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:

• Coping with Caregiver Stress

• Tournament of Roses Parade • Ultimate Caribbean Cruise ... and much, much more!

FAIRFIELD NATIONAL BANKDIVISION OF THE PARK NATIONAL BANK

740.681.8251 • FNBFreedomYears@FairfieldNationalBank.com

April | 2018

Putting the Brakes on CancerWednesday, June 20 • 5:30 - 7 pm FNB Main Office • RSVP for your seat by: 6/13 Healthcare screenings can be intimidating – but when it comes to cancer, they can also save your life. Join Tonya Mundy, nurse coordinator for the Fairfield Medical Heartburn Center, and Shelly Romine, oncology nurse navigator at Fairfield Medical Center, for an informative presentation about the importance of preventative care and health screenings. Learn why these screenings are essential in the early detection of cancer – and why you shouldn’t be afraid to get them done. Family members welcome! Refreshments will be provided by Freedom Years.

Tournament of Roses ParadeDecember 29, 2018 - January 3, 2019 • Southern California Experience the spectacular 2019 Tournament of Roses Parade along with an insider perspective on the famous parade through reserved grandstand seating, a float decorating tour and admission to the showcase of floats!

Included features: • Roundtrip airfare from Ohio to Los Angeles area (LAX, Orange County, or Long Beach Airport) • 5 nights at Hotel Irvine • Deluxe motor coach transfers throughout tour • 5 full breakfast buffets at hotel • 3 lunches and 2 dinners • Rose Parade float decorating tour and visit to Huntington Library and Botanical Gardens • Tour to Mission San Juan Capistrano and the Richard Nixon Presidential Library • New Year’s Eve Party at the Hotel Irvine with dinner, dancing, and casino fun • Reserved grandstand seating along Colorado Boulevard for Tournament of Roses Parade • Blanket and official parade program • Evening movie under the stars in the Hotel Irvine’s “Backyard” (will be moved indoors in case of inclement weather) • Admission to the “Showcase of Floats” on January 2 • Farewell lunch at Lawry’s the Prime Rib in Beverly Hills • Evening shuttle service to Downtown Disney on December 30 and to Irvine Spectrum on January 2 • Gratuities for drivers and guides • Luggage handling • All taxes on included features

Price per person: $3,299 double occupancy; $3,599 single occupancy; $3,269 triple occupancy and $3,199 quad occupancy. A deposit of $500 per person is due with reservations.

FEATURED DAY TRIPS, SEMINARS & EVENTS

The King and ITuesday, April 24 • Ohio Theatre, Columbus • 7:30 pm performance • $105 per person • Grandchildren are welcome!Join us for an evening performance of “The King and I” at the Ohio Theatre in downtown Columbus. We will depart in the afternoon to head to Easton Town Center for dinner (on your own) before arriving at the theatre. Enjoy “The King and I” set in 1860s Bangkok, tells the unconventional and tempestuous story about a relationship that develops between the King of Siam and Anna, a British schoolteacher whom the King brings to Siam to teach his many wives and children. Enjoy one of Rodgers & Hammerstein’s finest works that boasts a score which features such beloved classics as “Getting To Know You,” “I Whistle a Happy Tune,” “Shall We Dance,” and “Something Wonderful.”

Price includes: deluxe motor coach transportation; center section orchestra seats (T – W); all applicable taxes, and gratuities on included items.

Sunflower Wreath Deco Mesh CraftFriday, May 18 • 2-4 pm FNB Main Office $22 per person

It’s time to craft yourself out of the winter drag as our “Crafting Extraordinaire” Delainey teaches you how to create a sunflower wreath to kick off our “Year of Deco Mesh.” With all materials included, learn how to make a wreath with vibrant, yellow petals, sage green leaves and a light brown center (pictured) perfect for your front door! It’s sure to be an afternoon full of laughter, fun and, of course, crafting! Keep an eye out for more deco mesh craft classes coming later this year. Space limited to 15, call to reserve your spot today!

Price includes: supplies necessary to create deco mesh sunflower wreath.

Reds vs. Rockies An All You Can Eat Pass!Thursday, June 7 • 12:35 pm gameThe Great American Ballpark, Cincinnati • $82 per person Join us for an exciting afternoon game at The Great American Ballpark! Our reserved field box seats are located down the first base line in right field. Included with your ticket today is an all-you-can-eat pass, which allows you up to five hot dogs, unlimited soda, popcorn, chips, and peanuts. A great way to enjoy the game with all your ballpark favorites! After the game we will re-board our motor coach for the journey home with a dinner stop, if you didn’t get enough food already (on your own) enroute.

Price includes: deluxe motor coach transportation; reserved seating in field box sections 134-135, “All You Can Eat” pass, all applicable taxes and gratuities.

FNB Community Shred-It Day!Saturday, June 23 • 9 am - 12 pm FNB Main Office Parking Lot

What can I shred? You may bring folders, medical and tax records, bank statements, CDs, DVDs, VHS, cassette tapes, legal documents.

Is there a limit? Yes, no more than 5 standard-size boxes per household will be accepted.

Can my business bring paper to shred? No, this is for consumers only.

