Friends Club 1st Quarter 2020

HILLS BANK

Member FDIC

Quarter One 2020

BERKSHIRES & THE BOSTON POPS July 28 - August 3, 2020

WHAT'S HAPPENING?

4 BINGO PARTIES 5 LOCAL EVENTS 13 DAY TRIPS 16 PREVENTING ELDER FINANCIAL ABUSE

BERKSHIRES July 28-August 3

Fraud, forgery, and other scams targeting seniors are on the rise. Here are some red flags to watch for. 18 WHAT’S IT LIKE TO TRAVEL WITH FRIENDS CLUB? From relaxing river boat cruises with spectacular scenery to charming old towns with breathtaking architecture, hear what it's like to travel to Portugal in the words of members who journeyed there. 20 2020 TRIPS 21 EXTENDED TRAVEL Learn about some of the great trips that Friends Club will be taking this year! 30 LIFETIME GIFTS ARTICLE Hills Bank Wealth Managment gives an in-depth explanation about the Annual Gift Tax exclusion. 31 POLICIES & PROCEDURES

MYSTERY August 25-31

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Friends Club News

Produced in partnership with Star Destinations

We are very excited for a new year full of unique, inspiring, and educational events, day trips, and extended travel to offer you. We hope you find something of interest this quarter! Be sure to check out our 2020 trips with space remaining on page 20. Also, knowing many of you are anticipating the 2021 travel line-up, those trips will be announced and available for registration in the second quarter newsletter, which will be mailed the first week of April.

THE BOSTON POPS

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DOOR COUNTY

October 5-9

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NEWFOUNDLAND & LABRADOR

HOLIDAYS IN CHICAGO November 19-22

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August 9-20

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1st Quarter 2020

BINGO PARTIES January/February/March Birthdays in Kalona (120 5th St) Thursday, February 6, 8:00 a.m. Register with Alex Comer at 319-656-5816 or Alex_Comer@HillsBank.com. January/February/March Birthdays in Washington (2481 Hwy 92 E) Friday, February 14, 9:00 a.m. Register with Jaime Roberts at 319-863-7811 or Jaime_Roberts@HillsBank.com. January/February Birthdays in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, February 18, 1:30 p.m. (Doors open at 1:00 p.m.) Register by Friday, February 14, with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com. January/February/March Birthdays in North Liberty (590 W Forevergreen Rd) Thursday, March 19, 10:00 a.m. Register by Tuesday, March 17, with Sue Votroubek at 319-626-8760 or Sue_Votroubek@HillsBank.com.

March/April Birthdays in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, April 21, 1:30 p.m. (Doors open at 1:00 p.m.) Register by Friday, April 17, with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com.

Cedar Rapids (3905 Blairs Ferry Rd NE) All events start at 1:30 p.m. (Doors open at 1:00 p.m.)

Friday, January 17 Friday, March 20

Mount Vernon (720 1st Ave SE) All events start at 8:30 a.m. (Doors open at 8:15 a.m.) Friday, February 7 Friday, March 6 Marion (3204 7th Ave) Friday, February 21, 1:30 p.m. (Doors open at 1:00 p.m.) Friday, April 17, 9:00 a.m. (Doors open at 8:00 a.m.)

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Friends Club News

LOCAL EVENTS

Fraud and Scams Tips and Resources Hills Bank in Iowa City (2621 Muscatine Ave) Tuesday, January 29, 10:00-11:00 a.m.

Fraud and scams are ever-changing and anyone can be a victim. Join Chris Lewis, Information Security Officer at Hills Bank, for a conversation about common tactics used to defraud and scam, tips and resources to protect yourself, and how to respond if you become a victim of fraud. Register with a Friends Club representative at 319-679-2103 or Sheila_Wootonn@HillsBank.com.

Craft Corner with Chelsea – Glass Gem Magnets Hills Bank in Iowa City (1401 S Gilbert St) Thursday, January 30, 2:00 p.m.

Join Chelsea Marsengill, Friends Club Coordinator, as she shows us how to make glass gem magnets that are sure to “stick around” forever. Each participant will make a set of four magnets and are welcome to bring their own craft paper from home if there is a certain pattern or design they like. All craft supplies will be provided. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Rock Art Class DKW Gallery & Art Studio (840 7th Ave, Marion) Friday, January 31, 2:00 p.m.

Taking rocks and creating little pictures with them is a great way to stretch your imagination. To see a face or a tail in the shape of a rock is not only satisfying but also relaxing. You will have your choice of rocks supplied by our teacher Cindy. She will lead the class on how to create one of these little gems to call your own. Have fun conveying love or a memory with your rock art. Cost per person is $10 for members and $15 for non-members. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

For free events, registering commits you to the event. If you decide not to attend, please call 319-679-2103 or email FriendsClub@HillsBank.com so we can offer your spot to another member.

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Local Events (continued)

Will You Be Able to Escape? GoFree Iowa Escape Rooms (208 Collins Rd NE STE 206, Cedar Rapids) Friday, January 31, 6:15-7:30 p.m.

Let your imagination take over when you join us for the exciting, interactive experience of an escape room! We will break into an underground casino, tie up the dealer, and have 60 minutes to raid the casino floor and escape with as much money as we can! We’ll use judgement, reasoning, and teamwork to find our way through puzzles, codes, and clues to ultimately solve the room and escape. Cost per person is $15 for members and $23 for non-members. Space is limited. Register with a Friends Club Representative at 319-679-2103 or Crystal_Stick@HillsBank.com.

