GYC Happening$ GYC Happening$ PRSRT STD

U.S. POSTAGEPAID

FOND DU LAC, WIPERMIT 193

New$ for you.

September - October 2020Vol. XXVI No. 5

GYC Happening$ New$ for you. nebat.com | 877-921-7700 | Member FDIC

Because You’ve Earned it.

Meet our TravelersMeet Glen & Karen Stewart from Lomira, a fun-loving couple always bringing a smile to everyone on a tour. Glen & Karen recently joined us on our winter get-away to Huatulco enjoying the sun, wonderful food and fun with our travelers. Other recent tours have included travels to Alaska, the Arlington Horse Races and Mystery tours to name a few. Glen is busy around town with neighborhood friends and community activities. Karen enjoys a good

book or two when not spending time with their three children, four grandchildren and six great-grandchildren. Listen carefully, there is always a great joke or story to share with the Stewarts.

September 7 Labor Day - We are Closed 19 Shred Day

October 6 Flu Shots – Fond du Lac - S. Main Office 8 Flu Shots – Montello Office 8 Payment due for Racine Churches 13 Flu Shots – Elkhart Lake Office 14 Flu Shots – Campbellsport Office 21 Flu Shots – Mt Calvary Office 22 Flu Shots – Waupun Office 31 Halloween

Very Important: 2020 Flu ShotsProtect yourself and make sure you are prepared for this year’s flu season! A copy of your Medicare/Insurance card (front & back) along with a release form is needed prior to receiving your vaccination. A copy of the form can be found on at nebat.com/gyc or we will send you the form upon request. Call 920-906-6865 or email gyc@nebat.com.

Vaccinations will be submitted to Medicare or your HMO only if a copy of your Medicare/Insurance card (front & back) is presented.

Shots are subject to availability; therefore, please watch newspaper and radio announcements for updates or cancellations. Vaccines will be available at the following National Exchange Bank & Trust locations: (Masks are required.)

Fond du Lac - S. Main Tuesday, October 6 9 - 10 a.m.Montello Thursday, October 8 9 - 10 a.m.Elkhart Lake Tuesday, October 13 9 - 10 a.m.Campbellsport Wednesday, October 14 9 - 11 a.m.Mt. Calvary Wednesday, October 21 9 - 10 a.m.Waupun Thursday, October 22 9 - 11 a.m.

$23 standard dose, $53 for high dose vaccine. The high dose vaccine is the preferred product for those 65 and over. According to the CDC, the high-dose flu vaccine is licensed specifically for people 65 years and older. It contains four times the antigen of the standard-dose which is intended to give older people a better immune response, and therefore, better protection against the flu.

Shred DaySaturday, September 19, 8 a.m. – 11 a.m. or until the truck is full National Exchange Bank, 130 S. Main Street, Fond du LacThis is an opportunity to dispose of documents containing confidential, personal information in a secure method at no charge. You are invited to bring in documents to be shredded on-site by Shred-it, a firm specializing in secure shredding and information management solutions. Only paper items will be shredded. Please limit shredding to confidential, non-business items only. All customers will be expected to handle their own shredding and practice social distancing, 6 feet apart from others.

“Autumn is the mellower season, and what we lose in flowers we more than gain in fruits.” ~ Samuel Butler

Catherine Krail Catherine Krail says, “Good friends are life’s greatest treasure.”Catherine met the love of her life, Don, when they were in a community theater production of “Our Town.” They played opposite roles as Emily Webb and George Gibbs. It took Don a little

while before he asked her for their first date to the Military Ball. It wasn’t long until they were married in 1942. Catherine worked at JC Penney’s and at Wiley Smith Optical Clinic. Later she joined her husband at their family business, Krail Jewelry. The drive-up tellers recall Catherine bringing in deposits, sharing stories and treating them at Christmas with a beautiful box of homemade toffee or turtles. “She always had a pleasant smile and made our day.” Catherine shared that life has been good for her with a wonderful childhood, great marriage and lots of good friends.

Caroline Rodewald A wonderful spirited woman with lots of energy is what Deb Geiger from our Howards Grove office shared about Caroline Rodewald. The staff from Howards Grove recalls many of Caroline’s visits to the bank. Her delightful stories and high energy levels made their day. She

always brought her Cavalier King Charles Spaniel along with her. Caroline and her husband, Milton, owned and operated Rodewald Buick dealership in Sheboygan for many years. Caroline was the backbone of the family. She has three children (Ann, Roger and Ronet), one granddaughter (Jennifer) and one “Super Special Great-Grandson” (Peyton). Caroline was a Sunday school teacher, church president and church delegate in New York. She was also a volunteer for Meals on Wheels in Sheboygan until she was well into her 90s.

