The Third Avenue Small Cap Value Fund was terminated and removed from the Diversified Small Company Stock Option on 3/6/12 due to the performance of this fund detracting from overall performance in this option. The new target allocation is 35% BlackRock Small Co. Index, 15% Dimensional US Micro Cap Portfolio, 15% Royce Opportunity, 15% Brown Capital Management Small Co., 10% Buffalo Small Cap and 10% Lockwell Small Cap Value. The assets from this fund were moved to the BlackRock Small Co. Index until the Board finds a replacement fund.

The CGM Focus Fund will be replaced with the Sequoia Fund (ticker – SEQUX) this month. This new fund is a better fot in the option and should provide improved performance. The new target allocation of the Value Stock Option is 20% BlackRock Value Index, 20% Neuberger Berman Partners, 20% T. Rowe Price Value, %15 JP Morgan Equity Income, 15% Goldman Sachs Mid cap Value Instl., 10% Sequoia.

The 2011 Year-end Review Heads Up Newsletter has been posted to Heads Up Library, under the Knowledge Center section of your DAP web site.

Holiday Greetings and Warmest Wishes to all of our particants this holiday season!

The JP Morgan Large Cap Value Fund has been replaced with the JP Morgan Equity Income Fund (ticker – OIERX) on 12/22/11  in the Value Stock Option.  In comparing the two funds, JP Morgan Equity Income Fund correlates better with the other funds in the option. It’s performance and yield have historically slightly exceeded that of JP Morgan Large Cap Value. The new target allocation of the Value Stock Option is 20% BlackRock Value Index, 20% Neuberger Berman Partners, 20% T. Rowe Price Value, 15% JP Morgan Equity Income, 15% Goldman Sachs Mid Cap Value Instl. and 10% CGM Focus.

Important information for DAP participants taking monthly distributions who are over age 70 1/2 and are required to take an annual MRD. Fidelity processed your MRD on December 12th. It is important for you to know that if the amount of your MRD distribution was larger than the amount you receive as a monthly distribution, then you will NOT be receiving your monthly distribution for December. If the amount of your MRD distribution was less than the amount you receive as a monthly distribution, then your December monthly distribution will be the difference between the MRD amount and your normal monthly distribution. In both scenerios, you will receive your normal distribution amount in January 2012. You may logon to www.401k.com to verify your distribution amounts or you can call the service center at 1-877-489-2327 ot the Plan Office at 314-739-7373.

On December 7, 2011  the share class of 27  investment options offered through the DAP changed from their current share class to Class K. As a result of this change, the fund codes, ticker symbols, and expense ratios changed. The new share class offers you the same investment strategy and risk, but the overall expense is  lower. Two new funds were added to the Fidelity Window – Fidelity Leveraged Company Stock – Class K and Fidelity Balanced Fund – Class K.

The DAP Board of Directors said goodbye to one of their long time members, Don Phillips, at the fourth quarter meeting held on December 1, 2011.  Mr. Phillips, Morningstar Director, had served the DAP as an outside board member for over twelve years and his service and contribution to the plan is greatly appreciated. Although there are big shoes to fill, the participants can rest assured that a search for his replacement is already underway.

As a remider to our over 70 1/2 participants, if you have not taken your 70 1/2 Required Minimum Distribution, Fidelity will automatically process the RMD around December 15, 2011.