Traditions Companies Newsletter – July 2018

newsletter

JULY 2018 | SUMMER

WHAT’S INSIDE TOP WORKPLACES

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MORTGAGE

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HOMES BY TRADITION

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WEALTH MANAGEMENT

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ROBERT THOMAS HOMES

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DEVELOPMENT

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GOLF

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CAPITAL BANK

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ENEBAK CONSTRUCTION

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ESQUIRE TITLE

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GIVING BACK

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PARTNER SPOTLIGHT

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development | mortgage | new home builders | construction capital bank | golf | wealth management | title

www.traditioncompanies.com

2018 STAR TRIBUNE TOP WORKPLACES Tradition Companies has been named one of the Top 150 Workplaces in Minnesota by the Star Tribune for the sixth year in a row. This list recognizes the most progressive companies in Minnesota based on employee opinions measuring engagement, organizational health and satisfaction.

The analysis included responses from over 71,000 employees at Minnesota public, private and nonprofit organizations.

This year, Tradition Companies ranked in the Top 5 of the midsize business category.

Star Tribune Publisher Michael J. Klingensmith said, “The companies in the Star Tribune Top 150 Workplaces deserve high praise for creating the very best work environments in the state of Minnesota. My congratulations to each of these exceptional companies.�

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awards

We are honored to be part of this list for so many consecutive years. A special thank you to all our employees for making this possible. We pride ourselves in creating a culture that focuses not only on hard work, but also on bringing our people together. Go Team Tradition!

The complete list of companies can be found at:

www.StarTribune.com/topworkplaces2018

TRADITION MORTGAGE U.S. MBA 30-YR MORTGAGE RATE

DID YOU KNOW...

7 6.5

2018 is off to a strong start at Tradition Mortgage.

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Despite headwinds in the market including limited home inventory and rates trending higher, 2018 has been very successful at Tradition Mortgage. Through May, we closed over 700 loans for well over $200 million to help our clients build, buy, and refinance.

Interest rates are still at historic lows.

Despite the hoopla in the media for the steady rise in interest rates in 2018, interest rates are still extremely low.

Comparing May 2018’s average 30 year rate of 4.625%, in May 2008 we topped 6%, in May 1998 we topped 7%, and way back in May 1988 we saw up to 10%!

(Source: Freddie Mac)

4.5 4 3.5 2008

2010

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The average tenure for Tradition’s Senior Loan Officers is over 15 years.

Our team of professionals are seasoned in the mortgage industry, making Tradition one of the most experienced mortgage companies in our market.

Tradition recently opened a new office in Hudson, WI. To serve clients in western Wisconsin, we opened a new office in Hudson.

2016

2018

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Source: Mortgage Bankers Association (MBA)

The office is located near historic downtown Hudson and serves as the lending home base for Senior Loan Officer, Ryan Magee (NMLS #183482).

Tradition is a completely referral based lender.

We are dedicated to working with our business partners and having an industry leading rate of repeat clients. Tradition aims to meet all our client’s financial needs by providing the best home financing products and top customer service.

- Erik Hendrikson | President

Tradition Mortgage

Historical Interest Rates for 30-Year Fixed-Rate Mortgages: Annual Averages, 1971-2017 18% 16% 14%

For more information visit www.TraditionMortgageMN.com

12% 10% 8% 6% 4% 2% 0%

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mortgage

Source: Value Penguin (valuepenguin.com)

Company NMLS #286998

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HOMES BY TRADITION It has been a busy 2018 for Homes by Tradition, building custom homes in the Twin Cities south metro. From Inver Grove Heights to Prior Lake, and everywhere in between, we’re building on-your-lot or in our communities. Our custom design-build process is as unique as our homes, providing a fun and rewarding experience for our customers. The average price point of our homes has been around $1.1M, with homes starting at $650K. We are excited to have our new custom model in our Reverence neighborhood selected as 1 of 4 Artisan Dream Home ℠ entries in the BATC Fall Parade of Homes ℠ this September. Be sure to stop by and tour!

