Personalized Trust and Agency Services                                                                                                                   

     1. Individualized Trust and Agency  Services
          - A trust fund set up to meet the unique requirement of the  client relative to investment outlet, disposition of the fund, conditions precedent or vesting of rights   of the beneficiaries.

     2. Investment Management Account 
          - An agency arrangement whereby the client grants the bank (investment manager) the authority to invest funds in certain assets. 

     3. Living Trust 
          - A trust fund set up during one’s lifetime with the aim of planning for the future.

          a. Accumulation Trust 
               - A trust fund built up/accumulated over a period of time to meet specific future needs (i.e. Educational Requirements & Retirement Fund).

          b. Life Insurance Trust 
               - A trust fund set up for the purpose of allocating the future proceeds of your life insurance policy  to be used for any purpose or payments depending on the instruction of the client.

     4. Testamentary Trust           
          - A trust arrangement set up for the specific purpose of giving effect to the property provisions of a will.

     5. Settlement of Estates 
          - A trust arrangements set up to assist heirs in gathering the property of a deceased person, payment of taxes and obligations, distribution of said property and its income among such heirs.

     6. Guardianship
          - A trust arrangements to safeguard and manage the assets and properties of persons who may be disabled, incompetent or too young to manage properties they  acquired or inherited.

     7. Property Administration
          - A trust arrangement set up to manage investments in real properties by  facilitating the performance of specific tasks such as collection of rent, payment of  real property and income taxes, securing of fire insurance coverage.