Your financial objectives are a serious matter to you and to us. First National Investment Services and Raymond James Financial Services offer you a variety of investment alternatives to achieve your goals. Some of the services our professionals make available through Raymond James Financial Services include:

Asset Management
We make available a variety of portfolio management services for individuals, pension and profit sharing plans, retirement funds, foundations, endowments, and trusts. In addition to our traditional investment accounts, we offer several fee-based accounts which feature annual fees and low (or no) transaction costs.

Retirement Planning
We make available a variety of retirement planning vehicles for individuals and businesses, including IRAs, fixed and variable annuities, life insurance, mutual funds, and pension and profit sharing plans.

Cash Management
The Raymond James Elite Investment Account combines a full-service investment account with a comprehensive cash management program, all for a low annual fee. Features include unlimited check writing, a VISA Gold debit/ATM card, loans, cost basis and gain/loss information, streetname dividend reinvestment, electronic deposits/payments, direct access to account information via the Internet, monthly statements and an annual summary statement. Performance reporting is available for Elite accounts valued at $100,000 or greater (does not include aggregate balances).

Research: Equities & Mutual Funds
The Raymond James nationally recognized equity research department frequently issues reports on individual companies, as well as "The Focus List", a monthly report featuring current stock recommendations and commentary on the market and the economy.

Raymond James was the first firm to publish independent, specific recommendations on individual mutual funds and sectors. Our reports include easy-to-understand performance data, top holdings, general data, and a hypothetical illustration of a $10,000 investment with dividends and capital gains reinvested, if applicable. We also offer qualitative analyses of the fund's future performance potential based on interviews with the fund manager.

Mutual Funds
Our clients can choose from thousands of mutual funds (including open- and closed-end funds, load and no-load funds) from a variety of mutual fund companies.

Stocks
Raymond James trades a wide range of securities on most major national and regional exchanges, including listed stocks, over-the-counter stocks, options, and convertible and preferred securities.

Insurance & Annuities
Our insurance support services cover both individual and corporate group needs. We provide evaluations of life, health and disability insurance, fixed and variable annuities, and other insurance products for financial and estate planning.

Tax Planning
We make available tax-advantaged investments which are designed to eliminate or reduce the impact of taxation of investment income.

Trust Services
The Raymond James full-service trust company offers a complete range of personal trust services, including custody and safekeeping services; account management for wills and living trusts; lifestyle management and life care assistance; irrevocable life insurance trusts; estate settlement services; and specialized trust services on a case-by-case basis.

Bonds
Raymond James maintains active markets in corporate, government and municipal bonds. We also offer advice and consultation services for municipalities and issuers of municipal bonds.