First Bank & Trust Company. The Bank That Puts You First.

Traditional IRA's allow you to better provide for your retirement by deferring the taxation of your
investment until it is withdrawn.
Other savings: Traditional Savings | Roth IRA

First Bank Individual Retirement Accounts are tax-benefitted accounts that are authorized by Congress.

Features:
* You can open an IRA with $100
* Contributions can be made at any time in amounts of $5 or greater
* Annual contributions are limited to $5,000 ($6,000 for anyone over 50).
* Contributions may be tax deductible
* Funds are taxable when they are distributed
* There may be a tax on funds taken out before age 59 1/2, please consult your tax advisor.
* Distribution must start by age 70 1/2

Benefits
* Tax deferred growth of earnings!
* Possible tax deduction for annual contributions
* Wide choice of fixed rate, variable rate, CD terms and mutual funds
* Spouse can inherit IRA
* Automatic savings available
* Flexible pay out schedule
* More secure financial future