Investment Alternatives
Section 3.01. Investment Alternatives.

Effective August 17, 1998, the Trustees will establish various Investment Alternatives to be managed by the Trustees in accordance with the Trust Agreement.

Section 3.02. Additional Investment Alternatives.

The Trustees may, from time to time, establish additional Investment Alternatives and eliminate and change the name or nature of existing Investment Alternatives. Participants will be notified of the name and characteristics of each Investment Alternative established by the Trustees. Each Investment Alternative will be governed by the Statement of Investment Policy and Guidelines adopted by the Trustees.

Section 3.03. Selection of Investment Alternatives by Participants.

Effective August 17, 1998, each Participant may select, one time in each calendar quarter, the manner in which his Individual Account (as of the date of selection as well as the future Contributions to be made to his Individual Account) is to be invested by directing such amounts to be invested in one or more of the Investment Alternatives established by the Trustees. The selection of Investment Alternatives by Participants will be in accordance with rules established by the Trustees.

Section 3.04. Failure of a Participant to Affirmatively Select an Investment Alternative.

If a Participant does not affirmatively select any Investment Alternative, the Participant's Individual Account as well as the future Contributions allocated to the Participant's Individual Account will be invested in one or more Investment Alternatives designated by the Trustees. The Trustees will notify Participants of the manner in which a Participant's Individual Account will be invested in the event the Participant does not affirmatively select any Investment Alternative. Therefore, a Participant's failure to make an affirmative selection following notice of the designated Investment Alternative constitutes the selection of the Investment Alternative or Alternatives designated by the Trustees.

Section 3.05. Section 404(c) Plan.

The Plan is a plan described in Section 404(c) of the Employee Retirement Income Security Act (ERISA). Accordingly, the Trustees are not responsible for any losses that are the result of the investment choices of Participants or the failure of Participants to make investment choices.