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PLATINUM ADVENTURES® NEWSLETTER
SUMMER 2016
DAY TRIPS • EXTENDED TRIPS • SEMINARS • AND MORE!
A MESSAGE FROM
THE DIRECTOR
The weather’s starting to heat up and so are the adventures! The change in
season means new trips, day activities and seminars and we’re excited to share
them with you. We hope you’ll grab a friend and your date book and get some
great adventures on your schedule.
We want to make you aware of one change for the new quarter. Each
event will have member and non-member pricing. If you are a member
of the Platinum Adventures Club, you’ll qualify for the member rate.
If you are not a current member, it’s easy to join: you just need to be
50+ and have a current customer relationship. If you haven’t signed up
for the club, you’ll have to pay non-member pricing to participate in
the events, so stop into the bank and fill out and sign a membership
card today!
Summer is fast approaching. Everyone’s schedule will soon start to get busy
with vacations, weddings, graduations and other opportunities to spend time
with family and friends. We have had an awesome spring on our Platinum
Adventures trips and have seen some outstanding musicals. I hope that you
will find our upcoming day and extended trips interesting. This fall we will be
hosting trip previews to showcase what we have in store for the remainder of
the year through 2017! We look forward to seeing you!
Hope you all enjoy your summer.
FOR MORE INFORMATION ABOUT ANY OF THE
EVENTS YOU SEE IN THIS NEWSLETTER, OR TO
RSVP, CONTACT ME:
JUDY BRATZ
262-767-3220 | [email protected]
FOR DETAILED
ITINERARIES ON
ANY OF THESE
UPCOMING
DAY TRIPS,
CONTACT YOUR
PLATINUM
ADVENTURES
DIRECTOR.
DAY TRIPS
Pay close attention to the means of
transportation for these trips. Often times,
we will gather and transport the group by
bus, but there are some events that require
you to commute on your own. As always, if
you should have any questions about any
of these day trips, or would like to RSVP,
contact your bank’s Platinum Adventures
director at the phone number or e-mail
listed in this newsletter.
You’ll have the unique opportunity to
explore the wonders we have nearby. We
carefully plan each of our day trips, events
and seminars to ensure they are packed
with as much adventure and education as
possible. Plus, each event offers a great
chance to share with friends just what the
Platinum Adventures® Club is all about.
WEDNESDAY, AUGUST 24
Extended Trips Preview
EASY 1
2
3
4
5 ENERGETIC
Wintrust Financial Center
THURSDAY, AUGUST 11
Churches and Chocolate Tour
EASY 1
2
3
4
5 ENERGETIC
MILWAUKEE, WI
Join us for a tour of three churches followed by a visit to a
chocolatier. A docent will meet us at each church to give
us the history and architecture of the historic buildings. We
will then travel to visit the chocolatier where we will learn
about the craft, followed by lunch at Mader’s.
TIME: 9 AM TO 4 PM | COST: $100 PER PERSON
RESERVATIONS ARE REQUIRED.
2
9700 W. HIGGINS RD. | ROSEMONT, IL
Join us for a special trip presentation and travel the world
with Platinum Adventures! You will hear all about exciting
trips and see slide shows for great destinations planned in
2017. Learn about our trips: Montreal & Quebec, Elegant
Ireland, the Canadian Rockies by train, Branson, Missouri,
New England in the fall and our Rhine and Mosel River
Cruise in Europe. You’ll want to start packing your bags after
you learn about these great trips. Lunch is included.
TIME: 11:30 AM
COST: MEMBERS & NON-MEMBERS | FREE
RESERVATIONS ARE REQUIRED.
RESERVATIONS ARE REQUIRED FOR
ALL EVENTS. PLEASE CONTACT ME
TODAY TO RESERVE YOUR SPOT:
JUDY BRATZ
262-767-3220
[email protected]
THURSDAY, SEPTEMBER 22
The How and Why of Memoir Writing
EASY 1
2
3
4
5 ENERGETIC
Town Bank, Burlington
400 MILWAUKEE AVE. | BURLINGTON, WI
According to presenter Karen Larsen of Generation
Connection, “We all have a story. No other person has lived
your life and only you can tell that story best.” Her program
will explore ways to get started on writing down your very
own life story.
