Dear Lisa, I really enjoyed the birthday dinner at Club 1201. Would it be possible to bring more than one guest with me to my birthday dinner? - Dinner for Two or Three

Dear Dinner for Two or Three,I would love for you to bring friends or family with you. You will need to add them to your invitation, choice of food and the payment at the time of reservation. This is a great way for you to celebrate your birthday! Remember to call early!

Dear Lisa, I am signed up for several trips and am concerned about severe weather. Do you have plans? - Weather Watcher

Dear Weather Watcher,That is a great question and I know many others are wondering the same thing. When tickets are purchased they most generally are non-refundable and the trip will go on as scheduled. I do check our weather and the weather of where we are heading just to be informed. The bus drivers are also aware of any impending weather and of places we could stop to get to safety.

Dear Lisa, My friend and I wanted to go on your extended trip to Boston but had too many conflicts to go. Will you have other long trips planned in the future? And will any of the extended trips be bus trips? - Missed Out on a Great Trip

Dear Missed Out on a Great Trip,Sorry you have to miss out on our first trip but there will be more to come. I do have another trip planned for next April; Southern Charm (see info below). We have chosen trips that fly us to our destinations instead of busing to save time. I am currently “shopping” for another trip for the fall of 2014. Let me know what areas of the US or international places you would like to tour.

Lifestyles “For The Young At Heart”

YOUR LIFESTYLES ADVISORS:Carthage:3rd & Maple ............................ Melody Thompson – 358-93312417 S. Grand ..............................Bonita Harrison – 358-1770Jasper: ........................................Della Selvey – 394-2546alba: ................................................................... – 525-4218Neosho: ......................................Linda Martin – 451-7800S. Hwy. 59 ............................................................... – 451-7700DuquesNe: ................... Shanon McWilliams – 623-5959JopliN:32nd & Indiana ................................... Becca Farris – 624-1995Zora ...............................................Becky Westhoff – 206-6800Stones Corner .............................Heather Henson – 623-040032nd & McClelland ....................... Brenda Danner – 623-5255

IMPORTANT PHONE NUMBERS

Customer Service .....................................1-800-943-8488

24-Hour Access Line .................................1-800-300-5580

Investment Services ........................781-6019 or 358-9331

Trust Services .................................................... 623-3424

Mortgage Loan ................................................... 624-9970

Consumer Loan ...................................Info. in all branches

Lisa Passley ....................................................... 624-1995

NEwSLETTERIssue 43 • July 2013

Letters to Lisa...

Baker’s Corner

Pecan Praline cake1 box butter pecan cake mix 4 eggs3/4 cup oil 1 cup waterMix together, and then add the following:1 jar of cocunut pecan cake icing 1/2 cup chopped pecans

Bake at 350o for 40 minutes.

Topping:14 oz. can sweetened condensed milk2 tbsp. butter 1/2 cup chopped pecansMix in small sauce pan until combined and warm. pour overcooled cake or spoon warm icing over individual slices of cake. Submitted by Charlene Smith

Join Southwest Missouri Bank Lifestyles for “Southern Charm” Trip WHAT: Take a trip with Southwest Missouri Bank to experience the history, charm and singular hospitality of the Low Country in Georgia and South Carolina. Southwest Missouri Bank is organizing a special tour, Southern Charm, from leading tour operator Collette Vacations. Interested travelers can learn more about the tour by attending a free and informational presentation from Sonia Lynn Smith, a local Collette Vacations District Sales Manager. WHEN: Tuesday, September 3, 2013 3:00 PM or 6:30 PMWHERE: SMB Duquesne Community Center 801 S. Duquesne Rd., Joplin, MOThe Southern Charm tour departs April 27, 2014, for seven days. The tour features Charleston, Savannah and Jekyll Island. Travelers explore one of America’s oldest working plantations, Boone Hall, set amidst moss draped oaks. They visit charming Beaufort. Passengers learn the history of Savannah and Antebellum Charleston with guided city tours. Soak in two nights at the exclusive Jekyll Island Club, once described as “the richest, most exclusive club in the world”, and take an enchanting trolley ride through St. Augustine, Florida, the oldest city in the United States.CONTACT: For more information about the Southern Charm tour, and toRSVP to the presentation, please contact Lisa Passley at Southwest MissouriBank Lifestyles (417) 624-1995.

