March-April Newsletter - Hardin County Savings Bank

THE
LiNK
Linking you to financial success.
March/April 2016
www.hardincsb.com
Dear LiNK Members,
Natasha Phillips
The LiNK Club Director
641-939-3407
[email protected]
Eldora • 641-939-3407
1202 Edgington Ave., PO Box 311
Eldora, IA 50627
Motorbank • 641-939-5561
1414 Edgington Ave.
Eldora, IA 50627
Union • 641-486-5331
415 Center St., PO Box 402
Union, IA 50258
Liscomb • 641-496-5215
102 Main St.
Liscomb, IA 50148
What’s Inside
The LiNK Open House..... 2
Hardin County
Performance Series ........2
A Magical Day Trip.......... 3
Celebrating Indiana......... 4
Working For You............. 5
Customer Spotlight......... 6
HCSB and Debit Card
Conversion to
Chip Cards........................ 7
Don’t you just get excited when
thinking about March and April
approaching? It springs new life into
me! And if you have a green thumb, I
know you are especially getting antsy
for more than just the warmer weather.
Recently, I was finally able to fulfill a
dream of having a garden. I quickly learned
a few things during my first year. I didn’t think
the neighborhood deer had found my goods
until the moment they were ripe – that’s when they
snatched them up! Tricksters! I have since wised up and
scent my precious plants to repel scavengers. I also realized which plants
I actually used and which I didn’t care for. Broccoli grew outrageously, and
was bitter to the taste. However, I very much enjoyed lavender, roses, one
peony, daisies, lilies, lettuce, cucumbers, zucchini, green beans, and a plethora of blackberries. It’s a rewarding hobby. If you enjoy gardening as I do, I
hope you also can enjoy the fruits of your labor this year.
Looking for a day out chocked full of FUN? The Magical Day trip has a variety of
activities and education. The adventures we have planned are sure to fascinate
you from start to finish! Turn the page to see what is included in this April day trip.
I hope 2016 is a year we hear more from YOU! We want to learn what you love to
do, where you like to go, how you enjoy life and what we can do to help you get
there. We are here for YOU, for LIFE!
Truly,
Natasha
Lunch Winners!
Congratulations to our birthday lunch winners:
Lora Kramer, Katheryn Snider, Donna Blanchard and Janet Hadley!
Each month two members’ names are drawn from that month’s birthday list.
You could be the next lucky winner!
Puzzle Winner
Kay Froning was the puzzle winner and was awarded a $20 MasterCard gift
card. Thank you to all who submitted puzzle entries! Be sure to return your
SHAZAM BOLT$.............. 7 completed puzzle in this issue. You may be the next lucky winner of a $20
Sudoku............................. 8 MasterCard gift card. Return your completed puzzle to an HCSB location by
Monday, April 4th to be included in the MasterCard gift card drawing.
SIGN UP
SAVE THE DATE
SIGN UP
Contact Natasha Phillips [email protected], 641-939-3407
SAVE THE DATE
Page 2
Hardin County Savings Bank
The LiNK Open House
Tuesday, April 5, 2016
Eldora
8:30 a.m. - 4:00 p.m.
Union
8:30 a.m. - 3:30 p.m.
Liscomb 8:30 a.m. - 1:30 p.m.
The time for celebrating your loyalty to HCSB
through the LiNK Club is here again! You can
anticipate yummy, homemade sweetbreads and
freshly brewed flavored coffee at this annual
event. A display of LiNK events for the year will
be in the lobby at our Eldora location. This is the
perfect time to ask questions, make reservations
or express any suggestions you may have for the
club.
Be sure to get your name in the drawing for some
fun door prizes! You may be the lucky winner of
gift cards and certificates. If you won’t be able
to attend in person, send your name and phone
number by April 4 to [email protected] to
be entered to win!
Hardin County Performance Series presents
Jim McDonough
Saturday, April 23, 2016 7:00 p.m.
