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Electronic Statements - it's what's new & exciting at 1st BANK. With Electronic Statement Delivery, you can:

• Reduce the risk of lost or stolen statements
• View, print & save statements right
  to your computer
• View the front & back of cleared checks
• Receive e-mail notifications when your statement is ready

To sign up for Electronic Statement Delivery, login to your on-line banking account, and go to the Electronic Statements tab!!

Individual Retirement Accounts: Better Than Ever
Individual Retirement Accounts (IRA) create value for you to save for your retirement years and for funding education expenses.

Please call 1st Bank^SM for more information on Individual Retirement Accounts.

Traditional IRA

• Must have earned income and not reach age 70 ½ by end of year
• Annual IRA contributions: $4,000 until 2007 and $5,000 in 2008
• Annual limit applies to any combination of IRA plans
• Contributions are fully tax-deductible if you are not an active participant in an employer retirement plan
• Contributions up to the limit are fully tax deductible if you are not an active participant in a retirement plan, otherwise phase-out rules apply.
• Investments grow on a tax-deferred basis
• Earnings are taxed only upon withdrawal
• Opportunity for early withdrawal - Ask us about special circumstances

Roth IRA

• Contribute to a Roth IRA even after age 70 ½, with earned income
• Contributions will not be tax deductible, but the contributions and earnings can be withdrawn tax-free.
• Same contribution limits as Traditional IRA listed above.
• No required minimum distributions after reaching age 70 ½.
• Convert your traditional IRA to a Roth IRA, to take withdrawals tax-free, but is subject to income tax now.
• Opportunity for early withdrawal - Ask us about special circumstances

Catch-up Contributions

• If you have reached age 50, make additional $1,000 catch-up contributions per year to a Traditional or Roth IRA