JANUARY 2016 National Bank of Middlebury on the Horizon “Winter is the time for comfort, for good food and warmth, for the touch of a 2016 EVENT PLANNER friendly hand and for a talk Paul Valente Lecture: beside the fire: it is the time Make Your Investments Work for You Jan. 28 for home.” —Edith Sitwell Chicago, the Musical, at It has been a disconcerting winter so far, a Town Hall Theater—SOLD OUT Jan. 31 warm and generally snowless December with Eric Davis Lecture: disturbing national and international events, but The 2016 Presidential Primaries & Caucuses Feb. 3 I take hope and strength from our community. I was reminded of the power of hope from the Third Annual Fittingly Fun at Sun Feb. 27 performance of “Sweet Transition” at our Rescheduled AARP Fraud Fighting Forum March 9 annual Holiday Luncheon on December 9. Spring Beauty Gardens March 15 “Sweet Transition” is an a cappella group from Union High School. Under The Best of the Berkshires April 16 – 7 the direction of Megan LaRose, the group The Magic of Honey Bees May 4 sang their way into our hearts. Watching these Joseph Battell of Middlebury: vibrant young men and women perform so A Memorable Life, a Sad Death May 11 beautifully, I thought, “We are in good hands”. Such is the power of music and hope. With that, Discover Philadelphia & Amish Country May 16 – 20 a very Happy New Year! AARP Smart Driver Class June 15

In this issue, we feature our Participating Discover Vermont’s Geology June 22 Merchant, Round Robin, and celebrate our NHC Friesians of Majesty July 20 member, Susan Davis. We also introduce you to Weston Playhouse Mamma Mia! Aug. 13 our Facilities Manager, Joel Bouvier, who ensures the smooth functioning of all of our offices. Second Annual Middlebury New Filmmakers Festival Aug. 25 – 28 I look forward to seeing you at our next event. Take a Family Walk on the Wild Side— Feel free to call or email me anytime! Adirondack Adventures Sept. 10 – 11 Wonders of Woodstock & the Billings Farm & Museum Sept. 21

Eleanor “Misse” Smith Celebrate the Season at the Fryeburg Fair Oct. 6 – 7 [email protected] • 802-388-1632 Pastoral Walk, Fall Colors & Robert Frost Oct. 22

P.O. Box 189, 30 Main Street, Middlebury, Vermont 05753 • p: 802-388-1632 • f: 802-388-4423 • nbmvt.com LIVING LIFE TO ITS FULLEST From the desk of President Caroline Carpenter Happy New Year! As a new year begins, I think we all refl ect on the importance of both personal and business relationships. On a recent trip to New York City, I was told the story of a real estate transaction, a home purchased by a friend of a relative, that turned out to be a scam. The perpetrators had managed to sell the same piece of real estate several times to unwitting homeowners. In my experience, if we fall victim to a fraudster, it is usually someone we know or someone we think we know (a fraudster posing as a trusted source). The real estate scam reminded me of the importance of relationships and true referrals, not mere digital connections. For a scam like that to happen here in our community there are many layers of trusted sources that would have to be hoodwinked by the supposed home sellers—our local realtors, appraisers, attorneys and, of course, our National Bank of Middlebury lending team. We can never fully prevent falling victim to a well-orchestrated crime, but relying on trusted sources and relationships goes a long way in a business transaction. I imagine that if we race to remove intermediaries from commerce as the trend of “Uberization” implies, to borrow and lend and invest with each other directly, without safeguards, there will come a realization that something in the middle is needed, for the safety of both parties. We, at National Bank of Middlebury already know this to be true, that being your trusted depository and your lender of choice, are charged with keeping your money safe by both the virtue of the integrity of our people and the requirements of our regulations; we are a trusted source. My hope for you is that 2016 will be a happy, prosperous, and healthy year. We look forward to being your partner, your intermediary, your trusted source for your deposit accounts, your loan needs, and your investments.

