Fairmont 507.235.5538 | Truman 507.776.2311 | Owatonna 507.444.0111 | Mankato 507.389.8900

TOP OF THE HILL CLUB

TOP OF THE HILL CLUB

THE 1ST QUARTER 2020NEWSLETTERClub!JOIN

DETAILS ON PAGE 13

www.profinium.com Member FDIC

cape cod!JUNE 14-20, 2020

SIGN UP NOW!

QUINTESSENTIAL

10 Tuesday Talks – Top 10 Questions of Financial Planning11 Free Movie at Christian Family Church in Owatonna, 9:30 am24 Southwest Tours Travel Shows - 1 pm in Mankato and 5:30 pm in Fairmont

8 Free Movie at Christian Family Church in Owatonna, 9:30 am13 German Christmas Markets Travel Show – 1 pm in Mankato and 5:30 pm in Fairmont14 Tuesday Talks – 2nd Home Mortgage16 Free Movie at Theater in Sherburn, 9:30 am 19 Twins Game BOGO Half Price – Bring the grandkids! CALL SOON MARCH DEADLINE! 22 Stroke Detection Clinic at Red Rock in Fairmont23 Breakin’ Up is Hard to Do at Sidekick Theater CALL SOON APRIL DEADLINE!

7 Greenhouse Shop Hop CALL SOON APRIL DEADLINE! 12 Tuesday Talks – ID Theft, Scams, etc. 13 Free Movie at Christian Family Church in Owatonna, 9:30 am21 Free Movie at Theater in Sherburn, 9:30 am

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Check out these wonderful events! Find out more information for these and others within the pages of this newsletter. Itineraries for all trips

are available from any bank location or online at www.profinium.com/Personal/Services&Tools..

JOIN US!

Sign up!Ellen Borkenhagen, Club Director507-235-7577 (will ring to all offices)Cell: 507-848-6548 ellenb@profinium.com

CALENDAR OF EVENTS

APRIL 2020

MARCH 2020

3 Music Man at Chanhassen9 Tuesday Talks - Smart Phones and the Shazam Ap10 Free Movie at Christian Family Church in Owatonna, 9:30 am14-20 Quintessential Cape Cod CALL SOON EARLY DEADLINE! 18 Free Movie at Theater in Sherburn, 9:30 am28 Twins Game

8 Free Movie at Christian Family Church in Owatonna, 9:30 am14 Tuesday Talks – Auto Insurance and AARP Discounts16 Free Movie at Theater in Sherburn, 9:30 am21 Summer Picnic in Fairmont

11 Tuesday Talks12 Free Movie at Christian Family Church in Owatonna, 9:30 am13 Piano Man at Sidekick Theater20 Free Movie at Theater in Sherburn, 9:30 am22 Come From Away at Orpheum Theater EARLY DEADLINE - APRIL 10!

MAY 2020

JUNE 2020

JULY 2020

AUGUST 2020

Profinium’s club for customers 55 and better is a program of special privileges created with you in mind. You qualify for membership by having oneof the following:

• Maintaining a balance of $5000 in either a Checking or Savings Account• A $15,000 Certificate of Deposit• Or maintaining a balance of $15,000 in investments with our Investment Desk

A joint account includes you and your spouse. Your joint or individual membership entitles you to an extensive list of the following benefits:

• Club Checking

• Special Vacation Offers

• Luncheons and Free Movies

• Free Cash Cards

• Safe Deposit Box Discount

• Quarterly Newsletter

• Member Merchant Discount

• Copies: up to 10 free copies per month

• Notary Service

• Lamination: 2 free per month

For more specific details about your many benefits go to www.profinium.com/Personal/Services&Tools.

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Have you all had a good winter? I hope so and I hope you’re ready to get out and go with me because I have so many great things planned for us.

We’re doing three Twins games this year, one in the favorite Home Plate Box right up home plate on June 28 and one in the Legends Club for their very last game, September 20. Then we’ve added a cheaper one with Grandstand seats on April 19 that will be a great bargain – Buy One Get One Half Off. Cost for the first ticket will be $60 and the second will be $30. We’re hoping some people will bring their grandkids along for this one. Since it is in April, you will need to act fast as the deadline is March 18. CALL NOW!

Then I have four theater trips set up so far this year. In April we’ll go back to the beautiful Ives Auditorium in the Masonic Heritage Hall for Breakin’ Up is Hard to Do on the 23rd and then on August 13 for Piano Man. I’d love to get back to the Ives, everyone loved it the last time we went. On June 3, we’ll see Music Man at the ever popular Chanhassen Dinner Theater. The best is saved for August 22 when we will see the Broadway play Come From Away at the Orpheum. We just saw this in November in New York and it is so heart-warming, sweetly funny and musically entertaining. It tells the tale of the people of Gander, Newfoundland on 9-11 where 38 planes were grounded, stranding 7000 people in a town of 10,000 people and 550 hotel rooms. This does have an early deadline, April 10 so hurry on this one.

There are four extended trips this year – Mississippi River Cruise in March, Cape Cod in June, Canada/New England Fall Colors Cruise in September-October and Austria/Germany for Christmas Markets in December. It’s too late for the March trip but you can still sign up for the other three. Hurry for Cape Cod which is already sold but still has room. That is scheduled for June 14-20. There will be a Travel Show for the Austria/Germany trip on Monday, April 13 at 1 pm in Mankato and 5:30 pm in Fairmont. Come get the information you need on this exciting adventure.

We’ll be offering monthly educational classes called Tuesday Talks on the second Tuesday of each month. Those will be in Owatonna at 9 am, Mankato at 1 pm and Fairmont at 5:30 pm. Our first ones will be on March 10 and will give us information on common questions regarding financial planning. Check out the list on page 17. Please join us wherever and whenever you are able.

In This Issue

ARTICLE FROM THE DIRECTOR

Ellen Borkenhagen Top of the Hill Club Director

TOTHC Benefits

Continued on page 15

ball game! JOIN US FOR 2020 TWINS GAMES!

TAKE ME OUT TO THE

This year we are going up for three games, starting with a special deal in April. Check them all out below and enjoy the great pictures from our fun trips last year.

