WELCOME TO FIRST POINT!

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1 JANUARY & FEBRUARY 2015 NEWS A PUBLICATION EXCLUSIVELY FOR PRIVATE BANKING CLIENTS WELCOME TO FIRST POINT! Happy New Year! As we begin another year, we look forward to serving our private banking clients. From Bank the Knowledge education sessions to new travel and social escapes, we are excited for what the new year will bring. Identity Theft continues to be a concern for everyone. In February, you can learn more about how to protect yourself from identity theft, scams and fraud. You are invited to experience Ireland on an excursion of a lifetime. You will enjoy an evening with the poetry of Yeats, a Shannon River cruise, and crystal glass blowing. You ll also see all the beautiful sights that the Emerald Isle has to offer, such as: the Giants Causeway, Cliffs of Moher, and Lakes of Killarney. You will even have the opportunity to kiss the Blarney Stone! We would love to have you join us and you re always welcome to bring a guest. We are excited to announce a day trip to experience the best of the Red Rock area in April. You ll enjoy treats, do some shopping, see the tulips and visit a winery and a brewery! Tanya Stacy There are a lot of great shows coming up at both CY Stephens and the Civic Center. Be sure to get these on your calendar and reserve your seat today! We are looking forward to the Lion King in May see details inside. 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. Jen Tanya Anderson Tanya.Anderson@FNBames.com Stacy Dreyer Stacy.Dreyer@FNBames.com Jen Walter Jennifer.Walter@FNBAnkeny.com

2 why MOBILE DEPOSIT? Mobile Deposit makes it easy to do our banking anywhere! Carrie & Andrew Ricklefs GET STARTED... Visit FNBames.com Sign-Up for Online Banking Download the First National Bank app from your App Store (search FNB Ames) Use your Online Banking password with login to login and start mobile banking 2

3 FIRST POINT education BANK THE KNOWLEDGE SEMINARS First National Bank 405 5th Street, Ames 10:00 11:30 a.m. *Note time change Reservations required. RSVP to Tanya at or Our educational seminars have been a very popular First Point benefit. The purpose of the seminars is to educate you to 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. PROTECT YOURSELF FROM SCAMS, FRAUDS & IDENTITY THEFT THURSDAY, FEBRUARY 12 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. 3

4 FIRST POINT wealth m NEW YEAR S FINANCIAL CHECKLIST Don Rahn, CFP Vice President & Wealth Management Advisor Organizing your financial house usually ranks toward the top of most New Year s resolution lists. We ve compiled a financial checklist to help you get organized for Review your tax holding withholdings. Have you had a major life change (employment, marriage, divorce, a new child) that affects your income tax? Check to make sure your tax withholding have been properly adjusted. Check to see when you last rebalanced your investment portfolio. Although you don t need to update your investments every year, many people go far too long without making necessary adjustments as they age. Review IRA and employer retirement plans for the year. Both IRAs and 401(k)s have annual contribution limits so consider the best options for your situation. The deadline for IRA contributions is usually April 15 for the previous year. Check with your tax advisor to determine tax advantages of the various IRA options. Evaluate your debt. It s a good time to evaluate your debt, determine which carry the highest interest rates and prioritize your payments. Paying off debt with the highest interest rates first can make a huge difference in reducing your debt more quickly. Consider contributions to a 529 Plan to fund children s/grandchildren s education. 529 Plans allow you to make contributions to a tax-free account that may be used to pay for qualifying secondary education expenses. Check up on wills and estate planning. Make sure that the wording of your will reflects your actual intentions and wishes, especially if you have been through a major life change. Being strategic with your retirement planning reduces stress, saves money and helps provide confidence for you and your loved ones. We are here to help with all of your financial planning needs and to assure your assets are working toward your financial goals. Call to schedule a financial check-up to kick off the new year. (515) FirstPoint@FNBames.com 4

