HILLS BANK
Quarter Three 2025
What's Inside: From local gems to hidden treasures – our best day trips yet New! Look for events marked ‘Grandkid friendly’ Fresh insights: Retiring in a Rocky Market
1
3rd Quarter 2025
Summer is in full swing, and there’s no better way to enjoy it than with Friends Club! This spring, we’ve been out and about across Southeast Iowa – exploring new places, learning together, and sharing plenty of laughs. And the best part? We’re just getting started. A heartfelt thank you to everyone who joined us for the June Travel Showcase! Your energy and passion for adventure are contagious. If you couldn't make it, you may notice that many of the tours only have waitlist spots. We’d love to have you join us on a future tour! This season’s calendar is packed with fun. We’re thrilled to bring back the It’s A Mystery: History Day Trip – a surprise-filled outing with local historian Michael Zahs that is always a hit. And if you’re in the mood for a scenic ride and quality dining, our All Aboard: The Best of Boone day trip on the famous Boone & Scenic Valley Railroad is the perfect getaway. All day trip details on page 20. Be sure to stop by for free sweet corn during our Customer Appreciation Day in July and August – we can’t wait to celebrate you! We will be serving up summer’s favorite flavor with plenty of smiles. Full details on page 7.
Here’s to sunshine, friendship, and making memories.
See you soon, Friends!
Katie Harris Friends Club Director
2
Friends Club News
IN THIS ISSUE
What's on the cover? Friends Club members had the opportunity to build their own succulent gardens with guidance from the folks at Monarch Nursery and Garden Center!
4 MEMBER SPOTLIGHT: TINA KOEPNICK
6 EVENTS
16 FROM DEPOT TO DRUGSTORE: WILLIAMSURG’S LIVING HISTORY
18 DAY TRIPS
22 RETIRING IN A ROCKY MARKET
24 TRAVELING WITH FRIENDS CLUB
26 FUN AND GAMES
27 POLICIES AND PROCEDURES
3
Produced in partnership with Star Destinations
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 Friends Club Member Spotlight! Each quarter, we will feature an employee-nominated Friends Club member who is fostering community growth through volunteerism and 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 Tina Koepnick from Iowa City, IA . A retired high school biology teacher, she volunteers as a side walker, horse lead, and team lead for classes at Miracles in Motion – an equestrian therapy organization in Swisher, IA that serves individuals with physical, cognitive, and social challenges, as well as those with chronic conditions, veterans, first Member Spotlight Tina Koepnick
responders, and caregivers. Tell us a bit about yourself Tina: How did you end up in Southeast Iowa? I grew up in central Iowa (Ankeny), and came to the University of Iowa, where I met my husband. He also became a high school biology teacher at City High, and we worked there together for 36 years. Ankeny was a lot smaller when I
grew up there, and the community bank was the lifeblood of the town. So as we put down roots here in Iowa City, that was something I sought out with Hills Bank. Why was banking with a community bank important to you? I love walking into the bank and seeing former students, or my
neighbors, or the employees that would come down every August and serve us breakfast at the schools. Hills Bank has really been there for me as my life has gone along: all our home mortgages, our children’s Penny Saver accounts, and even when my mom was reaching the end of her life – all the financial things you have to do were taken care of by the folks at Hills Bank.
4
Friends Club News
t:
Visit Miracles in Motion with Friends Club. Tour details on page 15!
Can you tell us what organizations you volunteer with? Along with Miracles in Motion, I’m very active in my church (Congregational United Church of Christ) as a moderator. Essentially, I work with boards across the organization that are doing independent work as something like a council leader or president. And of course I can’t stop teaching: I teach Sunday school every week because I just love the kiddos. How has volunteering with Miracles in Motion enriched your life? It gives me a pleasure and a feeling of accomplishment that you don’t get in many other ways. As a teacher, you see what your work does for the people who are growing and developing in your classes. But as a volunteer, I get to see the growth in the kids we serve as well as their families. It’s so rewarding to see people from all walks of life who are devoted to giving their loved ones this great experience.
