Friends Club Newsletter

Q uarter T wo 2018

2019 Trips are on the Horizon

Featured Extended Travel

2018

Chicago Page 14

Japan Page 15

Arbor Day Page 16

Kansas City Page 17

Rose Parade Page 18

2019

Travel Show and Listing Pages 19-21

Cruises Pages 22-25

Comments from Karissa New Voices You may have noticed some new voices when you call in to register for an event or trip. These recently added Friends Club representatives are here to help answer your calls, which will make leaving a voice message less likely. These personal bankers are well-versed in our events and trips and will make sure to work with you on getting your requests fulfilled and questions answered. You will notice some of the events and trips in this newsletter have individual numbers and email addresses, but you can always call the Friends Club call group at 319-679-2103 to ensure you talk with someone live. You may also send an email to FriendsClub@HillsBank.com. Few Spots Remain—Join Us in 2018! Be sure to check out our featured 2018 travel on pages 14-18. We have a few spots remaining for Japan, Arbor Day Farm in Nebraska City, Kansas City, MO, and the Rose Parade. If you are strongly considering one of these trips, simply call for a detailed brochure to learn more! 2019 is on the Horizon We are thrilled to share the Friends Club 2019 travel line-up with you! You’ll read a bit more about the featured 2019 cruises in this newsletter, but for now, we are sharing the entire 2019 listing. You’ll find this information starting on page 19. We hope you find a destination of interest!

Sincerely,

Karissa Wikert

2019 Friends Club Travel Preview Show Monday, April 23, at 6:00 p.m. at Hills Bank in North Liberty (590 W Forevergreen Rd.) Register with Karissa Wikert at 319-358-2230 or Karissa_Wikert@HillsBank.com. 3

LOCAL EVENTS

The Smithsonian is coming to Mount Vernon! First Street Community Center (221 1st St NE, Mount Vernon) Friday, April 20, 10:00 a.m.-4:00 p.m.

Stop by for Friends Club Day with the Smithsonian, featuring the exhibit: Hometown Teams: How Sports Shape America . Local exhibits will accompany the Smithsonian display, sharing stories of local heroes, game winning shots, and many others. The city of Mount Vernon was specially selected to host this exhibit, and the event will appeal to sports fanatics, history buffs, and Iowans of all backgrounds. The exhibit will be available for viewing March 18-April 30. Those who attend on April 20 are encouraged to register to win a gift basket from Hills Bank. No reservation necessary. For questions, contact 319-866-7033 or Brenda_Langenberg@HillsBank.com.

Sip and Sample with Fireside Winery Hills Bank in Iowa City (1401 S Gilbert St) Tuesday, April 24, 6:30 p.m.

Guests are invited to sample a variety of wines from Fireside Winery while enjoying friendly company and conversation. All palettes will be pleased with samples of Fireside’s red, white, dry, and sweet varieties. Register with a Friends Club representative at 319-679-2103 or Jaime_Roberts@HillsBank.com.

Community Book Discussion Cole Library, second floor (600 1st St, Mount Vernon) Thursday, April 26, 12:00-1:00 p.m.

This annual Community Book Talk will feature several great books with speakers Cathy Boggs, Public Librarian/Director, and Greg Cotton, College Librarian, leading a discussion of several literary works. If you’re in need of a reading recommendation, this event can be a great way to get started! Hills Bank will provide lunch. Space is limited. Register by Tuesday, April 24 with a Friends Club representative at 319-866-7066 or Janet_Dohmen@HillsBank.com.

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Friends Club News

Brush & Barrel Brush & Barrel Studio (408 1st Ave, Coralville) Thursday, May 10, 10:00 a.m.

An instructor will guide participants step-by-step through painting a featured design. This class requires no artistic ability and encourages participants to enjoy the fun, stress-free side of painting and art. All participants can take home their newly painted artwork at the end of the class. The cost is $15 for Friends Club members and $20 for non-members. The event includes exclusive use of the studio, all painting supplies, guided instructions, and a complementary beverage of wine, beer, or a soft drink. Light snacks will be provided. Register with a Friends Club representative at 319-679-2115 or Jean_Lenz@HillsBank.com.

Bingo at the Mellow Mushroom Mellow Mushroom at Coral Ridge Mall (1451 Coral Ridge Ave) Thursday, May 10, 3:00-5:00 p.m. Mellow may be in the name, but this bingo game will be anything but that! Expect an afternoon of fun, bingo, and fabulous prizes in Mellow Mushroom’s relaxing restaurant atmosphere. A drink and a variety of delicious appetizers will be provided to all attendees. Register with a Friends Club representative at 319-358-6138 or Stacey_Bradley@HillsBank.com.

Honoring our Mothers and Grandmothers Hills Bank in Mount Vernon (720 1st Ave) Friday, May 11, 2:00 p.m.

