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These AFTER TAX salary reduction plans are offered through companies and organizations and are a convenient method for their employees to fund IRAs, ROTH IRAs and EDUCATIONAL IRAs.

There is no cost to the employers regarding these plans.

The amount of systematic salary reduction for funding these plans is determined exclusively by the employees.

All participation in these plans is strictly voluntary.

Participants can start, stop, restart funding as employees elect.

Participants are ALWAYS 100% vested in these plans.

The plans require NO IRS reporting, no discrimination test, no top heavy testing.

These plans do not interfere with other existing or potentially existing company or organization retirement type plans.

Employers can elect to have one, some or many families of mutual funds, variable annuities as the funding vehicles for these IRAs, ROTH IRAs and EDUCATIONAL IRAs.

In addition to IRAs, ROTH IRAs, and EDUCATIONAL IRAS, other systematic investment plans into mutual funds and variable annuities can be offered to employees.

Participants exclusively decide on the investment selection and allocation with their own IRAs, ROTH IRAs and EDUCATIONAL IRAs.

All plan enrollment information and materials is directly provided to potential participants.

Employers can structure plan or limit plan such that one, some or all employees can voluntarily participate.

IRS determined plan(s) eligibility and potential deductibility (IRA) is determined at the time employees enroll in plan(s).

Employees consider these type plans as a employee benefit and a very convenient way to fund their IRAs, ROTH IRAs, EDUCATIONAL IRAs, and other systematic plans.

All Mutual Funds, Variable Annuities and Variable Life Insurance policies are offered by prospectus ONLY. For complete information including charges and expenses obtain a prospectus, and read it carefully before you invest.

Mutual Fund, Variable Annuity and Variable Life prospectuses are available directly from the issuing companies, when product information is requested, and in some cases, they be downloaded directly on the issuing company's internet website.

Systematic and dollar cost averaging within Mutual Funds, Variable Annuities and Variable Life insurance policies does not assure a profit and does not protect against loss in declining markets. It involves continuous investment in securities regardless of fluctuating prices and the investor should consider his or her financial ability to continue purchases through periods of low price levels.

Investing in stocks, bonds, mutual funds and variable annuities does not guarantee a profit.

All of these investments can lose money.

For specific information on how we can assist you in addressing a wide range of payroll deduction ira related issues and concerns, please complete and transmit the form found below.

The amount of systematic salary reduction for funding these plans is determined exclusively by the employees.

All participation in these plans is strictly voluntary.

Participants can start, stop, restart funding as employees elect, by notifying your payroll department.

Participants are ALWAYS 100% vested in these plans.

These plans do not interfere with other existing or potentially existing company or organization retirement type plans that your organization might have.

Employees can elect to chose to participant in one or some of the mutual funds and or variable annuities made available by the employer as the funding vehicles for these IRAs, ROTH IRAs and EDUCATIONAL IRAs.

In addition to IRAs, ROTH IRAs, and EDUCATIONAL IRAS, employees can voluntarily elect to participate in other systematic investment plans into the mutual funds and variable annuities offered through this program.

Participants exclusively decide on the investment funding selection and allocation within their own IRAs, ROTH IRAs and EDUCATIONAL IRAs.

All plan enrollment information and materials is directly provided to potential participants. IRS determined plan(s) eligibility and potential deductibility (IRA) is determined at the time employees enroll in plan(s).

These plans are a very convenient way to fund your IRAs, ROTH IRAs, EDUCATIONAL IRAs, and other systematic plans.

ALL salary deduction plans are made on AN AFTER-TAX BASIS ONLY.

Partial of full deductibility of IRA salary reduction contribution is dependent on IRS rules regarding other retirement plan participation, coupled with income levels.

IRA, if deductible, is deducted when you file your personal tax return for the year.

Eligibility for ROTH IRA and EDUCATIONAL IRA is dependent on IRS rules regarding your income level.

All Mutual Funds, Variable Annuities and Variable Life Insurance policies are offered by prospectus ONLY. For complete information including charges and expenses obtain a prospectus, and read it carefully before you invest.

Mutual Fund, Variable Annuity and Variable Life prospectuses are available directly from the issuing companies, when product information is requested, and in some cases, they be downloaded directly on the issuing company's internet website.

Systematic and dollar cost averaging within Mutual Funds, Variable Annuities and Variable Life insurance policies does not assure a profit and does not protect against loss in declining markets. It involves continuous investment in securities regardless of fluctuating prices and the investor should consider his or her financial ability to continue purchases through periods of low price levels.

Investing in stocks, bonds, mutual funds and variable annuities does not guarantee a profit.

All of these investments can lose money.