- Dean Nelson | President Homes by Tradition

TWO OF OUR DESIGN-BUILD PROJECTS:

MODERN COASTAL | Lakeville 8 bed | 7.5 bath | 6,050 sq. ft.

Inspired by our customers’ vacation home on the east coast, this home is the perfect blend of coastal design and textured finishes. In collaboration with the talented architectural team of David Charlez Designs, this home features white oak, cable rails and reclaimed accents. The creative, well thought out entertaining design is complete with an outdoor living space with pool and pool house facility to take advantage of the beautiful property.

URBAN FARMHOUSE | Rosemount

6 bed | 5 bath | 6,171 sq. ft.

This home showcases a clever contrast of contemporary detail with a twist on traditional style. It pushes the boundaries by mixing hard and soft, casual and refined, and modern and classic elements. From the moment you step into the unique farmhouse designed foyer, this home is sure to impress with its inviting, warm color palette.

Shiplap details are incorporated throughout the home with brass accents and dark bronze finishing touches.

new home builders

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For more information, visit us at www.homesbytradition.com or call 612-363-6034.

*The Parade of Homes and Artisan Dream Home are service marks of the Builders Association of the Twin Cities and used with permission.

TRADITION WEALTH MANAGEMENT Tradition Wealth Management is heading into the second half of 2018 as busy as ever. Since the last newsletter in January, we’ve added four new members to our team, bringing us to 20 employees. We currently have branch offices in Edina, St. Paul and Woodbury and are looking to expand to more locations later this year.

NEW EMPLOYEES Kelly Huegel

Eric Peyton

Office Manager

Financial Advisor

Alex Wynne

Cory Carlson

Data Integration Specialists

STOP BY OUR EDINA OFFICE AND SAY HELLO!

MID-YEAR FINANCIAL CHECK-UP On these summer days, you are probably thinking about what lake or beach to go to, spending time on your favorite golf courses, or planning a road trip with your family. Although life may be slower and less cluttered, summer is a great time to sit down and do a mid-year financial check-up.

RETIREMENT CONTRIBUTIONS Small increases to your 401K and/or IRA accounts make a big difference over time. Make it a goal to increase your savings each year.

ESTATE PLANNING Thinking about a will, health care directive or power of attorney can be an uncomfortable topic. If you don’t have these key documents, take the time to set them up. If you already TAXES have these set up, take time to review On December 22, 2017, President the details, as well as your beneficiary Trump signed into law the Tax Cuts elections. and Jobs Act, a sweeping $1.5 trillion tax-cut package that fundamentally LIFE INSURANCE changes the individual and business It is wise to evaluate your insurance tax landscape. Now may be a good needs annually to make sure you time to see how the new tax laws will have the right amount and type of insurance. impact your 2018 tax return.

- Brad Johnson | Investment Advisor, Partner Tradition Wealth Management

SPORTS MANAGEMENT The sports management division, led by former professional hockey player, Jake Taylor, was launched earlier this year to help navigate the complexities of life as a professional athlete. We’re excited about the traction we’ve made with this new division and look forward to its continued growth.

For more information, call 952-563-6500

wealth management

Securities offered through ProEquities, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Investment Advisory Services offered through Tradition Wealth Management, LLC, a Registered Investment Advisor. Tradition Wealth Management, LLC, ProEquities, Inc., and all other Tradtion-branded companies are independent entities.

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ROBERT THOMAS HOMES Introducing our Village Collection!

The Village Collection is complete with eight single-family home floor plans ranging from 1,700 square feet to 3,300 square feet. Each floor plan offers a range of modern farmhouse elevations and an open layout. These dramatic design aspects are targeted to catch the millennial move-up buyer’s eye, but may appeal to any demographic.

Starting from $399,900, pricing is relatively affordable in today’s housing market.

This collection is currently offered exclusively in the Spirit of Brandtjen Farm community, Lakeville’s premier master planned neighborhood featuring a restored dairy barn, swimming pools, exercise facilities, and an extensive trail system.

You can catch our 1700 and 2300 Village Collection showcase models in this year’s Fall Parade of Homes℠. Check out all of our 19 Fall Parade models in nine distinctive neighborhoods. The 2018 Fall Parade of Homes℠ runs from Sept. 8th - Sept. 30th.

