Invest in your future with a Citizens Bank Individual Retirement Account (IRA)

Retirement - the beginning of your second life. More time for yourself and your loved ones and following your dreams. However you see this time in your life, you'll want it to be financially secure.

With recent legislation creating increasingly generous tax advantages for retirement accounts, there's never been a better time than now to invest in your future with a Citizens Bank IRA. We offer several products to help you meet your Retirement and Education Planning goals, including:

• Traditional IRAs
• Roth IRAs
• SEP IRAs
• Qualified Retirement Plans
• Coverdell Education Savings Accounts (ESAs)

How a Citizens Bank IRA helps build your financial future

With an Individual Retirement Account (IRA), your retirement savings grow faster thanks to tax advantages*. There are two types of IRAs, Traditional and Roth. IRA earnings always grow tax-deferred. And, qualified Roth distributions may be tax-free. There are eligibility requirements for contributing to an IRA, but most people with earned income, as well as their spouses, can qualify to contribute.

Bank IRA Investment Choices

• Fixed rate IRA CDs - earning competitive interest rates with terms from 6-60 months that fit your personal financial needs.
• Citizens Bank IRA Savings Plan** - now you can plan your future your way and save on your terms. Our Steady Save^SM service allows you to choose weekly, bi-weekly or monthly contributions and have the ability to start and stop contributions throughout the year, while earning a competitive interest rate. Low minimum opening balance.

Holders of Citizens Circle Banking® and Citizens Circle Gold Banking® accounts may be eligible to earn higher rates.

Consider moving your current retirement savings to Citizens Bank.

You may be able to roll over funds from a qualified employer-sponsored retirement plan, such as a 401(k), or another IRA into a Citizens IRA. You can also transfer an existing IRA or Qualified Plan held at another financial institution to Citizens Bank.

Make Citizens Bank  your one-stop source for retirement savings!

For more information, visit a Citizens Bank branch or call 1-800-948-7200.

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Citizens Bank is a brand name of RBS Citizens, N.A. and Citizens Bank of Pennsylvania. Citizens Bank is a division of RBS Citizens, N.A. and Citizens Bank accounts and other RBS Citizens, N.A. accounts are not separately insured by the FDIC. Citizens Bank of Pennsylvania is not part of RBS Citizens, N.A.
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