Importance of 457 Plans Compared to other Plans

Let’s Look at the State-Sponsored Retirement Plans First

A good starting point is to look at how both of the State of Maine’s retirement programs work. The State sponsors the Maine PERS (until recently known as the Maine State Retirement System), which is considered a “defined benefit” plan, and the Deferred Compensation Plan, considered a “defined contribution” plan.

Maine PERS — Eligible employees automatically participate through regular contributions that are set aside from each paycheck. The State also contributes to the plan and is responsible for investing the plan’s assets. Once you are vested in the plan and eligible for a benefit, you will receive a monthly benefit for your life. The amount of the benefit is determined under a formula in the plan and is based on your salary and service, regardless of the investment return in the plan’s assets. You may elect to receive your benefit under the plan in any one of a number of optional forms, including various types of annuities.
The State of Maine Deferred Compensation Plan — The Deferred Compensation Plan is a 457 plan, governed by the provisions of Section 457(b) of the Internal Revenue Code. It is a voluntary program that can supplement the monthly benefit you will receive from the Maine State Retirement System. You participate in the Plan by setting aside an amount from each paycheck on a pre-tax basis. The amount you contribute may not exceed the IRS limit for each year ($15,500 for both 2007 and 2008 plus another $5,000 if you are at least age 50). The amounts you set aside are credited to your account under the plan and you are responsible for investing the amounts in your plan account. You can choose from a wide range of investment options, which are outlined below in the Investment Fund Details section of the newsletter. When you retire you can elect to receive the amount in your account from a range of distribution options including a lump sum payment, periodic payments and various types of annuities. Please speak to your Financial Services Organization (FSO) for more details.

Take a Look at Other Retirement Savings Plans

You may find that your retirement planning and savings goals can be met through the two State-sponsored plans or you may want to explore other retirement savings plans to supplement what these plans can provide. To help you with your search, here is a brief overview of some of the more popular retirement savings plans available. While 401(k) plans and 403(b) plans are not available to you because of restrictions in the Internal Revenue Code limiting the types of employers that can offer these plans, you will see that the benefits these plans can provide are no greater than the benefits available to you under the State of Maine Deferred Compensation Plan.

401(k) Plan — A 401(k) is a defined contribution plan offered by private corporations and “not-for-profit” organizations. Under a 401(k) plan, employees contribute to an individual account on a pre-tax basis subject to the same IRS limits on contributions as in the Deferred Compensation Plan. The employee is responsible for investing the amounts in his plan account in a lineup of available options chosen by the employer, and at retirement, the employee’s benefit is equal to his account balance under the plan.
403(b) Plan — A 403(b) plan, sometimes referred to as a tax-sheltered annuity or TSA, is a retirement plan offered by public schools and certain tax-exempt organizations. As in the Deferred Compensation Plan, these plans are funded by pre-tax employee contributions which the employee then invests in a lineup made available under the plan by the employer. Employee contributions to a public school’s 403(b) plan are subject to the same limits as the Deferred Compensation Plan. However, unlike the Deferred Compensation Plan, a 403(b) plan offered by a tax exempt organization may not permit employees who are at least age 50 to contribute an additional $5,000 per year. At retirement, the employee’s benefit is equal to the balance of his account under the plan.
IRAs (Individual Retirement Accounts) — An IRA is a retirement savings plan for working individuals and their non-working spouses that allows annual contributions up to a specified maximum amount ($4,000 for 2007 and $5,000 for 2008). The investments available through an IRA are wide-ranging and you may choose a provider from numerous investment companies and financial institutions. Due to the changes in the tax code over the years, there are several types of IRA accounts available.

Traditional IRA — You are eligible to contribute to a Traditional IRA as long as you have earned income in that tax year. Your spouse may also contribute to his or her own IRA, even if your spouse does not have earned income. Because you are covered by Maine PERS, your contributions to an IRA may or may not be tax deductible, depending on your income level. As money is withdrawn from this account, it will be subject to income taxes to the extent it exceeds any non-deductible contributions you made to the IRA.
Roth IRA — To qualify to open a Roth IRA, your Adjusted Gross Income (AGI) for 2007 may not exceed $99,000 for single tax filers and $156,000 for couples filing jointly. (For 2008 the limits have increased to $101,000 for single tax filers and $159,000 for couples filing jointly). Contributions to a Roth IRA are not tax-deductible, unlike contributions to Traditional IRA, but any withdrawals will not be taxed as long as certain conditions are met. Generally speaking, withdrawals of Roth contributions and earnings are tax-free once you have reached age 59 ½ and have satisfied a five-year waiting period from the time contributions first began.

