Lifestyles “For The Young At Heart” NEWSLETTER Issue 48 • March 2015

IMPORTANT PHONE NUMBERS Letters to Lisa... Customer Service...... 1-800-943-8488 24-Hour Access Line...... 1-800-300-5580 Dear Lisa, Investment Services...... 781-6019 or 358-9331 I just recently read about Anthem and the cyber-attack that Trust Services...... 623-3424 occurred. I am a customer of Anthem therefore I am concerned Mortgage Loan...... 624-9970 about my own personal information being used in various ways. Consumer Loan...... Info. in all branches Do you have any advice? – Tired of Hackers Lisa Passley...... 624-1995

Dear Tired of Hackers, YOUR LIFESTYLES ADVISORS: Anytime something like this happens with a company that has CARTHAGE: personal information it causes concern. The best line of defense 3rd & Maple...... Melody Thompson – 358-9331 for victims of any kind of fraud/scam or hacking is to closely 2417 S. Grand...... Bonita Harrison – 358-1770 monitor your accounts in addition to checking your credit JASPER: ...... – 394-2546 report. You can obtain a FREE copy of your credit report from a link on the SMB website. Beware of sites that claim to offer ALBA: ...... Pam Stephenson – 525-4218 free credit reports, some will require a fee. You can also have a NEOSHO: ...... Cathy Lankford – 451-7800 fraud alert added by the credit reporting agencies. If someone S. Hwy. 59...... – 451-7700 would try to obtain credit using your personal information DUQUESNE: ...... Shanon Doss – 623-5959 you would receive a call to verify this request. Anthem has JOPLIN: also provided a website with FAQ (frequently asked questions). 32nd & Indiana...... Becca Farris – 624-1995 Anthem is contacting their customers affected by their breach Zora...... Zane Elder – 206-6800 to offer two years of Fraud Identity Theft Protection services free of charge. We recommend you sign up for those services. Stones Corner...... Heather Henson – 623-0400 32nd & McClelland...... Drew Hunter – 623-5255 T he Best of Eastern Canada featuring: Montreal, Quebec City, Ottawa, Niagara Falls & Toronto From the European-styled, old world elegance of Quebec City to the thundering magnificence of Niagara Falls, you’ll love every moment of this 8 day tour of eastern Canada. Enjoy two-night stays in Montreal, Quebec City, and Toronto as well as an overnight stay in Ottawa and city tours of each of them. Have breakfast of regional specialties at a local sugar shack and learn about maple syrup making. Board a boat to experience Niagara Falls up SEPTEMBER 20 - 27, 2015 close and cruise through the spectacular Southwest Missouri Bank unspoiled 1000 islands. Watch the busy St. Lawrence River from high atop Book now AND Save $100! Montreal’s Mount Royal and experience DOUBLE $3,299* SINGLE $3,899 TRIPLE $3,269 the energy of multicultural Toronto. Walk REGULAR RATES: Double $3,399 Single $3,999; Triple $3,369 the cobble stone streets of old Quebec. Experience the best regional cuisine For more information contact: Lisa Passley during a Dine Around with your choice of (417) 624-1995 [email protected] restaurant locations for the evening. From Presentation: March 30th picturesque countryside to glistening skyscrapers, a truly unforgettable cultural Duquesne Community Building and historical experience awaits you in RSVP for 3:00 p.m. or 6:30 p.m. the heart of Eastern Canada. UNDERSTANDING INVESTMENT TERMS & CONCEPTS Below are summaries of some basic principles you should understand when evaluating an investment opportunity or making an investment decision. Rest assured, this is not rocket science. In fact, you’ll see that the most important principle on which to base your investment education is simply good common sense. You’ve decided to start investing. If you’ve had little or no experience, you’re probably apprehensive about how to begin. It’s always wise to understand what you’re investing in. The better you understand the information you receive, the more comfortable you will be with the course you’ve chosen. DON’T BE INTIMIDATED BY JARGON Don’t worry if you can’t understand the experts in the financial media right away. Much of what they say is jargon that is actually less complicated than it sounds. Don’t hesitate to ask questions; when it comes to your money, the only dumb question is the one you don’t ask. Don’t wait to invest until you feel you know everything. DON’T PUT ALL YOUR EGGS IN ONE BASKET This is one of the most important of all investment principles, as well as the most familiar and sensible. Consider including several different types of investments in your portfolio. Examples of investment types (sometimes called asset classes) include stocks, bonds, commodities such as oil, and precious metals. Cash also is considered an asset class, and includes not only currency but cash alternatives such as money market instruments (for example, very short-term loans). Individual asset classes are often further broken down according to more precise investment characteristics (e.g., stocks of small companies, stocks of large companies, bonds issued by corporations, or bonds issued by the U.S. Treasury). Investment classes often rise and fall at different rates and times. Ideally, in a diversified portfolio of investments, if some are losing value during a particular period, others will be gaining value at the same time. The gainers may help offset the losers, which can help minimize the impact of loss from a single type of investment. The goal is to find the appropriate balance of different assets for your portfolio given your investing goals, risk tolerance and time horizon. This process is called asset allocation. Within each class you choose, consider diversifying further among several individual investment options within that class. For example, if you’ve decided to invest in the drug industry, investing in several companies rather than just one can reduce the impact your portfolio might suffer from problems with any single company. A mutual fund offers automatic diversification among many individual investments, and sometimes even among multiple asset classes. Diversification and asset allocation alone can’t guarantee a profit or ensure against the possibility of loss, but they can help you manage the types and level of risk you take.

