%PDF-1.6 %âãÏÓ 1 0 obj<> endobj 2 0 obj<> endobj 3 0 obj<> endobj 5 0 obj<> endobj 7 0 obj<> endobj 8 0 obj<>>> endobj 9 0 obj<> endobj 10 0 obj<> endobj 11 0 obj<>/ProcSet[/PDF/Text]>>/Type/Page>> endobj 12 0 obj<> endobj 13 0 obj[10 0 R] endobj 14 0 obj<>/A<>/Border[0 0 0]>> endobj 15 0 obj[14 0 R] endobj 16 0 obj<> endobj 17 0 obj<> endobj 18 0 obj<> endobj 19 0 obj<> endobj 20 0 obj<> endobj 21 0 obj<> endobj 22 0 obj<> endobj 23 0 obj<> endobj 24 0 obj<> endobj 25 0 obj<> endobj 26 0 obj<> endobj 27 0 obj<> endobj 28 0 obj<> endobj 29 0 obj<> endobj 30 0 obj<>stream /Artifact <>BDC 0 0 0 rg 0 i BT /T1_0 1 Tf 0 Tc 0 Tw 0 Ts 100 Tz 0 Tr 6.907 0 0 6.907 18 601.7584 Tm (KBOR Voluntary Roth 403b option)Tj ET EMC /Article <>BDC q 0 18 792 576 re W* n BT /TT0 1 Tf 11.5116 0 0 11.5116 27.6279 583.2859 Tm ( )Tj /TT1 1 Tf 0 -1.136 TD ( )Tj 0 0 1 rg /TT2 1 Tf 9.593 0 0 9.593 27.6279 543.3551 Tm (The Kansas Board of Regents \(KBOR\) is pleased to announce that a Roth \ 403\(b\) after-tax option will be added to the KBOR Voluntar)Tj (y 403\(b\) Retirement Plan )Tj 0 -1.2 TD (effective January 1, 2011. If you have questions about the Voluntary 4\ 03\(b\) Plan or about the new Roth 403\(b\) after-tax option)Tj (, please contact )Tj 0 0 0 rg (Human )Tj T* (Resources)Tj 0 0 1 rg ( or one of the approved KBOR Voluntary 403\(b\) Plan investment provider\ s. )Tj ET 0.5 0.5 0.5 rg 27.628 483.488 744.419 13.814 re f 0 0 0.502 rg BT /TT3 1 Tf 23.0233 0 0 23.0233 27.6279 457.8757 Tm (Kansas Board of Regents )Tj T* (Voluntary 403\(b\) Retirement Plan )Tj 0 0 0 rg 17.2674 0 0 17.2674 27.6279 407.68 Tm (New Savings Opportunity )Tj 0 0 1 rg /TT4 1 Tf 9.593 0 0 9.593 519.4737 407.68 Tm ( )Tj 0 0 0 rg /TT3 1 Tf 17.2674 0 0 17.2674 610.147 407.68 Tm ( )Tj 0 0 0.502 rg /TT4 1 Tf 11.5116 0 0 11.5116 27.6279 392.2876 Tm ( )Tj ET 0.5 0.5 0.5 rg 27.628 369.14 744.419 13.814 re f 0 0 0.4 rg BT /TT4 1 Tf 12.9506 0 0 12.9506 55.2558 347.3476 Tm (\225)Tj /TT1 1 Tf 6.7151 0 0 6.7151 59.7885 347.3476 Tm ( )Tj /TT4 1 Tf 19.1861 0 0 19.1861 69.8612 347.3476 Tm (Starting in January 2011, a Roth 403\(b\) after-tax option will be added\ to the )Tj -0.761 -1.2 Td (KBOR Voluntary Retirement Plan. This will allow you to choose between m\ aking )Tj T* (after-tax or pre-tax contributions. )Tj 12.9506 0 0 12.9506 55.2558 278.2778 Tm (\225)Tj /TT1 1 Tf 6.7151 0 0 6.7151 59.7885 278.2778 Tm ( )Tj /TT4 1 Tf 19.1861 0 0 19.1861 69.8612 278.2778 Tm (There will be one annual IRS 403\(b\) contribution limit, but you will h\ ave the ability )Tj -0.761 -1.2 Td (to choose between two contribution options; after-tax and pre-tax. )Tj 12.9506 0 0 12.9506 617.2727 255.2546 Tm ( )Tj 0 0 1 rg 9.593 0 0 9.593 624.4732 255.2546 Tm ( )Tj 0 0 0.4 rg 12.9506 0 0 12.9506 55.2558 232.2313 Tm (\225)Tj /TT1 1 Tf 6.7151 0 0 6.7151 59.7885 232.2313 Tm ( )Tj /TT4 1 Tf 19.1861 0 0 19.1861 69.8612 232.2313 Tm (A Roth after-tax 403\(b\) offers you the potential for )Tj /TT5 1 Tf (tax-free)Tj /TT4 1 Tf (* income when you )Tj -0.761 -1.229 Td (retire. )Tj -1.44 -1.2 Td ( )Tj 17.2674 0 0 17.2674 59.6302 185.6269 Tm ( *Certain qualifying conditions apply. Tax-free if five-year holding pe\ riod satisfied )Tj 0 0 1 rg ( )Tj -1.853 -1.238 Td ( )Tj 0 0 0.4 rg (and a qualifying event)Tj 0 0 1 rg ( )Tj 0 0 0.4 rg (is met)Tj 0 0 1 rg ( )Tj 0 0 0.4 rg (\(age 59 1/2 or older, disability or death.