Money can be withdrawn from the Plan in these events:

• Attainment of age 59½

• Death

• Disability

• Severance from employment

• Financial hardship -- Hardship withdrawals may be made from salary reduction contributions only, not from earnings on those contributions.

• In addition, you must begin taking distributions the later of attainment of age 70½ or severance of employment.

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. Be sure to talk with your tax advisor before withdrawing any money from your plan accounts.

The Plan is intended to help you put aside money for your retirement. However, your 403(b) Plan includes a feature that lets you borrow money from your account.

• The amount the Plan can loan to you is limited by rules under the Federal tax law. All loans will be limited to the lesser of: one-half of your vested account balance or $50,000.

• The minimum loan amount is $1,000.

• All loans must generally be repaid within five years unless used for the purchase of your principal residence.

Unpaid loan amounts will be taxed as ordinary income and may incur a 10% federal tax penalty if you are under age 59½.

Other requirements and limits must be met prior to borrowing money from your account. For additional information regarding loans, please see your financial advisor.

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.