HILLS BANK
Quarter One 2024
FEATURED EVENT Valentine's at WineStyles Details on page 9
What's Inside: Fresh Line-Up of Local Performances
Member Spotlight: Judy Nyren Hills in the Community Feature
J anuary is the season of resolutions for many people - It is a time to plan for future success and better habits. For me, I like to instead spend this month in reflection. The end of the previous year always seems to be hustled along in the holiday season blur. It’s October, you blink, and it's January! This January has me reflecting with gratefulness on all that 2023 brought into my life. As a club we welcomed many new members (Hi! I am glad you are here.), tried all sorts of new activities, explored incredible destinations, and met new people every step of the way. You all helped make 2023 special for me and I have a feeling the same will be said about the year ahead! I’d like to make a special shout out to our fabulous line- up of local performances at Hancher and Theatre Cedar Rapids, and enticing day trips to warm your spirits this chilly season. Everything you need to know about this winter’s club activities are on the pages to come. I hope you’ll join us!
I will see you soon, Friends!
Katie Harris Friends Club Director
Produced in partnership with Star Destinations
IN THIS ISSUE
4 MEMBER SPOTLIGHT 6 BARNYARD DAYS 8 EVENTS
14 LOCAL PERFORMANCES 16 HILLS IN THE COMMUNITY 18 DAY TRIPS 22 TRAVELING WITH FRIENDS CLUB 24 DONOR ADVISED GIFT FUND BASICS 26 FUN AND GAMES 27 POLICIES AND PROCEDURES
On The Cover Magical New York Christmas Friends Club members taking in the sights and bites of Greenwich Village during a food tour on the recent Magical New York Christmas trip. Relive our 2023 travel season in our Year in Review section on page 23.
Member
As a community bank, we believe in fostering community growth through volunteerism, sponsorship, and involvement. These community values shine bright in not only our Friends Club activities, but also in our members! Friends Club is made up of an amazing group of loyal customers who also foster growth in our community through supporting local organizations, engaging in historic preservation, providing mentorship to community youth, volunteering medical assistance, and so much more. Enter our new Friends Club Member Spotlight! Each quarter, we will feature an employee-nominated Friends Club member who is fostering community growth through volunteerism and Spotlight
involvement. Hills Bank will donate $250 to a local non-profit on behalf of this member to show our support for the work they do in our community! This quarter we sat down with Judy Nyren from Iowa City .
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Friends Club News
Can you tell us a little bit about yourself and how you came to Southeast Iowa? After graduating from Iowa State University in the 1970’s, my husband Dave and I relocated to Iowa City. He took a veterinary position at the Lang & Kennedy Clinic while my art and home economics background led me to a teaching position in Tipton. Soon after moving to the area, we purchased our current (Moffitt) home in Iowa City. Coincidentally, we signed off on our very first home loan with Hills Bank’s former president, John Hughes. Little did we know that our small, historic, and quirky Moffitt home would one day reveal a secret under the uneven floorboards: A newspaper had been used to level a low spot under the old wall to wall carpeting and in that newspaper was a wedding photo of John and Karen Hughes! Over the years, as I have become more involved in local history and architectural preservation, I always enjoy sharing this serendipitous story. I have since come to love the area and the unique history of Iowa City. There is so much here to learn and preserve for future generations! How did you get involved in your volunteer roles originally? How did you get started? I guess I would blame my compulsive creativity and teaching gifts! It came naturally for me to plan events and create interesting or entertaining learning environments because of my interest in the work of these organizations. Some of my best memories are planning the children’s activity area at Mercy Hospital’s annual Festival of Trees and the seasonal pop-up museums I created for Friends of Historic Preservation. What organizations do you volunteer with? I have had the pleasure of volunteering in many areas in the Iowa City area, but currently I am actively volunteering with New Life Community Church, Melrose Meadows Retirement Community, Lucas Farms Neighborhood Association, and the Johnson County Historical Society. How long have you been involved with the Lucas Farms Neighborhood Association and the Johnson County Historical Society? Much of my free time the last ten years has been with leadership of Lucas Farms Neighborhood Association. Some other good neighbors did the groundwork to re-boot our association and then I became involved by planning special events and documenting our shared history. Our neighborhood sits on the land that once was owned by Iowa’s first territorial governor, Robert Lucas. Because of the annual history events I help plan for the neighborhood, I became more involved with the Johnson County Historic Society. I was delighted to help facilitate the Hills Bank Friends Club’s tour of the historic Lucas Farms Neighborhood and Gov. Robert Lucas’ Plum Grove home last summer.
