Friends Club 3rd Quarter 2024

HILLS BANK

Quarter Three 2024

FEATURED EVENT Grandparents Day at the Ballpark Details on page 16

What's Inside: Your Questions Answered – Friends Club FAQs

Day Trips: Iowa State Fair, Fall Cruisin’, Musicals, & More Register for the Travel Showcase announcing 2025 tours!

Thank you for coming out and adventuring with us this spring. Seeing so many new faces at our events and day trips, experiencing our community and meeting new friends, is exactly what Friends Club is all about. A special thank you to the many speakers and local organizations who helped make our events special by sharing their time and talents with the club – You really help make Southeast Iowa shine! For our members who prefer to enjoy the club through our checking account benefits, reading the newsletter, searching for hidden needles, and visiting us at our locations for your banking needs – We are glad you are here! As your community bank, we consider it an honor to serve you as your trusted financial advisors; Friends Club is just one way we show you how much we appreciate your business. Beyond our member activities, it is my hope that you experience the excellent customer service Hills Banks is known for at our 18 locations year-round. Next time you visit our offices, make sure you say “hi” and get to know that friendly banker on the other side of the desk! They are here to help. Summer is in full swing and we are ready to spend it with you. Enjoy the summer edition of the Friends Club newsletter on the pages to come!

I will see you soon, Friends!

Katie Harris Friends Club Director

Friends Club News

IN THIS ISSUE

What's on the cover? Featured on the cover this month is a group photo from the Journey to the Outer Banks tour in front of the Bodie Island Light Station! Want to learn more about upcoming extended travel? Make sure to check out Travel Showcase coming up on July 18th. More details on page 23.

4 FRIENDS CLUB FAQS 6 SOUTHEAST IOWA FARMERS MARKETS 8 EVENTS 18 LOCAL PERFORMANCES

20 TRAVEL SHOWCASE

21 DAY TRIPS 24 WHEN IS A SUPPLEMENTAL NEEDS TRUST RIGHT FOR YOUR FAMILY? 26 FUN AND GAMES 27 POLICIES AND PROCEDURES

Friends Club

How do I register? To register for any Friends Club activity, email FriendsClub@HillsBank.com or call 319-679-2103 .

Who is taking my registration? We have a team of Hills Bank staff members who are specifically trained to help us collect Friends Club registrations during peak call times. These friendly voices will help you get signed up for your favorite activities after the newsletter releases! We appreciate your patience as we do our best to answer in a timely manner. Our goal is to provide a response, via email confirmation or call back, within 48 hours (Monday-Friday). Can I bring a guest? We love friends! However, our programing is always first and foremost for you, our Friends Club members. Enrollment is only open to Hills Bank Friends Club members with the following exceptions: • A Friends Club member who would typically attend independently is allowed to bring one non-member guest. • On rare occasions, a Friends Club household (two members) may bring a non-member couple or single non-member guest if there is availability and the activity has been promoted to members for one month. If an event is open to guests beyond this policy, the description will list “guests welcome” to provide clarity. A non-member may be charged more than a member.

Friends Club News

What does the “Registration Deadline” represent? All of our events, day trips, and extended tours are first come first serve. The registration deadline is the last date to sign-up, if spots are available.

What is a “Waiting List”? Events, day trips, and extended travel may have a waiting list due to limited space and/or tickets, or high interest. All of our events, day trips, and extended tours are first come first serve. If you are asked to join the waitlist, do not be discouraged; you may get a call to join us if we receive cancellations! Waitlists also help inform future event and tour planning as it helps us judge interest in the activity.

How do I pay? At the time of registration, please tell us if you would like to use your Hills Bank account for the paid activity (and which account to charge, if you have more than one). Credit cards are also accepted.

Can I get a refund if I cancel? For events and day trips, refunds for cancellations made after the registration deadline 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 but it is not guaranteed.

See page 27 for details regarding extended tour cancellations.

