DBQ_SBBusiness Banking Brochure

Simply better business banking

American Trust & Savings Bank 895 Main Street PO Box 938 Dubuque IA 52004-0938 563.582.1841

americantrust.bank

The American Trust Story

American Trust & Savings Bank is a family-owned community bank founded in 1911 when Nicholas J. Schrup served as the first president. In the century to follow we grew, strengthened the products, services, and financial management expertise we provide to our clients, and retained the integrity and commitment that can only be found through a community bank. A financial services company with broad shoulders, American Trust counts among its core competencies commercial, agricultural, and business banking services; wealth management services, institutional and brokerage investment services; and consumer mortgage, lending, and deposit services. After three generations of growth at American Trust, a holding company, ATBancorp ® , was formed in 1985. Today, it is a two-bank holding company that serves nine communities through seventeen facilities in Iowa and Wisconsin. ATBancorp ® and its three banks are led by the President/Chairman Nicholas J. Schrup III. Members of the Schrup family lead the companies as bank executives and directors. ATBancorp ® holds assets in excess of $1.5 billion. It serves as the holding company for American Trust & Savings Bank and ATCapital Management in Iowa, and American Bank & Trust in Wisconsin. Today ATBancorp ® employs more than 350 professionals.

Main Office 895 Main Street, Dubuque, IA 52001 563.582.1841 americantrust.bank Locations in Dubuque, Dyersville, Farley and Des Moines

A Tradition of Innovation Local and family-owned, American Trust is a community bank in the truest sense: a sound financial institution led by experienced professionals attuned to your business and eminently qualified to partner with you in reaching your goals. With strength comes flexibility. We adjust quickly to dynamic client needs—from business to business, client to client, year after year. Distinguished as a leader in new product development, American Trust has a wide array of creative lending, deposits, and transaction products to help meet your objectives. Our exceptional cash management, investment services, and wealth management solutions give you the tools to manage your finances even better. Simply Better Business Banking • Funds real estate, operating needs, vehicles, and more • Specializes in merchant credit card services • Provides locally serviced Visa ® business credit cards • Provides a broad array of deposit and cash management solutions Financial Management Group • Manages wealth as one of the largest Iowa-based trust and related services operations • Exceeds $2.0 billion in assets under management • Offers clients wealth management, retirement, and investment services Executive Banking • Rewards with amazing interest, nationwide ATM fee refunds, and points for purchases • Provides affordable line of credit opportunities • Makes managing finances simple and convenient Bank at Work Services • Offers your employees free or discounted services • Provides affordable line of credit to maximize opportunities • Makes managing finances simple and convenient Local decision-making, quick turn around, and flexibility make us a top financial services provider and lender. Our professionals promise to develop partnerships and work closely with our clients. We are very proud of our history and growth, and look forward to expanding our horizons in the future.

Simply Better Business Banking At American Trust no business is “small” to us. Our clients enjoy strong relationships and consultative services regardless of the size of their balance sheets. Our professionals make it their highest priority to understand the vision and goals of each business. Our business clients trust us for: • Closed-end financing • Operating and checking lines of credit • Business Visa credit cards and card management • Deposit accounts • Merchant payment processing

• Private label gift cards • Business online banking • Cash management and ACH services • Fraud mitigation • Remote deposit capture • Executive banking services • Employee Bank-At-Work services • Retirement services • Merchant discount exposure • Investment services • Safe deposit box

Deposit Accounts

Loans and Lines of Credit

Business Checking Why pay for services you don’t need? Business Checking is an affordable checking account designed for businesses and corporations that require a limited number of transactions each month. Save money with low fees, and save time by taking advantage of our suite of cash management and online services. Business Savings Maintaining a solid savings account can keep your business prepared for anything. From unexpected emergencies to expansion opportunities, this account makes it easy for your business to be one step ahead. Money Market This savings account can yield investment-level earnings, with limited check writing as well, so you can have easy access alongside your increased earnings. Its tiered-rate structure rewards larger balances with higher rates to help you increase your savings faster than you can with a regular savings account. Certificate of Deposit Make the most of your company’s assets with a CD. These risk-free investments usually earn greater rates than savings, yet maintain FDIC insurance. Choose the term length that best suits your business needs and the money will grow all on its own. American Trust’s cash management solution offers flexible, easily tailored banking services that accelerate the availability of corporate cash and minimize collection time of accounts receivable. Business Rewards Visa ® Debit and Credit Cards The need for large petty cash accounts, continuous employee reimbursements for travel or business purchases, expense requisitions, and the need to write numerous checks throughout the month can be eliminated with our Business Rewards Visa ® account. This account simplifies your recordkeeping system, includes benefits such as purchase warranty and automatic rental insurance for automobiles, and can be arranged to include security safeguards to limit employee use. Plus, earn rewards you can use for travel, gifts, and more. Cash Management

