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OnPoint IRAs

Two great choices for retirement

Traditional IRA

Contributions are made with pre-tax dollars
Good choice if you expect to be in a lower tax bracket when withdrawals begin

Roth IRA

Contributions are made with post-tax dollars
Good choice if you anticipate being in a higher tax bracket when you retire

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IRA Details
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IRA Details
	Traditional IRA	Roth IRA
Age Eligibility	Under age 70½ at years end	None
Maximum Contributions (annually)¹	$5,000; $6,000 for those over 50	$5,000; $6,000 for those over 50
Income Limitations	None	Single - less than $110,000 Married Filing Jointly - less than $160,000
Contributions Due Date	April 15 of the next calendar year	April 15 of the next calendar year
Distributions	Must begin by April 1 of the year after participant reaches age 70 ½	No mandatory distributions
Tax Implications²	Earnings grow tax deferred. Contributions may be tax deductible.¹	Contributions are made with post-tax dollars. Earnings taken are retirement are tax-free.²
¹Maximum Contributions listed are for the 2008 tax year. ²See your tax advisor for information on possible tax deductions.

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Standard Rate Traditional & Roth IRA Certificates of DepositRates Effective: September 1, 2010
	$1,000 - $49,999.99		$50,000 and higher		$100,000 and higher
Term¹	Interest Rate	Annual Percentage Yield²	Interest Rate	Annual Percentage Yield²	Interest Rate	Annual Percentage Yield²
3 mos.	0.40%	0.40%	0.40%	0.40%	-	-
6 mos.	0.50%	0.50%	0.50%	0.50%	-	-
12 mos.³	0.80%	0.80%	0.80%	0.80%	-	-
18 mos.³	1.00%	1.00%	1.00%	1.00%	-	-
24 mos.³	1.20%	1.20%	1.20%	1.20%	-	-
36 mos.	1.69%	1.70%	1.69%	1.70%	-	-
48 mos.	1.99%	2.00%	1.99%	2.00%	-	-
60 mos.	2.38%	2.40%	2.38%	2.40%	2.38%	2.40%
¹Subsequent deposits can be made on Traditional and Roth IRA Certificates of Deposit. ²Annual Percentage Yield subject to change. ³Booster Rate Certificate of Deposit. You may elect to adjust your rate, based on the rate currently offered for this account, once during the original term of the Certificate of Deposit. Booster rate feature excludes promotional rate offers.

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Money Market IRARates Effective: September 1, 2010
Deposit Amount	Interest Rate	Annual Percentage Yield¹	Minimum Balance	Monthly Service Fee if Below Minimum Balance
$0-$9,999.99	0.50%	0.50%	$0.01	$0
$10,000-$24,999.99	0.60%	0.60%	$0.01	$0
$25,000-$49,999.99	0.70%	0.70%	$0.01	$0
$50,000-$99,999.99	0.80%	0.80%	$0.01	$0
$100,000-$249,999.99	1.00%	1.00%	$0.01	$0
$250,000 and higher	1.15%	1.15%	$0.01	$0
¹Annual Percentage Yield subject to change.

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