Card Making with Gems of Hope Hills Bank in Cedar Rapids (3905 Blairs Ferry Rd NE) Wednesday, February 5, 3:00-4:00 p.m. Gems of Hope Inc. is a nonprofit organization that brings hope to cancer patients and their families through handcrafted inspirational gifts. Each card created can bring hope and inspiration to patients fighting their battle as cards are accompanied by an encouraging quote and a small gift known as a “gem.” Join us in supporting the efforts of the Gems of Hope organization by participating in this workshop. A small take home kit will be given to each participant for personal card making. Register with Tressa Ohrt at 319-654-8104 or Tressa_Ohrt@HillsBank.com.

Decorating Cupcakes with “Auntie M” Hills Bank in Iowa City (2621 Muscatine Ave) Tuesday, February 11, 10:00 a.m.

Just in time for Valentine’s Day, join us for a cupcake decorating party! Mary Ann Schlabaugh-Gaffey from Auntie M’s Sweet Delights will be showing us some basic tips on frosting cupcakes. Each participant will get to try their hand at basic piping techniques, including how to create rosettes, swirls, and ruffles. Afterward we will relax while enjoying a cupcake and a cup of coffee or tea. Participants will also get to take six finished cupcakes home to enjoy. Register with a Friends Club representative at 319-679-2103 or Sheila_Wootonn@HillsBank.com.

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Friends Club News

Valentine’s Day Bingo in Mt Vernon Hills Bank in Mount Vernon (720 1st Ave SE) Wednesday, February 12, 1:30 p.m.

Escape the cold weather and join us for a fun afternoon of Bingo with friends! We will play traditional and specialty Bingo games, with a few surprises sprinkled in. Light refreshments will be served. Register by Friday, February 7, with a Friends Club representative at 319-679-2103 or Terri_Sutton@HillsBank.com.

Valentine’s Day Bingo in Coralville Hills Bank in Coralville (1009 2nd St) Thursday, February 13, 1:00 p.m.

Love is in the air! Bring your sweetheart or just treat yourself to an afternoon of Valentine’s Bingo! We’ll have refreshments and plenty of chances to win our themed prizes. We hope to see you there! Register with a Friends Club Representative at 319-679-2103 or FriendsClub@HillsBank.com.

Dubai Travelogue with Host Roger Reilly Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, February 25, 10:00 a.m.

Hear about and view photos from the 2019 Friends Club trip to Dubai from host Roger Reilly. Dressed in riches and home to some of the wealthiest countries in the world, learn about the ins and outs of the United Arab Emirates. Experience Dubai’s stark contrast of modern achievements with skyscrapers and construction at every turn and see photos of splendor and beauty with the impressive museums with Islamic culture, artwork, and the bustling souks selling spices, gold, textiles, and much more. Learn about the camel markets and oases in Abu Dhabi, as well as a falcon hospital and the Louvre of Abu Dhabi. Roger didn’t leave without taking part in a camel ride and some dune-bashing and has photos to prove it! Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Fraud and Scams Information with Local Resources Hills Bank in Kalona (120 5th St) Wednesday, February 26, 2:00-4:00 p.m.

Join us for a free, information-packed fraud and scams seminar presented by Chris Lewis, Hills Bank Information Security Officer; Jared Schneider, Washington County Sheriff; and Casey Peck, Kalona Cooperative Technology Company CEO. Learn how to protect yourself from attempts by scam artists and what to do if you think you have been scammed. Hear stories about recent schemes and red flags to protect you and your loved ones. Register with Alex Comer at 319-656-5816 or Alex_Comer@HillsBank.com.

For free events, registering commits you to the event. If you decide not to attend, please call 319-679-2103 or email FriendsClub@HillsBank.com so we can offer your spot to another member.

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Local Events (continued)

Origami: A Beginner’s Lesson Hills Bank in North Liberty (590 W Forevergreen Rd) Thursday, February 27, 2:00 p.m.

Join Amanda Lensing, Senior Living Communities Program Coordinator at the University of Iowa Stanley Museum of Art, as she discusses the origins of the Japanese art of paper folding and instructs how to make a few simple designs. This will be a beginner’s class, with instructions on how to make a fox, dog, pig, heart, fish, and sailboat. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Historical Downtown Iowa City Buildings Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, March 10, 1:00 p.m.

Tom Schulein, a retired professor at the University of Iowa, will join us to discuss how some of the older buildings in downtown Iowa City succumbed to urban renewal in the 1970s. Others have been lost to fire and other periods of demolition. However, a number of these historical structures remain, and many of them have been repurposed and are still in use. Tom will tell the stories of 19 historic buildings within a defined area of downtown Iowa City, emphasizing their original purposes and weaving in local and national events during their eras of construction to give us some historical perspective. Register with a Friends Club representative at 319-679-2103 or Dawn_Lyons@HillsBank.com.

Right on the Nail Spa Day Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, March 10, 4:00 p.m.

Come join us for a fun afternoon of pampering yourself with a self-manicure. These self-application nail polish strips will last up to 10 days, and will leave your nails looking salon-perfect for spring break! There is no dry time, so you can dig right in to our snacks, sit back, relax, and enjoy good conversation and a glass of wine. Participants will select their nail style prior to the event by choosing from a menu of choices, which will be mailed to you once you register for the event. Cost per person will be $6-$9 for members and $11-$14 for non-members, depending on your nail polish strip selection. Register with a Friends Club representative at 319-679-2103 or Deb_Schaffer@HillsBank.com.

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Friends Club News

St Patrick’s Day Bingo in Hills Hills Bank in Hills (131 E Main St) Tuesday, March 17, 2:00-4:00 p.m.