Sunday, April 19 Buy One Get One Half Off! First ticket $60, second ticket $30 Bring the grandkids along! Seats are in the Grandstand, Section 239 vs. Detroit Tigers Paid registration is due March 18! So MOVE FAST!!!

Sunday, June 28 Cost: $108 for Members, $118 for non-members Seats are in the Home Plate Box - Section 114, Rows 25-28 vs. Colorado Rockies Paid registration is due June 4

Sunday, September 20 Cost: $155 for Members, $165 for non-members Seats are in the Legends Club – Section P, Rows 8-12 vs. Detroit Tigers Paid registration is due August 24

For all Twins trips we will leave the Walmart parking lot in Fairmont at 9:00 am, the Profinium parking lot in Truman at 9:25 am, McDonald’s on 169 in North Mankato at 10:15 am and the Profinium parking lot in Owatonna at 11:10 am. Game starts at 1:10 pm.

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Fairmont

Steve RoesnerVice President Investments/Trust

507-235-7567stephenr@profinium.com

Owatonna

Derek DelaneyWealth Planning Officer

507-446-4289derekd@profinium.com

Mankato

Wade Abed II, JDVice President of Trust & Counsel

507-848-1512wadea@profinium.com

Marissa JohnsonWealth Planning Officer

507-235-7580marissaj@profinium.com

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Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Investments are: *Not FDIC insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

INVESTMENT ARTICLE

Secure Act - Changes to Required Minimum DistributionsYou may have read in the news about the SECURE (Setting Every Community Up for Retirement Enhancement) Act that went into effect on January 1, 2020 and wondered if it will affect your retirement accounts. This Act makes some very significant changes to required minimum distribution (RMD) rules as related to Individual Retirement Accounts (IRAs) and other retirement plans, in addition to changes in other areas.

Some of these changes may have an impact on your financial planning and other financial interests. Although there are some questions that will need to be answered in the future by the Department of the Treasury, you should be aware of the provisions that may impact you.

REQUIRED MINIMUM DISTRIBUTIONS:• You can delay RMDs until age 72. If you

became age 70½ on or after January 1, 2020, you may defer required minimum distributions (RMDs) until April 1 of the year following the year you reach age 72.

• New 10-year “stretch” window for inherited retirement accounts. Previously, the distribution period was the remaining “on paper” life expectancy of the first beneficiary. Under the new rules, a maximum 10-year stretch window applies, but with various exceptions. This means that unless an exception applies, the entire retirement account must be distributed by the end of the tenth year following the retirement account owner’s death. In such case, no annual distributions are required prior to the end the 10-year period.

• Exceptions to 10-year stretch window. Some beneficiaries can continue to use their own life expectancy, including beneficiaries who are spouses (who also retain the right to spousal rollovers), disabled or chronically ill, or not more than 10 years younger than the decedent. For minor (as defined by state law) children of the original owner, age-based RMDs must be taken until the child reaches the age of state-defined majority, then the 10-year rule applies.

• Multiple beneficiaries. For inherited accounts where the original owner died prior to January 1, 2020, the old rules still apply; however, if the original beneficiary dies, the successor beneficiary will be subject to the 10-year stretch rule.

• Trusts. Conduit trusts require the RMD to be distributed fully to the beneficiaries, whereas accumulation trusts allow an accumulation of the RMD in the trust. There are specific additional exceptions for accumulation trusts if the trust benefits a disabled or chronically ill individual.

• Qualified charitable distributions (QCDs). Tax-free distributions up to $100,000 (which may include the RMD amount) made from an IRA directly to certain bona fide 501(c)(3) charities are still available beginning at age 70½. The SECURE Act did not change the rules regarding QCDs.

MISCELLANEOUS PROVISIONS:• New exception to 10% early

distribution penalty. Now up to $5,000 can be distributed penalty-free for a qualified birth or adoption; the distribution must occur during a one-year period beginning on either the date of birth or the finalization of adoption of a child under 18.

• IRA contributions after age 70½. Contributions can be made so long as the individual receives compensation from either wages or self-employment income.

• 529 Plan distributions. Allowable expenses are further expanded to include fees, books, supplies and required equipment for certain apprenticeship programs and for qualified student loan repayments.

• “Kiddie” Tax. The SECURE Act has now once again reverted to the previous rule which taxes a child’s unearned income over a threshold amount at the parents’ marginal tax rate. Additionally, individuals can file amended tax returns and can elect to apply this change retroactively for taxable years 2018 and 2019.

As you can see, there are many new provisions that can affect your overall financial plan for your retirement years. Please contact the office if you have any questions or would like more detailed information about the SECURE Act .

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I grew up all over the great state of Minnesota. I started off in Fairmont Minnesota and then moved to Rochester Minnesota with my mother. I then attended Shattuck St. Marys for middle school in Faribault. After my time in Faribault I moved to my father’s house on the East Side of St. Paul, later moving back to Fairmont to graduate highschool. In high school, around the age of 17, I joined the Army National Guard as a 13b (Field Artillery) Cannon Crewmember. Approximately 7 months after graduating high school and completing my training, I was shipped out on my first deployment for a year. I am currently in my 11th year with the National Guard and it is definitely considered my second family. After my deployment I moved to Roseville MN to pursue sales in the workforce. I had worked in sales in the Cities for 5 years after my deployment. My favorite part of sales is the personal relationships that were built and still maintained to this day. I also love offering products with integrity so that they will benefit my customers necessities and when the insurance position was offered to me it fit EXACTLY with how I wanted to sell a product. Profinium has brought that trust between me and an employer along the lines of doing what’s right for the customer. Half of my family is originally from Fairmont Minnesota and the other half is originally from the south side of Chicago, IL. I have a beautiful and intelligent girlfriend Brittany and an energetic and babied german shorthair pointer (Moxxi) who is spoiled rotten. We also have a cat named Big Tom who does whatever he wants whenever he wants. I have a few hobbies that I enjoy partaking in, but my favorite of them all is biking. I have a specialized diverge that I ride almost every day in the summer time. I also have a backpacking bike that I put bags on filled with camping supplies and hit the trails around the Black Hills in South Dakota. I love playing around with new technology and listening to music in my spare time at home. Profinium is beyond the positive atmosphere that I expected!