5 management AMES NATIONAL CORPORATION RINGS IN TENS YEARS ON NASDAQ NASDAQ CLOSING BELL Ames National Corporation (ATLO) recently celebrated its 10th anniversary as a publically-traded company and is listed on the Nasdaq. In recognition of this milestone, Ames National Corporation and Tom Pohlman, president of the Company, were invited to ring the Nasdaq closing bell on December 2, HISTORY In 1975, First National Bank established Ames National Corporation to serve as its holding company in an effort to expand into additional communities. Since that time, State Bank & Trust Co., Nevada, Boone Bank & Trust Co., Boone, Reliance State Bank, Story City, and United Bank & Trust, Marshalltown have affiliated with the Corporation. With total assets of over $1 billion, the Corporation is the 6th largest Iowa-based commercial bank holding company based on total deposits. For investment information, contact Ric Nelson with First Point Wealth Management at (515) or Ric.Nelson@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 5

6 SERVICE highlights ID THEFTSMART & CREDIT MONITORING ID TheftSmart Restoration is your answer in the event your identity is ever compromised. Investigators will work on your behalf to restore and preserve your identity. Not only will you receive full service identity restoration from a licensed experienced investigator should you become a victim, but you will also have a resource to help answer questions or provide guidance on security and fraud related concerns, in order to head off possible issues before they materialize. ID TheftSmart Credit Monitoring is designed to provide alerts if you ever experience unusual activity on your credit report. Through this service, you will receive alerts when one of the following activities is detected on your credit report: New account opening Credit inquires Payment delinquency Public record changes Change of address If you would like more information on how you can add the security and protection of the ID TheftSmart program, please contact your Private Banker. 6

7 For reservations call or THE LION KING SATURDAY, MAY 16 - MATINEE PERFORMANCE TICKETS ONLY - $84 Experience the phenomenon of Disney s THE LION KING. Marvel at the breathtaking spectacle of animals brought to life by award-winning director Julie Taymor, whose visual images for this show you ll remember forever. Thrill to the pulsating rhythms of the African Pridelands and an unforgettable score including Elton John and Tim Rice s Oscar -winning song Can You Feel The Love Tonight and Circle of Life. Let your imagination run wild at the Tony Award-winning Broadway sensation Newsweek calls a landmark event in entertainment. Need dinner reservations or valet parking? We can help. When reserving your tickets, let us know if you would be interested in having us make dinner reservations or reserve valet parking to the show! EXPERIENCE THE BEST OF THE RED ROCK AREA WEDNESDAY, APRIL 29 Just a short drive from us lies America s Dutch Treasure, the vibrant and bustling community of Pella, Iowa! Mark your calendars for Wednesday, April 29, and join us in sampling some of the best and unexpected treats of the Red Rock Area! You ll savor a cup of the best brewed beans (coffee beans that is!) in the business, satisfy your sweet tooth with a profusion of Dutch treats and melt-in-your-mouth silky chocolates, and fill up with the most delectable meats you can imagine! We ll tour the best brew company in the area, shop the eclectic shops in Pella s Downtown Square, see the tulips, and explore the sights in this vibrant rural town. Following our in-town stops, we ll kick up some country dust and head out to a few of the best off-the-beaten-path businesses around! Cost for this fun-filled road trip is only $144 per person, which includes transportation, lunch, dinner, and all samples. It s an outing you won t want to miss! Invite a friend and reserve your spot by contacting Tanya Anderson at or Tanya.Anderson@FNBames.com. 7

