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	January 2011

Your 2011 Investments

Quicken and MS Money Downloads

Participants who track their personal investments using Quicken or Microsoft Money
may directly download AHRP activity by following these instructions:
1. Log on to the AHRP Web site: http://AHRP.com
2. Click on “Your Account”
3. Log on to “Your Benefits Resources” by providing
your User ID and Password
4. Select the “Retirement Savings” banner
5. Under “Other” you will find instructions for Quicken
or MS Money downloads

IRS Deferral Limits Unchanged For 2011

The IRS deferral limits remain unchanged for 2011. These limits apply to the
combined contributions you make to your pre-tax [AHRP 403(b)] and/or after tax
[AHRP Roth 403(b)] retirement plans as well as contributions made to similar
commercial plans. AHRP contribution rate changes can be made through the
AHRP Web site http://AHRP.com or by calling the AHRP Retirement Center at
1 (800) 730-2477.

Annual deferral limit for those under age 50 by year end: $16,500
Annual deferral limit for those age 50 and above by year end: $22,000

2011 Interest Rates

AHRP Capital Preservation Account
The 2011 guaranteed interest rate for the AHRP Capital Preservation Account is 3.50%. This represents a 0.35% decrease from the credited rate of 3.85% during 2010.
AHRP Loans
The interest rate on AHRP loans is tied to the yield on the AHRP Capital Preservation Account at the time the loan commences. New loans taken during 2011.

2011 Employer Contributions

Following the end of each calendar year, a calculation is made to determine the employer basic and matching contributions for the year just ended. These contributions are typically added to your AHRP account during the latter part of January (for the previous year). You will be able to observe an increase to your account balance at that time.

If you were eligible to receive employer basic and matching benefits for 2010, your AHRP Account Statement for the quarter ending March 31, 2011 will include these contributions.

"To make a long story short, there's nothing like having a boss walk in."

This newsletter is for general information only. It does not cover plan provisions in detail.
Official legal plan documents always govern the plan.

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