In today's fast changing world, our Trust Professionals can help you manage your assets while saving you time and effort. Our Trust Professionals can offer an individualized approach to money management. In order to help you reach your financial goals, we provide you with:

• A comprehensive risk assessment review of your portfolio
• Ongoing meetings with your Personal Trust Officer
• Access to a full spectrum of investment products
• Complete record-keeping and reporting for all your assets
• Protection of your securities against physical loss or theft
• Tax reduction planning
• Preparation of complete information needed for tax filing
• College planning

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City Bank Trust has a tradition of attending to varied needs of those with private trusts and we understand the need for highly personalized service. Our track record over the years proves that we know what we are doing. We have a range of traditional trust products and services and a highly experienced staff who can offer you:

• Estate administration
• Wills/probate review
• Family trust administration
• Revocable trusts
• Irrevocable trusts
• Life-insurance trusts
• Guardianships
• 142 trusts
• Oil and gas administration
• Real estate administration
• Charitable trusts for individuals and corporations

Retirement Services

Whether you need help as an individual, a small business practitioner, or have a corporate retirement portfolio to discuss, all of your retirement needs can be met with one or more of our retirement services through City Bank Trust.

• 401 (k) plans
• Self-directed IRA's
• SEP's (simplified employee pensions plans)
• ESOPs (employee stock option plans)
• Defined-benefit plans
• Profit-sharing plans
• Keoghs
• Managed IRAs

We can outline a variety of options for you and assist you in developing a retirement plan to meet your needs today and as those needs change in the future.

Keep up to date on all the latest IRA developments:

Homemaker IRAs

As of January 1, 1997, the Homemaking IRA came into effect, allowing spouses who work in the home to make tax-deductible individual retirement savings contributions equal to those who work outside the home.

Rollover IRAs

These are available for any individual receiving a distribution from a qualified employer plan. If you receive a lump sum payment from an employer's plan, part or all of it may be rolled over into an IRA. You will not be required to pay income taxes on such funds until you begin taking distributions from the IRA.

Roth IRAs

The New Roth IRA provides the opportunity for tax-free distributions when certain requirements are met. The following EPIC link allows virtually all plans the opportunity for daily evaluation.