Who in our community inspires you? There are so many people who work hard and serve others or accomplish important things in this area. At the moment, Lucy Murphy comes to mind - I guess you could say, “I love Lucy!” She is a 98 year old, long-time resident at Melrose Meadows Retirement Community and she still plays the piano for the weekly church services there and organizes special events with guest speakers to entertain and educate the Melrose residents. She does it all through the pain of severe arthritis. How do you see Hills Bank within our community? Being asked to reflect on how we view Hills Bank, it’s interesting to think back and realize that our bank has been a part of some of the biggest hurdles in our lives - from getting a home improvement loan for a major remodel, to a loan to expand or stabilize our business, to providing the central advisors to help us prepare for retirement, to enjoying traveling with the Hills Bank Friends Club tours! When we first moved to eastern Iowa, Dave’s boss recommended Hills Bank. John Hughes, the bank president at the time, and the staff at Hills Bank were very welcoming to Dave as a young veterinarian just getting acquainted with the Johnson County area. They also helped Dave when he took the next step to becoming a co- owner of the veterinary practice. The veterinary clinic, along with Hills Bank, were very closely tied to the agricultural life of rural Johnson County, supporting the County Fair, the Pork and Beef Producers, etc. In time, our practice re-focused to exclusively small animal veterinary medicine and Hills Bank helped with that transition as we added two more satellite clinics. They have always been family and community focused. We enjoyed the tradition of attending the Hills Bank BBQ held every year until it got too big and they had to go to other ways of showing appreciation to their customers. Thank you, Judy, for your commitment to the Iowa City area and for fostering community growth here in Southeast Iowa. A $250 donation has been made to the Lucas Farms Neighborhood Association to show our support for the work you do in our community.
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Barnyar Da Though most of the first quarter of the year in Eastern Iowa is spent indoors, we encourage area families to come visit us as Spring approaches each year for Barnyard Days!
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Friends Club News
rd ays What is Barnyard Days? This annual event is part of Hills Bank’s annual Ag Month celebration. At bank parking lots and inside our office buildings across the Corridor, you’ll see many different animals and maybe even pet a few. In the past, area animal handlers have brought everything from goats to pigs, and llamas to camels. Barnyard Days is a great reason to get out of the house after a long winter and an adorable grandkid photo opportunity! Why do we celebrate agriculture ?
Agriculture is intertwined with Hills Bank’s history, heritage, and values, and remains an important part of our culture today. We celebrate our agricultural roots with Ag Month: an annual celebration of spring and agriculture, including events all month long. When is Barnyard Days? We’re still working out the details for this years’ event – so stay tuned! The Hills Bank Facebook page is a great place to keep an eye on, as we’ll be creating calendar events for Barnyard Days to help remind our customers when it will take place. Watch for more information in the coming months about Barnyard Days 2024 at hillsbank.com/ag-month .
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1st Quarter 2024
Hills Bank Bingo Do you need a little Friends Club B I N G O in your life? We do! Light refreshments will be served. Register for any of the bingo options listed below to reserve your spot. Cedar Rapids (Villas at Stony Point, 1818 Stoney Point Rd SW) Friday, February 16, 2:00 p.m. North Liberty (590 W Forevergreen Rd) Thursday, February 22, 9:30 a.m. Marion (3204 7th Ave) Friday, March 1, 9:00 a.m. Washington (2481 IA-92) Friday, March 8, 9:00 a.m. To register, please email FriendsClub@HillsBank.com or call 319-679-2103 . Provide your full name, phone number, email address, and preferred payment method (if applicable) upon registering. Online registration is not available at this time. Experience your local community, spark your curiosity with an educational presentation, or try a completely new experience with Friends Club! Registration is required for both paid and unpaid events. Please let us know you are coming so we can ensure the best experiences for our members, from adequate parking to comfortable seating, and more. How to Register
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Friends Club News
Valentine’s at WineStyles WineStyles (920 E 2nd Ave #115, Coralville) Friday, February 16, 5:30-7:30 p.m.
