FINANCIAL NETWORK - INVESTMENTS
AND
FIDELITY AGENCY - INSURANCE SERVICES

 

INVESTMENT SERVICES

NON-FDIC INSURED ALTERNATIVE INVESTMENTS
 Consistent with our goal to provide full-service banking and to make investment alternatives available for our valued clients, First Fidelity Bank has formed an association with Financial Network Investment Corporation (Financial Network), a registered broker/dealer and member SIPC.

Financial Network is one of the largest broker/dealer organizations in the United States. Financial Network services a network of more than 600 independently owned and operated local offices, comprising approximately 2,700 registered representatives, throughout the country. Financial Network is backed by the strength and resources of Aetna, Inc., a Fortune 500 company.

PRODUCTS AND SERVICES
Through Financial Network, the following investment choices are available:

· Retirement Plans

· personal and business
· Individual Retirement Accounts (simple IRA, Roth IRA and SEP IRA)
· Rollovers
· 401(k) plans

· Tax-Favored Investments

· tax-exempt investments
· annuities: fixed and variable
· tax-deferred annuities

· Mutual Funds

· income funds
· growth & income funds
· global & international

· Equities, all major U.S. Exchanges

· Preferred stocks

· Corporate Bonds

· Municipal bonds

IMPORTANT DISCLOSURES
Brokerage services are provided by Financial Network Investment Corporation, a registered broker/dealer and member SIPC. Financial Network and First Fidelity Bank are not affiliated.

Mutual funds, annuities and other investments available through Financial Network:

· are NOT deposits of the bank

· are NOT insured by the FDIC or any other regulatory agency

· are NOT obligations of, or guaranteed by, First Fidelity Bank or any other affiliated entity

· involve investment risk, including possible loss of principal

· may fluctuate in value

· are subject to fluctuating rates of return.

LEGAL NOTICE CONCERNING INVESTMENT SERVICES
Financial Network Investment Corporation (FNIC) is licensed in all 50 states, but the publisher of this page is licensed only in the State of South Dakota. Information in this web site is intended for use by residents of South Dakota only. This is not a solicitation or an offer to anyone outside the state of South Dakota. Because of legal restrictions, visitors to this site who are interested in investment services, but who are from a state other than South Dakota should contact Financial Network to be put in touch with a Financial Network office in your area that will be able to assist you. Please e-mail your inquiry to info@fnic.net. Financial Network looks forward to assisting you. Linked sites are not under the control of Financial Network and Financial Network is not responsible for the contents of those linked sites or any link contained in a linked site, or any changes or updates to such sites.

Financial Network Investment Corporation is a member of the NASD and SIPC. Products and services mentioned in this web site may not be available in all states. Request a prospectus or contact your financial advisor.

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INSURANCE SERVICES

BUSINESS COVERAGE PERSONAL COVERAGE
Property
Liability
Crop Insurance
Automobile
Workman's Compensation
Bonding
Group Life and Health		 Life and Health
Homeowners
Automobile
Renters
Umbrella Liability
Recreational Vehicles


Fidelity Agency is independently owned and operated. We are conveniently located at all First Fidelity Bank locations.

We represent many carefully chosen insurance companies to provide you with the best product at competitive prices.

Fidelity Agency is licensed to do business in South Dakota and Nebraska.

Fixed and variable annuity products are available.

IMPORTANT DISCLOSURES REGARDING BANKS AND INSURANCE

Insurance Disclosures. As with all non-bank products:

· The insurance product or annuity is NOT A DEPOSIT or other obligation of, or guaranteed by, First Fidelity Bank or an affiliate of the Bank;

· The insurance product or annuity is NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC) or any other agency of the United States, First Fidelity Bank, or an affiliate of the Bank; and

· In the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the POSSIBLE LOSS OF VALUE.

Credit Disclosure. In the case of an application for credit in connection with which an insurance product or annuity is solicited, offered, or sold, First Fidelity Bank may not condition an extension of credit on either:

· Your purchase of an insurance product or annuity from the Bank or any of its affiliates; or

· Your agreement not to obtain, or a prohibition on you from obtaining, an insurance product or annuity from an unaffiliated entity.

NOTE: As a condition to obtaining a loan, the bank may require property insurance, such as on a home or auto which secures the loan. However, First Fidelity Bank does not require that the insurance be purchased from Fidelity Agency. You may choose from among many reputable agents and companies in the area.