Trip Previews
EASY 1
2
3
4
5 ENERGETIC
Come and join us for an exciting view of our 2017 extended
trips. In 2017, we will be traveling to Ireland, the Canadian
Rockies by train and the colors of New England.
SEPTEMBER 7 | 10 AM | TOWN BANK - DELAVAN
820 E. Geneva St. | Delavan, WI
SEPTEMBER 7 | 1:30 PM | TOWN BANK - PEWAUKEE
N27 W24025 Paul Ct. | Pewaukee, WI
SEPTEMBER 12 | 1 PM | TOWN BANK - DARLINGTON
15815 Hwy. 81 | Darlington, WI
COST: MEMBERS & NON-MEMBERS | FREE
RESERVATIONS ARE REQUIRED.
REVERSE MORTGAGE SEMINARS
EASY 1
2
3
4
5 ENERGETIC
Join us for an important presentation on reverse mortgages!
The reverse mortgage program has recently undergone
some dramatic changes for the better. Wintrust Mortgage’s
Will Yoho will present important and useful information on
this subject.
September 20 | 10 AM | Town Bank in Elm Grove, IL
October 5 | 11 AM | Veterans Terrace in Burlington, IL
October 5 | 2 PM | Town Bank in Delavan, IL
October 11 | 11 AM | Monroe Senior Center
COST: MEMBERS & NON-MEMBERS | FREE
RESERVATIONS ARE REQUIRED.
TIME: 1 TO 3 PM
COST: $10 PER PERSON
RESERVATIONS ARE REQUIRED.
BRING HOME A
REVERSE
MORTGAGE!
Reverse mortgages are a great tool to minimize
taxes, avoid selling assets at the wrong time, and can
improve overall retirement portfolio performance.
Please contact a loan officer today to discuss whether
a reverse mortgage is right for you!
FHA reverse mortgage loans require an upfront and annual life of the loan mortgage insurance premium. Borrowers
who are currently delinquent or have been 30 days overdue more than once during the past 12 months will not
qualify. Wintrust Mortgage is not currently participating in the HomePath Renovation Program. Program rates,
terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines.
Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank
NMLS# 449042 This ad is not from HUD or FHA and was not approved by HUD, FHA or a government agency.
3
WEDNESDAY, OCTOBER 5
Western Racine Fall
Senior Information Fair
EASY 1
2
3
4
5 ENERGETIC
Burlington Veterans Terrace
589 MILWAUKEE AVE. | BURLINGTON, WI
Stop by the Burlington Veterans Terrace for the free
Western Racine County Fall Senior Information & Safety
Fair! Visit many exhibits and listen to our great guest
speakers. Do you have important documents you need
shredded? Stop by and visit the shred truck that will be in
the parking lot.
TIME: 9 AM TO NOON
COST: MEMBERS & NON-MEMBERS | FREE
THURSDAY, OCTOBER 13
Let Me Entertain You
EASY 1
2
3
4
5 ENERGETIC
Nichols Concert Hall
EVANSTON, IL
Everything’s coming up roses at this most delightful concert
performance! “Let Me Entertain You” features Jule Styne’s
greatest hits, including songs from “Gypsy,” “Funny Girl” and
more. Savor such melodies as: “Don’t Rain on My Parade,”
“Just in Time,” “People,” “Make Someone Happy,” and many
more. We will enjoy lunch before the performance at
Maggiano’s Little Italy in the Westfield Old Orchard Mall.
Lunch includes appetizer, salad, pasta, chicken entree
and dessert.
COST: MEMBERS & NON-MEMBERS | $99 PER PERSON
INCLUDES: CONCERT TICKET, LUNCH, BUS
CALL FOR DEPARTURE INFORMATION.
THURSDAY, OCTOBER 13
October Trip Preview Events
EASY 1
2
3
4
5 ENERGETIC
Join us for exciting trip previews. See what is new for the
2017 extended trips. Come check out the information on
the river cruise and Branson, Missouri.
10 AM | TOWN BANK - BURLINGTON
400 Milwaukee Ave. | Burlington, WI
1:30 PM | TOWN BANK - ELM GROVE
13150 Watertown Plank Rd. | Elm Grove, WI
4
COST: MEMBERS & NON-MEMBERS | FREE
RESERVATIONS ARE REQUIRED.