Do you remember Grandma sitting with her needlework? Maybe you’ve cherished a handmade knitted or crocheted blanket. Local curator Doris Montag will share her personal collection of crocheted pillowcases, doilies, pot holders, and delicate tatted handkerchiefs. Doris will install a “pop-up” exhibit and narrate her research on the history of thread and needlework tools and patterns. Her extensive collection of ordinary and unusual items will bring back memories and stories. This event is ideal for mothers, daughters, and granddaughters. Doris will create an educational and entertaining hour reminiscing with needlework. Register with a Friends Club representative at 319-679-2103 or at Janet_Dohmen@HillsBank.com.

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2nd Quarter 2018

Let’s Play Pickleball! Robert E Lee Rec Center (220 S Gilbert St, Iowa City) Monday, May 14, 9:00-11:00 a.m. Wednesday, May 16, 9:00-11:00 a.m. Friday, May 18, 9:00-11:00 a.m.

Considered one of America’s fastest growing sports, pickleball is a mini version of tennis played on a badminton-size court. The sport may have a funny name, but the competition is serious! Players can expect a fast-paced game, great exercise, and lots of fun. Pickleball is easy to learn and considered less complicated than tennis with longer-lasting rallies. Johnson County alone boasts over 150 pickleball players whose ages range mostly in the 50’s, 60’s, and 70’s. Paddles and balls will be supplied, but please wear appropriate clothing and shoes. After class, the gym will remain open for an extra hour of free practice. Cost is $10 for Friends Club members and $15 for non-members. Space is limited to 9 students. Register with a Friends Club representative at 319-679-2128 or Kelsey_Redlinger@HillsBank.com.

Card Making Class Hills Bank in North Liberty (590 Forevergreen Rd) Tuesday, May 15, 3:00 p.m. or 6:00 p.m.

Sending a card for a special occasion, birthday, or simply to let someone know they’re in your thoughts can easily brighten a person’s day. Make your personalized greetings even more heartfelt by sending your message on a customized card. Participants will create 4 personalized cards. Supplies and light refreshments will be provided. Cost is $10 for members and $15 for non-members. Register with Sue Votroubek at 319-626-8760 or Sue_Votroubek@HillsBank.com.

Wine Tasting at Secret Cellar The Secret Cellar (1205 Curtis Bridge Rd NE Shueyville/Swisher) Tuesday, May 15, 6:00-7:30 p.m.

Whether you’re a self-proclaimed sommelier or you simply like the taste of wine, The Secret Cellar will explain how to discern different flavors and regions while attendees sample wine paired with bite-size foods. This is a great opportunity to meet other wine-lovers and try The Secret Cellar’s assorted wine collection. The event will be held in the Secret Cellar’s garden, and hors d'oeuvres and wine will be provided. Space is limited. Register with a Friends Club representative at 319-679-2103 or Crystal_Stick@HillsBank.com.

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Friends Club News

The History of Abraham Lincoln’s Grandchildren in Iowa Hills Bank in Washington (2481 Hwy 92 E) Wednesday, May 16, 1:00 p.m.

In the fall of 1868, Miss Mary Harlan, daughter of Senator and Mrs. James Harlan of Iowa, was united in marriage to Mr. Robert Todd Lincoln, eldest son of the former President Abraham and his wife, Mary Lincoln. The family made their home in Chicago but Mary Harlan Lincoln loved bringing her children to their maternal grandparents’ home in Mt. Pleasant. The three children, two girls and a boy, were the only grandchildren of both the Harlans and the Lincolns. The children enjoyed the freedom afforded by the Henry County town during lazy summer days and throughout the year. Join speaker Paul Juhl as he recollects the lives and experiences of Lincoln’s grandchildren through stories and photographs. Light refreshments will be served. Register with a Friends Club representative at 319-863-7805 or Elaine_Moore@HillsBank.com.

Tour the Historic Brown Street Inn Brown Street Inn (430 Brown St, Iowa City) Thursday, May 17, 5:00 p.m.

Join us for an evening of casual elegance at Iowa City’s historic Brown Street Inn. This 1913 Gambrel Cottage Style Mansion is on a quiet street in the Brown Street Historical District. Innkeepers Mark Ruggeberg and Bob Brooks will welcome you into their

home for a tour of the Inn’s six elegant rooms. Learn interesting historical details of 430 Brown Street’s previous owners, including: The William Raymond Family, dean of college of engineering; The Nathaniel Alcock Family, Professor and Head

of Urology; The Norman Schaffer Family, President of First National Bank; The Walter Kirkendall Family, Professor of U of I College of Medicine; and the Reaves and Ilene Holbrook Family. You won’t want to miss exploring this beautiful home along with the opportunity to share conversation in the library, dining, and living rooms with other guests while enjoying hors d'oeuvres and wine. If the weather permits,

sit and relax on the beautiful and spacious pillared porch. Be sure to allow ample time for on-street parking, which will be available close to the Inn. Space is limited. Register with a Friends Club representative at 319-688-4701 or Deb_Schaffer@HillsBank.com. Stairs and standing required.

