August 2019 - parknationalcorp.com · FEATURED DAY TRIPS, SEMINARS & EXTENDED VACATIONS Heart of Quebec Christmas Market December 4-8• Featuring Montreal and Quebec City, Canada

EXTENDED VACATIONS & GETAWAYS

In this month’s Insider, you’ll find some exciting day trips and awesome vacation getaways!

Here’s what’s featured this month:

• Tucson Adventure

• Utah’s Mighty 5

• Gems of Danube

... and much, much more!

937.547.2553 • [email protected]

August 2019

2020 Trip Preview EventWednesday, September 4 • 5-6:30 pm • SNB Main Office, GreenvilleEnjoy a light dinner meal while you listen to Jon Hersh of World of Travel present our Freedom Years extended vacation travel plans for next year. We will present the following trips in this order at 5 pm allowing 30 minutes for each trip presentation. We will begin with our winter escape trip to Tucson, Arizona, then our spring trip to the heart of Texas, our summer trip to Utah’s Mighty Five National Parks and then ending with our fall International Danube River Cruise Trip. There will also be information available to you about our December holiday trip to San Luis Obispo, California. I hope you consider Freedom Years for your special vacation plans in 2020! Brochures for these trips are available.

*Don’t wait for this preview to reserve your space on the trip you want to do. Space will be limited.

SNB Community Shred DaySaturday, September 21 • 9 am - 12 pmSNB Greenville North Office1302 Wagner Avenue, GreenvilleLet us help you protect your private information! Bring your personal and financial documents to the bank on this day to be safely destroyed.

The Wilds and German VillageFriday, September 27 • $145 per person • Reserve by: 8/25Enjoy beautiful eastern Ohio autumn colors as we travel to “The Wilds” to observe many of the world’s wild and rarest animals from an open air safari bus. We will have a private, expertly guided tour where we’ll see up close White Rhino, Bacterian Camels, Cheetahs, African Painted Dogs, Sichuan Takin, Zebras, Horned Oryx, Persian Onage, Wild Horses, Antelope, Deers, Giraffes and other beautiful animals roaming in large natural settings. Upon our arrival, you will have time to enjoy lunch at the Overlook Café and look around in the Wilds’ Gift Market before we venture on our safari. After our time at The Wilds, we’ll indulge in a traditional German feast in Columbus’ German Village at Schmidt’s Sausage Haus complete with their famous cream puffs for dessert! Price includes: deluxe motorcoach transportation; The Wilds admission; dinner at Schmidt’s; gratuities for driver, guides and meal service.

COMMUNITY SHRED DAY

Saturday, September 21 9 am - noon

1302 Wagner Avenue, Greenville

Prevent identity theft, while safely disposing of your confidential information!

WHAT CAN I SHRED? Folders, medical and tax records, bank statements, legal documents.

3 boxes per household, no businesses accepted.

FEATURED DAY TRIPS, SEMINARS & EXTENDED VACATIONS

Heart of Quebec Christmas MarketDecember 4-8• Featuring Montreal and Quebec City, Canada • Final payment due: 9/13

Vacation highlights: • Roundtrip airfare to/from Montréal • 1 night at the Fairmont Queen Elizabeth, Montreal • 2 nights at the Fairmont Le Chateau Frontenac, Quebec City • 1 night at a deluxe Montréal airport hotel • 5 breakfasts • 1 welcome dinner • Train travel from Montréal to Québec City • City tour of Québec City • 2 leisure evenings to enjoy the magical Christmas Market in Québec City • Return deluxe motor coach transportation to Montréal • City tour of Montréal • Admission to the Montréal Biosphere and Planetarium • Luggage handling at hotels • Gratuities for porters, guides and drivers on included features • All known taxes and fees on included features

*Passport required for travel.Price per person: $2.099 double occupancy; $2,619 single occupancy; $1,929 triple occupancy; $1,849 quad occupancy. A deposit of $500 per person is due with reservation.

Tucson AdventureMarch 4-9, 2020 • Featuring The Loews Canyon Resort; Old Tucson; Tombstone, AZ with optional tour to a spring training baseball game! Final payment due: 12/6 Call for a detailed brochure!This 5-night adventure will be a welcomed rest from the cold of our Ohio winter! And, you’ll enjoy all 5 nights at one splendid resort. You’ll have time to soak in the warmth of the desert sun while taking in inspiring sites and an optional tour to a spring training baseball game. It’s all up to you!

Included vacation highlights: • Roundtrip airfare to AZ • Deluxe motor coach transportation • 5 nights at the Loews Ventana Canton Resort • Full breakfast at hotel each morning • 2 dinners • Tours of Old Tucson and the Arizona-Sonora Desert Museum • Tours of Pima Air & Space Museum and Tombstone, AZ • Resort fee (includes yoga and fitness access, tennis court rental, shuttle to Sabino Canyon, in-room Wi-Fi) • All taxes on included features • Gratuities for drivers and guides • Luggage handling

Pricing per person: $2,399 double occupancy; $3,229 single occupancy; $2,129 triple occupancy. A deposit of $750 per person is due with reservations.