$25 all seats
South Hardin High School Auditorium
An Iowa boy, born in Monticello, Jim graduated
from Wartburg College with a degree in music
education. After stints as a high school band
director, cruise ship entertainer and air-traffic
controller, Jim McDonough began selling his
distinctive brand of soothing piano music in gift
shops in eastern Iowa. Today, Jim’s independent
record label, Jim McDonough Productions, Inc.,
has sold a quarter million of his albums. He was
recently honored by the legendary piano maker,
Steinway & Sons when they named him to its
worldwide artist roster. In this honor, he joins the
most accomplished pianists of all genres including
Harry Connick Jr., Billy Joel, Diana Krall, Lang
Lang, Irving Berlin and Cole Porter. Known for
his Holiday Grande tours, Jim will bring his 14
piece professional orchestra to this first time ever
SPRING TOUR.
Page 3
A Magical Day Trip
Tuesday, April 26, 2016
This Magical Day Trip will leave you spellbound!
Limited seating!
ONLY $195
After our tour of the green countryside, we will see those
big green machines that have also raked in the green.
At the John Deere Tractor Assembly, the tour guide will
take us through each stage of the manufacturing process,
explaining how all the pieces magically come together to
create the world’s finest tractors. Come behind the scenes
and see how John Deere’s biggest machines are brought to
life in one of the most modern and efficient factories in the
world.
Make your reservations now! [email protected] or via
phone (641) 939-3407.
SAVE THE DATE
When the tour is complete and you are left mesmerized, you
will be given freedom to explore the John Deere Tractor and
Engine Museum FULL throttle! This museum is the newest
addition to John Deere attractions, including highlights of
their nearly 100-year history in Waterloo.
To top off the night, we will experience the world’s bestselling magic show at Gallagher Bluedorn. This spectacular
performance, direct from Broadway, showcases mindblowing talents of the most incredible Illusionists on
earth. THE ILLUSIONISTS™ – Live from Broadway™
has shattered box office records across the globe and
dazzles audiences of all ages with a powerful mix of the
most outrageous and astonishing acts ever to be seen on
stage. This non-stop show is packed with thrilling and
sophisticated magic of unprecedented proportions.
SIGN UP
Next on our agenda is a leisure ride through the country
with a step-on guide. We will learn how quilts came to be, as
if by magic, on the sides of barns throughout the Waterloo
and Cedar Falls area – known as the Barn Quilts.
Once we have learned how we harvest our food, we will
appreciate the fruits of that labor at Galleria de Paco. A
destination all its own, the Galleria de Paco is Iowa’s own
slice of Rome. Artist Paco Rosic spent four months painting
a magical display of the Sistine Chapel ceiling using Krylon
spray paint onto the ceiling of the restaurant. This upscale
eatery offers lavish décor with an exceptional menu and
world class wines.
SAVE THE DATE
We will begin the day greeting fellow travelers with Love
a Latte’s freshly brewed coffee and a morning treat. Then
we’ll board the motor coach and set off to discover the
enchanting creativity that thrives at Barn Happy in Cedar
Falls. It’s where locals display their one-of-a-kind crafts,
lotions, candles, and soaps. We’ll enjoy a lovely brunch
made from scratch. Then, to complete this nostalgic Iowa
experience, we will browse through the hayloft filled with
antiques that will take you back to the magical years of
yesterday.
Contact Natasha Phillips [email protected], 641-939-3407
Reservations due now with $25 deposit.
Final Payment due Tuesday, March 15, 2016.
Featuring:
• The ILLUSIONISTS performance at the GallagherBluedorn
• Brunch at Barn Happy
• Barn Quilts Tour with step on tour guide
• John Deere Tractor Assembly Tour
• John Deere Tractor and Engine Museum
• Gourmet dinner at Galleria de Paco
• Motor coach transportation
SIGN UP
The LiNK • March/April 2016
SIGN UP
SAVE THE DATE
SIGN UP
Contact Natasha Phillips [email protected], 641-939-3407
SAVE THE DATE
Page 4
CELEBRATING
INDIANA
(and a little bit of Illinois!)