Whatever your credit needs may be, we have a solution for you. At American Trust you can count on unmatched personal service through the life of the loan. Visa ® Business and ScoreCard Business Cards Simplify life while improving efficiency in your records system. Your Visa ® Business Credit Card offers you the utmost flexibility to make purchases worldwide when and where you need to and features reliable, local service. You can be confident putting the strength of Visa ® behind your business. Detailed spending reports, card-by-card transaction details, and online access help you get the most out of your business expenses. Plus, with Visa ® ScoreCard Business Card, you can earn points on all your purchases and redeem them for valuable items like travel discounts, electronics, and much more. Business Line of Credit A pre-determined line of credit can help you be prepared for sudden business expenses. Once approved, you can access your line of credit whenever you need it without reapplying, and only pay interest on what you use. Your line of credit also acts as protection for your checking account in case of an accidental miscalculation. Equipment Loans Keeping up with the latest equipment and technology can be a challenge. At American Trust, we are personally committed to your business success, offering affordable loans to purchase or repair the equipment you need. Plus, we make our own lending decisions and service our own loans for fast, trustworthy results. Ask any of our lending specialists to tailor a lending program that works for you and your budget. Commercial Real Estate Loans Every business needs the right space in which to thrive. That’s why we offer our business clients a number of commercial real estate loans. We promise competitive rates with flexible terms to meet any budget. Whether you want to build from the ground up or purchase an existing property, our experts are here to guide you through the process.

Business Online Banking Save your business time and money. It’s safe and secure. With 24-hour online banking, you or your authorized employee can perform important cash management functions–putting decision-making abilities at your fingertips while reducing administrative time. Business e-Statements E-statements are the safe and green way to receive your monthly statements via business online banking on your office computer. Digital Deposit Digital deposit is American Trust’s remote deposit solution. With digital deposit you are able to scan images of checks right in your office, and submit those images electronically for deposit. There is no need to make a trip to the bank. Deposits can be made right up to 5:00 p.m. and still be credited the same day. Digital deposit is especially beneficial for the business with a remote location. Deposits can be made immediately to American Trust without having to be deposited in a local bank and then transferred. Lockbox With this arrangement, a company’s receivables are collected in a special Post Office box and processed by American Trust daily. This procedure accelerates the processing of payments—increasing the availability of cash for your business—as it maximizes the number of items processed in one day. Automated Clearinghouse (Direct Deposit/Direct Debit) Direct deposit payroll and automated payments are a cost- and time-efficient way to improve cash flow, reduce check writing, and keep employee payroll information confidential. The automated clearinghouse is the central clearing facility that receives electronic entries from originating financial institutions, distributes the information to receiving institutions, and performs the settlement function for the participating institution. Sweep Processing Transfer excess funds between accounts based on specific dates or dollar levels—for example, to pay down on an existing line of credit or to invest overnight. Sweep processing offers an efficient means of cash-flow control for multiple accounts.

Electronic Data Interchange Electronic Data Interchange (EDI) is the exchange of data between two businesses in an electronic format. Occasionally the date includes an addenda record to a preauthorized electronic entry to a checking account. Many vendors include payment-related information with ACH credits or debits. We have the ability to decode this entry and provide it to your business in a user-friendly format. Online Business Card Management The eZBusiness Card Management solution provides your company the ability to oversee and manage your credit card accounts via access to a robust online program. View real-time transactions, adjust credit limits, make payments from multiple checking accounts, view statements immediately, and perform maintenance all with this efficient and comprehensive tool. Expense Management American Trust offers expense management to help your business electronically process, approve and audit employee credit card and out-of-pocket expenses. These costs include, but are not limited to, expenses incurred for travel and entertainment. No matter the size of your business, we have an expense management solution to fit your needs. Accounts Payable Cards If you are looking to create efficiencies and earn on your accounts payable, an American Trust Visa ® Accounts Payable card may be the solution for your business. With an accounts payable card, a card number is issued Credit Card Services

