Victory State Bank: It’s Never Too Early To Begin A Retirement Strategy

STATEN ISLAND, N.Y. -- If you are in the early stages of career, don’t neglect your finances.

When you are in your 20s and 30s, retirement may seem a long way off – but it’s never too early to begin planning for the future.

With this in mind, Victory State Bank suggests you consider the following advice from the Federal Deposit Insurance Corp.:

· Contribute as much as you can to IRAs, 401(k)s, Keoghs and other retirement savings while meeting other goals, such as buying a home or starting a family.

· Keep your debt from credit cards and other sources manageable.

· If you don't already own a home, consider if this is a good option for you. While a home purchase can be expensive, it also can be an excellent investment and source of tax breaks.

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com .

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