Plus, I get free therapy [laughs]. You know, horse therapy has served me well in a lot of areas in my life. The last couple of years of my mom’s life were difficult, and this place was just far enough to get away and use my energies in a different manner – and get a lot of good feelings back again. Volunteering really helped me during that time. Who inspires you in our community? In my retirement years, I’m inspired by those people who have found areas to not only enrich their lives, but to enrich our community, whether through volunteering, charitable giving, activism, or other community work. These are retired
folks who could be relaxing and taking it easy, but they’ve really considered what they want to do with the time and money they have and want to use those things to make their communities better. What’s your favorite part of Friends Club? I just got in – and I’m very excited! I thoroughly enjoy connecting with people from different walks of life, and I just find it fascinating to sit down and have conversations about their lives and experiences. I’m looking forward to group tours and other experiences where I can meet people!
Thank you, Tina, for your volunteer work and for fostering growth here in Southeast Iowa. A $250 donation has been made to Miracles in Motion to show our support for the work you do in our community!
3RD QUARTER 2025
JULY - SEPTEMBER LOCAL EVENTS Experience your local community, spark your curiosity with an educational presentation, or try a completely new experience with Friends Club!
HOW TO REGISTER To register, please email
FriendsClub@HillsBank.com or call 319-679-2103 . Please provide your name, phone number, and email. Registration is required for all events. Space is limited.
Guest Policy Events are available exclusively for Hills Bank Friends Club members unless “Guests Welcome” is listed in the description. Friends Club member attending independently is allowed to bring one non-member guest. A non-member may be charged more than a member. Please let us know you are coming so we can ensure the best experiences for our members, from adequate parking to comfortable seating.
6
Friends Club News
JULY & AUGUST
CUSTOMER Appreciation Day
MULTIPLE LOCATIONS Friday, July 25th & August 1st
Nearly 45,000 ears of sweet corn will be given to community members at Hills Bank’s annual Customer Appreciation Day celebration on July 25th and August 1st. Employees bag bundles of corn in reusable bags to hand to anyone that stops by our offices throughout the Corridor. “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 Executive Officer of Hills Bank. “We’ve given out Iowa- grown sweet corn for over a decade thanks to a partnership with local farmers.” JULY 25TH Available at our Iowa City, North Liberty, and Coralville locations. AUGUST 1ST Available at our Marion, Cedar Rapids, Mount Vernon, Lisbon, Hills, Washington, Kalona, Wellman, and Williamsburg locations. No registration required. Customer Appreciation Day is open to all bank visitors.
7
3rd Quarter 2025
JULY- SEPT
HILLS BANK
BINGO B I N G O is coming to a Hills Bank location near you! Register for any of the bingo events listed below to reserve your spot. Register prior to each event date.
MARION 3204 7th Ave Friday, July 25 at 9:00 a.m. NORTH LIBERTY 590 W Forevergreen Rd Friday, August 22 at 9:30 a.m. MOUNT VERNON 720 First Ave SE Friday, September 5 at 10:00 a.m.
WASHINGTON 2481 IA-92 Friday, September 12 at 9:30 a.m. CEDAR RAPIDS Villas at Stoney Point 1818 Stoney Point Rd SW Friday, September 19 at 10:30 a.m.
To register, please email FriendsClub@HillsBank.com or call 319-679-2103 . Please provide your name, phone number, and email.
8
Friends Club News
JOHNSON COUNTY WALKING GROUP THREE ROTATING LOCATIONS: 1. Terry Trueblood Recreation Area 579 McCollister Blvd, Iowa City 2. Clear Creek Trail at the Tom Harkin trailhead 719 Camp Cardinal Blvd, Coralville 3. Iowa City Park starting at The Riverside Festival Stage 200 Park Road Lower City Park, Iowa City Thursdays at 9:00 a.m. 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. Weather permitting. Unlimited guests welcome. Register today to receive any updates or communications for participants regarding which location the group is meeting, time changes, and more!
JULY 10
JULY 18
OLD FASHIONED SODA SOCIAL HISTORIC PETERSON DRUG CO 14 Elm St, Williamsburg Friday, July 18 from 2:30-3:30 p.m.