Private Label Gift Cards Considering a gift card program or looking to move from cumbersome paper gift certificates to cards? American Trust can provide gift and loyalty card programs for small to mid-sized merchants. Closed loop cards are cards that may be used strictly within one business or a network of businesses. The benefits of a gift card program range from increasing sales volume to brand awareness to easy usage. Detailed reporting helps you easily keep track of your gift card program. Positive Pay As technology advances every day, it becomes easier and easier for criminals to create legitimate-looking fraudulent checks. Positive Pay is a system designed to stop any fraudulent items from clearing your account. Under this system, you will provide us with an issued checks file any time you have a check run. We load the file into our system, and compare each check that clears your account. If a check does not match, we present it to you for review and validation. If it is fraudulent, we will return it. ACH Debit Block While positive pay will protect your account from check fraud, debit block will protect it from electronic fraud. Once your account is set up on debit block, we will only allow ACH transactions to post if they are from recognized entities. Any entry that does not meet the criteria you have given us is rejected. We then notify you and validate it. If it is fraud it is returned as an unauthorized entry. ZBA Front Account With a ZBA front account in place, you use this account for all ACH and electronic activity. You continue to use your regular account to issue checks. In the event there is any fraudulent activity in the ZBA account, the fraud can be dealt with and your regular account can continue to operate without interruption. ID TheftSmart ® Even when taking precautions, identity theft is a growing risk. With ID TheftSmart ® , you can breathe easy! If your company has a data breach, this affordable service will step in as your advocate, fully committed to monitoring the credit activity on the compromised data to enable your company to restore consumer confidence as quickly and efficiently as possible. This service provides a licensed Fraud Mitigation Tools

and assigned to a specific vendor for use with recurring orders—for example, inventory purchases. Purchases for each vendor are itemized on separate statements and all vendor transactions roll up to your corporate billing for one efficient payment. Plus, you earn one point for every dollar in net purchase volume. Merchant Payment Processing Accepting credit, debit, and prepaid cards maximizes sales and profits. Utilizing American Trust to process payments adds the highest level of personal service and customization. Credit and Debit Card Processing We tailor programs to fit the needs of various retail, service, and manufacturing companies. Increase sales by adding convenience for your customers, reduce your cost of accounts receivable, and speed up the collection of your payments. Reduce your risk of fraud and expense with chip cards and mobile payments enabled with EMV (Europay MasterCard and Visa) and Near-Field Communication (NFC) capable equipment, such as Apple Pay. Our merchant processing professionals will help you decode the fast-changing world of payment processing to reduce your risks and improve sales with: • EMV chip card and NFC contactless terminal payments solutions for all retail businesses and restaurants • Wireless POS terminals (EMV/NFC ready) for: –Table service restaurants –Businesses with processing needs on the go • Mobile phone and tablet processing solutions • PC credit card software compatibility • E-Commerce virtual terminals and third-party processing software with shopping cart for: –Online card sales –Mail order and telephone order processing –Home-based businesses –Business-to-business transactions Kineticpay™ Kineticpay™ is your all-in-one point-of-sale and business management solution that helps you run customer payments, business inventory, and sales and marketing. Our competitive pricing and monthly payment option make Kineticpay affordable for any business. Whether it’s on-the-go payment convenience you require or a fully integrated countertop solution, this system has you covered.

A majority of assets in an E.S.O.P. usually are invested in employer stock, which can help provide liquidity in a closely held company. IRA Rollover Trusts Funds in these accounts—established as a result of a distribution from a qualified retirement plan—grow tax- free until withdrawn. Non-Qualified Deferred Compensation These plans can be established to benefit only certain key executives without being ruled discriminatory. Managed IRA The American Trust Managed IRA (MIRA) makes saving and investing for retirement easier. Our experienced investment professionals assist you in choosing a portfolio that best fits your investment style. Once you select a portfolio, we manage the investments for you, conduct quarterly rebalancing, and make strategic changes to your investments. Investments are: • Not FDIC/NCUSIF insured • May lose value • Not financial institution guaranteed • Not a deposit • Not insured by any federal government agency. There are many different types of wealth management services. Our professionals can review what best fits your financial and estate planning needs. Take advantage of American Trust’s proven investment expertise through one of many asset management tools. Revocable Living Trust A revocable living trust is an arrangement in which a person transfers ownership of property to a trust account. The trustee is responsible for portfolio review and investment decisions of the assets held in the trust. This provides the assurance of knowing you have professional portfolio management. A revocable living trust gives you the freedom to control the terms of the account as changes occur in your life and after your death. Investment Management Agency Account An agency account is a simple standard arrangement allowing the bank to manage your assets. An agency provides you all of the professional management, custody, bill paying, and recordkeeping available with a trust, but this arrangement ends with your death, unlike a revocable trust which can continue. Wealth Management

private investigator for assistance and ID theft restoration in the event of stolen identity. ID TheftSmart ® services are available at very attractive rates.