GRADY HUKE NOT FDIC INSURED – NO BANK SHERRI FICHTNER 417-237-3766 GUARANTEE – MAY LOSE VALUE 781-6018 1-800-943-8488 1-866-374-1233

2015 EVENT CALENDAR Valentine’s Party Pics March 25 “New Jersey Nights” King’s Castle - Branson, MO - $79.00 per person

April 9 Dogwood Canyon Lampe, MO - $91.00 per person

April 15 “Forever Plaid” The New Theatre - Overland Park, KS - $76.00 per person

April 21 Ladies Tea - Carthage, MO

April 22 Ladies Tea - Jasper/Alba, MO

April 28 Ladies Tea - Neosho, MO

April 30 Ladies Tea - Joplin, MO

June 5 Springfield Cardinals Baseball Game Springfield, MO - $58.00 per person

July 8 “Hairspray” The New Theatre - Overland Park, KS - $76.00 per person Joan & Tommy Thompson 2014 winners of The Dating Game now MR. & MRS. Thompson SOUTHWEST MISSOURI BANK INVITES YOU TO A LIFESTYLES LADIES TEA Do You Believe in Magic? PLEASE RESERVE FOR THE LOCATION OF YOUR CHOICE: TUESDAY, APRIL 21, 2015 1:00 PM - 3:00 PM in Carthage FAIRVIEW CHRISTIAN CHURCH • GRAND AVENUE Advisors: Bonita Harrison & Melody Thompson OR WEDNESDAY, APRIL 22, 2015 1:00 PM - 3:00 PM in Jasper/Alba THE EVENTS CENTER - JASPER Advisor: Pam Stephenson

OR TUESDAY, APRIL 28, 2015 1:00 PM - 3:00 PM in Neosho UNITED METHODIST CHURCH CHRISTIAN LIFE CENTER Advisor: Cathy Lankford OR THURSDAY, APRIL 30, 2015 1:00 PM - 3:00 PM in Joplin GRANNY SHAFFER’S CONTINENTAL BANQUET CENTER - NORTH RANGE LINE Advisors: Heather Henson, Zane Elder, Shanon Doss, Drew Hunter, Becca Farris, and Lisa Passley

LIFESTYLES MEMBERS ONLY ! To make your Ladies Tea reservation, please return the completed form. Deadline: 7 days prior to your chosen date! Name ______April 21 Carthage / Take or mail to: Melody Thompson, SMB, P.O. Box 814, Carthage, MO 64836 April 22 Alba / Take or mail to: Pam Stephenson, SMB, P.O. Box 430, Alba, MO 64830 April 28 Neosho / Take or mail to: Cathy Lankford, SMB, 110 N. Neosho Blvd., Neosho, MO 64850 April 30 Joplin / Take or mail to: Lisa Passley, SMB, 1000 E. 32nd St., Joplin, MO 64804 HAPPY BIRTHDAY! To celebrate your birthday, Southwest Missouri Bank CARTHAGE * JOPLIN * DUQUESNE * NEOSHO * JASPER * ALBA cordially invites you to YOUR BIRTHDAY PARTY! For ALL Lifestyles Members with birthdays in MARCH TUESDAY, MARCH 10, 2015 AT 12:00 NOON THURSDAY, MARCH 12, 2015 AT 6:00 PM at Granny Shaffer’s Trolley Room – Joplin —OR— Club 1201, 1201 E. 32ND St. – Joplin When making your reservation for this location, When making your reservation for this location, please select please select either the Italian Chicken OR Sliced Sirloin either the 6 oz. Filet Mignon OR the Chicken Cordon Bleu Lifestyles members whose birthdays are in March will be guests of the Bank. Guests of birthday members are welcome at a charge of $11 per person for the luncheon and $15 per person for the dinner. Payment for guests must be made at time of reservation. To make your reservation, please call: Lisa Passley, 624-1995 or contact the Lifestyles Advisor at any SMB location most convenient for you. ADDITIONAL BIRTHDAY PARTY DATES

