INVESTMENTS DIRECTED BY PARTICIPANTS. If the Employer elects under Section 17 of the Adoption Agreement to permit Participants to direct the investment of their Accounts, each Participant shall have the right to direct the Trustee with respect to the investment of his or her Account. Investment directions shall not be effective unless made in such manner as may be prescribed by the Trustee. A Participant who directs the investment of his or her Account shall not by reason thereof be deemed a fiduciary with respect to the Plan and the Trustee, Plan Administrator and other fiduciaries shall not be liable for any losses resulting from the purchase, sale or retention of any assets which are purchased, sold or retained at the direction of a Participant. Once a Participant assumes direction of the investment of his or her Account, the Trustee shall not thereafter be responsible for the investment of his or her Account until the Participant notifies the Trustee in writing that the Trustee is to assume investment responsibility for his Account. Income, expenses, gains and losses, realized and unrealized, attributable to a Participant's investment direction shall not be considered in adjusting the Accounts of other Participants, but shall be credited to such Participant's Account. A Participant may not cause his or her Account to acquire collectibles (as defined in Section 408(m) of the Code). For purposes of this Section, the term Participant shall be deemed to include a former Participant who is receiving benefits from the Plan.
