August 2019

FDIC Insured

October 9, 2019!! THE BUDDY HOLLY STORY @ Fireside Theatre in Fort Atkinson

Bus Departures: Fond du Lac @ 8:35 am

Oakfield @ 8:45 am

Waupun @ 9:00 am

Cost per Person: $95.00 Member $100.00 Non-Member Before the Beatles and the Rolling Stones ever played a note, popular music was forever changed by a bespectacled kid from Lubbock, Texas – Buddy Holly! Now you can witness his story explode onto the Fireside stage in a toe-tapping, hand-clapping extravaganza, which will have you up and dancing. Buddy tells the true story of Buddy Holly through his short yet spectacular career, and features the classic songs “That’ll Be the Day,” “Peggy Sue,” “Oh Boy,” “Every day,” “Not Fade Away,” “Heartbeat,” “Rave On,” as well as The Big Bopper’s “Chantilly Lace,” Ritchie Valens’ “La Bamba,” and many more! Viewed by over 22 million people in over 23,000 performances worldwide, Buddy opened in London’s West End in 1989 and has been seen on Broadway, throughout the United States and Canada, Australia, New Zealand, Germany, Scandinavia, The Netherlands, Japan, South Africa, and Singapore, winning numerous awards along the way. We will also be making a brief stop at Jones Market following the show.

RSVP by September 6th – Call Kathy direct at 920-583-1323 (Leave Message)

December 10, 2019

GAC Members-Only Christmas Party Oakfield Community Center

Cost: $25.00 per person Social Hour at 5:30 pm

Dinner served by Anita’s Log Cabin 6:00 pm* Entertainment 6:30 – 8:00 pm

December 14, 2019

@ Green Lake Conference Center - Dinner begins @ 12:00 pm

Bus departs Oakfield office @ 9:45 am, Brandon office @ 10:00 am

Cost per Person $80.00 Member $85.00 Non-Member Take a seat in Bauer Dining Room near a roaring fire and indulge in a delectable holiday buffet. The menu includes roast tom turkey, chef-carved honey glazed pit ham, mashed potatoes and turkey gravy, sage stuffing, vegetable blend, salad, rolls, breads, holiday desserts and beverages. Cody headlines the trio with tenor banjo, guitar and vocals. His sister Brittney joins in on double bass and vocals. Their father Brent rounds out the group with steel guitar, piano, five-string banjo, violin and vocals.

RSVP by November 14th – Call Kathy direct at (920)583-1323

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“Pack N Go” Door County Tour

Coming Spring 2020! Planning a 2-day trip.

Watch for Final Details in NEXT newsletter.

Stop in at one of our weekly

Bristol Morgan Bank Morning Coffee Shoppes!

Enjoy coffee with a sweet treat on the side…

Tuesday’s – Oakfield Office (8:30 am – 10 am)

Thursday’s – Brandon Office (9 am -11 am)

Stop in to see us, we would love to have you!

February 13,

2020

The Essence of Panama

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New Date! April 26, 2020!!

Sedona’s Red Rocks and The Grand Canyon Featuring Two

Historic Rail Journeys

Sedona

Verde-Canyon Railway

October 14, 2020 Best of Ireland

Golden Advantage Club Director’s Corner

Fall is quickly approaching with leaves on a few trees already changing color! This newsletter is filled with a wealth of

information for all! You will notice that our Members Only Christmas Party will be a little earlier than the past few years.

This is due to ensuring that we have Anita’s Log Cabin as our caterer for the evening. Hope you all can make it!

We have quite a few seats left for the Buddy Holly Story at The Fireside on October 9th, give me a call if you have not

reserved a seat yet. We will be making a stop at Jones Market in Fort Atkinson right after where you can grab some of

their famous fresh meats or just sit and enjoy an ice cream treat as others shop.

Once again, you will notice that we are attending the Green Lake Conference Center on Dec. 14 for the Cody Clausen

Christmas Dinner & Show. For those who have never gone to this event, you will not be disappointed. There is a bake

sale and crafts available in the lobby prior to the show along with an outstanding buffet prior to the show. Sign up today!

We have a very exciting start to 2020 with a 2-day trip to Door County, cost per person along with the itinerary will follow

in the next newsletter.

Let me know if you are interested in one of our extended trips to Ireland, Sedona’s Red Rocks or Panama. There

is limited time to still take advantage of the savings for any one of these trips.

Members, pick up the phone to reach out to that friend, family member, or neighbor to join you on one of our trips, non-

member pricing is only $5.00 more than a member! Better yet, if you know of someone who would like to become a

member, let me know so I can send then a Golden Advantage Club enrollment brochure! Joining our club is simple…you

must be 55 or older, has $5,000 or more on deposit in a Checking, Savings, Certificate of Deposit or Money Market

Deposit Account OR have a total of $25,000 or greater in loans on Auto Pay. It’s that easy!! There are a number of perks

for being a member that save you money.

Golden Advantage Club enrollment brochures are also available at any one of our offices in Oakfield, Van Dyne, Brandon

or Fond du Lac.

If at any time, you have questions about any one of our trips or about our club, email or call me anytime!

Email: kshafer@bristolmorganbank.com or Direct Line (920)583-1323.

