MAY & JUNE 2015 NEWS

WELCOME TO FIRST POINT!Greetings! This edition is full of many special experiences and opportunities available to you as a Private Banking client.

Our financial planning seminars continue to fill up, and we enjoy providing you with information to help you make sound financial decisions. In May, we’ll highlight the importance of financial planning at any age. In June, we’ll be discussing scams, frauds and identity theft.

It’s that time of year to think about home improvements and sprucing up your home. A home equity loan or line of credit may be a good fit for you. We have a home equity promotion featuring no closing costs that you may want to check out!

Get ready to pull out your calendars, as we have many upcoming outings planned. We’re heading to the Quad Cities in July, a fall excursion to New England and Kansas City in November. You are always welcome to invite a friend to join in the fun!

Priority theater tickets continue to be a popular benefit. New theater seasons bring opportunities for access to CY Stephens and Civic Center tickets – be sure to check up the line- up of shows available to you. Ticket reservations are as easy as contacting your Private Banker.

Whether you have questions about your banking, overall financial planning strategies, or would like to join us for an outing, we are your First Point – contact us anytime.

Tanya

Stacy

Jen

A PUBLICATION EXCLUSIVELY FOR PRIVATE BANKING CLIENTS

Tanya Anderson • 663.3009 • Tanya.Anderson@FNBames.com

Stacy Dreyer • 663.3075 • Stacy.Dreyer@FNBames.com

Jen Walter • 777.7174 • Jennifer.Walter@FNBAnkeny.com

FIRST POINT education

2

THE IMPORTANCE OF FINANCIAL PLANNING AT ANY AGETUESDAY, MAY 19

It’s easy to think that a financial plan is only necessary when you need to make a big purchase or rearrange your portfolio. However, financial planning affects much more than your bank account, and a successful plan should follow you through all the stages of your life.

Don Rahn, CFP®, Wealth Management Advisor with First Point Wealth Management, will be discussing financial planning at any age. He will cover:

• Beginning your financial plan in your 20s

• Taking it to the next level in your 30s

• Building up your plan in your 40s

• In the home stretch in your 50s and 60s

• Planning during retirement

Whether you are looking for advice for yourself or for a loved one, we hope you will join us.

Our educational seminars have been a very popular First Point benefit. The purpose of the seminars is to help you make the best financial decisions, as well as to introduce you to the services we provide through Wealth Management. Reservations are required to attend the seminars, and space is limited.

BANK THE KNOWLEDGE SEMINARS

Reservations required.

RSVP to Tanya at 515.663.3009 or Tanya.Anderson@FNBames.com

First National Bank 405 5th Street, Ames11:30 a.m. – 1:00 p.m.

FIRST POINT education

3

PROTECT YOURSELF FROM SCAMS, FRAUDS & IDENTITY THEFT

THURSDAY, JUNE 4 - WEST GLEN BRANCH5625 Mills Civic Parkway, Ste. 100, West Des Moines

THURSDAY JUNE 25 - ANKENY BRANCH1205 North Ankeny Boulevard, Ankeny

Avoiding scams and frauds is top-of-mind for many of our clients. Bank staff will educate you on this topic and provide helpful tips to protect your identity and accounts. We’ll provide information in regard to online banking, debit cards, and credit monitoring.

A light lunch will be provided.

Please call Jen to reserve your spot today!

Reservations required.

RSVP to Jen at 515.777.7174 or Jennifer.Walter@FNBAnkeny.com

First National Bank

11:30 a.m. - 1:00 p.m.

Locations and dates listed below.

LIFE-STAGE ESTATE PLANNING

Putting together an estate plan is usually last on the list of things you enjoy doing. Estate planning can be uncomfortable, but once the planning is complete, it can be a source of confidence. Planning is as much a service

to yourself as it is to your loved ones. Below are some helpful tips for you to consider:

Starting Out – Young and Single This is the time of life when the foundation for future planning is laid and the necessities and goals of a solid estate plan are learned.Action Step: The simplest parts of estate planning to establish are beneficiaries to life insurance and retirement accounts. A few simple documents can establish your wishes and give property to the most fitting parties.

Family First – Young and MarriedAfter you begin a family, a plan for your children’s future are of utmost importance.Action Step: To protect your children, parents should draft new wills to designate whom you would like to be legal guardians in the event both parents pass. Remember, if you do not establish a plan and make your wishes known, the state of Iowa has one for you.

The Empty Nest – Middle AgeAt this stage, a prepared middle-aged individual will likely be on estate planning auto-pilot. Action Step: With still plenty of time until you retire, you may consider planning out advanced methods of avoiding estate taxes in the future.

A Lot to Give – RetirementNow is the time you may want to use some of your retirement savings for travel or gifting to family members. An important step is to know your net worth.Action Step: A thorough appraisal of all assets will not only give you an idea of your retirement picture, but can also reveal any potential exposure to estate taxation. A simple appraisal of bank accounts, real estate, personal property, life insurance, and investments is a good place to begin.

4

FIRST POINT wealth managementRic Nelson, CFP® - Senior Investment Representative

5

FIRST POINT wealth management

Regardless of your stage of life, taking steps to plan for the future of your estate can be one of the most important things you do. First Point Wealth Management is here to help you with any of your estate planning needs.