507-446-4282 (direct) ryanr@profinium.com

INSURANCE TEAM UPDATES

Ryan RiversCustomer Service Representative - Owatonna

Vicki Borneke (formally Vicki West)Mark Borneke and I were married on 10/05/2019 at the Little Brown Church in Iowa.

Mark was born and raised in the Janesville area and works for Borneke Construction.

I was born and raised in Montana and moved to Janesville MN in 2006. I have two children, Trevor who is attending MSU and Taylor is going to college in San Antonio.

We live in the country and enjoy our Hobby farm with many animals; Molly our white lab, chickens, peacocks, turkeys, emus, alpacas, donkeys, goats and a kangaroo… yes a kangaroo name Jo-Jo.

I enjoy traveling and have been fortunate enough to have visited many places as well as lead several groups to great destinations.

I have 8 years’ experience working with insurance and have been with Profinium for over 3 of those years. I have wonderful co-workers, which means a lot since they are my “second family.” I enjoy work and look forward to making current and new customers feel welcome and appreciated.

Vicki BornekeInsurance Agent — Owatonna/Mankato

Congratulations

vicki!

Welcome Ryan!

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I was raised in the Truman and Fairmont area. I went to grade school at St. Paul’s Lutheran in both Truman, K-4, and Fairmont, 5-8, then graduated from Fairmont High School. I went to college at the University of South Dakota and graduated with my BS in Business Administration.

I have worked at Profinium for almost 4 years, starting in the Mortgage Department, as a Loan Processor. In June of 2019, I was hired into the Insurance Agency. Prior to working at Profinium, I had been an Insurance Agent for 15 years. I have missed being in the insurance field and this was a dream come true to get back into it.

I have two beautiful daughters, Kaylee and Jenna, and an amazing 19 month old grandson, Landon. They are my pride and joy. My youngest daughter is engaged, so we are busy wedding planning. Some of my favorite things to do are reading, puzzles, spending time with my family and friends, and of course, my most favorite thing is spending time with Landon. Landon and I enjoy reading books together, playing with his blocks and trucks, and watching his favorite movie “Trolls”. He loves to be outside and is enjoying the snow. I absolutely love watching him learn and grow!

I am excited to be back working in insurance. I look forward to meeting all of our current customers and to help them as well as new customers have the best protection! That is what I love about Profinium – the customer comes FIRST!

507-776-4019 (direct) karlas@profinium.com

NEW INSURANCE TEAM

I grew up in Welcome MN with five siblings. I have lived in Fairmont for almost all of my adult life working in many retail positions until ten years ago. I then decided to start a career as an Independent Insurance agent working with the Fairmont community selling many insurance products such as Home, Auto, Commercial and Farm. I joined the Profinium team last October due to the wonderful workplace atmosphere. My commitment to professional development has earned me my Certified Insurance Counselor designation. I am married to Kristin and we have three children, Calvin, Kailyn and Addilyn. In my free time I enjoy coaching my children’s sports teams, outdoor activities such as hunting, boating and camping. My passion is volunteering with the Fairmont Fire department. I look forward to helping our Profinium customers in protecting what is most important to them.

507-848-7285 (mobile) timm@profinium.com

KarlaSauckCustomer Service Rep - Truman

TimMillerCertified Insurance Counselor - Fairmont & Truman

Welcome Karla!

Welcome Tim!

MAgical Christmas markets

Highlights

Itinerary

• Experience the 600-year-old holiday tradition of the Christkindlesmarkt. • Venture by train to Seefeld for a horse-drawn carriage ride and a taste of schnapps. • Unwind and shop for handmade crafts in the heart of the Alps. • Visit the picture-perfect Bavarian Alpine village of Oberammergau. • Tour Munich to see the Glockenspiel* and Olympic Park. • Experience a strudel demonstration and learn the history behind the traditional dessert. • Delight in dinner at the 1,200-year-old St. Peter’s Restaurant, Austria’s oldest. COST: $3,229 per person

Day 1: Saturday, December 5, 2020 Overnight Flight You’re on your way to uncover the unique charms of Austria and Germany and the incredible Christkindlesmarkt (Christmas market)!

Day 2: Sunday, December 6, 2020 Innsbruck, Austria - Tour Begins Welcome to the town of Innsbruck, capital of the Alps. Spend the next five nights nestled in the heart of the mountains. Tonight, accompany your fellow travelers for a welcome dinner to celebrate your arrival in Austria. (D)

Day 3: Monday, December 7, 2020 Innsbruck - Seefeld - Innsbruck This morning, it’s your choice! Walk through the charming streets of Innsbruck on a locally guided tour and take in landmarks such as the Golden Roof -OR- visit the Museum of Tyrolean Regional Heritage, getting a glimpse into this historic region through traditional costumes and handicrafts. Next, journey by train 3,600 feet above sea level to the idyllic village of Seefeld, one of the world’s great ski resorts thanks to miles of lakes and trails. Step off the train into the pure Alpine air to find an authentic horse-drawn carriage – and a traditional gift of schnapps – waiting for you. Don’t be shy. Belt out a carol or two as you are whisked across the snow to meet our good friend, Peter, who invites you to participate in an interactive demonstration of how to make (and eat!) traditional strudel. Say “Aufweidersehn, Peter!” and glide your way back to Innsbruck. (B)

Day 4: Tuesday, December 8, 2020 Innsbruck - Salzburg - Innsbruck Over the mountains and through the woods of the Austrian countryside resides the storybook Old Town of Salzburg. Head over to Mirabell Gardens and the iconic “Do-Re-Mi steps” from The Sound of Music. Then, journey through the baroque heart of the Old City and the famous thoroughfare of Mozart’s birthplace. Head out to enjoy a free afternoon with the locals, affectionately known as “Salzburgers.” Be sure to enjoy

OF AUSTRIA AND GERMANY!DECEMBER 5-12, 2020

a traditional Mozart chocolate (or two) and do some treasure hunting at any of six Christmas markets. Your day concludes at St. Peter’s Skiftskeller, the oldest continuously-serving restaurant in Europe. Inside this centuries-old gem, indulge in a traditional dessert that’s described as “sweet as love and soft as a kiss.” (B, D)

