DBQ_SBBusiness Banking Brochure

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