Trust Services

Control the management of your assets today, while providing financial security for your family.

A trust is an effective tool for managing your assets during your lifetime and for the benefit of your loved ones after you are gone. A trust ensures that your assets will be managed in the future according to your wishes, as well as providing significant tax advantages to help you preserve those assets in the present.

When you name Citizens Bank & Trust as your trustee, you and your beneficiaries enjoy the knowledge and expertise of a breadth of specialists in such fields as:

• Taxation
• Investment research and management
• Securities trading
• Real estate
• Mineral and special resource management
• Family business

You owe it to yourself and your family to rely on Citizens Bank & Trust resources delivered locally.

Find the Trust for your needs

We will work with you to create the appropriate trust vehicles for you and your beneficiaries.

Living Trust

A trust which allows you to keep a high degree of control and privacy over your assets, while ensuring a smooth transition if you should ever need a successor to oversee your affairs.

Self Declaration of Trust

A type of living trust in which you continue to be responsible for your assets for as long as you are able and willing.

Testamentary Trust

A Trust created as part of your will to assure the long-term fulfillment for your wishes.

Living Trust

You have worked hard to acquire your assets. We will make sure you maintain control.

A living Trust is a valuable estate-planning tool that assures proper management of your assets during your lifetime and provides benefits to your loved ones that after your death. We will be your partner in ensuring that your trust changes with your needs, while protecting your assets from probate and providing continuity of administration.

Maintain confidentiality and liquidity

Unlike a will, a Living Trust is confidential, and provides the liquidity necessary to pay expenses at the time of your death. If you select Citizens Bank & Trust as a trustee to oversee your affairs, we will ensure your wishes are followed

Your Citizens Bank & Trust relationship manager will:

• Work with you and your attorney to craft a plan to meet your specific needs
• Employ the resources required to manage your assets to their full potential
• Provide relief from any burdensome financial responsibilities you wish to relinquish
• Bring you our full capabilities and expertise in trust administration

The Citizens Bank & Trust Difference

Selecting Citizens Bank & Trust as your trustee provides you with an impartial professional third party who is a committed and experienced professional.

Self Declaration of Trust

Maintain control of your assets now, while privately relinquishing control when the time is right.

A Self-Declaration of Trust is a special type of Living Trust in which you declare yourself as trustee of your own assets for your own benefit. You continue to be responsible for those assets for as long as you are able and willing.

As part of the trust agreement, you choose a successor to take over if you become unable to manage your affairs or when you choose to relinquish those duties, without any legal proceedings.

Choosing Citizens Bank & Trust as your successor ensures comprehensive trust capabilities and more than a century tradition of impeccable personal service, including:

• Daily sweep of cash into short term investment vehicles
• Security custody and investment management services
• Tax preparation and filing
• Distribution or reinvestment of trust income
• Financial consultation with beneficiaries of trust
• Safekeeping of trust assets
• Managing special assets, such as real estate, mineral and special resources, family businesses, and intellectual rights and properties.

Many people find a Self-Declaration of Trust superior to a will because it is not filed in Probate Court. There will never be a public disclosure of your assets and their disposition, because assets held in trust are not subject to probate, estate settlement costs are reduced.

The Citizens Bank & Trust Difference

When you work with Citizens Bank & Trust in managing your trust, you will receive specialized estate planning guidance from expert advisors. Our dedicated professionals provide personal commitment to handling every detail of your trust and keeping you informed, just as we have for five generations of families.

Testamentary Trust

Preserve your estate and provide continuing care for your family.

With a Testamentary Trust, you state your intentions and provide for the ongoing needs of your spouse and family, especially those too young or not capable to assume responsibility for their inheritance. Citizens Bank & Trust is uniquely qualified to manage virtually any asset type and is a committed, responsible trustee.

A tax advantage and financial security for your heirs

A Testamentary Trust, also know as a Trust Under Will, can help protect your estate and provide for your loved ones by:

• Reducing the estate tax burden at your death
• Meeting major expenses, such as a child's marriage or a grandchild's education
• Maintaining a legacy to a favored charity

Above all, you will provide financial security for those who are important to you by extending your intentions and financial protection well into the future.

The Citizens Bank & Trust Difference

You have spent years protecting and providing for your family. Let Citizens Bank & Trust provide the peace of mind of knowing your family will be cared for after your death. We bring nearly a century of experience in administering a broad array of trusts and combine that with a personal concern for you and your beneficiaries' needs.

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