Get ready for some nostalgia on The Square as the Williamsburg Historical Society welcomes us into the restored Peterson Drug Company, an old-fashioned drugstore. Belly up to the original soda fountain bar and fill your glass with soda from Millstream Brewing Co., a local Amana microbrewery. From 100-year-old prescription orders and classic products from the original Peterson Drug Company, to vintage signage and beautiful historic design, you’ll feel like you stepped back in time with friends. The Williamsburg Historical Society Museum and Watts/Miller Hospital will also be open to tour. Stick around for Williamsburg’s iconic 3rd Friday on the Square event that evening following the social. Unlimited guests welcome. Grandkid friendly. No registration required.
9
JULY 24
BEAK TO BEAK WITH IOWA’S RAPTORS NORTH LIBERTY HILLS BANK COMMUNITY ROOM 590 W Forevergreen Rd Thursday, July 24 at 10:00 a.m. The Iowa Raptor Project is giving Friends Club an up-close introduction to three of their live, feathered friends! Come learn about live birds of prey, their amazing adaptations, and explore ways you can enjoy and protect birds of prey and their natural habitats. Perfect for grandchildren, nature lovers, bird watchers, and curious learners! No cost to attend. Grandkid friendly (recommended for age 2+). Register by Tuesday, July 22.
JULY 31 APTOR PROJECT irds of prey with the Iowa Raptor Project! Get an up-close ssador s while we discuss their amazing adaptations and joy and protect birds of prey and their natural habitats.
PEDALING TOWARD COMMUNITY WITH CYCLING
WITHOUT AGE (CWA) HILLS BANK COMMUNITY ROOM 1401 S Gilbert St, Iowa City Thursday, July 31 at 2:00 p.m.
202 5 | 12 p .m.– 1 p.m. EB enter ts Rd , Dubuque , IA 52 003
Founded in Denmark in 2012 and now active in 41 countries, Cycling Without Age (CWA) is on a mission to reduce social isolation and promote health, connection, and access to nature – one bike ride at a time. Join us to hear from the founders of CWA@Bike Library , Iowa’s first community-based affiliate. Since 2024, this Iowa City chapter has been using a specially designed e-trishaw bike to connect enthusiastic volunteer pilots with individuals who can no longer cycle on their own due to age or mobility challenges. Whether you're a cycling enthusiast or simply curious about this inspiring movement, come learn how Cycling Without Age is bringing the joy of biking to our community. Guests welcome. Register by Tuesday, July 29.
/IOWA-RAPTOR-PROJECT attend all University of Iowa-sponsored events. s a reasonable accommodation in order to WILD in advance at (319) 467-3287 .
10
AUGUST 14
STEEPED IN THE WILD F.W. KENT PARK, WHIP-POOR-WILLOW SHELTER 2048 US-6 NW, Oxford Thursday, August 14 at 10:00 – 11:30 a.m. Featured Speaker: Fred Meyer with Backyard Abundance Join us for a hands-on wild tea foraging class and sensory tea party celebrating the flavors of native plants and common “weeds.” You'll gather, brew, and taste nutrient-rich herbal teas – all supplies provided – as you connect with nature and friends in a relaxed, welcoming setting. Bring a picnic lunch to enjoy afterward if you’d like. Grandkid friendly (recommended for age 2+). No cost to attend. Map and parking instructions will be provided to registrants. Register by Monday, August 11. SMART STRATEGIES FOR SHIFTING MARKETS NORTH LIBERTY HILLS BANK COMMUNITY ROOM 590 W Forevergreen Rd Wednesday, August 20 at 10:00 a.m. Dealing with market volatility is part of every long-term investor’s experience and should be part of ongoing planning discussions. In this educational session, Hills Bank’s Wealth Management team will share lessons for investors that stand the test of time, focusing on the importance of asset allocation and other strategies that help drive positive investment outcomes. Come learn practical approaches that can help you feel more prepared and informed in today’s changing market landscape. Guests welcome. Register by Monday, August 18. 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.