Southern Charm Trip

SAVE THE DATE!!!

Our AnnuAL CHrISTMAS PArTIeS

wILL be HeLd On THe fOLLOwIng dATeS:Neosho - Wednesday, December 4Carthage - Thursday, December 5

Joplin - Tuesday, December 10

SMB Trust Services can provide the following services: Estate and Wealth Transfer Planning, Trust Management, Probate Estate Management, Managed Estate Bill Paying, Special Needs Trust Management, Conservatorship Management, Investment Management, and Non-profit Investment Management. As a customer of the Trust Services Department, each of these services includes managing the assets in your account.

Our portfolio analyst has many resources to research and review investment options, and we have recently added a new resource. To enhance our services and provide greater depth and scope of research, we now employ the services of MainStreet Advisors, an independent investment sub- advisor based in Chicago, Illinois with $2 billion under advisement. Our local officers work with their portfolio analysts, traders, and managers to provide you innovative investment management solutions. However, all final investment decisions are made locally.

Managing your investments is one small part of managing your estate. But you can be sure that SMB has the expertise to handle that aspect of your estate plan. We would be happy to meet with you to review your investments and discuss how they fit into your overall estate plan.

Doug CrandallSenior Vice President

& Trust Officer

TrusT DeparTmenT….Doug Crandall & Lora phelps alice Taft, richard patterson, stephanie Brammer, and Blake nevill

Minimum Lifestyles Requirements:

• Age 50 years or over • Need a Lifestyles checking account ($1,000 minimum) If you have a total deposit relationship of $5,000 or more with SMB, there is no minimum balance requirement for the checking account and the account is free

Look What’s happening in the trust Department!

Lora PhelpsAssistant

Vice President& Trust Officer

AT AreA SenIOr CenTerS!We will be calling bingo and bringing prizes. Hope to see you there!

Carthage CANDO Center July 24 - 10:30 a.mNewton County Senior Center (NeoSHo) Aug. 21 - 9:30 a.m.Joplin Senior Center Sept. 18 - 10:30 a.m.Webb City Senior Center Oct. 9 - 10:15 a.m.The Center (Carl JuNCtioN) Nov. 15- 10:00 a.m.

2013 EvENT CAlENdARJuly 17 “Joseph”

Sight & Sound Theatre - Branson, MO - $86.00 per person

Aug. 14 “Buddy - the Buddy Holly Story”The New Theatre - $71.00 per person

Sept. 13 Presley’sBranson, MO - $80.00 per person

Sept. 17 annual lifestyles Golf tournamentNeosho Golf Course - $38.00 for Lifestyles Members

$58.00 for Non-Lifestyle Members

Sept. 20 Mel tillisBranson, MO - $75.00 per person

Oct. 23 “the Fox on the Fairway”The New Theatre - $71.00

Oct. 8-14 “autumn in New england tour” Call for details

Nov. 1 Daniel O’DonnellBranson, MO - $95.00 per person

Nov. 22 tony orlando Christmas Show Branson - $88.00 per person

Dec. 4 Neosho Christmas Party

Dec. 5 Carthage Christmas Party

Dec. 10 Joplin Christmas Party

Lisa Passley, Doug Musick and Melody Thompson with Cindy Williams & the rest of the cast of “Weekend Comedy”

additional birthday party dates

When making your reservation for this location, please select either the Italian Chicken OR Sliced Sirloin

Tuesday, July 9, 2013 aT 12:00 NOONat Granny shaffer’s Trolley Room – Joplin

When making your reservation for this location, please select either the 6 oz. Filet Mignon OR the Chicken Cordon Bleu

ThuRsday, July 11, 2013 aT 6:00 PMClub 1201, 1201 e. 32Nd st. – Joplin

Lifestyles members whose birthdays are in July will be guests of the Bank. Guests of birthday members are welcome at a charge of $11 per person for the luncheon and $15 per person for the dinner. Payment for guests must be made at time of reservation. To make your reservation, please call: Lisa Passley, 624-1995 or contact the Lifestyles Advisor at any SMB location most convenient for you.

