1st NC Bank

Personal Services

Trust Services

Wealth Building

Often clients seek professional assistance from professionals in building their estates. They may be kept too busy with the requirements of their businesses or jobs or they simply feel that they lack the expertise to make those critical decisions with regard to how to manage their assets. Adding a counselor to assist in such matters can bring peace of mind. An agency arrangement with 1st Bank can provide the solution.

If the client would also like to plan for the ultimate distribution of assets for the benefit of a spouse and other family members while insuring privacy of their affairs, then a Trust arrangement can accomplish both purposes.

The Trust Department of 1st Bank is structured to provide maximum flexibility while making available the services of highly qualified professionals to oversee the investment of your assets. You or your named representative (Investment Advisor) will make the choice initially, and from time-to-time thereafter, among a select group of professional, experienced money managers who will attend to the investing of your assets. Changes in the selection of the Money Manager can be made as your needs or your preference change.

This unique approach to investing does not limit the choice of an investment manager to employees of the Trust Department. We have arranged with several independent money managers to make the investment decisions with respect to the assets of our clients. All of the Investment Managers have had years of experience in the business of investing funds and can boast a proven record of their success. Our staff will assist in the selection of your Money Manager by providing you with information of past performance.

Trust accounts are also reviewed periodically by the Trust Committee that is comprised of local Bank Board members who are experienced business executives. They consider the results being achieved by the selected Investment Manager with regard to your objectives and needs. Clients may discuss with our staff the periodic reports that are sent to them in order to help analyze the condition and the performance of individual investment portfolios.

Contact a 1st Bank trust representative today to see how we can make your life more rewarding.

1st National Community Bank and its affiliates do not render tax advice or legal advice. For specific tax advice you should consult a tax advisor. Estate planning requires legal assistance.

INVESTMENT ACCOUNTS ARE NOT DEPOSITS OF THE BANK. THESE ACCOUNTS ARE NOT FDIC INSURED, ARE NOT INSURED BY THE GOVERNMENT AND ARE NOT GUARANTEED BY THE BANK. THEY MAY DECREASE IN VALUE.

1st National Community Bank | 16924 St. Clair Avenue | East Liverpool, OH 43920 | Phone: 330/385-9200 | Fax: 330/386-7452

Copyright 2006 1st National Community Bank. All rights reserved. Equal Housing Lender - Member FDIC.