Retirement Planning

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Designed to help you accumulate the nest egg you need for your golden years - or - to manage your retirement rollover account.

$500 minimum required
No opening fees
Annual statements provided

An Individual Retirement Account (IRA) enables you to accumulate the funds you want to retire in the style about which you dream. Certain contributions to IRAs are tax deductible for the year they are made up to the contribution deadline (see below) and are based upon IRS guidelines.** All earnings on your IRA remain tax deferred until you make withdrawals, which are then taxed as income during the tax year of their withdrawal.

There are substantial penalties for early withdrawal. Deposits are insured up to $250,000.

**Consult a Tax Advisor for specific information.

Characteristic	Traditional Individual Retirement Accounts
Individual Annual Contribution Limit *	$5,000.00
Earned Income Requirement	Contributions may not exceed 100% of earned income
Spousal Contributions	Allowed if married filing jointly, generally up to $5,000 each
Contribution Deadline	Individual's tax filing deadline, not including extensions
Minimum Age for Contributions	None
Maximum Age for Contributions *	Must be under age 70 ½ for entire year to make a regular contribution for the year.

* For individuals who have reached the age of 50 before the close of the tax year, the contribution limit is increased to $6,000 (for 2010).

First State Bank of Arcadia

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE
COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to and separate from, the coverage of at least $250,000 available to depositors
under the FDIC's general deposit insurance rules.

The term “noninterest-bearing transaction account: includes a traditional checking account, or demand deposit account on which the insured
depository institution pays no interest. It also includes Interest on Lawyer's Trust Accounts (“IOLTAs”). It does not include other accounts such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.

NOTICE: First State Bank of Arcadia is not responsible for and has no control over the subject matter, content, information, or graphics of the web sites that have links here. Please contact us with any concerns or comments.