*Shared Tour
5 Days
June 26 – 30, 2016
Day 1 – June 26 • South Bend
Depart Eldora and travel across parts of Iowa and Illinois on
the way to your overnight accommodations in South Bend,
Indiana. After checking into the hotel, dinner is served at the
Tippecanoe Restaurant, located in the former home of the
inventor of the Studebaker automobile. (D)
Day 2 – June 27 • South Bend, Middlebury
A tour of the South Bend Chocolate Factory starts our day
on a sweet note. Next is the Studebaker National Museum
featuring both horse drawn and motorized Studebaker
vehicles. Lunch is included at the Trolley Café in Goshen,
Indiana. There will be time to explore the Old Bag Factory,
home to artists and craftsmen of all types. A local Master
Gardner joins us this afternoon for a tour of the unique Quilt
Gardens which features more than 110,000 blooms in 19
eye-popping flower gardens laid out in quilt patterns. Check
into the Essenhaus Hotel for a two-night stay, and then
enjoy dinner at the hotel, followed by a Broadway style show.
(B,L,D)
Day 3 – June 28 • Amish Country
A local Amish guide will join us for a full-day of touring in
Indiana’s Amish Country. Included will be a woodworking
shop where you can design your own birdhouse and see
some wonderful furniture items.You will also see a shop that
builds those unique buggies they drive and a farm
that raises camels. Lunch will be a chuckwagon style
bar-b-que at Cook’s Buffalo Ranch followed by a wagon ride
into the pasture to hand feed the Great American Bison.
The final stop today will be in Elkhart for a guided tour of the
Jayco Manufacturing Company, makers of some of the most
well-known trailers and mobile homes. To conclude the day,
we invite you to come inside an Amish home for a delicious
dinner and a ride in an Amish buggy. (B,L,D)
Day 4 – June 29 • Fair Oaks, Starved Rock
We’ll travel to Fair Oaks, Indiana for a tour and lunch at
the Fair Oaks Dairy, home to more than 36,000 cows! Your
riding tour will take you through some of the barns and stop
to view one of the 72-cow milking parlors located on 19,000
acres. Lunch is included in the Farmhouse Restaurant with
time to browse the shops on the grounds or visit the birthing
barn. You now travel into Illinois where you will be taken on
a mule-drawn boat ride on the I & M Canal before checking
into the Lodge at Starved Rock State Park near Utica, Illinois.
Dinner will be included this evening followed by a Storyteller
to conclude the day. (B,L,D)
Day 5 – June 30 • Travel Home
After breakfast you’ll enjoy a one-hour cruise on the Illinois
River aboard the Belle of the Rock. After a lunch stop in
Galena, we’re homeward bound for Iowa. (B)
B, L, D = Breakfast, Lunch, Dinner
*This is a shared tour with First State Bank in Webster City
Hardin County Savings Bank
Your Tour Price:
$1,276.00 per person – 4 to a room
$1,350.00 per person – 3 to a room
$1,450.00 per person – 2 to a room
$1,760.00 per person – single
$100 due with reservation by March 16.
Balance Due May 4.
The Tour Includes: Deluxe Motorcoach Transportation, Four
Nights’ Lodging, Luggage Handling for One Piece Per Person,
Full-Time Tour Director, 11 Meals, All Attractions and
Activities per the Itinerary and All Taxes and Gratuities for
Included Meals, Lodging and Attractions, Gratuities for
Driver and Tour Manager.
Full tour itinerary flyer, registration form and travel protection
plan available. Tri State Travel is the tour provider.
The LiNK • March/April 2016
Page 5
Working
For
You
Angie Lunsford
Our world continues to use more and more technology and HCSB continues to evolve right along with
it. Our focus on technology and online applications has prompted the hiring of our newest employee.
We welcome Angie Lunsford to the HCSB team, primarily to work in our IT (Information Technology)
department. However, for the next few months, you will see her throughout the bank in Eldora learning the
policies, procedures and inner workings of each department.
