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Trust Services

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PERSONAL TRUST SERVICES
First Community Bank can act as your successor trustee or, in some cases, your immediate trustee to ensure the continuation of responsible management of your assets during your lifetime and for the benefit of your loved ones after you are gone. A trust can be your special tool that lets us help you reach goals such as:

• Keeping your affairs private
• Protecting an inheritance for a child or grandchild
• Managing your assets if you are disabled
• Managing investments for your family after your death
• Supporting an elderly relative
• Making charitable gifts
• Desire for assistance with financial affairs and investment management
• Desire to minimize or eliminate probate expenses
• Interest in reducing taxes

Non-deposit investment products are •  NOT A DEPOSIT •  NOT GUARANTEED BY THE BANK OR ITS AFFILIATES •  NOT FDIC INSURED •  NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY •  MAY GO DOWN IN VALUE
FIRST COMMUNITY BANK DOES NOT OFFER TAX OR LEGAL ADVICE.


CUSTODY AND AGENCY SERVICES
Our custodial and agency services provide a full range of services to save you time while allowing you to retain complete management control of your portfolio.

• Bill Payment Services
• Provide safekeeping and professional management of your securities
• Execute your buy and sell orders
• Collect investment income, disburse, or reinvest income as you direct
• Maintain accurate records of your account
• Prepare periodic accounting statement listing details of all transactions
• Supply the information needed to prepare your income tax return



Non-deposit investment products are •  NOT A DEPOSIT •  NOT GUARANTEED BY THE BANK OR ITS AFFILIATES •  NOT FDIC INSURED •  NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY •  MAY GO DOWN IN VALUE
FIRST COMMUNITY BANK DOES NOT OFFER TAX OR LEGAL ADVICE.



EMPLOYEE BENEFIT SERVICES
Our plan service team provides a coordinated package of retirement plan services with the ultimate goal of keeping your plan running smoothly and efficiently no matter the size of your business.

Some examples of the types of plans administered are:
401(k), Simple-IRA, SEP-IRA

Non-deposit investment products are •  NOT A DEPOSIT •  NOT GUARANTEED BY THE BANK OR ITS AFFILIATES •  NOT FDIC INSURED •  NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY •  MAY GO DOWN IN VALUE
FIRST COMMUNITY BANK DOES NOT OFFER TAX OR LEGAL ADVICE.


Successfully transferring your assets, as you wish, requires both a will and a skilled personal representative. We ensure that your instructions will be carried out and your beneficiaries will receive committed personal attention throughout the administration of your estate.

Through our Estate Settlement Service, we administer your estate and take it through the complexities of probate. Our estate experience lets us settle your estate without necessary delay and disruption for your heirs.

• Arranging for probate
• Collecting, inventorying, valuing and protecting your assets
• Managing your assets during the estate administration period
• Accurate record keeping
• Paying estate taxes, expenses, and debts
• Preparing and filing income and estate tax returns
• Distributing estate assets to beneficiaries
• Most importantly, following your directions in your Will.

Non-deposit investment products are •  NOT A DEPOSIT •  NOT GUARANTEED BY THE BANK OR ITS AFFILIATES •  NOT FDIC INSURED •  NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY •  MAY GO DOWN IN VALUE
FIRST COMMUNITY BANK DOES NOT OFFER TAX OR LEGAL ADVICE.


GUARDIANSHIP SERVICES

In some situations, the courts may appoint a guardian for a child, or an adult who becomes too ill to manage financial affairs. First Community Bank's Trust professionals have in-depth experience in managing guardianship, and our team is committed to offering the personal service needed for these special situations.

Non-deposit investment products are •  NOT A DEPOSIT •  NOT GUARANTEED BY THE BANK OR ITS AFFILIATES •  NOT FDIC INSURED •  NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY •  MAY GO DOWN IN VALUE
FIRST COMMUNITY BANK DOES NOT OFFER TAX OR LEGAL ADVICE.

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