Day 5: Wednesday, December 9, 2020 Innsbruck Enjoy a full day at leisure in Innsbruck. Go treasure hunting at the Christmas markets, brimming with the sights, smells, and sounds of the season. Be on the lookout for St. Nicholas and even Krampus as they march through the market stalls. Revel in good cheer while brass bands play from the towers and indulge in some gluhwein and stollen, while chestnuts roast on open fires. (B)

Day 6: Thursday, December 10, 2020 Innsbruck-Neuschwanstein, Germany-Oberammergau-Innsbruck, Austria View the magnificence of Neuschwanstein Castle as you enjoy a photo stop of the fairytale creation of Bavaria’s “Mad King.” Your journey continues to Oberammergau. Enjoy a lunch featuring regional cuisine before spending some time on your own getting to know this picture-perfect Bavarian village. (B, L)

Day 7: Friday, December 11, 2020 Innsbruck - Munich, Germany Wilkommen to Munich! Embark on a city tour of this Bavarian capital where Olympic Park and the famous Glockenspiel* are just some of the sights you’ll see along the way. Your tour comes to an end at the famous Hofbrauhaus, where you may wish to take a seat and enjoy a bier before heading to a jolly farewell lunch! The rest of the day is yours to enjoy. Do some final holiday shopping at the largest Christmas market of the whole tour and delight in the merriment of the season one last time. (B, L)

Day 8: Saturday, December 12, 2020 Munich - Tour Ends Your tour comes to a close today.

Monday, April 13 at 1:00 pm in Mankato and

5:30 pm in Fairmont.

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GERMANY CHRISTMAS MARKETS

Travel Show

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Kwik Trip$2.00 OFF Traditional Crust Pizzaor $1 OFF Thin Crust.Owatonna, MN 55060 Noble RV 10% discount on parts, no hitches, no generators. 4 convenient locations!84601 Olson Dr, Madelia MN16701 Greystone Ln, Jordan MN3627 N County Road 45, Owatonna, MN1802 Hwy 30 SW, Rochester, MN507-642-8888

Owatonna Livewww.OwatonnaLive.comWatch free recordings of local events, school concerts, board meetings, worship services, and more!

Paffrath Jewelers$2 off watch batteries. Not valid with any other offers. 685 W Bridge St, Owatonna, MN 55060507-451-0301 Piepho RoofingFree estimates & $200 off for complete roof replacement. 5098 SW 18th StOwatonna, MN 55060507-475-0538 Prime Poly Solutions Free estimate to raise and level sunken concrete. 16629 – 368th AveWaseca, MN 56093641-590-1293

Ron’s Repair$10 off an oil change. 10% off labor, up to $100. 505 W North StOwatonna, MN 55060507-451-8678

43rd Street Pub & Grill15% off food Mon-Wed,4pm—Close.2365 NW 43rd StOwatonna, MN 55060507-446-9200 Amy Swain-Hearing CenterPurchase a new hearing aid and get free batteries for 2 years.685 Bridge St Ste 1BOwatonna, MN 55060507-451-3879 Cedar Floral 10% off purchases.314 N Cedar AveOwatonna, MN 55060507-451-7673 Central Park Coffee10% off purchase of $5 or more. 113 N Cedar Ave Owatonna, MN 55060507-451-4242 Culver’s of Owatonna10% off noon lunch (11-2) Monday-Friday. 1140 W Frontage RdOwatonna, MN 55060507-455-2000 El Tequila Mexican Restaurant10% off purchase. Excludes alcohol.Monday-Thursday. 1830 S Cedar AveOwatonna, MN 55060507-444-9490 Famous Dave’s BBQ10% off (not for catering).4355 W Frontage RdOwatonna, MN 55060507-451-4008

Firestone Complete Auto Care10% off purchase & 5% off tires. 102 N Oak AveOwatonna, MN 55060507-451-5230

Godfather’s Pizza of Owatonna1st offer) $4 off Jumbo, $3 off Large, $2 off Medium, or $1 off Small at menu price.2nd offer) $0.50 off 1 buffet or $1 off 2 buffets. No other offers or coupons. Limit one offer per day. 1832 S Cedar AveOwatonna, MN 55060507-455-1470

Haberman’s Picture Framing15% discount on complete picture framing.208 Mineral Springs RdOwatonna, MN 55060507-451-6565 Harland’s Tire & Auto CenterOil/Lube/Filter $30.02 Syn. Blend Motor Oil. Up to 5 quarts 5W20/5W30 Blend Oil. Plus $1.00 disposal fee. Some filters may increase price. Call for an appointment. No other discounts apply. 211 W Main St, Owatonna, MN 55060507-451-3084 Keck’s Kwik Lube, Inc. Free car wash with any service. 141 Allen AveOwatonna, MN 55060507-451-4739

Keck’s Repair$10 off full service.Must present card upon arrival. 7123 SW 82nd AveOwatonna, MN 55060507-455-2679 Kirchner Siding and Window, Inc.$20 off a radon test.1430 East Main StOwatonna MN 55060507-451-3377

OWATONNA MERCHANT DISCOUNTS

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Sweet Towing & Repair$5.00 off an oil change.TOTHC members only. 215 Cedardale Drive SEOwatonna, MN 55060507-451-3424 The Kitchen10% off lunch Monday-Friday. 329 Cedar Ave NOwatonna, MN 55060507-451-9991

Timber Lodge Steakhouse10% discount on purchase excluding alcohol. No other discounts apply. 4455 W Frontage Rd Owatonna, MN 55060507-444-0303 ValleyView of Owatonna$250 off 1st Month’s rent.Expires January 20, 20211212 West Frontage RdOwatonna MN 55060507-451-0722

OWATONNA MERCHANT DISCOUNTS

Artifact – Paint Your Own Pottery15% OFF one piece, per visit.321 N Riverfront Drive Mankato, MN 56031507-351-3111

Advance Auto Parts – Mankato10% off regular priced items.No other discounts apply.1570 Madison Ave, Mankato, MN 56001507-344-8633

Creative Ad Solutions & U. S. Engravers10% off regular priced items.No other discounts apply.340 Pierce Ave, N Mankato, MN 56003507-344-8464