Is there a charge for this service? No, there is not a charge for this service, but donations will be accepted for Friends of the Parks.

Coping with Caregiver StressTuesday, June 26 • 5:30 - 6:30 pm • FNB Main Office RSVP for your seat by: 6/13 Caregiver stress is a real issue for many people. Many of us are or will be in a position at some point in our lives to care for a loved one. Caregiver stress creates a shift in roles. This shift in roles can often create emotional stress. It’s natural to feel angry, alone, and exhausted as a caregiver. Please join us as Fairhope Hospice and Palliative Care Home of The Pickering House educates us on the factors influencing caregiver stress and tips and tools to manage and alleviate symptoms associated.

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EXTENDED VACATIONS & GETAWAYS

Smoky Mountain ChristmasNovember 30 - December 4 • Featuring Pigeon Forge andthe Biltmore EstatePigeon Forge, Tennessee and Asheville, North Carolina are filled with entertainment, natural beauty, and lots of old-fashioned mountain hospitality during the holidays. Consider visiting this beautiful part of the country and enjoy the music and entertainment inspired by the tranquillity of this region. Following time in Pigeon Forge, you’ll visit the historic Biltmore Estate to be surrounded by 55 of the most elegant Christmas trees. While in Asheville, enjoy time at the Grove Park Inn and experience the annual gingerbread house competition display.

Vacation highlights: • Roundtrip deluxe motor coach transportation • 2 nights in Pigeon Forge, TN • 2 nights in Asheville, NC • Breakfast daily & 4 dinners • Pigeon Forge Winterfest Lights driving tour • Free time in Pigeon Forge; optional shuttles provided to shopping areas • Smoky Mountain Opry Christmas Show • Entrance and tour of Biltmore Estate including Biltmore House, grounds and winery • Entrance for Candlelight Christmas tour of Biltmore House • Visit to historic Grove Park Inn • Luggage handling • All taxes & gratuities on included features

Price per person: $1,199 double occupancy; $1,499 single occupancy; $1,129 triple occupancy; $1,099 quad occupancy. A deposit of $300 per person plus the optional insurance premium are due at the time of reservation.

Exploring Southwest Texas and Southern New MexicoOctober 16 - 24 • Featuring Big Bend and Carlsbad Caverns National ParksHot trip of 2018! This trip has been so popular we’ve added a fourth departure for those on the waitlist and any newcomers who’d like to join us!

Our 8-night tour includes visits to:Texas: El Paso, Marfa, Big Bend National Park and Fort Davis National Historic SiteNew Mexico: Carlsbad Caverns National Park, International UFO Museum & Research Center in Roswell, Ruidoso, Billy the Kid National Scenic Byway, Lincoln Historic Site in Lincoln, Smokey Bear Historical Park in Capitan, Valley of Fires Recreation Area in Carrizozo, White Sands National Monument, Las Cruces and Old Mesilla.

Price per person: $2,999 double occupancy; $3,799 single occupancy; $2,699 triple occupancy (using existing bedding). A deposit of $500 per person is due with reservations.

Ultimate Caribbean CruiseFebruary 7 - 18, 2019 • Featuring Antigua, Barbados, St. Lucia, St. Kitts and St. Marten • Onboard Celebrity Reflection • Call for a detailed brochure!The Caribbean is highlighted by some of the most spectacular rainforests in the world, tropical cuisine to expand your palate, and an exclusive, exotic atmosphere that will make you feel right at home. Experience the exciting culture mixtures throughout the islands cultivated by foreign influence from Europe, South America, and the U.S.

Vacation highlights: • Roundtrip airfare to Florida • 1-night stay in Ft. Lauderdale, including breakfast • Transfers between Florida airport and hotel, hotel and pier, pier and Florida airport • 10-night cruise aboard Celebrity Reflection • Meals and entertainment onboard ship • Gratuities for drivers and airport, hotel, and pier porters • Pre-paid cruise gratuities for stateroom attendants and dining room staff • Hotel taxes and resort fees • Port and government taxes and fees *Passport required for travel.

Price per person: $2,995 interior stateroom; $3,995 deluxe veranda stateroom; $4,295 concierge veranda stateroom;$4,695 aqua-class veranda stateroom. All pricing is based on two sharing a cabin. Pricing for single and third person available upon request. A deposit of $750 a person due with reservations.

2018

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 Fairfield 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.

APRIL 24The King and IOhio Theatre, ColumbusFew tickets left!

MAY 10History of Mother’s Day: Garden ClinicFlowers of the Good EarthWaitlist!

MAY 18 Deco Mesh Sunflower WreathFNB BoardroomDetails enclosed!

MAY 29: OPTION 1Spring Mystery TripSomewhere, USAWaitlist!

MAY 30: OPTION 2Spring Mystery TripSomewhere, USAWaitlist!

JUNE 7Reds vs. Rockies & and All You Can Eat Pass!CincinnatiDetails enclosed!

JUNE 20 - NEW!Putting the Brakes on CancerFNB Main OfficeDetails enclosed!

JUNE 23 - NEW!Shred-It DayFNB Main OfficeDetails enclosed!