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FEATURED DAY TRIPS, SEMINARS & EXTENDED VACATIONS

Heart of TexasApril 20-24, 2020 • Including Magnolia Market and HGTV Fixer Upper Tour • Final payment due: 1/30/20This trip is filling up! Reserve now! Call for a detailed brochure!Vacation highlights: • Round trip airfare from Ohio and Dallas, TX • Deluxe motor coach transportation • 4 nights in hotels • 4 full breakfasts at the hotels • 1 lunch and 3 dinners • Tours AT&T Stadium and JFK sites and locations • Tour of the George W. Bush Presidential Library & Museum • Step-on guide and city tours in Dallas, Waco, and HGTV sites • Tour of the Dr. Pepper Museum • Free time in the Fort Worth Stockyards Historic District and Cattle Drive viewing • Free time at the Magnolia Market at the Silos • All taxes on included features • Gratuities for drivers and guides • Luggage handlingPricing per person: $1,699 double occupancy; $2,059 single occupancy; $1,579 triple occupancy; $1,519 quad occupancy. A deposit of $500 per person is due with reservations.

Utah’s Mighty 5June 23 - July 1, 2020 • Featuring 5 National Parks: Zion, Bryce Canyon, Capitol Reef, Canyonlands and Arches National Parks • Final payment due: 3/8/20Vacation highlights: • Airfare between Ohio and Las Vegas; returning from Salt Lake City • Deluxe motorcoach transportation • 8 nights in hotels • 7 full breakfasts at the hotels • 2 lunches and 5 dinners • Mob Museum self-guided tour in Las Vegas • Leisure time and guided tours through Utah’s Mighty 5: Zion National Park, Bryce Canyon National Park, Capitol Reef National Park, Canyonlands National Park, and Arches National Park • Admission to Cleveland-Lloyd Dinosaur Quarry • All taxes on included features • Gratuities for drivers and guides • Luggage handling

Pricing per person: $3,699 double occupancy; $4,499 single occupancy; $,3479 triple occupancy. A deposit of $750 per person plus optional insurance premium due at time of booking.

Gems of DanubeOctober 7-15, 2020 • Onboard Scenic River Cruises’ MS Scenic Amber • With optional pre-cruise 2 night extension to PragueAll meals, beverages including alcohol, shore excursions andgratuities included! Included features: • Round trip air from Ohio to Munich and Budapest to Ohio • Round trip airport transfers • 7 nights on board the deluxe MS Scenic Amber • All meals on board the MS Scenic Amber – 5-star dining with 3-course dinners, buffet breakfast and lunch with a la carte options available upon request. • All beverages onboard the MS Scenic Amber, including alcohol and mini-bar • All shore excursions and local expert guides • Use of electric bikes and GPS devices • Complimentary WiFi onboard MS Scenic Amber • Butler service for every guest • All gratuities • Port charges • Taxes on included features • Luggage handling

Price per person: suites range from $6,095 per person (standard suite 160 sq. ft.) to $9,695 per person (royal panorama suite 475 sq. ft). A deposit of $2,000 per person, plus optional travel protection premium, is due at time of booking. Final payment is due on or before May 13, 2020.

2019

DAY TRIPS, SEMINARS & EVENTS

EXTENDED VACATIONS & GETAWAYS

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Trip/Event Cancellation Policy: The cancellation of Freedom Years one-day trips or events will be non-refundable after payment is made unless the space is filled from an available wait list or a substitution is made by another member. Trips may be paid for by cash, check, or Visa. Checks should be made payable to Second National Bank - Freedom Years. Refund policies on extended vacations vary from trip to trip. Please review the cancellation policy included on each trip brochure. Travel/Health Policy: It is required that persons needing assistance be accompanied by a companion who is capable and totally responsible for providing that assistance. Neither Freedom Years nor its suppliers may assist with medications, wheelchairs, or physically lift persons onto transportation vehicles. Travelers needing special assistance must notify Freedom Years when they make their reservations. Please note that the Americans With Disabilities Act does not apply outside the United States.

AUGUST 2 First Friday Bingo and Dinner Party 5-6:30 pm SNB Main Office

SEPTEMBER 4 2020 Trip Preview Event

SEPTEMBER 21 SNB Community Shred Day

SEPTEMBER 27 The Wilds German Village

AUGUST 6-7 Fair Oaks Farms and Conner Prairie History Farm Museum

AUGUST 25 - SEPTEMBER 1 Glacier National Park, MontanaWaitlist!

OCTOBER 4-9 Albuquerque Balloon Fiesta Waitlist!

OCTOBER 23-24 Marietta and Blennerhassett IslandWaitlist!

