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Personal Fund Management Arrangements

A trust agreement between LANDBANK Trust Banking Group and the trustor or grantor during the lifetime of the trustor, with the purpose of providing for the financial need of the trustor and his/her designated beneficiaries.

Personal Management Trust

A type of arrangement that is ideal for those who wish to preserve or earn from their assets to answer for the current needs or the future use of the client/trustor or his beneficiaries. A PMT is created during the lifetime of the client for a specific purpose and becomes operational as soon as the agreement is accomplished. The PMT agreement contains the specific purpose/s for which the account was established consistent with the general purpose of the PMT. Under this arrangement, assets of the client are transferred to a Trustee (LBP-TBG) for management. A PMT may either be a revocable or irrevocable trust. A revocable trust is a type of trust wherein the owner of the trust (client) can change the terms of the account such as the beneficiaries and the stipulations after it has been created. On the other hand, an irrevocable trust cannot be modified after it has been created. Distribution of assets to the client/trustor or nominated third-party beneficiary/ies may be released on a staggered or lump sum basis according to the client’s wishes. It is good to note that under this arrangement, a client/trustor may or may not nominate third-party beneficiary/ies.


Personal Retirement Trust Account

A PRTA is an agreement established between a client (trustor) and LANDBANK Trust Banking Group (TBG) with the purpose of providing for the retirement needs of the trustor upon his retirement or his designated beneficiaries upon the trustor’s death.


Living Insurance Trust

A trust arrangement wherein the Trustee is appointed to manage and disburse the proceeds of the assigned life insurance policy of the Trustor for the best interest and in behalf of the designated Beneficiary/ies.


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