Education Salute to WOMEN of Achievement · FICO® Credit Score. Your score consists of 35% payment history, 30% amount owed, 15% length of credit history, 10% types of credit, and

EducationReview your credit score game-plan and make sure you’re on track to secure the winning credit score!

BAD GREAT

is the highest possibleFICO® Credit Score

Your score consists of 35% payment history, 30% amount owed, 15% length of credit history, 10% types of credit, and 10% new credit.

Avoid penalties for delaying rent, credit card, and loan payments.

Never charge more than you can afford to pay off in 30 days.

A variety of credit types help your score.WARNING: Don't open a credit account simply to boost your score!

Order a free credit report at least once a year to look for discrepancies or fraud at AnnualCreditReport.com.

PAY BILLS ON TIME:

PAY PLASTIC IN FULL EACH MONTH:

VARY YOUR GAME PLAN:

KNOW THE SCORE:

*No purchase necessary. Void where prohibited. Open to U.S. residents, 18+ as of 1/1/19. Debit PIN & International transactions ineligible. Ends 12/31/19. Non-ecommerce Mastercard transactions also qualify. Restrictions apply. Visit: PricelessSurprises.com for Official Rules and complete details.

Salute to WOMEN of Achievement

Jackie West – Financial AnalystJackie was born and raised in the tri-state area. She graduated from University of Dubuque and has been with DuTrac for four and a half years. Jackie works in the accounting department and primarily deals with investments and financial statements, as well as helping out others in the department. During her time off she enjoys spending time with her husband, Ryan, and their two children, Skylar and Cole. They enjoy kayaking, seeing movies and just hanging out.

Hannah Burds – Communications SpecialistHannah is a graduate of the University of Northern Iowa and has been with DuTrac Community Credit Union for two years as the Communications Specialist. Hannah is responsible for internal and external communications, as well as, member engagement through social media and other marketing platforms. Hannah is involved in several events in the community including Habitat for Humanity and the ARC Games. When she is not working, she enjoys boating, cooking and spending time with family.

Elizabeth Schmal – Human Resources GeneralistElizabeth is a native Dubuquer and has worked at DuTrac for four years as the Human Resources Generalist. Elizabeth enjoys working with established staff as well as meeting and welcoming new staff to DuTrac. Elizabeth is a member of the Community Action Committee and Wellness Committee and also enjoys the many volunteer opportunities DuTrac offers. Elizabeth is an active member of the Tri-State Human Resources Association and past Treasurer.

Kati Middendorf – Financial Services ConsultantKati has been with DuTrac Community Credit Union for three years as a Financial Services Consultant. What Kati enjoys most about her job is assisting members with consumer loans and member services. In addition to Kati’s daily duties, she hosts branch training sessions and activities to assist coworkers with meeting their individual and branch goals.

Wionnia Mausser – Accounting SpecialistWionnia is an Accounting Specialist at DuTrac Community Credit Union. Her role covers areas of Automated Clearing House (ACH), share drafts, and item processing. Wionnia and her husband Noah stay busy with their two children. She loves spending time with her family while shooting bows, supporting her son and husband playing baseball, and enjoying time outside.

Sherry Kurtz – Sales AssistantAs a sales associate for DuTrac Financial Group for the past four years, Sherry uses her personal brand of creating and strengthening member relationships based on her genuine enjoyment of working with people. Sherry works closely with the financial advisors to meet the investment and insurance needs of DuTrac’s members. She is a community volunteer for the Dubuque Regional Humane Society and the Salvation Army. Sherry exemplifies her personal motto “pay it forward.”

Emma McKeon – AccountantEmma is originally from Pennsylvania and moved to the tri-state area after graduating from the University of Dubuque. Emma has been with DuTrac for more than six years. She started as a teller at Peru Road and now works in the Accounting Department. In her free time, Emma enjoys spending time with her family and dog. She also enjoys making weekend trips to the track with her husband where they ride their motorcycles.

Ann Rogers – Credit Analyst/Commercial LenderAnn has worked in the financial services industry for more than 25 years, spending the last three years at DuTrac. Ann is responsible for assessing the creditworthiness of individuals and companies. In her free time, Ann enjoys volunteering at church activities and spending time with her husband, family, and friends. For the past three years, she has been a volunteer member of the marketing committee for the Alzheimer’s Association and involved in the Dubuque Walk to End Alzheimer’s.

DuTrac Community Credit Union nominated eight employees to represent the Telegraph Herald's "Annual Salute to Women" – highlighting tri-state women in business.

Andrew Hawkinson.....................................................................................President & CEOKim Adams.......................................................................... Senior VP of Operations & FacilitiesMichelle Ariss..............................................................................................Senior VP of FinanceMegan Egan .........................................................................Senior VP of Human ResourcesLee Hoerner .............................................................................. Senior VP of Sales & ServiceRon Kinsella ....................................................................................... .Senior VP of LendingAndy Lassen.. ............................................................. Senior VP of Information TechnologyJason Norton.... ............................ ..............Senior VP of Marketing & Business Development

Senior Management TeamMailing Address:PO Box 3250Dubuque, IA 52004-3250

Phone: (563) 582.1331Toll Free: (800) 475.1331Email: [email protected]

York, Miami, or Honolulu! Your next unforgettable adventure could be just one purchase away!

• Monitor every expense this season with DuTrac’s online banking. DuTrac’s PC Branch allows you to review your statements and see how and where you spend your money. MobileLink provides members with PC Branch and a variety of banking services, including making payments with ApplePay™, while Mobile Deposit Capture allows members the option of making a deposit from the comfort of home!

So sit back, and enjoy this beautiful time of year. DuTrac’s qualified financial services consultants are available to help make your dreams and goals become a reality via e-mail ([email protected]), phone (800. 475.1331), or at any one of our convenient office locations. It is our pleasure to serve you!

Happy holidays members!

