MCWAH offers a 403(b) tax-deferred annuity retirement program issued through ING. This program allows you to invest a portion of your earnings on a pre-tax basis. You decide how much of your income you want to invest, and you pay no current federal or state income taxes on the money you contribute, or any of its earnings until you withdraw it. Withdrawals prior to age 59-1/2 may be subject to a 10% federal penalty tax. Please contact Bob Payant at ING (414) 256-2168 for additional information.