Participants can reallocate existing holdings among the Program investment options on a daily basis. Reallocations are based on the net asset value of each fund. An account reallocation does not affect the way in which future contributions are invested.

Participants can reallocate their account by accessing the website at https://www.abaretirement.com or by calling the Customer Service Center at 800.348.2272Note: due to the 45-day transfer restriction on the International All Cap Equity Fund and the International Index Equity Fund, account reallocations that include these funds cannot be performed online or through the automated voice unit. However, Customer Service Associates can assist with the account reallocation by telephone.

The Advisory Services can help participants decide the investment allocation that will help them achieve their retirement goals. Professional Management is available at 800.348.2272, Monday through Friday from 8 a.m. to 8 p.m. ET.