9 Treat yourself and a loved one to a special night out this Valentine’s holiday. You will be greeted with sparkling wine, enjoy a guided wine and fondue dinner, and end the night with a “must try” dessert wine according to WineStyle’s Kelsey Foster. Spend the evening leisurely savoring delicious flavor combinations of savory and sweet, cheesy and chocolaty, bubbly and fruity. Whether it is a table for two with your sweetie, a group of friends, or a double date, this is the perfect event to help you celebrate! Cost is $50 per member; $60 per non-member, payable upon registration. Price includes a two-hour fondue dinner, four wine tastings, taxes, and gratuities. Additional purchases are available on site if desired. Register by Thursday, February 8.
Fraud in the Digital Age EVENT SERIES
Linn County Thursday, March 14 at 2:30 p.m. Hills Bank Community Room Marion (3204 7th Ave) Register by Wednesday, March 13.
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Friends Club News
Your package arrived at the warehouse but could not be delivered. Please confirm your address in the link below. http://bitly.fhn94fiwlks/djsf4883
This is the IRS. Someone has attempted to use your social security number to make online purchases…
Do the messages above sound familiar? Scammers are getting creative and, in our digital age, have more access to you than ever before. Phone calls, emails, text messages – We’ve all seen them. As fraud and scams become more advanced and widespread, do not be caught unprepared. Join Christian Miller, Security Risk Management Officer at Hills Bank, for a conversation about common tactics used to defraud and scam people, tips and resources to protect yourself online, and how to respond if you become a victim of fraud.
Washington County Friday, March 15 at 2:30 p.m. Hills Bank Community Room Washington (2481 IA-92) Register by Thursday, March 14.
Johnson County Saturday, March 16 at 9:30 a.m. Hills Bank Community Room North Liberty (590 W Forevergreen Rd) Register by Thursday, March 14. 11
Everything I Needed to Know About Business, I Learned in the Barnyard
Hills Bank Community Room Mount Vernon (720 1st Ave) Friday, March 22, at 10:00 a.m.
Spend the morning with Dwight Seegmiller, CEO of Hills Bank, as he reminisces on his rural background and shares his values and common sense philosophies in this humorous presentation of Everything I Needed to Know About Business, I Learned in the Barnyard. Dwight joined Hills Bank in 1975 and has served as CEO since 1986. Known for his gift in storytelling, Dwight will take us back in time to the small dairy farm near Decorah, IA where he grew up, attended a
one room country school through the 6th grade, and went on to graduate from Iowa State University. Light refreshments will be served. Register by Wednesday, March 20.
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Friends Club News
The History of Ordinary Things: Can Openers Hills Bank Community Room North Liberty (590 W Forevergreen Rd) Thursday, March 28, at 10:00 a.m. We are going all the way back to the late 1700s when the can arrived on the scene, with no way to open it. From hammer and chisel, to hands- free, Doris Montag has the openers and the answers. Doris, beloved Iowa City collector and curator, will present her extensive collection of can openers along with more facts and fiction about the topic than you knew was possible. You won’t want to miss this unique and completely ordinary presentation told in Doris’ own educational, entertaining, and homespun style. Register by Tuesday, March 26.
1st Quarter 2024 Don’t forget to register! To register, please email FriendsClub@HillsBank.com or call 319-679-2103. Provide your full name, phone number, email address, and preferred payment method (if applicable) upon registering. Online registration is not available at this time. 13
Local
Enjoy the talents within our local theaters this winter with Friends Club. To register for a performance, please email FriendsClub@HillsBank.com or call 319-679-2103. Provide your full name, phone number, email address, and preferred payment method (if applicable) upon registering. Online registration is not available at this time. Transportation not provided. Tickets will be mailed to registrants prior to the performance. Cost includes all applicable taxes and fees.