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2nd Quarter 2018

Downsizing, Simplifying, and Planning for Long Term Goals Hills Bank in Kalona (120 5th St) Wednesday, May 23, 3:00-5:00 p.m.

Will you downsize eventually, retire to another location, or live out your days where you are now? What will you do with your belongings and how will you decide what options are best for the future? Are your affairs, wishes, and finances clearly organized so that if an emergency were to happen, loved ones can take proper care of you? In this workshop, Jennifer Robb, a professional organizer and owner of Simple Organizing Strategies and Iowa Professional Organizers LLC, will help us take a look at our thoughts, our material items, our space, and our long term goals. Valuable resources will be given, and two lucky attendees will receive a gift certificate to be used for consultation or hands-on assistance with home or office organizing. Jennifer is ready to help us "get it together” and create positive new organizing routines that are easy to use and maintain. Register with a Friends Club representative at 319-656-5813 or Jalyn_Fuhr@HillsBank.com.

Relax into Yoga Hills Bank in Coralville (1009 2nd St) Tuesday, June 5, 2:00-3:15 p.m.

The practice of yoga relaxes the mind while strengthening and stretching muscles and joints. Esther Retish, experienced yoga instructor from Iowa City and Friends Club member, will lead a beginner’s yoga practice while offering guidance and feedback throughout the class. Most poses can be modified to accommodate every fitness level. Participants can expect a relaxed atmosphere, and Esther’s class will revolve around the attendees’ suggestions and physical needs. This class is limited to 10 participants. Please wear active clothing. Yoga mats will be provided. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Flower Arranging with Willow & Stock Hills Bank in Iowa City (1401 S Gilbert St) Wednesday, June 13, 10:00 a.m.

Take advantage of summer plants by learning to arrange flowers from the pros! Angela from Iowa City’s local flower shop, Willow & Stock, will share her tips and tricks in creating a beautiful flower arrangement using flowers found locally. Angela will guide the class step-by-step and stem by stem with the same flowers for everyone. At the end of class, your freshly arranged creation is yours to take home. Class is limited to 30 participants. Cost is $15 for Friends Club members and $20 for non-members. Register with a Friends Club representative at 319-679-2103 or Jaime_Roberts@HillsBank.com.

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Friends Club News

Beer Tasting with John’s Grocery Hills Bank in Mount Vernon (720 1st Ave) Thursday, June 14, 6:00-8:00 p.m.

Doug Alberhasky, manager of John’s Grocery, will lead a sampling event with several different beer styles. John’s Grocery opened with Doug’s grandfather, John Alberhasky, and has been an Iowa City staple for over 60 years. After graduating from City High in ’87, Doug began working full-time at the store and started managing after his sophomore year at the University of Iowa. An avid beer enthusiast, Doug pairs his beer knowledge and John’s Grocery history for an entertaining and interactive presentation. Light refreshments will be provided to compliment the beer samples. Seating is limited. Register with a Friends Club representative at 319-679-2103 or Michelle_Zaruba@HillsBank.com.

Walking Tour of Marion Uptown Marion Heritage Center (590 10th St) Wednesday, June 20, 11:00-12:30 p.m.

Learn about Marion’s past as a thriving business center in Linn County. From industry growth brought by early railroad construction, to the current business and community expansion, Marion preserves and cherishes history through the many early buildings still standing today. The Marion Historical Society will lead a walking tour through Uptown Marion’s historic 6th Avenue, concluding with a picnic box lunch in the Depot at City Square Park. Before the tour, meet at the Marion Heritage Center for a special exhibit sponsored by Hills Bank: “Art by your Friends and Neighbors.” Register with a Friends Club representative at 319-866-7005 or Sabrina_Martin@HillsBank.com.

Ziplining at Sky Tours YMCA Union Park Camp (Dubuque, IA) Wednesday, June 27

Attention all thrill seekers! Now is your chance to cross ziplining off your bucket list! Experience all 9 ziplines Sky Tours offers on a 2-hour guided tour of historic Union Park. Sky Tour’s certified guides will be there every step of the way to ensure a safe and fun experience on the course. The zipline tour is designed for people of average mobility and strength, who are in reasonably good health, and weigh between 70-270 pounds. For more information, please visit www.skytourszipline.com. Price per person is $115 and includes motorcoach transportation, boxed lunch, ziplining, and all taxes and gratuities. Space is limited. Register with Allison Bates at 319-665-5759 or Allison_Bates@HillsBank.com.

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2nd Quarter 2018

Bingo Parties

March/April Birthdays in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, April 17, 1:30 p.m.

Register by Friday, April 13, with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com.

