An IRA is your ticket to a secure financial future, allowing you to fund your future while your earning power is at its peak. There are several options with unique tax benefits.

• Interest grows tax free until withdrawal
• Can increase untaxed savings since withdrawals may be subject to lower tax bracket
• Many people are eligible to deduct their contributions on current tax returns
• Please consult your tax advisor for more information

**Before completing the application, please understand that you must come to one of our bank locations to finalize the account opening process if you have no other accounts with us.

The big difference between Roth and traditional IRAs is when you pay the tax. With a Roth IRA, you cannot deduct contributions on your existing tax returns, but you may avoid paying taxes on your withdrawals once you retire.

• Earnings may be tax-free upon withdrawal, please consult your tax advisor
• Your income is taxed now, when you are working, instead of when you are retired
• Some early withdrawals are penalty-free for specific situations, please consult your tax advisor