LUNCHEON DINNER APRIL 7 • MAY 12 • JUNE 2 • JULY 7 • AUGUST 4 APRIL 9 • MAY 14 • JUNE 4 • JULY 9 • AUGUST 6

WEDNESDAY, MARCH 25, 2015 FRIDAY, JUNE 5, 2015 “NEW JERSEY NIGHTS” SPRINGFIELD CARDINALS BASEBALL GAME KING’S CASTLE THEATRE - BRANSON, MO HAMMONS FIELD - SPRINGFIELD, MO Join us on this nostalgic trip down memory lane to celebrate the hit songs of Frankie Valli & the Four Seasons, whose fascinating story unfolds in Our annual trip to support our local AA minor league of the St. Louis our production-style journey through history. The songs of this amazing Cardinals. Watch an exciting game between the Springfield Cardinals and group are the stars of the show. Audiences everywhere simply love the the Midland Rock Hounds from the RedBird Roost. The RedBird Roost music and sing along to the hits they know so well! This show delivers comes with unlimited food and soft drinks from the time we arrive ‘til the end first class musical arrangements, perfect harmonies, authentic costumes of the game. The buffet includes the usual stadium food plus a salad bar. and custom sets. Combine that with all The Four Seasons greatest hits, What could make this better? FIREWORKS! following the game. Details: including: Sherry; Rag Doll; My Eyes Adored You; Can’t Take My Eyes Off You; Big Girls Don’t Cry; Walk Like A Man; and Oh What a Night... Depart Joplin at 4:30 p.m.; pick up passengers in Carthage at 4:50 p.m. and you are guaranteed a show you will never forget! Lunch at Black Approximate return time to Joplin is 11:00 p.m. Oak Grill before the show is included in the price. Details: Depart Cost: $58.00 per person Joplin at 9:00 a.m.; pick up passengers in Carthage at 9:20 a.m. Approximate return time to Joplin is 7:00 p.m. Deadline for having your money to Lisa’s office is May 4, 2015. Cost: $79.00 per person Deadline for having your money to Lisa’s office is Feb. 25, 2014. WEDNESDAY JULY 8, 2015 WEDNESDAY, APRIL 15, 2015 “HAIRSPRAY” THE NEW THEATRE - OVERLAND PARK, KS “FOREVER PLAID” THE NEW THEATRE - OVERLAND PARK, KS Our previous production sold out before it opened...HAIRSPRAY is This internationally acclaimed musical revue tells the story of four young, the most requested “return engagement” in New Theatre’s history. eager, male singers who in 1950 meet their demise in a bus crash on the On Broadway it won eight Tony awards and was hailed by the New way to their first big concert. Every evening they return from Heaven to York Times as “the best musical of the decade”. Set in the 1960’s, posthumously fulfill their dreams, to perform the concert that never was. HAIRSPRAY is the story of a “pleasantly plump” mother and her Featuring great hits such as Sixteen Tons; Catch a Falling Star; Matilda, teenage daughter...both full figured and ready to fight for what’s Moments to Remember; Chain Gang; Heart and Soul and Three Coins right! A delicious lunch buffet is included in the price. Details: Depart in the Fountain. A delicious lunch buffet is included in the price. Details: Depart Joplin at 8:30 a.m.; pick up passengers in Carthage at 8:50 a.m. Joplin at 8:30 a.m.; pick up passengers in Carthage at 8:50 a.m. Approximate return time to Joplin is 6:30 p.m. Approximate return time to Joplin is 6:30 p.m. Cost: $76.00 per person Cost: $76.00 per person Deadline for having your money to Lisa’s office is Mar. 21, 2015. Deadline for having your money to Lisa’s office is June 8, 2015. THURSDAY, APRIL 9, 2015 DOGWOOD CANYON - LAMPE, MO Covering 10,000 acres of pristine Ozark Mountain landscape, the park has miles of crystal-clear trout streams, dozens of cascading waterfalls, ancient burial caves, unique hand-built bridges and bottomless, blue-green pools. The walls of the jagged ravines frame a dramatic valley bursting with hardwoods, evergreens and of course, the park’s namesake - Dogwoods. The streams hold record trout, and the high meadows that reach into Arkansas provide pasture for small resident herds of long-horned cattle, American bison and elk. Our specially designed open-air trams allow guests to ride in comfort across our many custom bridges and low water crossings. Experienced guides enhance your adventure with an informative glimpse into both natural and cultural history. Price includes a delicious buffet of: smoked chicken & sliced BBQ brisket, salad, BBQ baked beans, corn on the cob, biscuits, cornbread muffins, honey butter and warm apple cobbler topped with vanilla ice cream. Coffee, lemonade & brewed iced tea. Details: Depart Joplin at 8:00 a.m.; pick up passengers in Carthage at 8:30 a.m. Approximate return time to Joplin is 5:00 p.m. Cost: $91.00 per person Deadline for having your money to Lisa’s office is Apr. 27, 2015 TRUST DEPARTMENT….Doug Crandall & Lora Phelps Alice Taft, Richard Patterson, Blake Nevill, and Elijah Vinson LOOK WHAT’S HAPPENING IN THE TRUST DEPARTMENT! It’s tax time again! While most of us aren’t too excited about having to drag out all of our receipts and files to prepare a tax return, there is a silver lining. This is a great time to complete your estate planning! Part of creating an estate plan is to evaluate all of your assets so that you can determine the best and most efficient way to pass those assets to your family. This process takes a little time, but you can maximize your time by doing your estate plan at the same time you are preparing your tax return. Contact us to discuss your estate planning needs. You can reach us at 417- Lora Phelps Doug Crandall 623-3424 or [email protected]. Vice President Senior Vice President & Trust Officer & Trust Officer We would also like to introduce you to our newest associate, Elijah Vinson. Elijah has been at the bank for two years and just recently joined the trust department. He attends Crowder College and will graduate with his Associate’s Degree in May of this year. He plans to continue his studies at Missouri Southern State University in the fall. Elijah enjoys playing the piano at church and for family and friends. He has proven to be a great asset to our department. Please stop by our offices at 32ND & Indiana in Joplin to meet Elijah and the rest our team!

