WEALTH-MGMT_Printed-Booklet_Saving-For-Retirement-booklet 4…

HILLS BANK 131 E Main Street Hills, Iowa 52235

Dear Friends,

It is my honor to introduce you to Hills Bank. Since our founding in 1904, our mission has been to serve our customers and shareholders with loyalty and integrity. We’ve built our business by building relationships – because we know that helping our customers succeed pays dividends for everyone’s future. Today, Hills Bank encompasses 19 locations in three Eastern Iowa counties, with over 500 employees. Total bank assets exceed $4 billion, and Trust and Wealth Management assets top $2.5 billion. While still headquartered in Hills, Iowa (a town of fewer than 1,000 people), Hills Bank is one of the largest independent banks in Iowa. We believe in fostering community growth, serving individuals, businesses, and not-for-profit organizations across Eastern Iowa. No matter who they are, our customers count on us to deliver quality personal service and trusted professional investment expertise. To help you through the important and ongoing task of financial and retirement planning, we’ve put together this guide. We hope it helps you determine your goals – and realize them.

We appreciate the opportunity to serve you.

Sincerely,

Dwight O. Seegmiller President and CEO

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.

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