You may allocate your contributions and your employer's contributions between any or all of the following investment funds:

• PIMCO Total Return Fund (PTRAX)
• Allianz NFJ Small-Cap Value Fund (A) (PCVAX)
• Mainstay Common Stock Fund (I) (MSOIX)
• Fidelity Advisor Mid Cap Fund (T) (FMCAX)
• Franklin Capital Growth Fund (A) (FKREX)
• MFS Total Return Fund (A) (MSFRX)
• Barclays LifePath Retirement Fund (STLAX)
• Barclays LifePath 2010 Fund (STLBX)
• Barclays LifePath 2020 Fund (STLCX)
• Barclays LifePath 2030 Fund (STLDX)
• Barclays LifePath 2040 Fund (STLEX)
• American Funds Europacific Growth Fund (REREX)

Your allocation must be in 1% increments.

For a complete description of each investment option please contact New York Life Benefits Complete at (800) 294-3575, Monday through Friday between 6:00 a.m. and 5:00 p.m. PT, or on the web at www.bcomplete.com.