March/April Birthdays in Mount Vernon (720 1st Ave) Tuesday, April 17, 1:30 p.m. Register by Friday, April 13, with Janet Dohmen at 319-866-7066 or Janet_Dohmen@HillsBank.com. April/May/June Birthdays in Kalona (120 5th St) Thursday, May 3, 8:00 a.m. Register with Jalyn Fuhr at 319-656-5813 or Jalyn_Fuhr@HillsBank.com. March/April/May Birthdays in Washington (2481 Hwy 92 E) Friday, May 4, 9:00 a.m. Register with Elaine Moore at 319-863-7805 or Elaine_Moore@HillsBank.com. April/May/June Birthdays in North Liberty (590 Forevergreen Rd) Thursday, June 14, 10:00 a.m.

Register by Tuesday, June 12, with Sue Votroubek at 319-626-8760 or Sue_Votroubek@HillsBank.com.

May/June Birthday Birthdays in Cedar Rapids (3905 Blairs Ferry Rd NE) Tuesday, June 19, 1:30 p.m. Register by Friday, June 15 with Barb Colehour at 319-447-8407 or Barb_Colehour@HillsBank.com.

May/June Birthdays in Mount Vernon (720 1st Ave) Tuesday, June 19, 1:30 p.m. Register by Friday, June 15, with Janet Dohmen at 319-866-7066 or Janet_Dohmen@HillsBank.com.

Cedar Rapids (3905 Blairs Ferry, lower level) Friday, May 18, 9:00 a.m.; doors open at 8:00 a.m. Friday, July 20, 9:00 a.m.; doors open at 8:00 a.m. Marion (3204 7th Ave.) Friday, April 20, 9:00 a.m.; doors open at 8:00 a.m. Friday, June 15, 9:00 a.m.; doors open at 8:00 a.m.

Mount Vernon (720 1st Ave) Events start at 8:30 a.m.

Friday, April 6 Friday, May 4 Friday, June 1 (Stop in and celebrate Janet Dohmen's retirement!)

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Friends Club News

Why Group Travel with Friends Club? by Karissa Wikert | Friends Club Director

Group travel is rewarding in many ways: • It’s cost-effective. Since everyone shares the cost of accommodations, transportation, food, and tour tickets, travelers save money. Groups, unlike solo travelers, get special rates and discounts offered by hotels, resorts, and airlines. • It encompasses expertise. Group travel through a travel club and agency includes customized itineraries, a professional tour manager, and licensed local guides for sightseeing and tours. • It’s worry-free and care-free. Travelers typically see and do twice as much in a group as they would on their own. Details are planned well in advance, which saves travelers time and stress. • It’s safer. Traveling alone or as a couple—especially in foreign countries—can be risky. Traveling with a group provides safety in numbers, reduces the risk of getting lost, and gives support in the event of sickness or injury. • It enables unique experiences and special considerations. Many times group travel is eligible for certain perks such as special tours and priority services. Airport check-ins and customs agents tend to prioritize group tours so they do not wait in long queues. • It offers socializing and friendship. Whether traveling with old or new friends, group travel makes adventures fun and memorable as travelers experience them with others who share similar interests. Friends Club handles all of the details so members can relax and enjoy the sights, sounds, and experiences of the world around them. • Our trips are very inclusive with no hidden fees or hassles. Often extra money spent beyond the trip price is only on personal items, souvenirs, and any meals and beverages not listed on the itinerary. Everything from gratuities and admission fees to airline flights are included the trip price. • Medical insurance is included in the price of most trips. It covers medical issues that cause travelers to cancel their trip after making final payment and during the trip should they need medical attention. • All trips include free parking at local pick-up locations, where a tour manager will meet the travelers and accompany them throughout the trip. • We contract with an Iowa-based and experienced travel agency to design customized and well-planned itineraries that they have experienced first-hand. While planned activities and free time are well-balanced, travelers are free to opt-out of group activities based on individual preferences. • In preparation for our trips, we provide a detailed booklet that includes travel tips, frequently asked questions, and a daily itinerary. For trips involving flights, we hold a pre-departure meeting to discuss the travel booklet, answer questions, and introduce travelers to their travel group. • Often deposits are fully refundable if travelers need to cancel before the final payment.

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2nd Quarter 2018

DAY TRIPS

Discounted Tickets—Chicago Symphony Orchestra FEW TICKETS REMAIN Hancher Auditorium, Iowa City Sunday, May 6, 3:00 p.m.

Founded in 1891, the Chicago Symphony Orchestra is consistently recognized as one of the great orchestras in the world. The musicians showcase a vast repertoire that spans from Baroque to new music, thrilling audiences at home and in great concert halls across the globe. Led by conductor Semyon Bychkov, the orchestra will be joined by sisters Katia and Marielle Labèque, who, according to the New York Times, are “the best piano duo in front of an audience today.” The discounted group ticket price for Parterre Zone 1 seating is $82 per person. Place your order with a Friends Club representative at 319- 679-2103 or at FriendsClub@HillsBank.com. Payment will be due upon ordering with Hills Bank Friends Club and tickets can be picked up at Hancher’s Will Call window within two hours prior to the show’s start time.

