The client's relationship with American National Bank's Wealth Management Group begins with an overview assessment of their current wealth management plan along with their unique values, goals and objectives. The team then works with the client to create a customized wealth management plan.

The group's disciplined approach addresses 12 principles of wealth management:

• Family Dynamics
• Investment Management
• Cash Flow & Specialized Lending
• Insurance & Asset Protection
• Power of Attorney & Personal Representative
• Business Succession Planning
• Real Estate & Specialty Assets
• Retirement Planning & Distributions
• Concentrated Positions & Stock Options
• Estate & Trust Services
• Charitable Gifting
• Wealth Transfers

Trust administrators help clients explore their various trust options and choose the arrangement that works best for them. Clients have access to a breadth of services typical of a large institution, while enjoying the personal, local service of a community bank.

In delivering traditional trust services, American National Bank's experienced professionals tailor services to the needs of each client, with a focus on long-term security and asset growth.

Traditional trust services provided by American National Bank include:

Trustee/successor trustee services

• Living trust
• Testamentary trust
• Charitable trust

Probate court appointments

• Trustee, court-created trusts
• Personal representative (Decedent Estate)
• Conservator (Protected Person Estate)

Investment management

• Personal
• Non-profit

Asset custody

• Personal
• Non-profit

Every person is unique, and so are their banking needs. American National Bank's Private Banking services give Wealth Management clients a more personalized banking experience.

Individual and business clients work with their own dedicated Private Banker who understands their specific financial situation, and then develops an innovative, customized approach to deposit and credit needs. As clients' needs evolve, their Private Banker remains closely connected to ensure each plan maximizes long-term financial security.

Customized financing and credit services:

• Secured and unsecured lines of credit and loans
• Financing to capitalize on investment opportunities
• Customized financing for luxury goods
• Residential and investment commercial property financing

Customized deposit services:

• Online banking and bill pay
• Personalized cash management services

Managing investments is a critical, yet complex function. At American National Bank, investment management begins with the goals and objectives as defined in each client's unique wealth plan.

Using in-depth research and analysis, an investment manager helps clients understand their options and determine the most appropriate asset allocation.

Investment managers implement and manage client portfolios, rebalancing them as market conditions require. The manager and client review and adjust allocations on an ongoing basis, ultimately helping clients manage portfolios according to their unique goals and objectives.