The Prime TimesSummer /August 2019

Celebrating the Prime of Your Life!

Calendar of EventsAugust6 – Appreciation Event with

Maggie Mae17 – “Ain’t Retirement

Life Grand”September10 – Marveous Milwaukee 16 – Black Hills and

Badlands Slideshow19 – Healthcare Planning

Presentation 25 – Oct. 5 – Romantic

Rhine River Cruise October17 – Canada and New

England Cruise Slideshow

24 – Preparing for your Financial Future

November6 – Know Before You

Go SeminarDecember5-8 – Christmas in

Omaha, NE 2020 EventsMay17-23 – Black Hills

and BadlandsSeptember 19-30 – Canada and New

England Cruise

Check out

our upcoming

slideshows!

Continued on page 4

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Marvelous MilwaukeeMilwaukee, WI – Tuesday, September 10th, 2019Visit the new Northwestern Mutual Tower, the newest building to grace Milwaukee’s skyline, measuring 550 feet and 32-stories, the second tallest building in the state! Designed and built by architectural firm, Pickard Chilton, the structure implements best practices in the workplace design

and engages employees and the city of Milwaukee by creating a high-performance, urban campus. At the heart of the project is the “Commons,” which creates a cohesive and organized campus. This section of the building is three stories tall and two blocks long, and designed using natural

Christmas around the World Omaha Nebraska4 Days: Thursday, December 5th – Sunday, December 8th, 2019

Day One – D

• Overnight for 3 Nights at the Embassy Suites Old Market

• Madrigal Christmasse Feaste – Christmas in Olde England – Celebrate Christmas Renaissance Style with a yearly interactive dinner theatre that has entertained audiences since 1991! A cast of over 30 will treat the audience with beautiful Christmas music plus the antics of the Jester, Wench and

Magician. Hear Ye! Hear Ye! The Lord and Lady of Essex invite you to join them for feasting music and merriment, madrigal style. At this unique and original form of “dinner theatre” you will return with us to the Renaissance years for a festive holiday evening at an old English Castle. Announced by fanfares and accompanied by music, mirth and traditions, the multi-course meal is designed to delight you and to celebrate Christmas. Every person – from your

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Thursday, September 19, 2019 –State Bank Madison Office, 455 S. JunctionRd., Madison (lower level)

The projected cost of healthcare in retirement is well documented. Numerous studies suggest the average 65-year old couple will spend around $250,000 on healthcare costs (not including any potential long-term care costs) during retirement years.

Although healthcare cost projections may vary, one thing that everyone knows is that the costs of health care coverage will be a significant piece of every person’s financial plan, with no piece contributing more to a person’s well-being. In fact, it seems that these days the majority of a retiree’s time could be spent navigating through the complicated world of healthcare options for not only themselves, but also ailing parents.

In an effort to help with this, we will host local expert, Virginia Van Haren, Account Executive for M3 Insurance to present

what you should look for in Medicare Supplement Insurance, and how to decipher the differences between plans. Virginia specializes in individual coverage, and her

primary role is to help individuals obtain the health and life insurance products that meet their needs. She advises them about the design, implementation and management of their personal insurance programs.

We hope you’ll join us for this worthwhile seminar to answer your questions on health insurance and gain the peace of mind that comes from knowing you and your loved

ones will have your medical needs met.

5:30 p.m. – Registration and appetizers6:00 – 7:00 p.m. – Presentation7:00 – 7:30 p.m. - Questions

To RSVP, please complete and sign the registration form included in this newsletter. It may be dropped off at any State Bank location or mailed to State Bank of Cross Plains, Attention: Terri Sutter, PO Box 61, Mt. Horeb, WI 53572.

Please register no later than Thursday, September 5th, 2019.

If you have question or concerns regarding this presentation, please contact: Terri Sutter: 608-416-4822 or

Lois Boehnen: 608-767-4752 or primetime@sbcp.bank

All reservations will be taken in date and time order they are received.

