This is a supplemental retirement plan which provides employees
with the opportunity to invest money on a before tax basis, using
payroll deduction. Because your taxable income is reduced, you can
invest money and defer taxes. The before tax aspect is what makes
tax deferred annuities very attractive. Participants defer federal
and state income tax on their contributions. In addition, interest
or earnings on your account accumulates tax-deferred. No taxes are
paid on the account until you begin withdrawing funds.

For more information about
VANGUARD, please visit their home page at
http://www.vanguard.com.

You can also contact your local VANGUARD agent at 1-800-662-2003

EGTRRA (Economic Growth and Tax Relief Reconciliation Act) of 2002
allows for the following contribution limits on tax-deferred
annuities for 2008: $15,500.00 per year, plus an additional
$5000.00 additional for participants over age 50. An additional
$3000 catch-up provision may also be available for those eligible.

Call (985)549-5655 for more information.