AUGUST 20
11
3rd Quarter 2025
AUGUST 17
Sunday Funday at the Ballpark WITH THE CEDAR RAPIDS KERNELS
VETERANS MEMORIAL STADIUM 950 Rockford Rd. SW, Cedar Rapids
Sunday, August 17, Gate Opens at 12:00 p.m. Step up to the plate for an unforgettable afternoon with the Cedar Rapids Kernels in the Grand Slam Suite : your front-row seat to fun, food, and fastballs! Enjoy the game in style with all-you-can-eat ballpark favorites and bottomless drinks, all from the comfort of the Friends Club’s private, climate-controlled suite. Indoor and outdoor seating included. From sizzling brats to ice-cold brews, we’ve got your game day cravings covered. Space is limited – grab your spot and get ready for a grand slam of a Sunday! • Children 5 and under are FREE! • Food & drinks served from gates open through the end of the game • Relax, eat, and root for the Kernels in comfort! Cost is $50 per member; $65 per non-member , payable upon registration. Grandchildren 5 and under are free (limit 2 per member). Cost includes ticket, all-inclusive food and drink, taxes, and gratuities. Register by Wednesday, July 30
12
Friends Club News
BEHIND THE GRAIN: A LEGACY OF WOODWORKERS JK CREATIVE WOOD · 92410 105th St, Kalona Thursday, August 28, 2025 or September 11 at 9:30 a.m. Meet the sixth-generation woodworkers behind local gem JK Creative Wood. Set in the charming Kalona countryside, surrounded by rolling hills and Amish neighbors, you’ll discover the artistry behind their unique, handcrafted products. During the tour, we will be welcomed by owners Joel and Karma Brokaw, hear their story, and learn about the many local artisans they collaborate with. Watch a live demonstration in their workshop, where the artistry comes to life, and have the opportunity to ask questions directly to the family. Following the tour, the gallery and store will be open to explore. This is a rare chance to connect with a time-honored tradition of woodworking and take home a piece of local history! Enjoy fresh Kalona bread and jam while we tour. No cost to attend. Register by Monday, August 25 for one of the tour dates listed above. BRUSHES & BOTANICALS: WATERCOLOR CLASS ROOTED 3.19 945 W Main St, Lisbon Thursday, September 4 from 10:00-11:30 a.m. Escape into a world of color and creativity at Rooted 3.19 Flower Farm in Lisbon, IA. Stroll through the lush flower gardens with owner Liz Reasland as you hand-pick your very own bouquet. After your flowers are arranged to your liking, a local artist will guide you in turning your florals into a stunning watercolor painting. With the farm’s charming beauty as your backdrop, enjoy nature and unleash your inner artist with friends. Conveniently nestled on a main road, it’s the perfect getaway for a little creativity, fresh air, and a lot of fun! Cost is $45 per member; $55 per non-member , payable upon registration. Cost includes you-pick bouquet, watercolor class, and all supplies for your make-and-take watercolor art. Light refreshments provided. Register by Friday, August 29.
AUGUST 28
SEPT 4
13
MAGIC LANTERN SHOW AINSWORTH OPERA HOUSE 284 N Railroad St, Ainsworth Thursday, September 18 at 1:30 p.m. Experience what cinema was like before the advent of the film we know today, as historian and collector Michael Zahs presents a live Magic Lantern show . Magic Lanterns are one of the oldest forms of moving picture entertainment that you’ll experience from a 110+ year old projector. In this immersive event, Zahs will recreate these historic projected shows of the 1800s. You won’t want to miss this chance to “travel back in time” for the afternoon with friends. Refreshments will be served. No cost to attend. Register by Monday, September 15. CLICK SMART, STAY SAFE HILLS BANK COMMUNITY ROOM MARION 3204 7th Ave Wednesday, September 24 at 10:00 a.m. In today’s digital world, protecting your personal information from fraudsters is more important than ever. This engaging and practical session will empower you with the tools and knowledge to secure your electronic devices, recognize common scams, and avoid falling victim to identity theft or fraud in the digital environment. From strong passwords and safe browsing habits, to understanding phishing and other digital threats, you'll walk away with actionable tips to better safeguard your data at home and on the go. Whether you are tech-savvy or just getting started, this class is designed for all experience levels. Guests welcome. Register by Monday, September 22.
