Trust and Investment Services

Our Trust and Investment Services Department will analyze your assets and assist you with planning to reach your financial goals. We look forward to helping you ensure your control of the assets that you work so hard to build, and to help grow your assets for generations to come. We offer the following services:

Investment Management	Estate Planning	Estate Settlement	Living Trust	Testamentary Trust
Investment Agency Accounts	Securities Custodian	IRA Rollover	Other Services	Investment Questionnaire

Investment Management

The Trust and Investment Services Department will provide full management discretion of your assets and relieve you of the time and worry. Investment decisions will be based on your financial needs and objectives, utilizing a conservative investment philosophy.

Estate Planning

We will work with you and your advisors to arrange a plan for conserving your assets. Your will and estate plan will be reviewed periodically in light of your changing circumstances. Estate Planning gives you security and peace of mind to know that your assets will be distributed according to your wishes.

Estate Settlement

Appointing us as your executor or personal representative assures that your instructions will be carried out and that your beneficiaries will receive our expert personal attention throughout the administration of your estate. As executor or personal representative, we take on the responsibility of settling your estate, which includes:

• Collecting and valuing assets
• Paying debts, expenses, and taxes
• Preparing all tax returns
• Distributing property according to the instructions in your will. We will settle your estate accurately and efficiently.

Living Trust

A Living Trust allows you to control your assets during your lifetime and beyond. It provides you with a greater degree of control and privacy. You may name First Bank Richmond as your trustee and we will administer your assets for your benefit during your lifetime and for the benefit of your beneficiaries thereafter. You retain the right to revoke the trust at any time. At your death the assets, or income, pass automatically to your beneficiaries without the necessity of probate. You avoid the delays, expense, and the publicity of probate.

Testamentary Trust

A Testamentary Trust is one that is created as part of the provisions of your will to assure the long-term fulfillment of your wishes. It can be devised to provide for the ongoing needs of your spouse and family. First Bank Richmond will invest trust assets to provide continuing income to your beneficiaries. Testamentary Trusts enable you to minimize estate and income taxes; provide for heirs who may not be able to manage for themselves; and determine when and how the assets will be distributed. As trustee of your Testamentary Trust, First Bank Richmond will work to provide financial comfort to those who are important to you by extending your intentions and protection into the future.

Investment Agency Accounts

At your direction, we hold your assets in safekeeping, settle your trades, keep your cash continuously invested, pay your bills, provide periodic statements, and summarize your transactions for tax reporting. We use a disciplined investment process, focusing on quality investments and emphasizing risks management and diversification through asset allocation. Our investment managers are nationally recognized as experts in domestic and international equities and fixed income investing.

Securities Custodian

To eliminate the clerical and accounting work that comes with self directed investing, we offer a Securities Custodian Account. As your custodian we will provide:

• Custody of your assets in one secure place
• Transaction reporting
• Current market value
• Projected annual income
• Settle trades

IRA Rollovers

We offer IRA Rollovers to those who have received a lump-sum distribution from a pension or profit sharing plan or who have substantial IRA accounts at other institutions. You may choose between two types of IRA Rollovers with First Bank Richmond:

1. A fully managed IRA Rollover in which we carefully select a mix of stocks and bonds designed to meet your growth and income objectives while remaining consistent with the risk parameters that you specify. Your IRA portfolio is individually structured to achieve your objectives. Whether to maximize current income or to invest for growth, an IRA account is ideal for those individuals looking to preserve purchasing power through portfolio growth.
2. A self directed IRA account is best for those who are comfortable in making their own investment decisions. First Bank Richmond acts as trustee while you make all of the investment decisions.

Other Services

• Will Safekeeping
• Escrow agents
• Guardianships

Investment Risk Tolerance Questionnaire

The purpose of the Risk Tolerance Questionnaire is to gather information from you to determine the type of investment best suited for you based upon the degree to which you desire to guard against or take investment risk. Click on this link to go to the Investment Questionnaire.

Investments through the Trust and Investment Services Department are not FDIC insured - may lose value - Not guaranteed by First Bank Richmond, NA.

For over 116 years First Bank Richmond has served the community. Your business is important to us and we will do our best to meet your needs. If you are interested in our Trust and Investment Services, please contact;

Alan M. Spears
Senior Vice President
Senior Trust Officer
1-800-548-8138 ext. 209
(765) 973-4209 (direct)
(765) 973-4348 (fax)
aspears@firstbankrichmond.com