Bring your luck with you and join us for an afternoon of St. Patrick’s Day themed Bingo with cash prizes! Space is limited. Register with Kelsey Redlinger at 319-679-2128 or Kelsey_Redlinger@HillsBank.com.

Join Our Parade! Hills Bank in North Liberty (590 W Forevergreen Rd) Thursday, March 26, 2:00 p.m.

Join us for a special presentation by David Pittman, artist, designer, executive, and media spokesperson for parades of all kinds. We will enjoy his PowerPoint presentation and hear about his experiences with the Orange Bowl Parade, Tournament of Roses Parade, and the annual Thanksgiving Parade in Detroit. Light refreshments will be served. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Home Safety with the Cedar Rapids Fire and Police Departments Hills Bank in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, March 31, 4:00-5:00 p.m.

Throughout the course of homeownership – whether you’ve lived in your home for years or are a new resident – being aware of your home’s safety and the well-being of your surrounding neighborhood is a top priority. Revisiting safety and preventative practices is especially important as your home ages or your neighborhood develops. The Cedar Rapids Fire and Police departments are partnering together to bring awareness on two risks affecting homeowners: fire and burglary. Together, the CRFD and the CRPD will address scenarios like when to call 911 or use the non-emergency number, as well as strategies for preventing fire and deterring unwelcome visitors and using resources in your community to maintain safe homes and neighborhoods. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

For free events, registering commits you to the event. If you decide not to attend, please call 319-679-2103 or email FriendsClub@HillsBank.com so we can offer your spot to another member.

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1st Quarter 2020

Local Events (continued)

Barnyard Days Saturday, March 21, 9:00-11:00 a.m.

Hills Bank in Coralville (1009 2nd St)

Saturday, March 28, 9:00-11:00 a.m.

Hills Bank in Mt Vernon (720 1st Ave SE), Hills Bank in Cedar Rapids (3905 Blairs Ferry Rd NE), Hills Bank in Marion (3204 7th Ave), Hills Bank in North Liberty (590 W Forevergreen Rd)

Saturday, April 4, 9:00-11:00 a.m.

Hills Bank in Washington (2481 Hwy 92 E). Calling all animal lovers! Attend the annual Barnyard Days event to see many “barnyard” animals and maybe even pet a few. Bring your grandchildren! This event is fun for people of all ages. No registration necessary. NOTE: Hills Bank in North Liberty will only have baby chicks to view.

America’s Favorite Pastime Trivia with Dr. Ernie Found and Doris Montag Hills Bank in North Liberty (590 W Forevergreen Rd) Wednesday, April 1, 2:00 p.m. Dr. Ernie Found and Doris Montag have teamed up again to celebrate the beginning of the baseball season with a kind-hearted trivia match between 2 opposing teams, likely rivals; likely both starting with the letter “C.” In the nature of television’s Family Feud, 2 captains and their teams of 3 baseball trivia aficionados will test their knowledge and wit. Participants from the audience can sign up to rotate into a team. Specific rules will be umpired. Everyone come wearing your team’s colors and bring the high expectations that the beginning of the baseball season necessitates. Come be a part of the game or witness all the fun! Register with a Friends Club Representative at 319-679-2103 or Allison_Bates@HillsBank.com.

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Friends Club News

Card Making with Gems of Hope Hills Bank in Iowa City (2621 Muscatine Ave) Thursday, April 9, 10:00 a.m.

Gems of Hope Inc. is a nonprofit organization that brings hope to corridor cancer patients and their families through handcrafted inspirational gifts. Each card created can bring hope and inspiration to patients fighting their battle as cards are accompanied by an encouraging quote and a small gift known as a “gem.” Join us in supporting the efforts of the Gems of Hope organization by participating in this workshop. Register with a Friends Club representative at 319-679-2103 or Sheila_Wootonn@HillsBank.com.

2021 TRAVEL SHOWCASE South Slope Community Center (980 N Front St, North Liberty) Thursday, April 16, 4:30 p.m.

Join us to hear a brief summary of each 2021 trip destination with pictures and attractions from our long-time travel operator, Star Destinations. Space is limited. Light appetizers will be provided. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Please note: 2021 trips will not be announced or available for registration until the second quarter newsletter, which will be mailed the first week of April.

Container Gardening Reha Greenhouses (1160 Hwy 22, Wellman)

Monday, April 20, 10:00 a.m. or Tuesday, April 21, 10:00 a.m. Marianne Reha-Van Roekel will demonstrate how to create the perfect container garden while sharing other helpful gardening tips. Cost per person is $26 (payable at the event), which covers all the supplies needed to make your own 12-inch planter. Planters will be taken home at the end of the class. Space is limited. Register for one of the classes with Jo Edgington at 319-646-4012 or Jo_Edgington@HillsBank.com.

For free events, registering commits you to the event. If you decide not to attend, please call 319-679-2103 or email FriendsClub@HillsBank.com so we can offer your spot to another member.

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1st Quarter 2020

Local Events (continued)

Flower Arranging with Willow & Stock Hills Bank in North Liberty (590 W Forevergreen Rd) Tuesday, April 21, 10:00 a.m.

Angela Barnett, from Iowa City’s local floral shop Willow & Stock, will be joining us to share tips and tricks in creating a beautiful flower arrangement. Angela will guide the class step-by-step and stem-by-stem to create an arrangement of flowers which are all found locally. At the end of the class your freshly arranged creation in a mason jar is yours to take home. Cost per person is $20 for members and $30 for non-members, and includes all supplies needed for the class. Register by Tuesday, April 14, with Sue Votroubek at 319-626-8760 or Sue_Votroubek@HillsBank.com.

