shareholder returns, and remain loyal to your bank. Finally,
you can improve benefits for your key executives without adversely affecting the benefits of other employees.

How Employees Can Benefit

Their retirement benefits can be linked to the perceived
value of their contribution to the bank, though their non-
qualified retirement benefits are not limited to the com-
pensation caps present under qualified plans and Social
Security. Also, their retirement benefits can be protected
in the event of a hostile take-over or other undesirable
event (except for the bank’s insolvency).

Product

A retirement plan providing top executives with increased
benefits that truly reflect their status and value

Objective

Help attract, retain and reward these highly valued execu-
tives by offering increased benefits

How it Works

SERP offers benefits in addition to what is permitted under qualified retirement plans or Social Security rules. These
plans also provide executives with significant tax advantages.

How the Bank Can Profit

You gain a competitive edge in attracting and keeping top executives. You can structure the SERP to provide incen-
tives for executives to turn in top performances, improve