You are taking action when it comes to your retirement future by enrolling in your
employer-sponsored retirement plan. The decisions you make today could have an impact on your financial security
at retirement. Itís important you understand the plan, the benefits and features, the investment offerings,
so you can make a more informed decision about your retirement future.
Enter the Plan Number or Billing Group Number and Verification Number in all CAPITAL LETTERS
as indicated in the enrollment materials you received.*
*(If you do not know your plan number and verification number, please contact your Benefits Manager.)
You should consider the investment objectives, risks, and charges and expenses of the investment options
offered through a retirement plan carefully before investing. The prospectus contains this and other information. Please read the prospectus carefully
before investing. You can obtain a free prospectus for the Fund and/or the separate account prior to making an investment decision or at any time by
contacting your local representative or calling at .
Variable annuities and mutual funds offered through a retirement program are long-term investments designed for retirement
purposes. If withdrawals are taken prior to age 59 1/2, a 10% federal penalty may apply.
Money distributed from the annuity will be taxed as
ordinary income in the year the money is received. Account values fluctuate
with market conditions, and when surrendered the principal may be worth more or less than its original amount invested.
An annuity does not provide any additional tax deferral benefit, as tax
deferral is provided by the plan. Annuities are subject to additional fees and expenses to which other tax-qualified funding vehicles may not be
subject. However, an annuity does provide other features and benefits, such as lifetime income payments and death benefits, which may be valuable
This site has all of the relevant information you need to learn about enrolling in your employer's plan. This includes
retirement education, financial calculators, plan highlights, investment options and performance, as well as important legal information. If you would
like an enrollment kit, which includes the same information displayed in this site, please contact your Benefits Manager.
Whether you click through the site or go through an enrollment kit, we urge you to read the information carefully. Take the time to become
familiar with your investment options and their performance, as well as the legal information in the participant disclosure booklet before
enrolling in the plan.
At , we are very aware of the public's concern regarding privacy. To learn more, click on this