Mutual Funds
In order to provide you with more complete information about any specific mutual fund(s), including their fees and expenses, appropriate prospectuses are available upon request. Please read it carefully before you invest or send money.

These popular products enable you to manage your risk by investing in a diversified portfolio of stocks and/or bonds. We feature both "load" and "no-load" funds.

Advantages include low cost, liquidity, monthly interest opportunities, and exchange privileges to other funds by phone. We'll provide you with additional details about the variety of mutual funds currently available that help meet your particular investment objective.

U.S. Government Securities
Income from federal and municipal bonds may be subject to federal, state or local taxes.

These Treasury Bills, Notes, and Bonds are exempt from state tax and are secured by the full faith and credit of the U.S. Government. These investments provide you with a variety of investment maturities. They are recommended for the conservative investor who wants to minimize investment risk and is looking for income.

Government Agency Securities allow you to invest in Federal Home Loan Bank Notes, Ginnie Maes, Fannie Maes, and several other government agencies. They provide monthly to semi-annual income. Principal and interest of agency issues are backed in several ways: by collateral such as cash, U.S. Treasury Guarantee, the right of the Agency to borrow from the Treasury, or in a few cases, by the full faith and credit of the government.

Tax Free & Tax Deferred Investments
Variable annuities are sold by prospectus only which contains more complete information including charges and expenses. Please read carefully before investing or sending money.

There are several ways to invest to help reduce your current tax liability on investment income. Tax-free municipal bonds and bond funds pay interest semi-annually and monthly. The interest paid is exempt from federal income taxation, and certain bonds can also be state exempt. Another way of reducing current tax liability is to defer current tax liability until later, typically until retirement when it is assumed that income tax liability will be less. Investments that meet this objective include Self-Directed IRAs, Annuities, and Variable Annuities.

Stocks
We have the ability to help you purchase any individual security for your investment portfolio at competitive commission rates. We have access to all major exchanges such as NYSE, OTC (NASDAQ), and AMEX. We can also help you purchase exchange traded American Depository Receipts (ADRs), closed End Mutual Funds, and Real Estate Investment Trusts (REITs).

Investment products are provided through HTLF Investment Services and its affiliates, entities of which are independent of Dubuque Bank and Trust. Investment products are not FDIC insured, nor are they deposits, obligations, recommendations or guaranteed by Dubuque Bank and Trust. Investment products are subject to risk including possible loss of principal