News from our Main Office Meet Joel Bouvier, our Facilities Manager! Joel has been the Facilities Manager at NBM since November 29, 2005, when the position was created. When he was fi rst hired, NBM had only four offi ces, the Middlebury offi ces on Main Street, Route 7 South, Seymour Street Drive-up, and the offi ce in Bristol. In the ten years that Joel has been here, NBM has opened offi ces in Vergennes, Hinesburg and Brandon. With over 30 years in the construction business, Joel was easily able to oversee NBM’s new construction projects in Hinesburg and on Seymour Street and the renovation of our Brandon and Vergennes offi ces. Joel is a Bristol native and an active community member. He currently lives there with his wife, Starr, and their two daughters, Megan and Tasha. Joel is a member of the Select Board, and a past member of the Bristol Elementary and the Mount Abraham School Boards. Since 1986, Joel has been an active member of the Bristol Fire Department. His most memorable experience with the BFD was on a cold December night in 1995 when a woman in labor and her husband showed up at the fi re house. Joel was able to safely deliver the baby. It was an exciting and joyful moment. Joel’s service to his community mirrors NBM’s commitment to the communities it serves. NHC Cancellation Policy Should it be necessary to cancel before any trip, we request as much notice as possible. A refund of your deposit, in full or in part, will be made if you cancel prior to the final payment date and if:

• There is a waiting list of members and we can fill your vacancy. • There are no cancellation penalties charged by our vendors.

If you cancel after the final payment date, any refund will be determined by the vendors and their penalty policies. If there is not a waiting list, it is your responsibility to resell your tickets. Cancellation insurance is available on all extended trips and is highly recommended for travel.

How to sign up for events Call or stop in at any branch to register, or download the registration form from the NBM website and either mail it to us or drop it off. Visit us online at nbmvt.com Walkability Where and What? Trips are rated by their “walkability,” meaning how Unless otherwise stated: active a trip is, in order to judge your ability to • All motorcoach trips depart from our Route 7 keep up with the group. A sneaker appears in the South Office (National Bank of Middlebury/ trip description. McDonald’s/Hannaford) Indicates very easy, with little incline • All motorcoach trips include bus driver’s tips, Indicates moderate, ability to walk at a guide tips and snacks moderate pace • All lectures take place at NBM’s Main Street, Indicates slightly strenuous, ability to Middlebury location walk quickly for up to 30 minutes • All payments or deposits are due 5 business days Indicates strenuous activity, ability after making your reservation to move quickly over uneven terrain for longer periods of time Make Your WHEN: Thursday, January 28 WHERE: Community Room at National Bank of Investments Middlebury, Main Street, Middlebury, VT (please use rear entrance) Work for You! TIME: 6:30 p.m. Join Paul Valente from Community COST: Free Financial Services Group (CFSG) in discussing, “Investing in Today’s World—Opportunities INCLUDES: Lecture and refreshments & Pitfalls.” Paul will explore today’s global investment RSVP: Call 388-1632 or email Misse at and economic environment. You will learn about what to [email protected] to reserve a spot consider when navigating these waters. WALKABILITY: Paul started with CFSG in June 2014 and is based out of NBM’s Main Office. After graduating from the University Reserve your spot of Vermont in 2007, he joined Fidelity Investments in Boston. From there, he moved to work at Scottrade by January 25. Financial as a broker and branch manager.