3rd Quarter 2024

Cedar Rapids Downtown Farmers Market Downtown Cedar Rapids Saturdays | 7:30 a.m. - noon July 20, August 3, August 17, and September 21 Market After Dark Southeast Iowa F As a community bank, we love to see our communities shine. So this quarter, we are shining a spotlight on the fantastic farmers markets in our area! Though not an exhaustive list, each of these markets feature local makers and growers and are

Downtown Cedar Rapids August 24 | 6:30 - 11 p.m. Coralville Farmers Market at Iowa River Landing (801 E 2nd Ave) Wednesdays | 4:30-6:30 Runs through October 2 Iowa City Iowa City Farmers Market Chauncey Swan Parking Ramp (415 E Washington St) Saturdays | 7:30 a.m. - noon Runs through October 26 Kalona Kalona Market 5th Street, Downtown Kalona Second and Forth Saturdays of the Month | 9:00 a.m. - 1:00 p.m. Runs thru October 12

the perfect way to get out, shop local, and experience our beautiful community. From locally grown produce, fresh baked goods, flowers, homemade crafts, and much more, these farmers markets throughout Southeast Iowa should be on your list of stops this summer! These events are not hosted by Friends Club. Keep an eye out for more details from the organizing community groups on their city and event websites.

Friends Club News

Farmers Markets

Marion Taube Park Farmers Market Taube Park (2200 31st Street, Marion) Saturdays | 8:00 - 11:00 a.m. Runs thru September North Liberty Farmers Market at Colony Acres (1150 Front St NE, North Liberty) Thursdays | 4:30 - 6:30 p.m. Runs thru September 26 No market July 4th

Swisher Swisher Farmers Market Downtown Swisher City Park (Rose Ave, Swisher) Thursdays | 4:30 - 6:30 p.m. Runs through October 10 No market July 4th Washington Washington Farmers’ Market Main Street Washington on the Square Thursdays | 5:00 - 7:30 p.m. Runs through October 10 Wellman Farmers Market Downtown Wellman Downtown Wellman Tuesdays | 4:00 - 7:00 p.m. Runs through October Williamsburg Williamsburg Farmers Market Downtown Williamsburg (Northeast side of the square) Fridays | 4:00 - 6:00 p.m. Runs through September 27

Oxford Farmers Market Augusta Ave, Oxford Thursdays | 5:30 - 7:30 p.m. Runs through August 29 Solon Farmers Market Uptown Park on the corner of Main St and Market St. Tuesdays | 4:00 - 6:30 p.m. Runs thru September Springville Springville Market Cox Lake Park Pavilion (near City Hall) Second Tuesday of the Month 5:00 - 7:00 p.m.

3rd Quarter 2024

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. Space is limited. 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 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. Guests Events are only open to Hills Bank Friends Club members. However, a Friends Club member who would typically attend independently is allowed to bring one non-member guest. If an event is open to guests beyond this policy, the description will list “guests welcome” to provide clarity. Events

Friends Club News

Iowa City Walking Group

Thursdays @ 9 a.m. Terry Trueblood Recreation Area (579 McCollister Blvd, Iowa City)

Kick off the day with friends and an energizing workout! The group will meet at 9:00 a.m., chart their route, and enjoy. Note: This is an informal group and Hills Bank staff will not be present to facilitate. Register today to receive any updates or communications for

participants regarding location, time changes, and more! Guests welcome.

3rd Quarter 2024

July 24 Wednesday 10:00 a.m.

You’ve spent years saving and planning and retirement is finally around the corner! What now? As you approach retirement, you will face questions about asset allocation, income gaps in retirement, how to manage your retirement account distributions, and more. Join Nick Mirabito, Associate Wealth Management Officer, and Todd Joslin, FVP Wealth Management Officer CFP®, for a morning diving into all of these topics and more to help you feel prepared to confidently jump into retirement when you are ready. Guests welcome. Register by Monday, July 22.

Taking the Leap into Retirement North Liberty Hills Bank (590 W Forevergreen Rd)

July 27 Saturday

Bloom Bar and Bites Washington Hills Bank

Evergreen Hill flower farm is coming to Washington for a private “bloom bar” event – because flowers and friends truly are the perfect combination! Participants will choose stems from a selection of vibrant blooms to make their own seasonal bouquet to take home. Enjoy pastries from local bakeries as owner and 5th generation farmer, Holly Jones, teaches her “bouquet recipe” and shares about the legacy of Evergreen Hill (147 years and counting!), along with her personal journey growing blooms for their cut flower farm in the heart of southeast Iowa. Cost is $30 per member; $37 per non-member, payable upon registration. Cost includes floral arranging class, local pastries, and a medium size bouquet to take home. Register by Tuesday, July 24. Register Now Email FriendsClub@HillsBank.com or call 319-679-2103 .