A Western Adventure in South Dakota!May 17 – 23, 2020

The Black Hills and Badlands of Western South Dakota ~ Where seeing is believing!

The history of this area will capture your imagination as you gaze at expansive landscapes, roaming buffalo and hillsides carved into magnificent images. Join us as we visit Mt. Rushmore and the Crazy Horse Monument as well as Custer State Park where you learn about the Custer Expedition of 1874! Spend a day in Deadwood and hear the colorful history of Wild Bill Hickok, Calamity Jane and Poker Alice! Marvel at the stark beauty of the Badlands with its’ unique and beautiful buttes, plateaus and spires! Ride an authentic 1880 Steam Train on a historic trip through the Black Hills and visit an

active Mammoth dig that is the largest in the world. This is a perfect way to enjoy South Dakota, made all the more so, since you’re staying in just one lodge! The K Bar S Lodge is nestled in the scenic Black Hills

National Forest. No packing and unpacking – just relaxed mornings with a glimpse of Mt. Rushmore and perhaps marshmallows roasting on the fire in the evening. What a delightful way to experience the laid-back lifestyle of Western South Dakota!

We hope you’ll join us on Monday, September 16, 2019, for a slide show at St. Francis Xavier Fellowship Hall, 2947 Thinnes Street, Cross Plains.

5:30 p.m. – Registration and light meal6:00 – 7:00 p.m. – Slideshow Presentation7:00 – 7:30 p.m. - Questions

To RSVP, please complete and sign the registration form included in this newsletter. It may be dropped off at any State Bank location or mailed to State Bank of Cross Plains, Attention: Terri Sutter, PO Box 61, Mt. Horeb, WI 53572.

Please register no later than Thursday, September 5th, 2019.

If you have question or concerns regarding this tour please contact: Lois Boehnen: 608-767-4752 or Terri Sutter: 608-416-4822 or primetime@sbcp.bank

All reservations will be taken in time and date order they are received.

Healthcare Planning Presentation

The Black Hills and Badlands

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President’s Message:Fellow Prime Time Plus Members:Your bank has had an exciting second quarter of this year. In May, we closed on

our merger with Union Bank & Trust (UB&T).

As a combined entity, we have approximately $1.3 billion in assets and now have a total of fifteen locations including Evansville,

Belleville, New Glarus, Brooklyn and

Janesville.

This merger will also provide us a tremen-dous opportunity to expand our member-ship in our great Prime Time Plus group.Adding to the excitement, we recently opened our brand-new Middleton office. This is a “branch of the future” with many electronic avenues for our customers to interact with us. The new building, (located next to our old building site), is beautiful and I encourage you to stop in and see it.In addition, we have finalized the renovation of our Cross Plains office, as well as the lower level of the Black Earth office. Both offices were damaged in last year’s flood. All these projects reflect the pride and dedication we have in how our buildings represent us in the communities we serve.

As this newsletter highlights, we have many opportunities for you to capitalize on with your involvement in Prime Time Plus. I hope you can take advantage of them.

I really enjoyed seeing so many of you at our Prime Time Appreciation Concerts on August 6th and want to personally thank you for your contributions and relationships with State Bank of Cross Plains

President and Chief Executive Officer, State Bank of Cross Plains

Join us Wednesday, November 6, 2019 State Bank Madison Office, 455 S. Junction Rd., Madison (lower level)

None of us like to think about death. Whether our own or that of a loved one, planning a funeral is often the last thing any of us want to talk about. As difficult as that conversation may be now, when dealing with the emotions and stress surrounding loss, making decisions about funeral planning becomes infinitely harder.

A common phrase we hear from many people today is, “I don’t want a funeral when I die” or “I don’t want any services”. Those of us that counsel the bereaved, however, have often times seen the healing role of the funeral in the grieving process. An effective and meaningful funeral or memorial service helps not only the immediate family of the deceased, but their friends, colleagues, and community members as well. This time to come together and remember their loved one provides crucial social support in the aftermath of a loss and is the beginning of the healing process.