Prior to joining HCSB, Angie worked in the IT department at Swift in Marshalltown. Before that she was an
FC2 in the Navy (radar weapons systems technician). Angie mentioned she has already come to appreciate
and enjoy the atmosphere of the bank along with the many welcoming people in our community. Angie
is no stranger to new environments. She was born in Virginia, spent most of her childhood in the Houston
area and has since lived in New York, Illinois and Alaska.
Settling down in the Midwest may have been off her radar, but she has
certainly embraced country living. Angie lives in Liscomb with her husband,
Don, and their three children. Ian, nine years old, goes to school at BCLUW
and participates in wolf creek wrestling. Tristan, an active four year old, is in
preschool and likes to play with his friends at daycare. Delaney, nine months,
likes to put everything in her mouth, of course. The family also has two dogs,
three cats, forty chickens, two peacocks and six rabbits. And if that were not
enough, they raise pheasants. With any spare time, Angie and her family
remodel their home, garden and spend time with their friends.
P le a s e jo in u
s in
we lc om ing A
ng ie
t o t h e H C SB
f am il y !
Page 6
Hardin County Savings Bank
Customer Spotlight
By Maggie Vander Wilt
Drs. Zak & Emily Stoulil
"Spring into Health" with Eldora Family Chiropractic
and our upcoming spring series of health talks at the
Eldora Public Library by Drs. Zak & Emily!
-March 15th: Natural Ways to Stress & Sniffle Less
-April 19th: Aging Gracefully
-May 17th: Eat Well to Live Well
All talks are on Tuesday nights at the library at 6 pm, are
free, and are open to the public!
“A wise man ought to realize that health is his most valuable possession.” - Hippocrates
A longstanding business on Eldora’s square recently saw a changing of the guard. Drs. Zak and Emily Stoulil became
the proud owners of Eldora Family Chiropractic and Wellness Center, formerly operated by Dr. Ron Neuerburg for over
thirty years. Although a slight name change, the business transition has been seamless. Drs. Zak and Emily continue to
provide traditional chiropractic care, helping local residents with that annoying pinch, stiff neck or sore back. They also
feel fortunate to have Joan Riskedahl as their “new” but seasoned employee. The three of them work together to take
phone calls, schedule patients and file insurance claims. Eldora Family Chiropractic is open 8:00 -12:00 and
2:00 – 5:00 Monday, Tuesday, Wednesday and Friday. They also see patients 1:00 – 5:00 on Thursdays and by
appointment on Saturday.
Although new to Eldora, Drs. Zak and Emily are familiar and content with small town living. Zak grew up and
graduated from high school in Pocahontas. He completed his undergrad at Iowa State University. Emily is from
Horicon, a small town in southeastern Wisconsin. She then graduated from UW-Madison with a biology degree. It was
chiropractic school that brought Zak and Emily together. They met while attending graduate school at Northwestern
Health Sciences University in Bloomington, MN. Toward the end of graduate school, the couple began looking to
purchase a small-town chiropractic business. Fortunately for Eldora, they chose to purchase the practice from
Dr. Neuerburg in July 2015.
In addition to offering traditional chiropractic care, Drs. Zak and Emily offer advice on lifestyle modifications and
nutrition that will contribute to reaching individuals’ health goals. “We love to help people make positive changes in
their health so they are able to enjoy a better life.” The doctors plan on hosting educational seminars to educate people
on ways they can improve and take charge of their health. They will begin this spring with a series at the Eldora public
library. Zak also hopes to become involved with high school athletes and sports teams. He volunteered time this past
winter with the Quakerdale Eagles basketball team. Emily’s special interest is educating children and says guiding
them down a healthier path early in life is a key to lifelong wellness.
The Stoulils both stay active and enjoy being outside. You may see Emily running around town or both of them going
for a hike at Pine Lake State Park. They are big sports enthusiasts, cheering for both Iowa State and the Badgers.