The 2016 Presidential Primaries & Caucuses Eric Davis, Professor Emeritus of Political Science at , has scheduled his talk for the week between the Iowa caucuses and the New Hampshire primary. His talk is perfectly placed between the fi rst two events on the 2016 presidential primary and caucus calendar. Will Hillary Rodham Clinton face a serious challenge from Bernie WHEN: Thursday, February 3 Sanders for the Democratic nomination? Which Republican candidates are most likely to emerge from the early states as WHERE: Community Room at National Bank of competitive candidates? How might the campaign develop as Middlebury, Main Street, Middlebury, VT it moves from Iowa and New Hampshire to larger states in (please use rear entrance) March and April? What might be major issues and themes in TIME: 6:30 p.m. the fall general election campaign? Eric will also talk about COST: Free the wide-open governor’s race in Vermont. INCLUDES: Lecture and refreshments Eric Davis is a graduate of Brown and Stanford. He joined the Middlebury College faculty in 1980, and taught at RSVP: Call 388-1632 or email Misse at Middlebury for 28 years before retiring in 2008. Eric taught [email protected] to reserve a spot courses on a wide range of topics in American politics: WALKABILITY: Congress, the presidency, political parties and elections, as well as an introductory American politics course. He writes Reserve your spot a political column for the Addison County Independent, and serves as a political analyst for many news organizations by January 29. around the state. Third Annual Fittingly AARP Fun at Vermont Sun Fraud Fighting Forum Once again, we are offering a day of fun for you and your family at Vermont Sun on Saturday, February 27, from 1:00 p.m. to 4:00 p.m. You can come at any time and do your own work-out or join the group. This special day pass is for you and family members and is intended to let you experience the many fun options for keeping fi t at any age. You will have access to the entire facility, including the opportunity to frolic and swim in the pool. In addition, you Unexpectedly in June we had to cancel this forum. can attend the following special classes: Gentle Yoga at 1:30 We have now rescheduled it for March 9. In Vermont, and/or Aqua Aerobics at 2:15. Any NHC member wishing consumers are losing thousands of dollars every week to join Vermont Sun will be offered the discounted rate to various kinds of consumer fraud. People over 50 are normally reserved for those 60 years of age or older. Come especially vulnerable and account for more than half join the fun and chase those winter blues away! of all victims. Whether it’s bogus investment deals, the “grandparent scam,” email ploys, lottery scams, or the WHEN: Saturday, February 27 newest ID theft scheme; sophisticated con artists are busy WHERE: Vermont Sun Fitness Center at work coming up with new ways to get you to hand over Exchange Street, Middlebury your hard-earned money. It’s important to keep up to date TIME: 1:00 p.m. – 4:00 p.m. on the latest scams and schemes to help protect you and the people you care about. The best prevention is being COST: $5.00 per person (including children) educated on these scammers and their various schemes. INCLUDES: Full use of the facilities including the pool The presentation will provide tips, materials and and warm pool, and two classes, Gentle information on the latest scams and how to protect Yoga at 1:30 and Aqua Aerobics at 2:15. yourself from becoming the next victim. Presenters You may take one or both classes. will outline how people are being targeted, what to look Each class is 30 minutes long. out for, and ways to protect your identity and savings. RSVP: Call 388-1632 or email Misse at [email protected] to reserve a spot WHEN: Wednesday, March 9 WALKABILITY: WHERE: Community Room at National Bank of Middlebury, Main Street, Middlebury Registration and (please use rear entrance) payment by February 19. TIME: 6:30 p.m. COST: Free INCLUDES: Presentation by AARP with time for questions, light refreshments RSVP: Call 388-1632 or email Misse at [email protected] to reserve a spot WALKABILITY: Reserve your spot by March 2. Steve and Shelly Hare, co-owners of Vermont Sun, and their children Spring Beauty: Gardens WHEN: Tuesday, March 15 WHERE: Community Room at National Bank of Okay! It is March, it is cold, but, take heart, spring Middlebury, Main Street, Middlebury officially arrives on March 20. Seed catalogues are (please use rear entrance) arriving daily, giving us hope. To help banish our winter weariness, join us for a slideshow tour of spring gardens. TIME: 6:30 p.m. Guest speaker, Charlotte Albers, will talk about the COST: Free many flowers that herald the season, including specialty INCLUDES: Presentation with time for questions, bulbs, woodland plants that emerge beneath the tree light refreshments canopy, and easy to grow perennials that add color to RSVP: Call 388-1632 or email Misse at beds and borders. Come ready to take notes and get [email protected] to reserve a spot great new ideas to try in your garden this year. WALKABILITY: Charlotte Albers owns Paintbox Garden, a landscape design company based in Shelburne, and writes about gardening in the Northeast for Houzz.com. Visit her Reserve your online at paintboxgarden.com. spot by March 8. “The Best of the Berkshires” INCLUDES: • 1 Night accommodation at the historic Clark Art Institute Williams Inn • 1 Breakfast & • 1 Dinner “Wine & Watercolors” • Docent-led tour at the Clark Art Institute • Guided tour at Ventforth Hall Norman Rockwell • Admission to the Norman Rockwell Museum • Baggage handling for one piece of Museum luggage per traveler From the famed Clark Art Institute to the iconic • Round trip motorcoach transportation Norman Rockwell Museum, sample all that the • Taxes, gratuities, and trip cancellation insurance Berkshires have to offer. Explore the world-renowned (medical reasons only) collection of American and European art at the Clark. WHEN: Saturday, April 16 – Sunday, April 17 Enjoy a glass of wine while taking a painting class at the Norman Rockwell Museum. Enjoy an overnight at WHERE: Williamstown, Massachusetts the historic Williams Inn. Explore the treasures of the DEPARTURE: 8:00 a.m. (please arrive at 7:45 a.m.) Williams College Museum of Art. Complete your trip APPROXIMATE RETURN TIME: 5:00 p.m. with a tour of the Bennington Battle Monument. COST: $502 per person, double occupancy If you are interested in this event and would like $611 per person, single occupancy additional information, please call 388-1632 or email Misse at [email protected] for a RSVP: Call 388-1632 or email Misse at preliminary itinerary. [email protected] to reserve a spot WALKABILITY: Registration and deposit of $285 due January 25. Final payment due by March 11. WHEN: Wednesday, May 4 The Magic of Honey Bees WHERE: Community Room at National Bank of “Unique among all God’s creatures, only the honeybee Middlebury, Main Street, Middlebury improves the environment and preys not on any (please use rear entrance) other species.” —Royden Brown TIME: 6:30 p.m. Join us for an evening of wonder and discovery. Honeybees COST: Free have thrived for 50 million years, each colony consisting of INCLUDES: Presentation by Andrew Munkres with 20,000 to 60,000 individual bees coordinated in amazing time for questions, light refreshments harmony. Andrew Munkres is a Cornwall beekeeper who RSVP: Call 388-1632 or email Misse at produces honey, breeds queen bees, and teaches beekeeping [email protected] to reserve a spot at Green Mountain College. He will introduce us to these gentle, misunderstood creatures and discuss their important WALKABILITY: place in the world. Andrew will discuss bee biology, behavior and explore bee health research. In addition, he will tell us what we can do to support bees and pollinators in general.