- Todd Stutz | President

For pricing, available quick move-in homes and more information, please visit www.RobertThomasHomes.com.

MODELS OPEN DAILY 12-5PM

Robert Thomas Homes

new home builders

*Home prices refer to the base price or starting price of a home plan and do not include optional home elevations, options, upgrades or lot premiums. Prices, floor plans, home elevations, options, upgrades, specifications, incentives, promotions and availability are subject to change without notice. Finished square footage and dimensions are approximate and subject to change without notice. Photos and/or illustrations may not depict actual home plan configuration and/or details and may show certain options and upgrades not included in the base price or starting price of the home plan. Community improvements and amenities described are based upon current development plans and information furnished by others and are subject to change without notice. No representations are made with regards thereto. Community association fees and/or assessments and, covenants, conditions and restrictions may apply. Promotions and incentives may require the use of a certain lender which is an affiliate of Robert Thomas Homes, Inc. Floor plans and home elevations are used by permission by Robert Thomas Homes, Inc. and are protected by U.S. copyright laws. The Parade of Homes is a service mark of the Builders Association of the Twin Cities and is used with permission. Please consult a Robert Thomas Homes, Inc. New Home Consultant for complete information. MN LIC BC644819

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TRADITION DEVELOPMENT Tradition Development recently purchased a new parcel of land in Woodbury, MN that is being developed into a new home community, Highcroft of Woodbury.

Highcroft is located adjacent to our Twenty-One Oaks neighborhood, and is scheduled to officially open in Fall 2018 in conjunction with the Parade of Homes℠.

from three exclusive home builders.

Locally owned and operated, these builders know the area and have put together a variety of home options that include both single family homes and villas. The builders include Robert Thomas Homes, Gonyea Homes and Remodeling, and Stonegate Builders.

Highcroft is situated just East of Bailey Lake on 89 acres of land that are platted to be 159 new home lots with a combination of park, lake, and wooded views. Highcroft will offer a variety of floor plan options

MN LIC BC002459

Just south of the river, is another new Tradition development called Reverence. Reverence features 23 of the Twin Cities’ most premier acreage lots ranging from 2.50-5.88 acres in size. These lots opened up last year exclusive to our custom home builder, Homes by Tradition. Reverence’s acreage lots are developed to promote luxury living with a $1M+ home package, association maintained common areas, and individual well and septic. For more information on available lots, visit www.homesofreverence.com

MN LIC BC644819

MN LIC BC723087

For more information visit www.highcroftofwoodbury.com

FUTURE LOTS FUTURE COMMUNITY PARK

EXISTING HOMES

FUTURE LOTS FUTURE LOTS

BAILEY LAKE

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MN LIC BC556362

- Rob St. Sauver | Project Manager - Patrick Wrase | Project Manager

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GONYEA HOMES SINGLE FAMILY LOTS

IRON HORSE ROAD

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STONEGATE BUILDERS SINGLE FAMILY LOTS

METROPOLITAN COUNCIL PROPERTY

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*This site plan is a conceptual drawing and merely an artist’s rendition used solely for illustrative purposes. This site plan may not reflect accurate measurements/alignment and should not be relied upon. Subject to change without notice. See builders for current pricing, features, amenities, and lot availability. Copyright infringement could result in legal prosecution under Federal copyright law.

*This site plan is a conceptual drawing and merely an artist’s rendition used solely for illustrative purposes. This site plan may not reflect accurate measurements/alignment and should not be relied upon. Subject to change without notice. See builders for current pricing, features, amenities, and lot availability. Copyright infringement could result in legal prosecution under Federal copyright law. The Parade of Homes is a service mark of the Builders Association of the Twin Cities and used with permission.

REV. 2/13/18

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TRADITION GOLF: LEGENDS CLUB Our 2018 season is in full swing with our golf course, restaurant and busy events calendar. With the relentless winter sticking around until mid-April, the Legends Club staff was hard at work during the offseason developing new menu items, 2018 golf and event calendars, and planning multiple course renovations.

