[December 16, 2003]

For 2004, contribution limits for the Tax-Deferred 403(b) Plan are increasing as follows:

• $13,000, if you are under age 50 as of 12/31/04
• $16,000, if you are age 50 or over as of 12/31/04

To change your contribution amount--or to enroll in the 403(b) Plan—sign in to Your Benefits Online and then select "Begin/Change Plan Contributions" under the heading "Your Money."

To have changes effective with your January 1, 2004, paycheck, your online transaction must be completed by the December payroll deadline at your location.

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