Reserve your spot by April 29.

Joseph Battell of Middlebury: A Memorable Life, a Sad Death Joseph Battell, born in Middlebury in 1839, left a grand imprint on the town, county, and state. Farmer, land baron, Bread Loaf Innkeeper, Morgan horse breeder, newspaper publisher, State House gadfly, crusader for causes both noble and lost, Battell was the quintessential lonely man in a crowd. His fascinating life is appraised by author and Middlebury College senior lecturer David Howard Bain. Bain has followed, “The Baron of Bread Loaf” for 35 years and produced a well-illustrated slide lecture for Battell’s death centennial in 2015. Whether you cross the Battell Bridge or the Battell Birthplace (Community House) or slow down to park within view of Battell Block, meet us in the Community Room of NBM for a charming talk about this remarkable man.

WHEN: Wednesday, May 11 WHERE: Community Room at National Bank of Middlebury, Main Street, Middlebury (please use rear entrance) TIME: 6:30 p.m. COST: Free INCLUDES: Presentation by David Howard Bain with time for questions, light refreshments Joseph Battell around 1866 when he opened the Bread Loaf Inn RSVP: Call 388-1632 or email Misse at [email protected] to reserve a spot Reserve your spot by May 6. WALKABILITY: AARP Smart Driver Class

Discover Philadelphia & Amish Country This spring, join us on a fi ve-day motorcoach trip to discover America’s past and the Amish community’s Please join us and participate in AARP’s newly revised present. In Philadelphia, tour the most historic square Smart Driver Class. The summer driving season is mile in the U.S. See the Liberty Bell, Independence Hall, upon us and this is a perfect opportunity to become Betsy Ross House and more! Travel through beautiful a better and more aware driver. The class offers a Amish farmlands in Lancaster County and learn all about review of safe driving practices and provides practical the “simpler life” of the Amish. We’ll even be guests for techniques to deal with changes in vision, hearing, a memorable home-cooked meal right in a real Amish and reaction times. You will receive a certifi cate of home! Meet an artist for the old art of chalk talk. Make completion and you may be eligible for discounts from your own pretzel at America’s fi rst pretzel bakery. Tour your insurance company. There is no driving or testing Hershey where the street lights are shaped like chocolate involved in this class, just valuable information sharing. kisses. Learn about Milton Hershey and the school he When registering, indicate if you are an AARP member created. Visit Chocolate World and see how chocolate and please bring your card to the class. bars are made. Enjoy an outstanding live performance at Sight & Sound’s Millennium Theatre. There will be a lunch break and you should bring your own lunch. A refrigerator is available, if you need it. Hotel stays are one night in Philadelphia and three nights at the lovely Eden Resort in Lancaster. Breakfast WHEN: Wednesday, June 15 is included daily as well as four delicious dinners. Please WHERE: Community Room at National Bank of call 388-1632 or email Misse at [email protected] for Middlebury, Main Street, Middlebury, VT. a day-by-day schedule. (please use Main Street entrance) WHEN: Monday, May 16 – Friday, May 20 TIME: 9:00 a.m. – 2:00 p.m. (please arrive at 8:45 a.m.) WHERE: Philadelphia and Lancaster, Pennsylvania COST: $15.00 for AARP members DEPARTURE: 7:00 a.m. (please arrive at 6:45 a.m.) $20.00 for non-AARP members APPROXIMATE RETURN TIME: 6:00 p.m. INCLUDES: Class and light refreshments COST: $999 per person, double occupancy RSVP: Call 388-1632 or email Misse at $1,299 per person, single occupancy [email protected] to reserve a spot