A designated Roth account is a separate account in a 403(b) plan to which designated Roth contributions are made.

Designated Roth contributions are not excluded from gross income and are currently taxed. Qualified distributions from a Roth account, including earnings, are excluded from gross income.

For more information about a designated Roth 403(b) please visit

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-designated-roth-account

Contribution Limits:

https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-403b-contribution-limits

Disclosures

There are risks associated with investing in mutual funds and variable annuities, including potential loss of principal value.

Variable annuities are subject to market risk which may cause value to fluctuate including loss of principal for variable accounts. Variable annuities are long term investments that involve insurance related fees and charges such as mortality and expense risk charges and administrative charges.

For more complete information about funds including a fund’s objectives and risks, and its charges and expenses, please call 1-800-292-1950 for a product prospectus. Please read the prospectus and carefully consider the investment objectives, risks and charges and expenses and other information before investing because these factors will directly affect future returns.

Guarantees and/or payments are based on the claims-paying ability of Issuer and not on the value of the securities within the account.

MEA Financial Services/Paradigm Equities, Inc. does not give tax or legal advice. The comments regarding the law and tax treatment simply reflect our understanding of current interpretations of such laws. Since laws are always subject to interpretation and possible changes, we recommend that you seek the counsel of an attorney, accountant or other qualified tax advisor regarding these matters as it applies to your particular situation.