Andy HawkinsonPresident and CEO

"I'm so glad I live in a world where there are Octobers" - L.M Montgomery – caramel apples, football and crisp morning air. And then, the ghouls and goblins of Halloween give way to

November; a time of reflection and gratitude and a prelude to the holiday season.

How will you celebrate this year? Whether it’s with family or friends, extravagant parties or intimate gatherings, DuTrac has many services designed to save you time and money, allowing you to relax and enjoy the season!

• Holiday Skip-a-Pay – Skip your November or December loan payment(s)! (Additional details on "In The Know...")

• Mastercard Priceless Surprises® 2019 Sweepstakes - Use your DuTrac Mastercard when you make every day and online purchases and you could win a getaway of your choice to Las Vegas, New

Clinton2900 S 25th Street, Ste. A • Clinton, IA

Jersey Ridge2330 E 53rd Street • Davenport, IA

Kimberly Road3100 W Kimberly Road • Davenport, IA

Asbury Road 3465 Asbury Road • Dubuque, IA

Holliday Drive2045 Holliday Drive • Dubuque, IA

Peru Road18181 Peru Road • Dubuque, IA

St. Mary’s380 E 14th Street • Dubuque, IA

Walmart 4200 Dodge Street • Dubuque, IA

Dyersville1161 16th Avenue Court SE • Dyersville, IA

Eldridge200 N Fourth Ave • Eldridge, IA

Maquoketa18072 Highway 64 • Maquoketa, IA

Moline3153 Avenue of the Cities • Moline, IL

Monticello337 S Main Street • Monticello, IA

Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.

Office Locations

EducationReview your credit score game-plan and make sure you’re on track to secure the winning credit score!

BAD GREAT

is the highest possibleFICO® Credit Score

Your score consists of 35% payment history, 30% amount owed, 15% length of credit history, 10% types of credit, and 10% new credit.

Avoid penalties for delaying rent, credit card, and loan payments.

Never charge more than you can afford to pay off in 30 days.

A variety of credit types help your score.WARNING: Don't open a credit account simply to boost your score!

Order a free credit report at least once a year to look for discrepancies or fraud at AnnualCreditReport.com.

PAY BILLS ON TIME:

PAY PLASTIC IN FULL EACH MONTH:

VARY YOUR GAME PLAN:

KNOW THE SCORE:

*No purchase necessary. Void where prohibited. Open to U.S. residents, 18+ as of 1/1/19. Debit PIN & International transactions ineligible. Ends 12/31/19. Non-ecommerce Mastercard transactions also qualify. Restrictions apply. Visit: PricelessSurprises.com for Official Rules and complete details.

Salute to WOMEN of Achievement

Jackie West – Financial AnalystJackie was born and raised in the tri-state area. She graduated from University of Dubuque and has been with DuTrac for four and a half years. Jackie works in the accounting department and primarily deals with investments and financial statements, as well as helping out others in the department. During her time off she enjoys spending time with her husband, Ryan, and their two children, Skylar and Cole. They enjoy kayaking, seeing movies and just hanging out.

Hannah Burds – Communications SpecialistHannah is a graduate of the University of Northern Iowa and has been with DuTrac Community Credit Union for two years as the Communications Specialist. Hannah is responsible for internal and external communications, as well as, member engagement through social media and other marketing platforms. Hannah is involved in several events in the community including Habitat for Humanity and the ARC Games. When she is not working, she enjoys boating, cooking and spending time with family.

Elizabeth Schmal – Human Resources GeneralistElizabeth is a native Dubuquer and has worked at DuTrac for four years as the Human Resources Generalist. Elizabeth enjoys working with established staff as well as meeting and welcoming new staff to DuTrac. Elizabeth is a member of the Community Action Committee and Wellness Committee and also enjoys the many volunteer opportunities DuTrac offers. Elizabeth is an active member of the Tri-State Human Resources Association and past Treasurer.

Kati Middendorf – Financial Services ConsultantKati has been with DuTrac Community Credit Union for three years as a Financial Services Consultant. What Kati enjoys most about her job is assisting members with consumer loans and member services. In addition to Kati’s daily duties, she hosts branch training sessions and activities to assist coworkers with meeting their individual and branch goals.

Wionnia Mausser – Accounting SpecialistWionnia is an Accounting Specialist at DuTrac Community Credit Union. Her role covers areas of Automated Clearing House (ACH), share drafts, and item processing. Wionnia and her husband Noah stay busy with their two children. She loves spending time with her family while shooting bows, supporting her son and husband playing baseball, and enjoying time outside.

Sherry Kurtz – Sales AssistantAs a sales associate for DuTrac Financial Group for the past four years, Sherry uses her personal brand of creating and strengthening member relationships based on her genuine enjoyment of working with people. Sherry works closely with the financial advisors to meet the investment and insurance needs of DuTrac’s members. She is a community volunteer for the Dubuque Regional Humane Society and the Salvation Army. Sherry exemplifies her personal motto “pay it forward.”

Emma McKeon – AccountantEmma is originally from Pennsylvania and moved to the tri-state area after graduating from the University of Dubuque. Emma has been with DuTrac for more than six years. She started as a teller at Peru Road and now works in the Accounting Department. In her free time, Emma enjoys spending time with her family and dog. She also enjoys making weekend trips to the track with her husband where they ride their motorcycles.

Ann Rogers – Credit Analyst/Commercial LenderAnn has worked in the financial services industry for more than 25 years, spending the last three years at DuTrac. Ann is responsible for assessing the creditworthiness of individuals and companies. In her free time, Ann enjoys volunteering at church activities and spending time with her husband, family, and friends. For the past three years, she has been a volunteer member of the marketing committee for the Alzheimer’s Association and involved in the Dubuque Walk to End Alzheimer’s.

DuTrac Community Credit Union nominated eight employees to represent the Telegraph Herald's "Annual Salute to Women" – highlighting tri-state women in business.