Hairspray Hancher Auditorium (141 Park Rd, Iowa City) Saturday, February 24, 2024 at 2:00pm
You Can’t Stop the Beat! HAIRSPRAY, Broadway’s Tony Award- winning musical comedy phenomenon is back on tour! Join 16-year-old Tracy Turnblad in 1960s Baltimore as she sets out to dance her way onto TV’s most popular show. Can a girl with big dreams (and even bigger hair) change the world? Featuring the beloved score of hit songs including "Welcome to the ‘60s," "Good Morning Baltimore," and "You Can’s Stop the Beat," HAIRSPRAY is "fresh, winning, and deliriously tuneful!" (The New York Times). This all-new touring production reunites Broadway’s award-winning creative team led by Director Jack O’Brien and Choreographer Jerry Mitchell to bring HAIRSPRAY to a new generation of theater audiences. Cost is $107 per person and includes Zone 1 seating, taxes, and fees. Register by Wednesday, January 24.
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Friends Club News
Something Rotten! Theatre Cedar Rapids (102 3rd St SE, Cedar Rapids) Sunday, March 3, 2024 at 2:30pm
Welcome to the Renaissance! From the co-director of The Book of Mormon and the producer of Avenue Q comes something original…something hilarious…Something Rotten! Brothers Nick and Nigel Bottom are desperate to write a hit play but are stuck in the shadow of that Renaissance rock star known as “The Bard.” When a local soothsayer foretells that the future of theatre involves singing, dancing, and acting at the same time, Nick and Nigel set out to write the world’s very first musical! Cost is $51 per person and includes ticket, taxes, and fees. Register by Thursday, February 1. Chicago Hancher Auditorium (141 Park Rd, Iowa City) Saturday, May 4, 2024 at 2:00pm After 25 years, CHICAGO is still the one musical with everything that makes Broadway shimmy-shake: a universal tale of fame, fortune, and all that jazz, with one show stopping song after another and the most astonishing dancing you’ve ever seen. No wonder CHICAGO has been honored with 6 Tony Awards, 2 Oliver Awards, a Grammy, and thousands of standing ovations. As we celebrate our 25th anniversary—you’ve got to come see why the name on everyone’s lips is still…CHICAGO. With a legendary book by Fred Ebb and Bob Fosse, music by John Kander, and lyrics by Fred Ebb, CHICAGO is now the #1 longest-running American musical in Broadway history—and it still shows no sign of ever slowing down! Cost is $107 per person and includes Zone 1 seating, taxes, and fees. Register by Wednesday, April 3.
School of Rock Theatre Cedar Rapids (102 3rd St SE, Cedar Rapids) Sunday, May 12, 2024 at 2:30pm
Rock got no reason, rock got no rhyme…You better get me to school on time! School of Rock, based on the hit Jack Black movie, follows Dewey Finn, a wannabe rock star who poses as a substitute teacher at a prestigious prep school. There he turns a class of straight–A pupils into a guitar-shredding, bass-slapping, mind-blowing rock band. But can he get them to the Battle of the Bands without their parents and the school’s headmistress finding out? School of Rock – with its sensational live kids’ rock band, is a loving testimony to the transforming power of music. Cost is $51 per person and includes ticket, taxes, and fees. Register by Thursday, April 11.
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1st Quarter 2024
Over the month of December, Hills Bank employees took time to bring holiday joy to local families with Open Heartland’s Holiday Elves present drive! This wonderful tradition enlists individuals around Johnson County to “adopt” an immigrant family from Mexico and Central America, and shop for gifts for them (1-2 per family member). Once the gifts are purchased and wrapped, “holiday elves” drop them off at Open Heartland’s location in Iowa City to be distributed to each family – helping hundreds of neighbors have a warmer, brighter holiday. We’re happy to get the opportunity to hopefully make this family’s Christmas better! It really was a group effort from everyone.
-Parth Bhoja, Coralville Retail Banker.
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Pictued above are Parth and his corworker Sydney from our Coralville office starting to fill their cart for their adopted family this year. Want to get involved in this program next holiday season? Visit Open Heartland’s website at openheartland.com and “Like” their Facebook page to receive updates on their mission.