RESERVATIONS ARE REQUIRED FOR
ALL EVENTS. PLEASE CONTACT ME
TODAY TO RESERVE YOUR SPOT:
JUDY BRATZ
262-767-3220
[email protected]
THURSDAY, NOVEMBER 3
Art and Architecture
EASY 1
2
3
4
5 ENERGETIC
Milwaukee Art Museum
MILWAUKEE, WI
Join us as we visit the recently renovated, fabulous
Milwaukee Art Museum. Set on Lake Michigan, you’ll
be amazed at this lovely structure. You’ll marvel at this
architectural masterpiece by Santiago Calatrava and be
amazed at the fabulous artwork inside. Our day includes
small docent-led tours of the museum. The tour features
highlights of the permanent art collection and an
architectural tour of the museum. Lunch is included
along with free time to explore the museum further.
COST: MEMBERS | $70 PER PERSON
NON-MEMBERS | $80 PER PERSON
CALL FOR DEPARTURE INFORMATION.
BRING HOME AN EASIER WAY TO BANK WITH
DIGITAL ACCESS
ONLINE & MOBILE BANKING 1
Bank any place, any time
get account details | transfer funds
pay bills | mobile deposits | e-statements1
MasterCard® debit cards
CARDLESS CASH 1
Withdraw cash from any participating
Wintrust ATM with only your smartphone!
PEOPLE PAY 1
Send and receive money safely
and conveniently anywhere in the U.S.
via email & text
HAVE QUESTIONS OR NEED HELP?
SEE A PERSONAL BANKER
FOR MORE INFORMATION.
1. Third party message, data, and/or internet fees may apply. Use of online Banking is required for access to Mobile/
Remote banking and person-to-person payments. Mobile/Internet connectivity is required. Remote Deposit requires
established Checking, Savings or Money Market deposit account for personal, family or household purposes with
the Bank for at least 30 days and has had no more than six overdraft occurrences within the past or current calendar
year. Person-to-person payments require a Checking account. Cardless Cash requires a checking
account and debit card with the bank and is available only at Wintrust Community Bank ATMs.
5
WEDNESDAY, NOVEMBER 9
Essential Estate Planning Strategies
Selecting a Trustee
EASY 1
2
3
4
5 ENERGETIC
Wintrust Financial Center
9700 W. HIGGINS RD. | ROSEMONT, IL
Join us for an important presentation you can’t afford to
miss. Learn what important documents are necessary for
a complete estate plan and why a trust isn’t just for the
wealthy. Learn ways to avoid probate and why having a will
isn’t enough and will cause a delay in the administration of
your estate. A discussion will follow about avoiding personal
property disputes, how trusts can help reduce estate taxes
and why selecting the right trustee is one of the most
important decisions to make. Lunch is included.
TIME: 11:30 AM
COST: MEMBERS & NON-MEMBERS | FREE
WEDNESDAY, NOVEMBER 16
Christmas at the Fireside
EASY 1
2
3
4
5 ENERGETIC
Fireside Theatre
1131 JANESVILLE AVE. | FORT ATKINSON, WI
Join us as we present another all new edition of “A Fireside
Christmas,” bringing you a show that will rekindle the true
Christmas spirit in all of us. Through songs, stories and
dances, we commit ourselves to capturing the very heart
and essence of the holiday season.
TIME: TBD | COST: $98 PER PERSON
RESERVATIONS ARE REQUIRED.
DEPARTURE INFORMATION: TBD.
6
RESERVATIONS ARE REQUIRED FOR
ALL EVENTS. PLEASE CONTACT ME
TODAY TO RESERVE YOUR SPOT:
JUDY BRATZ
262-767-3220
[email protected]
BRING IT HOME TO A FIRM
THAT SEES
YOU AS
MORE THAN
A NUMBER .
If your bank is making you feel like your account
is too small to be important, maybe it’s time for
a new wealth management relationship.
WEDNESDAY, DECEMBER 7
Christmas Around Milwaukee
Bakery Bus Tour
EASY 1
2
3
4
5 ENERGETIC
MILWAUKEE, WI
Our Christmas bakery bus tour will take us to five individual
bakeries! In route to each location, we will learn the history
of the Christmas holiday traditions of Polish, Germans,
Italians, Irish, Russians and more! At each stop the guest will
receive one bakery item along with time to shop. We will
enjoy a sit down lunch.
