Citizens Bank and Trust Company  

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Your plan deserves a personal touch. This platform's Service Advantages
include but are not limited to:

► An assigned Consultant

► Plan Sponsor website access

► Participant website access

► Personalized support

► Timely and understandable reports


Qualified Consultants assigned to design the perfect plan for your business.

Design options include:

► Basic

► Integrated

► Safe Harbor

► Cross Tested

► More complex options are also available


Qualified Adminstrators assigned to ensure that your plan remains in compliance with all applicable legal statutes. Compliance services include but are not limited to:

► Plan Document creation and maintenance

► Annual required testing

► Form 5500 series creation and filing

► Late deferral calculations

► Regulation updates


Build efficiencies through the following Trading Advantages:

► Daily processing

► Electronic contribution import and ACH deduction

► Complete distribution and loan processes

► Form 1099R and 945 processing


An Investment Coordinator responsible for participant investment education that is available on both a plan level and participant level is just one advantage of this platform. Other Investment Advantages include:

► Professional investment management

► Model portfolios

► Cooperative Trustee liability

► Institutional share class funds


Employee Benefits Division
105 North Main Street
PO Box 800
Maryville, MO 64468
(800) 399-3023

© 2013 Citizens Bank and Trust Company. All Rights Reserved.
Citizens Bank & Trust Wealth Management Services are-
• Not FDIC insured • May go down in value • Not Financial Institution guaranteed
• Not a deposit • Not insured by any government agency
Please read our privacy statement .