Few people realize just how many decisions must be made in the days following a death. The planning process often involves as many decisions as a wedding yet must be accomplished in just a few days, all while under significant emotional stress. Taking the time to plan your own funeral makes this process much easier on your loved ones and

gives you the peace of mind that everything will be taken care of. Speaking with a funeral director ahead of time also allows you to be in control of your final wishes and decide how you want your life celebrated.

One of the most important questions to consider when planning a funeral is what kind of service would you like? Although

the most common place to start is whether you prefer burial or cremation, this doesn’t necessarily mean you have to have a certain type of service. Many families choose to have a more traditional style funeral with their loved one present in a casket in order to give friends and family the opportunity to say goodbye. Some choose to have a memorial service using photographs and memorabilia as the focal point, rather than a casket. Others may choose to have a gathering where friends and family can share stories and memories in a more informal or “party” type setting.

Whether you would like to have your service at a church, funeral home, or other special location, having these details in place will help your loved ones navigate the funeral process more easily in their time of grief.

Join Ric Vanderhoef, a Certified Pre-Planning Specialist with Gunderson Funeral and Cremation Care, on Wednesday, November 6th, 2019 at State Bank of Cross Plains to learn more about planning your own unique celebration and how to make sure the future is taken care of for your loved ones.

5:30 p.m. – Registration and appetizers 6:00 – 7:00 p.m. – Presentation 7:00 – 7:30 p.m. - Questions

To RSVP, please complete and sign the registration form included in this newsletter. It may be dropped off at any State Bank location or mailed to State Bank of Cross Plains, Attention: Terri Sutter, PO Box 61, Mt. Horeb, WI 53572.

Please register no later than Wednesday, October 23rd, 2019.

If you have question or concerns regarding this presentation, please contact: Terri Sutter: 608-416-4822 or Lois Boehnen: 608-767-4752 or primetime@sbcp.bank

All reservations will be taken in date and time order they are received.

Know BEFORE you GO Presentation

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Marvelous Milwaukee Continued

light and open space. This public portion of the building provides a visitors center, artwork from the permanent collection and the Giving Gallery Art Exhibit: “A

Community Process,” the story of their shared experience as a community, our connections to each other, dining, and terraces overlooking the enchanted gardens. The Northwestern Mutual Gardens include a 4.6-acre green area featuring gardens, trees, tables, benches, and walkways.

Take a guided tour of the Grohmann Museum Collection: “Man at Work.” It is comprised of more than 1,400 paintings, sculptures, and works on paper from 1580 to the present. They reflect a variety of artistic styles and subjects that document the evolution of organized work-from farming and mining to trades like glassblowing and

sea weed gathering. Even people who don’t consider themselves art lovers will be intrigued by these paintings that make you feel like you are part of them.

The building itself is as unique as the collections housed within. Don’t forget to check out the rooftop sculpture garden where you will find a dozen, large, bronze sculptures of men toiling in the field and foundry and more that perch on the roof line of the Grohmann Museum. Everyone leaves with a souvenir booklet.

Lunch is included at Milwaukee’s famous Sobelmans Restaurant – well known for their Bloody Marys! Choose from Classic Fish Fry (four pieces of beer battered cod with sides of coleslaw, fries, macaroni salad, rye bread and tartar sauce), OR Famous Burger Melt (hamburger with cheddar cheese topped with fried onions on marble rye bread served with fries and a pickle), OR Chicken Cordon Bleu Sandwich (grilled chicken with ham and Swiss cheese served with fries and a pickle). All entrees include a non-alcoholic beverage, dessert and a small Bloody Mary. Entrée Selection is due at the time of booking.

To complete our day in Milwaukee, we will take in a 90-minute narrated skyline cruise aboard a Milwaukee Boat Line

vessel. See unforgettable views and learn a unique perspective of Milwaukee’s history and architecture with live narration by experienced and entertaining tour guides and the captain.