DECEMBER 4-8 Heart of Quebec Christmas Market

DECEMBER 10-13 A Country Christmas in Music City! Waitlist!

MARCH 4-9, 2020 Tucson Adventure

APRIL 20-24, 2020 Heart of Texas

JUNE 23 - JULY 1, 2020 Utah’s Mighty5

OCTOBER 7-15, 2020 Gems of Danube

S E C O N D N A T I O N A L . C O M

COMMUNITY SHRED DAY

Saturday, September 21 9 am - noon

1302 Wagner Avenue, Greenville

Prevent identity theft, while safely disposing of your confidential information!

WHAT CAN I SHRED? Folders, medical and tax records, bank statements, legal documents.

3 boxes per household, no businesses accepted.

The Fiduciary Rule, which forces investmentadvisors to a higher standard, has an uncertain future

INVESTING 101

Investments are not FDIC insured, not bank guaranteed, and may lose value.

Still, it’s important to understand investment fundamentals and familiarize yourself with what’s being done with your money. Even if you’re familiar with some of the basic terms, a refresher can always help. We’ll break down some of the basic fundamental and terms when it comes to investing, putting you on more confident path to maximize your returns.

WHAT IS A FIDUCIARY?A fiduciary has to put the client’s best interests first. They have a duty to put themselves in the client’s shoes and make the best possible investment decisions for them. They work on the client’s behalf and are focused on meeting the needs of the client.

Is there a difference between a brokerage firm and a fiduciary? A brokerage firm only has to make sure the products fit the client, not ensure those investment choices are actually the best fit. They are not solely looking out for the best interest of the client.

Example: If someone is 55 years old and has money in their savings, a brokerage firm might sell an annuity. But they don’t have to determine the best or most cost-efficient fit for the solution, just that they were allowed to sell based on age and money involved. A fiduciary finds the absolute best fit for the client based on their profile, risk involved, cost and more.

WHAT’S THE DIFFERENCE BETWEEN A STOCK, BOND AND MUTUAL FUND?We build investment management portfolios based on

three things:

• Equities – stocks• Fixed income – bonds• Cash

A stock is a security that represents ownership in a corporation. If you purchase a stock, you take ownership of the company, and take part in their growth and interest. In short, stock = ownership.

A bond is a fixed-income security from a government entity, municipality or corporation. You usually receive a fixed interest rate and you’re the lender. There’s typically less risk involved and it’s viewed as a safer investment vehicle. In short, bond = lending.

Cash is another investment type, and includes currency and cash alternatives that offer low risk and high liquidity. That includes items like savings accounts, money markets, short-term treasuries, commercial paper and certificates of deposit (CDs).

A mutual fund could be a combination of stocks, bonds and other securities (like cash) purchased and managed by an investment team, or just one of the three major asset classes. Investors typically purchase mutual funds to add diversification to portfolios. It can include a wide range of large, medium, small-level companies – with a multitude of possible options – within their mutual fund to reduce risk.

HOW DO ETFs (EXCHANGE-TRADED FUNDS) AND MUTUAL FUNDS WORK?Mutual funds are classified by how the fees are charged to the consumer. Some contain a sales charge called a load, while other mutual funds are no-load, meaning there isn’t a sales charge. Here’s how that breaks down with the most common mutual funds:

• Load Mutual Fund– Class A: The client pays commission up front

when purchasing shares of the fund.

If you’re unfamiliar with the investment world, it can be daunting to jump in. The different terms and approaches can sound confusing, and it can even prevent people from investing in the first place. Our trust and investment team has a proven track record of success, and they can put you at ease with their hands-on, service-oriented approach.

SecondNational.com

– Class B: The client pays commission at the end when redeeming or selling the shares.

– Class C: There is no sales load at the beginning or end, but the commission is paid along the way. It is an annual charge and a fixed percentage.

• No-Load Mutual Fund– There is no commission or sales charge

involved when a person purchases or sells their shares. But there could still be fees involved during the process.

– Shares can only be sold or redeemed after a specific period. Selling early incurs a fee.

• You can talk to your representative to find out how they charge their fees.

An ETF is a portfolio of securities assembled by an investment company. Unlike mutual funds, ETFs can be traded throughout the day, meaning prices change throughout the day as well.

Mutual funds are only traded at the end of the day, no matter what time you buy. They are traded only on their price at the end of the day.

Whatever the ETF strategy is, it is set to typically mirror an index. That means we pick an index and mirror what is in there. But ETFs are typically extremely low cost because there is no active management component.

That makes them a common choice for trust portfolios. Our trust and investments team use indexes and ETFs to minimize the cost to clients. The lower the expense to you, the more money you can get in your long-term pocket.

This should give you a basic understanding of general investment terms, but if it’s time to bring in

a professional, we hope you consider our advisors at Second National Bank. Our team is dedicated

to answering your questions and providing solutions for your investment needs. Please call us at

937.548.2206 and we can tell you more about the extensive services we offer.