AT AREA SENIOR CENTERS! We will be calling bingo and bringing prizes. Hope to see you there!

Joplin Senior Center March 11, 2015 - 10:30 a.m.

Webb City Senior Center May 27 - 10:15 a.m.

The Center (CARL JUNCTION) June 8 - 10:00 a.m. Dale & Donna Sill Jim & Barb Van Fleet Carthage CANDO Center Winners of the “Newlywed Game” July 15 - 10:30 a.m

Newton County Senior Center (NEOSHO) August 12 - 9:30 a.m.

STRAWBERRY CAKE MINIMUM LIFESTYLES Served at the 2015 Valentine Party 1 box white cake mix 1 (3 oz) box strawberry jello REQUIREMENTS: 1 (15 oz) tub frozen strawberries in sugar, thawed and pureed 4 eggs ½ cup oil ¼ cup water • Age 50 years or over In large bowl mix cake mix and jello. Add the rest of the ingredients, beat at medium speed until smooth. Pour into prepared 2 (9 inch round pans, greased) • Need a Lifestyles checking account pans and bake for 20-30 minutes or until inserted tooth pick comes out clean. ( $1,000 minimum) FROSTING: ¼ cup butter 1 (8 oz) pkg cream cheese, softened If you have a total deposit relationship 1 (sm) tub frozen strawberries, thawed and pureed of $5,000 or more with SMB, there is ½ teaspoon strawberry extract (we increased extract to taste) no minimum balance requirement for 7 cups powdered sugar the checking account and the Beat butter and cream cheese until creamy. Add ¼ cup strawberry puree and the strawberry extract. Gradually add powdered sugar, beating until smooth. account is free Spread frosting between layers, top and sides.

Baker’s Corner Presort Std. U.S. POSTAGE

Member FDIC PAID 1000 E. 32nd Street • Joplin, MO 64804 Joplin, MO 64802 Permit No. 116

This is your Lifestyles Newsletter

GENERAL TOUR INFORMATION

Advance reservations are encouraged and will be accepted for all trips. The sooner your reservation is received the better. All trips have a deadline for payment to be received in Lisa’s office. After the deadline, unpaid tickets will be returned to the theater.

Confirmation letters, with a full itinerary, will be mailed 4-5 weeks prior to departure date. If there are any questions, please contact

Lisa, 624-1995 or your local Lifestyles Advisor. ! LIFESTYLES EVENT RESERVATION FORM Please print clearly and send this reservation form with payment to: Lisa Passley • Southwest Missouri Bank • 1000 East 32nd St. • Joplin, MO 64804

NAME(S)______MARK THE DATE(S) YOU PLAN TO ATTEND: ______

q Wed. Mar. 25, 2015 $79.00 ADDRESS______q Thurs. Apr. 9, 2015 $91.00 q Wed. Apr. 15, 2015 $76.00 CITY______STATE______ZIP______q Fri. June 5, 2015 $58.00 PHONE______q Wed. July 8, 2015 $76.00

Departure Location: q Joplin q Carthage q Jasper (Destinations North)

EMERGENCY CONTACT: NAME______PHONE:______CONFIRMATION LETTERS ARE MAILED 4-5 WEEKS PRIOR TO DEPARTURE DATE