Bridges of Madison County Circa ’21 Dinner Playhouse, Rock Island IL Wednesday, May 30

Based on the best-selling novel, and developed by the award-winning creative team of Jason Robert Brown and Marsha Norman, Bridges of Madison County captures the lyrical expanse of America's heartland while bringing up the eternal question "What if...?" Winner of the 2014 Tony Award for Best Score and Orchestrations, this sweeping romance about the roads we travel, the doors we open, and the bridges we dare to cross will leave audiences breathless. Francesca Johnson, a beautiful Italian woman who married an American soldier to flee war-ravaged Italy, looks forward to a rare four days alone on her Iowa farm in Winterset when her family heads to the 1965 State Fair. When a ruggedly handsome National Geographic photographer, Robert Kincaid, pulls into her driveway seeking directions, what happens in those four days may very well alter the course of Francesca's life. Price per person is $80 and incudes motorcoach transportation, the matinee show, lunch and dessert, and all taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or at FriendsClub@HillsBank.com.

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Friends Club News

Let’s Play Ball! Cubs vs. Brewers Baseball Game Miller Park, Milwaukee Wednesday, June 13

What better way to spend a summer afternoon than enjoying America’s favorite pastime? Join the cheering section at Miller Park in Milwaukee, Wisconsin, as the 2016 World Series Champs, Chicago Cubs, take on the Milwaukee Brewers. The first pitch will begin the game at 1:10 p.m. Price per person is $135 and includes motorcoach transportation, game ticket in the Loge Diamond Box, and all taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

Day in Dyersville Dyersville, IA Tuesday, August 21

Explore well-known landmarks and locations throughout Dyersville! The day begins with a stop at the Field of Dreams and includes a tour of the first floor of the house and interaction with a “Ghost

Player,” who will provide details about filming the famous Field of Dreams movie. After lunch, prepare to be impressed with the magnificent Gothic architecture adorned throughout the Basilica of St. Francis Xavier and a tour highlighting the church’s unique structural details. Following the church will be a visit to the Dyer-Botsford Historical House and Doll Museum. The Victorian mansion houses over 2,000 dolls, furniture, clothing, and many other vintage items significant to the history of Dyersville. Lastly, a self-guided tour through the National Farm Toy Tractor Museum will delve into the history and present-day advancements of Iowan agriculture. Price per person is $138 and includes motorcoach transportation, lunch, admission to all attractions, and taxes and gratuities. Register with a Friends Club representative at 319-679-2103 or FriendsClub@HillsBank.com.

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2nd Quarter 2018

MANSIONS, MUSEUMS, AND MAGNIFICENT HORSES CHICAGO

A fun-filled adventure awaits in the Windy City! Art and history come to life at the first stop, Old Mill Creek, with a performance by the Tempel Lippizzans. The horses exhibit beauty and grace in performances unique to the tradition of the Spanish Riding School in Vienna. After the show, an exclusive behind-the-scenes tour allows an up- close experience with the stallions and the opportunity to ask questions of the trainers. The journey continues to the Halim Time & Glass Museum for a private guided tour of the museum’s five story building, which houses over 1,100 time artifacts and 70 pieces of stained glass art! After checking into a nearby hotel, a wonderful welcome July 25-26, 2018 $550 per person, double occupancy $644 per person, single occupancy

dinner concludes the evening. On day two, tour halls and rooms overflowing with history at the Holocaust Museum commemorating victims of one of the world’s major genocides. With renewed respect toward humanity and a hearty lunch, a guided tour of the private Sanfilippo Estate follows, showcasing some of the finest collections of automatic music instruments, phonographs, arcade and gambling machines, Tiffany lamps, and more. After a wonderful and memorable time in the city, the group will board the motorcoach in the late afternoon to return home. Register with Meg Sinnott at 319-358-2278 or Meg_Sinnott@HillsBank.com.

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Friends Club News

JAPAN Take a grand tour of Japan—a country where the past meets the future! Throughout the journey across the “Land of the Rising Sun,” the group will observe futuristic Tokyo, cultural Kyoto, and iconic Mt Fuji. Visits to historical sites will include the vibrant Hiroshima to pay tribute at the A-Bomb Dome, a trip high into the Japanese Alps to explore the quaint village of Takayama, and a venture through the refined Kanazawa, the preserved Shirakawago, the dynamic Osaka, and the traditional Kyoto. Throughout the journey, August 30-September 12, 2018 FEW SPOTS REMAIN $9,215 per person, double occupancy $10,585 per person, single occupancy

experience transportation on bullet trains, accommodations in first-class hotels, and introduction to all that is Japanese cuisine, culture, and entertainment! Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes roundtrip airport transfers, roundtrip air to Tokyo and return from Osaka, admission to attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, 12 nights’

accommodations, 21 meals (12 Breakfasts, 3 Lunches, 6 Dinners), and a professional tour manager. Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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2nd Quarter 2018

ARBOR DAY FARM NEBRASKA CITY

September 17-20, 2018 $1,189 per person, double occupancy $1,434 per person, single occupancy