—OR—

In 1967, The Presleys laid the foundation that would help Branson, Missouri become the live music show capital of the world. The Presleys’ blend of country, gospel, bluegrass and hilarious comedy has become a family tradition. Dinner before the show at Fallcreek Steak and Catfish House is included. details: depart Joplin at 2:30 p.m.; pick up passengers in Carthage at 2:50 p.m.Approximate return time to Joplin is 12:30 a.m.

Cost: $80.00 per persondeadline for having your money to Lisa’s office is August 16, 2013.

Friday, September 13, 2013“preSleyS’ Country Jubilee”branSon, mo - one buS only

It’s Back! One of TNT’s most popular productions of all time! “Buddy - The Buddy Holly Story” tells the story of Buddy Holly’s short, yet explosive career and features his classic songs: “Peggy Sue,” That’ll Be The Day,” “Not Fade Away,” “Oh Boy,” “Maybe Baby,” “Rave One” and many more. This show rocks! A delicious lunch buffet is included. details: depart Joplin at 8:30 a.m.; pick up passengers in Carthage at 8:50 a.m.Approximate return time to Joplin is 6:30 p.m.

Cost: $71.00 per persondeadline for having your money to Lisa’s office is July 17, 2013.

WedneSday, auguSt 14, 2013“buddy - the buddy holly Story”

tWo buSeS - the neW theatre - overland park, kS

MEl IS BACk! Grand Ole Opry member and Country Music Hall of Fame Inductee, Mel Tillis has made his mark as an entertainer as well as a song writer. His many hits include “Detroit City,” “Ruby,” and “Coca Cola Cowboy” to name a few. Millions have experienced his singing, songwriting and acting. Mel will entertain crowds with his award-winning talent and beloved, chart-topping songs at the 2:00 p.m. show located at the Clay Cooper Theatre! lunch at McFarland’s is included in the price. RSVP as soon as possible as this trip will fill up quickly! details: depart Joplin at 9:00 a.m.;pick up passengers in Carthage at 9:20 a.m. Approximatereturn time to Joplin is 7:00 p.m.

Cost: $75.00 per persondeadline for having your money to Lisa’s office is August 23, 2013.

Friday, September 20, 2013mel tilliS

branSon, mo - one buS only

happy birthday! To celebrate your birthday, Southwest Missouri bank

CArTHAge * JOPLIn * duqueSne * neOSHO * JASPer * ALbAcordially invites you to YOur bIrTHdAY PArTY! For ALL Lifestyles Members with birthdays in JuLY

Soar with Joseph as his inspiring story unfolds in front, beside and even above you. With innovative dream sequences, lavish Egyptian staging, colorful characters, live animals and memorable songs, this energy packed show will leave you laughing, crying and uplifted with the life-changing message of forgiveness. Upon our arrival in Branson we will have lunch at The Great American Chicken House with your choice of: soup and salad bar, chicken salad sandwich, fried chicken or meatloaf with sides included in addition to dessert. Following lunch we will travel to Sight and Sound Theatre for the 3:30 showing of “JOSEPH”. Packaged crackers will be provided on our non-stop trip home. details: depart Joplin at 10:30 a.m.; pick up passengers in Carthage at 10:50 a.m.Approximate return time to Joplin is 8:30 p.m.

Cost: $86.00 per persondeadline for having your money to Lisa’s office is April 19, 2013.

WedneSday, July 17, 2013“JoSeph”

Sight and Sound theatre - branSon, moone buS only

It’s tIme Once AgAIn FOr OurAnnual Lifestyles golf tournament • september 17th, neosho golf course

Make plans and mark your calendar now for the Lifestyle Golf Tournament! The tournament will be a 4-person scramble with a flight for men and a flight for mixed pairs. You can make a team of your own or we can put you on a team. Information will be mailed out to last year’s teams in August. If you didn’t play last year, call Lisa to sign up so you can be added to the mailing list. Lunch will be provided prior to the 12 noon shotgun start. Dessert will be served during the awarding of prizes and additional drawings. Golfers, you won’t want to miss out on this fun day!

cost $38.00 for Lifestyles members $58.00 for non-Lifestyle members

lUNCHEON dINNER

Aug. 6 • Sept. 10 • Oct. 22 • NOv. 5 • Dec. 11 Aug. 8 • Sept. 12 • Oct. 24 • NOv. 7 • Dec. 12

This International star has become one of the most successful entertainers in the world and will team up with Mary Duff, Ireland’s top female vocalist. You’ll get a blend of traditional Irish ballads, country favorites and gospel with an Irish twist in this 3 hour show. Price includes lunch at Grand Plaza View Restaurant. details: depart Joplin at 9:00 a.m.; pick up passengers in Carthage at 9:20 a.m.Approximate return time to Joplin is 8:00 p.m.