TIME: 9 AM TO 4 PM | COST: $95 PER PERSON
RESERVATIONS ARE REQUIRED.
DEPARTURE INFORMATION: TBD.
We want to be there for you during all the important
decisions in your life. From saving up to buy your first
home to planning for retirement, we will be with you
every step of the way. Bring it home to a firm that puts
you first instead of turning you away.
WEDNESDAY, FEBRUARY 1 | 2017
Mamma Mia!
EASY 1
2
3
4
5 ENERGETIC
Fireside Theatre
Contact one of our
Financial Advisors for more details.
Securities, insurance products, financial planning, and investment management services are offered through
Wayne Hummer Investments, LLC (Member FINRA/SIPC), founded in 1931. Trust and investment management
services offered by The Chicago Trust Company, N.A. and Great Lakes Advisors, LLC, respectively. Investment
products such as stocks, bonds, and mutual funds are not insured by the FDIC or any federal government agency,
not bank guaranteed or a bank deposit, and may lose value.
1131 JANESVILLE AVE. | FORT ATKINSON, WI
“Mamma Mia” is the ultimate feel-good show! A mother,
a daughter, a Greek island paradise, a trip down the aisle
you will never forget, and the story-telling magic of ABBA’s
timeless songs propel this enchanting tale of love, laughter,
and friendship creating an unforgettable show.
TIME: 10:30 AM | COST: $98 PER PERSON
RESERVATIONS ARE REQUIRED.
DEPARTURE INFORMATION: TBD
7
WEDNESDAY, MARCH 29 | 2017
Beauty and The Beast
EASY 1
2
3
4
5 ENERGETIC
Fireside Theatre
1131 JANESVILLE AVE. | FORT ATKINSON, WI
A sparkling , hilarious, touching, dazzling and endearing
musical! Disney’s “Beauty and the Beast” has thrilled millions
of people of all ages. You’ll love this new breath-taking
production filled with stunning scenery, ravishing costumes,
fabulous dancing, side-splitting humor and delightful songs.
TIME: 10:30 AM | COST: $98 PER PERSON
RESERVATIONS ARE REQUIRED.
DEPARTURE INFORMATION: TBD.
WEDNESDAY, MAY 24 | 2017
South Pacific
EASY 1
2
3
4
5 ENERGETIC
Fireside Theatre
1131 JANESVILLE AVE. | FORT ATKINSON, WI
“South Pacific” is a story of love, heroism, courage, and the
optimism of America. Set during World War II, this epic tale
is told with humor, passion, beauty, action, and is one
of Broadway’s most impressive musicals. The Fireside
is proud to present this timeless classic in an all new
sumptuous production.
TIME: 10:30 AM | COST: $98 PER PERSON
RESERVATIONS ARE REQUIRED.
DEPARTURE INFORMATION: TBD.
8
RESERVATIONS ARE REQUIRED FOR
ALL EVENTS. PLEASE CONTACT ME
TODAY TO RESERVE YOUR SPOT:
JUDY BRATZ
262-767-3220
[email protected]
FOR DETAILED
ITINERARIES ON
ANY OF THESE
UPCOMING
EXTENDED TRIPS,
CONTACT YOUR
PLATINUM
ADVENTURES
DIRECTOR.
entertainment will be provided and have
been thoughtfully planned out by our
Platinum Adventures® directors alongside
experienced and highly qualified travel
professionals. All extended trips that are
two nights or longer include at home pickup and return. Sit back, relax, and join us
for this rare opportunity to see the sights
you never thought you’d see. If you have
any questions, need more information or
would like to RSVP for any of our extended
trips, please contact your Platinum
Adventures® Club director.
EXTENDED
TRIPS
Have you always wanted to explore the
world but don’t know where to begin to
plan your travels? We have the solution
for you. Let us handle all of the planning.
Our extended trips offer you the chance
of a lifetime to see the world like you’ve
never seen it before. Extended trips range
in length from a few days to a few weeks.
Most transportation, lodging, meals and
AUGUST 2 - 4 | 2016
Summertime Mini-Mystery Tour
EASY 1
2
3
4
5 ENERGETIC
OCTOBER 18 - 19 | 2016
Springfield: The Land of Lincoln
EASY 1
2
3
4
5 ENERGETIC
Get ready for the most creative, fun trip ever—the
Summertime Mini-Mystery Tour­­­—where participants don’t
know where they are going from one event to another.