WALKABILITY: WALKABILITY: Reserve your spot now! Deadline for registration Deposit of $200 due now. and payment is June 1. Final payment is due March 4. Discover Vermont’s Geology in Historic Isle La Motte Vermont’s Champlain Islands are abundant in beauty, history and culture. Our first stop is Hero’s Welcome. This century-old country store is overflowing with Vermont-made products, gifts, home goods, and tools. At the Goodsell Fossil Ridge, we will be greeted by a local expert. The 85-acre preserve offers year- round free access to 480 million-year-old fossils from the Chazy Fossil Reef. From there we will visit the historic Fisk Farm, first settled by Ichabod Ebenezer Fisk in 1788. We will enjoy lunch here. The Friesians of Majesty A local expert will walk with us to the Fisk Quarry. Its limestone formations are studied worldwide Come with us and discover one of Southern Vermont’s as part of an ancient reef formation. Our last stop greatest treasures, The Friesians of Majesty, the largest is at Hall Home Place Cidery. Sample varieties of Friesian breeding farm in the US dedicated to the their Ice Cider and leave with a souvenir glass. promotion and development of the Friesian and Friesian crosses as modern sporthorses. INCLUDES: We will have the opportunity to interact with the beautiful, • Visit to Hero’s Welcome majestic horses in a guided tour of the European style barns. • Guided tour at the Goodsell Ridge Preserve We will meet the spectacular stallions, Othello and Mathijs, • Lunch at the Fisk Farm and their babies in the mare/foal barn. Additionally, we will • Tour of the art display at the Fisk Art Barn watch a captivating show as dressage freestyle is exhibited, • Visit to the Fisk Quarry driving is demonstrated, and a beautiful Friesian with her baby runs at liberty, all to inspiring music! • Tour, taste and souvenir glass at the Hall Home Place Cidery Our outing begins with a private luncheon served at • Round trip motorcoach transportation Asta’s Swiss Inn that serves authentic Swiss and European cuisine, served in a charming inn. Our experience will set • Taxes and gratuities the stage for an elegant afternoon. WHEN: Wednesday, June 22 INCLUDES: WHERE: Isle La Motte, Vermont • Private luncheon at the Asta’s Swiss Inn DEPARTURE: 8:00 a.m. (please arrive at 7:45 a.m.) • Guided tour of the Friesians of Majesty Farm APPROXIMATE RETURN TIME: 6:00 p.m. • Ringside tickets to the Friesians of Majesty performance COST: $119.00 • Round trip motorcoach transportation WALKABILITY: • Taxes and gratuities WHEN: Wednesday, July 20 WHERE: Townshend, Vermont DEPARTURE: 10:00 a.m. (please arrive at 9:45 a.m.) Registration APPROXIMATE RETURN TIME: 6:00 p.m. and payment COST: $139.00 due April 1. Registration WALKABILITY: and payment due June 1. Summer Theater at its Best INCLUDES: • Time to shop at The Vermont Country Store Mamma Mia! • Lunch at the Bryant House • Tickets to the 2:00 p.m. performance of Mamma Mia! While we have a date and time, we don’t yet have • Round trip motorcoach transportation the pricing on the tickets. However, sign up now because this trip is always sold out! Join us for our • Taxes and gratuity, including gratuity for the annual trip to Weston to witness the performance motorcoach driver of Mamma Mia! This smash hit musical features a WHEN: Saturday, August 13 mother, a daughter, three possible dads and a trip WHERE: Weston, Vermont down the aisle. It is the ultimate feel-good show. The DEPARTURE: 9:00 a.m. (please arrive at 8:45 a.m.) story-telling magic of ABBA’s timeless songs propels this enchanting tale of love, laughter and friendship. APPROXIMATE RETURN TIME: 6:00 p.m. COST: TBD in February 2016 Registration and payment due May 1. WALKABILITY:

