Type	Term	Rate	APY*	Bonus Rate	Bonus APY*	Min. Opening Balance
Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate Certificate	75 Day 3 Month 4 Month 6 Month 8 Month 9 Month 11 Month 12 Month 14 Month 15 Month 18 Month 24 Month 25 Month 30 Month 36 Month 50 Month	1.03% 1.08% 1.18% 1.23% 1.37% 1.37% 1.37% 1.47% 1.66% 1.71% 1.76% 2.24% 2.29% 2.44% 2.77% 3.06%	1.05% 1.10% 1.20% 1.25% 1.40% 1.40% 1.40% 1.50% 1.70% 1.75% 1.80% 2.30% 2.35% 2.50% 2.85% 3.15%	- - - - - - - - - - - - 2.54% ** - - 3.31%**	- - - - - - - - - - - - 2.61% ** - - 3.41%**	$500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00 $500.00

A Quick Guide to IRAs

Recent tax law changes make saving for retirement easier and more beneficial. In addition to increasing contribution limits that began in 2002, there are incentives for taxpayers who are 50 years of age or older, and improved features on Education IRA's (now known as Coverdell Education Savings Accounts). The information below is provided as a quick reference on the latest IRA developments.
For greater details, click here.

2009 New Tax Law Maximum Contributions

• $5,000 - Single
• $10,000 - Married Couples Filing Jointly
• $6,000 - Single Taxpayers Age 50 and Over
• $12,000 - Married Taxpayers Both Age 50 and Over
• $2,000 - Education IRA, Per Beneficiary, Per Year (in addition to the above contributions)

Additional Incentives for 50-Plus Taxpayers

Individuals who are 50 and older are allowed to make "catch-up" contributions to their IRAs. These contributions are reflected in the maximum limits shown above.

We've Got the Perfect Plan for You

$50 is all it takes to open the Clifton Savings Bank IRA of your choice. Please note that we offer IRAs to New Jersey residents only.

A variety of CD options (see rates above) are available to help you fund your:

• Traditional IRA
• Roth IRA
• Education IRA (Coverdell Education Savings Account)

Helpful Hints

• Even if you actively participate in an employer-sponsored retirement plan, you can still make contributions to your own IRA.
• The earlier you start your IRA, the more you'll earn towards a comfortable retirement.
• Anyone, whether related to the account beneficiary or not, may contribute to a child's Education IRA (provided they meet the earned income limits).
• Now, Education IRAs can be used to pay for qualified expenses not only for colleges and trade schools, but also for public or private elementary and high schools.
• The deadline for 2009 IRA contributions is April 15, 2010.

For complete details and help in choosing the plan that's right for you, call our
IRA Department at (973) 473-2323 or visit your nearest Clifton Savings Bank office.