Wine Tasting with WineStyles Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, April 21, 6:00 p.m.

Jeff McGinnes, manager of WineStyles in Coralville, will lead a sampling of several different types of wine. The original idea of WineStyles came from the belief that great wines don’t have to be expensive. WineStyles offers hundreds of wines and craft beers that have been sorted by style and taste, so everyone is sure to find something they like. Light refreshments will be provided to complement the wine samples. Cost per person is $5 for members and $10 for non-members. Register with a Friends Club representative at 319-679-2103 or Dawn_Lyons@HillsBank.com.

Nighttime Tour at the Eastern Iowa Observatory The Eastern Iowa Observatory and Learning Center (1365 Ivanhoe Rd, Ely) Monday, April 27, 8:00-9:30 p.m.

The Cedar Amateur Astronomers (CAA) invite you to bring your curiosity and enthusiasm to Iowa’s premier astronomy site. The Eastern Iowa Observatory and Learning Center houses two large observatory domes and the Boller & Chivens telescope—a two ton, nine-foot long telescope – in addition to many exhibits. Members of the CAA will lead a tour through the observatory’s exhibits, and, if weather and sky conditions permit, viewing through telescopes. Please note that stairs are required to approach the Boller & Chivens telescope. Parking is available on site. Register with a Friends Club representative at 319-679-2103 or Meg_Sinnott@HillsBank.com.

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Friends Club News

DAY TRIPS Please see parking, payment, and additional club policies on page 31.

Chicago Flower & Garden Show Navy Pier, Chicago, Thursday, March 19

Join us for a beautiful day full of flowers and gardens at the Navy Pier exhibit hall in Chicago. Our early departure will lead us to life-sized gardens, how-to workshops, and cutting-edge food demonstrations. There will be plenty of room under the coach for your purchases. Cost per person is $130 and includes motorcoach transportation, entrance to the show, and all taxes and gratuities. Lunch will be on your own at Navy Pier. Register with Chelsea Marsengill at 319-358-2215 or FriendsClub@HillsBank.com.

My Fair Lady Des Moines Civic Center, Saturday, March 21

From Lincoln Center Theater comes “a sumptuous new production of the most perfect musical of all time” (Entertainment Weekly), Lerner & Loewe’s My Fair Lady . Boasting such classic songs as “I Could Have Danced All Night,” “The Rain in Spain,” and “Wouldn’t It Be Loverly,” My Fair Lady tells the story of Eliza Doolittle, a young Cockney flower seller, and Henry Higgins, a linguistics professor who is determined to transform her into his idea of a “proper lady.” But who is really being transformed? Cost per person is $199 and includes motorcoach transportation, matinee show, meal, and taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Beautiful: The Carole King Musical Hancher Auditorium, 141 East Park Rd, Iowa City, Saturday, April 4, 6:30 p.m.

Experience the inspiring true story of King’s remarkable rise to stardom, from being part of a hit songwriting team with her husband Gerry Goffin, to her relationship with fellow writers and best friends Cynthia Weil and Barry Mann, to becoming one of the most successful solo acts in popular music history. Along the way, she made more than beautiful music; she wrote the soundtrack to a generation. Featuring a stunning array of beloved songs written by Gerry Goffin/Carole King and Barry Mann/Cynthia Weil, including “I Feel The Earth Move,” “One Fine Day,” “(You Make Me Feel Like) A Natural Woman,” “You’ve Got A Friend,” and the title song. Beautiful has many accreditations, including a book by Tony® Award-nominee and Academy® Award-nominated writer Douglas McGrath, direction by Marc Bruni, choreography by Josh Prince, and a winner of two 2014 Tony® Awards and a 2015 Grammy® Award. The discounted group ticket price is $82 per person for Parterre Zone One seating. To place your ticket order, contact Chelsea Marsengill at 319-358-2215 or FriendsClub@HillsBank.com.

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1st Quarter 2020

Day Trips (continued)

Boston Pops on Tour Hancher Auditorium, 141 East Park Rd, Iowa City , Tuesday, April 7, 7:30 p.m.

Winner of an astonishing five Oscars and twenty-two Grammys, John Williams may well be the greatest film composer of all time. His scores for Star Wars, Schindler’s List, Harry Potter, E.T. (The Extraterrestrial), Jurassic Park, the Indiana Jones films, and many more have made him a household name. Under the baton of Keith Lockhart, the Boston Pops celebrates a nearly forty- year association with Williams in an evening featuring excerpts from his best-loved scores – as well as some lesser-known gems. The price is $86 per person for Lower Balcony Right seating. To place your ticket order, contact Chelsea Marsengill at 319-358-2215 or FriendsClub@HillsBank.com.

Saturday Night Fever Circa ’21 Dinner Playhouse, Rock Island, IL, Wednesday, April 15

Tony Manero lives for the weekends when he and his friends go to the local disco and dance the night away. When a big dance competition is announced, he wrangles the beautiful and talented Stephanie to be his partner. As the two practice for the big night, they start to fall for each other as well. Based on the 1977 movie phenomenon that launched the disco era and made John Travolta a household name, Saturday Night Fever features hit songs from the Bee Gees, such as “Stayin’ Alive,” “Disco Inferno,” and “How Deep Is Your Love,” and is one of the most successful movie sound tracks of all time, winning a 1979 Grammy for Album of the Year and staying on U.S. album chart until March 1980. The stage musical includes almost all of the songs from the original movie soundtrack, and the high- octane energy will bring you back to the time when disco was king! Cost per person is $85 and includes motorcoach transportation, matinee show, meal, and taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Jumer’s Casino Jumer’s Casino, Rock Island, IL, Wednesday, April 29

Try your luck with “the best gaming in Rock Island!” With over 42,000 square feet of gaming, everyone has a chance to win. Try your hand at one of the 18 table games or, if slots are more your preference, the nearly 1,000 slot machines available will be sure to entertain. Cost per person is $45 and includes motorcoach transportation, $10 free play, a buffet lunch, and all taxes and gratuities. Register with Chelsea Marsengill at 319-358-2215 or FriendsClub@HillsBank.com.

