Self-employed?

Own a non-incorporated business?

Own partnership
share in a business?

You might be served
well by a Simplified
Employee Pension Plan (SEP-IRA) or Keogh Account.

We offer a range of retirement investment options for every type of investor. Enjoy significant tax advantages today, as well as the security for tomorrow—knowing your money is FDIC insured. Anyone under age 70 1/2 with earned income is eligible for an IRA. Whether you work for a company or are self-employed, check these quality ways to make the most of your retirement funds.

Regular IRA

• Contribute up to $2,000 per year
• Interest is tax-deferred; part or all of your contribution may be tax-deductible

Spousal IRA

A non-working spouse may have an IRA, in addition to your own

Total contributions to both accounts may not exceed $2,250 with no more than $2,000 to either one

You must file a joint tax return

IRA Investment Options

• Flexible term
• Fixed rate
• No service charge
• No minimum deposit
• Annual fee of $15 if balance is below $500 and inactive for one year

All IRA accounts have substantial penalities for early withdrawal.

Self-employed? Own a non-incorporated business? Own partnership share in a business? You might be interested in a Simplified Employee Pension Plan (SEP-IRA) .

Have questions? You can drop by one of our offices, call us at 1-800-367-8862, or contact us by e-mail.

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Vermont National Bank/First Savings of New Hampshire is insured by the FDIC.

Vermont National Bank /First Savings of New Hampshire is an Equal Housing Lender.