Other Ways to Save

In addition to these retirement savings plans, there are many other ways to save for major life events. For example, under Section 529 of the Internal Revenue Code you will find a plan that can help you fund higher education costs.

529 Plan — A 529 plan is not considered a retirement account but is a plan that allows you to save on a tax-favored basis for college or other qualified higher education expenses for certain family members or yourself. You may contribute to a 529 program sponsored by any state you choose and you will find that the maximum contribution limits will vary from state to state. You do not receive a tax break on the contributions to a 529 Plan but when you withdraw the money for eligible higher education expenses, you do not have to pay tax on the withdrawals. You do want to be careful not to contribute too much money to a 529 Plan, because any withdrawals that are not used for eligible expenses are subject to tax on the portion consisting of investment earnings, and possibly to penalties as well. Maine’s 529 plan is known as NextGen and is administered by the Finance Authority of Maine (FAME). For more information you can contact FAME at 1 (800) 228-3734 or visit the following website www.nextgenplan.com.

Hopefully this has shed some light on the numerous retirement accounts and other savings vehicles in the marketplace. One of the key advantages to using them is to achieve tax-deferred growth on your money, just as you do when you contribute to the Deferred Compensation Plan. Tax deferred growth means your account balance has the ability to grow faster than it would in a taxable investment, because you do not pay income tax on the investment earnings every year.

When evaluating which retirement savings plan is best for your needs remember the State of Maine’s Deferred Compensation Plan provides:

Pre-tax savings regardless of your income level,
Tax deferred growth on amounts you contribute to the plan,
The ability to make additional catch-up contributions if you qualify (for more information on catch-up contributions please call your FSO — Financial Services Organization),
An investment lineup provided by three industry leading FSOs, that is constantly monitored, reviewed and updated (when necessary), and
Convenient paycheck deductions to make saving easy.

For more information about your current Plan account, to make any changes or to begin contributing, please contact your Financial Services Organization (FSO). Details for what you can find on each FSOs website is provided below.

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Investment Fund Details

IMPORTANT NOTE: The information presented here is not intended as investment advice. Its purpose is to help you understand the investment options available through the State of Maine Deferred Compensation Plan. Your financial strategy and investment choices are entirely your own and should reflect your personal needs and circumstances. State of Maine personnel, by federal law, cannot provide investment advice. For more information, you may want to consult with a professional financial advisor. The investment information shown is current as of September 30, 2007. For more up-to-date investment results, please contact your financial services organization.

Results are historical and not intended to portray future performance. Current performance may be less than figures shown. Investment benchmarks (shown in italic) may differ from the benchmarks provided in the funds’ prospectuses.

Please note for charts below and to the right, Fixed Accounts (noted with an “*” in the “Rates of Return” column) provide a specified rate of return. For current rates, along with an explanation of how they are determined, contact your financial services organization.

