investment category, a statement of the value of each such asset (or the proportion of the investment category which it comprises) and, with respect to each such asset which is a fixed rate investment contract, the name of the issuer of the contract, the term of the contract, and the rate of the return on the contract; (4)   The value of shares or units in an investment category including information about the past and current investment performance of such investment category; and (5)   A statement, given not more frequently than quarterly, concerning the values of shares or units in investment categories held in the Account of the Participant or beneficiary. Further details concerning investment direction and a description of the investment categories available under the Plan will be provided upon request. For each calendar quarter, each Participant will receive a report reflecting the investment performance and a statement of the value of his or her own interest in the Plan.