(2481 IA-92) 10:00 a.m.

Friends Club News

August 22 Thursday 9:30 a.m. or 11:00 a.m.

Renewal for a New Era Johnson County Historic Poor Farm (4811 Melrose Ave, Iowa City)

In 1855, Johnson County procured 160 acres of land to establish the Johnson County Historic Poor Farm. The County ran and operated the farm under the poor farm model until 1988. In recent years, Johnson County has worked to renew the farm. Join us as Alexandra McKendree, Executive Director of the Johnson County Historical Society, shares about both the difficult history and the new era of the farm. She will share about how the renewal of this historic farm has been informed by the farm’s past as well as the needs of the current community, including the rehabilitation of historic buildings, returning the land to prairie and local food production, and planning for new features such as a commercial kitchen. Following the tour, the farm’s Healing Trail will be open to walk. Note: This outdoor tour will involve periods of time walking and standing. Register by Monday, August 19.

3rd Quarter 2024

DAYS Sweet Corn

Nearly 45,000 ears of sweet corn will be given out to community members at Hills Bank’s annual Customer Appreciation Day celebration on July 26th and August 2nd. Employees bag bundles of corn in reusable canvas bags to hand to anyone that stops by their offices throughout the Corridor, including in Cedar Rapids, North Liberty, and Iowa City.

& “Our customers are truly our most valuable asset, and this tradition is a way for us to show how them how much we appreciate their support,” said Lisa Shileny, President and Chief Operating Officer of Hills Bank. “We’ve given out Iowa-grown sweet corn for over a decade thanks to a partnership with local farmers.” 12 August 2 Friday July 26 Friday Available at our Iowa City, North Liberty, and Coralville locations. Available at our Marion, Cedar Rapids, Mount Vernon, Lisbon, Hills, Washington, Kalona, Wellman, and Williamsburg locations.

July 19 Friday July 26 Friday

Hills Bank Marion (3204 7th Ave)

B I N G O is coming to a city Bingo 58 G HILLS BANK

9:00 a.m.

Hills Bank North Liberty (590 W Forevergreen Rd)

9:30 a.m.

August 9 Friday

Hills Bank Mount Vernon (720 First Ave SE)

10:00 a.m.

near you! Register for any of the bingo options listed below to reserve your spot. Register prior to each event date.

September 19 Friday September 27 Friday

Hills Bank Washington (2481 IA-92)

9:00 a.m.

Cedar Rapids: Villas at Stony Point (1818 Stoney Point Rd SW)

10:30 a.m.

3rd Quarter 2024

August 16 Friday 10:00 a.m.

Try your hand at a new creative skill with Stephanie Schumacher, Mortgage Lender Team Lead, and Brenda Langenberg, Mount Vernon Branch Manager, as they lead us in a casual morning watercolor lesson. Materials will be provided and you will leave with two unique cards of your own creation to share with someone you love or to frame and enjoy for years to come! Whether or not you walk away an artist, there is no better way to beat the dog days of summer than trying something new with Friends. No cost for members; $10 per non-member guest. Register by Friday, August 16.

Wake Up to Watercolor Mount Vernon Hills Bank

Community Room (720 First Ave SE)

Spend the afternoon 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 Tuesday, August 27.

August 29 Tuesday 2:00 p.m.

Everything I Needed to Know About Business, I Learned in the Barnyard North Liberty Hills Bank (590 W Forevergreen Rd)

Friends Club News

August 7 Wednesday 10:00 a.m.