THE HARTFORD
		Return on Investments (net of expenses)				Operating Expenses
Rates of Return as of September 30, 2007						Operating Expenses
Level of Risk	Investment Options	Quarter to Date	Year to Date	Annualized		Management Fees	Other Expenses	Total Expenses
Level of Risk	Investment Options	Quarter to Date	Year to Date	3 Years	5 Years	Management Fees	Other Expenses	Total Expenses
Low	Hartford Life Fixed Account	Current Interest Rate for 3Q is 4.0%*				—	—	—
	Hartford Total Return Bond HLS	2.15%	2.69%	3.48%	4.94%	0.50%	0.45%	0.95%
	Lehman Aggregate Index	2.84	3.85	3.86	4.13
	SSgA Interm Bond Index	2.77	4.09	3.11	3.40	0.40	0.00	0.40
	Lehman Interm Gov/Credit Index	2.87	4.35	3.48	3.82
Medium	Oakmark Equity Income I	3.01	10.29	11.25	13.32	0.86	0.60	1.46
	Janus Balanced	3.26	9.21	10.91	9.80	0.82	0.60	1.42
	60%/40% S&P 500/ LB Agg	2.39	7.08	9.43	10.95
	Hartford Dividend & Growth HLS	2.11	11.08	15.10	16.67	0.67	0.60	1.27
	Russell 1000 Value Index	-0.24	5.97	15.25	18.07
High	SSgA S&P 500 Index	1.97	8.88	12.78	15.08	0.35	0.00	0.35
	Hartford Capital Appreciation HLS	5.62	17.38	21.19	23.22	0.67	0.60	1.27
	Neuberger Berman Socially Responsive Tr	-0.71	9.06	13.54	17.06	1.13	0.60	1.73
	S&P 500 Index	2.03	9.13	13.14	15.45
	SSgA US Total Market Index	1.38	8.86	13.51	16.20	0.40	0.00	0.40
	Wilshire 5000 Index	1.46	9.13	13.98	16.50
	Hartford Global Technology	5.50	17.85	17.82	23.01	0.96	0.60	1.56
	S&P Technology Index	6.30	16.21	13.05	18.64
	American Fds Growth Fund of America	4.17	13.25	15.54	16.97	0.96	0.60	1.56
	Russell 1000 Growth Index	4.21	12.68	12.20	13.84
	Lord Abbett Mid Cap Value	-3.95	6.50	12.98	15.68	1.20	0.60	1.80
	Russell Mid Cap Value Index	-3.55	4.83	17.22	21.02
	SSgA S&P Mid Cap Index	-0.94	10.70	15.21	18.00	0.40	0.00	0.40
	S&P 400 Index	-0.87	11.01	15.63	18.17
	Hartford Mid Cap HLS	0.86	17.23	19.43	20.86	0.68	0.60	1.28
	Russell Mid Cap Growth Index	2.15	13.35	17.01	20.39
	Franklin Small-Mid Cap Growth	4.74	18.53	16.27	18.52	0.96	0.60	1.56
	Russell 2500 Growth Index	0.66	12.03	16.06	19.82
	Nuveen NWQ Small Cap Value**	-8.70	0.39	N/A	N/A	1.40	0.60	2.00
	Russell 2000 Value Index	-6.26	-2.70	N/A	N/A
	SSgA Russell 2000 Index	-3.19	2.90	12.86	18.35	0.40	0.00	0.40
	Russell 2000 Index	-3.09	3.16	13.36	18.75
	Royce Value Plus**	-2.03	10.15	18.39	30.26	1.40	0.60	2.00
	Russell 2000 Growth Index	0.02	9.35	14.10	18.70
	MFS Int’l New Discovery A	1.19	12.41	24.72	26.25	1.50	0.60	2.10
	SSgA EAFE Index	2.07	12.92	22.73	N/A	0.50	0.00	0.50
	MSCI-EAFE Index	2.18	13.16	23.25	23.56
	Franklin Mutual Discovery A	-1.00	11.27	20.34	19.30	1.36	0.60	1.96
	MSCI-World Index	2.46	12.17	18.61	19.86

** New Funds as of 9/28/07

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ING FINANCIAL ADVISERS, LLC
		Return on Investments (net of expenses)				Operating Expenses
Rates of Return as of September 30, 2007						Operating Expenses
Level of Risk	Investment Options	Quarter to Date	Year to Date	Annualized		Management Fees	Other Expenses***	Total Expenses
Level of Risk	Investment Options	Quarter to Date	Year to Date	3 Years	5 Years	Management Fees	Other Expenses***	Total Expenses
Low	ING Fixed Account	Current Interest Rate for 3Q is 4.0%*				—	—	—
	ING Intermediate Bond	2.52%	3.55%	3.76%	4.51%	0.49%	0.30%	0.79%
	Vanguard Total Bond Market Index — Adm	2.95	3.80	3.88	4.11	0.11	0.00	0.11
	Lehman Aggregate Index	2.84	3.85	3.86	4.13
Medium	ING Balanced	1.26	5.77	8.42	10.05	0.60	0.50	1.10
	Pax World Balanced **	1.77	8.68	10.86	11.71	0.97	0.50	1.47
	60%/40% S&P 500/ LB Agg	2.39	7.08	9.43	10.95
	T. Rowe Price Value — Adv **	-2.38	6.67	13.91	16.78	1.02	0.50	1.52
	ING Van Kampen Comstock	-1.73	4.13	10.59	17.99	0.83	0.50	1.33
	Russell 1000 Value Index	-0.24	5.97	15.25	18.07
High	ING Stock Index	1.96	8.78	12.30	N/A	0.27	0.00	0.27
	Fidelity VIP ContraFund**	6.87	16.18	17.90	17.44	0.66	0.50	1.16
	S&P 500 Index	2.03	9.13	13.14	15.45
	Vanguard Total Stock Market Index — Adm	1.56	9.19	13.90	16.41	0.09	0.00	0.09
	MSCI US Broad Market Index	1.54	9.21	13.94	16.47
	ING T. Rowe Price Growth Equity	3.25	11.71	13.75	15.34	0.74	0.50	1.24
	Russell 1000 Growth Index	4.21	12.68	12.20	13.84
	ING Index + Mid Cap	-2.87	8.58	13.34	15.85	0.49	0.50	0.99
	S&P 400 Index	-0.87	11.01	15.63	18.17
	ING T. Rowe Price Diversified Mid Cap Growth	3.51	14.96	14.92	16.77	0.66	0.50	1.16
	Russell Mid Cap Growth Index	2.15	13.35	17.01	20.39
	ING Oppenheimer Main Street Sm Cap	-5.04	4.04	14.11	17.40	0.77	0.50	1.27
	Russell 2000 Index	-3.09	3.16	13.36	18.75
	ING Baron Small Cap Growth	1.45	8.83	15.89	17.93	1.08	0.50	1.58
	Russell 2000 Growth Index	0.02	9.35	14.10	18.70
	ING International Value	3.39	13.50	21.50	20.47	1.01	0.50	1.51
	MSCI-EAFE Index	2.18	13.16	23.25	23.56
	Oppenheimer Global Securities	2.58	11.17	18.85	18.61	0.66	0.50	1.16
	MSCI-World Index	2.46	12.17	18.61	19.86