Culvers10% off lunch (12-2) Monday-Friday.1856 Madison Ave, Mankato, MN 56001507-344-15541680 Commerce Dr, North Mankato, MN 56003507-345-1680

Diamond Vogel Paint30% off interior and exterior paintNot valid on commercial619 N Riverfront Dr, Mankato, MN 56001507-625-6161

Kwik Trip$2.00 OFF Traditional Crust Pizzaor $1 OFF Thin Crust.Mankato, MN 56001

Land To Air Express10% off round trip for Minneapolis trips only. Does not include Rochester trips. Call Ellen for the code that is needed.50 Sibley Parkway, Mankato, MN 56001507-625-3977

Mom & Pop’s Ice CreamFree 12 oz. Mom and Pop’s blend coffee with any ice cream purchase!629 N Riverfront Dr, Mankato, MN 56001507-386-1785

Mr. Monogram10% off regular prices on all in-house printed and embroidered apparel.507 South Front St, Mankato MN 56001507-387-7044

Noble RV 10% discount on parts, no hitches, no generators. 4 convenient locations!84601 Olson Dr, Madelia MN16701 Greystone Ln, Jordan MN3627 N County Road 45, Owatonna, MN1802 Hwy 30 SW, Rochester, MN507-642-8888

Pub 500FREE Bread Pudding, Chocolate Mousse, or Whipped Raspberry Cheesecake with purchase of any entree.500 S Front St, Mankato MN 56001507-625-6500

WOW! ZoneBO/GO Buy one activity, get one free.Bowling, Laser Tag, Mini Golf, Arcade,bring the grandkids!2030 Adams St, Mankato, MN 56001507-625-2695

MANKATO MERCHANT DISCOUNTS

Wings Tavern & GrillBuy 1 glass of wine get 1 glass of wine free. No other discounts or coupons apply. 1805 S Elm AveOwatonna, MN 55060507-444-9335

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Associate Optometry10% off complete deluxe frames and lenses. Excludes packaged eyewear or safety eyewear. No other discounts apply. Not retroactive & must be paid at time of service.1307 Albion Suite 102, Fairmont, MN 56031 507-238-4228 Aardvark’s10% off meal item on Thursday & Saturday evenings, 6 pm - 10 pm.209 Hwy 15, Truman, MN 56088507-776-3147 Arnold Motor10% off parts and oil filters. 123 N State St, Fairmont, MN 56031 507-235-6635 Bowlmor LanesGrandparents bowl free with four family members or more. Restricted Monday – Friday, Noon to 6 p.m.617 S State St, Fairmont, MN 56031 507-235-5719 Cutting Edge Fitness$30 per month membership.1130 Spruce St, Fairmont, MN 56031507-238-2966 The Cutting Edge Salon10% off of all services and retail on Thursday.114 W 1st St, Fairmont, MN 56031507-235-5111 D & S Trophies, Embroidery and Screen Printing10% off regular-pricedembroidered items in stock.119 Downtown Plaza, Fairmont, MN 56031 507-235-5026

Elizabeth Chevrolet10% off any service department menu item. Excludes oil changes. Some restrictions apply.329 Hwy 15 S, Truman, MN 56088 507-776-2131 First Choice Stylists10% off any hair product. Subject to change at stylist discretion.2213 Albion Ave, Fairmont, MN 56031 507-238-9099 Foty Lock & Safe10% discount on all locks and keys. For FREE quote or to schedule service, contact Foty Lock & Safe.619 E Blue Earth Ave, Fairmont MN 56031 507-238-1703

Freedom Valu Center 5 cents off per gallon of gas.407 E Blue Earth Ave Fairmont, MN 56031507-238-9392 G & D Electric10% off on light bulbs.113 W Ciro St, Truman, MN 56088 507-776-6151 Graham Tire & Automotive$4.00 off of an oil change. Save 10% on all auto services and 5% on Goodyear tires. No other discounts apply.950 N State St, Fairmont, MN 56031 507-235-6638 Green Mill Catering$15 off room rental to groups of 25+.Holiday Inn, Fairmont, MN 56031 507-238-4700

Green Mill Restaurant & Bar10% off Member’s regular-priced meal.Holiday Inn, Fairmont, MN 56031 507-238-4700 Hair etc.20% discount on all retail products on Tuesday. 10% off wigs.214 N Park St, Fairmont, MN 56031 507-238-9662 Hargan Exhaust Specialties10% off all parts. Does not include labor.1031 Lake Ave, Fairmont, MN 56031 507-238-1726

Kitzerow Repair 10% off repairs and maintenance.304 State Highway 15 STruman, MN 56088507-432-2040

Kwik Trip$2.00 OFF Traditional Crust Pizzaor $1 OFF Thin Crust.Fairmont, MN 56031 Leonora’s Men’s and Women’s Beauty and Tanning SalonFacial Hair Removal $3 offPedicure $3 offAcid Perm Biolage $5 offFull Body Massage $5 off35 Downtown Plaza, Fairmont, MN 56031507-238-9606 507-848-4542 McDonald’s$1 off any of our Extra Value Meals.2217 N State, Fairmont, MN 56031 507-238-4832

Moore & Ace Hardware $5.00 off a Gallon of Paint.510 Highway 4 S, Trimont, MN 56181507-639-2112

FAIRMONT & TRUMAN MERCHANT DISCOUNTS

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Noble RV 10% discount on parts, no hitches, no generators. 4 convenient locations!84601 Olson Dr, Madelia, MN16701 Greystone Ln, Jordan, MN3627 N County Road 45, Owatonna, MN1802 Hwy 30 SW, Rochester, MN507-642-8888

Old Alley Quilt Shop10% discount on 1 yard minimum cuts. 115 N Main, Sherburn, MN 56171 507-764-4088 Ranch Family Restaurant Monday thru Thursday Only.$2.00 off our endless SALAD BAR when ordered from menu with a beverage. $1.00 off an I-90 Breakfast when ordered from menu with a beverage. (6 am to 3 pm) Not valid with any other coupon or discount.1 Mile So. Of I-90 1330 N State St, Fairmont, MN 56031507-235-3044

Richard’s Auto Repair & Towing10% off oil change.410 E Blue Earth Ave, Fairmont, MN 56031 507-235-5800

