Roth IRAs

Individual Retirement Accounts are a great way to start saving for your future especially now that your IRA deposits at First Citizens are FDIC-insured up to a total of $250,000. First Citizens earnings on Roth IRAs are TAX-FREE (as opposed to tax-deferred) at retirement, while contributions are made with after-tax dollars. The Roth IRA also allows contributions of up to $4,000^* per taxpayer per year or $5,000 for those age 50 and over. Roth IRAs have the same terms and features as our Traditional IRAs

Note: You may contribute to both a Traditional IRA and a Roth IRA, but your total contribution is limited to the maximum allowed by law per tax year.

First Citizens bank offers the following time deposit, FDIC insured products:

• 182-364 Day and 12-60 Month Tiered IRAs—Offer fixed interest rates and automatic renewal at maturity.
• 18-Month Variable-Rate IRAs—Offer an interest rate that varies with money market conditions.
• Money Market IRAs—Offer a variable interest rate that fluctuates with money market conditions. These accounts have maximum flexibility because there is no maturity date.

First Citizens Investor Services, Inc.^**
With a self-directed IRA through First Citizens Investor Services, you can use the financial markets as your means for investing your IRA monies. A Financial Consultant can thoroughly discuss the programs and services available to you. These may include:

• Managed Account Programs
• Asset Allocation Programs
• Individual Securities such as stocks and bonds, and mutual funds and other securities.^**