A good way to save for retirement and on your taxes too. Interest rates vary according to the investment vehicle selected.

• No annual fee for any Individual Retirement Accounts
• Each individual may contribute $5,000 for the 2012 tax year and $5,500 for the 2013 tax year in an IRA
• Interest earned on some IRA contributions is tax deferred
• Distributions are available after age 59-1/2 without a penalty
• Consult your tax advisor

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