Witness the beginning of the fall season on an adventure loaded with history and nature. Guests will spend three nights at the deluxe Arbor Day Leid Lodge in Nebraska City on the farm known as the birthplace of Arbor Day. Explore the farm’s 260 acres of adventure

and natural beauty with a visit to Leid Lodge’s greenhouse while on a discovery ride through the orchard and vineyards. This is the perfect time of year to enjoy a visit to the surrounding area at a lavender farm, the United States’ first aronia berry farm, and Vala’s Pumpkin Patch. A tour of the Museum of Firefighting and the Kregel Windmill Factory Museum has also been added to round out this history and agriculture-themed journey. Enjoy wonderful meals and delightful accommodations on this

4-day adventure to Nebraska’s fall treasures!

Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes admission to attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, 3 nights’ accommodations, 7 meals ( 3 Breakfasts, 2 lunches, 2 Dinners), and a professional tour manager. Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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Friends Club News

KANSAS CITY November 30-December 2, 2018 FEW SPOTS REMAIN

$859 per person, double occupancy $999 per person, single occupancy

Experience the lights, music, and festive spirit only found in Kansas City, MO during Christmastime. The first stop will include a tour of the historic Union Station with its 95-foot ceilings, rail exhibit, planetarium, and more. The evening will be spent driving through the “Christmas in the Park” light extravaganza featuring more than 300,000 glowing bulbs and 175 animated displays. Day two will begin with a visit to The Roasterie. Sample the famous coffee while learning about the unique coffee production processes. At the Money Museum, explore details of the American economy through challenges and education, like lifting a gold bar worth more than $500,000 and trying to spot counterfeit money. The Christmas theme will continue at the Crown Center to see the 100-foot tall Mayor’s Christmas tree before enjoying a blast from the past at the Johnson County Museum’s 1950s All- Electric House. Concluding the day will be a visit to the New Theatre Restaurant for a spectacular dinner theater experience. On the final day of the trip, brunch will begin the day followed by shopping at the Kansas City Plaza. Afterwards, head underground to visit the SubTropolis, a 1,100-acre manmade cave and business complex. A final stop at the Ameristar Casino concludes the Kansas City adventure as we board our motorcoach and begin the journey home. Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes admission to attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, 2 nights’ accommodations, 4 Meals (2 Breakfasts, 2 Dinners), and a professional tour manager. Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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2nd Quarter 2018

ROSE PARADE December 29, 2018-January 3, 2019 FEW SPOTS REMAIN

$3,399 per person, double occupancy $3,699 per person, single occupancy

Ring in the New Year and celebrate the arrival of 2019 at the Rose Parade! We’ll spend five nights at the Hotel Irvine and tour the surrounding area, including a visit to the Ronald Reagan Presidential Library and a full day on Catalina Island. New Year’s Eve will be celebrated in style with elegant dining, live music, a Monte Carlo-style casino, and champagne toast. On New Year’s Day, grandstand seating awaits at the famous Rose Parade. Prepare to be awe-struck by the flower-covered floats, marching bands, and equestrian units as each parade by. We’ll even have a chance to see the floats up close at the “Showcase of Floats” event! The tour is rounded out with a Southern California Backyard BBQ, a movie night under the stars, and lunch in Beverly Hills.

Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes roundtrip airport transfers, roundtrip air to California, admission to

attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, 5 nights’ accommodations, 12 Meals (5 Breakfasts, 3 Lunches, 4 Dinners), and a professional tour manager. Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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Friends Club News

2019 TRAVEL We are thrilled to share the Friends Club 2019 travel line-up with you! You’ll read a bit more about the featured cruises on the next couple of pages, but for now, we are sharing the entire 2019 listing. Individual trips will be featured in the next few newsletters.

Detailed brochures and registrations are available upon request. Please call 319-358-2230 or 319-358-2278. You may also request information via email at FriendsClub@HillsBank.com, Karissa_Wikert@HillsBank.com, or Meg_Sinnott@HillsBank.com.

Caribbean Islands Cruise (January 11-26) – Enjoy the winter in the warmth of nine pristine Caribbean islands while on a deluxe cruise.

Dubai and Abu Dhabi (February 10-19) – A world of wonder dressed in riches, culture, and architecture at every turn.

New Orleans and the Gulf Coast (March 18-25) – Experience the blend of European traditions and Caribbean influences unique to this southern corner of the United States. Belgium, Netherlands, and Luxembourg (April 1-11) – This region is known for its beers, chocolates, and windmills, which you’ll experience along with the tulip fields at the Keukenhof Gardens.

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2nd Quarter 2018

PASADENA, 2019 TRAVEL

Idaho Uncovered (May 16-22) – Fill your days with unique experiences and culture while venturing through a silver mine, a jet boat ride on the Snake River, and exploring Basque customs. Normandy and the Seine River Cruise (June 1-11) – Visit Paris and riverside villages while cruising through Northwestern France, and experience heartwarming memorials on the 75th anniversary of D-Day.

