DBQ_SBBusiness Banking Brochure

A majority of assets in an E.S.O.P. usually are invested in employer stock, which can help provide liquidity in a closely held company. IRA Rollover Trusts Funds in these accounts—established as a result of a distribution from a qualified retirement plan—grow tax- free until withdrawn. Non-Qualified Deferred Compensation These plans can be established to benefit only certain key executives without being ruled discriminatory. Managed IRA The American Trust Managed IRA (MIRA) makes saving and investing for retirement easier. Our experienced investment professionals assist you in choosing a portfolio that best fits your investment style. Once you select a portfolio, we manage the investments for you, conduct quarterly rebalancing, and make strategic changes to your investments. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. There are many different types of wealth management services. Our professionals can review what best fits your financial and estate planning needs. Take advantage of American Trust’s proven investment expertise through one of many asset management tools. Revocable Living Trust A revocable living trust is an arrangement in which a person transfers ownership of property to a trust account. The trustee is responsible for portfolio review and investment decisions of the assets held in the trust. This provides the assurance of knowing you have professional portfolio management. A revocable living trust gives you the freedom to control the terms of the account as changes occur in your life and after your death. Investment Management Agency Account An agency account is a simple standard arrangement allowing the bank to manage your assets. An agency provides you all of the professional management, custody, bill paying, and recordkeeping available with a trust, but this arrangement ends with your death, unlike a revocable trust which can continue. Wealth Management

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Financial Management Group American Trust is responsible for investing and administ- ering trust assets worth over $2.0 billion. We have over 75 highly trained, dedicated people making us the best- staffed financial management group in the region. American Trust Retirement was recognized nationally for excellence by PLANSPONSOR ® Magazine, a leading authority on retirement issues and benefits programs. Each year, the magazine recognizes the top retirement plan providers in the country based on the quality of participant and plan sponsor services. If you are a company interested in finding a better retirement solution, look no further. With proven success through leadership, client focused service, and unparalleled expertise, American Trust can customize a plan just for you. At American Trust, we strive to help our clients create and maintain a meaningful retirement benefit for their company, shareholders, current and future employees. No matter what your business size, American Trust has a program to help your employees plan for retirement. Here are some plans we can help you design, implement, and administer: 401(k) Plans A 401(k) usually is used in combination with a profit sharing plan. Participants contribute periodically to a retirement fund and gain the advantage of tax deferral. The employer can elect to match contributions. Age-Weighted Profit Sharing Profit sharing plans maximize benefits for key employees and offer maximum flexibility with employer contributions. Defined Benefit These plans provide for a certain benefit at retirement. The contribution and benefit amounts are based on salary, years of employment, employee turnover, Retirement

investment performance, and retirement age. Employee Stock Ownership Plan (E.S.O.P.)