Riverdance Des Moines Civic Center, Saturday, May 2

For twenty-five years, Riverdance has engaged audiences as a theatrical show with traditional Irish music and dance. Renowned composer Bill Whelan brings this mesmerizing soundtrack back to life, completely revitalized for the first time since those original orchestral recordings. Producer Moya Doherty and Director John McColgan have produced an amazing new 25th Anniversary production with innovative and spectacular lighting, projection, staging, and costume design, and an all-new finale number which will blow audiences away. Cost per person is $175 and includes motorcoach transportation, matinee show, meal, and taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

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Friends Club News

The Lettermen Circa ’21 Dinner Playhouse, Rock Island, IL, Monday, May 11

For nearly 60 years, The Lettermen have been entertaining audiences throughout the country. These long-time favorites with Quad City audiences will be returning to Circa ‘21 for the 36th consecutive year! To their credit, The Lettermen have over 50 albums—nine certified gold as well as myriad hits including: “When I Fall In Love,” “Put Your Head On My Shoulder,” “Goin’ Out Of My Head,” “Can’t Take My Eyes Off Of You,” “Hurt So Bad,” and “Shangri-La.” The Lettermen are truly universal entertainers whose music speaks louder than words. Cost per person is $90 and includes motorcoach transportation, matinee show, meal, and taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com. A Day in Decorah Wednesday, May 27 Get ready to explore Decorah, an Iowa city known for its natural beauty, rich Norwegian heritage, and up-and-coming art scene! Our day begins at the Vesterheim Norwegian-American Museum and Heritage Center to explore the stories of Norwegian immigrants through the collection of thousands of artifacts. See a cabin made from a single tree, elaborate costumes, colorful paintings, and other hand-crafted items of Norwegian heritage before we venture to Winneshiek Wildberry Winery. Here, we will enjoy a private lunch, wine tasting, and tour of the vineyard (subject to weather). Then we are off to Seed Saver’s Exchange. This non-profit was started in 1975 on the idea that a network of gardeners could preserve food biodiversity through the exchange of seeds around the world. Today, the seeds of thousands of plant varieties are collected, stored, and regenerated at the Decorah headquarters. With a greater appreciation for this group’s work, we will depart for home with a stop at the Bily Clocks Museum in Spillville to admire the elaborate, hand-carved clocks depicting important moments in history, religion, or culture. Cost per person is $145 and includes motorcoach transportation, lunch, admission to all activities, and taxes and gratuities. Register with Meg Sinnott at 319-358-2278 or FriendsClub@HillsBank.com. This Broadway sensation looks at what happened in the Land of Oz but from a different angle. Long before Dorothy arrives, there is another young woman, born with emerald-green skin— smart, fiery, misunderstood, and possessing an extraordinary talent. When she meets a bubbly blonde who is exceptionally popular, their initial rivalry turns into the unlikeliest of friendships, until the world decides to call one “good” and the other one “wicked.” From the first electrifying note to the final breathtaking moment, Wicked – the untold true story of the Witches of Oz – transfixes audiences with its wildly inventive story that USA Today cheers is “a complete triumph! An original musical that will make you laugh, cry, and think.” Cost per person is $199 and includes motorcoach transportation, matinee show, meal, and taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com. Wicked Des Moines Civic Center, Thursday, June 18

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PREVENTING ELDER FINANCIAL ABUSE: RED FLAGS TOWATCH FOR

Seeing your parents, grandparents, and other relatives grow old can be bittersweet. Though there are many joys in getting to one’s golden years, there are also a number of new areas of concern that responsible caretakers and relatives should be aware of, including elder financial abuse . Elder financial abuse (also called financial exploitation) is any fraud or otherwise illegal or improper activity that uses the assets, belongings, benefits, or resources of an older person for financial gain. Unfortunately, this abuse is often perpetrated by the people responsible for a senior’s care, including their children and other caregivers. As a caregiver, loved one of an elder, or a future patient, here are some types and examples of financial abuse and fraud to be aware of – and some red flags to watch out for. Examples of elder financial abuse There are a number of different scams and tactics used to financially exploit elderly people, including: • Coercion: Forcing the elder to sign away their rights or possessions, often using emotional manipulation – like promising to help or provide care only if they comply • Forgery: Faking the elder’s signature on a check or other document, such as a will, deed, or power of attorney • Fraud: Wrongful or criminal deception. Fraud targeted toward the elderly often uses deceiving language, exaggerated claims, or scare tactics to convince them that they need a particular service or product. • Theft: Stealing money from an elderly person, charging purchases to them without their permission, and even stealing their identity Fraud, scam, and illegitimate offers Here are a few examples of common scams, fraud, and other illegitimate products and solicitations targeting seniors: • Fake investment, insurance, or charitable giving offers • Impersonating an agent from well-known organizations, such as the IRS or AARP • Pharmaceutical/health/diet products that are unreasonably expensive and/or don’t work

• Lottery or sweepstakes “winnings” that come out of the blue • Tech support for real or made-up computer or smartphone issues

Though the examples above are not always fraudulent, it’s important to be aware of typical approaches these scammers use so you can better protect those who are most at risk of being victimized: over half of fraud victims in the U.S. are individuals over 50, according to the AARP.

