Documents in Portable Document Format (PDF) require to view, download Adobe® Acrobat Reader. HOME CONTACT US LOCATIONS & HOURS INVESTOR RELATIONS SEARCH LOGIN Southern Michigan Bank & Trust Your Life Your Business Wealth Management Active Investment Management You assign us discretion to manage the investments within your accounts. We work with you to arrive at an appropriate asset allocation. We focus on diversifying portfolios. We invest using a variety of options (stocks, bonds, mutual funds, ETFs, alternatives and others). We monitor the account and investments to ensure that they are meeting your goals and expectations. Types of accounts Taxable (agency accounts) IRA Roth IRA SIMPLE IRA Municipality Foundation Endowment 401(k) Tax Management Awareness of short-term and long-term capital gains. Analyze appropriateness of taxable vs. tax-free income. Employ tax swaps and tax loss harvesting when appropriate. Custody Capacity Hold assets for safekeeping, but do not manage the assets. Southern is proud to partner with FCI Advisors, an independent RIA that assists us with our economic research, asset allocation framework, and investment selection and monitoring. Our partnership with FCI expands our investment expertise to a team of more than 30 investment professionals while continuing our commitment to locally-based control and service. Furthermore, we have an internal Investment Committee that meets on a monthly basis to review the research and recommendations that FCI Advisors to ensure they will benefit our clients’ portfolios. FCI Advisors SEC Registered Investment Advisory Firm $9.5 billion in assets under management (1/31/20) 62 Employees including 30 experienced Investment Professionals 23 Portfolio Managers 16 CFAs 17 MBAs 4 CFPs Products provided by Southern Michigan Bank & Trust’s Wealth Management department are not FDIC insured. They may lose value and there is no bank guarantee. Banking products are provided by Southern Michigan Bank & Trust. Member FDIC. Consult your legal and/or tax advisors before making any financial decisions. OUR HISTORY Started in Coldwater From 1872 to today, check out our timeline to see what we have been up to. OUR HISTORY Back to Top SMB&T 51 W Pearl St Coldwater, MI 49036 (800) 379-7628 About SMB&T Contact Us Locations/Hours Investor Relations Careers Privacy Policy Disclosures Facebook Verified: Nov 24, 2021 ©2021 Southern Michigan Bank & Trust Created by Profitstars® READ MORE ON OUR ACCESSIBILITY STATEMENT

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