Access to Stocks, Bonds, and Thousands of Mutual Funds Through Your Employer s Retirement Plan T. ROWE PRICE

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1 [ Access to Stocks, ] Bonds, and Thousands of Mutual Funds Through Your Employer s Retirement Plan T. ROWE PRICE link

2 [ Who should take advantage of TradeLink+ ] T. ROWE PRICE link

3 More options for experienced investors For experienced investors, TradeLink+ offers brokerage* services that increase the number of investment choices available through your employer s retirement plan. With TradeLink+, you can diversify your plan investments through a single source. You ll have access to: Stocks, bonds, and other securities traded over the counter or on the New York, American, or other regional exchanges.** Thousands of mutual funds from many well-known fund families. As you decide whether TradeLink+ is right for you, consider the following: This service is designed for plan participants who have experience and confidence in their own investment abilities. TradeLink+ investment choices may be subject to greater volatility and risk of loss than the core plan investments chosen by your employer. Potential investment gains may be offset by fees and commissions. * Brokerage services are offered by T. Rowe Price Investment Services, Inc., member NASD/SIPC. TradeLink+ brokerage accounts are carried by Pershing Division of Donaldson, Lufkin & Jenrette Securities Corporation, member NYSE/NASD/SIPC, which acts as a clearing broker for T. Rowe Price Investment Services. ** Some investments are not available or are closed to new investors through TradeLink+. These include money market funds, precious metals, options, futures, commodity contracts, tax-exempt instruments, IPOs, private placements, foreign securities traded on overseas markets, and any of your employer s securities. Only market, day-limit, and 90-day good-till-canceled orders will be accepted.

4 [ ] How does TradeLink+ fit into my investment strategy? T. ROWE PRICE link

5 TradeLink+ increases investor opportunities With TradeLink+, investment choices available through your employer s retirement plan are significantly broader. Your Plan s Investment Choices With TradeLink+ Core retirement plan investment choices Investment menu chosen by your employer TradeLink+ investment choices A wide variety of publicly traded stocks and bonds* Thousands of mutual funds *See the footnote on the previous page for exclusions. For your convenience, both core and TradeLink+ investments are accessible through your plan s toll-free number.

6 Your use determines fees For TradeLink+, you will pay an annual flat-rate service charge. This fee, as well as any additional charges, will be disclosed in your application kit. Mutual funds You may purchase or sell a majority of funds through TradeLink+ without paying a transaction fee.* For other no-load funds, a flat-rate, per-transaction fee is charged. Most load funds will charge the load stated in the prospectus and no transaction fee. Fees will be imposed for early redemptions and in-kind rollovers. Stocks and bonds A commission schedule will be included in your application kit. A minimum commission is charged on each trade. * T. Rowe Price Investment Services, Inc., may receive administrative fees from these no-transaction-fee funds for providing recordkeeping and shareholder services. These fees are described in the application kit.

7 Confirmations and statements keep you informed Confirmations A confirmation of each executed trade is mailed on the business day following the trade. Statements Detailed TradeLink+ statements are mailed quarterly and in any month when trading activity occurs. In addition, summaries of your TradeLink+ balances are included on your quarterly plan statement. You can opt for special services Dividend reinvestment Eligible dividends and capital gain distributions paid on mutual funds and stocks can be automatically reinvested at no charge. Tele-Trader This toll-free service gives you access to realtime quotes, your balances, and the status of transactions not yet settled. Research On Call** Comprehensive reports from independent financial information providers on many mutual funds and stocks are available through 24-hour, seven-day automated access. (There is a nominal fee for each report.) ** The information provided through this service is prepared by independent investment research companies that are not affiliated with T. Rowe Price Investment Services. While the information provided is deemed reliable, neither T.Rowe Price Investment Services nor the information providers guarantee the accuracy or completeness of the information or make any warranties with regard to the results obtained from its use.

8 To request an application kit or for more information, please call T. Rowe Price at your plan s toll-free number. T. Rowe Price Investment Services, Inc., distributor, T. Rowe Price mutual funds. RPS-TLPLUS 9/1/00