While the EF Smart Plan portfolios are designed to maximize returns and safeguard the interests of all employees, we recognize that some participants may prefer to choose their own investments.

Those interested in designing their own portfolios may select their own investments and trade on demand by setting up an Employee Fiduciary Self-Directed Account. While many
401(k) providers charge extra for the right to set up separate self-directed 401(k) accounts, we do not charge any additional fees.
   
  Participants can get all the benefits retail individual investors receive at Ameritrade,® while only paying its low institutional rates.
   
  Through exclusive arrangement with Ameritrade,® investors in our self-directed 401(k) plans can:
   
      Review investment advice from S&P®
    Track individual rates-of-return on their investments
    Trade bonds, mutual funds, ETFs and equities on demand