Andrew Hawkinson.....................................................................................President & CEOKim Adams.......................................................................... Senior VP of Operations & FacilitiesMichelle Ariss..............................................................................................Senior VP of FinanceMegan Egan .........................................................................Senior VP of Human ResourcesLee Hoerner .............................................................................. Senior VP of Sales & ServiceRon Kinsella ....................................................................................... .Senior VP of LendingAndy Lassen.. ............................................................. Senior VP of Information TechnologyJason Norton.... ............................ ..............Senior VP of Marketing & Business Development

Senior Management TeamMailing Address:PO Box 3250Dubuque, IA 52004-3250

Phone: (563) 582.1331Toll Free: (800) 475.1331Email: [email protected]

York, Miami, or Honolulu! Your next unforgettable adventure could be just one purchase away!

• Monitor every expense this season with DuTrac’s online banking. DuTrac’s PC Branch allows you to review your statements and see how and where you spend your money. MobileLink provides members with PC Branch and a variety of banking services, including making payments with ApplePay™, while Mobile Deposit Capture allows members the option of making a deposit from the comfort of home!

So sit back, and enjoy this beautiful time of year. DuTrac’s qualified financial services consultants are available to help make your dreams and goals become a reality via e-mail ([email protected]), phone (800. 475.1331), or at any one of our convenient office locations. It is our pleasure to serve you!

Happy holidays members!

Andy HawkinsonPresident and CEO

"I'm so glad I live in a world where there are Octobers" - L.M Montgomery – caramel apples, football and crisp morning air. And then, the ghouls and goblins of Halloween give way to

November; a time of reflection and gratitude and a prelude to the holiday season.

How will you celebrate this year? Whether it’s with family or friends, extravagant parties or intimate gatherings, DuTrac has many services designed to save you time and money, allowing you to relax and enjoy the season!

• Holiday Skip-a-Pay – Skip your November or December loan payment(s)! (Additional details on "In The Know...")

• Mastercard Priceless Surprises® 2019 Sweepstakes - Use your DuTrac Mastercard when you make every day and online purchases and you could win a getaway of your choice to Las Vegas, New

Clinton2900 S 25th Street, Ste. A • Clinton, IA

Jersey Ridge2330 E 53rd Street • Davenport, IA

Kimberly Road3100 W Kimberly Road • Davenport, IA

Asbury Road 3465 Asbury Road • Dubuque, IA

Holliday Drive2045 Holliday Drive • Dubuque, IA

Peru Road18181 Peru Road • Dubuque, IA

St. Mary’s380 E 14th Street • Dubuque, IA

Walmart 4200 Dodge Street • Dubuque, IA

Dyersville1161 16th Avenue Court SE • Dyersville, IA

Eldridge200 N Fourth Ave • Eldridge, IA

Maquoketa18072 Highway 64 • Maquoketa, IA

Moline3153 Avenue of the Cities • Moline, IL

Monticello337 S Main Street • Monticello, IA

Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.

Office Locations

EducationReview your credit score game-plan and make sure you’re on track to secure the winning credit score!

BAD GREAT

is the highest possibleFICO® Credit Score

Your score consists of 35% payment history, 30% amount owed, 15% length of credit history, 10% types of credit, and 10% new credit.

Avoid penalties for delaying rent, credit card, and loan payments.

Never charge more than you can afford to pay off in 30 days.

A variety of credit types help your score.WARNING: Don't open a credit account simply to boost your score!

Order a free credit report at least once a year to look for discrepancies or fraud at AnnualCreditReport.com.

PAY BILLS ON TIME:

PAY PLASTIC IN FULL EACH MONTH:

VARY YOUR GAME PLAN:

KNOW THE SCORE:

*No purchase necessary. Void where prohibited. Open to U.S. residents, 18+ as of 1/1/19. Debit PIN & International transactions ineligible. Ends 12/31/19. Non-ecommerce Mastercard transactions also qualify. Restrictions apply. Visit: PricelessSurprises.com for Official Rules and complete details.

Salute to WOMEN of Achievement

Jackie West – Financial AnalystJackie was born and raised in the tri-state area. She graduated from University of Dubuque and has been with DuTrac for four and a half years. Jackie works in the accounting department and primarily deals with investments and financial statements, as well as helping out others in the department. During her time off she enjoys spending time with her husband, Ryan, and their two children, Skylar and Cole. They enjoy kayaking, seeing movies and just hanging out.

Hannah Burds – Communications SpecialistHannah is a graduate of the University of Northern Iowa and has been with DuTrac Community Credit Union for two years as the Communications Specialist. Hannah is responsible for internal and external communications, as well as, member engagement through social media and other marketing platforms. Hannah is involved in several events in the community including Habitat for Humanity and the ARC Games. When she is not working, she enjoys boating, cooking and spending time with family.

Elizabeth Schmal – Human Resources GeneralistElizabeth is a native Dubuquer and has worked at DuTrac for four years as the Human Resources Generalist. Elizabeth enjoys working with established staff as well as meeting and welcoming new staff to DuTrac. Elizabeth is a member of the Community Action Committee and Wellness Committee and also enjoys the many volunteer opportunities DuTrac offers. Elizabeth is an active member of the Tri-State Human Resources Association and past Treasurer.

Kati Middendorf – Financial Services ConsultantKati has been with DuTrac Community Credit Union for three years as a Financial Services Consultant. What Kati enjoys most about her job is assisting members with consumer loans and member services. In addition to Kati’s daily duties, she hosts branch training sessions and activities to assist coworkers with meeting their individual and branch goals.

Wionnia Mausser – Accounting SpecialistWionnia is an Accounting Specialist at DuTrac Community Credit Union. Her role covers areas of Automated Clearing House (ACH), share drafts, and item processing. Wionnia and her husband Noah stay busy with their two children. She loves spending time with her family while shooting bows, supporting her son and husband playing baseball, and enjoying time outside.