Take the Family for a Walk on the Wild Side an Amazing Adirondack Adventure INCLUDES: • 1 Night at the Mountain Lake Inn • 1 Breakfast • 1 Dinner • Scenic train ride through the Adirondacks • Guided tour of the Garnet Mines • Admission to the Robert Louis Stevenson Cottage • Baggage handling for one piece of luggage per traveler • Round trip motorcoach transportation • Taxes, gratuities and trip cancellation insurance (medical reasons only) WHEN: Saturday, September 10 – Sunday, September 11 WHERE: Saranac Lake, New York and beyond DEPARTURE: 7:00 a.m. (please arrive at 6:45 a.m.) Bring the family to enjoy a weekend of exploration and discovery, including a train ride! NHC members and APPROXIMATE RETURN TIME: 5:30 p.m. their children or grandchildren are welcome to join us COST: $612 per person, double occupancy (appropriate for ages 10 and up). $771 per person, single occupancy At Saratoga Springs, we will board a vintage railcar and WALKABILITY: begin our journey to North Creek, New York. Our resort accommodations are in Saranac Lake. Mining for garnets Registration and deposit will make you feel rich. At the Wild Center, we embark on Wild Walk, a trail across the treetops. Sit in the full-size of $285 due June 10. Final bald eagle’s nest and look across the forest. payment due by August 5. The Wonders of Woodstock/Billings Farm & Museum We will take in Vermont’s brilliant fall foliage INCLUDES: colors and a national park all in one day. The Marsh- • Guided tour of the Marsh-Billings-Rockefeller Mansion Billings-Rockefeller National Historical Park is the • Picnic lunch at Billings Farm and Museum only national park to tell the story of conservation • Guided tour of Billings Farm history and the evolving nature of land stewardship in America. The boyhood home of George Perkins Marsh, • Time to explore the Quilt Exhibit originally built in 1805, this federal-style brick house • Round trip motorcoach transportation remains an excellent example of the Queen Ann style. • Taxes and Gratuities After our tour, we will gather at the Billings Farm for WHEN: Wednesday, September 21, 2016 a picnic lunch. We will take a guided tour of one of WHERE: Woodstock, Vermont the fi nest operating dairy farms in America and have DEPARTURE: 8:30 a.m. (please arrive at 8:15 a.m.) time to tour the annual Quilt Exhibit. APPROXIMATE RETURN TIME: 5:30 p.m. Registration and COST: $119.00 payment due July 18. WALKABILITY:

