STANDARD OF PERFORMANCE AND WHAT TO EXPECT FROM
YOUR CORPORATE TRUSTEE

·  Significant level of experience of Trust Company employees.

·  Compliance with Statutory requirements of State law.

·  Investment research resources of quality and performance.

·  Seek independent trust company to avoid conflicts of interest.

·  Seek objectivity in the investment selection process which
is absent in the brokerage industry i.e. use of mutual funds
with heavy load charges and high brokerage fees.

·  Seek the oversight of the bank regulators, which all trust
companies must adhere to. Compliance with Uniform Trust
code and the Statutory Trust Code in the state of Indiana.

·  High personalized levels of service. Work with an
administrator who knows you and your business and build a
long-term relationship.

·  Harbour Trust adheres to the Code of Ethics and Standards
of Professional Conduct as published by the Association of
Investment Management & Research.

·  Proper tax planning which easily falls through the cracks,
without the coordination of a corporate trustee.