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Friends Club News

Red flags for elder financial abuse Hills Bank has measures in place to try and detect fraudulent activity. There are also steps you can take to better protect the senior(s) in your life. If you’re responsible for the care of an elder, or even are just visiting an elderly loved one, you can make him or her aware of the different ways scammers and other unscrupulous people may try to take advantage of them. Knowledge is the best form of protection! With the elder’s permission, you can also keep an eye on their finances. You can see all the transactions on a Hills Bank account through our online banking interface or through our mobile banking app on iOS or Android devices. Here are a few financial red flags that may be signs of elder abuse: • Frequent large, unexplained withdrawals • Sudden overdraft or non-sufficient funds alerts • Overdue notices from bills or services, which may indicate a loss of funds or access to funds • Closing or opening accounts without regard to penalties or services • Uncharacteristic attempts to wire large sums of money If a senior in your life has another caregiver you interact with, there are also some behavioral red flags to consider: • A caregiver or other individual shows excessive interest in the elder’s finances or assets, does not allow the elder to speak for him/herself, or is reluctant to leave the elder’s side during conversations • The elder shows an unusual degree of fear or submissiveness towards a caregiver, or expresses a fear of eviction or nursing home placement if money is not given to the caregiver • You are unable to speak directly with the elder, despite repeated attempts to contact him or her

In general, you should watch for a sudden change in an elder’s financial situation or accounts, as well as changes in their outlook or behavior. Unexplained withdrawal from normal activities, a change in alertness, unusual depression, and other signs of emotional stress could mean that he or she is experiencing elder abuse – whether related to their finances or otherwise.

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WHAT'S IT LIKE TO TRAVE We asked a group of Friends Club travelers who recently toured Portugal by river boat what they thought of their time exploring the Douro River Valley, cities like Lisbon, and a variety of other locales.

What is something interesting you saw or learned about on the trip? Pat S: Learning about how they make wine in the Douro Valley was very interesting. The river is surrounded by these terraces which were set up many years before there were machines that could harvest the grapes, so they aren’t wide enough for anything but hand-picking. They hire local women to do the harvesting, and men to carry the grapes down and stomp them to make the wine.

Nancy S: I loved the country and was surprised at all of the things that grew there, like cork trees and olive trees and kiwi plants. It seemed like we got to see something new and do something different every day. Ron S: They have to hire hundreds if not thousands of people just for two or three weeks of work. It’s one thing to look at a picture of those terraces – but it’s quite another to see them in person. It’s amazing to see. What was your favorite memory or moment on the trip?

June H: On the last night on the boat, they took us past where we were supposed to dock right out into the ocean. We just drifted out from where the land ends into the open water, and the sun was setting, and it was just so cool. Jeff K: For me it was all the people who worked on the boat, they were so well prepared and friendly. Kay K: The whole trip was very relaxing. Some days I just stayed on the ship and slept in and cruised along the river. Pat S: Some of the towns in Portugal are just as charming as can be. I love walking around the little towns and seeing the people, sitting at an outdoor table and watching life go by. That’s my favorite thing anywhere.

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Friends Club News

WITH FRIENDS CLUB? What’s the best part about traveling with Friends Club? Marcia J: It’s impeccably planned, there’s nothing to do other than pack your bag and make sure it’s outside your door when they tell you. Pat S: You know what to expect, and you have the opportunity to do what you want. You can sleep in and not go on a day trip. I just felt at home, not pressured to do anything. Nancy S: They’re constantly communicating with us, we’re always updated on what’s going on. This trip was the best money I’ve ever spent. Fran G: There is the comfort in knowing that even in adversity everything will be taken care of. You don’t have to worry about where the next meal is going to be, or having to pay tips. And you stop in these really unusual and unique places sometimes. Hills Bank does such a nice job. Audrey K: Everything’s just taken care of. Jeff K: You know some of the people you’re traveling with and you meet plenty of new people. It’s easy to make new friends. Mary Ann S: With Hills Bank it’s all inclusive. June H: The trips are very well planned and they go above and beyond, they always get us a gift or something extra to take back. Kay K: The money that you pay at the beginning covers almost everything, and we’re always so well taken care of. I’m as serious as I can be when I say Friends Club is the greatest way to travel!

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2020 TRIPS View a detailed brochure of each trip at www.hillsbank.com/friends-club-calendar or contact us at 319-358-2230 or FriendsClub@HillsBank.com. Nashville & Smoky Mountains | June 10-16, 2020 (waiting list) Berkshires & the Boston Pops | July 28-August 3, 2020 English Countryside | July 30-August 8, 2020 (waiting list) Newfoundland & Labrador | August 9-20, 2020 Mystery Tour | August 25-31, 2020 Door County | October 5-9, 2020 Blue Ridge Country & Biltmore | October 12-19, 2020 (waiting list)

Hawaii Cruise | November 5-15, 2020 (waiting list) Serengeti Safari | November 9-19, 2020 (waiting list) Holidays in Chicago | November 19-22, 2020

Insight into Waiting Lists Hills Bank Friends Club appreciates your patience and understanding with any events or trips that may have a waiting list due to limited space or tickets. We want to reassure you we do our best to hold a second event, request more tickets, and schedule another trip when possible and give priority to the waiting list. Please do not be discouraged if you are placed on a waiting list, as many times spots do open up. Due to wonderful interest and growth, we are continuously adding more options to our events and trips to accommodate as many interested members as possible.

