The services offered by First Trust Services can be useful to clients with varying degrees of wealth. Certainly financial resources are necessary, but trust services are most beneficial when money management needs cannot be met with basic banking products.

Often life events will determine the need or desire for trust services. These may include:

• the loss of a spouse through death or divorce
• appointment as personal representative of an estate
• approaching retirement
• inheritance
• family business considerations
• pension planning
• increased travel or the desire to travel

These events are indicators that trust services may prove helpful in handling the financial issues that could and often do arise. To assist you in dealing with these events, we offer a full range of trust services.

We want you to know that investment products provided by Trust Services of First Financial Bank:

• Are not a deposit
• Are not FDIC insured
• Are not insured by any federal government agency or the bank
• May lose value