Schmitty’s - Bar/Lounge(Located at The Ranch Restaurant )Monday thru Thursday Only.$2.00 off any sandwich ordered from the bar menu with a beverage of choice. Not valid with any other coupon or discount.1 Mile So. Of I-901330 N State St, Fairmont, MN 56031507-235-3044

Shell Station—Fairmont5 cents off per gallon of gas.1552 Albion Ave, Fairmont, MN 56031507-238-1003 Sherburn Nursery & Floral10% off, cash & carry only. 10 Park St. Sherburn, MN 56171 507-764-3191 Sovell’s Jewelry20% off fine jewelry items.113 Downtown Plaza, Fairmont, MN 56031 507-238-2908

Southwest Tour & Travel$25.00 off per person on an extended tourof 3 days or more, certain restrictions may apply including restrictions on the amount of discounts that may be used. Please identify yourself as a Top Of

The Hill Club member when making your reservation.1500 Travis Road Marshall, MN 56258507-532-5536 T-Town Tinker & Towing5% off parts and service.210 St Hwy 15 N, Truman, MN 56088507-776-2886 Tami’s On The Ave10% off bill, members only.2710 Albion Ave, Fairmont, MN 56031 507-235-8979 The TEE Box at Bowlmor LanesWeek-day mornings. 18 holes for the price of 9 holes for $12.00. M-F 8 a.m.- noon. For members only. Not valid with any other discount.617 S State St, Fairmont, MN 56031 507-235-5004 Welcome Meats5% off of regular priced items over $30.00. No credit or debit cards to be used with discount.515 Bidwell Street, Welcome, MN 56181507-728-8670 Young Living Essential Oils10% off Therapeutic Grade Oils.Jerry & Rose Jordan507-399-2037507-848-3053

FAIRMONT & TRUMAN MERCHANT DISCOUNTS

Please remember to ask for your discount BEFORE making your purchase. The number one reason merchants have dropped out of this program is that people mention their discount after the transaction is finished. Then the clerk or salesperson has to rerun the transaction. This slows up their service and causes them extra work. The only thing these merchants get from this program is this small amount of advertising in our newsletter and the hope that you will patronize their business because of it. Please DO NOT abuse this PRIVILEGE or we may all lose it! If your business is interested in offering a discount to our Top of the Hill members or you know of a business you’d like to see here, please contact Ellen at 507-235-7577.

We are going to be making the merchant discounts more accessible while you are on the go. We will be moving the merchant discounts to the Top of the Hill Club section of our website. Also, we are printing accordian paper versions that will fit in your wallet so you will always have access to your discounts. Ellen will be distributing those at upcoming events.

AN IMPORTANT MESSAGE

MOVING ONLINE!

quintessential

JUNE 14-20, 2020

Cost

CAPE COD!

Highlights Inclusions• Nantucket• Martha’s Vineyard• Gingerbread Houses• Edgartown• Whydah Pirate Museum• Chatham• Hyannis Harbor Cruise• Kennedy Family Compound• Olde King’s Highway• Provincetown• Truro Vineyards• 4x4 sand dune adventure• A lobster clambake• Newport Rhode Island• Mansion Row• Bowen’s Wharf• The Breakers• Providence RI

• Round trip airport transfers• Round trip airfare to/from New England (checked baggage

fees are not included)• Transfers from airport to resort to airport• 6 nights deluxe lodging• Breakfast daily at your hotel• Private motor coach for the entire itinerary• Lunch and cooking demonstration at Providence RI• 5 regional dinners including a lobster clambake• All sightseeing and admissions as listed in the detailed

itinerary • Porterage of one suitcase per person• All taxes, fees, and service charges• TRIPS ticket wallet, and luggage tags• Full time escort throughout your trip

Cost: $3898 per person, based on double occupancy$50 more for non-membersSingle Supplement $698Trip Protection is available and strongly suggested.

I wasn’t able to get this trip into the last newsletter so this is very short notice to most of you. We already have the trip sold but would be happy to take more people so call me ASAP if you are interested.

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14 All Theater trips include deluxe motorcoach transportation, theater tickets and lunch.

“Breakin’ Up is Hard to Do” Thursday, April 23 Sidekick Theater in Bloomington Everyone loved this venue when we went for Frank Sinatra and I’m thrilled to be going back there. It is a very new and beautiful facility and they serve an excellent meal ahead of time. This show is a musical comedy set at a Catskills resort in 1960. It is the sweetly comic story of Lois and Marge, two friends from Brooklyn in search of good times and romance over one wild Labor Day weekend. The score showcases 18 Neil Sedaka classics, including “Where the Boys Are”, “Sweet Sixteen”, “Calendar Girl”, “Love Will Keep Us Together”, and of course, the chart-topping title song.

COST: $98 for members, $108 for non-members in Fairmont and Truman

$88 for members, $98 for non-members boarding in Mankato and Owatonna

Paid registration is due April 8. Hurry for this one!

“Music Man” Wednesday, June 3 Chanhassen Dinner Theatre Enjoy this great American Classic along with a luscious meal served before the show. The cast at Chanhassen always puts on a first-class performance.

COST: $105 for members, $115 for non-members in Fairmont and Truman

$95 for members, $105 for non-members in Mankato and Owatonna (loading in Mankato only)

Paid registration is due by May 5

“Piano Man” Thursday, August 13 Sidekick Theater in Bloomington Everyone loved this venue when we went for Frank Sinatra and this features the same lead singer, Brian Pekol. I’m thrilled to be going back there. It is a very new and beautiful facility and they serve an excellent meal ahead of time. “The Piano Man” is a melodious salute to the 1950s, 60s and 70s, through the classic songs of Jerry Lee Lewis, Elton John, Billy Joel, and more! Brian Pekol is back on the Sidekick stage! And this time it’s not as Frank Sinatra...a role he performed to critical and commercial acclaim in 2018. Together with a grand piano and his band “The Pranksters”, get ready for a fun-filled musical trip down memory lane. Brian’s hands will fly across the keyboard as he sings tunes including “Great Balls of Fire”, “Rocket Man”, “Benny and the Jets”, and of course, ”Piano Man”.