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Friends Club News

August 25–31, 2020 $1,935 per person, double occupancy $2,319 per person, single occupancy MYSTERY TOUR

Our 2019 mystery tour was a hit, so we’re doing another one! This year’s amazing seven-day tour will take us out of Iowa to dive into the history and culture of our secret destination. There’s a little something for everybody, from nature lovers and history buffs to patrons of the arts! The destination and itinerary will remain a surprise, but we promise you’ll have lots of fun. On the day of departure you’ll receive a clue on what direction we

are heading and possibly the state, followed by clues along the journey. Embrace the unknown and get ready to open your eyes to amazing experiences and destinations you might otherwise have overlooked! Six nights’ accommodations, thirteen meals,

admission to all activities, motorcoach transportation, taxes and gratuities, and a tour manager are included in the tour price. Contact 319-358-2230 or Karissa_Norine@HillsBank.com or 319-358-2215 or Chelsea_Marsengill@HillsBank.com for a detailed brochure and registration information.

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1st Quarter 2020

July 28-August 3, 2020 $3,299 per person, double occupancy $4,160 per person, single occupancy THE BOSTON BERKSHIRES &

This seven-day tour will introduce us to world-class art, fascinating historical sites, and so much more in the Berkshires of Massachusetts! Our touring begins in Niagara Falls, NY, where we’ll see the famous Floral Clock and visit Niagara Gorge, Goat Island, Prospect Point Park, and Queen Victoria Park. We will also board the Maid of the Mist for a cruise into the

heart of one of North America’s most powerful waterfalls! Then we are off to the Berkshires for a three-night stay at The Red Lion Inn in Stockbridge. We’ll explore this quintessential New England town before departing for the Hancock Shaker Village for an in-depth look at this intriguing religious movement and a four-course, Shaker-inspired dinner.

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POPS

Day four will have us visiting the Norman Rockwell Museum to tour his studio and see the world’s largest collection of original Rockwell works, including his Saturday Evening Post covers. Then we’re off to Chesterwood to learn about the life of Daniel Chester French, the sculptor responsible for Abraham Lincoln in the

Lincoln Memorial. We’ll also visit Edith Wharton’s home, have dinner at the Morgan House, and enjoy a special performance by the Capitol Steps at Cranwell Resort. Our last full day in the Berkshires will begin with a visit to the Clark Art Institute to admire the museum’s

collection of European and American paintings, sculptures, and prints ranging from the Renaissance to the early twentieth century. After a tour of the home and gardens at Naumkeag, we’ll embark for Tanglewood for the highlight of the tour—a performance by the Boston Symphony Orchestra! The following morning, we’ll begin our journey home, stopping in Ohio for the evening to enjoy a farewell dinner and time to reminisce on our adventure in the Berkshires. Six nights’ accommodations, twelve meals, admission to all activities listed on the itinerary, a Travel Protection plan, taxes and gratuities, and a tour manager are included in the tour price. Contact 319-358-2230 or Karissa_Norine@HillsBank.com or 319-358-2215 or Chelsea_Marsengill@HillsBank.com for a detailed brochure and registration information.

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1st Quarter 2020

LABRAD NEWFOUNDL

August 9–20, 2020 $5,789 per person, double occupancy $6,839 per person, single occupancy

Travel to Newfoundland and Labrador, a Canadian province whose history is rich with stories and legends, explorers and inventors, and more! Following our flight into Deer Lake, we’ll overnight in Corner Brook before exploring the charming city and heading up the coast to Cow Head for a two-night stay in Gros Morne National Park. Our time in the park will reveal pristine landscapes and include a boat tour on a landlocked fjord and a visit to

Lobster Cove Head Lighthouse. We’ll then continue north to the Port au Choix National Historic Site to learn about the history of the Archaic Indians. The next day, we’ll journey by boat to Labrador to step back in time in the old whaling community of Red Bay. The adventure continues back on the mainland of Newfoundland with a one-night stay in St. Anthony. While here, we will

visit sites tied to Viking history, including the L'Anse aux Meadows National Historic Site and Norstead, a replicated Viking port of trade with costumed interpreters. We will also stop at The Dark Tickle Company to learn how wild berries are turned into delicious jam, tea, coffee, and chocolate. In Twillingate, we’ll learn about the region’s fishing heritage at The Prime

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Friends Club News

R ND &

Berth, take in the panoramic ocean view at Long Point Lighthouse, and visit Auk Island Winery. Day nine will begin with a visit to the North Atlantic Aviation Museum in Gander to learn about the development of transatlantic aviation and the town’s role in the days after 9/11. Up next is Terra Nova National Park, one of the province’s most beautiful national parks. Our three-night stay in the capital will see us visiting Mistaken Point Ecological Reserve, embarking on whale and bird-watching boat tours, traveling to Cape Spear, and enjoying free time to explore St. John’s. We will then catch our flight home with incredible memories of our time in Newfoundland and Labrador.

Round-trip air, eleven nights’ accommodations, twenty-five meals, admission to all activities listed on the itinerary, a Travel Protection plan, taxes and gratuities, and a tour manager are included in the tour price. Contact 319-358-2230 or Karissa_Norine@HillsBank.com or 319-358-2278 or Meg_Sinnott@HillsBank.com for a detailed brochure and registration information.

