Retirement Planning

Have a safe Labor Day weekend from your "Hometown Bank!!!"

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

Transaction Account Guarantee Program
First State Bank of Arcadia is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2010, all non-interest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

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.