COST: $98 for members, $108 for non-members in Fairmont and Truman

$88 for members, $98 for non-members boarding in Mankato and Owatonna

“Come From Away” Saturday, August 22 Orpheum Theater in Minneapolis We just saw this touching and funny musical in New York in November and I’m so happy to be able to give you all a chance to see it. Broadway’s COME FROM AWAY is a Best Musical winner all across North America! This New York Times Critics’ Pick takes you into the heart of the remarkable true story of 7,000 stranded passengers and the small town in Newfoundland that welcomed them. Cultures clashed and nerves ran high, but uneasiness turned into trust, music soared into the night, and gratitude grew into enduring friendships. Don’t miss this breathtaking new musical written by Tony® nominees Irene Sankoff and David Hein, and helmed by Tony-winning Best Director, Christopher Ashley. Newsweek cheers, “It takes you to a place you never want to leave!” On 9/11, the world stopped.On 9/12, their stories moved us all.

COST: $90 for members, $100 for non-members in Fairmont and Truman

$80 for members, $90 for non-members in Mankato and Owatonna

Paid registration is due April 10 PLEASE NOTE THE EARLY DEADLINE FOR THE THIS SHOW!

We have trips planned to four AMAZING Shows and this is just a start. I will have more for the fall. JOIN US! Leave the driving to us and enjoy your time with your friends.

THEATER TRIPS

join us for memorable performances!

Presented by

Mattie BoePersonal Banker

507-444-0111mattieb@profinium.com

PERSONAL BANKING

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There are a number of ways identity thieves may obtain your personal information. An identity thief may dig through trash, open mail boxes, take a wallet, or use a fake email to collect your personally identifying information, such as your name, address, Social Security Number, credit card or bank account information and then sell or use your identity to commit fraud or other criminal acts.

How long should I keep something before safely disposing of confidential information to prevent identity theft?There are some important documents that you should keep indefinitely. These include birth certificates, death certificates, military records, marriage certificates, divorce decrees, alimony/ custody/ prenuptial agreements, life insurance policies, medical records and real estate documents. A safe deposit box is a great place to ensure these documents are secure and in a convenient location if you need them. You can also store passports, certificate of deposits, 401K and IRA statements. Profinium provides six months free on any new safe deposit box rental for Top of The Hill members. It is also a good idea to put a co-renter on the box who will have access to these important documents in the event the box owner passes away. If you are not sure if your current box has a co-renter listed please reach out to a Profinium Personal Banker to learn more.

Typically, the length of time you should keep a particular document depends on the action, expense, or event which the document records. You probably learned that you should keep your tax returns and supporting documents three years after filing it. This time line is set because the IRS has 3 years after the due date of your return (or the date you file it) to initiate an audit. When someone passes away you should keep important documents like W2s, Charitable Contributions respites, and IRS Form 1099 for at least three years after a person’s death or three years after the filing of any estate tax return, whichever is later. Keep monthly bank statements, credit card bills, loans, and other bills for one year. Everything else has as needed life span. Only keep the receipt until you know that it won’t be needed to return merchandise or the warranty expires. Again you shred any papers that you don’t keep. To help you safely dispose of these types of sensitive documents Profinium offers free document shredding once a year.

PROFINIUM FREE SHRED DAY ON FRIDAY, MAY 15:Fairmont Bank 9:00 am -11:00 amOwatonna Bank 1:00 pm -3:00 pm

What about information saved on my electronic devices?The digital era has brought many conveniences and opportunities for a thief to access vulnerable information. Smartphones, laptops, tablets, and desktop computers use a hard drive to stores all of your files and the operating system, which is essential to using the computer. A typical home desktop computer or laptop hard drive can contain your social security number, credit card numbers, bank account numbers, and website logins

ID Theft and Shredding Eventand passwords. Neglecting regular software updates and not using a passcode leave you especially vulnerable.

A thief does not have to physically take a hard drive to access the information stored on your electronic devices. If you’re using the internet without update antivirus software and firewall protection you could fall prey to hackers who access your hard drive’s information remotely. Phishing scams occur when a criminal poses as a legitimate entity, such as an auction site, IT administrator, or bank, and requests a target’s information via email or a fake website.

If you’re looking to trade in your phone, or hand it down to a friend or family member, you probably don’t want to hand over your data, pics, music or apps with it. Before you upgrade to the newest device you need to ensure that you get all of your personal data off of the old one first. It’s a great idea to go to the experts to assist you with this process as you don’t want to lose your precious photos and contacts but you also don’t want them available to others.

INDIVIDUAL – GENERAL RECORDS RETENTIONPermanently Alimony/ Custody/ Prenuptial Agreements Birth and Death Certificates Insurance Policies – Life Medical Records Military Records Real Estate Documents7 Years Following Disposition, Termination, or Pay Off 401K /Keogh Statements Annuity Year End Statements Certificates of Deposit Statements IRA Statements Insurance Policies – Auto/home/other Loan Records/Forms 10981 Year Bank Statements/ Cancelled Checks Pay Stubs

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TUESDAY TALKS

Of course, we are continuing our free monthly movie events but I won’t be devoting space to them in the newsletter except to list them on the Calendar of Events. I have started an email list for each location to inform people of what movie will be showing so be sure to contact me to get on those lists.

I am planning a Mystery Trip for the last week of July but don’t have all the details worked out yet for that. Watch for that in the next newsletter. We’re also going to the Red Wing area for an overnight stay and lots of fun stops. I won’t keep this one a mystery and it is planned for the end of August. Ur very popular Greenhouse Shop Hop is scheduled for Thursday May 7 and you will find details on page 19.

We’ve made a slight change to pricing on our trips this year and will be charging $10 less for our Mankato and Owatonna members when we head north.

COME ALONG WITH US!

Continued from page 3

In This Issue

Get your questions answered by our in house experts.

