Endura Financial - Winter 2008

What's Inside

The Taxman Cometh –
Be Prepared

File the Easy Way – with TurboTax^®
Online and Save 10%!

Save for the Down Payment

80^th Annual Meeting and Board of Directors Election

Meet The Endura Financial Investment Services Reps

Retirement Savings Options

Retirement Savings Options
Save for Your Future with an IRA or IRA Growth Savings Account

It's never too early (or too late) to start saving for retirement. At Endura Financial, we offer traditional and Roth Individual Retirement Accounts (IRAs).

With an IRA certificate or IRA Growth Savings account, you pay no annual maintenance fees and enjoy great rates and retirement tax advantages.* Take advantage of IRA certificate rates as high as 5.61% APY** and IRA Growth Savings account rates as high as 3.00% APY.**

Traditional IRAs grow tax-deferred, with taxes due at the time of withdrawal. Anyone under age 70½ with earned income may contribute to a traditional IRA, but contribution deductibility is limited to those not covered by a retirement plan at work, or those who are covered and meet certain income requirements. Contributions and earnings can be withdrawn penalty-free after age 59½.***

Roth IRAs are funded with after-tax dollars, and contributions are not tax-deductible. Eligibility to contribute to a Roth IRA is based on adjusted gross income (must be less than $166,000 for couples filing jointly or less than $114,000 for singles).^† Roth contributions and earnings can be withdrawn tax-free after age 59½ if the account has been held for at least five years.^†^†

*	Consult your tax advisor for details.
**	APY = annual percentage yield. Rates current as of Nov. 1, 2007, and subject to change without notice.
***	Withdrawals prior to age 59½ may be subject to a 10% IRS penalty. Required minimum distributions must begin after age 70½. Otherwise a penalty of 50% of the amount that should have been withdrawn, but wasn't, may be imposed.
^†	These limits are for the 2007 tax year.
^†^†	Withdrawals prior to age 59½ may be subject to income tax and a 10% IRS penalty. There are no required minimum withdrawals during the original accountholder's lifetime.

Winter 2008