Per Person Rate: $112.00 per member and $132.00 per non-member. Price includes deluxe motor coach transportation, tip for the driver, dinner and all attractions. Full payment is due at time of registration.

To RSVP, please complete the form included in this newsletter. It may be dropped off at any of our locations or mailed to State Bank of Cross Plains, Attention: Terri Sutter, PO Box 61, Mt. Horeb, WI 53572

If you have questions or concerns regarding this tour please contact: Lois Boehnen: 608-767-4752; Terri Sutter 608-416-4822 or primetime@sbcp.bank

All reservations will be taken in date and time order they are received.

After a lunch stop in Champaign, IL we departed for the well-known Brown Hotel in Louisville, KY. The hotel opened in 1923, only 10 months after construction began, at the cost of four million dollars.

Upon arrival, we were greeted with a welcome reception featuring Buffalo Trace, Maker’s Mark and Chocolate Bourbon and a delicious dinner of the famous “Hot Brown”. In the 1920’s, The Brown Hotel drew over 1,200 guests each evening for its dinner dance. By the wee hours of the morning, guests would grow weary of dancing and make their way to the restaurant for a bite to eat. Sensing their desire for something more glamorous than traditional ham and eggs, Chef Fred Schmidt set out to create something new to tempt his guests’ palates. His unique dish? An open-faced turkey sandwich with bacon and a delicate Mornay sauce. The Hot Brown was born!

The second day both buses departed for Churchill Downs, where we had an excellent private walking tour to see the horses, morning workouts. We watched a film that encircled us, “The Greatest Race” in the Great Hall and felt like we were at the derby. Following the film, we all made derby hats to be used later in the day. After learning how to bet on the horses, we were able to put our new skills to the test with mock races and enjoyed a self-guided tour of the museum.

Next we experienced a behind the scenes tour of Kentucky’s only American Brandy and Absinthe distillery, Copper & Kings American Brandy, and enjoyed the best views of Louisville’s skyline from their Skydeck.

Our next visit was to the Muhammad Ali Center. Muhammad Ali was an

American professional boxer, activist, and philanthropist. He is nicknamed “The Greatest” and is widely regarded as one of the most significant and celebrated sports figures of the 20th century and as one of the greatest boxers of all time. We also learned that Muhammad Ali spent his entire life fighting outside of the ring as well, as a humanitarian. The guide told us that like Muhammad Ali, we are all fighting for something - our career, political change, the environment, a child’s future. He then challenged us to think about what we’re fighting for and to go make a difference.

After freshening up, we were off to the Derby Dinner Playhouse in Clarksville, IN where we enjoyed a delicious dinner and

2019 Mystery Tour - Where did we go?

Continued on page 7

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Preparing for your Financial FutureWritten by Mark Drachenberg CFP®, Vice President and Senior Portfolio Manager

Thursday, October 24, 2019. SBCP Madison Office,

455 S Junction Road, Madison (lower level)

As an investor are you prepared for whatever effects the markets and economy send your way? Dealing with volatility, market upheaval, political uncertainty, and other issues can cause investors to get sidetracked without solid planning. At this event we will discuss the importance of knowing your risk tolerance and making sound asset allocation and investment choices that will allow you to ride through the ever changing world of investing.

Mark leverages his analytical background to offer a comprehensive view of his clients’

financial pictures. A familiar face in the industry throughout the Greater Madison Area, he has been with the State Bank of Cross Plains since 2004, where he leads the department’s investment function. He also plays a key role on the Bank’s Trust & Investment Committee.

A Madison native, Mark completed his undergraduate work in business administration at the University of Wisconsin–Whitewater, and earned a Masters of Business Administration degree with a finance focus from the University of Wisconsin- Madison. He has successfully completed a variety of Cannon Financial Estate Planning classes and has obtained his Certified Financial Planner™ certification.