Financial Management Group American Trust is responsible for investing and administ- ering trust assets worth over $2.0 billion. We have over 75 highly trained, dedicated people making us the best- staffed financial management group in the region. American Trust Retirement was recognized nationally for excellence by PLANSPONSOR ® Magazine, a leading authority on retirement issues and benefits programs. Each year, the magazine recognizes the top retirement plan providers in the country based on the quality of participant and plan sponsor services. If you are a company interested in finding a better retirement solution, look no further. With proven success through leadership, client focused service, and unparalleled expertise, American Trust can customize a plan just for you. At American Trust, we strive to help our clients create and maintain a meaningful retirement benefit for their company, shareholders, current and future employees. No matter what your business size, American Trust has a program to help your employees plan for retirement. Here are some plans we can help you design, implement, and administer: 401(k) Plans A 401(k) usually is used in combination with a profit sharing plan. Participants contribute periodically to a retirement fund and gain the advantage of tax deferral. The employer can elect to match contributions. Age-Weighted Profit Sharing Profit sharing plans maximize benefits for key employees and offer maximum flexibility with employer contributions. Defined Benefit These plans provide for a certain benefit at retirement. The contribution and benefit amounts are based on salary, years of employment, employee turnover, Retirement

investment performance, and retirement age. Employee Stock Ownership Plan (E.S.O.P.)

Executive Banking There are many rewarding reasons to bank with American Trust, including our exclusive Executive Banking package featuring Reward Checking ® , a free checking account that earns an amazingly high interest rate with no minimum balance, plus ATM fee refunds nationwide! And you can link this account to a Reward Savings ® account for even more money in your pocket. You can also enjoy many other executive perks like no annual fee rewards credit cards, discounted mortgage closing costs, discounted rates on consumer loans with automatic payments, ID theft protection, investment services, financial planning and trust services, personal line of credit, and more. Bank-At-Work Our business banking clients may also qualify for an employee Bank-At-Work program that offers outstanding value to your staff members. Employees of our business banking clients may also enjoy nationwide ATM fee rebates, valuable cash back on debit card purchases, and high interest savings accounts. There is no minimum balance requirement and no monthly fees. Additional Bank-At-Work benefits may include no annual-fee rewards debit and credit cards, ID theft protection, discounted rates on consumer loans with automatic payments, discounted home mortgage closing costs, free financial review and retirement planning advice from an investment services professional, and more.

Custodial Account A custodial account is a contractual relationship where the trustee is responsible for the physical protection and safekeeping of the client’s assets while they still make all the investment decisions. This saves time and reduces paperwork by letting a professional handle the recordkeeping of assets. Insurance ATInsurance has a heritage of financial protection dating back to 1880 when company founder, Nicholas J. Schrup (N.J.), began to sell insurance. Under N.J.’s guidance, the company established 1,900 agencies nationwide. It grew to become the largest insurance company in Iowa before it was sold to a Chicago enterprise after its 75th anniversary. Building on these roots, American Trust is pleased to offer quality, customized coverage. • Protection for individuals and businesses against risk and tax liability • Insurance coverage and benefits for simple to complex situations • Peace of mind to concentrate on living your best life ATInsurance protects individual clients from financial risk by planning for unexpected events using life insurance, annuities, long-term care insurance, and more. Drawing on the resources of America’s strongest insurance companies, licensed agents keep clients and their beneficiaries covered and tax liability low. With access to dozens of institutional underwriters, ATInsurance professionals offer effective coverage for situations suited to simple term-life or complex, innovative contracts. Their goal is to tailor policies to individuals as their risk tolerance and life stages evolve. To enable commercial clients to provide attractive executive benefits, ATInsurance offers key man, corporate- owned and bank-owned life insurance services, and buy-sell life insurance. Agents write effective contracts to provide tax-free replacement income and significant benefits to a departed executive’s survivors and partners.

Insurance products: • Not FDIC Insured • No Bank Guarantee • May Lose Value • Not a Deposit • Not Insured by any Federal Government Agency

Student Loan Refinancing If you an American Trust mortgage client, we invite you to refinance your student loan(s) with us. We have an exclusive offer for home owners with Bachelor and Graduate degrees. We have unique variable and fixed-rate financing programs to enable you to use the equity in your home to lower your interest rate and consolidate payments. Bachelor degree holders can finance up to 100 percent of the total value of their home, and graduate degree holders up to 125 percent. Spouses with student loans may be able to refinance both obligations. These offers are subject to credit approval and certain restrictions may apply, see a banker for further details on rates and terms. Consult your tax advisor for deductibility of interest. Proof of property insurance is required with these loans. Merchant Discount Program When local businesses work together we strengthen our community. Our collective dollars are reinvested in the local economy where they help provide jobs; assist area schools, churches, and civic groups; and build our community spirit and pride. As a business client you are eligible to join more than 100 other local merchants in our Merchant Discount Program that promotes our local business community by offering special discounts to more than 15,000 house- holds to bring them through your doors. It’s our way to encourage our clients to shop with local merchants and help our community grow! Our Merchant Discount brochure lists our participating area merchants. 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. To take advantage of your discount, American Trust clients simply present their American Trust debit card, credit card, or checkbook.

Looking Ahead Throughout the years, American Trust developed a strong reputation for providing outstanding services to clients and supporting local communities. We are proud of this tradition and look forward to serving clients and commun- ities in the future. Please contact us for the best in banking solutions and services.