515-663-3043 FirstPoint@LPL.com

Securities & Insurance products offered through LPL Financial, and its affiliates, Member FINRA/SIPC

Not FDIC Insured No Bank Guarantee May Lose Value

Not A Deposit Not Insured By Any Government Agency

SERVICE highlights

6

HOME EQUITY PROMOTION

The possibilities are endless with our Home Equity Loans and Lines of Credit.

Take advantage of our NO CLOSING COSTS on a Home Equity Loan or Line of Credit offer going on through June 30, 2015!*

To learn more about First National Bank’s Home Equity Loans or to take advantage of no closing costs, visit www.FNBames.com or contact our Home Equity Loan Specialist, Jacki Foley, today!

Jacki Foley - 515.663.3085

*Excluding appraisal if necessary. Property insurance will

be required.

It’s your equity, make it work for you!

7

For reservations call 515-663-3009 or email Tanya.Anderson@FNBames.com

SUMMER ESCAPE TO THE QUAD CITIES AND LE CLAIRETUESDAY, JULY 28

Hit the road for a summer escape! We’ll head east to the Quad Cities to enjoy the Chocolate Manor tour and explore the Village of East Davenport, complete with a tour of the Isabel Bloom production studio.

Lunch will be aboard the Celebration Belle while we cruise the mighty Mississippi. Next we’re off to the quaint river town of Le Claire to visit Antique Archaeology and enjoy dinner at a local establishment.

Trip includes transportation, admissions, lunch, dinner and gratuities for $191 per person. It’s an outing you won’t want to miss!

Invite a friend and reserve your spot by contacting Tanya at 515.663.3009 or email Tanya.Anderson@FNBames.com.

Registration deadline is June 12th.

8

KANSAS CITY GETAWAYNOVEMBER 6 & 7

Shopping. Dining. Live Music. All Fun. No Stress.

Give yourself the first gift of the season and join us for a fun weekend to Kansas City!

Day 1 Activities:

• Shopping at Legends Outlet Mall (lunch on your own)

• Dinner at Power & Light District

• Option of return to Rafael Hotel, explore Power & Light District, or join reserved tables at Howl at the Moon Dueling Piano Bar located in the Power & Light District

• Overnight at Rafael Hotel

Day 2 Activities:

• Jazz brunch at Rafael Hotel

• Shopping at Country Club Plaza

• Late lunch on the Plaza

• Return home

Getaway includes transportation in a private deluxe motor coach, hotel accommodations at the boutique Raphael Hotel, round trip baggage handling for 1 bag per person, dinner on Friday evening, brunch on Saturday morning, lunch on Saturday afternoon. Also includes all taxes and gratuities.

Doubleoccupancy,$449/personSingleoccupancy,$572/person

Invite a friend and reserve your spot by contacting Tanya at 515-663-3009 or email Tanya.Anderson@FNBames.com.

9

AUTUMN SPLENDOR IN SOUTHERN NEW ENGLAND TRAVEL SHOW

TUESDAY, MAY 196:30 P.M.405 5TH STREET, AMES BRANCH

Star Destinations will highlight all the wonderful stops on this Fall tour.

For reservations or questions, contact Tanya at 515.663.3009 or email Tanya.Anderson@FNBames.com.

CUSTOMER APPRECIATION BBQMOORE MEMORIAL PARK3050 NORTHRIDGE PWKY, AMESPlease make reservation by August 5th by emailing Tanya at Tanya.Anderson@FNBames.com or call 515.663.3009.

First Point Private BankingAPPRECIATION

August 11, 5-7 p.m.

SAVE THE DATE!

10

PRIORITY THEATER TICKETSGREAT SEATS, NO LINES, NO ADDITIONAL FEES. A popular benefit of First Point Private Banking is access to priority theater tickets at the Des Moines Performing Arts Center as well as CY Stephens. We will have access to the performances listed below (dates and pricing coming soon).

Des Moines Performing Arts:

• Bridges of Madison County

• Dirty Dancing

• A Gentlemen’s Guide to Love & Murder

CY Stephens:

Many great performances are available! Please check our website for a full list and pricing details.

You can reserve your tickets by simply contacting your Private Banker!

2015 CALENDAR OF EVENTS

To sign up for travel opportunities and seminars or to reserve tickets for upcoming theater events, call Tanya at 515.663.3009 or email Tanya.Anderson@FNBames.com.

11

MAY 19 The Importance of Financial Planning at Any Age (pg. 2)

MAY 19 Southern New England Travel Show (pg. 9)

JUNE 4 & 25 Protect Yourself from Scams, Fraud & Identity Theft (pg. 3)

JULY 28 Get Away to the Quad Cities & Le Clair (pg. 7)

AUGUST 11 Customer Appreciation BBQ (pg. 9)

NOVEMBER 6 & 7 Kansas City Getaway (pg. 8)

405

5TH

STR

EET

• P.

O. B

OX

846

AM

ES, I

OW

A 5

0010

PRSR

T ST

DU

.S. P

ost

age

PAID

Am

es, I

APe

rmit

No.

307

IN T

HIS

ED

ITIO

NU

pco

min

g E

duc

atio

nal E

vent

s .

....

....

....

2

Firs

t Poi

nt W

ealth

Man

agem

ent .

....

....

....

4

Firs

t Po

int

Esc

apes

- T

rave

l & S

oci

al .

.....7