\) )Tj 0 0 0.502 rg /T1_1 1 Tf 5.7558 0 0 5.7558 46.578 127.3013 Tm (l)Tj /TT1 1 Tf ( )Tj 0 0 0.4 rg /TT4 1 Tf 19.1861 0 0 19.1861 58.3256 127.3013 Tm (You can read more about the new Roth after-tax 403\(b\) option at )Tj 0 0 0 rg 9.593 0 0 9.593 27.6279 91.3387 Tm ( )Tj /TT1 1 Tf 11.5116 0 0 11.5116 46.2959 91.3387 Tm ( )Tj 0 0 1 rg /TT4 1 Tf 9.593 0 0 9.593 49.1738 91.3387 Tm ( )Tj ET 0 0 1 RG 0.829 w 10 M 0 j 0 J []0 d 83.843 88.852 m 515.702 88.852 l S BT /TT4 1 Tf 17.2674 0 0 17.2674 83.843 91.3387 Tm (http://www.kansasregents.org/voluntary_retirement_plan)Tj 0 0 0 rg /TT1 1 Tf 11.5116 0 0 11.5116 515.7018 91.3387 Tm ( )Tj ET EMC /Artifact <>BDC Q BT /T1_0 1 Tf 6.907 0 0 6.907 18 8.7584 Tm (file:///C|/Documents and Settings/skellogg/Local Settings/Temporary Inte\ rnet Files/Content.Outlook/EB6LVNC2/Roth 403b option.htm)Tj (12/9/2010 11:18:23 AM)Tj ET EMC endstream endobj 31 0 obj(KBOR Voluntary Roth 403b option) endobj 32 0 obj<> endobj 33 0 obj<> endobj 34 0 obj<> endobj 35 0 obj<> endobj 36 0 obj[33 0 R] endobj 37 0 obj(file:///C|/Documents and Settings/skellogg/Local Settings/Temporary Internet Files/Content.Outlook/EB6LVNC2/Roth 403b option.htm) endobj 38 0 obj(û°Npl\rÿµmÅKF»s) endobj 39 0 obj<> endobj 40 0 obj<> endobj 41 0 obj(üçè CÝ±®ÿºÛçê) endobj 42 0 obj<> endobj 43 0 obj<> endobj 44 0 obj<> endobj 45 0 obj<> endobj 46 0 obj<> endobj 47 0 obj<>stream 2010-12-09T11:18:23-06:00 2010-12-09T11:18:18-06:00 2010-12-09T11:18:23-06:00 application/pdf KBOR Voluntary Roth 403b option uuid:605ae8fb-453d-447c-93ac-a33dc301c21b uuid:a1de13e6-3ddb-47bc-b557-4f493094f04e Acrobat Web Capture 7.0 endstream endobj xref 0 48 0000000004 65535 f 0000000016 00000 n 0000000143 00000 n 0000000194 00000 n 0000000006 00000 f 0000000357 00000 n 0000000000 00001 f 0000000423 00000 n 0000000523 00000 n 0000000567 00000 n 0000000614 00000 n 0000000680 00000 n 0000000952 00000 n 0000000987 00000 n 0000001011 00000 n 0000001193 00000 n 0000001217 00000 n 0000001307 00000 n 0000002476 00000 n 0000002698 00000 n 0000003875 00000 n 0000004113 00000 n 0000005289 00000 n 0000005522 00000 n 0000006707 00000 n 0000006940 00000 n 0000008113 00000 n 0000008333 00000 n 0000009516 00000 n 0000009750 00000 n 0000009816 00000 n 0000013819 00000 n 0000013868 00000 n 0000013904 00000 n 0000014067 00000 n 0000014096 00000 n 0000014197 00000 n 0000014221 00000 n 0000014367 00000 n 0000014402 00000 n 0000014513 00000 n 0000014564 00000 n 0000014598 00000 n 0000014641 00000 n 0000014682 00000 n 0000014723 00000 n 0000014807 00000 n 0000014918 00000 n trailer <<538E97C298F3E94E85E1EB447EFEFE46>]>> startxref 18400 %%EOF