Through the Plan's investment options, you have a choice of:

If you make an affirmative election to enroll in the Plan, you have to choose the investment options in which contributions to your accounts will be invested.

That investment election stays in place for all future contributions to those accounts until you make a change. You may make a change to your investment elections by filing a subsequent investment election in the form required by the Plan Administrator.

You may have different investment elections on file for contributions to your Before-Tax Contribution Account and/or Roth Contribution Account.* You may invest your contributions in one or more of the investment options in whole percentages totaling 100%.

If you are automatically enrolled in the Plan, your contributions will be automatically invested in the Plan's QDIA, which is the Plan's "target retirement date" fund consistent with your projected year of retirement. For this purpose, your projected year of retirement is the year you will become 65 years of age. If your age is not on file with the Plan, contributions will be invested in the target retirement date fund with a projected retirement date of 2025, if available. If the target retirement date fund with a projected retirement date of 2025 is not available, contributions will be invested in a target retirement date fund with a projected retirement date of 2030.

"Target retirement date" funds are a useful option for investors who want a diversified investment portfolio based on their targeted retirement date but who prefer not to make detailed or complicated investment decisions. The manager of a target retirement date fund changes the fund's investment mix gradually over time to reflect the changing risk tolerance normally associated with each stage of an average individual's life. In other words, the fund manager gradually shifts the fund's asset allocation over time to become more conservative as the target retirement year approaches.

BlackRock Fund Advisors (BFA) manages the Plan's target retirement date funds (the "BFA Life Path Funds"). The annual expenses charged by BFA are currently 0.05% (5 basis points) of amounts invested in any of the target retirement date funds. Additional fees may be charged by the Plan for administrative expenses.

Any funds (e.g., settlement proceeds and rollovers) received by the Plan in your name, for which you have not made an investment election, will also be invested in the Plan's QDIA, which is the Plan's "target retirement date" fund consistent with your projected year of retirement.

You are not required to stay in the BFA Life Path Funds. You can elect different investment fund options for future contributions and you can transfer all or a portion of your Plan balance to any of the other investment options at any time without financial penalties, subject to any trading restrictions imposed by the individual funds or by the Plan. For more information on these topics, see "Transfers and Reallocations."

For more detailed information on the BFA Life Path Funds (including specific information on the risk and return characteristics) or the other investment alternatives under the Plan, you can review the Lipper fund fact sheets available for each of the Plan's investment alternatives. Contact the Plan's website as instructed under "How to Contact the Plan."

For additional information on fees charged by the Plan and how to transfer your balances in the BFA Life Path Funds, contact the Plan's website as instructed under "How to Contact the Plan." If you do not have Internet access, you can call the Plan as instructed under "How to Contact the Plan" to request this information.

If you are an active employee with no breaks in service and have stopped contributing to the Plan, the investment election you had on file when you stopped contributing will be your investment election when you resume contributing to the Plan. If your investment election is no longer available when you resume contributing, your contributions will automatically be invested in the Plan's Default Investment Alternative until you make a change. Note: This rule does not apply to rehired employees, who will be treated like new hires for this purpose.