** New Funds as of 5/21/07
*** As of September 4, 2007, ING has reduced their administrative charge from 0.60% to 0.50%.

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AIG VALIC
		Return on Investments (net of expenses)				Operating Expenses
Rates of Return as of September 30, 2007						Operating Expenses
Level of Risk	Investment Options	Quarter to Date	Year to Date	Annualized		Management Fees	Other Expenses	Total Expenses
Level of Risk	Investment Options	Quarter to Date	Year to Date	3 Years	5 Years	Management Fees	Other Expenses	Total Expenses
Low	VALIC Fixed-Interest Account	Current Interest Rate for 3Q is 3.75%*				—	—	—
	Vanguard Long Term Bond Index	3.38%	2.21%	3.87%	4.82%	0.18%	0.35%	0.53%
	Lehman LT Gov./Credit Index	3.54	2.62	4.29	5.39
	Vanguard Intermediate-Term Invest-Grade Bond	2.59	3.22	3.31	4.12	0.21	0.35	0.56
	Lehman Credit Index	2.07	2.85	3.45	5.02
Medium	Munder Asset Allocation Balanced A	2.56	9.20	11.05	11.68	1.51	0.35	1.86
	American Funds American Balanced A	2.68	8.46	9.57	12.30	0.59	0.35	0.94
	60%/40% S&P 500/ LB Agg	2.39	7.08	9.43	10.95
	American Funds Investment Co. of America A	2.41	10.46	13.50	15.04	0.55	0.35	0.90
	MFS Value A	1.13	9.17	15.17	15.91	1.17	0.35	1.52
	Russell 1000 Value Index	-0.24	5.97	15.25	18.07
High	Pioneer A	1.62	9.58	13.89	14.82	1.11	0.35	1.46
	Dreyfus S&P 500 Index	1.83	8.47	12.22	14.50	0.50	0.35	0.85
	Calvert Social Inv. Equity	4.95	9.78	10.83	12.40	1.23	0.35	1.58
	S&P 500 Index	2.03	9.13	13.14	15.45
	Oppenheimer Capital Appreciation A	7.14	16.83	12.26	13.74	1.07	0.35	1.42
	Russell 1000 Growth Index	4.21	12.68	12.20	13.84
	T. Rowe Price Science & Technology	6.64	18.45	13.91	18.76	0.97	0.35	1.32
	S&P Technology Index	6.30	16.21	13.05	18.64
	Turner Mid Cap Growth	7.34	21.95	18.98	20.55	1.18	0.35	1.53
	Russell Mid Cap Growth Index	2.15	13.35	17.01	20.39
	Neuberger Berman Genesis Trust	2.51	16.17	16.35	18.26	1.10	0.35	1.45
	Russell 2000 Index	-3.09	3.16	13.36	18.75
	American Funds Euro Pacific R3	5.03	16.83	24.51	23.46	1.11	0.35	1.46
	MSCI-EAFE Index	2.18	13.16	23.25	23.56
	Oppenheimer Global A	2.44	10.87	19.51	20.56	1.08	0.35	1.43
	MSCI-World Index	2.46	12.17	18.61	19.86

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Tools and Information Available Through Your FSO’s Website

Each FSO has a plan website which offers you a wide range of services. You can access detailed information about you account and find numerous links designed to assist you in your retirement planning needs.

