Investment Agency

 An agency account is a service where the Bank provides management or advisory service as complete as the client requests. The property managed may be securities, real property (a house, rental buildings or a farm), or other property.

Where securities are managed, the Bank may conduct periodic reviews and analyses of the securities; make recommendations for keeping or selling present securities and purchasing new ones; providing advance notice of maturity of bonds or notes; preparing an annual information statement for income tax purposes and watching for advantageous opportunities related to the securities held. The amount of discretion exercised by the Bank varies with the relationship from full discretion (the Bank is free to buy, sell and exchange securities within the principal’s portfolio without the client’s consent) to simply making recommendations to the client about proposed investment changes.

*Investment products offered by South Valley Wealth Management or SVBT Trust services, are not a deposit, not FDIC-insured, not insured by any federal government agency, not guaranteed by the bank, and may go down in value.