Investment Service

Investment/Financial Planning

Annuities

Some exciting advantages of annuities are as follows:

• Professional management.
• Flexible, tax-free switching.
• Tax-deferred accumulation.
• Investment choices.
• Diversification.
• Potential hedge on inflation.
• Reasonable liquidity.  

Brokerage Services

Take a look at the broad spectrum of investment products and services available to you through UVEST Financial Services.

• Mutual Funds.
• Annuities.
• Life Insurance Products.
• Stocks and Bonds.
• Money Market Funds.
• Unit Investment Trusts.
• Tax-favored Investments.
• Direct deposit of settlements into checking/savings accounts.
• Consolidated statements, including mutual fund positions.

Whether you are a conservative, middle-of-the-road or an aggressive investor, FNB Investment Services provides financial opportunities to investors such as you.  

NOTE:

FNB INVESTMENT SERVICES brokerage customers are covered by SIPC (the Securities Investor Protection Corporation).  A supplemental policy underwritten by Lloyds of London accompanies $9.5 million in additional coverage per customer subject to an overall aggregrate.  As with SIPC, this supplemental policy protects customer securities and funds only if the brokerage firm fails.  Neither coverage protects against a decline in the market value of your funds or securities.

MUTUAL FUNDS

Most mutual funds offer special features--helping to make them among the most popular and convenient investment choices available to today's investors.  Whatever your investment objectives and desired level of risk, there are mutual funds to match.  From conservative to aggressive, from immediate income to long-term growth, you choose the fund or funds that best meet your investment needs.  Listed below are opportunities in this market:

• Money Market Funds.
• Fixed Income or Bond Funds.
• Equity or Growth Funds.
• Balanced Funds.
• Specialized mutual Funds.

You should consider a mutual fund's investment objectives, risks, charges and expenses carefully before investing.  Contact your Financial Advisor to request a prospectus, which contains this and other information about a specific mutual fund.  Read it carefully before you invest.

EDUCATION PLANNING

With the cost of higher education escalating each year, it becomes more important for families to begin planning early to fund the cost of their children's education.  We can assist you with projecting the future cost of education and in establishing a savings investment program to meet that expense.

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Whether you want a fully managed account or you prefer to make your own investment decisions, we have an IRA plan to meet your needs.  If you are planning to retire or change employment, we can assist you in maximizing your retirement benefits.

Securities are offered by, and Investment Consultants are registered with UVEST® Financial Services, member FINRA/SIPC.  UVEST® and First National Bank are independent entities.

• Not FDIC-insured.
• Not bank-guaranteed.
• May lose value.
• Not guaranteed by any government agency.
• Not a bank deposit.