Trust Services
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Product Profiles         Schedule of Fees & Other Charges

TRUST DEPARTMENT PRODUCT PROFILES
AGENCY ACCOUNTS
Customer hires FNB to assume certain duties regarding their investments.
FEATURES BENEFITS
DEFINITION OF AGENCY ACCOUNT A relationship where a customer hires FNB through a letter of instruction (Agency Agreement) to assume certain duties regarding their investments. The duties are disclosed in the agreement which can be terminated in writing. The client then turns over their assets to the Bank and we will manage them according to the instructions in the Agency Agreement.
CUSTODIAL ACCOUNT This is a simple but complete administrative and custodial service. We perform all the accounting, record keeping, and income collection duties for investments and safekeeping privileges.
INVESTMENT MANAGEMENT ACCOUNT Includes all custodial duties plus investment management and advice. We accept investment responsibility under guidelines established in the Agency Agreement.
IMPORTANT SERVICES Safekeeping, Record Keeping, Regular Reports, Tax Worksheets, Timely Collection and Investment of Income, Skilled Advice for Investments, Bill Paying, and Farm Management
TRUSTS
Customer hires FNB to manage assets placed within the trust as trustee.

FEATURES BENEFITS
TESTAMENTARY TRUST Trust created through a will.
LIVING TRUST Trust created through present trust agreement.

REVOCABLE: Customer can terminate the trust at any time.

IRREVOCABLE: Customer gives up the right to terminate the trust.
WHY A TRUST Investment Management
Provide funds to you and others
Continues uninterrupted if incapacitated or after death
Avoids glare of publicity from probate
Timely and accurate record keeping
Prevents dissipation of assets
Spend thrift provisions can be implemented
Minors or special needs provisions can be invoked
IMPORTANT SERVICES Safekeeping, Record Keeping, Regular Reports, Tax Worksheets, Timely Collection and Investment of Income, Skilled Advice for Investments, Bill Paying, and Farm Management
OTHER FIDUCIARY ACCOUNTS
Products that can be utilized in the Bank's Trust Department
FEATURES BENEFITS
CORPORATE EXECUTORSHIP Trust department acts as executor and administrator through entire estate process.

Why the Trust Department? Estate administration is complicated with dozens of duties as a financial manager required, along with continuing communication with family members. The Bank is better prepared to handle emotional issues that may arise.
POWER OF ATTORNEY Trust department takes this fiduciary role as (Financial Estate) outlined by the power of attorney document and state statutes. This may include collecting receipts, paying of bills, make investments, manage and/or sell property, etc. This can continue during the lifetime of the individual exercising the power of attorney.
CHARITABLE TRUST AND FOUNDATIONS More comprehensive estate planning vehicle. This product is mainly used by high net worth customers or individuals without family that have strong charitable attributes.
GUARDIANSHIP/CONSERVATORSHIP Court appointed to protect financial estate of minor or disabled child or adult. Must report all receipts and disbursements to court on a timely basis.
RETIREMENT PLANS Individual Self Directed IRAs, Business 401(k)/Profit Sharing Plans, Simple 401(k) Plans
SCHEDULE OF FEES & OTHER CHARGES
EFFECTIVE: JANUARY 1, 2014
I. Trust Under Agreement, Trust Under Will, Investment Management & Agency Accounts, Power of Attorney, Charitable Trust & Foundations:
Annual base fee of $400.00 plus a percentage of market value of assets under management calculated and charged monthly:
First $ 500,000.00.80% of Market Value
Next $1,000,000.00 .50% of Market Value
Over $1,500,000.00.40% of Market Value
Minimum Fee$750.00
(Note: See VIII A & B for Extraordinary Fees)
Services Provided:
Asset Custody Income Collection & Disbursement
Bill Payment & Medical Claims Tax Statement
Daily Investment of Cash Balances Asset Allocation
Investment Advice Account Administration
Securities Trading Periodic Statement of Holdings & Transactions
II. Executor & Administrator:
1.5% to 5% of Estate assets based on complexity and gross estate plus expenses
Minimum Fee $1,000.00
Services Provided:
Asset Custody Income Collection
Bill Payment & Medical Claims Tax Statement
Daily Investment of Cash Balances Asset Allocation
Investment Advice Account Administration
Securities Trading Periodic Statement of Holdings & Transactions
Court Reporting
III. Custody Accounts (client has full investment discretion):
First $ 250,000.00 .30% of Market Value
Next $750,000.00 .25% of Market Value
Over $1,000,000.00 .20% of Market Value
Minimum Fee $250.00
Services Provided:
Asset Custody Tax Statements
Daily Investment of Cash Balances Account Administration
Income Collection & Disbursement Periodic Statement of Holdings & Transactions
IV. Farm Management:
Farm real estate under management will be segregated from account assets and billed as follows:
A. Minimum management required - 3% to 5% of gross farm receipts
B. Full management - 5% to 7% of gross farm receipts
V. Irrevocable Life Insurance Trust & Land Trust (Billed Annually):
Annual Fee $200.00
VI. Guardianship/Conservatorhip:
Trust Officer Time$85.00 per hour
Clerical Time $40.00 per hour
Plus asset under management fees (See III), and extraodinary fees (See VIII A & B)
Minimum Fee $750.00
VII. Self-Directed Traditional IRA, Roth, SEP and Simple Plans
          Minimum Fee:                                $30.00 
VIII. Extraordinary Services
A. Extraordinary time required above and beyond the normal and customary time required to service a similar account will be billed as follows:
1. Trust Officer Time    $85.00 per hour
2. Clerical Time    $40.00 per hour
B. Extraordinary expenses will be billed to the account as follows:
1. Mileage    $ .55 per mile
2. Photocopies    $ .20 each
3. Long Distance Phone Charges - as billed
4. Annual Transaction Fee
a. 200 transactions per year    no charge
b. excess of 200 transactions per year    $1.00 each (exempting all internal bank transfers)
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