Cost: $95.00 per persondeadline for having your money to Lisa’s office is October 4, 2013.

Friday, november 1, 2013daniel o’donnel

moon river theatre - branSon, mo

Tony Orlando brings his incomparable energy and talent to the Welk Resort Theatre in 2013, for his 20th and final Christmas season in Branson, with his acclaimed Christmas show, Tony Orlando’s Great American Christmas! Tony will sing all of your holiday favorites and will also include his greatest hits; “Candida”, “knock Three Times”, “Tie a Yellow Ribbon”, “Sweet Gypsy Rose” and more. Then, Santa pays a visit and Tony and Santa honor the true meaning of Christmas. It’s a Branson must-see! Before heading to the 8:00 p.m. show we will need to “Dawn” our gloves for the amazing “throwed rolls” at lamberts in Ozark. If time allows a quick stop at Russell Stover in Ozark after dinner. Price includes meal at lamberts. details: depart Joplin at 2:00 p.m.; pick up passengers in Carthage at 2:20 p.m.Approximate return time to Joplin is 12:00 a.m.

Cost: $88.00 per persondeadline for having your money to Lisa’s office is October 25, 2013.

Friday, november 22, 2013tony orlando ChriStmaS ShoW

Welk reSort - branSon, mo

2013Rodeo Roundupon the PonderosaLifestyles Ladies Tea

Jackie Ranum comingin from the range.

Red Hat Cowgirls enjoying a

delicious dessert.

Loretta takes a break from roping a “Steere”.

SMB Lifestyles America’s Got Talent &Mustaches with John Wayne.

L to R: Meg Berrian, Judy Marcum, JohnWayne, Lori Lassiter, Moola (Anna Abernathy), Della Selvey,

Judy Lambeth, Kneeling: Tracy Asbell and Lisa Passley.

Three time Academy Award nominee Dyan Cannon stars in this chaotic comedy which takes audiences on a hilarious romp that pulls the rug out from underneath the stuffy denizens of a private country club. Filled with mistaken identities, slamming doors, and over-the-top shenanigans, it’s a furiously paced comedy that recalls the Marx Brothers’ classics. A charmingly madcap adventure about love, life, and man’s eternal love affair with...golf. A delicious lunch buffet is included. details: depart Joplin at 8:30 a.m.; pick up passengers in Carthage at 8:50 a.m.Approximate return time to Joplin is 6:30 p.m.

Cost: $71.00 per persondeadline for having your money to Lisa’s office is Sept. 25, 2013.

WedneSday, oCtober 23, 2013“the Fox on the FairWay”

tWo buSeS - the the neW theatre - overland

advance what your return from the match will be; very few investments can offer the same degree of certainty. That’s why many financial experts argue that saving at least enough to get any employer match for your contributions may make more sense than focusing on debt.

And don’t forget the tax benefits of contributions to a workplace savings plan. By contributing pretax dollars to your plan account, you’re deferring anywhere from 10% to 39.6% in taxes, depending on your federal tax rate. You’re able to put money that would ordinarily go toward taxes to work immediately. That can help you take advantage of the power of time.

YOuR ChOiCe DOeSN’T hAve TO be All OR NOThiNgThe decision about whether to save for retirement or pay off debt can sometimes be affected by the type of debt you have. For example, if you itemize deductions, the interest you pay on a mortgage is generally deductible on your federal tax return. Let’s say you’re paying 6% on your mortgage and 18% on your credit card debt, and your employer matches 50% of your retirement account contributions. You might consider directing some of your available resources to paying off the credit card debt and some toward your financial account in order to get the full company match, and continuing to pay the tax-deductible mortgage interest.

It might also be easier to address both goals if you can cut your interest payments by refinancing that debt. For example, you might be able to consolidate multiple credit card payments by rolling them over to a new credit card or a debt consolidation loan that has a lower interest rate.

