Additional Contributions Tax-Sheltered (ACTS) Program -
A Supplemental Tax Sheltered Annuity

The Additional Contributions Tax-Sheltered program (ACTS) is the voluntary 403(b) program for employees of public institutions of higher education in New Jersey.

Based on your retirement planning needs, you can either invest in a portfolio that offers one-step investing or build a portfolio by choosing among the equity and fixed income variable investment options, plus two investment options for safety of principal. The value of investment within annuities will fluctuate and is subject to market risk, including the possible loss of principal.

ACTS 2012 Contributions at a Glance
Maximum salary reductions allowed	$0
Additional, if age over 50	$0
$0

For additional information on the EQUI-VEST^SM Vantage^SM ACTS 403(b) program, please review the Prospectus, the EQUI-VEST^SM Vantage^SM ACTS 403(b) Outline or contact a Financial Professional.