Sherry Kurtz – Sales AssistantAs a sales associate for DuTrac Financial Group for the past four years, Sherry uses her personal brand of creating and strengthening member relationships based on her genuine enjoyment of working with people. Sherry works closely with the financial advisors to meet the investment and insurance needs of DuTrac’s members. She is a community volunteer for the Dubuque Regional Humane Society and the Salvation Army. Sherry exemplifies her personal motto “pay it forward.”

Emma McKeon – AccountantEmma is originally from Pennsylvania and moved to the tri-state area after graduating from the University of Dubuque. Emma has been with DuTrac for more than six years. She started as a teller at Peru Road and now works in the Accounting Department. In her free time, Emma enjoys spending time with her family and dog. She also enjoys making weekend trips to the track with her husband where they ride their motorcycles.

Ann Rogers – Credit Analyst/Commercial LenderAnn has worked in the financial services industry for more than 25 years, spending the last three years at DuTrac. Ann is responsible for assessing the creditworthiness of individuals and companies. In her free time, Ann enjoys volunteering at church activities and spending time with her husband, family, and friends. For the past three years, she has been a volunteer member of the marketing committee for the Alzheimer’s Association and involved in the Dubuque Walk to End Alzheimer’s.

DuTrac Community Credit Union nominated eight employees to represent the Telegraph Herald's "Annual Salute to Women" – highlighting tri-state women in business.

Andrew Hawkinson.....................................................................................President & CEOKim Adams.......................................................................... Senior VP of Operations & FacilitiesMichelle Ariss..............................................................................................Senior VP of FinanceMegan Egan .........................................................................Senior VP of Human ResourcesLee Hoerner .............................................................................. Senior VP of Sales & ServiceRon Kinsella ....................................................................................... .Senior VP of LendingAndy Lassen.. ............................................................. Senior VP of Information TechnologyJason Norton.... ............................ ..............Senior VP of Marketing & Business Development

Senior Management TeamMailing Address:PO Box 3250Dubuque, IA 52004-3250

Phone: (563) 582.1331Toll Free: (800) 475.1331Email: [email protected]

York, Miami, or Honolulu! Your next unforgettable adventure could be just one purchase away!

• Monitor every expense this season with DuTrac’s online banking. DuTrac’s PC Branch allows you to review your statements and see how and where you spend your money. MobileLink provides members with PC Branch and a variety of banking services, including making payments with ApplePay™, while Mobile Deposit Capture allows members the option of making a deposit from the comfort of home!

So sit back, and enjoy this beautiful time of year. DuTrac’s qualified financial services consultants are available to help make your dreams and goals become a reality via e-mail ([email protected]), phone (800. 475.1331), or at any one of our convenient office locations. It is our pleasure to serve you!

Happy holidays members!

Andy HawkinsonPresident and CEO

"I'm so glad I live in a world where there are Octobers" - L.M Montgomery – caramel apples, football and crisp morning air. And then, the ghouls and goblins of Halloween give way to

November; a time of reflection and gratitude and a prelude to the holiday season.

How will you celebrate this year? Whether it’s with family or friends, extravagant parties or intimate gatherings, DuTrac has many services designed to save you time and money, allowing you to relax and enjoy the season!

• Holiday Skip-a-Pay – Skip your November or December loan payment(s)! (Additional details on "In The Know...")

• Mastercard Priceless Surprises® 2019 Sweepstakes - Use your DuTrac Mastercard when you make every day and online purchases and you could win a getaway of your choice to Las Vegas, New

Clinton2900 S 25th Street, Ste. A • Clinton, IA

Jersey Ridge2330 E 53rd Street • Davenport, IA

Kimberly Road3100 W Kimberly Road • Davenport, IA

Asbury Road 3465 Asbury Road • Dubuque, IA

Holliday Drive2045 Holliday Drive • Dubuque, IA

Peru Road18181 Peru Road • Dubuque, IA

St. Mary’s380 E 14th Street • Dubuque, IA

Walmart 4200 Dodge Street • Dubuque, IA

Dyersville1161 16th Avenue Court SE • Dyersville, IA

Eldridge200 N Fourth Ave • Eldridge, IA

Maquoketa18072 Highway 64 • Maquoketa, IA

Moline3153 Avenue of the Cities • Moline, IL

Monticello337 S Main Street • Monticello, IA

Access your accounts 24/7: Call AccessLine at (563) 557.5000 or enroll in PC Branch with MobileLink.

Office Locations

Financial UpdateDuTrac’s financials as of August 31, 2019:

Members...................................................................................................................... 47,609

Shares................................................................................................................ $636,749,226

Loans.................................................................................................................. $604,151,874

Net Worth............................................................................................................ $99,660,132

Total Assets........................................................................................................ $742,993,452

In The Know... Upcoming EventsCalendar of Events

Wealth Management & InsuranceOctober1-5 River Valley Treasures & Fall Colors (Ohio River Valley) 6-26 Fire Extinguisher Drive (All Offices) 14-18 Shredding Event (All Offices, Excluding Walmart) 16 DFG Medicare Seminar (Davenport, IA) 17 International CU Day (All Offices) 19 On-Site Shred Event (Asbury Branch – Dubuque, IA) 23 FCT Estate Planning Seminar (Dubuque, IA) 23 FCT Retirement Planning Seminar (Dubuque, IA)

November11 All Offices Closed (Veteran's Day) 13 DFG Social Security Seminar (Davenport, IA) 14 DFG Social Security Seminar (Asbury Branch – Dubuque, IA) 28 All Offices Closed (Thanksgiving)29 Santa Visit (Asbury Branch – Dubuque, IA)

December4 Holly Jolly Christmas at the Palace (Wisconsin Dells, WI) 7 Savasaurus Club Skate Event (Eldridge, IA)20 Santa Visit (Jersey Ridge Branch) 24 All Offices Close at Noon (Christmas Eve) 25 All Offices Closed (Christmas Day)

January 1 All Offices Closed (New Years Day)

Visit DuTrac.org for additionaldetails and a complete list of

upcoming DuTrac events. Please contact Ron at (563) 557.5044, or email: [email protected] to learnmore and plan your financial future today.