Minnesota Explorer (July 23-27) – Tour along the glimmering shores of Lake Superior and shop and dine in Duluth’s historic Canal Park district.

Douro River Cruise (August 21-31) – Immerse yourself in centuries of history and the captivating culture of Portugal and Spain while cruising the Iberian Peninsula.

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Friends Club News

CALIFORNIA LINEUP

Marvelous Malta (September 9-17) – A vibrant culture with a long and colorful history dating back to the dawn of civilization awaits you on this island nation.

New Mexico Enchantment (October 16-23) – This southwestern state is ready to share its legends and stories of survival, vibrant architecture and art, and exciting cuisine. New York Christmas (December 9-13) – Take in the sights, sounds, and flavors of this exciting city tied into the magic of Christmas—lights, trees, and window displays!

2020: Join Friends Club on this once-in-a-lifetime experience to see the Oberammergau Passion Play and explore Germany, Austria, and Switzerland, June 6-15, 2020.

2019 Friends Club Travel Preview Show Hills Bank in North Liberty (590 W Forevergreen Rd.) Monday, April 23 at 6 p.m. Register with Karissa Wikert at 319-358-2230 or Karissa_Wikert@HillsBank.com. We will also highlight these trips at the 2019 Travel Preview Show on Monday, April 23. Join us to hear a brief summary of each trip with pictures and inclusions, as well as information about group travel, Friends Club, and our long standing partnership with our travel operator, Star Destinations.

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SAIL AWAY

Join us as we set sail on a deluxe cruise through the sparkling blue waters of the Caribbean! After our flight and overnight in Miami, we’ll board the Oceania Riviera to begin the 14-night cruise. The next two days will be spent at sea getting acquainted with the many amenities on the ship. Then, for the next eight days, the ship will be calling on many less frequented islands, giving you the unique opportunity to explore these beautiful and rarely visited destinations. The days are yours to do as much or as little Caribbean Explorer Miami, Guadeloupe, St. Lucia, Barbados, Trinadad/Tobago, Grenada, Dominica, St. Maarten, Havana January 11-26, 2019 Starting at $6,799 WITH FRIENDS

as you want. Choose to stay on board or go on an exciting optional shore excursion. Relax on the white sand beaches of Antigua or go deep-sea fishing, golfing, or snorkeling. Visit the spectacular waterfalls in the Guadeloupe jungle of Basse-Terre or hike to the top of La Grande Soufriere volcano. Explore the Buccoo Reef by glass-bottom boat in Trinidad and Tobago. You’ll have full days to explore each of the following islands: Barbados, St. Lucia, Grenada, Dominica, St. Maarten, and Cuba. The scenery will be breathtaking and the award-winning cuisine on board the ship won’t disappoint either! Our cruise comes to an end back in Miami,

where we transfer to the airport for the flight home.

Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes roundtrip airfare and transportation to/from the airport, admission to attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, fifteen nights’ accommodations, breakfast on land, and all onboard meals. Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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Friends Club News

CLUB

D-Day Normandy Cruise on the Seine River June 1-11, 2019 Starting at $8,669

This unforgettable trip begins with three days in Paris, including a city tour, a visit to Notre Dame, and a special surprise at the Eiffel Tower. We’ll then board the Scenic Gem for a 7-night cruise along the Seine River. With an included shore excursion at every port, we will have the

opportunity to see the famous sites of Joan of Arc, a stop at Monet’s former residence and gardens, and visit Chateau de Chantilly. The highlight of the tour takes place on the 75th anniversary of D-Day. On this day, we will walk the historic beaches of Normandy, visit the Landing Museum at Arromanches, and reflect while standing in the Normandy American Cemetery overlooking Omaha Beach. We will visit various Normandy American sites while in the Honfleur area, plus the white cliffs of Etretat. It’s a once-in-a-lifetime, eye-opening opportunity dedicated to the achievements and sacrifices of battle on the French shores. We’ll arrive back in Paris late in the evening on day nine to see the Eiffel Tower light show. Our final day in Paris is at your leisure. Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes roundtrip airfare and transportation to/from the airport, admission to attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, nine nights’ accommodations, an excursion at every port, three meals on land, and all onboard meals and beverages (alcohol included). Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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2nd Quarter 2018

August 21-31, 2019 Starting at $5,999 PORTO,

THE DOURO VALLEY, AND

Immerse yourself in centuries of history and the captivating culture of Portugal and Spain. This fabulous tour begins with two nights in Lisbon with plenty of time to explore Portugal’s capital before we board our MS Gil Eanes for a 7-night cruise along the Douro River. As we set sail down the Douro, each

day will bring us to another adventure. The food will be exceptional and the views will be breathtaking! We’ll tour Guimarães, wander through the beautiful gardens at Mateus Palace in Vila Réal, cruise through the heart of the most famous vineyards in the area, and enjoy an evening of flamenco entertainment. In Salamanca, dazzling houses and the impressive cathedral await our arrival, and in Ferradosa, we will journey through

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Friends Club News

SALAMANCA

more vineyards and enjoy some delicious wines! Our final stop is the city of Lamego for a visit to the Nossa Senhora dos Remédios sanctuary and cathedral. We will then disembark in Porto and begin traveling home.

