Alpha Bank & Trust provides Corporate Escrow Services where two or more parties require an independent third party to satisfactorily complete certain aspects of a business transaction. Typically, we will hold assets until the conditions set forth in the governing escrow agreement have been satisfied. The assets are then released in such a manner as the escrow agreement directs.

The Alpha Bank & Wealth Management Team will work with you to develop a strategy to help your business provide for its employees and to possibly enjoy tax benefits. Not only will we create and administer a retirement benefits package, but we will invest according to your company's goals.

Alpha Bank & Trust will act as a qualified intermediary for clients seeking to defer capital gain taxes on the exchange of business/investment property.

The Elite Manager™ Program, offered by Alpha Bank & Trust through Reliance Trust Company, is a separate account platform providing access to a carefully selected list of successful institutional level investment managers. These experienced managers have been screened by a team of Reliance Trust Company's professional analysts using a thorough due diligence process. Each manager provides a specialized investment strategy, allowing Alpha Bank & Trust to build a customized portfolio of managers and investments for each client's specific circumstances.

The investment process involves assessing the broad goals of the portfolio, level of investable assets, risk tolerance and cash flow requirements over time. With the knowledge of the client's individual situation and the understanding of the investment styles of each manager, Alpha Bank & Trust will create an appropriate asset allocation mix and build a diversified portfolio of select managers most capable of achieving the defined objectives and strategy. The end goal is to maximize returns and minimize risks with the cost and tax advantages desired in a professionally managed separate account program.

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Advantages of the Elite Manager™ Program

There are several advantages to participating in the Elite Manager™ Program.

Customization

Alpha Bank & Trust tailors each account based on the client's individual circumstances, allocating across both asset classes and managers with a total portfolio approach. Additionally, clients can request stock/sector restrictions based on existing concentrated holdings. The result is a portfolio which is well diversified and integrated with the client's broader financial plan.

Tax Efficiency

Alpha Bank & Trust places a premium on providing tax-efficient portfolio management, seeking to maximize after tax returns. The managers utilized in the program have been selected by Reliance Trust Company based on their investment strategy of having a low annual security turnover and a more manageable number of individual positions. The goal is to enhance overall net investment return and client satisfaction.

Portfolio Transparency

Clients are able to view their individual portfolio holdings. This enables clients to know what they own, their individual cost basis and the exact costs associated with managing their account.

Ongoing Due Diligence

The managers utilized in the Elite Manager™ Program are continually reviewed and reevaluated by Reliance Trust Company on a quarterly basis to ensure the program includes experienced and successful asset management talent. Managers are closely monitored, and their returns measured against their peer group and benchmarks. This ensures managers maintain their stated investment discipline.

Lower Minimum Accounts and Fees

Alpha Bank & Trust is able to leverage Reliance Trust Company's status as an institutional investor to gain access to institutional level managers at wholesale levels. This access allows us to offer lower minimum investments ($100,000 per single manager) and lower overall fees to clients. The benefit to clients is a much lower fee structure and access to higher quality institutional managers than they could find in other separate account management platforms.

Why Separate Account Management

The Elite Manager™ Program is designed to offer the level of service with the flexibility and customization clients require in today's investment environment. Alpha Bank & Trust offers a total solution by providing the money manager due diligence, investment research, trading, custody and operational support. This program provides clients with access to institutional level managers with institutional pricing, seeking to offer a higher overall level of client satisfaction. With the Elite Manager™ Program, Alpha Bank & Trust seeks to assure that the client's investment strategy will be aligned with their long-term investment goals, objectives and tolerance for risk.