5:30 p.m. – Registration and appetizers 6:00 – 7:00 p.m. – Presentation 7:00 – 7:30 p.m. - Questions

To RSVP, please complete and sign the

registration form included in this newsletter. It may be dropped off at any State Bank location or mailed to State Bank of Cross Plains, Attention: Terri Sutter, PO Box 61, Mt. Horeb, WI 53572.

Please register no later than Thursday, October 10th, 2019.

If you have question or concerns regarding the presentation please contact: Terri Sutter: 608-416-4822 or Lois Boehnen: 608-767-4752 or primetime@sbcp.bank

All reservations will be taken in date and time order they are received.

Join us aboard the Norwegian Pearl, September 18-30, 2020, for an incredible cruise through New England and Canada!

Our adventure will begin with an overnight stay in New York City and an overview tour of many of the Big Apple’s most famous sights. We’ll then board our ship and sail north on our 11-night journey to explore picturesque ports along North America’s eastern seaboard, including: Newport, Rhode Island; Boston, Massachusetts; Portland and Bar Harbor, Maine; Halifax and Sydney, Nova Scotia; Charlottetown, Prince Edward Island; and Saguenay and Quebec City, Quebec.

To learn more about this wonderful tour, please join us as Cathy Greteman, founder and head of Star Destinations since 1984, presents a slideshow featuring Canada and New England, aboard the Norwegian Pearl.

Cathy has an incredible passion for world-wide travel which she expresses through her successful 35-year-old family-owned and operated group travel company. This passion has taken her to more than eighty countries around the world and drives Star Destinations’ mission to create custom-de-signed, full-service travel programs featuring extraordinary service and unique experiences that capture the heart and soul of a destina-

tion and immerse travelers in the culture. Through their exclusive brand of Star service and creativity, Star Destinations helps travel-ers fulfill their travel dreams in destinations close to home and around the world!

The Slide Show will take place on Thursday, October 17, 2019 at St. Francis Xavier Fellow-ship Hall, 2947 Thinnes Street, Cross Plains.

5:30 p.m. – Registration and light meal6:00 – 7:00 p.m. – Slideshow Presentation 7:00 – 7:30 p.m. – Questions

To RSVP, please complete and sign the registration form included in this newsletter. It may be dropped off at any State Bank location or mailed to State Bank of Cross Plains, Attention: Terri Sutter, PO Box 61, Mt. Horeb, WI 53572.

Please register no later than Monday, October 7th, 2019.

If you have question or concerns regarding this tour, please contact: Terri Sutter: 608-416-4822 or Lois Boehnen: 608-767-4752 or primetime@sbcp.bank

All reservations will be taken in date and time order they are received.

Canada and New England, aboard the Norwegian Pearl

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table server to the kingdom’s favorite performer – is dedicated to making this an unforgettable event. From the rousing Wassail Toasts to the last spoonful of bread pudding and the final fading melody of the Madrigal Syngers’ performance, you will be enchanted and filled with the spirit of Christmas.

MENU: Spiced holiday wassail, holiday salad and vinaigrette dressing, cream of broccoli soup, carved sirloin with bordelaise sauce, yorkshire pudding, parslied potatoes, baby carrots with green bean amandine, rolls and butter, bread pudding and rum sauce, coffee or tea. Menu subject to change.

Day Two – B, D (each coach will see the same thing today – just in a different order)

• Poinsettia show at Lauritzen Botanical Gardens – Thousands of poinsettias bursting with rich, vibrant color fill the floral display hall in a glowing tribute to the holidays during the spectacular holiday poinsettia show. In the center of it all, a magnificent and majestic 20-foot-tall poinsettia tree stands. Surrounded by a cascade of twinkling white lights, glittering ornaments and the whir and whistle of model garden trains, this show evokes the warmest greetings of goodwill and cheer.

