Traditional IRA(1) Tax-deferred earnings until withdrawn Eligible if under age 70-1/2 and have received taxable compensation during the year Deductibility based on participation in other retirement plans, adjusted gross income and income tax filing status May include rollover contributions from other qualified retirement plans and IRAs Choose the money market option or fixed rate option as your investment vehicle. Roth IRA(1) Qualified earnings are tax-free. However, contributions are not tax-deductible Eligible if modified adjusted gross income is within required limits No mandatory distributions at age 70-1/2 Available with the fixed rate option as your investment vehicle. Coverdell Educational Savings Account(1) Earnings are tax-free. However, contributions are not tax-deductible Funds may be contributed by anyone within income limitations Contribute until the year the child turns 18 (account created for purpose of paying qualified educational expenses of a designated beneficiary under the age of 18) Available with the fixed rate option as your investment vehicle. (1) Consult your tax advisor about tax benefits and the deductibility of contributions. Visit with a personal banker regarding contribution limits.