This statement of the Fund’s personnel policies and procedures provides an overview of the Fund’s general rules, policies, operating procedures and benefits programs currently in effect for employees.

The Fund may modify or change any or all such rules, policies, procedures or plans, in whole or in part, at any time, with or without notice. Every effort will be made to publicize all changes as soon as possible.

In the event that a specific benefit plan provision conflicts with this employee handbook, the benefit plan document will prevail.