Fall 2018_Flipping Book

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An American Trust Publication

Fall 2018

Car Loan Special

3.25% APR * 60 months

I t’s the best time of year to buy a car, and with this great rate it’s the best time to get a car loan too. For a limited time, lock in this low rate up to 60 months. And, with American Trust you always enjoy fast pre-approval and an easy application process. Apply online and save $50, or call 800.252.0357 for telephone applications after hours and on weekends.

*Annual percentage rate. Loans subject to credit approval. Rates apply to vehicles 2013 or newer with auto-pay from an American Trust checking account. Other restrictions may apply. Payment example: $10,000 at 3.25%APR for 60 months is $181.89/month including fees. Fees $60 if not applying online. Loans include a lien filing fee of $10. Offer is effective and available as of 07/24/18. Limited time offer. Other financing options are available. See a lender for more info on rates and terms.

Christmas Clubs

I f you have a 2018 Christmas Club you can expect your accumulated savings to be deposited into your designated account on October 20. Open an account anytime throughout the year. New 2019 accounts can be opened beginning October 22, 2018, and for a limited time with a $25 opening deposit, you’ll receive $5. * Make it easy on yourself by setting up an A s a client of American Trust, you are eligible to enjoy special discounts from local merchants participa- ting in this program. Every July we update participating merchants along with their offers in our Merchant Discount Brochure. Each listing in the brochure describes a special savings or discount applied at the time of purchase. They are not valid for previous purchases. You can stop in at any of our offices to pick up a new brochure. New Merchant Discount Brochure

auto-deposit from your paycheck or other account on a weekly, biweekly, or monthly basis. Start saving for the holidays early to avoid accumulating credit card debt. Open yours today! *Interest accrues daily and is credited to your account annually. No monthly service fee. $10 minimum deposit to open. One withdraw of funds is allowed once a year in addition to the October transfer.

Remember, in order to receive your discount, you must present an American Trust debit card, credit card, or checkbook. When you support local businesses you strengthen our community. Your dollars are rein- vested in the local economy where they help provide jobs; assist area schools, churches, and civic groups; and build our community spirit and pride. Shop with local merchants and help our community grow!

Your Money

(purchases & balance transfers)

ScoreCard—Worth Its Weight In GOLD!

G et everything highlighted above and receive double points when you shop at participating merchants (personal cards only). View a list of the participating merchants at americantrust.bank. Redeem your points for cash back or for valuable items such as travel, merchandise, gift cards, and more. Enjoy other Visa benefits such as worldwide acceptance and cash advances. Use Visa Checkout for convenience when shopping online. This card really is worth its weight in GOLD!

*Annual percentage rate. Subject to credit approval. Finance charges assessed on cash advances from the date they are posted. Variable rate is subject to change quarterly and is determined by adding 5% to the NYPrime Rate as published in the Wall Street Journal . Method of computing is based on average daily balance for both purchases and cash advances. Up to $15 charged for late payment. No annual fee, over limit fee, or cash advance fee. See application or a Financial Services Representative for details.

First-Time Homebuyer Savings

T his account was created by the Iowa Legislature to help Iowans save for their first home. It includes provisions that allow individuals to make tax-deductible contributions into an account to be used by the account owner(s) to save for a first home. It only takes $50 to open and no minimum balance is required. You can earn 1.50% APY* up to $20,000. Any balance above $20,000 earns 0.20% APY. There is no maximum deposit amount, and no limit to the number of deposits you can make. One withdrawal is allowed per account, the first withdrawal closes the account and a check is issued for the purchase of your home. First-Time Homebuyer Savings Account owners can get a $500 discount on an American Trust mortgage.

Account holders may exclude from their Iowa adjusted gross income yearly deposits into First-Time Homebuyer Savings Accounts in amounts up to $2,000 a year. Married taxpayers who file a joint return may exclude up to $4,000 a year if the account is opened and maintained as a joint account. Account holders are responsible to provide a transaction report to the Iowa Department of Revenue when funds are withdrawn.

*Annual percentage yield. Consult your tax advisor for tax deductibility. See a financial Services Representative for further details.

Money Talk is published by American Trust and Savings Bank, Dubuque, Iowa, for use by our clients. Reproduction in whole or in parts is prohibited except b mechanical error by our sources, this publication does not guarantee the accuracy, adequacy, or completeness of any information, and is not responsible for an Simply better banking. To report suspicion of fraud, theft, or harassment at American Trust anonymously go to: https://secure.ethicspoint.com/do

Special Events

J oin us for a special Halloween event at the National Mississippi River Museum & Aquarium. Enjoy trick-or-treating around the wetlands, science experi- ments, live animal programs, and other hands-on activities. The majority of the event will be held indoors, costumes are encouraged, and food and beverages will be available for purchase. The museum store will be open all evening. The NMRMA is wheel chair and stroller accessible. The event is for all ages and is a non-scary, family-fun experience for children 12-years old and younger. All children must be accompanied by an adult. Cost is $5.00 per person age three and older. $4.00 for members. Junior Bankers and parents get in free! Tickets are purchased at the door. F ighting Saints hockey is back! We’re happy to once again partner with the Saints to bring all of the exciting action and family fun to fans in the Tri-State area and beyond. Opening night is October 6 against the Cedar Rapids Roughriders. Tickets are available by calling 563.583.6880, or online at DubuqueFightingSaints.com. The 2018–19 Dubuque Fighting Saints preseason roster contains seven returning players, including forwards Matias Maccelli, Logan Pietila and Fighting Saints Home Opener Saturday, October 6, 7:05 p.m. J oin the club and make cheering on the Fighting Saints a family affair. Open to all children 12 and under, membership is free. All members receive birthday wishes, e-newsletters, 15 percent off Saints’ merchandise (children’s sizes only), and an exclusive invitation to attend a Kids Club party with the Fighting Saints players! Bernie and Earny Kids Club Mad Scientist Party Sunday, October 21, 4:00 - 6:00 p.m.