SEPT 18
SEPT 24
14
Friends Club News
DRIVING THE FUTURE NORTH LIBERTY HILLS BANK COMMUNITY ROOM 590 W Forevergreen Rd · September 26th 10:00-11:30 a.m. With experiments dating back to the 1930s, automotive automation has been a focus for engineers and researchers for decades. Today, more than ever, automated vehicles are in the spotlight— but what do the experts have to say? Spend the morning with Daniel V. McGehee , director of the Driving Safety Research Institute and professor of industrial and systems engineering, emergency medicine, public health, and public policy at the University of Iowa. Dan will guide us through the history of vehicle automation, explain what automation really means, and introduce us to cutting-edge technologies currently in production. From past to present to future, discover the inspiring work in automation happening both in our home state and around the world. Following the presentation, attendees will have the opportunity to view one of the Driving Safety Research Institute’s automated vehicles. Register by Tuesday, September 23. REINING IN MIRACLES MIRACLES IN MOTION 2049 120th St NW, Swisher Thursday, October 2 at 10:00 a.m. Take a behind-the-scenes tour of Miracles in Motion, a therapeutic equestrian center where lives change one stride at a time. You’ll meet the horses, explore the grounds, and discover how movement, connection, and care create powerful moments of growth for people of all ages and abilities. It’s a feel-good, hoof-on-the-ground look at the heart of this incredible organization – and the people who make it all happen. The facility is fully ADA-accessible. Register by Tuesday, September 30.
SEPT 26
OCT 2
15
3rd Quarter 2025
From Depot to Drugstor Williamsburg’s Living Histo
For some in Eastern Iowa, Williamsburg is better known for the outlet mall just off I-80 than the place itself a few miles down the road. But take some time to explore this charming town of 3,350 and you’ll find a place where history lives – and community thrives. It starts with Williamsburg’s town square, a green space crossed by walking paths and surrounded by storefronts old and new. Families meander along the sidewalks and paths connecting the gift and hobby shops, restaurants, banks, and the bustling local coffee spot, which shares a wall with the former Peterson Drug Company and the upstairs hospital/dentist’s office/maternity ward. It’s here and in the storefronts next door that the Williamsburg Historical Society (WHS) has set up shop. Part museum, part archive, and part genealogy office, the Society is committed to helping anyone who comes looking for information. “We started this work to prepare for the Sesquicentennial (150th anniversary) of Williamsburg in 2007, and it really evolved from there,” said Mary Miller, Vice President of the WHS. The WHS’s museum hosts a variety of unique memorabilia, most of it local to the area. School outfits, historical artifacts, military uniforms and materials dating back to the Civil War, and even a collection of Iowa County Indian arrows are among the items you’ll find.
16
Now, with the donation of the entire Iowa County genealogical and historical collection of Netha Meyer, the Society’s collection includes: • Over 33,000 obituaries • Thousands of family histories • Original research gathered through requests over the years • A fully searchable, digitized collection of Williamsburg and Marengo newspapers Along with its presence on the Williamsburg square, the WHS also maintains a representative train depot and one-room schoolhouse nearby. When you enter these
re: ory
places, it feels like stepping into a building-sized time capsule. In the depot, handwritten timetables and punched train tickets are posted around the counter. An original bench features a flippable backrest (so those waiting for trains could see
Tour with Friends Club! Details on page 9
them comfortably no matter which direction they were coming from). And an automatic telegraph machine writes out “Welcome to Williamsburg” in crisp, staccato taps. At the WHS museum, Mary says, kids on school field trips are fascinated by these sorts of tactile devices. Most have never seen a working typewriter or rotary phone before – some of them, not even a landline phone. On the other hand, the place stirs memories for those of a certain age on class reunion tours. In the maternity ward, a set of metal cribs sits next to a brass-colored baby incubator that looks more like a bread box. It’s evocative of a time that feels distant but is still in living memory. “I’ve had people tell me, ‘I had to stay in this ward for a month as a baby.” Mary said. “And I tell them, ‘You probably stayed right here.” It’s a place that brings the past to life, connecting generations of Williamsburg residents through shared spaces and memories. And people like Mary would love to give you a tour.