July is a big month as curators are busily bringing new exhibits to the University of Iowa Stanley Museum of Art. Be some of the first to see the new collections opening in August! This tour will feature new exhibits like To My Friends at Horn: Keith Haring

What’s New at the Stanley? Stanley Museum of Art (160 W Burlington St, Iowa City)

Accessible parking near the museum: • Stanley Art Ramp (63), 160 W Burlington St • Library Lot (3), 202 W Burlington St • Recreation Center Lot (11), 500 S Madison St

and Iowa City, Beyond the Cycle , a collaborative African art exhibit, and a large mural by contemporary artist Jiha Moon. You will also enjoy classic artworks by Jackson Pollock, Grant Wood, and Elizabeth Catlett that have made their home at the Stanley. Learn alongside a knowledgeable docent or Stanley staff as they take you on a one-hour tour that is a facilitated discussion and overview of the newly designed galleries. No cost to attend. Register by Friday, August 2.

September 6 Friday 4:00 p.m.

Kalona is filled with small-town charm and unique family owned businesses! One of our favorites: Kalona Chocolates. Owners Lyndon and Mattie Hershberger are opening their doors to Friends Club for an exclusive chocolate tasting and tour. Enjoy a guided tasting flight of their delicious chocolate confections, discover more about art of chocolate making, and learn their story and how they became the business they are today. Following the event, you will have the opportunity to shop and ask questions about their large selection of chocolate collections. No cost for members. No cost for members; $10 per non-member guest. Space is limited. Register by Wednesday, September 4.

Charm and Chocolate

Kalona Chocolates (211 5th St, Kalona)

3rd Quarter 2024

In honor of Grandparent’s Day, enjoy America’s favorite pastime with the ones you love! The Cedar Rapids Kernels face the Wisconsin Timber Rattlers for an afternoon of fun, tasty treats, and baseball. Have a grandkid who loves to play catch? Following the game, fans can play catch in the outfield and gather player autographs (approx. 20 minutes, weather pending). Kids also eat free! All children age 11 and under will receive a voucher for a September 8 Sunday 1:05 p.m.

Grandparents Day at the Ballpark with the Cedar Rapids Kernels Veterans Memorial Stadium (950 Rockford Rd. SW, Cedar Rapids)

free hot dog, popcorn, and drink. Share your love of the game with your grandchild or come out to share the experience with fellow Friends Club members. However you join, it is sure to be a homerun! Cost is $12 per member or member grandchild; $16 per non-member adult. Lap children age 3 and under are free (if they need a seat, cost is $12). Guests welcome. Transportation is not provided. Register by Wednesday, August 28.

Hills Bank in Williamsburg: Sneak Peek Tour Williamsburg Hills Bank (200 W State St) Date to be Announced

Want a sneak peek into the new Hills Bank location in Williamsburg? We will hold a special preview for Friends Club this fall. Be the first to know – Register now to receive updates when a date and time is finalized for this special tour!

Friends Club News

Navigating the Medicare Maze -Multiple Dates and Locations- the most common

Medicare can be a confusing and intimidating topic, so we invited the experts from Wellmark to help you build confidence surrounding your Medicare needs. This educational presentation will address

Whether you are just beginning to explore your options, or are trying to decide between plans, join us to learn more before open enrollment season begins! Guests welcome.

questions about Medicare and Medicare elections, inform generally on the different Medicare products in the market, and provide additional resources for your individual needs.

September 11 Wednesday 10:00 a.m. September 12 Thursday 4:30 p.m. September 13 Friday 10:00 a.m.

Hills Bank Washington (2481 IA-92)

Hills Bank North Liberty (590 W Forevergreen Rd)

Marion Hills Bank Community Room (3204 7th Ave)

3rd Quarter 2024

L P ocal How to Register: 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 upon registering. ADA accessible seating requests must be noted at the time of registration. Friends Club. Transportation not provided. Tickets will be mailed to registrants prior to departure.

erformances

Enjoy the talents within our local theaters this fall with

Friends Club News Guests: Tickets are only available for Hills Bank Friends Club members; however, a Friends Club member who would typically be a single occupancy is allowed to bring one guest. See page 27 for full guest policy.

