6 To direct the investment of your individual account among the different investment options, call John Hancock at 833-38-UNION (833-388-6466) or access the website at https://myplan.johnhancock.com/login. The Plan allows you to change your investment options as often as once a day. However, there may be other rules that apply to each investment option that could limit your ability to change investment options daily. You should consult the relevant summary for each investment option. If changes are received before 4:00 p.m. ET on a New York Stock Exchange ("NYSE") business day, they will be made that day. However, you should also bear in mind that some of the investment options put limitations on how often you may go into or out of that option in order to prevent abuse. You should consult the relevant documents about each investment option you are considering to determine if there are any other investment selection rules. Additionally, because you have the ability to choose how your individual account is invested, you will be responsible for any losses or gains resulting from your choice of investments. To the extent allowed by law, the Trustees of the Plan are not responsible for any losses that may result from the investment choices you make. The Plan is intended to comply with Section 404(c) of the Employee Retirement Income Security Act of 1974 (“ERISA”) and Title 29 of the Code of the Federal Regulations Section 2550.404(c)-1. This means that the Trustees of the 401(k) Plan are not liable for any investment losses that are the result of the investment choices that you make. Are There Any Fees Associated with the Plan’s Investment Options ? Yes. Each investment option has an expense ratio, which represents the fees associated with your investment option. Expense ratios in connection with a particular investment option generally are deducted before the value of the investment is reported. You can learn the rate of these charges for any investment fund by calling 833-38-UNION (833-388-6466), or by accessing the website at https://myplan.johnhancock.com/login and requesting a summary for that fund. Transaction fees may also apply. Are There Any Other Fees Associated with the Administration of the Plan? Yes. Administrative expenses may be charged to Individual Accounts. However, effective January 1, 2012, the Plan’s administrative expenses have been reimbursed fully out of the expense ratio deductions from your investment options, and no administrative expenses have been charged to Individual Accounts. Finally, if you apply for a loan or a hardship withdrawal, there will be a one-time administrative fee. When Can I Receive Benefits from the Plan? You can receive a retirement benefit when you are at least age 55, permanently leave employment with all participating employers, and file an application for benefits. You can receive a separation benefit when you leave all employment with participating employers and file an application for benefits. You must have quit, been discharged, or been placed on a layoff that is not temporary. You can receive a disability benefit if you are totally and permanently disabled. You are considered totally and permanently disabled if you are entitled to receive a disability pension from any other qualified pension plan sponsored by the Contributing Employer or the Trustees or from any government plan. You must apply for a disability benefit and provide proof of your disability. Benefits from the Plan are in addition to any Social Security or other retirement benefits to which you are entitled. Withdrawal of any after-tax contributions sub-account or rollover sub-account may be made at any time.