Lone Star State Bank of West Texas



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Lone Star's Personal IRAs give you the security and flexibility to maximize your return on a tax deferred basis. Your retirement is an important part of life and with a Personal IRA from Lone Star, we can help get you ready. If you aren't sure whether or not an IRA is right for you, come by or give us a call and we can help you make your decision.

Fixed Rate IRA		Jumbo Fixed Rate IRA
Minimum to open: $1000		Minimum to open: $100,000
Terms: 12, 24, 36, & 60 months		Terms: 12, 24, 36, & 60 months
Early Withdrawal Penalty:		Early Withdrawal Penalty:
12 months - 30 days interest on		12 months - 30 days interest on
principal amount withdrawn		principal amount withdrawn
24, 36 & 60 months - 90 days		24, 36 & 60 months - 90 days
interest on principal		interest on principal amount
amount withdrawn		withdrawn
No Additional Deposits Allowed		No Additional Deposits Allowed
Automatic Renewal		Automatic Renewal
10 Day Grace period after maturity to		10 Day Grace period after maturity to
withdraw without penalty		withdraw without penalty
Interest compounded quarterly, paid		Interest compounded quarterly, paid
quarterly*		quarterly*
Variable Rate IRA
Minimum to open: $100
Term: 12 months
Early Withdrawal Penalty:
30 days interest on principal
amount withdrawn
Additional Deposit Allowed
Automatic Renewal
10 Day Grace period after maturity to
withdraw without penalty
Interest Rate adjusted quarterly,
compounded quarterly. Interest
adjusted based on the One Year
Constant Maturity Treasury Rate
that is made available by the
Federal Reserve Board and is published periodically in the
Wall Street Journal .

Personal Checking Accounts

Personal Savings / Money Market

	Member FDIC Equal Housing Lender	© Lone Star State Bancshares, Inc. 2009