You’ll visit interesting places amidst a special theme
complete with witty clues, giveaways, games, costumed
tour directors, unique entertainment and festive activities.
Excellent dining, deluxe hotels, fascinating attractions,
a professional tour director and all the added themed
mystery extras make this motor coach tour a great value.
Join us for an in-depth tour focusing on Abraham Lincoln.
As a result of Wintrust’s relationship with the Abraham
Lincoln Presidential Library and Museum, we will be
treated to a rare, not-seen-by-the-public look at some of
Abe Lincoln’s artifacts as shown to us by the foundation.
These items are not on display to the public! We’ll enjoy
lunch at the Library and visit the Presidential Museum.
Other trip highlights include Lincoln’s Home, the Old
State Capitol, the Lincoln Herndon Law Office and
Lincoln’s Tomb.
COST: MEMBERS & NON-MEMBERS
DOUBLE $1,075 PP | SINGLE $1,175 PP
COST: MEMBERS & NON-MEMBERS
DOUBLE $370 PP | SINGLE $420 PP
9
APRIL 23 - MAY 3 | 2017
Rhine and Mosel River Cruise
EASY 1
FEBRUARY 18 - 25 | 2017
Southern California
Featuring Reagan and Nixon Libraries
EASY 1
2
3
4
5 ENERGETIC
Join us as we escape winter and travel to sunny southern
California! This getaway features two presidential libraries:
Ronald Reagan and Richard Nixon. You’ll stay at the historic
Queen Mary Hotel in Long Beach. You’ll taste Hollywood
with a “stars” tour and visit to Universal Studios. All aboard
the Catalina Island Ferry, with a stop at Catalina Island. Then
board the Dana Point Ferry towards San Diego. You’ll visit
Coronado Island, La Jolla, choose Sea World, the zoo or a
cooking demo and much more!
2
3
4
5 ENERGETIC
Experience the re-awakening of spring in the Netherlands as
well as on the Rhine and Mosel Rivers. We’ll visit Keukenhof
Gardens at the peak of tulip season and see the countryside
bloom as we sail these two historic rivers of Europe.
We’ll visit Strasbourg, the Capital of the Alsace Region,
Rudesheim and Boppard. Next, we’ll head to Cochem,
Cologne and Amsterdam. A two-night hotel stay in Lucerne,
Switzerland is also included to further enhance your
memorable experience.
COST: STARTING AT $4,924 PP BASED ON
CABIN PREFERENCE.
CALL FOR PRICE. MEMBER AND NON MEMBER
PRICING WILL APPLY.
COST: MEMBERS DOUBLE $3,625 PP | SINGLE $4,375 PP
NON-MEMBERS DOUBLE $3,825 | SINGLE $4,575 PP
MARCH 27 - 31 | 2017
Branson Blast
EASY 1
10
2
3
4
5 ENERGETIC
MAY 7 - 11 | 2017
Montreal & Quebec
EASY 1
2
3
4
5 ENERGETIC
BRANSON, MO
Have a blast in Branson on this fun-filled adventure. Our trip
includes five live shows including “Moses!” at the Sight and
Sound Theatre, Dublin’s Irish Tenors, Clay Cooper’s Country
Express Show and the Branson Bell Cruise Dinner Show.
We’ll visit Fantastic Caverns, the largest and original Bass
Pro Shop and the amazing Titanic Museum. You’ll have time
to shop at Branson Landing and explore this fun part of the
Midwest. If you’ve never been to Branson, now’s the time.
Or, if you have, come back and see what’s new!
Montreal & Quebec are a beautiful combination of eastern
Canada that are not to be missed. Montreal combines the
architecture and culture of modern Canada with a more
traditional Old World flavor. While there, enjoy a city tour,
the Place Jacques-Cartier, the Old Port, the French Quarter,
Notre Dame Cathedral and more. While in the Frenchspeaking Quebec City, along the banks of the St. Lawrence
River, you’ll see the Old Walled City, Place Royale, Parliament
Buildings and much, much more.
