An Exciting New Service INVEST Trust Services An Exciting New Service

INVEST Trust Services Allows you to meet the trust service needs of your customer base Generates new revenue opportunity You remain the “focal point” in the relationship with your customer.

A Strategic Partnership INVEST Representative National Advisors Trust Company, FSB

National Advisors Trust Company An Independent, nationally chartered trust company Federal regulatory authority – Office of Thrift Supervision (OTS) Member of Federal Deposit Insurance Corporation (FDIC) Administers over $4 Billion in Assets

INVEST Trust Services INVEST Financial Corporation and National Advisors Trust have entered into a Private Label Trust Services Agreement INVEST is an authorized “Trust Representative Office” of National Advisors Trust

INVEST Trust Services INVEST Trust Services Can Administer: Living Trusts Charitable Trusts Trusts Created by Will Revocable Trusts Employee Benefit Plans

What does it mean to you? Allows you to serve your clients better Generate new revenue You maintain a client relationship as a “Trust Relationship Manager - TRM”

How trusts better serve clients Controls the wealth transfer process Asset management Tax benefits Protection against disability Addresses unique needs of family members Orderly succession of assets to family

Transfer of Wealth Over the next 15 years, an estimated $8.7 trillion of wealth will transfer between the generations

Where Will That $8.7 Trillion Go?

How Do You Benefit? Strengthens and expands your bank’s client relationships Protects your role as primary advisor Connects you to your client’s total financial picture Provides a competitive advantage Increases and stabilizes your organization’s revenue, provides you with recurring revenue Creates a link to trust beneficiaries

INVEST Representative = Trust Relationship Manger How easy is it to become a “Trust Relationship Manager”?

Trust Relationship Manager National Advisors Trust Bank Client National Advisors Trust to Client Fiduciary Relationship Bank to Client Relationship Focal point of the relationship – Trust Relationship Manager INVEST to National Advisors Trust Authorized Trust Representative Office

How it Works You Serve Client as Trust Relationship Manager You Identify Trust Account Prospect Client Contacts You You Collect Trust Information NATC Considers Acceptance of Trust Relationship You Send Trust Info to National Advisors Trust National Advisors Trust Reviews Information Establishment of Trust Account Relationship Assets Transferred to National Advisors Trust You Serve Client as Trust Relationship Manager

Five Opportunities to establish a New Trust Account Relationship Client wants to create a new trust agreement Transfer of an existing trust account from an existing trust company to National Advisors Trust Family member, as trustee, appoints National Advisors Trust as successor trustee Trusted professionals (attorney & accountant) Successor Trustee

1. Create New Trusts Client creates a “Living Trust” Agreement & names National Advisor Trust as Trustee National Advisor Trust accepts appointment as Trustee INVEST as the Trust Representative Office appoints you as Trust Relationship Manager Client Funds Trust Account with Cash

1. Create New Trusts Typical Client Client Benefits Wants “control” after wealth transfer $1,000,000+ in assets Current or past health issues Need comprehensive wealth management Need bill payment services Client Benefits Orderly transfer of wealth at time of death Cost Basis tracking & step up basis at death Keep relationship with you Simplifies tax prep Bill pay & account consolidation Can be revoked Professional asset management

2. Transfer of an Existing Trust National Advisors Trust replaces an existing trust service provider and serves as successor trustee National Advisor Trust accepts appointment as successor trustee INVEST as the Trust Representative Office appoints you as Trust Relationship Manager Prior Trustee transfers trust assets to National Advisors Trust custodian

2. Transferred Trusts For existing trusts: With large trust institutions In client’s previous state of residence With family member(s) as trustee Other financial services organization trust company

2. Transferred Trusts Reasons Individuals Change Trustees Lack of service or administration expertise Lack of investment choices or investment expertise Poor investment performance Infrequent or poor communication Increased fees

3. Family Member(s) as Trustees National Advisors Trust to replace an existing family member as successor trustee National Advisor Trust accepts appointment as successor trustee INVEST as Trust Representative Office appoints you as Trust Relationship Manager Change registration of trust assets at custodian

3. Family Member(s) as Trustees For existing irrevocable trusts Families with internal conflicts and pressures Grantors who don’t want to burden family members Families that lack the time or ability to serve as trustee Improper trust accounting and administration A solution to a long-term trustee need Families dispersed throughout the country

4. Trusted Professionals National Advisors Trust replaces trust professional as successor trustee National Advisor Trust accepts appointment as successor trustee INVEST as Trust Representative Office appoints you as Trust Relationship Manager Change registration of trust assets at custodian

4. Trusted Professional For existing trusts Most often they were default trustee due to lack of options in the community Want to avoid the administration duties Want to limit their liability exposure Concerns about continuity Lack of investment management skills and investment options Non-profit organizations as Charitable Trustee

5. Successor Trustee in Living Trust A successor trustee becomes active when the current trustee is no longer willing or able to serve (upon death, incapacitation or resignation.)

5. Successor Trustee Named in Agreement of an existing (amendment) or new trust document Provides your clients with continuation of service and professional service to beneficiaries Provides a safety net and peace of mind for your clients No fee until trustee begins to serve beneficiaries

National Advisors Trust Duties Administer the trust according to the document Is ultimately responsible for oversight of investment strategies Make principal distributions Maintain proper accounting- “Four Tier Trust” accounting Report all account transaction on client statements File the trust’s income tax return (if required)

Benefits of National Advisors Trust Experience Regulatory oversight (OTS, FDIC) Well capitalized Avoids family conflicts Objective treatment for all beneficiaries Ability to serve for multiple generations

INVEST Trust Services Continually providing new programs and services Consistently meeting or exceeding your banks’ expectations for products, service, quality, and performance Ensuring you are effectively trained so you are better able to serve your clients

With INVEST Trust Services, the INVEST Rep… Remains linked to your clients’ financial plans & needs. Receives professional assistance from a dedicated trust officer. Receives compensation on funded trust accounts. Expand service to your clients Stays involved in your clients’ trust business after their death

Getting Started Participate in Training Sessions and Receive Certification Become familiar and comfortable discussing trusts with clients. Participate in training sessions. Receive brochures and marketing letters Create awareness in your community Prospect existing clients Prospect to beneficiaries and grantors of existing trusts Create an alliance with local estate planning attorneys, tax advisors & planned giving professionals

A Strategic Partnership INVEST Trust Services National Advisors Trust Company, FSB