Fire Extinguisher DriveSavasaurus Club members and their families can drop off expired or used fire extinguishers October 6 - 26, 2019. Local fire departments will use these extinguishers to teach children the proper handling and use of an extinguisher.

You can drop off your extinguishers at any of our convenient office locations by Saturday, October 26, 2019.

« For details, additional information, or to make reservations for upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: [email protected] or visit: DuTrac.org/Events.

Eric Hilbun, CFP®Financial Advisor

Nicole Corbett, CRPC®Financial Advisor

Mark RobbinsFinancial Advisor

Holly Jolly Christmas at the Palace

Medicare Seminar

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-2053915.1-0318-0420

For additional information, contact DuTrac Financial Group at (563) 557.5002 or email: [email protected].

The Dubuque seminar will be held at the Best Western Plus Hotel • 3100 Dodge St., Dubuque, IAAll Davenport seminars will be held at DuTrac's Jersey Ridge location • 2330 E 53rd St., Davenport, IA

All Seminars Begin at 6:00 p.m.

Estate Planning Retirement PlanningWednesday, October 23, 20194:00 - 5:00 p.m. DuTrac Community Credit Union Asbury Office – 3rd Floor3465 Asbury Road Dubuque, IA

Wednesday, October 23, 20195:30 - 6:30 p.m. DuTrac Community Credit Union Asbury Office – 3rd Floor3465 Asbury Road Dubuque, IA

These seminars will cover an overview of wills, trusts, retirement options and more.

Estate and Retirement Planning Seminars

Insurance Built for Credit Union Members Like YouTruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your credit union.

Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.

Contact Patricia Cardarelle to make an appointment. Patti will work closely with each member/client through the use of a formal insurance coverage review to ensure maximum value while minimizing personal risk.

For more information about auto, home, or life insurance, contact Patti at (563) 568.7039 or [email protected].

Patricia Cardarelle Liberty Mutual/TruStage Rep.

Auto • Home • Life

Academic Scholarship ProgramDuTrac's Academic Scholarship Program is now available to graduating seniors who are members in good standing for at least one year with DuTrac.

Up to seven (4 - $500 and 3 - $1,000) non-renewable scholarships will be awarded to qualified students who plan to attend an accredited community college, trade school, technical college or university.

There are two ways to apply for this scholarship:

• Type and submit an essay, double-spaced, containing a minimum of 500 words, or • Create a 60 - 90-second video on the following topic:

"The average age of an attendee at the DuTrac Annual Meeting is 74. As a DuTrac Scholarship Recipient candidate, please write a speech to this group describing why previous generations of Americans should have faith in you and your generation."

« Essay and video entries must be submitted by Friday, March 27, 2020. For complete scholarship guidelines visit: DuTrac.org/Scholarships or contact Karen at (563) 585.8584 or (800) 475.1331, ext. 8584. DuTrac employees and their immediate family members are not eligible.

International Credit Union DayThursday, October 17, 2019

For nearly two centuries, financial cooperatives have encouraged people of every race, gender and belief to come together and give their all towards the betterment of their communities. It's about people helping people. This is why DuTrac celebrates International Credit Union Day. Lives and communities have been improved by the unique principles and actions of the credit union movement. Credit unions empower people, wherever they are in the world or life, to take control of their financial future.

« Stop in to any DuTrac office for cookies and refreshments on October 17. While you're there, see how DuTrac can help you with your financial goals and dreams.

Shredding EventOctober 14 – 18, 2019

This October, DuTrac is partnering with Tri-State Shred to offer free shredding to members at their local DuTrac office! All DuTrac office locations (excluding Walmart) will have a secure locked shred container on site. This container will be picked up by Tri-State Shred when full and shredded at that time.

This DuTrac Community Credit Union member event, is a great way to safely dispose of and recycle your old, confidential documents and help protect you from identity theft. Things to shred include old bills, account statements, junk mail, or any other paper items with your personal or sensitive information.

« This service is provided for personal documents only, not for businesses or organizations with large volumes of material. Maximum of one box/brown grocery bag per member.

Asbury Shred EventSaturday, October 19, 20198:30 – 11:30 a.m.DuTrac’s Asbury Road Parking LotTri-State Shred Will Be On-Site3465 Asbury Road • Dubuque, IA

« This service is provided for personal documents only, not for businesses or organizations with large volumes of material. Maximum of three boxes/brown grocery bags per member.

Club Skate EventSaturday, December 7, 2019Eldridge Community Center & Skate Park • 400 S 16th Avenue • Eldridge, IA11:00 a.m. – 1:00 p.m.

Join Santa and Sunny as they skate around the rink and take note of your Christmas wish list! You may bring your own skates or rentals are available at the rink free of charge.

« Admission will be one new pair of children's socks per person. Socks will be distributed to a local charity assisting young children. Hot dogs, chips and pop will be provided. Reservations are required and can be made by calling Karen at (800) 475.1331, ext. 8584.

Santa VisitsFriday, November 29, 2019Asbury Road Office10:30 a.m. – 12:30 p.m.

Visit Santa and one of his magical reindeer at DuTrac's Asbury Office to take photos and share your wish list!

Friday, December 20, 2019 Jersey Ridge Office 3 – 5 p.m.

Visit Santa at DuTrac's Jersey Ridge office to take pictures and share your wish list!

Davenport: October 16Social Security Seminars

Davenport: November 13Dubuque: November 14

Wednesday, December 4, 2019The Palace Dinner TheaterWisconsin Dells, WIDubuque Departure$80 per person

This heart-warming show is packed full of classic and contemporary song and dance – incredible performers, stunning costumes and dazzling sets. This spectacular holiday celebration is sure to re-kindle the spirit in all of us!