More than 5000 poinsettias in nearly 20 different varieties were grown for the 2018 display. See varieties of multi-hued, deep red, sparkling white and speckled poinsettias that vary in hue, texture, height and bloom time. Varieties will be replaced as needed to provide an ever-changing display.

To build the holiday ambience, model garden trains will whir and whistle around dozens of miniature Omaha-area landmarks, such as the First National Tower, Woodmen Tower, Union Pacific’s headquarters, the Rose Theater and numerous Old Market buildings.

• Christmas at Union Station at the Durham Museum – The best way to spread Christmas cheer…is to visit to The Durham Museum, of course! Christmas at Union Station is back for another year of festive fun. This long-standing tradition has become one of the top holiday destinations in the region. From the forty-

foot-tall twinkling tree to holidays around the globe, to Santa himself, you won’t want to miss it!

• Lunch at Passengers Own Expensive & Shopping in Old Market District (passengers can walk from Embassy Suites – market is across the street

• 3:30-4:30 pm Rest & Manager’s Reception at Embassy Suites

• Polish Christmas Dinner at the Polish Home - The Belvedere Hall in Papillion.

• Christmas Carol Musical (Broadway Style Musical at the Omaha Community Playhouse – It just isn’t Christmas without A Christmas Carol. Experience Omaha’s favorite holiday tradition as Ebenezer Scrooge takes us on a life-changing journey filled with lovely costumes, exquisite music, beautifully crafted sets and special effects second to none. It’s perfect for the whole family!

Day Three – B, L, D (each coach will see the same thing today – just in a different order)

• Torts & Coffee at the Lithuanian Bakery – The Lithuanian Bakery has been a staple of Omaha for over 40 years. The specialty breads and Lithuanian tortes are produced daily by an experienced staff committed to high quality products and customer satisfaction.

• Visit Tannenbaum Christmas Shop – Step within their vine-wrapped entrance to find a wonderful world of artistry and imagination. You might just find a special ornament for your tree!

• Greek Lunch at the Greek Orthodox church – Arrive at Saint John’s and learn about the Orthodoxy and see the splendor of the church. Enjoy an authentic Grecian lunch and “Christmas in Greece” holiday experience.

• Irish Christmas at Father Flanagan’s Boys Town – Enjoy the annual Father Flanagan House Museum Irish Christmas which features the homemade tradition of a true Irish Christmas with historic Christmas quilts, old-fashioned ornaments from the 1920s to 40s and antique toys from the 1920s.

• 4:15-5:15 pm Rest & Manager’s Reception at Embassy Suites

• Dinner at the Embassy Suites Old Market with Celtic Harpist Christmas Performance at Embassy Suites Dinner (menu is to be announced)

• Joyful Noise: A Christmas Performance featuring the Grammy-nominated Salem Baptsit Church Choir – Enjoy the harmonious sounds of Omaha’s nationally recognized Salem Baptist Church Choir! This Christmas tradition returns to the Holland Center with a combination of holiday classics and new music. The Grammy-nominated choir features the soaring voices of more than 70 members. This upbeat celebration includes exciting special guest artists, theater and choreography.

Day Four – B

• Arrive at the Amana Colonies Tannenbaum Forest – Explore the Tannenbaum Forest and see over 40 Christmas trees, decorated by local businesses. Bid on your favorite holiday wreath while you listen to Christmas carols. You’ll have time to browse the Tannenbaum Forest, shop and enjoy lunch, at passengers own expense in the Amana Colonies

Per Person Rates: $1042 double, $1246 single and $1022 triple. Please add $50 non-member fee per person.

The State Bank of Cross Plains has purchased a Group Protection Plan for all travelers on this tour. A copy of the plan document will be provided upon request.

Christmas around the World (Omaha, NE) Continued

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Scam artists will use any leverage they can get to separate you from your money. Sadly, that includes exploiting grandparents’ love and concern for their grandchildren, giving rise to a breed of impostor fraud specifically targeting older Americans.

