Take Charge

• of your money

• of your finances

• of your opportunities

A solid retirement plan is one of the most valuable benefits around.  Why? It helps you plan ahead for a stable financial future.  Make the most of this opportunity by playing an active role and take charge of your retirement plan.  

The IBU 401(k) offers the following investment options:

Principal LifeTime portfolios are designed with the idea that you invest solely in one investment option that most closely matches your approximate retirement timeline. The Principal LifeTime portfolios are the default investment election.

• Principal LifeTime Strat Income
• Principal LifeTime 2010
• Principal LifeTime 2020
• Principal LifeTime 2030
• Principal LifeTime 2040
• Principal LifeTime 2050

Chose from any one or more of these individual investment options to create a custom portfolio based on your personal preferences.

GICs & Money Markets

• Guaranteed Interest Account 5 Year
• Principal Global Investors Money Market

Bonds

• Principal Global Investors Bond & Mortgage
• Principal Global Investors Government Securities

Domestic Stock – Large Cap

• Allianz NFJ Dividend Value A Fund and MFS Value A Fund
• Goldman Sachs Asset Mgmt LargeCap Blend I Sep Acct
• Principal Global Investors LargeCap S&P 500 Index Sep Acct
• Columbus Circle Investors - LargeCap Growth Sep Acct
• T Rowe Price Funds LargeCap Growth I Sep Acct
  
  

Domestic Stock – Mid Cap

• Neuberger Berman/Jacobs Levy MidCap Value II Sep Acct
• Principal Global Investors MidCap S&P 600 Index Sep Acct
• Fidelity Mgmt & Research MidCap Growth II

Domestic Stock – Small Cap

• Principal Global Investors SmallCap Value Sep Acct
• Principal Global Investors SmallCap S&P 600 Index Sep Acct
• UBS/Emerald/Essex SmallCap Growth II Sep Acct

International

• Fidelity (PyramisGlobal Adv) Principal International I Sep Acct
• Principal Global Investors International Emerging Markets Sep Acct
• Principal Global Investors International SmallCap Sep Acct  

Real Estate

• Principal Global Investors US Property Sep Acct

For a more complete description of each investment option, please feel free to contact us at ibu@aibpa.com.

The maximum employee contribution that can be made on a pre-tax basis to the IBU 401(k) Plan is limited annually. Below are the contribution limits for 2006 and beyond:

Additionally, certain individuals aged 50 and over can now make 'catch-up' contributions. These 'catch-up' contributions are in addition to the above limits. Below are the 'catch- up' contribution limits for 2006 and beyond:

Participant loans are available to active participants only. If you would like to apply for a loan contact Principal Financial Group at www.principal.com or you may speak with a Principal Retirement Specialist by calling 800/547-7754.

Retirement Specialists are available Monday through Friday, 7 A.M. to 9 P.M., and Saturday, 8 A.M. to 2 P.M. (central time.) Once you have established your loan, you are able to view your loan balance on line.

Via www.principal.com you may …

• Access your statement online
• Transfer, reallocate or rebalance funds between the investment options
• View plan loan information, obtain a loan quote and request a loan
• View your personalized rate of return
• Calculate how much you need to save to meet your retirement goals
• Learn more about the investment options available
• Complete a risk profile online that will help you determine your investment allocation
• Utilize various retirement and financial calculators

If you would like to enroll into the IBU 401(k) Plan, contact the Trust Office at ibu@aibpa.com or 800/547-4457, extension 1683.  We will provide you with the necessary forms to enroll.