17
Board a motorcoach and let Friends Club handle the rest. These one-day trips are the perfect mini getaway! DAY TRIPS
How to Register: Email FriendsClub@HillsBank.com or call 319-679-2103. Provide your full name , phone number , and email address . Payment: You will be asked to complete your payment at the time of registration, just let us know which Hills Bank account to charge. • Payment confirmation, itinerary, parking details, and terms and conditions for the below day trips will be mailed to registrants after payment is complete. Guest Policy: Day trips are available exclusively for Hills Bank Friends Club members; however, a Friends Club member traveling independently is allowed to bring one guest. A non-member may be charged more than a member. Pick-Up Locations: Day trips will depart from and return to River of Life Church in Cedar Rapids Johnson County Fairgrounds in Iowa City Specific times will be communicated to registrants.
By attending any Hills Bank Friends Club Day Trip, you agree and consent to Hills Bank’s Terms and Conditions on page 31. A copy of the complete Day Trip Terms and Conditions will be mailed to registrants.
18
Friends Club News
Iowa State Fair Des Moines, IA Wednesday, August 13
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! Grandkid friendly (recommended for age 4+). Cost is $65 per member; $75 per non-member, payable upon registration. Cost includes motorcoach transportation, fair ticket, taxes, and gratuities.
Photo Credit: Iowa State Fair
Register by Friday, July 18.
Mary Poppins Circa 21 Dinner Playhouse, Rock Island, IL Wednesday, August 27 Everyone’s favorite practically perfect nanny takes the stage in this Supercalifragilisticexpialidocious musical adventure. Young Jane and Michael have sent many a nanny packing before Mary Poppins arrives on their doorstep. Using a combination of memorable adventures, magic, and common sense, she must teach the family members how to value each other again. Featuring beloved music by The Sherman Brothers, such as “Spoonful of Sugar,” “Jolly Holiday,” “Step in Time,” “Feed the Birds,” and “Let’s Go Fly a Kite,” it’s no wonder this enchanting musical received nominations for 9 Olivier and 7 Tony Awards, including Best Musical. Grandkid friendly (recommended for age 9+). Cost is $125 per member; $135 per non- member, payable upon registration. Cost includes motorcoach transportation, matinee show, meal, taxes, and gratuities.
Register by Thursday, July 31.
19
Come From Away Circa 21 Dinner Playhouse, Rock Island, IL Wednesday, September 17 This beautiful musical tells a true story that has become something of a legend: on Sept. 11, 2001, the residents of the isolated, small town of Gander, Newfoundland played host to the world when 38 planes, carrying thousands of people from around the globe, were diverted to tiny Gander’s airstrip on a moment’s notice. In the week after 9/11, residents banded together to house, clothe, and feed nearly 7,000 stranded travelers, building lasting connections with them through empathy, music and an open bar. Come From Away has itself become a symbol of generosity and connection, and the show is known for offering one of the most heartwarming evenings available at a theatre. Cost is $125 per member; $135 per non-member, payable upon registration . Cost includes motorcoach transportation, matinee show, meal, taxes, and gratuities. All Aboard: The Best of Boone Boone, IA Thursday, September 25 Register by Friday, August 15. Spend a day exploring the best of Boone – where natural beauty, local history, and small-town charm come together. We’ll start the day at Ledges State Park, a natural gem where sandstone cliffs, lush woodlands, and quiet river views highlight the peaceful beauty of this historic landscape. Then it’s all aboard for our private lunch charter on the historic Boone & Scenic Valley Railroad, where views and a delicious on-board meal promise to be the showstopper of the day. Afterward, we’ll visit the Mamie Doud Eisenhower Birthplace, a beautifully preserved home honoring the early life of the beloved First Lady. We’ll wrap up the day at the Boone County Historical Museum, where the rich stories of Iowa’s past come to life. From quiet trails to rolling tracks, it’s a tour through the heart of Iowa you won’t forget. Cost is $145 per member; $155 per non-member, payable upon registration. Cost includes motorcoach transportation, train ticket, admission to all attractions, local guides, lunch meal, taxes, and gratuities. Register by Thursday, August 21.