Friends Club trips are very inclusive with no hidden fees or hassles. This trip includes roundtrip airfare and transportation to/from the airport, admission to attractions as stated in the detailed brochure, gratuities for drivers and guides, porter service at hotels, taxes and gratuities for included services, travel protection plan, deluxe motorcoach transportation, ten nights’ accommodations, an excursion at every port, four meals on land, and all onboard meals and beverages (alcohol included). Contact Karissa Wikert at 319-358-2230 or email Karissa_Wikert@HillsBank.com for a detailed brochure and to register.

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2nd Quarter 2018

The Tax Cuts and Jobs Act (the “Act”) has left many taxpayers rethinking their tax planning strategies. The increased standard deduction and reduced availability of itemized deductions may prevent taxpayers who have itemized in the past from doing so in the future. The changes have led many to fear that their yearly charitable giving would not net them any extra tax benefits over the new standard deduction. However, there is good news for taxpayers who still want to donate to their favorite charitable organizations and maintain an important tax benefit. Charitable Contributions Still Remain Tax Deductible Although it may be harder to claim, the itemized deduction for charitable contributions still exists in the Act. In fact, Congress actually increased the adjusted gross income (“AGI”) threshold for the deductibility of charitable cash contributions from 50% to 60%. Donor Advised Gift Funds Provide Potential Tax Benefits Hills Bank Trust and Wealth Management offers a low-cost and local solution that can simplify the charitable giving process for taxpayers. The Hills Bank Non-Endowed Donor Advised Gift Fund (“DAGF”) was established in 1997 for donors who desire to make important gifts to 501(c)(3) charitable organizations that are public charities under Section 509(a). “Bunch” Charitable Giving for Tax Benefits The Non-Endowed Donor Advised Gift Fund allows individuals to “bunch” charitable giving in a single year in order to itemize their tax deductions for the “bunch year.” Below are two examples – the first example is without the DAGF and the second example utilizes the DAGF: Navigate the New Tax Code Using Non-Endowed Donor Advised Gift Funds by Hills Bank Trust and Wealth Management Group

Example 1: No Donor Advised Gift Fund (DAGF)

Example 2: Using a Donor Advised Gift Fund (DAGF) Year 1: Taxpayer funds the DAGF with $14,000 and distributes $3,000 to charities from the DAGF. Year 2: Taxpayer distributes $5,000 to charities from the DAGF. Year 3: Taxpayer distributes $6,000 to charities from the DAGF

Year 1: Taxpayer donates $3,000 directly to charities.

Year 2: Taxpayer donates $5,000 directly to charities.

Year 3: Taxpayer donates $6,000 directly to charities.

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. Talk to Your Tax Preparer Today An initial donation of $10,000 in cash or marketable securities will open an account within the Hills Bank Non-Endowed Donor Advised Gift Fund. All contributions to the DAGF are irrevocable and non-refundable. Therefore, please discuss your long-term charitable giving plans with your legal and accounting advisors and then contact Hills Bank Trust and Wealth Management at 1-800-899-8858 or Trust@HillsBank.com for more information.

Investment products are not a deposit, not FDIC insured, not insured by any federal governmental agency, carry no bank guarantee, and may go down in value.

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Friends Club News

Policies/Procedures

Guests Members are encouraged to invite friends to experience the benefits of Friends Club. One guest per member is allowed to register for each event or day trip. This policy also applies to extended travel. However, after the same guest travels with Friends Club on three extended trips, the guest will be invited to join Friends Club to continue traveling with the group. Parking Day trips depart from and return to the 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. Extended trips will depart from and return to designated locations in Cedar Rapids and Iowa City, which will be noted in the trip information provided to each registrant. Itinerary, Payment, and Motorcoach Seating If registered for a day trip, a payment letter with trip itinerary, and a prepaid envelope will be mailed to each registrant. The letter will be sent at least a month prior to the day trip. A bus seating list will follow, mailed separately. Please call to request information for extended travel. Cancellations If a cancellation is necessary, please find a replacement or contact the Friends Club to see if there is a waiting list and a replacement can be found for you. Refunds for cancellations or inclement weather are not guaranteed due to nonrefundable circumstances, such as pre-purchased tickets and reservations. If an event, day trip, or extended trip is cancelled due to insufficient reservation numbers, a full refund will be issued. For extended travel that uses an outside travel agent, Friends Club will adhere to the written cancellation policy of the agent. Waiting List Events, day trips, and extended travel may have a waiting list. We appreciate your understanding and willingness to be on the waiting list. Do not be discouraged, you may get a call to join us!

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