LIVE MUSIC | ENTERTAINMENT We have a fun and festive outdoor live music event schedule this year to add entertainment options highlighting our terrific outdoor areas. We are focusing our efforts on bringing in quality music acts on a monthly basis, paired with interesting menu options to deliver a unique experience that will cater to everyone.

Upcoming Live Music Events July 20 | Marv Gohman

former member of the popular band Hitchville.

August 24 | Bruce Burniece September 7 | Musician TBD

CORPORATE EVENTS

with RPGs, smokescreens, snipers and more! All proceeds go directly to UHL to keep military kids healthy and active through sports while their parents are serving our nation.

Another great event we hosted was the National Kidney Foundation’s public charity tournament that sends top teams to play in the National Finals in Pebble Beach, CA against other national qualifying teams.

COURSE RENOVATIONS Our grounds crew worked hard to create a fresh aesthetic and functional updates to various areas of the golf course. Our newly renovated 4th hole features fewer trees and a safer cart path, as well as modifications to the hazard on hole #2. You’ll also see new championship tees on holes #2, #14 and #15.

- Marc Olson | Director of Marketing Legends Golf Club

Legends Club is the course of choice for multiple major corporate events.

Best Buy Corporate brought their partners/vendors out for a two-day tournament that we co-hosted with Hazeltine Golf Club to raise money for the Best Buy children’s foundation.

We also hosted the United Heroes League (UHL) Camo Classic, which is a full military takeover of our course

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golf

FOR MORE INFORMATION, CALL (952) 226-4777 OR VISIT WWW.LEGENDSCLUBGC.COM

TRADITION CAPITAL BANK Tradition Capital Bank is excited to announce that our Loan and Deposit Production Office in North Oaks opened as a full service banking location in May. The new location increases our focus on the north and east markets in an area where private banking was previously unavailable.

Our presence in North Oaks offers a convenient location (right off Highway 96 and Village Center Drive) to many of our existing clients.

For more information on Tradition Capital Bank, visit www.tradition.bank

With our two bank locations, we are now within 30 minutes of anyone in the Twin Cities. Our goal for the bank is not only to expand our area of service, but also to be a community destination point for residents and business people of the area. Our way of doing business will extend to North Oaks as we aim to be a solution for individuals and businesses who want more from their bank. We will continue to deliver on our vision, objective, and goal as we are guided by five core values - do the right thing, work hard, one team, give back, and have fun.

- Stephanie Brost | Tradition Capital Bank

Marketing & Customer Experience Representative

North Oaks Office | 100 Village Center Drive, Suite 101 | North Oaks, MN 55127

Member FDIC. Equal Housing Lender.

capital bank

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ENEBAK CONSTRUCTION 2018 AT A GLANCE

It has been a busy 2018 so far for Enebak Construction and doesn’t show signs of slowing down. Despite the prolonged winter, ECC crews are back to work, working across the metro area including projects in Lakeville, Woodbury, Plymouth, and Blaine. A few jobs that ECC is working on this season are:

SPIRIT OF BRANDTJEN FARM | Lakeville, MN SBF Development

There are plans for utilities and streets to be installed in the 19th and 20th Additions of Spirit of Brandtjen Farm later this summer.

The 19th Addition will include 44 single family lots and will be constructed and ready to build on. The 20th Addition will include 62 single family lots that will be developed.

ICE FISHING

While the winter was dragging on, some ECC staff, including office personnel, foremen, and mechanics, snuck away for a weekend at the Tradition Lodge for some ice fishing. It was a nice getaway that ended with a fish fry before heading back to work.

HIGHCROFT | Woodbury, MN Tradition Development

We just finished grading on Tradition’s Highcroft development in Woodbury.

The utility crews are now installing sanitary sewer, watermain, and storm sewer throughout the site. Some of the sewer on the site is more than 30 feet deep, which requires more preparation and equipment. The grading crew is helping the sewer crew increase productivity by sub-cutting and hauling material to backfill pipe that has already been installed.