(Please Note: The following language in this section was supplied directly by each FSO and should not be considered an endorsement of one provider over another.)

AIG VALIC

http://www.valic.com/valic2003/aigvalic.nsf/contents/home

When you log onto AIG VALIC’s Web site at http://www.valic.com/valic2003/aigvalic.nsf/contents/home, you are greeted with a choice of links designed to assist you in accessing the information you need. AIG VALIC’s public Web site provides a variety of educational information regarding retirement planning and AIG VALIC services. Information offered through the public Web site includes the following:

ePrint^SM under Quicklinks — Your Online portal to viewing and printing information specific to your State of Maine Deferred Compensation Plan, such as plan highlights, fund information, forms and other important materials. After clicking on ePrint^SM, enter your Plan ID, MAINE457, and then click Go.
About AIG VALIC provides valuable information about AIG VALIC and its products and services.
Investment Options provides educational information about mutual funds, annuities, IRAs and other investment products.
Products and Performance provides monthly and quarterly information about fund performance; fund profile sheets including information about the fund option's strategy, advisors, portfolio allocation, industry allocation and largest holdings; and allows you to view the performance of major domestic and international equity and fixed-income indexes and compare performance against key benchmarks.
Education and Planning provides information relating to cash management, education planning, investment strategies, investment types, retirement planning, risk management and recent tax legislation.

By clicking on the “Account Access” link, you may access information and perform certain transactions in your account(s). After you enter your Social Security number and PIN, the Main Menu Screen will display Internet options available for your State of Maine Deferred Compensation Plan account. These options may be accessed by clicking on the appropriate icon.

Transactions and information available via the Account Access option on the Web site include:

Account balance information
Investment allocation information and changes
Investment performance information
Investment unit values
Interest rates
Transfer of accumulated account values
Personal Identification Number (PIN) changes
Form requests
Plan literature
Prospectus requests
E-mail delivery requests
Personal rate of return

You may access the “Internet Help” option at any time by clicking on the icon at the bottom of your screen. Internet Help provides information on “Using Internet Access”, “Frequently Asked Questions” and “Internet Access Screen Descriptions.”

Web-based Financial Planning and Education

AIG VALIC has developed the Online Financial Planning & Education Center (Online Center) that can be accessed through a link on the participant Web site. The Online Center provides comprehensive and objective financial education courses and financial planning reports and offers the flexibility that allows participants who are unable to participate in a seminar or workshop to still have access to financial education and financial planning tools.

The Online Financial Planning & Education Center offers three distinct services:

Financial education. Financial education is provided in the form of complete topical courses or through a “life event” methodology that allows you to explore topics related to a life event (i.e., a new child).
Planning reports and calculators. Five core-planning reports are provided in a secure password-protected environment. Many additional calculators and worksheets are also provided to assist in the planning process.
Contact an advisor. You have access to a licensed financial advisor over the phone or you may arrange contact with the financial advisor via a “contact us” function on the Web site.

The Hartford

http://www.retire.hartfordlife.com/

The Hartford offers an interactive retirement planning website that lets you manage your retirement account when and where it’s convenient for you.

From The Hartford Welcome page

Investment Concepts

The high cost of procrastination
How long will your money last?
Riding the market
What is risk?
Diversification and asset allocation
The impact of investment return
Dollar cost averaging
The benefits of increasing your deferral percentage

Retirement Planning Calculators

The calculators below illustrate the tax advantages of saving in your Employer’s retirement plan, and show the impact of increased contributions.

Paycheck Savings Calculator — Effects of pre-tax contributions on your paycheck.
The Power of Increased Contributions

From the Participant Account page

Highlights of Account Information

View individual account information including your personal rate of return

Check investment option performance history
Change your investment elections and transfer between investment options, including automated asset rebalancing
Access interactive transactional history and historical statements of account
Enjoy online guidance and educational tools from an industry leader: Morningstar.
View quarterly economic commentaries

Don’t miss these useful tools:

My accounts — find current account balance, link(s) to account detail(s) and unread news items
My Profile — update your mailing address, change your e-mail address, change your PIN, create your own user ID
Contact Us — send us comments or questions via e-mail, call us, or contact us using regular mail
Help — find a glossary of investment terms, and answers to questions you may have about Hartford Online
Logout — log out of the secure portion of Hartford Online and return to our home page

ING Financial Advisers, LLC

http://www.ing-usa.com/us/index.htm

Find us at www.ingretirementplans.com for a Web-based experience that can help you manage your account in the State of Maine Deferred Compensation Plan and find tools and calculators to help you plan for a more secure financial future.

