The Annuity Fund Trust Agreement allows that once a year each participant be given the opportunity to make a selection on the money held for more than two years in the Annuity Fund. As an example participants with a 1997 balance will receive an Option Election Statement in the year 2000 and 1998 balances will be available in 2001.... Each year an Annual Option Election Statement is mailed to each participant that has an account balance for the option year. Participants need to review the statement and any additional information provided before making any decision concerning their money.