GLEN VIEW FARM | Woodbury, MN The Excelsior Group

Construction has started on the Glen View Farm development. This project is adjacent to the north of Tradition’s Highcroft project. This project includes 250,000 cubic yards of grading, as well as installing sanitary sewer, watermain, and storm sewer.

In May, a story was mentioned in the local news that involved ECC. Two ECC employees alertly noticed a 5 year old child that had fallen into a pool at a nearby apartment complex. They jumped the fence to the pool area, pulling the young LEGACY AT NORTHSTAR| Lake Elmo, MN boy from the pool and administered GWSA Development CPR. The boy was rushed to the ECC will be starting construction on the hospital by ambulance. The condinew Legacy at Northstar development. This tion of the boy is still unknown.

100 acre site in Lake Elmo will be built into - Andrew Comstock | Assistant Estimator Enebak Construction 269 single family lots and includes nearly a half million cubic yards of excavation.

construction

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EMPLOYEES HELP OUT

ESQUIRE TITLE Esquire Title is thrilled to announce the opening of a new branch in Aitkin, MN. Opening August 2018, this new branch will reach a whole new clientele in the northern Minnesota market. We are excited to be branching outside of the Twin Cities metro area and further build our brand within Minnesota.

NEW LOCATION | AITKIN, MN 204 2ND STREET NW AITKIN, MN 56431

Joining our Esquire Title team and officing out of our new Aitkin location will be Executive Closer, JaNaye Johnson.

10-Year Closing Comparison 2008 | est. 400 transactions 2012 | est. 800 transactions 2017 | est. 1,200 transactions Includes refinances, purchases, junior loans, dual loans, sell sides and O&Es.

RANKED #3 OUT OF 75

BY FIRST AMERICAN IN 2017!

CONGRATS ESQUIRE TEAM! *First American is the underwriting company for Esquire Title.

FOR MORE INFORMATION: visit www.esqmn.com or call (952) 322-8800

Thus far in 2018, approximately 70% of the loans we’ve closed have come directly from our Tradition network (specifically Tradition Mortgage, Tradition Capital Bank and Tradition Construction Capital).

As we head into the second half of 2018, we look forward to continuing to provide consistent, exceptional, efficient, and accurate title services across the state of Minnesota.

- Lynn Stander | Closing Manager Esquire Title

CURRENT OFFICE LOCATIONS WOODBURY 7616 Currell Boulevard, Suite 115 Woodbury, MN 55125

EDINA 7601 France Avenue S, Suite 550 Edina, MN 55435

tit le

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TRADITION PASS IT ON Our Tradition Pass It On initiative has gained traction in the Edina community in 2018 and kept us busy.

We are thrilled to have the opportunity to be part of amazing local events and organizations.

QUINN’S CUP We kicked off the new year with Quinn’s Cup 5th Annual Pond Hockey Tournament. This event honors and celebrates a young boy named Quinn who suffered from Myocarditis.

Quinn’s Cup has raised over $95,000 for the Myocarditis Foundation!

victims and survivors in ways that insurance companies can’t. Their vision for 2020 is to build a state-of-the-art Transitional Care Facility for patients, their families and firefighters to call a temporary home.

JOIN US for their Red Tie Gala fundraiser on October 13, 2018.

EDINA COMMUNITY FOUNDATION We are proud and looking forward to our continued partnership with the Edina Community Foundation.

Incorporated in 1977, the foundation has been creating programs to serve, strengthen, and celebrate the Edina community.

- Brad Johnson | Tradition Wealth Management Erik Hendrikson | Tradition Mortgage Scott Beuning | Tradition Capital Bank

ART OF EDINA

UNITED HEROES LEAGUE In July, we are excited to honor The United Heroes League with a Military Appreciation Night at Braemar Arena in Edina during Da Beauty League. The United Heroes League empowers military families to stay healthy and active by battling the HENDRICKSON FOUNDATION financial burden associated with In February, we sponsored the sports.

Hendrickson Foundation National Hockey Festival.

This foundation makes sure that no hockey player has a barrier between them and the sport they love while facing disabilities or challenges.

Exciting news for our Art of Edina initiative on being voted “2018 Editor’s Pick: Best Creative Idea” in Edina Magazine.