Grandparent scams typically work something like this: The victim gets a call from someone posing as his or her grandchild. This person explains, in a frantic-sounding voice, that he or she is in trouble: There’s been an accident, or an arrest, or a robbery. To up the drama and urgency, the caller might claim to be stuck in a foreign country; to make the impersonation more convincing, he or she will throw in a few family particulars, gleaned from the actual grandchild’s social media activity.

The impostor offers just enough detail about where and how the emergency happened to make it seem plausible and perhaps turns the phone over to another scammer who pretends to be a doctor, police officer or lawyer and backs up the story. The “grandchild” implores the target to wire money immediately, adding an anxious plea: “Don’t tell Mom and Dad!”

Fraudsters have also been known to ply this trick by email, text message and social media. It can be very lucrative — one former practitioner told CBS News that he could make as much as $10,000 on a good day. And it appears to be on the rise: The Federal Trade Commission (FTC) reports that family and friend impostor scams cost consumers $41 million in the 12 months ending Oct. 31,

2018, up from to $26 million the previous year. The median loss is $2,000, according to the FTC, more than four times the amount for all fraud types.

Warning Signs• The person claiming to be your grandchild

asks you to send money immediately and provides details on how — for example, via prepaid cards or to a particular Western Union office.

• The call comes late at night. Scammers figure an older person may get confused more easily if they call then, the National Consumers League warns.

Do’s• Do set the privacy settings on your social

media accounts so that only people you know can access your posts and photos. Scammers search Facebook, Instagram and other social networks for family information they can use to fool you.

• Do ask questions someone else is unlikely to be able to answer, such as the name and species of your grandchild’s first pet.

• Do say you’ll call right back, then call your grandchild’s usual phone number. With luck, he or she will answer, and you’ll know that the supposed emergency call is a scam.

• Do contact other family members or friends and see whether they can verify the story. Scammers plead with you to keep the emergency a secret precisely, so you won’t try to confirm it.

• If you speak to someone who claims to be a police officer, do call the relevant law enforcement agency to verify the person’s identity and any information they’ve given you.

• Do trust your instincts. As the American Bar Association advises, if something doesn’t feel right, it probably isn’t.

Don’ts• Don’t drop your guard because the number

on your caller ID looks familiar. Scammers can use technological tricks to make it appear that they’re calling from a trusted number, even including a family members name with the number, the Federal Communications Commission warns.

• Don’t volunteer information — scammers fish for facts they can use to make the impersonation believable. For example, if the caller says, “It’s me, grandpa!” don’t say your grandchild’s name. Wait for the caller to say it.

• Don’t let a caller rush you into making a decision.

• Don’t send cash, wire money, or provide numbers from gift or cash-reload cards to a person claiming to be a grandchild. Scammers prefer those payment methods because they’re difficult to trace.

• Don’t panic, no matter how dire the grandchild’s predicament sounds. Scam artists want to get you upset to distract you from spotting their scheme.

Beware of the Grandparent Scam

2019 Mystery Tour - Where did we go? Continued“The Savannah Sipping Society”, a laugh-a-minute comedy about four southern women, all needing to escape their day-to-day routines, drawn together by fate and an impromptu happy hour.

During our last day in Louisville, we enjoyed a city tour and learned about its history, beautiful buildings, landscapes and why it is considered the Bourbon capital of the world. Our next stop was at the Louisville Slugger Museum and Factory, where we learned how baseball bats are made. After the tour, we took a ride on the French Lick Scenic Railway through the beautiful Hoosier National Forest and Burton Tunnel. On the way to our next hotel, we tried something “wild” and partook in the “Giraffe and

Elephant Experience” where we visited an elephant and two giraffes, learned about them, fed and had our pictures taken with them at a place called Wilstem, in Paoli, IN

After a short stop at our hotel, the famous French Lick Springs Resort in French Lick, IN we departed for Abbeydell Hall for a private dinner and show. “I’ve Got the Music In Me! a 1960’s & 70’s Musical Production”, a Branson, MO styled show featuring music of the 1960’s. This new hit musical production took us back to the days of the Bee Gees, the British Invasion and Motown. Our group enjoyed the high energy of this outta site journey of music, dance and the rockin’ harmonies of the day! Both the resort and

Abbeydell Hall were property formerly owned by Basketball Great Larry Bird.

