West Chester Savings Bank offers a flexible yet effective way to put away money for your retirement. Take a look at our IRA savings accounts and take your first step toward building a more secure future for you and your family. Remember to begin early in order to reach your Retirement planning dreams. For more information or to set up an appointment, call 319-653-2265 or contact:

• Lisa White ( lisa.white@wcsbank.com )
• Betsy Love ( betsy.love@wcsbank.com )

Here are a few details of our IRA accounts:

• A flexible account, which allows deposits at any time, and no maturity date.
  
• For 2006, the maximum amount you may contribute is $4000 or 100% of earned income whichever is less. A $5000 (catch up) contribution is allowed for an individual age 50 and greater.
  
• Contributions may be made only if you are age 70 ½ or younger, and you have earned income for the current tax year.
  
• Please consult you tax advisor for retirement investment planning.

IRA RATE INFORMATION

• Frequency of rate changes: We may change the interest rate on your account every calendar quarter.
  
• Compounding frequency: Interest will be compounded on the last day of each calendar quarter.
  
• Crediting frequency: Interest will credited to your account on the last day of each calendar quarter.