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Board a motorcoach and let Friends Club handle the rest. These one-day trips are the perfect mini getaway!
To register, please email FriendsClub@HillsBank.com or call 319-679-2103. Provide your full name, phone number, and email address.
• You will be asked to complete your payment at the time of registration (direct debit or credit card payments accepted).
• Payment confirmation, itinerary, parking details, and terms and conditions will be mailed to registrants after payment is complete.
• Online registration is not available at this time.
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Friends Club News
Murder on the Orient Express Circa 21 Dinner Playhouse Rock Island, IL Wednesday, February 21, 2024
Just after midnight, a snowdrift stops the Orient Express in its tracks. The luxurious train is surprisingly full for the time of the year, but by the morning, it is one passenger fewer. An American tycoon lies dead in his compartment, stabbed eight times, his door locked from the inside. Isolated and with a killer in their midst, the passengers rely on detective Hercule Poirot to identify the murderer — in case he or she decides to strike again. Ken Ludwig’s clever adaptation of the Agatha Christie classic boasts all the glamour, intrigue and suspense of Dame Agatha’s celebrated novel, with a healthy dose of humor to quicken the pace. Cost is $113 per person and includes motorcoach transportation, matinee show, meal, taxes, and gratuities. Register by Wednesday, January 31.
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1st Quarter 2024
Funny Girl Des Moines Civic Center Des Moines, IA Saturday, March 16, 2024
Featuring one of the most iconic scores of all time by Jule Styne and Bob Merrill, an updated book from Harvey Fierstein based on the original classic by Isobel Lennart, tap choreography by Ayodele Casel, choreography by Ellenore Scott, and direction from Michael Mayer, this love letter to the theatre has the whole shebang! The sensational Broadway revival dazzles with celebrated classic songs, including “Don’t Rain On My Parade,” “I’m the Greatest Star,” and “People.” This bittersweet comedy is the story of the indomitable Fanny Brice, a girl from the Lower East Side who dreamed of a life on the stage. Everyone told her she’d never be a star, but then something funny happened—she became one of the most beloved performers in history, shining brighter than the brightest lights of Broadway. Cost is $215 per person and includes motorcoach transportation, matinee show, meal, taxes, and gratuities. Register by Wednesday, January 24.
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Friends Club News
Church Basement Ladies Circa 21 Dinner Playhouse Rock Island, IL Wednesday, April 10, 2024 The Ladies are back with the musical that started it all! The church basement kitchen throughout much of America is often the heart and soul of any church. In Church Basement Ladies we meet the pastor, three kitchen cooks and one daughter who run the kitchen and care for the congregation by preparing and serving the food. Like any great kitchen, problems are solved here as well. We see the four women handle a Lutefisk dinner, a funeral, an Easter fundraiser, and a wedding. They stave off potential disasters, have fun, share and debate recipes, instruct the young, and keep the pastor on due course. This musical comedy based on recipes, food, and change in the church is funny, heartwarming, and down to earth. It will bring back memories of many people you know from churches everywhere. Cost is $125 per person and includes motorcoach transportation, matinee show, meal, taxes, and gratuities. Register by Friday, March 22.