~Kathy

Free Interest-Bearing Checking Account Social & Educational Events

Free Checks Free Cashier Checks and Money Orders

Quarterly Newsletter Free Copies

Special Club Trips Free Notary Service

Events coming soon to our local communities: Wednesday’s 11 am – 3 pm FDL Farmers Market @ Main Street Plaza through Sept 25 Saturday’s 8am – 12pm Fond du Lac Farmers Market (Last Saturday is Oct 26th)

Monday, September 2nd FDL Labor Day Parade on Main Street 11 am

Thursday, September 12 The Gatsby Party @ The Retlaw @ 6:30 pm

Saturday, October 5th Scary Scurry 5K @ Lakeside Park starting 8:30 am

Saturday, October 5th Oakfield Historical Society Ice Cream Social 1 pm – 4 pm

Saturday, October 12th Oakfield United Methodist Church Pork chop Dinner 4 pm -7:30 pm

Security Awareness Con artists come up with more elaborate and more damaging ways to scam people every day. Nobody is

immune to scams, but knowing the following information may help you to protect yourself from being

scammed.

Take Your Time

Con artists and scammers can be very charming and nice. Often, they will use this to rush people into

making a deal without knowing all the pertinent details.

* Always insist on taking your time. Get the details in writing, and if you are uncomfortable with the deal,

talk to a trusted family member or friend before providing any financial information to a stranger.

** Home repair schemes are common across the nation. Before you give any money to someone who

comes to your door, talk to your neighbors or trusted family members. Also, ask to see credentials and

local references. This is especially important if the business contact information is not in your area or even

in Wisconsin. It is best to get at least two estimates before you get any work done on your home.

Do Not Pay for Unfinished Work

* Do not pay for any work in advance of its completion. Many scammers will take your money and

disappear as soon as they get the chance, leaving you to pay for any damages. Any legitimate business

person should be willing to sign a contract or work order.

* Do not pay cash to persons you hire. Paying by credit card provides greater protections.

Financial exploitation: can rob a person of self-esteem and trust, as well as needed income and

assets. Although financial exploitation does not leave physical scars, it is an abusive crime.

Consider these actions to protect yourself from financial exploitation.

Control Your Own Finances

* No one, not even a trusted family member, should pressure you into giving up control of your finances. If

you are feeling pressured, talk to someone at your church, your local Aging and Disability Resource

Center, your bank, or an attorney.

* Set up a Power of Attorney for Finances (POA-F). The POA-F form asks you to consider a wide range of

financial decisions. If you should become incapacitated, even for a short time, your agent will act for you

based on directions you provided when the form was completed. Having a POA-F and a Power of

Attorney for Health Care can often delay or replace the need for a guardianship. In addition, the decisions

will be made based on your choices and your preferred agent. A Power of Attorney can be as limited or as

broadly defined as you wish and can be revoked at any time. Keep a copy of the form safe in your home

and give a copy to your agent as well as to your financial institutions (banks, Mortgage Company,

insurance company, etc.).

Practice Safe Banking

* Avoid joint checking accounts with non-spouses. When you add someone's name to your account, they

can do far more than just sign checks to pay your bills. They become a joint owner of the account and can

withdraw the entire balance without your knowledge or approval. Additionally, if they have any debts, his

or her creditors may be entitled to funds in your shared account.

* Check your bank statements at least monthly. If someone is helping you pay bills and manage your

accounts, get a trusted third party to do a monthly review of your bank statements.

* If you no longer use your ATM card, cancel it.

"Payable on Death" Accounts

If you want a person to inherit the funds in your account, instead of a joint checking account, consider a

"payable on death" designation. All you have to do is notify your bank and the beneficiary of the legal

name of the person who you want to inherit the money. You don't have to pay fees to an attorney for a

payable on death bank account, but it accomplishes the exact same goals as a trust fund.

Automatic Payments

If you are establishing an account so that someone can help you pay expenses, consider depositing only

enough to pay each month's bills. Many bills can now be paid directly from your account. Check with your

bank or service provider about automatic monthly payments.

Direct Deposit

Have your social security, pension and other income checks automatically deposited. Your money will be

securely deposited so you do not have to be concerned about lost or stolen checks. Talk to your bank

about direct deposit. For automatic deposit of your social security checks, call 1-800-772-1213 or

visit http://www.ssa.gov/deposit/ for more information.

Protected Accounts

Create "protected" accounts that limit daily, weekly or monthly withdrawals or flag irregular activity. If

someone is helping you to manage your finances, get a trusted third person to review your bank

statement each month.

Care and Services

* Check references and credentials of anyone you hire to provide care or services.

* Keep your financial information private and secure. In most cases, caregivers do not need access to

your financial records.

* Do not sign over money or property to anyone in return for care, even family members, without review by

a trusted third party.

Other Useful Tips

* Open your own mail.

** Do not feel pressured to sign documents that you do not understand.

*** Sign your own checks and do not sign blank checks, even for family members.

*****Remember: it is your money. Do not be afraid to say NO. Do not be afraid to ask for help. *****

The most important thing to remember about scams is that if it sounds too good to be

true, it probably is. Do not be too embarrassed to ask for help and advice on matters related to

your money. It is okay to be skeptical. On the other hand, do not be embarrassed if you have been

scammed. Report the event to your local sheriff or to consumer protection.

Visit any one of our Bristol Morgan Bank Locations Oakfield Office Van Dyne Office Brandon Office Fond du Lac Office

103 South Main Street N9512 Van Dyne Road 600 Clark Street 171 S. Pioneer Rd.

PO Box 128 PO Box 128 PO Box 278 PO Box 148

Oakfield, WI 53065 Van Dyne, WI 54979 Brandon, WI 53919 Fond du Lac, WI 54936

Phone 920-583-3191 Phone 920-688-5252 Phone 920-346-2288 Phone 920-926-3900

Fax 920-583-8419

Toll Free 1-888-852-3191