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1st Quarter 2020

October 5-9, 2020 $1,579, double occupancy $1,935, single occupancy DOOR COU

Prepare to be captivated by Door County, Wisconsin! We’ll spend five nights in Sturgeon Bay and fill our days with authentic Door County experiences, beginning with the Cherry Train tour. The ferry will take us to Washington Island for this narrated tour that will introduce us to life on

the island, its history, and more. Back on the mainland, we’ll depart for Seaquist Orchards where our entertaining guide will lead us through the cherry, apple, and pear trees. Day two will end with a very special Door County meal loved by locals and tourists alike – a traditional fish boil. Locally caught fish will

be boiled on an open fire, and we’ll know it’s time to eat when the fiery “boil over” occurs! Day three will introduce us to the best of Door County by old-time trolley. We’ll tour Eagle Bluff Lighthouse, enjoy a wine tasting, visit the bluffs at Peninsula State Park, and stop at a roadside market before returning to Sturgeon Bay to explore on our own.

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Friends Club News

TY Our last full day of touring will begin with a visit to Renard’s Cheese to learn about their cheese-making process and enjoy some delicious samples. Up next is a tour of the Door County Maritime Museum for insight into the rich maritime history that is rooted within the Great Lakes area. We’ll also get an up-close look at the Tug John Purves, a vintage 1919 tugboat restored to its former glory.

Our final evening in Door County will conclude with an entertaining show at the Peninsula Players Theatre, America’s oldest resident summer theater. Four nights’ accommodations, ten meals, admission to all activities, motorcoach transportation, taxes and gratuities, and a tour manager are included in the tour price. Contact 319-358-2230 or Karissa_Norine@HillsBank.com or 319-358-2278 or Meg_Sinnott@HillsBank.com for a detailed brochure and registration information.

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1st Quarter 2020

November 19–22, 2020 $1,085 per person, double occupancy $1,315 per person, single occupancy HOLIDAYS IN

Head to Chicago with us to get into the festive spirit with some sightseeing and shopping! We’ll begin with an overnight stay in Galena to shop and explore along the “Helluva Half Mile.” More than 100 stores offer clothing, jewelry, sweets, art, and much more, making Galena the perfect place to kick start our holiday adventure. Day two will take us to Cantigny Park to enjoy the Visitor Center and learn about U.S. military history through the eyes of the Army’s 1st Infantry Division. Organized during WWI, it’s the

Army’s oldest continuously serving division. We’ll have the opportunity to see various military vehicles and learn about the divisions past and present-day missions through immersive experiences. We will continue to our Chicago hotel near the Magnificent Mile for a leisurely evening.

Day three is a free day to cross off everything on your Christmas list! The Magnificent Mile has hundreds of shopping options ranging from major department stores, luxury brands, home goods, electronics, apparel, toys, and more. You’ll surely work up an appetite and the food options won’t

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Friends Club News

CHICAGO

disappoint. Enjoy Chicago-style deep-dish pizza or try out some unique international cuisine—there’s something for everyone! If your shopping is done or you would just like to explore more of the city, consider visiting a world- class museum, joining a sightseeing tour, or heading to Navy Pier. The fun will then continue that evening with dinner and a Broadway performance! On our final day, we’ll make one last stop to experience the unique world of IKEA before we head for home.

Motorcoach transportation, three nights’ accommodations, six meals, admission to all activities listed on the itinerary, a Travel Protection plan, taxes and gratuities, and a tour manager are included in the tour price. Contact 319-358-2230 or Karissa_Norine@HillsBank.com or 319-358-2278 or Meg_Sinnott@HillsBank.com for a detailed brochure and registration information.

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LIFETIME GIFTS by Hills Bank Wealth Management Group

Annual Gift Tax Exclusion Each taxpayer is allowed to transfer/gift a certain amount of assets each year, without concern for gift taxes. For 2020, this "annual exclusion amount" is currently $15,000 per donor (this amount is subject to adjustment for inflation in future years). A gift of this amount can be given to each of any number of donees. If husband and wife agree, they can "split" gifts and give twice this amount, currently $30,000, to each of any number of individuals. Marital Deduction There is an unlimited marital deduction for gifts of separate or community property passing from one spouse to another. Educational or Medical Expenses A donor may give, free of gift tax consequences, unlimited amounts for a donee’s school tuition (not books, supplies, or other expenses) or qualified medical expenses. Such gifts must be made directly to the school or health care provider, and not to the donee. Deductibility for Income Tax Purposes Gifts or gift taxes are not deductible for income tax purposes, unless contributed to a qualified charity. Gift Tax Returns These returns are filed annually, generally by April 15 of the year following the gift for amounts in excess of the annual gift tax exclusion. Capital Gains and Losses A donee generally takes over the basis of gifted property from the donor, known as “carry¬over” basis. A later sale of gifted property by the donee can result in a capital gain, a capital loss, or a situation in which there is neither a gain nor a loss. Including Gifts in the Estate If a gift exceeds the annual gift tax exclusion amount, it may be added to the taxable estate as adjusted taxable gifts; but the appreciation on the assets from date of gift until date of death is not brought into the computation. Gifts of life insurance policies, however, are still included if made within three years of death. Certain incomplete transfers (e.g., retained life estates, revocable transfers, etc.) will also be included in the gross estate without regard to when they were made. Advantages of Making Gifts • Gifts put future appreciation of assets out of the estate • The gift tax paid reduces the taxable estate • Making gifts of income-producing assets may reduce current income taxes • Probate administration is not necessary for gifted assets • The donor can see the beneficiaries enjoy the assets while he or she is still living If you have questions, we invite you to schedule a meeting with one of our experienced Trust and Wealth Management Officers by calling 1-800-899-8858. We look forward to serving you as your trusted advisor.

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