Straight No Chaser Hancher Auditorium (141 Park Rd, Iowa City) Thursday, November 7, 7:30 p.m. A viral version of “The 12 Days of Christmas” sent these sensational singers straight to the top. Hancher audiences love to bring in the holiday season with the inimitable style of Straight No Chaser. Unwrap the gift of impeccable a cappella as the guys sing not only holiday favorites but their beautifully blended arrangements of popular hits. Get your family in the holiday groove with the hippest seasonal celebration around. “[F]lawless harmonies and playful banter… remain palpable throughout choice covers and humorous originals.” – Chicago Concert Reviews. Cost is $75 per member; $85 per non- member guest . Cost includes Zone 1 ticket, taxes, and fees. Register by Thursday, October 3.

Dear Evan Hansen Hancher Auditorium (141 Park Rd, Iowa City) Saturday, December 7, 2:00 p.m. Declared “one of the most remarkable shows in musical theater history” by The Washington Post, Dear Evan Hansen is the first musical to take a groundbreaking look—from the point of view of both the parents and young people—at our complex, interconnected, and social media-filled lives. Please note: Dear Evan Hansen is themes, including discussions of suicide. Cost is $115 per member; $127 per non-member guest. Cost includes Zone 1 ticket, taxes, and fees. Register by Friday, October 25. recommended for ages 12 and up and contains adult

3rd Quarter 2024

TRAVEL SHOWCASE South Slope Community Center (980 N Front St, North Liberty) Thursday, July 18, 2:00 p.m.

Join us for the announcement of our 2025 Friends Club tour line-up! You will hear a brief summary of each trip with photos and inclusions from our long-time travel operator, Star Destinations. Register by Tuesday, July 16.

Friends Club News Can’t make it? Full tour itineraries and registration forms will be available online at hillsbank.com/friends-club-travel starting Friday, July 19 at 2:00pm.

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 for the below day trips will be mailed to registrants after payment is complete.

• Online registration is not available at this time.

3rd Quarter 2024

The Addams Family Circa 21 Dinner Playhouse, Rock Island, IL Wednesday, September 11, 2024 They’re creepy and they’re kooky, mysterious and spooky ...The Addams Family, a comical feast that embraces the wackiness in every family, features an original story and it’s every father’s nightmare: Wednesday Addams, the ultimate princess of darkness, has grown up and fallen in love with a sweet, smart young man from a respectable family– a man her parents have never met. And if that wasn’t upsetting enough, Wednesday confides in her father and begs him not to tell her mother. Now, Gomez Addams must do something he’s never done before – keep a secret from his beloved wife, Morticia. Everything will change for the whole family on the fateful night they host a dinner for Wednesday’s “normal” boyfriend and his parents. Cost is $125 per member; $135 per non-member , payable upon registration. Cost includes motorcoach transportation, matinee show, meal, taxes, and gratuities. Register by Friday, August 23.

Iowa State Fair Des Moines, IA Wednesday, August 14, 2024 Celebrate our great state of Iowa by venturing to the annual Iowa State Fair! Experience all of what makes Iowa exceptional through hundreds of delicious food choices, blue-ribbon worthy competitions, and many options for free entertainment throughout the day’s trip. We provide the transportation, you choose your own adventure and enjoy the day at your leisure! Cost is $65 per person and includes motorcoach transportation, fair admission, and driver gratuity. Register by Friday, July 26.

Friends Club News

Farm to Table Tour Featured Guide: Michael Zahs Tuesday, October 1, 2024 Taste the day away with our community’s food producers! Local historian, Michael Zahs, will lead the way as you visit local farms, shops, and more to get a glimpse into this vibrant network of food producers here in Southeast Iowa. Prepare your taste buds for a day full of surprises and your mind for the many stories of our regions’ dynamic history along the way. Cost is $75 per member; $85 per non-member , payable upon registration. Cost includes motorcoach transportation, a picnic lunch, samples, admission to all activities, taxes, and gratuities. Register by Friday, August 30.

Fall Foliage Cruise Celebration River Cruises, Moline, IL Friday, October 11, 2024 Imagine yourself cruising down the Mississippi, admiring the colors of nature all around you. Beautiful scenery abounds as you float up and down the river while in the background the great sounds of music from the 40’s to the present. Sit back, listen, and even dance to the sounds of your favorite tunes. Big Band, Country, and Rock and Roll, it is all there. Don’t forget your cameras to capture the scenic views! Cost is $138 per member; $148 per non-member , payable upon registration. Cost and includes motorcoach transportation, matinee cruise, meal, taxes, and gratuities. Register by Monday, September 9.

