a non-deductible account that features tax-free withdrawals for certain 
                                                            
                                                     
                        
                                                
                        
                        
                            a nondeductible account that features tax-free withdrawals of earnings after a five-year holding period and when certain requirements are met
                                                            
                                                     
                        
                                                
                        
                        
                            a nondeductible account that offers tax-free withdrawals with certain criteria after the five-year holding period
                                                            
                                                     
                        
                                                
                        
                        
                            a nondeductible IRA that allows tax-free withdrawals for qualified distributions after a five-year holding period
                                                            
                                                     
                        
                                                
                        
                        
                            a traditional IRA that has no tax-deductible contributions but provides other benefits