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| IRA - CERTIFICATE OF DEPOSIT | GOLD MARKETPLUS IRA | IRA - VARIABLE ACCOUNT | |
| Recommended if you want... | A great fixed rate with your choice of terms | An account that rewards you with a higher interest rate for making the maximum IRA contribution each year ($4,000). | An account that allows convenient IRA contributions and distributions. |
| Minimum Opening Deposit and Term | $1,000 - Terms from 90 days to 5 years | $100 |
$100 |
| Monthly Service Fee | None | None | None |
| Interest Rate | Fixed rate based on the term of the certificate | • Variable rate • Compounded daily * • Paid quarterly |
• Variable rate • Compounded quarterly * • Paid quarterly |
| Withdrawals | • Substantial IRS penalty for early withdrawal from an IRA • Convenient distribution choices upon reaching age 59 1/2 • Substantial bank penalty for early withdrawal |
• Substantial IRS penalty
for early withdrawal from an IRA • Convenient distribution choices upon reaching age 59 1/2 |
• Substantial IRS penalty
for early withdrawal from an IRA • Convenient distribution choices upon reaching age 59 1/2 |
| Unique Features | • Gold version available with higher rates | • Make additional deposits at any
time • Higher balances earn higher rates • As soon as you achieve the maximum annual contribution level ($4,000) during a 12-month period, you earn the highest interest rate for the next 12 months. |
Make additional deposits at any time. |
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*Interest is calculated on the collected balance, which is book balance minus float. |
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