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1st Quarter 2024
TRAVELING with Friends Club How to Register It’s quick and easy for you to learn about our tours and register, all in one place! Visit hillsbank.com/friends-club-travel . Tour itineraries by mail are available upon request. Your spot is reserved once your deposit is paid. Customers who request itineraries and registration forms by mail must return deposit and forms as soon as possible. Spots will not be held without a paid deposit. Questions about how to register for extended travel tours? Contact FriendsClub@HillsBank.com or call 319-679-5323. 2024 Tours
It's a Mystery! - June 17 – 22 Alaska, The Great Frontier - July 8 – 16 WAITLIST ONLY Back Roads of Italy - September 16 – 24 WAITLIST ONLY Picturesque Parks of Utah - September 21 – 29 WAITLIST ONLY Adventure Down Under - November 11 – 25 WAITLIST ONLY
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Friends Club News
Year in Review: 2023 Travel Season
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Donor Advised Gift Fund
Basics by the Hills Bank Wealth Management Group
What is a Non-Endowed Donor Advised Gift Fund? A Non-Endowed Donor Advised Gift Fund (the “DAGF”) is a charitable investment account that is opened in your name and that can be used for the sole purpose of making future donations to 501(c)(3) charitable organizations of your choice. “Bunch” Charitable Giving for Tax Benefits Under the current income tax code, many taxpayers are no longer able to itemize their deductions, including charitable donations. A DAGF allows individuals to “bunch” charitable giving in a single year in order to itemize their tax deductions for the “bunch year.” To the right are two examples – the first example is without the DAGF and the second example utilizes the DAGF:
Example 1: No DAGF Year 1: Taxpayer donates $4,000 directly to charities. Year 2: Taxpayer donates $6,000 directly to charities. Year 3: Taxpayer donates $8,000 directly to charities. Example 2: DAGF Year 1: Taxpayer funds the DAGF
with $18,000 cash and distributes $4,000 to charities from the DAGF.
Year 2: Taxpayer distributes
$6,000 to charities from the DAGF.
Year 3: Taxpayer distributes
$8,000 to charities from the DAGF.
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Friends Club News
What are the benefits of opening a DAGF? There are several potential tax benefits available to individuals who make contributions to DAGFs. These benefits include, but are not necessarily limited to, the following: 1. Most contributions to a DAGF are eligible as
an itemized tax deductible donation for the tax year of the contribution. This feature provides you with
the opportunity to utilize your tax deduction immediately, while still allowing you extra time and opportunity to identify 501(c)(3) organizations to which you desire to make donations and spread those donations out over an unlimited period of time.
2. Appreciated securities can be contributed in-
kind, which allows you to avoid capital gains taxes when the securities are sold within the DAGF. 3. Cash basis farmers can contribute commodities in-kind such as grain, soybeans, and corn to the DAGF. Talk to Your Tax Preparer Today All contributions to the DAGF are irrevocable and non-refundable. Therefore, please discuss your long- term charitable giving plans with your legal and tax advisors.
Example 2 demonstrates how “bunching” allows taxpayers to make multiple years’ worth of donations to the DAGF in a single tax year. In Example 2, the taxpayer contributes three years’ worth of donations to the DAGF during Year 1. The aggregated contribution makes it substantially easier for the taxpayer to exceed the standard deduction threshold and receive a tax benefit for their “bunch year,” while simultaneously allowing the taxpayer to distribute the funds to charities of their choice over several years.
1st Quarter 2024 If you have further questions, we invite you to schedule a meeting with one of our experienced Trust and Wealth Management Officers by calling 1-800-899-8858 or by emailing at Trust@HillsBank.com. We look forward to serving you as your trusted advisor.
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Investment products are not a deposit, not FDIC insured, not insured by any federal government agency, carry no bank guarantee, and may go down in value.
HIDDEN NEEDLE HUNT
Still looking for the hidden needles in the fall newsletter? Check out pages 18 and 20 . If you’re up for the challenge, here is another chance to play! Look high, low, and in-between for the hidden needle (the needle below is an example of what you’re looking for and not one of the hidden needles). There are TWO hidden needles in this newsletter edition. If you find one, you’ll get entered into a drawing to win a $25 gift card. If you find both, you’ll get entered into the drawing twice! There will be two winners this time! Submit Your Guess: Email FriendsClub@HillsBank.com or call 319-679-2103. Provide your name and the page number(s) on which you found the needle(s). You will not receive an individual confirmation after submitting your guess. Winners
will be contacted if their name is drawn. Happy searching! Submit by February 1st to be entered into the drawing.
SUDOKU CHALLENGE Level: Medium See if you can beat Katie 's time of 6:10 to complete the sudoku!
Answers
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Friends Club News
Policies/Procedures
Guest Policy – Enrollment will only be open to Hills Bank and Trust Company (Hills Bank) Friends Club members; however, a Friends Club member who would typically be a single occupancy is allowed to bring one guest. A non- member may be charged more than a member. In rare occasions, a Friends Club household (two members) may bring a non-member couple or single guest if there is availability and the:
• Event has been promoted to members for one month. • Day trip has been promoted to members for one month.