However, Emily mentions Zak will never agree to cheer for the Packers with her. At HCSB, Drs. Zak and Emily have
worked closely with Larry Wolf, but stated all the staff have been very helpful and friendly. We are pleased to partner
with Zak and Emily, supporting their local business which helps to make our community a great place to live.
The LiNK • March/April 2016
HCSB and Debit Card
Conversion to
Chip Cards
What is EMV?
EMV stands for Europay, MasterCard, and Visa, and is
commonly referred to as a chip card. The chip within the
card stores account information more securely, and the
technology itself provides protection against fraudsters
creating a replica of your card. The U.S. has started the
process of migrating to EMV.
Page 7
SHAZAM BOLT$
Nearly every day we see fraud or potential fraud on
debit cards. You can help protect your account by
downloading the SHAZAM BOLT$ app. Look for it in
your App or Google Store.
Why Chip Cards?
The biggest benefit of switching to chip cards is the
reduction in card fraud resulting from counterfeit, lost,
stolen cards and the convenience of mobile protection.
SHAZAM BOLT$ provides alerts for:
What does a chip card look like?
A chip card is the same size, shape and weight as your
current debit or credit card. The main differences
you’ll notice include a chip on the front of the card,
and the card will need to be inserted in the store or
ATM terminal to be read. Chip cards will have a chip
on the front and a magnetic stripe on the back, for the
foreseeable future. You may need to use one or the
other, depending on the situation, during the lengthy
transition period. It’s important to understand that your
card will work, it just needs to be used correctly.
How will it all work?
Physically, the purchasing process will feel the same
as it does now, except your card is inserted and left in
the terminal while your transaction processes, rather
than being swiped through the debit card reader. If you
swipe your chip card at a chip-enabled terminal, the
terminal will prompt you to insert the card if it’s capable
of supporting a chip transaction. If the terminal is not
chip-enabled you will swipe your card as you have
always done.
HCSB is in the process right now of converting our debit
cards and charge cards to chip cards. We’ll keep you
posted as to when your card will be replaced. If you have
questions, please be sure to check with any customer
service representative.
Purchases exceeding your defined thresholds
ard-not-present purchases
C
(phone and internet)
Suspicious or high-risk transactions
SHAZAM BOLT$ can instantly:
Send fraud alerts 24/7
Block and unblock your card
Locate ATMs nationwide
Provide account
balance information
Download the SHAZAM
BOLT$ app today and
experience the safety, speed
and convenience of mobile.
Not only are you protecting
your money, but you’re also
enjoying the flexibility to manage
your accounts wherever the road
takes you.
Another way to protect your
account is to lower your daily
limit for the debit card. Not
sure what your daily limit is?
Ask a customer service
representative. We’re happy
to help.
Phone__________________________________________________________
Name___________________________________________________________
Return your completed puzzle to an HCSB location by
Monday, April 4th to be included in the $20 MasterCard gift card drawing.
WANT TO BE THE FIRST TO KNOW WHATS GOING ON WITH THE LiNK?
INCLUDE YOUR EMAIL: ____________________________________________
Check here if you no longer wish to have a paper copy of the newsletter ____
Check here if you would like to sign up for the HCSB eNewsletter with
Bank tips and timely information ______
OR call - 641.939.3407 - or email Natasha - [email protected]
ALSO LIKE US ON FACEBOOK! For all the updates and bank news
New Year's Eve Word Search Answer Key
PRSRT STD
U.S. Postage
PAID
Belmond, Iowa
Permit No. 54
1202 Edgington Ave. • PO Box 311 • Eldora, IA 50627
TEMP-RETURN SERVICE REQUESTED
Page 8
Hardin County Savings Bank
The sum is 34.
11
3 10
5 9 4
1
14
The sum is 136.
8
48 4
56
40
20 36 16
The sum is 102.
48
30 33 24
36
45 42 3
The sum is 102.
42
36 21 18
24 33
48
39