• Quicker, more efficient estate settlement
• Privacy
• Disability planning
• Useful for individuals whose goals include avoiding probate and public scrutiny

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• Protects inherited family wealth for financially inexperienced family members, or for those with special needs
• Possible estate tax savings for surviving spouse
• The bank acts as an impartial, professional trustee
• Appropriate whenever you want to leave someone assets without the burden of management

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The bank can act as Personal Representative, or assist the Personal Representative in performing the following:

• Collect, value and safeguard all assets
• Distribute or sell assets in accordance with the estate plan
• Coordinate all estate and income tax preparation
• Prepare accountings and perform cash and investment management
• Pay all expenses and debts

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• Professional, ongoing portfolio management, collection and reinvestment of income
• Single statement for tax preparation
• Asset allocation plans created based on individual objectives
• Full custody service, including safekeeping of assets, tax lot recordkeeping, and periodic reports.
• Simplified agreement, available in the Trust Department, will enable the bank to act as your agent for any assets you select

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• Ability to hold unique assets, such as real estate, notes and mortgages, or partnerships
• Single statement and single point of contact for multiple asset types
• Flexibility to select multiple brokers for securities trades
• Efficient income collection and daily cash sweep

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