« Price includes deluxe motor coach transportation, main floor seating, meal, coffee and tea, water, snack, and server/driver gratuity. Also included, a one hour stop at the Antique & Craft Malls of Wisconsin Dells. RSVP & payment due by Friday, November 1, 2019.

Thursday, February 6, 2020The Marcus CenterMilwaukee, WIDubuque Departure$139 per person

Giraffes strut. Birds swoop. Gazelles leap. The entire Serengeti comes to life as never before. And as the music soars, Pride Rock slowly emerges from the mist. There is simply nothing else like The Lion King.

« Price includes deluxe motor coach transportation, main floor seating, water, snack, and driver gratuity. RSVP & payment due by Wednesday, January 1, 2020.

Disney's The Lion King

Financial UpdateDuTrac’s financials as of August 31, 2019:

Members...................................................................................................................... 47,609

Shares................................................................................................................ $636,749,226

Loans.................................................................................................................. $604,151,874

Net Worth............................................................................................................ $99,660,132

Total Assets........................................................................................................ $742,993,452

In The Know... Upcoming EventsCalendar of Events

Wealth Management & InsuranceOctober1-5 River Valley Treasures & Fall Colors (Ohio River Valley) 6-26 Fire Extinguisher Drive (All Offices) 14-18 Shredding Event (All Offices, Excluding Walmart) 16 DFG Medicare Seminar (Davenport, IA) 17 International CU Day (All Offices) 19 On-Site Shred Event (Asbury Branch – Dubuque, IA) 23 FCT Estate Planning Seminar (Dubuque, IA) 23 FCT Retirement Planning Seminar (Dubuque, IA)

November11 All Offices Closed (Veteran's Day) 13 DFG Social Security Seminar (Davenport, IA) 14 DFG Social Security Seminar (Asbury Branch – Dubuque, IA) 28 All Offices Closed (Thanksgiving)29 Santa Visit (Asbury Branch – Dubuque, IA)

December4 Holly Jolly Christmas at the Palace (Wisconsin Dells, WI) 7 Savasaurus Club Skate Event (Eldridge, IA)20 Santa Visit (Jersey Ridge Branch) 24 All Offices Close at Noon (Christmas Eve) 25 All Offices Closed (Christmas Day)

January 1 All Offices Closed (New Years Day)

Visit DuTrac.org for additionaldetails and a complete list of

upcoming DuTrac events. Please contact Ron at (563) 557.5044, or email: [email protected] to learnmore and plan your financial future today.

Fire Extinguisher DriveSavasaurus Club members and their families can drop off expired or used fire extinguishers October 6 - 26, 2019. Local fire departments will use these extinguishers to teach children the proper handling and use of an extinguisher.

You can drop off your extinguishers at any of our convenient office locations by Saturday, October 26, 2019.

« For details, additional information, or to make reservations for upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: [email protected] or visit: DuTrac.org/Events.

Eric Hilbun, CFP®Financial Advisor

Nicole Corbett, CRPC®Financial Advisor

Mark RobbinsFinancial Advisor

Holly Jolly Christmas at the Palace

Medicare Seminar

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-2053915.1-0318-0420

For additional information, contact DuTrac Financial Group at (563) 557.5002 or email: [email protected].

The Dubuque seminar will be held at the Best Western Plus Hotel • 3100 Dodge St., Dubuque, IAAll Davenport seminars will be held at DuTrac's Jersey Ridge location • 2330 E 53rd St., Davenport, IA

All Seminars Begin at 6:00 p.m.

Estate Planning Retirement PlanningWednesday, October 23, 20194:00 - 5:00 p.m. DuTrac Community Credit Union Asbury Office – 3rd Floor3465 Asbury Road Dubuque, IA

Wednesday, October 23, 20195:30 - 6:30 p.m. DuTrac Community Credit Union Asbury Office – 3rd Floor3465 Asbury Road Dubuque, IA

These seminars will cover an overview of wills, trusts, retirement options and more.

Estate and Retirement Planning Seminars

Insurance Built for Credit Union Members Like YouTruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your credit union.

Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.

Contact Patricia Cardarelle to make an appointment. Patti will work closely with each member/client through the use of a formal insurance coverage review to ensure maximum value while minimizing personal risk.

For more information about auto, home, or life insurance, contact Patti at (563) 568.7039 or [email protected].

Patricia Cardarelle Liberty Mutual/TruStage Rep.

Auto • Home • Life

Academic Scholarship ProgramDuTrac's Academic Scholarship Program is now available to graduating seniors who are members in good standing for at least one year with DuTrac.

Up to seven (4 - $500 and 3 - $1,000) non-renewable scholarships will be awarded to qualified students who plan to attend an accredited community college, trade school, technical college or university.

There are two ways to apply for this scholarship:

• Type and submit an essay, double-spaced, containing a minimum of 500 words, or • Create a 60 - 90-second video on the following topic:

"The average age of an attendee at the DuTrac Annual Meeting is 74. As a DuTrac Scholarship Recipient candidate, please write a speech to this group describing why previous generations of Americans should have faith in you and your generation."

« Essay and video entries must be submitted by Friday, March 27, 2020. For complete scholarship guidelines visit: DuTrac.org/Scholarships or contact Karen at (563) 585.8584 or (800) 475.1331, ext. 8584. DuTrac employees and their immediate family members are not eligible.

International Credit Union DayThursday, October 17, 2019

For nearly two centuries, financial cooperatives have encouraged people of every race, gender and belief to come together and give their all towards the betterment of their communities. It's about people helping people. This is why DuTrac celebrates International Credit Union Day. Lives and communities have been improved by the unique principles and actions of the credit union movement. Credit unions empower people, wherever they are in the world or life, to take control of their financial future.

