TRUST AND INVESTMENT SERVICES

Investment Agency Services

Investment Agency -

current management

First American Bank and Trust Company will assist the customer in developing an investment objective for the account based on the customer's unique situation. Then, First American Bank and Trust Company will provide the customer with a strategy to achieve this objective and carefully monitor the account to ensure the customer makes progress in achieving this objective.

401k & Profit Sharing Plans -

planning and investing for retirement

First American Bank & Trust Company will serve as investment advisor to defined contribution retirement plans (401k, profit-sharing, and/or money purchase pension plans.) First American Bank & Trust Company's services include initial and ongoing: plan design assistance, investment policy statement consultation, investment research, and participant education.

Managed Individual Retirement Accounts -

income deferral and distributions

Individual Retirement Accounts (IRAs) or employer retirement plan accounts are often the largest asset most individuals will have. First American Bank and Trust Company can help customers manage their assets with a Roth IRA (after-tax money that grows tax-free) or a Traditional IRA (pre-tax money that is taxed upon distribution). First American Bank and Trust Company invests the account according to the customer's investment objective.

Investments offered by Trust and Investment Services are NOT FDIC INSURED, provide NO BANK GUARANTEE, and MAY LOSE VALUE.