We currently have two galleries on display. Southdale Center showcases 30 pieces of artwork by students from Creek Valley and Highlands Elementary schools. The second gallery is displayed at Braemar Arena. Themed “Enjoy Your Parks,” the gallery is filled with beautiful work from local artists.

Stop by to see these galleries in person! Open to view all summer.

FIREFIGHTERS FOR HEALING

giving back Our spotlight in March recognized Firefighters for Healing. Their mission is to provide support to children, burn

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For more information and photos visit www.Tradition-Pass-It-On.com

Congratulations!

EDITOR’S PICK: Best Creative Idea

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2018 HOPEKIDS 5K/10K EVENT Tradition Companies hosted our 10th Annual HopeK 5K/10K + Kids Fun Run benefitting HopeKids Minnesota on Saturday, June 9th in our Spirit of Brandtjen Farm neighborhood in Lakeville.

We surpassed our goal for this year’s event and raised over $82,000 for HopeKids Minnesota. Since we started the event, we’ve raised over one million dollars to benefit the organization, allowing HopeKids to serve more than 1,100 Minnesota families. The HopeK event includes a 5K/10K Run, HopeWalk, and Kids Fun Run, as well as free family activities and entertainment that include bounce houses, face painting, nerf wars, mascots, princesses, dancing, DJ, saw dust coin dive, fire truck, basketball, playground, balloon animals and much more!

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Thank you for all who came out, volunteered, and/or participated in the event! All proceeds from the event benefit HopeKids Minnesota and give the greatest gift of all HOPE. - Jake Enebak | Chief Executive Officer

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Tradition Companies

HopeKids provides ongoing events and activities for families who have a child with a life-threatening medical condition, such as cancer.

Each month, they schedule a variety of events for the whole family - from sports games to museum visits - to provide a glimmer of hope in often long and difficult medical journeys. All HopeKids events are offered at no cost to the families and focus on the entire family to prevent siblings from being unintentionally overlooked.

For more information on the HopeKids organization, visit www.hopekids.org

PARTNER SPOTLIGHT: WINNESOTA Winnesota is a valued business partner that does business with three Tradition entities. The Tradition family of companies are designed to offer a complete package of financial services - Banking, Mortgage and Wealth Management - dedicated to serving clients for life. Winnesota started doing business with Tradition Capital Bank in 2007 and started working with Tradition Wealth Management and Tradition Mortgage shortly thereafter.

TRADITION WEALTH MANAGEMENT “Tradition is not just focused on building their business, but genuinely helping people and the community.

Brad gave his advice for the future of Winnesota and helped create a plan for future generations.”

-Nick Olsen | Owner, Winnesota

“We prove trust time and time again over the months and years that we service people. We consistently come through with what we say we’re going to do, and Tradition does the same for us (Winnesota),” says Olsen.

TRADITION CAPITAL BANK “Tradition made it easy to propel our business into the future. As a small business, large banks can make you feel like a number, but with Tradition, I always know exactly who I’m working with and can rest easy knowing they will take good care of us.”

-Nick Olsen | Owner, Winnesota

For more information on Winnesota visit www.winnesota.com

ABOUT WINNESOTA Founded in the late 1980’s, Edina Couriers, now known as Winnesota Regional Transportation, was one of the original courier services started in the Twin Cities. Since their start in Edina, their footprint has grown to become a regional service available in Minnesota, Wisconsin, Northern Illinois, Iowa, North Dakota and South Dakota.

TRADITION MORTGAGE “Having done multiple loans and refinances through Tradition, they make the process easy, work to find the best rate, and provide quick and convenient closings.”

-Nick Olsen | Owner, Winnesota

Winnesota is a full service transportation solutions provider with facilities strategically located for fulfillment, warehousing and distribution services. Customer driven in everything they do, Winnesota offers on-demand, scheduled route work, distribution and warehousing, same day and next day refrigerated LTL. Winnesota will continue to better their product offering and locations moving forward.

spot light

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Clients for life.

NMLS #286998

www.traditioncompanies.com