403(b) Plan

The 403(b) Retirement Plan acts very similar to a 401(k) Plan and provides several benefits, including:

• Contributions to the plan are held in a governmental retirement account with tax benefits.
• Money may be accessed for various reasons.  See the attached notice for distribution reasons.
• Contribution limits are much higher  than the limits in IRAs.

More information on 403(b) Plans, including a list of Approved Vendors can be found here: http://www.nbsbenefits.com/non-erisa-403b-forms/.

The notices below provide additional details about both plans and how to access information on the NBS (third party administrator) website.