You determine the investment mix of your individual account. You may choose to invest the money in your account among several investment funds available to you through the Annuity Plan. If you do not elect how you want your account balance invested, your entire account balance will be invested in the Fidelity Freedom Fund year that ends within five years after you reach age 65.

To elect or change how your individual account is invested, contact Fidelity Retirement Services Specialists at 1-866-84UNION (1-866-848-6466) or log into your Net Benefits account at www.fidelity.com/atwork.

Your enrollment packet will contain instructions for establishing a Personal Identification Number (PIN), which you will need to elect or change your investment options.