Almost everyone can benefit from a Providence Bank Individual Retirement Account. Start enjoying the benefits of a retirement account and make your future more secure. Now, more than ever, a Providence Bank Individual Retirement Account can help you achieve your financial goals.

Features unique to Individual Retirement Plans (IRAs) include:

• You can make contributions until April 15th of each year for the previous year's tax period for a Roth or Traditional IRA.
• You may be eligible for a tax credit on your Traditional or Roth IRA.
• All earnings on your Traditional IRA contributions remain tax-deferred until you make withdrawals from the account.
• All earnings on your Roth IRA contributions remain tax-deferred (after a 5-year holding period) until you make withdrawals from the account and those distributions may be tax-free under certain conditions.
• Contributions to your Traditional IRA may be partially or fully deductible, depending on your income.

Providence Bank IRA Plans offer unique features such as:

• Your interest rates are guaranteed for the term of the certificate.
• Annual statements make record keeping easy.
• Certificates offer automatic renewal at the end of each term for your convenience.
• If you want to change terms (e.g. change the term, revise the interest payment method or payment frequency) on a renewing Providence Bank IRA Time Deposit, simply stop by or call us at 573-898-5511 or visit one of our locations.

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