« Stop in to any DuTrac office for cookies and refreshments on October 17. While you're there, see how DuTrac can help you with your financial goals and dreams.

Shredding EventOctober 14 – 18, 2019

This October, DuTrac is partnering with Tri-State Shred to offer free shredding to members at their local DuTrac office! All DuTrac office locations (excluding Walmart) will have a secure locked shred container on site. This container will be picked up by Tri-State Shred when full and shredded at that time.

This DuTrac Community Credit Union member event, is a great way to safely dispose of and recycle your old, confidential documents and help protect you from identity theft. Things to shred include old bills, account statements, junk mail, or any other paper items with your personal or sensitive information.

« This service is provided for personal documents only, not for businesses or organizations with large volumes of material. Maximum of one box/brown grocery bag per member.

Asbury Shred EventSaturday, October 19, 20198:30 – 11:30 a.m.DuTrac’s Asbury Road Parking LotTri-State Shred Will Be On-Site3465 Asbury Road • Dubuque, IA

« This service is provided for personal documents only, not for businesses or organizations with large volumes of material. Maximum of three boxes/brown grocery bags per member.

Club Skate EventSaturday, December 7, 2019Eldridge Community Center & Skate Park • 400 S 16th Avenue • Eldridge, IA11:00 a.m. – 1:00 p.m.

Join Santa and Sunny as they skate around the rink and take note of your Christmas wish list! You may bring your own skates or rentals are available at the rink free of charge.

« Admission will be one new pair of children's socks per person. Socks will be distributed to a local charity assisting young children. Hot dogs, chips and pop will be provided. Reservations are required and can be made by calling Karen at (800) 475.1331, ext. 8584.

Santa VisitsFriday, November 29, 2019Asbury Road Office10:30 a.m. – 12:30 p.m.

Visit Santa and one of his magical reindeer at DuTrac's Asbury Office to take photos and share your wish list!

Friday, December 20, 2019 Jersey Ridge Office 3 – 5 p.m.

Visit Santa at DuTrac's Jersey Ridge office to take pictures and share your wish list!

Davenport: October 16Social Security Seminars

Davenport: November 13Dubuque: November 14

Wednesday, December 4, 2019The Palace Dinner TheaterWisconsin Dells, WIDubuque Departure$80 per person

This heart-warming show is packed full of classic and contemporary song and dance – incredible performers, stunning costumes and dazzling sets. This spectacular holiday celebration is sure to re-kindle the spirit in all of us!

« Price includes deluxe motor coach transportation, main floor seating, meal, coffee and tea, water, snack, and server/driver gratuity. Also included, a one hour stop at the Antique & Craft Malls of Wisconsin Dells. RSVP & payment due by Friday, November 1, 2019.

Thursday, February 6, 2020The Marcus CenterMilwaukee, WIDubuque Departure$139 per person

Giraffes strut. Birds swoop. Gazelles leap. The entire Serengeti comes to life as never before. And as the music soars, Pride Rock slowly emerges from the mist. There is simply nothing else like The Lion King.

« Price includes deluxe motor coach transportation, main floor seating, water, snack, and driver gratuity. RSVP & payment due by Wednesday, January 1, 2020.

Disney's The Lion King

Financial UpdateDuTrac’s financials as of August 31, 2019:

Members...................................................................................................................... 47,609

Shares................................................................................................................ $636,749,226

Loans.................................................................................................................. $604,151,874

Net Worth............................................................................................................ $99,660,132

Total Assets........................................................................................................ $742,993,452

In The Know... Upcoming EventsCalendar of Events

Wealth Management & InsuranceOctober1-5 River Valley Treasures & Fall Colors (Ohio River Valley) 6-26 Fire Extinguisher Drive (All Offices) 14-18 Shredding Event (All Offices, Excluding Walmart) 16 DFG Medicare Seminar (Davenport, IA) 17 International CU Day (All Offices) 19 On-Site Shred Event (Asbury Branch – Dubuque, IA) 23 FCT Estate Planning Seminar (Dubuque, IA) 23 FCT Retirement Planning Seminar (Dubuque, IA)

November11 All Offices Closed (Veteran's Day) 13 DFG Social Security Seminar (Davenport, IA) 14 DFG Social Security Seminar (Asbury Branch – Dubuque, IA) 28 All Offices Closed (Thanksgiving)29 Santa Visit (Asbury Branch – Dubuque, IA)

December4 Holly Jolly Christmas at the Palace (Wisconsin Dells, WI) 7 Savasaurus Club Skate Event (Eldridge, IA)20 Santa Visit (Jersey Ridge Branch) 24 All Offices Close at Noon (Christmas Eve) 25 All Offices Closed (Christmas Day)

January 1 All Offices Closed (New Years Day)

Visit DuTrac.org for additionaldetails and a complete list of

upcoming DuTrac events. Please contact Ron at (563) 557.5044, or email: [email protected] to learnmore and plan your financial future today.

Fire Extinguisher DriveSavasaurus Club members and their families can drop off expired or used fire extinguishers October 6 - 26, 2019. Local fire departments will use these extinguishers to teach children the proper handling and use of an extinguisher.

You can drop off your extinguishers at any of our convenient office locations by Saturday, October 26, 2019.

« For details, additional information, or to make reservations for upcoming events, please contact Karen at (563) 585.8584, (800) 475.1331, ext. 8584, email: [email protected] or visit: DuTrac.org/Events.

Eric Hilbun, CFP®Financial Advisor

Nicole Corbett, CRPC®Financial Advisor

Mark RobbinsFinancial Advisor

Holly Jolly Christmas at the Palace

Medicare Seminar

Representatives are registered, securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC , a registered broker/dealer and investment advisor, which is not an affiliate of the credit union. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit of any financial institution. FR-2053915.1-0318-0420

For additional information, contact DuTrac Financial Group at (563) 557.5002 or email: [email protected].

