5 What Determines the Amount in My Individual Account? The amount in your individual account at the end of each business day is calculated as shown below: The amount in your individual account as of the end of the previous business day Investment gains for the day Investment losses for the day Any administrative expenses or other fees assessed that day Any contributions deposited that day Any benefit payments made that day How Do I Direct the Investment of My Individual Account? The Plan provides a variety of investment funds in which you may invest your individual account. The investment options currently available to you can be found in an insert with this booklet. If the insert is not included, please call the number at the end of this section or visit the website at https://myplan.johnhancock.com/login for the information. After reviewing a description of each investment option, you may direct that all or a portion of your individual account be placed in one or more of the investment options in whole percentages. If you do not direct the investment of your individual account, 100 percent of your account, plus any future contributions, will be invested in the Plan’s default investment alternative. The Plan’s default investment alternative is intended to meet the requirements of a “qualified default investment alternative” under U.S. Department of Labor regulations. You will receive an annual notice explaining the default investment alternative’s investment objectives, risk and return characteristics, and fees and expenses. To request additional information about the investment portfolios that make up each investment option, call John Hancock at 833-38-UNION (833-388-6466) or visit the website at https://myplan.johnhancock.com/login. You can also obtain a summary of each investment option, a description of the annual operating expenses of each investment option, copies of financial statements, information about the assets in each investment option, and information about the value of each investment option. + + - - - = The amount in your individual account at the end of each day