20
It’s A Mystery: History Day Trip Featured Guide Michael Zahs Wednesday, October 8
Explore Southeast Iowa with local historian Michael Zahs as he takes us on another wild adventure through the lesser known marvels of our state! We will journey south to enjoy unique museums, historic sites, fascinating memorials, iconic Iowa marvels, little known stories of Iowans from the past, and so much more. Highlights include visiting the largest “horse” in the state, seeing where the first American flag was flown in Iowa, and spotting one of the most unbelievably crooked and curious spots in America. Can you guess where we are going? Embrace the unknown on this day full of surprises, with many stories to share. Cost is $85 per member; $95 per non- member, payable upon registration. Cost includes motorcoach transportation, meal, admission to all attractions, taxes, and gratuities.
Register by Tuesday, September 2.
Fall Foliage Cruise Celebration River Cruises – Moline, IL Wednesday, October 22 Set sail on a relaxing autumn escape along the mighty Mississippi River from Moline, IL to Muscatine, IA! This scenic 3-hour cruise offers a front-row seat to the vibrant fall colors reflecting off the water, creating a breathtaking backdrop for your journey. As you glide upriver, enjoy live onboard entertainment performing your favorite tunes – perfect for toe-tapping or simply soaking in the seasonal ambience. Lunch is included and served onboard. Whether you're snapping photos, enjoying the music, or just taking in the crisp autumn air, this cruise is a beautiful way to celebrate the season. Cost is $138 per member; $148 per non-member, payable upon registration. Cost includes motorcoach transportation, matinee cruise, meal, taxes, and gratuities.
Register by Monday, September 19.
21
Retiring in a Rocky Market by the Hills Bank Wealth Management Team
your best not to let emotions dictate when or if you sell assets, preventing the potential of turning short-term volatility into lasting damage. Time Withdrawals Strategically There are ways to time your withdrawals strategically to help your most volatile investments rebound with the market; seek advice from a professional before making any drastic decisions to your investment or withdrawal strategies. In general, however, to help protect the wealth you’ve built, one approach is to delay withdrawing from the most affected parts of your portfolio; these are the assets that lose value quickly during downturns like individual stocks, stock mutual funds, and ETFs. If you need to withdraw, do so from the least-affected parts of your portfolio first. Things like cash or money market funds, and fixed- income investments, like bonds or bond funds, tend to be more stable than stocks and don’t fluctuate as dramatically during downturns. Using these funds for your living expenses gives your stock-based investments time to recover, rather than forcing you to sell them at a loss.
If you’re getting ready to retire – or already enjoying retirement – seeing your account balances drop stirs up anxiety, uncertainty, even fear. Fortunately, there are things you can do to regain a sense of control and stay on track. While market downturns are unsettling, there are strategies you can use to lessen the impact on your retirement. The key is knowing how to respond with purpose, not panic. It’s not about drastic moves; it’s about flexibility, staying informed, and protecting the long-term health of your retirement. Risks of Selling in a Down Market Before taking any action, it is important to understand the risk of selling investments during a downturn. Sometimes investors react to a market downturn by selling stocks, trying to protect what they’ve saved. But by selling early, you lock in a low value that might have been temporary. If you’ve been investing for years, your portfolio could include a lot of long- term growth. When you sell during a dip, you take a hit and miss out on a chance for those investments to recover when the market rebounds. Do
22
Friends Club News
Utilize the Bucket Strategy The bucket strategy divides your retirement savings into three time-based “buckets” – each designed to serve a different purpose based on when you’ll need the money and your risk tolerance. Bucket 1: Short-Term (0–2 years)
Bucket 2: Mid-Term (3–5 years) This middle bucket is meant to be more stable than stocks but offer a little more growth than cash. It serves as a bridge between your short-term needs and long-term goals. Use this bucket for near-future spending that doesn’t need to be accessed immediately.
