401(K) - WE CAN SET UP & MANAGE YOUR PLAN

If you would like to learn how Sterling Retirement Planning services can help you grow and prosper, please call Kenneth Marte at 212.757.8062 or send an email to kenneth.marte@sterlingnationalbank.com

RETIREMENT PLANS FOR SMALL TO MEDIUM SIZE BUSINESSES

A boon to your business
No matter what type of business you have from the part-time sideline to an expanding company you'll find a plan that offers benefits you can't afford to pass up.

Tax relief
Since employer contributions to a retirement plan are a tax deductible expense, sponsoring a plan gives your business an immediate tax break.

A major employee benefit
Workers these days not only need their employers' support in saving for retirement, they expect it. If you're in a competitive job market, a retirement plan can be a surprisingly inexpensive, simple way to add a major incentive to your benefits package.

Flexibility and control

Today's retirement plans give small employers more flexibility than ever before. This control extends to a large number of important areas, including:

• How the plan is funded?
• The maximum amount of money that can be sheltered under the plan.
• Who is eligible to participate?
• When are employees vested?
• What types of investment funds are available to employees?
• The degree of administration involved.

Easy administration, low cost
Our business retirement plans have been designed to keep your administration and costs to a minimum. Although the amount of paperwork required by each plan does vary somewhat, simplicity and lower expenses are key features of each one.

Time and again, surveys have shown that employees rank retirement plans among their top benefit priorities.
Your employees probably feel the same as you do about their financial futures. Since nearly 80% of small businesses with fewer than 100 employees don't have a retirement savings plan,(1) it's no wonder that one out of five workers who start out in a smaller venture moves to a larger one within nine years.(2)

1. 1996 Marketplace Update, Access Research, Inc., Windsor, CT

2. Office of Advocacy, SBA, based upon Cangenties, Inc. data

A BENEFIT YOUR EMPLOYEES WANT... AND NEED

Top 10 reasons you and your employees will appreciate a retirement plan

Obviously establishing a retirement plan can make a big difference in your ability to find and retain good workers. Perhaps even more important, a retirement plan can give your employees their own key to a more secure future.

Regardless of which retirement plan you choose, both you and your employees will benefit from:

1) Tax-deferred investment growth
2) The peace of mind that comes with accumulating a retirement nest egg
3) Mutual funds designed to meet the broadest range of financial objectives and risk tolerances
4) The diversification and professional management that accompany a mutual fund investment
5) Superior service and performance
6) Fund exchange privileges
7) Account statements that make it easy to track investment growth
8) Toll free phone assistance from Customer Service Representatives, who are experts in answering plan questions and handling account transactions
9) A Voice Response System that offers 24-hour access to account information as well as certain automated account transactions
10) Regular communications highlighting the plan's value

If you would like to learn how Sterling Retirement Planning services can help you grow and prosper, please call Kenneth Marte at 212.757.8062 or email to Kenneth.Marte@sterlingnationalbank.com

CUSTODY

Busy executives and frequent travelers will appreciate a Sterling National Bank Custody Account. It lets you manage your stocks and bonds without spending time and energy keeping track of details. Sterling will safeguard your securities and keep detailed records while you retain investment control for independent investment decision making.

For additional information, contact Kenneth Marte at 212.757.8062 or email to kenneth.marte@sterlingnationalbank.com

PERSONAL TRUST

For additional information, contact Kenneth Marte at 212.757.8062 or email to kenneth.marte@sterlingnationalbank.com

CORPORATE TRUSTEESHIP & AGENCY SERVICES

For additional information, contact Kenneth Marte at 212.757.8062 or email to kenneth.marte@sterlingnationalbank.com