The Dubuque seminar will be held at the Best Western Plus Hotel • 3100 Dodge St., Dubuque, IAAll Davenport seminars will be held at DuTrac's Jersey Ridge location • 2330 E 53rd St., Davenport, IA

All Seminars Begin at 6:00 p.m.

Estate Planning Retirement PlanningWednesday, October 23, 20194:00 - 5:00 p.m. DuTrac Community Credit Union Asbury Office – 3rd Floor3465 Asbury Road Dubuque, IA

Wednesday, October 23, 20195:30 - 6:30 p.m. DuTrac Community Credit Union Asbury Office – 3rd Floor3465 Asbury Road Dubuque, IA

These seminars will cover an overview of wills, trusts, retirement options and more.

Estate and Retirement Planning Seminars

Insurance Built for Credit Union Members Like YouTruStage insurance products are only available to credit union members. Your membership means competitive rates, helpful guidance without sales pressure and quality products trusted by your credit union.

Regardless of your budget, we can help make sure the protection you need makes sense. It's all part of smart planning and caring about the aspirations and achievements of those who matter most.

Contact Patricia Cardarelle to make an appointment. Patti will work closely with each member/client through the use of a formal insurance coverage review to ensure maximum value while minimizing personal risk.

For more information about auto, home, or life insurance, contact Patti at (563) 568.7039 or [email protected].

Patricia Cardarelle Liberty Mutual/TruStage Rep.

Auto • Home • Life

Academic Scholarship ProgramDuTrac's Academic Scholarship Program is now available to graduating seniors who are members in good standing for at least one year with DuTrac.

Up to seven (4 - $500 and 3 - $1,000) non-renewable scholarships will be awarded to qualified students who plan to attend an accredited community college, trade school, technical college or university.

There are two ways to apply for this scholarship:

• Type and submit an essay, double-spaced, containing a minimum of 500 words, or • Create a 60 - 90-second video on the following topic:

"The average age of an attendee at the DuTrac Annual Meeting is 74. As a DuTrac Scholarship Recipient candidate, please write a speech to this group describing why previous generations of Americans should have faith in you and your generation."

« Essay and video entries must be submitted by Friday, March 27, 2020. For complete scholarship guidelines visit: DuTrac.org/Scholarships or contact Karen at (563) 585.8584 or (800) 475.1331, ext. 8584. DuTrac employees and their immediate family members are not eligible.

International Credit Union DayThursday, October 17, 2019

For nearly two centuries, financial cooperatives have encouraged people of every race, gender and belief to come together and give their all towards the betterment of their communities. It's about people helping people. This is why DuTrac celebrates International Credit Union Day. Lives and communities have been improved by the unique principles and actions of the credit union movement. Credit unions empower people, wherever they are in the world or life, to take control of their financial future.

« Stop in to any DuTrac office for cookies and refreshments on October 17. While you're there, see how DuTrac can help you with your financial goals and dreams.

Shredding EventOctober 14 – 18, 2019

This October, DuTrac is partnering with Tri-State Shred to offer free shredding to members at their local DuTrac office! All DuTrac office locations (excluding Walmart) will have a secure locked shred container on site. This container will be picked up by Tri-State Shred when full and shredded at that time.

This DuTrac Community Credit Union member event, is a great way to safely dispose of and recycle your old, confidential documents and help protect you from identity theft. Things to shred include old bills, account statements, junk mail, or any other paper items with your personal or sensitive information.

« This service is provided for personal documents only, not for businesses or organizations with large volumes of material. Maximum of one box/brown grocery bag per member.

Asbury Shred EventSaturday, October 19, 20198:30 – 11:30 a.m.DuTrac’s Asbury Road Parking LotTri-State Shred Will Be On-Site3465 Asbury Road • Dubuque, IA

« This service is provided for personal documents only, not for businesses or organizations with large volumes of material. Maximum of three boxes/brown grocery bags per member.

Club Skate EventSaturday, December 7, 2019Eldridge Community Center & Skate Park • 400 S 16th Avenue • Eldridge, IA11:00 a.m. – 1:00 p.m.

Join Santa and Sunny as they skate around the rink and take note of your Christmas wish list! You may bring your own skates or rentals are available at the rink free of charge.

« Admission will be one new pair of children's socks per person. Socks will be distributed to a local charity assisting young children. Hot dogs, chips and pop will be provided. Reservations are required and can be made by calling Karen at (800) 475.1331, ext. 8584.

Santa VisitsFriday, November 29, 2019Asbury Road Office10:30 a.m. – 12:30 p.m.

Visit Santa and one of his magical reindeer at DuTrac's Asbury Office to take photos and share your wish list!

Friday, December 20, 2019 Jersey Ridge Office 3 – 5 p.m.

Visit Santa at DuTrac's Jersey Ridge office to take pictures and share your wish list!

Davenport: October 16Social Security Seminars

Davenport: November 13Dubuque: November 14

Wednesday, December 4, 2019The Palace Dinner TheaterWisconsin Dells, WIDubuque Departure$80 per person

This heart-warming show is packed full of classic and contemporary song and dance – incredible performers, stunning costumes and dazzling sets. This spectacular holiday celebration is sure to re-kindle the spirit in all of us!

« Price includes deluxe motor coach transportation, main floor seating, meal, coffee and tea, water, snack, and server/driver gratuity. Also included, a one hour stop at the Antique & Craft Malls of Wisconsin Dells. RSVP & payment due by Friday, November 1, 2019.

Thursday, February 6, 2020The Marcus CenterMilwaukee, WIDubuque Departure$139 per person

Giraffes strut. Birds swoop. Gazelles leap. The entire Serengeti comes to life as never before. And as the music soars, Pride Rock slowly emerges from the mist. There is simply nothing else like The Lion King.

« Price includes deluxe motor coach transportation, main floor seating, water, snack, and driver gratuity. RSVP & payment due by Wednesday, January 1, 2020.

Disney's The Lion King