Bucket 3: Long-Term (5+ years) This is where you keep the investments with the most potential to grow—but also the most potential to swing during downturns. Try not to touch this bucket during volatile periods; let it recover and grow over the years, replenishing the other buckets as needed when the market is stronger.
This bucket gives you easy access to funds when you need them, without having to sell investments during a market dip. Having funds for essential expenses in this bucket helps you ride out short-term volatility. Use this bucket for daily expenses and immediate income needs.
During a market dip, you can pull from your short- or mid-term buckets to avoid selling long-term investments at a loss. This preserves your growth assets for future years when the market is more likely to recover. You’ve Planned for This – Now Protect It Market downturns are unsettling, especially when you’re no longer earning a paycheck and relying on savings to support your lifestyle. But your retirement plan was built with ups and downs in mind. With the right strategies in place, you can navigate even the rockiest markets with confidence. If you have further questions about these strategies, 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. Financial Wellness Virtual Class Financial Planning: Why and How September 11, 2025 | 12:00 - 12:30 P.M. Have you ever wondered: • Will I have enough money to retire? • At what age can I retire? REGISTER
3rd Quarter 2025 • How much do I need to save and invest to meet my goals? Financial planning is a beneficial process to help answer these questions. Please join Todd Joslin, Certified Financial Planner® and Wealth Management Officer at Hills Bank to learn the benefits of a tailored financial plan and the tools & resources available to you.
23
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.
TRAVELING with Friends Club
2026 Lineup
HOW TO REGISTER Friends Club 2026 tour details and registration forms are available online at hillsbank.com/friends-club-travel . It is quick and easy to learn about all our tours and register in one place! Note: Registrants must return deposit and any related forms within two weeks of registration; Spots will not be held without a paid deposit.
Questions?
friendsclub@hillsbank.com 319-679-5323
Celtic Treasures: From Edinburgh to Dublin April 19 - 28 Waitlist Only It's a Mystery! June 9 - 13 Waitlist Only American Nostalgia on Route 66 September 27 - October 4
More 2026 tours available at HillsBank.com/Friends-Club-Travel
24
Friends Club News
Coastal New England: Through Time & Tide August 1-8, 2026
Double Occupancy: $4,985/person Single Occupancy: $8,799/person
Few Spots Remain!
Discover the charm of New England’s scenic coastline on this unforgettable journey through Massachusetts and Maine. From whale-watching off Gloucester’s storied shores and wandering the historic streets of Salem to savoring a traditional Downeast clam bake on Cabbage Island, each day reveals a new coastal treasure. Explore postcard-perfect villages like Kennebunkport and Ogunquit, where lighthouses stand watch over rocky shores and the sea breeze carries the scent of salt and pine. As the road winds north, immerse yourself in the natural splendor of Acadia National Park, where panoramic views from Cadillac Mountain and the thunder of waves at Thunder Hole stir the soul. Stroll the cobbled streets of Portland’s Old Port, visit the iconic Portland Head Light, and reflect on American legacy at the John F. Kennedy Presidential Library. With its blend of maritime history, breathtaking landscapes, and timeless seaside charm, this journey through New England is a celebration of life along the tide.
Full itinerary and brochures available at HillsBank.com/Friends-Club-Travel
25
Still looking for the hidden needles in the spring newsletter? Check out page 3 and 17. Our lucky winners were: Anita C. (North Liberty, IA) and Donald S. (Cedar Rapids, 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. You’ll be entered into a drawing to win a $25 gift card for each needle you find. There will be two winners this time! HIDDEN NEEDLE HUNT
(sample needle)
NEW WAY TO SUBMIT YOUR GUESS Email Games@HillsBank.com or call 319-679-2101 . 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.
26
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 your 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! Wait lists 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.
27
3rd Quarter 2025
Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28Made with FlippingBook - Online catalogs