Prepare your family's future financial security today. INB's educated and experienced staff can provide a full range of personal trust services, including:

Trust Services

• Revocable Living Trust - INB serves as trustee under an agreement with an individual. INB safeguards assets, advises on investments, collects and distributes income, keeps records and provides reports. Trusts can save you time, taxes, expense, and help you avoid probate.

• Trustee for Foundations and Endowments - INB is named as trustee or investment manager of assets donated to public or private charitable organizations.

• Personal representative - Formally known as executor or administrator, INB is named in a person's estate or is appointed to act as agent for the personal representative. INB is then responsible for collecting, safeguarding, investing and distributing assets, settling claims and paying taxes, and providing accounting to the heirs.

• IRA Rollover - An IRA Rollover can save taxes for a person who has received a distribution from a qualified retirement plan or who wishes to move an IRA from another financial institution. By depositing into a Rollover IRA within 60 days from receipt, you can delay paying taxes on the money and keep earning tax-deferred interest. INB collects and distributes income, keeps records, and provides regular reports.

Estate Planning

• Wills - A will is a powerful legal document, and is one of the most important components of your overall estate plan. A will can be used to create a trust, under which INB works for the benefit of your heirs. You maintain full control of your assets during your lifetime, and can rest secure in the knowledge that your wishes will be faithfully executed with the provisions set forth in your trust document.

• Estates - INB's estate planning services include assistance in identifying your assets, determining how you'd like them to be distributed, and utilizing all resources to minimize the impact of estate taxes.

• Trusts - A trust provides you resources to help your assets reach their maximum potential, while minimizing taxes at the same time. You can appoint INB as your trustee, or serve as trustee yourself, naming INB as your successor in the event of your incapacity, death or resignation. Whatever arrangement you choose initially, you always retain the right to alter or cancel that arrangement at any time during your life.

• Inheritance - When coupled with the emotional loss of losing a loved one, inheriting a sum of money can sometimes be overwhelming. INB is available to offer financial guidance for your inheritance. We can help you define your goals, and map out a plan to preserve and grow your wealth.