Traditional IRA

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. With contributions often tax-deductible and tax-deferred earnings until retirement, this is one of the most popular IRA vehicles. The annual contribution limit is $4,000 ($5,000 if you're over 50).  Contributions can be made up to each year's tax filing deadline.

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.