To register, please email FriendsClub@HillsBank.com or call 319-679-2103 . Provide your full name, phone number, and email address.

When is a Supplemental Needs Trust Right for Your Family? by the Hills Bank Wealth Management Group

Benefits of A Supplemental Needs Trust A supplemental needs trust is created by a family member, or another individual, for the benefit of a disabled person. The trust provides a financial resource for the disabled person and does not disqualify them from government programs such as Medicaid or Supplemental Security Income (SSI). These programs are “means tested,” meaning that they are only available to those with limited income or assets. They often have extremely low asset limits - for example, an individual receiving SSI cannot have more than $2,000 in countable resources. Any assets left directly to a disabled individual via a traditional inheritance could negatively impact their benefit status. However, if the inheritance is paid to a supplemental needs trust for the individual’s benefit; it will not be includable in their countable resources and will not disqualify them from government programs. These trusts must be 100% discretionary

When preparing their estate plans, many individuals and families are faced with the question of how to provide long-term care for loved ones with physical or developmental disabilities or who require lifelong medical care. They want to ensure that these individuals are financially supported for years after their passing in a way that does not interfere with eligibility for government programs. A supplemental needs trust, also known as a third-party special needs trust, is one of the most common ways for people to accomplish this goal.

Friends Club News

and must prohibit any distributions for things that would otherwise be paid for by government assistance. The funds in the trust are to be used to pay for other basic needs and expenses on behalf of the disabled individual that would supplement or complement the benefits they are receiving. Supplemental needs trusts also allow the grantor to name an individual or corporate trustee of their choosing to guide and protect the disabled individual financially after they are gone. A supplemental needs trust also allows the grantor to designate a final beneficiary to receive any remaining funds in the trust after the disabled individual’s death. These trusts can be set up and funded while the grantor is living, or they can be created upon the grantors passing through their other estate planning documents. Other Things to Consider When you are ready to make the decision to create a supplemental needs trust for a loved one, it is advisable to find an attorney who specializes in estate planning and is familiar with Iowa’s laws regarding benefit eligibility. Special attention should be paid to the language of the trust and the grantor must be certain to strictly define terms and eliminate ambiguity in order to ensure the validity of the trust agreement. Some questions to consider when drafting the agreement: 1.) Do you want to specifically name any persons who should be consulted regarding the beneficiary’s

well-being? This often includes siblings, counselors, and aides. 2.) Who would be an appropriate trustee? Should the trustee be an individual or corporate trustee? 3.) Who will the ultimate beneficiaries be if there are still assets in the trust upon the passing of the original beneficiary? How is a Special Needs Trust different from a Supplemental Needs Trust? A special needs trust is also known as a first-party special needs trust. The third- party vs. first-party classifications are used to identify who is creating the trust for a disabled individual’s benefit. First- party special needs trusts are established with the disabled individual’s own assets and are often set up when a disabled individual receives an inheritance or other kind of pay out that will affect their benefits eligibility. The beneficiary may become ineligible for government benefits, and they must create the special needs trust, fund it with their outright inheritance, and then must re-apply for government benefits. Beyond the temporary lapse in benefits, another drawback of these trusts is that when the original beneficiary dies, the primary beneficiary of the trust must be the State of Iowa so they may recover any monies paid in benefits on behalf of the disabled individual. Special needs trusts are great tools to use if required, but typically, a supplemental needs trust is the preferred tool for families or individuals that want to leave assets to a disabled person.

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 email at Trust@HillsBank.com. We look forward to serving you as your trusted advisor.

3rd Quarter 2024

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 winter newsletter? Check out pages 3 and 17. Our lucky winners were: Lorraine (Crawfordsville, IA) and Eugene (Marion, IA) . 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 three 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 August 1st to be entered into the drawing.

SUDOKU CHALLENGE Level: Medium Can you beat our marketing team's best time? See if you can solve the sudoku faster than Mount Vernon Branch Manager Brenda Langenberg's time of 10:43 . Answers

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! Waitlists also help inform future event and tour planning as it helps us judge interest in the activity. 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 River of Life Church 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.

3rd Quarter 2024

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