Trusts

Central National Bank offers a unique combination of stability, strength, service and security to give our trust customers confidence that we are here for them today and that we will be there for them tomorrow. We know the importance and value of long-term relationships and the peace of mind our customers enjoy in knowing that we will be there to take care of their business and to carry out their wishes. We recognize that our customers’ accounts are not only about investments – they are also about people. Our ability to serve as a trustworthy financial advisor and friend to help our customers meet their financial objectives is the key to our success.

Central National Bank’s Trust Department and Financial Services Division offer a wide variety of services to its customers including traditional trust and estate services, investment services, individual financial planning, management of employee benefits and retirement plans and insurance.

One of the greatest values we have to offer is personal service and a sense of security and peace of mind knowing that your assets are being handled professionally and according to your instructions. As a customer, you enjoy further peace of mind knowing that we provide additional security through regular bank examinations, external and internal trust audits and bonding of all bank officers.

Administrators

Each account is assigned to an officer to administer. The officer will establish a relationship with the account owner, grantor(s) and/or trust beneficiaries, as well as his or her attorney and accountant to insure that the grantor’s intentions and goals are met. Our officers will make themselves aware of the intimate details of the particular trust or investment account in order to best serve our customers. Customarily, there are at least two officers who are familiar with each account and who can assist the customer with any concerns.

Trust and Investment Operating Committee

Each week our officers report to a Trust and Investment Operating Committee to discuss any changes, concerns or major account activities which affect each individual trust and investment account. This weekly meeting helps to insure that your account is being handled properly.

Trust and Investment Committee

The Trust and Investment Committee is comprised of several of the members of the board of directors of Central National Bank. Each month this committee meets to review the actions taken and the recommendations made by the Trust and Investments Operating Committee.

Here is a list of just a few of the items that the Trust Department at Central National Bank can you help you with:

• Real estate management
• Personal Trusts
• Manage a wide range of assets
• Safekeep family heirlooms and securities
• Pay bills such as insurance premiums, medical expenses, other care providers, utilities and taxes
• Provide Medicare and Secondary Insurance Recovery
• Carry out annual gifting plans
• Assist with year-end tax planning
• Prepare income tax returns