Individual Retirement Account

Smart Choice if:	You want the tax advantages that come with long-term retirement savings

Minimum Balance:	Fixed rate based on the term of the certificate

Interest:	Fixed or variable rates based on the term of the certificate

Additional Benefits:	18 or 36 Month Terms Fixed or Variable Rates Traditional or Roth IRA Products A penalty may be imposed for early withdrawal. You should consult your tax advisor for any potential tax implications before establishing or making contributions to an IRA.