INCLUDES: • 1 Night accommodation • 1 Breakfast • Admission and coach parking to the Fryeburg Fair • Admission to Castle in the Clouds • Narrated scenic cruise on Squam Lake • Baggage handling for one piece of luggage per traveler • Round trip motorcoach transportation • Taxes and gratuities • Trip cancellation insurance (medical reasons only) WHEN: Thursday, October 6 – Friday, October 7 WHERE: Fryeburg, Maine Celebrate the Season DEPARTURE: 7:00 a.m. (please arrive at 6:45 a.m.) at the Fryeburg Fair APPROXIMATE RETURN TIME: 7:00 p.m. Welcome to the Fryeburg Fair, Maine’s Blue Ribbon COST: $339 per person, double occupancy Classic. In 1851, farmers and merchants gathered in this $422 per person, single occupancy small town to show off their produce, cattle and wares. WALKABILITY: Over 150 years later, the Fryeburg Fair has become the largest agricultural fair in Maine. This 2-day, 1-night package also includes a tour at Castle Deposit of $100 by June 1. in the Clouds, a sixteen-room mountaintop mansion built in 1913/1914 by shoe industrialist, Thomas Plant, Final payment by August 26. and a narrated cruise on Squam Lake, where the 1981 fi lmOn Golden Pond was fi lmed. Pastoral Walk, Fall Colors & Robert Frost Please join John Elder, Middlebury College Professor Emeritus, for a stroll along the Robert Frost Trail in Ripton, focusing on the natural and environmental history of the Vermont forest and its role in Frost’s poetry. The trail is a short (one mile) hike through forest and meadows. Markers identify the different plants and trees. Throughout the trail there are plaques with Frost’s poems. Reading the poems in this beautiful setting brings a freshness and nuance to Frost’s works. John Elder taught English and Environmental Studies at Middlebury College and the Bread Loaf School of English for 37 years, retiring in 2010. His special interests were in American nature writing, English Romanticism, Robert Frost’s poetry, Japan’s haiku tradition, and service learning. John and his wife, Rita, live in Bristol. They operate a sugarbush in Starksboro with their sons and are active in statewide conservation organizations. Playing Irish music together in the evening is a particular pleasure for them.

WHEN: Saturday, October 22 (rain or shine) WHERE: Ripton, Vermont DEPARTURE: 9:30 (please arrive at 9:15 a.m.). Meet at the NBM Route 7 South office to caravan up or meet at the parking area at the Robert Frost Trail at 10:00 a.m. APPROXIMATE RETURN TIME: 12:30 p.m. COST: Free WALKABILITY:

Space is limited. Reserve your spot by October 1. members’ corner: Susan Davis Susan’s family moved to Middlebury in 1956 when she was six years old. While her children and granddaughter, Stella, live in the west, Susan truly feels Vermont is where she belongs. Her fi rst and continuing love is for all things outdoors, whether it is exploring nature with friends and family, boating, biking or skiing. Susan’s work life has taken a meandering route from shaping clay and sculpture to engineering septic systems. Yet her passion for the outdoors has drawn her to her current dual careers. Her fi rst is a sole proprietorship business ‘Creating Your Scene’ in which Susan offers landscape design, consultation, installation and maintenance services. Her second love is her instructor position at the Middlebury College Snow Bowl Snow School. NBM and the NHC have played a strong supportive role in Susan’s life by providing her with fi nancing, as well as, fi nancial advice. Susan appreciates the membership discounts at area businesses. She enjoys the opportunities for growth and understanding through the NHC sponsored seminars and lectures. As a business person, Susan appreciates NBM’s Main Street windows that feature area businesses and non-profi ts. She feels it all speaks to NBM’s sincere commitment to being an active participant in the campaign to “keep it local.” Stella and Susan participating Merchant