It was hard to believe we were already headed for home. With a lunch stop at the Cracker Barrell and a visit to the Beer Nuts Company Store in Bloomington, IL, the only city in the world where Beer Nuts are made! Our company tour included a brief video presentation on the making of Beer Nuts, nuts to sample, and of course purchase. Before we knew it we were back home already with some great memories of our summer getaway!

TELEBANK 24608-798-4636 or 1-800-315-4636

Card Services608-798-5214

Wealth Management Department608-826-3570

Web Site: www.sbcp.bank

Prime Time Plus E-Mailprimetime@sbcp.bank

Prime Time Office Advisors: Cross Plains: Deborah Elsberry OphimeMadison: Michael AdlerMiddleton: Tonia GilbertsonMt. Horeb: Pat TaylorOregon: Melissa WoodsonVerona: Alex HerrWaunakee: Lisa Heinle

Belleville Office110 Greenway Cross Ct.Belleville, WI 53508

Black Earth Office 1030 Mills St.Black Earth, WI 53515

Brooklyn Office210 Commercial St.Brooklyn, WI 53521

Cross Plains Office 1205 Main St.Cross Plains, WI 53528

Cross Plains Motor Bank 2535 Main St.Cross Plains, WI 53528

Evansville Office2 E. Main St.Evansville, WI 53536

Madison Office 455 S. Junction Rd., Ste. 100 Madison, WI 53719

Middleton Office 8301 University Ave.Middleton, WI 53562

Mount Horeb Office 1740 Springdale St.Mt. Horeb, WI 53572

New Glarus Office512 State Rd. 69New Glarus, WI 53574

Oregon Office883 N Main St.Oregon, WI 53575

Verona Office108 N. Main St.Verona, WI 53593

Waunakee Office610 West Main St.Waunakee, WI 53597

For Customer SupportCall: 608-798-3961 or 855-256-7328 The Prime Times is published quarterly by the State Bank of Cross Plains with its Main Office at 1205 Main Street, Cross Plains, WI 53528. Telephone (608) 798-3961. Send address changes and comments to editor, Lois Boehnen at 1205 Main Street, PO Box 218, Cross Plains, WI 53528. This publication is written for the benefit of the Prime Time Plus Club members of the State Bank of Cross Plains.

Prime Time Plus Club1205 Main StreetCross Plains, WI 53528

Director’s Message Lois Boehnen – Club DirectorOur goal through our Prime Time Plus Club is to build relationships with all of you

to support you wherever your life goes. We

hope to do this by offering a not only great products and services to meet your ever-changing financial needs, but also in offering a

variety of different experiences

throughout each year for you to

enjoy. Our members tell us one of the very best parts of being a club member is the friendships they make along the way. Whether they are reconnecting with old friends they haven’t seen in many years, or making new ones, this is a popular a highlight of our club membership. In our travel, we strive to offer unique, all-inclusive experiences. This year we enjoyed a warm get away in Jamaica, Louisville Kentucky and the French Lick on our Mystery tour, Montana and Glacier National Park. We will depart on our Romantic Rhine River Cruise in September and Christmas in Omaha in December.

Many of you have told me that we need to see Mt. Rushmore, well 2020 is the year! We’ve also had a lot of interest in cruising the Canadian coast and New England, how about September 2020? Make sure you tell us where you want to go and make sure you check out the information on our upcoming slide shows. If you are still interested in our last day trips please give me a call. Often people have to cancel at the last minute and would be thrilled to have someone go in their place. Our goal is to have you look at us as your bank, we hope you’ll use us as a resource for knowledge, entertainment and services. Thanks for being part of our club.