Features:

• FDIC Insured
• Tax-deferred until distribution to you
• Interest compounded and credited to your account monthly
• Only $1,000 minimum to open
• Rate-level tier system earn higher interest when you invest more
• Terms ranging from six to 48 months
• Fixed, variable or money market options
• View your account free on SNB DirectBanker®

*Annual Contributions:

• $5,000 for persons age 50 and below
• $6,000 for persons age 50 and older

Withdraw Requirements:

• May begin withdrawing from your IRA at age 59 1/2
• Must begin withdrawing from your IRA at age 70 1/2**
  **Ask your banker or accountant about any requirement changes for 2009!