Jan Kern, along with defensemen Jacob Semik, Aidan Fulp and Michael Feenstra. It also includes Willie Knierim who returns from Miami University of Ohio. The 2014 USHL Tender will suit up for the Saints and wear his ever-recognizable #27. Don’t miss another great year of Dubuque Fighting Saints hockey.

Parents must be present to sign kids up. It’s easy to do. Just stop in at any American Trust office and fill out a Kids Club Registration form or go online to dubuquefightingsaints.com. Go Saints!

Community Calendar American Trust is proud to be a sponsor of the following events:

Fall 2018

Wendy’s Classic December 15 Loras College

Reflections in the Park November 22-January 1 Louis Murphy Park

permission. Information has been obtained by this publication from sources believed to be reliable. However, because of the possibility of human error or errors or omissions or for the results obtained from the use of such information. The data within this edition was current at the time of publication. Find us online! ain/media/en/gui/37188/index.html.

At Your Service

Tanya Swygman Betsy Ostwinkle

Dan Gleason

Kathy Lent

A merican Trust & Savings Bank is sponsoring the “Reach for A Star” program for the fifteenth consecutive year. This program provides the Dubuque community an opportunity to brighten the holiday season for needy Dubuque-area senior citizens. Area residents may participate by visiting any Dubuque American Trust location and choose a gold star from the holiday display. Each star contains the “Christmas wish list” of an area senior. The wish list includes items the senior citizen needs or would like to receive this holiday. Anyone “reaching for a star” is asked to purchase one or more items listed on the star. To ensure delivery by Christmas, gifts should be wrapped and returned to an A merican Trust values and rewards employees who go above and beyond in their jobs every day. Employees are nominated by other employees and a committee selects the Professional of the Month. At the end of the year, employees who have been chosen as Professional of the Month are eligible to be Professional of the Year. Professionals Of The Month Reach For A Star

Tanya Swygman, Loan Operations Specialist in the West Des Moines office, was selected as Professional of the Month for June. Betsy Ostwinkle, FSR II Super- visor in the Dyersville office, was selected for July, Dan Gleason, Maintenance Services, was selected for August, and Kathy Lent, Operations-Administration Supervisor, was selected for September. Congratulations!

American Trust office by end-of-day Friday, November 30, 2018, with the stars attached. The program will provide holiday gifts for over 110 local senior citizens, and will serve eight local retirement homes and senior organiza- tions. These include Care Initiatives, Ennoble Skilled Nursing and Rehabilitation Center, Manor Care Nursing Center, Stonehill Care Center, Hawkeye Care, Sunny- crest Manor, and Mount Pleasant Home.

A s a client of American Trust, you are eligible to enjoy special discounts from local merchants partici- pating in the American Trust Merchant Discount Program. Stop in at one of our Asbury 4730 Asbury Rd. Phone: 563.582.5556 Fax: 563.582.5276 Lobby & Drive-up M–F 8:30–5:30 Sat 9–12:00 North 3250 Jackson St. Phone: 563.583.5755 Fax: 563.588.4735 Lobby & Drive-up M–F 8:30–5:30 South 2600 Rockdale Rd. Pho e: 563.583.5757 Fax: 563.588.1025

Get your new Merchant Discount Book

Inside Hartig Drug 1600 University Ave. Phone: 563.584.1703 Fax: 563.584.1704 Lobby: M–F 9–5:30 Sat 9–12

Farley 400 First St. S Phone: 563.744.3380 Fax: 563.744.3071 Lobby: M–Th 8–4 F 8–5:30 Sat 8–11

Downtown Main 895 Main St. Phone: 563.582.1841 Fax: 563.583.5041 Lobby: M–F 8:30–5

offices to pick up your directory. This directory lists the area merchants participating, effective July 1, 2018. Each listing describes a special savings or discount offered to American Trust clients. Discounts apply only at the time of purchase. They are not valid for previous purchases. In order to receive your discount, you must present your American Trust debit card, credit card, or checkbook at the point of purchase. When you support Dye sville 301 First Ave. E Phone: 563.875.2491 Fax: 563.875.2495 Lobby: M–Th 8–4 F 8–5 Dyersville Hwy 136 1422 9th St. SE Phone: 563.875.2492 Fax: 563.875.2430 West D s Moines 9350 University Ave. Suite 138 Phone: 515.283.3750 Fax: 515.987.7780 Lobby: M–F 8:30–5 Sat 9–12 Drive-up: M–F 8:30–5:30 Sat 9–12 Windsor Heights 7204 University Ave Phon : 515.274.0075 Fax: 515.274.0218 Lobby: M–F 8:30–5 Sat 9–12 Drive-up: M–F 8:30–5:30 Sat 9–12 Lobby & Drive-up: M–Th 8:30–5:00 F 8:30–5:30 Sat 8–11

Downtown 9th/Locust 913 Locust St. Phone: 563.582.1846 Fax: 563.583.7605 Lobby & Drive-up: M–F 8–5:30 West 280 Kennedy Rd. Phone: 563.583.5751 Fax: 563.583.5753 Lobby & Drive-up M–F 8:30–5:30 Sat 9–12:00

Lobby & Drive-up M–F 8:30–5:30

Hours & Locations