ROUND ROBIN UPSCALE RESALE SHOP Round Robin Upscale Resale Shop, opened in 1975, is located along the banks of the Otter Creek in Middlebury’s Marble Works Complex. Round Robin is a resale shop of donated top quality adult clothing and home goods. Porter Medical Center is the sole recipient of all of the proceeds. Round Robin’s goal is to provide Porter Medial Center Auxiliary with funds in support of essential equipment needs and important projects for the hospital complex. Round Robin’s contributions have supported the following:

$250,000 toward construction of the birthing center $125,000 pledge in 2015 for hospital renovations $50,000 for Helen Porter Healthcare & Rehabilitation Center renovations $10,000 annually to support the Lifeline in-home program for subscribers who cannot afford the monthly fee From left to right: Martha Severance, Robin Huestis, $1,000 annually for nursing scholarships for local high school students Peanut (the dog), Jane Steele, Lindsay Hart Round Robin’s success relies on the generosity of their donors and on the time and devotion of their many volunteers. Round Robin’s volunteers cumulatively contribute on average over 600 hours a month. Round Robin welcomes anyone interested in volunteering to please contact them at (802) 388-6396. As a proud Participating Merchant, Round Robin offers NHC members 10% off on all merchandise on Mondays. Get to Know Us: At Community Financial Services Group (CFSG), we relationships over $1 million. Regardless of account size, pride ourselves on being a Vermont-based trust company. our unbiased approach and investment strategies are As an affi liate of National Bank of Middlebury, our tailored to each individual situation. Working face-to-face mission is to improve the well-being of our clients’ with our clients and understanding their needs is the best fi nancial and emotional lives by providing comprehensive pathway to success. fi nancial advice. With all the fi nancial twists and turns Whether you’re an individual looking to plan for that an individual, family or a business can experience, retirement, a non-profi t organization seeking a prudent it’s important to build a long-term relationship with the investment strategy or a business owner who wants to right advisor. We take the time to get to know you and either start or review your company’s retirement plan, we completely understand your needs and goals. are available to help. CFSG is represented in Middlebury and Addison County Contact Paul or Tom for a free consultation at by our team of trust offi cers: Paul Valente and Tom Bright. (877) 334-1677 (toll-free) or locally at (802) 388-4982 Paul and Tom have a combined 38 years of trust and or visit the website at www.cfsgtrust.com. investment experience and both are Certifi ed Trust and Community Financial Services Group, LLC (CFSG) is the trust and Financial Advisors. investment management affi liate of National Bank of Middlebury. CFSG accounts are not obligations of, or guaranteed or insured by any bank or Today, CFSG manages over $500 million for over 1,100 any depository institution, the FDIC, the Federal Reserve Board or any clients located in 26 states and 4 countries. These accounts government agency. Investments are subject to risk, including the possible gain or loss of principal. range from under $100,000 to $25 million, with numerous new Participating Merchants MAE’S PLACE JAFRA INDEPENDENT SKIN CARE & Erynn Doaner COSMETICS CONSULTANT 25 Center Street, Brandon, VT 05733 Brenda Bourdeau 802-465-8468 988 Lower Foote Street, Middlebury, VT 05753 [email protected] 802-388-6535 NHC Benefi t: free coffee with meal purchase [email protected] www.myjafra.com/bbourdeau NHC Benefi t: • New JAFRA customer: 20% off your 1st time JAFRA order. • Early Bird savings: 10% off all purchases, excluding sale items, ordered between the 1st and 15th of the month. Discounts do not apply when using online ordering. PRSRT STD U.S. POSTAGE PAID MIDDLEBURY, VT PERMIT #10

New Horizons Club National Bank of Middlebury P.O. Box 189 30 Main Street Middlebury, VT 05753

Address Service Requested

featured event! Discover Philadelphia & Amish Country May 16 – 20

Deadline for payment and registration is March 4.