First Liberty National Bank is the only locally owned bank to offer to its customers trust service. In planning for your financial future, you should consider the options that we can offer you.

Self -Directed Individual Retirement Account - If you are participating in an Individual Retirement Account and if you want to invest those funds in financial instruments other than a certificate of deposit, we can help you. By opening a Self Directed IRA, you can invest your retirement funds in various financial instruments such as stocks, bonds and mutual funds. You have full control over the investment decision. You simply make your choices then call us, we do the rest. We purchase the investment for you, collect your dividends and/or interest, and send you a quarterly statement of your account.

Self -Directed Individual Retirement Rollover Account - If you are taking early retirement and your company is paying you a lump-sum payment, whether that payment be in the form of cash or securities, a Self Directed Individual Retirement Rollover Account will allow you to invest your retirement funds in various financial instruments such as certificate of deposit, stocks, bonds and mutual funds. You have full control over the investment decisions. You simply make the decision, call us and we will do the rest. We purchase the investment for you, collect your dividends and/or interest, and send you a quarterly statement.

Trust Managed IRA or IRA Rollover - If you do not feel qualified investing your IRAs or IRA Rollovers, we can manage your funds for you. We have four different plans to invest your funds:

*FLNB Plan #1 places 70% of your investment into bond funds and 30% into equity funds.

*FLNB Plan #2 places 60% of your investment into bond Funds and 40% into equity funds.

*FLNB Plan #3 places 50% of your investment into bond Funds and 50% into equity funds.

*FLNB Plan #4 places 40% of your investment into bond Funds and 60% into equity funds.

Living Trust - A Living Trust is designed to help you make sure someone can handle your finances in case you cannot. By establishing a Living Trust, you assign the management of your assets to the FLNB's Trust Department. We will invest your funds and pay your expenses. We will be working for you.

Education Trust - You can establish An Education Trust so that you will know your child or grandchild will have the funds to continue his or her education.

Endowment Fund - Have you been wanting to set aside funds for your favorite charity, but do not know how? We can help you decide how best to set those funds aside, how you want those funds disbursed and how you want those funds invested. By establishing an endowment fund, you can help your favorite charity continue to fund those needed projects.

We believe you should plan for your future. We want to help you make those plans. Give us a call. We will be glad to visit with you.

Glenda Griffin

Trust Officer

(936) 334-3129

Bryan Reynolds

FiServ Registered Investment Account Representative

(936) 334-3125

Securities purchased for trust accounts are not FDIC insured, are not obligations of First Liberty National Bank and are not guaranteed by First Liberty National Bank and may involve investment risk, including possible loss of principal.

FLNB Investment Services - Securities and insurance products provided by PrimeVest Financial Services, Inc. Primevest Financial Services, Inc. is an independent, registered broker-dealer. Member SIPC / FINRA. Securities and insurance products offered by PrimeVest: * Not FDIC insured * May go down in value * Not financial institution guaranteed * Not a deposit * Not insured by any federal government agency.

*Insurance products or annuities are offered through FLNB Insurance Agency, Inc. The insurance product or annuity is not a deposit or other obligation of, or guarantee by, First Liberty National Bank or FLNB Insurance Agency, Inc. The insurance product or annuity is not insured by the Federal Deposit Insurance Corporation (FDIC), any other agency of the United States, First Liberty National Bank, or FLNB Insurance Agency, Inc. In the case of an insurance product or annuity that involves an investment risk, there is investment risk associated with the product, including the possible loss of value.