Schedule:Every second Tuesday of the month at the bank: Owatonna 9:00 am Mankato 1:00 pm Fairmont 5:30pm Topics for first half of 2020: March 10th – Top 10 Questions of Financial Planning April 14th – 2nd Home Mortgage May 12th – Protecting Your Identity June 9th – Your Smart Phone & Protecting Accounts

TUESDAY TALKS

Our last extended trip was to New York City with a group of 20 excited adventurers. We took coach tours of the city from Upper East Side to the Financial District and lots in between. Stops included the Frick Collection, Central Park, Times Square, Ellis Island, the 9-11 Museum, and a Brooklyn Pizza Tour. We allowed for lots of free time but also did two Broadway shows – Wicked and Come From Away. Don’t miss your chance to see Come From Away here in Minnesota at the Orpheum theater on August 22. We’re going! Many took in the Empire State Building, Rockettes, Top of the Rock, or a carriage ride on their own.

A Walk in the Park – Central Park.A somber moment at the 9-11 Museum.

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TRIP RECAPNew York

A family moment with my daughter-in-law Joanna, and daughter, Laura at the Top of the Rock.

Linda and her daughters Natalie and Holly enjoy a great view of the city that never sleeps.

Jamie tries out the judges seat from The Voice at NBC Studios.

We enjoyed a very entertaining Pizza Tour of Brooklyn.

YUUUUMMMMMMM!!!!

Triet, Shannon, Sandy and LuAnnenjoying the sights.

Canada and New England

SEPTEMBER 29 TO OCTOBER 10, 202010-NIGHT CRUISE INCLUDING FOUR PRIVATE EXCURSIONS

Cost

FALL CRUISE

Highlights Inclusions• Montreal• Saguenay (La Baie), Quebec• Charlottetown, Prince Edward Island• Sydney, Nova Scotia• Halifax, Nova Scotia• Saint John, New Brunswick• Bar Harbor, Maine• Boston Massachusetts• Newport, Rhode Island• Ending in New York

• Round Trip Airport Transfers• Round-Trip Air to Montreal & return from New York City• Private Motorcoach Transportation to Hotel/Pier, & on

Montreal Tour• 1 Night Accommodations on Land• 1 Meal on Land & All Meals on Board• 10-Night Cruise in Cabin Category of Choice• Taxes & Gratuities for Included Services• Four Private Shore Excursions with Transportation (no waiting

in long ship lines)• Professional Tour Manager• Assistance with Arranging Optional Shore Excursions• Porter Service of One Bag per Person at Hotel• Travel Protection Plan• NCL’s Pick Two (choice of two per cabin) — Ultimate Beverage Package — Specialty Dining Package — $50 Shore Excursion Credit per Port/per Cabin — 250 Minute Internet Package — 20 Photo Package — $75 Onboard Credit

• Category IA Inside Cabin $4999• Category OA Oceanview $5349• Category BA Balcony Cabin $6175Prices per person based on double occupancy Non TOTHC members add $100 per person

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FALL CRUISE

19

If you are signed up for a tour and it is necessary for you to cancel, we will make every effort to provide you with a partial or full refund. However, we cannot guarantee a full refund. There may be times when refunds will NOT be possible due to a ticket purchase, meal guarantees, etc.

If you must cancel a day trip, you will receive a full refund if you find someone else to take your place on the scheduled day trip.

If a tour is canceled due to insufficient numbers, you will receive a full refund unless an outside agent has a different policy. On tours where an outside agent is used, we will adhere to the written cancellation policy of the agent.

Remember standby lists are always welcome. Please call and add your name to any trips that interest you. In case of a cancellation, we will call in the order in which you signed up.

On Profinium TOTHC trips, it is required that persons needing assistance be accompanied by a companion who is capable of and totally responsible for providing that assistance. Neither, Profinium TOTHC personnel nor its suppliers, nor other guests should be expected to assist with medications or physically lifting or assisting clients into transportation vehicles.

Travelers needing special assistance for other than personal needs must notify Profinium TOTHC at the time of booking to determine what assistance may be reasonably made available.

We welcome non-members on our trips so that we can get enough numbers to do our trips. To better benefit our members we have begun a new policy for non-members and will be charging a little more for them. New pricing for non-members is: $5 more per person for casino daytrips $10 more per person for theater and other daytrips $50 more per person in-country extended trips $100 per person for out-of-country extended trips

Think about becoming a member if you aren’t already. Benefits and qualifications are on page 3.

Trip Cancellation Policy

Assistance Required Policy

Non-Member Details

GREEN HOUSES

Green House Shop HopShake off the winter blues and get ready to garden. We will visit 3 green houses in Eastern Iowa filled with plants, flowers, hanging baskets and you’ll have a full size coach in which to haul them home.

Our day starts with pick up in Truman at 7:30 a.m. and in Fairmont at 8:00. We will pick up in Albert Lea if there is interest from our Owatonna group. Our first stop will be for an included breakfast at the Kountry Kupboard in Osage, IA. Then we’ll stop at Hoover’s, KR Greenhouse and Deerfield in Ionia. On our way home we’ll stop at Oberholtzer’s Bakery for on-your-own treats. We plan to arrive back in Fairmont about 6:30 p.m. Included: Breakfast, water and transportation in a deluxe motor coach equipped with a restroom.

Paid registration is due April 15. Get your start on summer and come along with us!

Thursday, May 7Cost: $69 for TOTHC members$79 for non-members

TOP OF THE HILL CLUB

Contact Information

Bank Information

Truman Office414 N 5th Ave E

PO Box 400Truman MN 56088-0400

Ellen Borkenhagen, Club Director ellenb@profinium.com(507) 235-7577 (will ring to all offices)

Fairmont Lobby HoursOpen Monday – Friday9:00 a.m. to 5:00 p.m.

Truman Lobby HoursOpen Monday – Friday9:00 a.m. to 5:00 p.m.

Fairmont Drive Up TellersMonday – Friday8:00 a.m. to 5:30 p.m.

Truman Drive Up TellersMonday – Friday8:00 a.m. to 5:00 p.m.

Mankato Lobby HoursOpen Monday – Friday9:00 a.m. to 5:00 p.m.

Mankato Drive Up TellersMonday – Friday8:00 a.m. to 5:00 p.m.

Fairmont 507.235.5538 | Truman 507.776.2311Owatonna 507.444.0111 | Mankato 507.389.8900

Toll Free 800.254.6197 | www.profinium.com

Owatonna Lobby HoursOpen Monday – Friday9:00 a.m. to 5:00 p.m.

Owatonna Drive Up TellersMonday – Friday8:00 a.m. to 5:00 p.m.