JUNE 26 - NEW!Coping with Caregiver StressFNB Main OfficeDetails enclosed!

APRIL 6 - 8Outlaws, Angels, and the Wheeling Jamboree Featuring Ronnie Milsap and tribute artistsWaitlist!

APRIL 11 - 13Biltmore in Bloom Asheville, NCCall for availability!

APRIL 22 - MAY 2Ireland: An Irish AdventureDublin, Killarney, Ring of Kerry, Dingle Peninsula, Gap of DunloeWaitlist!

JUNE 11 - 14Summer Mystery TripSomewhere, USACall for availability!

JULY 7 - 21Discover Alaska like a Celebrity!15-day Alaska Land Tour & Cruise 7 nights aboard the Celebrity MillenniumSold out!

JULY 12 - 21 Discover Alaska like a Celebrity!10-day Alaskan Vacation 7 nights aboard the Celebrity MillenniumSold out!

SEPTEMBER 7 - 15Exploring Southwest TX and Southern NMFeaturing Big Bend and Carlsbad Caverns National ParksWaitlist!

OCTOBER 16 - 24 - SECOND DATE!Exploring Southwest Texas and Southern New MexicoFeaturing Big Bend and Carlsbad Caverns National ParksDetails enclosed!

OCTOBER 20 - 27 Fall Foliage at The White Mountain ResortFeaturing New Hampshire, Vermont & MaineWaitlist!

NOVEMBER 30 - DECEMBER 4Smoky Mountain ChristmasPigeon Forge, TN & Asheville, NCDetails enclosed!

DECEMBER 29, 2018 - JANUARY 3, 2019 - NEW!Tournament of Roses ParadeSouthern CaliforniaDetails enclosed!

FEBRUARY 7 - 18, 2019 - NEW!Ultimate Caribbean CruiseOnboard Celebrity ReflectionDetails enclosed!

F A I R F I E L D N A T I O N A L B A N K . C O M

Investments are not FDIC insured, not bank guaranteed, and may lose value. © 2018 M.A. Co. All rights reserved. (February 2018)

IRA particularsThe earlier you make your IRA contributions, the longer they will grow. So, under that theory, you should have made your IRA contributions

for tax year 2017 some 12 months ago! But if you didn’t, it’s still not too late. The deadline for making a 2017 contribution is April 17, 2018.

The IRA was born in 1974, in the Employee Retirement Income Security Act (ERISA). Employers already received tax deductions for setting aside money for the retirement of their employees. The idea was to extend that privilege to workers themselves, if they weren’t covered already by an employer plan. IRA eligibility was expanded to all Americans with earned income in 1981, but the IRA deduction was later taken away from higher-income taxpayers. In 1997 the Roth IRA variation was introduced. There’s no upfront tax deduction, but if conditions are met all of the distributions from the Roth IRA are tax free. Finally, a number of simpler employer retirement plans have been built upon the IRA foundation.

Investment coordination Your IRA investments should be reviewed in the context of all your investments, including 401(k) accounts and taxable savings. You want to have one asset allocation plan for all of your holdings, not a separate plan for every account. Having multiple accounts does not provide you with investment diversification if all the accounts are invested in the same way.

Tax diversificationThe tax deduction for the traditional IRA contribution is welcome. It makes funding the IRA easier, especially when times are tight. But eventually the music has to be faced, and taxes must be paid.

The alternative is to have some money in Roth IRAs, where the income tax has been prepaid. This can create greater flexibility and control of the tax effects of a

retirement income stream. Also Roth IRAs are exempt from required minimum distributions during the owner’s life.

Multiple minor accounts Have you set up several IRAs over the years at different financial institutions? Are you swamped by statements for the many accounts?

Consolidation of your IRAs in a single account will simplify your financial life. You’ll have just one statement to contend with, and one account to review for investment decisions. Maintenance fees may be reduced as well.

Check your beneficiary designations Have circumstances changed since you specified a surviving beneficiary for your IRAs? Has there been a death, a birth, a marriage or a divorce? You might be surprised at how often IRA designations are overlooked during a divorce.

A substantial increase in wealth also may be an occasion for changing an IRA designation. For example, if a surviving spouse no longer will need the IRA for retirement security, it may make sense to tap the IRA for charitable bequests. Such a move may save on estate taxes, inheritance taxes, and income taxes after death.

The IRA designation needs to be reviewed in the context of the overall estate plan. IRAs may be subjected to estate and inheritance taxes, and distributions from inherited IRAs (but not inherited Roth IRAs) may be subject to income taxes as well. All these taxes can eat up this asset pretty quickly, so thoughtful planning is a must. It may be appropriate, for example, to shift the burden of tax payments to the remainder of the estate, instead of invading the IRA to make the payments.

Trust & Investment Services143 West Main Street Lancaster, Ohio 43130

740.653.2308 FairfieldNationalBank.com

FAIRFIELD NATIONAL BANK

A message from Luann Snyder, Trust & Investment Services • 740.681.8228We can help you assess your retirement accounts. If you need to consolidate your IRAs, the process needn’t be complicated. And, if you are unsure of the best investments for your IRA, we can help. Just give me a call and we’ll set a time to meet.