If your age is 21 to 35:
Now is the ideal time to open an IRA. If you invest $2000 a year in monthly deposits of $ 166.66 at 5% or more, you could have $300,000 or more at age 65.

If your age is 36 to 45:
You're in your peak earning years. Start an IRA today. Don't delay.

If your age is 46 to 64:
If you haven't opened an IRA by now, you should do so immediately.

If your age is 65 or more:
If you're retired, it's too late to open an IRA. But if you're still working, you have until age 70-1/2 to continue investing in your Traditional IRA. However, there is no maximum age for making a Roth IRA contribution. Attainment of age 70-1/2 or any other age, does not prohibit you from contributing to a Roth IRA. Roth IRA contributions must still be based on compensation. Therefore when permitted, invest in your IRA for a more secure future.

This chart is for your information only. Be sure to consult a customer service representative before opening an Individual Retirement Account.

FDIC Coverage on IRAs is increased from $100.000 to $250,000

Higher Insurance Coverage takes effect April 1, 2006

Under the FDIC’s new rules effective April 1, 2006, up to $250,000 in Deposit Insurance will be provided for the money a depositor has in “Traditional and Roth” Individual Retirement Accounts (IRAs), at one FDIC Insured institution. All of your IRA accounts, per ownership category, at Fidelity Savings are added together and the total is insured up to $250,000.

Your Non-IRA accounts at Fidelity Savings will continue to be insured up to $100,000 per ownership category in accordance with the rules and regulations of the FDIC. Please ask us for a personal copy of our FDIC brochures published in English and Spanish entitled “Your Insured Deposits - FDIC’s Guide to Deposit Insurance Coverage”.

Should you have any questions, please don’t hesitate to call our IRA Administration Department at 215-788-0448 or stop by our Banking Center at 201 Pond at Market Street, Bristol Borough , PA, and speak with a client services representative. Don’t let this opportunity pass you by; we invite you to consolidate and bring your other IRAs to Fidelity Savings.