• Extended trip has been promoted to members for at least one month. After the same guest travels with Friends Club on two extended trips, the guest will be required to join Friends Club to continue traveling with the group. Enrollment Eligibility Hills Bank Friends Club and its tour operators reserve the right to accept or decline any person at any time, or to require any participant to withdraw from a program at his or her own expense when such an action is determined by the operator or Hills Bank to be in the best interest of the participant’s health and safety or the general welfare of the other participants. Health and Medical Requirements – Hills Bank Friends Club requests that participants be in good health to participate in Events or Travel and be physically able to participate in all stated itinerary items. If you cannot participate in all activities, then you must be willing to stay back so the group is not affected. You will not be reimbursed for the activities you miss. Hills Bank Friends Club offers tours to exciting destinations, and in some places there are very limited accommodations for wheelchairs, walkers, or people with limited mobility. Any condition that may require assistance or special medical attention must be reported at the time a reservation is made or as soon as possible thereafter by emailing FriendsClub@HillsBank.com or calling 319-679-2103. Every effort will be made to address special dietary requirements with notice given to venues: however, no guarantees can be made on behalf of the venue. Neither Hills Bank Friends Club employees nor its vendors or operators may assist with medications or physically aid participants on tours, including administering medications, physically lifting or assisting participants into transportation vehicles, or assisting with wheelchairs. Persons who cannot travel independently and who would need special assistance must be accompanied by a companion who will be able to assist and assume responsibility for this person. The companion will be treated as any other participant and will be subject to the same policies and program rates. Day Trip and Event Payments – Hills Bank Friends Club will send a payment request and the Event itinerary after registrant signs up for an Event. Return your payment as soon as possible to reserve your spot. If payment is not received within two weeks of when you received the letter, we will offer the spot to another member. Day Trip and Event Cancelations Refunds for cancellations are not guaranteed due to nonrefundable circumstances, such as pre-purchased tickets, deposits, and reservation fees. If cancellation is necessary, contact Hills Bank Friends Club by emailing FriendsClub@ HillsBank.com or calling 319-679-2103. You may inquire about a waiting list to see if we can find a replacement for you. If there is not a replacement available on the waiting list, you can consider finding yor own replacement or asking a non-member to take your place. This also applies to local events with a cost. If an event or day trip is cancelled due to insufficient reservation numbers, a full refund will be issued. Extended Travel Cancellations – Hills Bank Friends Club will adhere to the written cancellation policy of the travel operator. More details regarding cancellations and insurance will be provided upon request. Waiting Lists – Events, day trips, and extended travel may have a waiting list due to limited space or tickets. We appreciate your understanding and willingness to be on the waiting list. Do not be discouraged, you may get a call to join us! We do our best to have a second event, get additional tickets, or provide another trip for those on the waiting lists when possible. Inclement Weather – In the event of inclement weather, travelers and event participants will be contacted the day before or the morning of the trip. Refunds for inclement weather cancellations are dependent on the vendors’ policies to refund Hills Bank Friends Club and cannot be guaranteed. Responsibilities and Limitation of Liability - All events and trips, including extended trips, will be governed by Hills Bank’s terms and conditions, and any tour operator’s terms and conditions or policies. Parking - Day trips and extended travel will depart from and return to Hills Bank on Blairs Ferry Road in Cedar Rapids and the Johnson County Fairgrounds in Iowa City, unless otherwise noted in the payment letter sent to each registrant. Parking at these locations is free. Hills Bank Friends Club cannot accommodate requests for additional pickup locations due to timing and accommodation of the group. Motorcoach Seating – Seats are assigned for day trips and motorcoach extended trips to better serve the travelers and to help the tour manager and Hills Bank escort get better acquainted with the travelers. Seat rotations will be at the discretion of the tour manager and escort. Any special or medical needs regarding seating assignments should be mentioned at the time of registration as indicated on your registration form, and we will accommodate as best as possible.
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1st Quarter 2024
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