Stable Value funds are a conservative investment option available only to defined contribution plans. Stable value funds focus on the preservation of capital, retaining the value of your investment regardless of what stock or bond markets are doing. Although similar to money market funds, stable value funds offer slightly higher yields without little additional risk. Stable value funds invest in fixed income securities and wrap contracts offered by banks and insurance companies. Wrap contracts generally provide a protected return even if the underlying investments decline in value. Stable value funds are not FDIC-insured or guaranteed.

Inflation Protection funds invest in a diversified array of assets that may help offset inflationary pressures. These assets include but are not limited to U.S. Treasury inflation-linked securities, commodities, real estate investment trusts, gold and other securities. The funds seek long term real (net of inflation) returns to preserve the future purchasing power of accumulated assets. You could lose money over short or long periods by investing in this fund and returns may not keep pace with inflation.

Bond Funds invest primarily in fixed income securities which are similar to IOUs. The short-term risk of bond funds is relatively low. However, over time, the value of a bond is affected by interest rates, inflation and other factors.

U.S. Stock Funds invest primarily in stocks issued by U.S. companies. The short-term risk of investing in stocks has been much higher than bonds. However, over long periods of time, stocks have generally performed better than bonds.

Foreign and Global Stock Funds invest primarily in stocks issued by foreign companies. Compared to U.S. stocks, foreign and global stocks are affected by additional risk factors such as foreign laws and regulations, differences in accounting practices, political and currency risks. Over the long-term, foreign and global stocks have provided additional diversification benefits.

The Self-Directed Brokerage Account (SDBA) allows you to invest in thousands of different investment options in addition to the Investment Plan's primary investment funds. To participate in the SDBA you must maintain a minimum balance of $5,000 in the Investment Plan's primary investment funds and initial and subsequent transfers into the SDBA must be at least $1,000. An SDBA is for experienced investors and is not suitable for all members. There are risks associated with many of the investments in the SDBA and you assume the full risk and responsibility for the investments you select.