COST: MEMBERS DOUBLE $1,259 PP | SINGLE $1,359 PP
NON-MEMBERS DOUBLE $1,419 | SINGLE $1,519 PP
COST: MEMBERS DOUBLE $2,325 PP | SINGLE $2,850 PP
NON-MEMBERS DOUBLE $2,525 PP | SINGLE $3,050 PP
RESERVATIONS ARE REQUIRED FOR
ALL EVENTS. PLEASE CONTACT ME
TODAY TO RESERVE YOUR SPOT:
JUDY BRATZ
262-767-3220
[email protected]
OCTOBER 9 - 16 | 2017
Colors of New England
EASY 1
JUNE 16 - 24 | 2017
Elegant Ireland
EASY 1
2
3
4
5 ENERGETIC
Enjoy days of yore and old-world elegance as you explore
the Emerald Isle. You’ll stay in some of Ireland’s most
luxurious estates, interact with its charming locals and take
in the inspiring beauty that has made Ireland a timeless
destination. You’ll visit Dublin, the country’s medieval capital
of Kilkenny, the House of Waterford Crystal and the Blarney
Castle. You can even kiss the Blarney Stone! Enjoy the
beautiful, coastal Ring of Kerry trail. And, of course, the
Cliffs of Moher and Dromoland Castle, plus more.
2
3
4
5 ENERGETIC
Welcome to New England in the fall! Enjoy a guided tour
of Boston featuring its famed Faneuil Hall Marketplace.
Spend two nights in the quaint New England town of Stowe.
Embark on a cruise on stunning Lake Winnipesaukee. Drive
the Kancamagaus Highway, a scenic byway in the White
Mountains. Take in the spectacular views on a relaxing
cruise through Boothbay Harbor. Our New England trip
takes you through the best of Massachusetts, Vermont, New
Hampshire and Maine.
COST: MEMBERS DOUBLE $3,879 PP | SINGLE $5,179 PP
NON-MEMBERS DOUBLE $4,079 | SINGLE $5,379 PP
COST: MEMBERS DOUBLE $4,825 PP | SINGLE $5,875 PP
NON-MEMBERS DOUBLE $5,025 | SINGLE $6,075 PP
Prices good for bookings through 12/16/16.
AUGUST 5 - 13 | 2017
Canadian Rockies By Train
EASY 1
2
3
4
5 ENERGETIC
Join us for a remarkable journey through the stunning
landscapes, charming towns and beautiful lakes of the
Canadian Rockies. Your adventure begins in Vancouver
with a city tour, then all aboard the VIA Rail to begin your
journey to the majestic Canadian Rockies. You’ll visit Jasper,
Alberta, travel along the unforgettable Icefields Parkway, see
beautiful Lake Louise, Calgary and more. While visiting Banff,
see lovely Bow Falls and the fascinating Hoodoos. You won’t
want to miss this one!
COST: MEMBERS DOUBLE $5,675 PP | SINGLE $6,675 PP
NON-MEMBERS DOUBLE $5,875 | SINGLE $6,875 PP
11
850 W. North Shore Dr. | Hartland, WI 53029
262-367-1900 | www.townbank.us
PROUD TO BE A WINTRUST COMMUNITY BANK. We are nearly 3,500 community and commercial bankers, home loan officers, financial advisors
and specialty lenders focused solely on our customers and the communities where they live. We all have the same mission: To provide best-in-class
financial services to all of our customers, be the local alternative to the big banks, and to improve the communities which we call home.
Membership is for those 50 years of age or better with a customer relationship. See a personal banker for more details.
GENERAL INFORMATION
FOR INFORMATION REGARDING DEPARTURE SITES, PLEASE CONTACT JUDY BRATZ.
RESERVATION POLICY FOR DAY & EXTENDED TRIPS:
Reservations may be made by phone to Judy Bratz at 262-767-3220 or by email at [email protected].
For your reservation to be confirmed, payment must be in my office within seven days after reservations are made:
Judy Bratz, Town Bank, 850 W. North Shore Dr., Hartland, WI 53029. Please make checks payable to Platinum Adventures® (sorry
no credit cards on day trips). Please remember to make your menu selections when you reserve your tour. Member pricing is for
current Platinum Adventures® Club members only.
RESPONSIBILITY OF TOWN BANK:
Town Bank is acting in the capacity of extending this invitation to travel to the Platinum Adventures® members and their
guests. I further understand that the Bank reserves the right to refuse acceptance to anyone it judges incapable of meeting
the rigors and requirements of participating in any activity or trip at any time.