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HOW DO THEY WORK?

  • Potential for growth and/or income with the opportunity to outpace inflation
  • Convenient, low-cost access to professional money management
  • Participation in the stock and bond markets
  • Low monthly investment minimums
  • Diversification *May Lose Value
    *Not Bank Guaranteed
    *Not FDIC Insured
  • Annuities
  • Insurance
  • Bonds
  • Stocks
  • Mutual Funds
  • Insurance
  • Long-term care
  • Asset allocation planning
  • Estate planning
  • Investing for college education
  • Retirement planning
  • Bonds (taxable and tax-free)
  • Stocks
  • Annuities
  • Mutual Funds

      Your FIS Investment Professional may, where permissible, provide you with investment consultation in the following areas:

      Will your current investments carry you into the 21st century and beyond? Preparing for your financial future means planning today.

      Plan Today So You Can Enjoy Tomorrow!

      MAKE INVESTMENTS A PART OF YOUR PLAN FOR LIFE

      * A surrender charge on annuities may be imposed, generally during the first 5-7 years. Withdrawals prior to age 59 1/2 may result in a 10% penalty. The guarantee of the fixed portion of an annuity is backed by the financial strength of the underlying insurance company. Sub-account values will fluctuate.

      Your FIS Investment Professional can help you select the right combination of investments for your unique needs. Call today for a free consultation.


    Municipal bonds and mutual funds that invest in municipal notes and bonds may be exempt from federal and / or state taxes. Income may be subject to the Alternative Minimum Tax.
  • Tax-Exempt Securities
    Annuity contributions are not tax-deductible, but earnings are tax-deferred. Their benefit over an IRA is the ability to contribute a much higher amount per year, thereby receiving tax-deferment on a larger portion of your earnings.
  • Fixed or Variable Annuities*
    An IRA is one of the most popular retirement planning vehicles, giving you access to a wide range of investments. All or part of your contributions may be tax-deductible, depending on a number of factors. Your earnings are tax-deferred until withdrawn. The contribution limit is $2,000 per year in most cases.
  • Individual Retirement Accounts (IRAs)

      There are many attractive investment choices when it comes to retirement. Some offer tax deductibility and allow all or part of your contributions and subsequent earnings to remain tax-free until you make withdrawals. These are the most popular, as your money can compound at a faster rate. Some of the most common methods include:ad/?_Y2+( >   C JC=Islf&ib\'ohb^' d-/. Bonds exempt from most income taxes (may be subject to the AMT**) Municipal bonds/tax-free income High Very low A mix of bonds and some stocks with consistent dividends Fixed Income/high current income Moderate Moderate Stock of well-established companies with consistent dividends Growth & income/strong growth with some income Low High Stock of mid-size or large companies Growth Very low Very high Stock of new or small companies Aggressive growth Potential Income* Potential Growth* Type of Securities Fund Type/Fund Objective The following chart illustrates the various types of mutual funds and their earning potential: MONTHLY INVESTMENT CHART

      Always request and read the prospectus carefully for complete information regarding charges and expenses

      Contact your FIS Investment Professional to assist you in choosing the fund(s) that most closely match your time horizon, risk tolerance and investment objectives.

      There are many types of mutual funds to meet a variety of investment objectives. Generally, all funds are designed for either growth, income, tax-free income or a combination of these objectives.

      WHICH FUND TYPE IS BEST FOR ME?

    • Generating income at retirement
    • Planning for your retirement
    • Saving for your child's education through IBI Financing
    • Lowering your taxes

        Mutual funds may be a good choice if you have long-term goals such as:

        ARE MUTUAL FUNDS THE RIGHT CHOICE FOR ME?

        With these potential rewards, mutual funds also carry some risk. The value of your shares can fluctuate. If you sell shares during a time when your fund has decreased in value, you may receive less than you originally invested, thus a loss of principal.

    • Investments within the fund earn dividends or interest. You receive a portion of these dollars relative to the number of shares you own.
    • The value of the fund's assets increase, causing your shares to be worth more. You will recognize a gain if you sell your shares.

        When you own shares in a mutual fund, your investment will grow if:

        HOW CAN I MAKE MONEY?

        When you invest in a mutual fund, your money is pooled with money from many other investors. The managers of the fund purchase a broad range of securities with this pool. You receive a specified number of shares based on the size of your investment relative to the net asset value of the fund's total shares.adzr7|,voipi`  | T u 6  *c 8\V!fe<Axrq

    • THE PRICE OF PROCRASTINATION

      With each year you wait, the monthly savings you must contribute to reach the same goal increases significantly.

      The answer to this question should always be the same - TODAY! The longer you wait to begin saving, the more you will have to invest each month to achieve the same result. The chart below shows how important it can be to start the process early.

      WHEN SHOULD I BEGIN INVESTING?

      With this basic information, your FIS Investment Professional can assist you in determining your retirement goals and creating a systematic plan to help you get there.

    • Do I have access to a retirement plan through my employer?
    • How much do I currently have saved, and in what types of investments?
    • What are my current living expenses and how will these change when I retire?
    • At what age do I plan to retire?

        However, with a clear investment goal and careful planning, you can successfully generate a steady stream of income throughout your retirement years. The following questions will help you get started with your plan:

        The likelihood of living 20-30 years in your retirement is better than ever. Maintaining your current standard of living during that time may prove to be a challenge.

        HOW MUCH MONEY WILL I NEED?

        Fiserv Investor Services, Inc. (FIS) can help you invest wisely for your golden years.

        Whether your vision for retirement will become reality depends on your actions today. Ensuring financial security upon retirement means starting early and exploring new investment opportunities.

        The average person will need 70-80% of his or her current income to retire comfortably. With the future of Social Security uncertain and the power of company pension plans diminishing, where will the money come from?

        YOUR GOLDEN YEARS...A WORTHWHILE INVESTMENT

        Don't Retire Your Dreams Before You Reach Retirement

        RETIREMENT PLANNING

        Let the investment Professional guide you through a wide range of investment choices. We don't just help you plan...we help you plan for life. Call for an appointment today.

    • Insurance
    • Long-term care
    • Asset allocation planning
    • Estate planning
    • Investing for college education
    • Retirement planning
    • Bonds (taxable and tax-free)
    • Stocks
    • Annuities
    • Mutual Funds

        Your FIS Investment Professional may, where permissible, provide you with investment consultation in the following areas:

        Will your current investments carry you into the 21st century and beyond? Preparing for your financial future means planning today.

        MAKE INVESTMENTS A PART OF YOUR PLAN FOR LIFE

    • **Alternative Minimum Tax
      *Rated by the Wall Street Journal to Understanding Money and Markets, 1990.
      Moderate-high Low A mix of stocks and bonds Balanced/both income & growth Moderate-high Low-moderateadbY k"i8 c 0 ) # [ T N  } w F  o < e4](!RKE|uo> h5_/ba

      WHAT ARE MY INVESTMENT CHOICES?The rate stated is hypothetical and does not represent the return of a particular investment. $4,225 5 $647 18 $3,373 6 $583 19 $2,769 7 $527 20 $2,319 8 $477 21 $1,972 9 $433 22 $1,697 10 $394 23 $1,474 11 $358 24 $1,291 12 $326 25 $1,137 13 $298 26 $1,008 14 $272 27 $897 15 $249 28 $802 16 $227 29 $719 17 $208 30 MONTHLY INVESTMENT YEARS TO RETIREMENT MONTHLY INVESTMENT YEARS TO RETIREMENT Assuming an 8% average annual return, you would need to invest the following amounts each month to generate income of just $25,000 per year throughout your retirement