8 JOURNEY TO THE EMERALD ISLE MAY 24 JUNE 4 You are invited to experience Ireland in a very special way. From the Capital of Northern Ireland to the Southern tip of the Republic of Ireland, you will discover favorite highlights and some new adventures that create an experience that can only be brought to you by First Point. ITINERARY OVERVIEW DAY 1 SUNDAY, MAY 24 FLIGHT TO DUBLIN Depart Ames on a Windstar Motorcoach for a short drive to Des Moines for the flight to Dublin, Ireland. DAY 2 MONDAY, MAY 25 BELFAST Arrive in Dublin and meet our Irish driver and guide. Board our deluxe coach for a relaxing drive north to Belfast, Northern Ireland. We will make our first stop in the heart of the apple growing region of Northern Ireland to visit a local farmer. When arriving in Belfast we begin a panoramic tour of this now peaceful city. See the now famous murals that tell the story of its recent history during what is often referred to as, The Troubles. Check into our deluxe accommodations for the next two nights. Relax a bit before joining the group for dinner at the hotel. DAY 3 TUESDAY, MAY 26 BELFAST Begin each day of our tour with a full Irish Breakfast, giving you a good start for the day. We will begin at one of the newest attractions in Belfast - The Titanic Experience. It was here in the shipyards of Belfast where the Titanic was born. The exhibit is a fascinating was of tracing the history of shipbuilding in Ireland as well as the tragedy of the Titanic. We then head to the North Antrim coast to see the awe-inspiring Giants Causeway, Northern Ireland s only UNESCO World Heritage Site. Return to the hotel to enjoy dinner with the group. DAY 4 WEDNESDAY, MAY 27 KILRONAN CASTLE Leaving Belfast we head to the village of Derry, as the Nationalists call it, or Londonderry as the Loyalist would say. This is the longest continuously inhabited village in Ireland, and was voted one of the top ten cities in the world to visit in 2013! Join a local guide for a walking tour of Derry and the walls of this walled city. Enjoy lunch on your own in the city and then we are off to immerse yourself in the fascinating story of Irish immigration at the Ulster-American Folk Park. The experience takes you on an adventure that begins in the thatched cottages of Ulster to life onboard an immigrant ship to the log cabins of the American frontier. The journey today ends in the Republic of Ireland at a beautiful castle in the countryside. Nestled along a lake, Kilronan Castle comes into view. Enjoy walking in the castle and on the grounds. 8

9 DAY 5 THURSDAY, MAY 28 KILRONAN CASTLE Enjoy a morning at the hotel. We will board our coach for a relaxing lunch aboard a private boat on the River Shannon. Following the cruise we travel a short distance to the town of Sligo, the home of William Butler Yeats, an Irish poet and one of the foremost figures of 20th century literature. We will meet a local Yeats historian and evening host who will accompany us to Drumcliff Church to view the grave of WB Yeats. Later this afternoon, enjoy some free time for shopping and to wander around in the village of Sligo. Dinner this evening is a special event in a family home overlooking a beautiful lake, enjoying local cuisine and the best of Yeats poetry. DAY 6 FRIDAY, MAY 29 LIMERICK Continue South into the Republic of Ireland with a stop in Galway with a panoramic view of the medieval city and a little free time. We then enter the Burren, one of the most remarkable geological formations in Ireland, and home of the spectacular Cliffs of Moher. We ll witness the incredible 700 ft. wall of rock that rises from the Atlantic Ocean. Stand high on the cliffs to catch a glimpse of this jaw-dropping view over the Atlantic. Our final stop for the evening is in the city of Limerick, famed by Frank McCourt book, Angela s Ashes. Check into our deluxe hotel for a one night stay. Enjoy dinner with the group. DAY 7 SATURDAY, MAY 30 KILLARNEY An overnight in Limerick gives us the perfect opportunity to visit a most interesting attraction in the area, the Flying Boat Museum. Here you will find the only dedicated Flying Boat Museum in the world. This unique attraction preserves the rich history of aviation and the development of passenger travel. It was here that the Irish Coffee was fist born...so, of course, a sample is in order. We continue to the Killarney National Park situated along the beautiful Lakes of Killarney. We ll ride one of the famed Irish Jaunting Carts for a breathtaking view of the lake area. We will check into our hotel, located right in the heart of this charming village where you ll enjoy a little browsing before dinner. DAY 8 SUNDAY, MAY 31 KILLARNEY Following breakfast this morning, we begin our drive along the Ring of Kerry. This is one of the most scenic drives in Ireland, winding between the lofty peaks of the Macgillicuddy Reeks, the small Irish villages and the magnificent, yet rugged coastline. We ll make a stop to visit Brendan Ferris, an Irish shepherd, who will show us some of the varieties of sheep that are raised in Ireland, and demonstrate how he moves his flocks with his well-trained Sheep Dogs. We will return to Killarney before dinner. 9

