Employer-Sponsored Retirement Plans — 2008 Contributions

Plan type	Money purchase	Profit sharing	401(k)	SEP	Simple IRA	403(b)
Participant contribution	Not applicable	Not applicable	Up to $5,000 for 2008	Not applicable	$2,500 for 2008	$5,000 for 2008
Participant catch-up contribution*	Not applicable	Not applicable	Up to $5,000 for 2008	Not applicable	$2,500 for 2008	$5,000 for 2008
Maximum contribution (employer & participant%s) that employer can deduct	25% of total eligible payroll up to $230,000 per participant in 2008	25% of total eligible payroll up to $230,000 per participant in 2008	25% of total eligible payroll up to $230,000 in 2008 + the amount of participant contributions	25% of employee%s pay or $46,000 in 2008, whichever is less	$21,000 for 2008 ($10,500 participant contribution + $10,500 employer match; employer match limited to 3% of compensation)	$21,000 for 2008 ($10,500 participant contribution + $10,500 employer match; employer match limited to 3% of compensation)
Maximum allocation to participant%s account (employer & participant)	100% of participant%s total pay or $46,000 in 2008, whichever is less	100% of participant's total pay or $46,000 in 2008, whichever is less	100% of participant's total pay or $46,000 in 2008 whichever is less; if age50 or older,a catch -up contribution of up to $5,000 may be added	25% of participant%s pay or $46,000 in 2008, whichever is less	$21,000 for 2008; if age 50 or older a catch-up contribution of up to $2,500 + $2,500 employer match may be added	100% of participant's pay up to $46,000 in 2008, whichever is less; if age 50 or older, a catch -up contribution of up to $5,000 may be added

* For individuals who are age 50 or older.

Investors should carefully consider the investment objectives, risks, charges and expenses of the American Funds. This and other important information is contained in the prospectuses, which can be obtained from y our financial professional and should be read carefully before investing.