PRIMEVEST Financial Services, Inc.: Your objectives should be your investment strategy. A PRIMEVEST INVESTMENT Executive is available to analyze your situation and help define your investing goals and strategies. The Investment Executive, with a wide range of investment products will help you design a portfolio that will meet you needs. As your needs change the Investment Executive will be there to adjust your portfolio. Some things to consider when determining an alternative investment:

• What are your investment objectives?
• How much money should you invest?
• How soon will you need the money?
• What are your tax saving needs?

There are three ways to determine what investment is best for you and your needs.

• Risk: Products are rated on an overall probability that you could lose your principal investment.
• Return: Products are rated on potential to produce a higher rate of interest and capital gain.
• Liquidity: Products are rated on the ease with which you can sell your investment.

The PRIMEVEST Investment Executive will be happy to assist you in balancing the risk, return, and liquidity of your investment. Our single goal is to work with you in finding the investment alternative that best fits your needs. Whether you are an experienced investor or you are making your first transaction the PRIMEVEST Investment executive will provide a level of service you need and deserve.

PRIMEVEST Financial Service, Inc
Kay A Freitag, Investment Executive located at Bank of Monticello
Phone (608)938-2322 or kay.freitag@primevest.com

Investment Services, offered through PRIMEVEST Financial Services Inc, Located at Bank of Monticello and Bank of Evansville. The investment executives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with resident of other states will only be made upon compliance with applicable licensing and registration requirements.

Investment General Information: Because your investment needs are unique, PRIMEVEST Financial Services, Inc. offers you the opportunity to invest in a wide variety of alternative investment options, such as:

• Mutual Funds
  Whether you’re a small or large investor, prefer conservative or aggressive investments, mutual funds work to give you an opportunity for capital appreciation or competitive yields, liquidity and relative safety. That is because mutual funds (companies that pool the assets of many shareholders) provide diversification-with the added benefit of professional management.
  
  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:
  • Money Market Funds
  • Fixed Income or Bond Funds
  • Equity or Growth Funds
  • Balanced funds
  • Specialized Mutual Funds
  If you are looking for a versatile investment that offers opportunities for everyone, consider mutual funds; the choice of many investors.

  Mutual Funds are sold by a prospectus, which can be obtained from an Investment Executive. A prospectus contains additional information included charges and expenses, please read carefully before investing or sending money.

• Tax-deferred Annuities
  As an investor, you may find the key to tax control is annuities. You are given the opportunity to choose between fixed and variable annuities:
  Tax Control: All earnings grow tax-deferred until withdrawn. Your money works harder without the drain of current taxes.
  Access to your money: In most cases, you have flexible access to some percentage of your money.
  • Fixed Annuities: Fixed Annuities are backed by highly rated insurance companies which guarantee your principal amount deposited (Guarantees are based on the claims-paying ability of the issuing insurance company. Subject to the claims paying ability of the issuing insurance company).Because you earn compounded interest on the money that would have gone to pay taxes, savings grow faster than they would in a taxable investment at the same rate. Annuity proceeds are paid to named beneficiaries immediately upon death, without the delay, publicity, or expense of probate. As you can see, fixed annuities are one of the retirement vehicles that can help you live your retirement years in style.
  • Variable Annuities: A variable annuity is a long-term retirement investment vehicle. It’s an insurance contract that is specifically designed to build your retirement savings. When you’re ready a variable annuity can provide you with retirement income in several ways, including options that can help you receive an income stream that you cannot outlive. Most variable annuities offer a broad range of investment objectives among the portfolios, so that you can choose from relatively conservative portfolios with a lower level of risk, or more aggressive investment portfolios with a higher degree of risk, having the potential for higher investment returns. Highly qualified, world-class portfolio managers professionally manage these investment portfolios. Keep in mind your annuity’s value will vary over time, according to the performance of the individual investment portfolio you choose. Variable annuities can be a valuable asset to your investment portfolio:
    • Defer paying taxes until you begin taking distributions
    • Take advantage of market opportunities
    • Control the quality of your retirement
    • Receive monthly or yearly income that you cannot outlive
    • Ensure that your beneficiaries receive the full value of their inheritance on a timely basis
  Discover how a variable annuity can help you achieve a well-deserved, comfortable retirement. Realize that withdrawals prior to 59 ½ may be subject to a 10% IRS penalty and the amount withdrawn is subject to ordinary income tax. For more complete information, including fees, charges and expenses consult a prospectus, which can be obtained from an Investment Executive. Read it carefully before investing or sending money.
  
• Stocks:
  Investing in shares of stock gives you the flexibility to invest your money in an instrument that has the potential to grow. Shares of stocks represent partial ownership in a corporation and as these corporations prosper, your investment has the potential to grow. Investments in established firms can offer you a quarterly dividend in addition to the growth in your investment. With a wide range of stock issues available, your PRIMEVEST Investment Executive has access to timely research and advice so you can make a wiser investment decision.
  
  
• Treasury Securities
  Treasury Securities allow you to invest your money in a government-backed security. They are the direct debt obligations of the United States Government and are issued in different terms. They offer you, as an investor, a broad range of maturities, variable interest rates, state and local tax exemption, and a highly liquid market, which makes the Treasuries Security an attractive investment. If redeemed prior to maturity, Treasuries may be worth more or less than the original cost.
  
  
• Corporate Bonds:
  High quality corporate bonds can be an attractive investment option if you are seeking a consistent income. Corporate bonds are debt obligations to a corporation with maturities ranging from one to thirty years. The corporation’s assets back some of the corporate debt, while other issues are simply the unsecured obligations of large corporate entities. Through corporate bonds, you are entitled to interest payments semi-annually until the bond matures and the principal investment is repaid.
  
  
• Federal Agencies:
  Investing in a federal agency can help you enhance your cash flow and diversify your portfolio. Federal agencies are privately owned mortgage companies chartered by the federal government, which may include the Federal Farm Credit Bank, Federal Home Loan Bank, Federal National Mortgage Association, and the Student Loan Marketing Association. The U.S. Government does not directly back these agencies. This indirect obligation implies a slightly higher return associated with a slightly higher risk. Maturities will range from discount notes under one year to longer-term issues that pay interest semi-annually.

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