10 continued from page 9 DAY 9 MONDAY, JUNE 1 CORK A visit to Ireland would not be complete without a trip to Blarney Castle to kiss that famous stone that promises the gift of gab, or eloquence...whichever you prefer. Enjoy a little retail therapy at Woolen Mills. Moving on, we arrive in the seaside village of Kinsale. Discover a harbor view pub for lunch and then stop for a visit with a master glass cutter in his local shop. We then head into Cork for our accommodations for the evening with a lovely dinner at our 4 Star Hotel. DAY 10 TUESDAY, JUNE 2 DUBLIN Before departing in the morning, you may enjoy a quick walk to the Old English Market in Cork. This is a roofed food market and has been trading since The displays are amazing! We will head North today to Kilkenny, a charming village to walk around in. You can simply enjoy the walk or join the group on a tour of Kilkenny Castle. This castle stands dramatically on a strategic height that commands a crossing on the River Nore and dominates the High Town of Kilkenny City. Over the eight centuries of existence, many additions have been made. Listen to the interesting tales of this old castle. Moving on, we will stop at the Irish National Stud Farm. The Irish are in love with their horses and here, you will see why. Take a few minutes to stroll in the adjacent Japanese Gardens. Continue to Dublin arriving at our 5 Star Hotel for a two night stay in the heart of the city. Tonight, delight in a special evening where you will enjoy the music of Ireland in a private venue. DAY 11 WEDNESDAY, JUNE 3 DUBLIN Dublin begs to be discovered and we will..on a panoramic tour, with stops at St. Patrick s Cathedral and Trinity College, to see the famed Book of Kells. Enjoy a little time on your own to head to one of Ireland s premium museums or maybe a little last minute shopping. The location of our hotel is so perfect as to allow walking to both shopping and the top museums of Dublin. Come for a delightful farewell dinner and toast to the wonderful journey we have shared together with your friends at First Point! DAY 12 THURSDAY, JUNE 4 FLIGHT HOME Depart Dublin Airport with memories of Ireland that will warm your heart. PRICING INFORMATION $5,999 per person Double $7,199 per person Single Pricing includes travel insurance, all transportation and transfers, baggage handling, admissions, gratuities and meals as noted. Call Tanya Anderson for further information today! Tanya.Anderson@FNBames.com 10

11 To sign up for travel opportunities and seminars or to reserve tickets for upcoming CY Stephens events, call or CALENDAR OF EVENTS FEBRUARY 12 Protect Yourself from Scams, Fraud & ID Theft (see pg. 3) FEBRUARY 12 The Great Gatsby, CY Stephens - $44 MARCH 13 The Chieftains, CY Stephens - $44 MARCH 28 Mummenschanz, CY Stephens - $44 APRIL 12 Million Dollar Quartet, CY Stephens - $58 APRIL 29 Experience the best of the Red Rock area (see pg. 7) - $144 MAY 16 The Lion King, Civic Center (see pg. 7) -$84 MAY 24 - JUNE 4 Journey to the Emerald Island (see pg. 8) 11

12 405 5TH STREET P.O. BOX 846 AMES, IOWA IN THIS EDITION Upcoming Educational Events...3 First Point Wealth Management...4 First Point Escapes - Travel & Social...7 PRSRT STD U.S. Postage PAID Ames, IA Permit No. 307