Bear in mind that even if you decide to focus on retirement savings, you should make sure that you’re able to make at least the monthly minimum payments owed on your debt. Failure to make those minimum payments can result in penalties and increased interest rates; those will only make your debt situation worse.

You can use a variety of strategies to pay off debt, many of which can cut not only the amount of time it will take to pay off the debt but also the total interest paid. But like many people, you may be torn between paying off debt and the need to save for retirement. Both are important; both can help give you a more secure future. If you’re not sure you can afford to tackle both at the same time, which should you choose?

There’s no one answer that’s right for everyone but here are some of the factors you should consider when making your decision.

RATe Of iNveSTmeNT ReTuRN veRSuS iNTeReSTRATe ON DebTProbably the most common way to decide whether to pay off debt or to make investments is to consider whether you could earn a higher after-tax rate of return by investing than the aftertax interest rate you pay on the debt. For example, say you have a credit card with a $10,000 balance on which you pay nondeductible interest of 18%. By getting rid of those interest payments, you’re effectively getting an 18% return on your money. That means your money would generally need to earn an after-tax return greater than 18% to make investing a smarter choice than paying off debt. That’s a pretty tough challenge even for professional investors.

And bear in mind that investment returns are anything but guaranteed. In general, the higher the rate of return, the greater the risk. If you make investments rather than pay off debt and your investments incur losses, you may still have debts to pay, but you won’t have had the benefit of any gains. By contrast, the return that comes from eliminating high-interest-rate debt is a sure thing.

AN emplOYeR’S mATCh mAY ChANge The equATiONIf your employer matches a portion of your workplace retirement account contributions, that can make the debt versus savings decision more difficult. Let’s say your company matches 50% of your contributions up to 6% of your salary. That means that you’re earning a 50% return on that portion of your retirement account contributions. And that doesn’t count any investment returns or gains from compounding you might achieve over time.

If surpassing an 18% return from paying off debt is a challenge, getting a 50% return on your money simply through investing is even tougher. The old saying about a bird in the hand being worth two in the bus applies here. Assuming you conform to your plan’s requirements and your company meets its plan obligations, you know in nOT fdIC InSured – nO bAnK guArAnTee – MAY LOSe VALue

graDy huke 237-3766

sherri Fichtner 781-6018

Material prepared by Raymond James for use by its financial advisors.

Pay Down Debt or Save For retirement?

lIFESTYlES EvENT RESERvATION FORMPlease print clearly and send this reservation form with payment to:

lisa Passley • Southwest Missouri Bank • 1000 East 32nd St. • Joplin, MO 64804

NAME(S) _________________________________________________________________________________

__________________________________________________________________________________________

ADDRESS ________________________________________________________________________________

CITY ______________________________________________STATE ___________ ZIP _________________

PHONE ___________________________________________________________________________________

q Wed. July 17, 2013 $86.00 q Wed. Aug. 14, 2013 $71.00 q Fri. Sept. 13, 2013 $80.00 q Tues. Sept. 17, 2013 q Fri. Sept. 20, 2013 $75.00 q Wed. Oct. 23, 2013 $71.00 q Fri. Nov. 1, 2013 $95.00 q Fri. Nov. 22, 2013 $88.00

Lifestyles

g e n e r A L T O u r I n f O r M A T I O nAdvance reservations are encouraged and will be accepted for all trips. The sooner your reservation is received the better. All trips have a deadline for payment to be received in lisa’s office. After the deadline, unpaid tickets will be returned to the theater. Confirmation letters, with a full itinerary, will be mailed 4-5 weeks prior to departure date. If there are any questions, please contactlisa, 624-1995 or your local lifestyles Advisor.

1000 E. 32nd Street • Joplin, MO 64804

Presort Std.U.S. POSTAGE

P A I dJoplin, MO 64802Permit No. 116

departure Location: q Joplin q Carthage q Jasper (Destinations North)

!

MaRk The daTe(s) yOu PlaN TO aTTeNd:

eMergenCY COnTACT: NAME __________________________________________PHONE: ______________________________

CONFIRMATION lETTERS ARE MAIlEd 4-5 wEEkS PRIOR TO dEPARTURE dATE

Member FDIC

This is your

Newsletter

Members $38.00 ea.Non-Members $58.00 ea.