Trust Services Twin Cities Final

Kong Her Vice President, Senior Portfolio Manager Contact: kher@midwestone.com, or 763.512.2561

“Growing up in an immigrant family with no prior knowledge of the capital markets, I have seen firsthand how incremental investments can have a transformative impact on individuals and families. My passion for the work I do is rooted in this very personal experience.

Kong is an investment professional with over twenty years of portfolio management, invest- ment risk, and securities analysis experience, and has had tenures with some of the largest asset management firms in the industry. He is passionate about the capital markets and has taught finance and investments courses at the university level.

Dave Schultes Vice President, Private Banker Contact: dschultes@midwestone.com, or 763.512.2576

“Banking isn’t about selling; it’s about providing solutions. I pride myself on being the first and only phone call customers need to make regardless of their financial need or question.”

Dave has a passion for banking that continues to grow after more than 20 years. His expertise lies in navigating the complexities of cash management and credit strategies for bank clients. He focuses on building long-term relationships with a dedication to every aspect of the customer experience.

Communication is the Foundation of Great Planning

We believe in creating and following a long-term plan. We base the frequency and type of com- munication on what works best for you. Our experience has shown us that the best long-term planning is achieved by collaborative problem-solving and dialogue because you, your family, your assets, your documents and your circumstances are always changing. That constant change should translate into actions taken within your plan such as account retitling, beneficiary desig- nations, account structure, risk tolerance, cash flow needs, etc. We can help you take necessary steps to ensure your plan reflects what you want by having regular updates and reviews.