Professional Investment Management at Legacy Bank

At Legacy Bank our goal is always to maximize the personal wealth of our clients. Whether that be through our individual personal and business bank accounts or a customized investment management strategy designed specifically with your needs in mind.

Our private bankers can assist you with managing your financial assets in order to achieve your specific financial goals such as retirement and legacy planning. Your private banker, along with a team of Legacy Bank financial experts can advise you on virtually everything that impacts your net worth, such as real estate holdings, taxes, insurance policies, personal and business loans, estate planning, private business ownership, investments, and more.

Legacy Bank's custom investment services include management of the following components:

• Stocks, bonds and other investment vehicles
• Special asset management
• Personal trust planning and administration
• Estate planning and administration
• IRA and other retirement planning
• Life insurance planning and direction
• Tax consequences of various investment strategies
• Agency and custodial services

When you participate in our Professional Investment Management program, we'll work closely with you to develop an Investment Policy Guideline ("IPG"). Your personal IPG is essentially an operating manual for managing your portfolio. It will contain:

• Your projected cash flow needs
• An analysis of your tolerance for risk
• An approximate time line of your financial needs
• Projected performance objectives

Your Asset Allocation Strategy will stay focused on your IPG and will consider the following variables:

• Cash flow and liquidity
• Income and estate taxes
• Any specific portfolio preferences you may have
• Risk minimization and control
• Current real estate and other long-term asset holdings

Our Professional Investment Management program includes systematic portfolio performance reviews, examining the overall portfolio allocation, as well as the performance of individual managers, funds and asset classes. Allocation strategies are also reviewed at regular intervals.

Our goal is always to ensure that your financial portfolio is accomplishing your predefined IPG objectives while constantly adjusting to changes in the market and in your life circumstances.

Please contact your Legacy Private Banker for more information on your specific Professional Investment Management needs.

Investing involves risks, including possible loss of principal. Please consult the prospectus before investing in any mutual fund. Insurance products are offered through insurance agency affiliates of Legacy Bank. Securities and insurance products are not deposits, are not FDIC insured, are not insured by any other Federal Government Agency and may go down in value. You should consult with your tax and legal advisors concerning the tax and legal consequences of any transaction or investment. Legacy Bank does not offer or provide tax or legal advice, but will work with your tax and legal advisors to provide you outstanding products and services