Start now to help build your retirement nest egg by investing in your employer's retirement plan. The 403(b) retirement plan with VALIC makes it easy for you to invest for your future. The plan allows you to take advantage of the following features:

• Convenient automatic contributions by salary reduction

• Pretax contributions, which reduce current income taxes

• No initial sales charge

• Tax deferral of earnings and interest

Income taxes are payable upon withdrawal and federal withdrawal restrictions and a 10% federal tax penalty may apply to early withdrawals prior to age 59½.

There are many benefits to your plans including:

• Mutual funds, managed by well-known investment management firms, and a fixed-interest option

• Contributions invested as you choose among available investment options

• Multiple payout options at retirement

Investment return and principal value may fluctuate so that investments may be worth more or less than their original cost.

To view or print a prospectus, click here. Click on "Funds" in Quick Links, and funds available to your plan are displayed. The prospectus contains the investment objectives, risks, charges, expenses and other information about the respective investment company that you should consider carefully before investing. Please read the prospectus carefully before investing or sending money. You may also request a copy by calling 1-800-448-2542.