The Time Is NOW

Make your Retirement Choice between April 1 and May 31

For eight months, you have been reading about Retirement Choice. Now it’s time to make your choice. Before you make your decision, use all the tools and resources available to you.

Look for Your Retirement Choice Decision Kit
Soon you will be receiving your Retirement Choice Decision Kit at home. It includes everything you need to make your decision—a decision guide, a personalized Retirement Choice statement, a highlights booklet, investment information and an employee meeting schedule.

Attend a meeting
Between the end of March and middle of May, you can attend an employee meeting to hear more about Retirement Choice and have the opportunity to ask questions. A schedule of meeting dates and locations is included in your kit.

Use the Web-based Retirement Choice Modeling Tool
You can compare program options by creating your own personalized benefit projections. Just log on to the Retirement Choice Modeling Tool at www.lvhhnretirementchoice.com. Instructions are included in your Decision Guide.

Take advantage of AIG Valic services
Consider making a one-on-one appointment with your AIG Valic financial advisor. To schedule an appointment, call 1-888-252-5201.You also can visit Valic online at www.aigvalic.com/lvhhn.

Make your choice
When you’re ready to choose, visit www.lvhhnretirementchoice.com and make your election. You can change your mind as often as you like during the election period. The last choice you make before the May 31, 2006 deadline will take effect July 1, 2006. You cannot change your election after May 31.

You will receive a confirmation of your choice in late June.

If you do not make a choice
If you were hired prior to April 1, 2006 and you do not make a choice before May 31, you will remain in the current retirement program (option 1). And unless you enroll with Valic, you will be defaulted to your current contribution percentage in the Savings Plan (or 2 percent if you are not currently contributing). This money will be invested in the Valic Fixed Interest Option if you’re enrolled in the 403(b) plan or the Wells Fargo Stable Value Fund if you’re enrolled in the 401(k) plan. You may disenroll or change how your contributions are invested at any time by visiting the Valic Web site or calling 1-888-568-2542.

Questions
If you have questions about your retirement benefits, send an e-mail to Human_RS@LVH.com
or make an appointment with your Valic financial advisor.

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