ING Access is organized to help you manage your account. ING puts the information you want most frequently right up front. When you login to your account using your secure User ID and Password, the first thing you will see is your Account at a Glance summary; your summarized account balance information as of the close of the previous business day. You can dive deeper into the Web and find other account information including:

Account balance by investment
Investment allocation

By investment option
By asset class
By risk category

Investment performance information
Fund fact sheets
Daily Unit Values
Your personal transaction history
Automatic account rebalancing
Personal profile information
Contact Us via Web
eCopy of your quarterly Account Statement

You can also transfer your account balance among the investment options available to you through ING. So, if you want to manage your State of Maine Deferred Compensation Plan Account on line, ING Access contains all of the information you’ll need.

ING Access also has a wide array of financial tools and calculators to help you chart your course to a more secure financial Future.

Type of Investor — Take a simple 10-question quiz to help determine what type of investor you are. When you have finished, this on line tool will return a model portfolio with specific asset allocation recommendations for you to consider and help you to gauge your personal risk tolerance.
Tax Deferred Investments — This tool will help you to see in real dollars the benefit of saving on a pre-tax basis. All you need to do is enter some basic financial information and you will see the impact of saving for retirement on your take-home pay and your federal income taxes.
Determine your Retirement Needs — Use this calculator to help determine how much you need to save on a regular basis in order to meet your retirement investing objectives. You’ll be asked to enter some basic assumptions about your current financial situation and your expected income needs in retirement and this calculator will help by gauging your likely level of success in reaching your goals. The calculator then allows you to run “what if” scenarios to illustrate how you can change your probability of success.

Other resources available through ING Access include interactive educational segments devoted to topics such as:

Why save?
The impact of inflation
Have I saved enough?
Should I shift investments?
When can I retire?
What if I change jobs?
How do I plan for income?

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Advisory Council on Tax Deferred Arrangements

Commissioner, Department of Administrative & Financial Services
Rebecca M. Wyke, Chair
Designee: Alicia Kellogg, Co-Chair
Director, Bureau of Human Resources
Contact info: alicia.kellogg@maine.gov

Superintendent of Insurance
Eric Cioppa
Designee: Stuart Turney
Insurance Examiner in Charge
Contact info: stuart.e.turney@maine.gov

Superintendent of Financial Institutions
Lloyd P. LaFountain, III
Designee: Robert B. Studley
Principal Bank Examiner
Contact info: robert.b.studley@maine.gov

MSEA

Kathryn J. Latulippe, Administrative Unit
Contact info: 207-624-8441 or kathryn.j.latulippe@maine.gov
Steven Keaten, Professional-Technical Co-chair
Contact info: 287-9215 or steven.keaten@maine.gov
Ginette Rivard, Supervisory
Contact info: ginette.rivard@maine.gov
Peter Grant, Operations & Maintenance (appointment pending)
Contact info: 624-3900 or peter.grant@maine.gov

MSLEA

Steven M. Couture, Law Enforcement
Contact info: steve.couture@maine.gov

AFSCME

Patrick Murphy
Contact info: pmurphy42@hotmail.com

Maine State Troopers

Michael T. Edes (appointment pending)
Contact info: michael.t.edes@maine.gov

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If you have any questions about the information in this newsletter, please contact your financial services organization representative or the State’s Office of Employee Health and Benefits at 207-287-6780 inside Maine or 1-800-422-4503 outside Maine.

The Hartford

Augusta: 207-623-8421
Portland: 207-761-4733
In Maine: 1-800-640-8787
Outside Maine: 1-888-457-7824

www.retire.hartfordlife.com

ING Financial Advisers, LLC

Augusta: 207-622-4882
In Maine: 1-866-826-8063
Outside Maine: 1-800-238-8458

www.ingretirementplans.com

AIG VALIC

In Maine: 207-771-5378
1-800-892-5558, ext. 88631
Outside of Maine: 1-888-568-2542

www.aigvalic.com