Investment Services for Businesses

VNB/FSNH: The advantages of a trust specialty and
The advantages of working with a bank.

Why Turn to VNB/FSNH Trust Department for Investment Services?

Because we are more than just money managers. We are experienced in managing over $400 million in assets for corporations.

We make full use of the counsel of a carefully selected group of investment advisors (including equity research analysts, brokers, investment counselors, and the Value Line survey). We actively seek out investment opportunities that will satisfy our clients' financial objectives.

But equally importantly we know and respect the unique financial aspirations of each of our business clients. And we do that so successfully that many of our clients remain with the Trust Department for years.

Why Turn to a Bank for Investment Management?

A bank offers trust and investment accounts a continuity that no individual money manager can duplicate. Unlike independent investment managers, Vermont National Bank cannot die or become disabled. And even in the extremely unlikely event of a bank failure, Federal bank regulations insure that the assets of individual trusts and investment accounts remain protected and are separate from Bank assets.

A bank can do all of the chores you cannot or would rather not do. We are well-equipped for the routine record-keeping and reporting and for the deadline-watching required of investment managers. These are tasks that individual investors and non-corporate trustees typically find cumbersome, daunting, and expensive to accomplish. And as dreadfully unexciting as some of these tasks may be -- tasks like depositing dividend checks and clipping coupons -- small mistakes can be expensive. The government penalizes managers and trustees that fail to file reports in a timely manner. And millions of dollars are lost each year because individual trustees and small investors don't pay close enough attention to take advantage of difficult-to-remember conversion privileges.

A bank can bring to any trust or investment account "real world accountability." We are audited both externally and internally on an annual basis. We carry Errors & Omissions insurance against the very unlikely event that we would fail in our ethical or fiduciary duties. Errors & Omissions insurance is prohibitively expensive for most individuals serving as trustees or investment managers.

Vermont National Bank is the oldest bank in Vermont and with the Vermont Federal merger it will become the largest. We have a stellar reputation for innovative products that serve our local communities. We can structure an individual investment management plan that leaves as much or as little of the day-to-day decision-making in your hands as you like.

Interested? Have questions? You can drop by one of our offices, call us at 1-800-334-6862, or contact us by e-mail.