DBQ_SBBusiness Banking Brochure

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