IRS Regulations now allow you to tax shelter $13,000 in year 2004 ($16,000
if age 50 or older in 2004).  If you have not increased your salary
reduction up to this level, or, if you are not taking advantage of this UT
benefit, Ken Spann, our AIG VALIC Financial Advisor, will be available

                          Wednesday, August 4, 2004
                  Orchard Knob Room, #317 University Center
                              11:00am to 1:30pm

to discuss and answer your questions regarding:
·     Tax advantaged retirement savings plans,
·     Tax advantaged educational savings plans,
·     Review your UT retirement account,
·     Mutual fund investments, or
·     IRAs.

Please stop by or call Ken directly at 238-7618 to schedule an appointment
or to discuss and ask questions.



Kathy Bonham
Benefits Specialist
The University of Tennessee at Chattanooga
Office of Human Resources, Dept. #3603
615 McCallie Ave.
Chattanooga, TN  37403
Office 423-425-4452
Fax 423-425-4574