My 2 ¢ents from Janet Johnson

The Best Is Yet To ComeDon’t miss the revealing of our 2021 Travel Showcase in mid-November. Many new tours are planned with a few of our old favorites

returning.With the many guidelines from the CDC, we will follow the recommended procedures that will be given at the time of the events. Watch for your November newsletter for dates, our plan and more information.

VIRUS FRAUD

The COVID-19 pandemic has provided a new hook for robocall and text scammers,

many specifically targeting older Americans’ concerns about health and finances.

To learn more, visit fcc.gov/coronavirus-scams-targeting-older-americans.

GYC Merchant Discounts

Please thank these businesses for offering discounts to GYC Members:

Columbia County The Crooked Branch Coffeehouse - Pardeeville $1 off an Espresso Drink

Dodge County Simply Thrift – Randolph 10% off purchase

Fond du Lac County Goose Shot – Waupun Free soda with purchase of lunch special or buy one appetizer, get one appetizer ½ price

Sheboygan County Seasons by Design – Chilton $5 off regular priced purchase of $30 or more or receive a complimentary gift with any purchase

Washington County Dunn Brothers Coffee – West Bend $1 off any drink

An updated listing for 2020 is available on our website or at any office.

The year 2020 is turning into the year of the roller coaster in the stock market.

After starting the year at over 3,200, the S&P 500 index fell

over 34% in less than four weeks between February 19 and March 23. Since the March 23 low of 2,237, the index has rebounded an astounding 50% and is back to 3,360 as of August 10.There are several important takeaways and reminders of investment fundamentals based on what has happened in the market this year:1. The future is always unpredictable. The COVID-19 crisis and its impact on the stock market should be the first example in retirement planning handbooks on why it is not useful to predict near-term movements of markets. 2. The stock market is not the economy. It is important to remember that what we call the stock market, such as the S&P 500 index or the Dow Jones Industrial Average, is only a small sub-set of all the businesses in our economy and these well-known indices are skewed towards

the very largest companies in our economy. The performance of these businesses often does not reflect what is happening on Main Street.3. Never underestimate the federal government’s ability to support the markets. Thus far in our nation’s history, our federal government has had an unlimited ability to spend money to provide fiscal stimulus to the economy and has had the ability to fund the spending by issuing an unlimited amount of debt. This unlimited “spend and issue debt” power has bailed the country out of every economic crisis it has faced so far, and it appears to be the case again with the COVID-19 crisis. Whether the federal government’s unlimited spending and debt accumulation will end badly is still a story in the making. What is certain is that the government’s current actions since March have had real and immediate impacts on investors in both the equity and fixed income markets. Tim Van Pelt, Trust Division President Certified Trust & Financial Advisor 920.923.7000 | tvanpelt@nebat.com

The Stock Market is not the Economy

Ask Jim... “When will we travel again?”Jim Chatterton, President & COO Travel Awaits! Coronavirus has put the brakes on tours and dropped the sails on cruising. We are not sure how long before we will be back on the road. Unlike many tour operators who have cancelled tours for the entire year, we are choosing to assess tours each month

based on the destination, the structure of the tours and advice from our partners.

Our number one priority is the safety of our travelers. We are also concerned with the safety of our employees, our motor coach drivers

and the many vendors that we work with. Following the CDC guidelines and watching the status of the locations we are traveling to are also a part of the decision. We want you to receive the full experience that group travel with NEBAT provides and the tour you are expecting – many venues are closed, short-staffed, or limiting the number of participants entering. We have been very fortunate that many of the tours we were unable to do have been rescheduled, with the plan of offering them next year. It’s been a tough time for everyone - we understand you miss your friends, fellowship and good food. We appreciate your patience and understanding. We are going to get through this and when we do, we will be ready to enjoy those wonderful memories and experiences you expect from GYC.Submitted by: I’m Tired of Being Home

Happy 100th Birthday Catherine & Caroline!

Catherine Krail Catherine Krail says, “Good friends are life’s greatest treasure.”Catherine met the love of her life, Don, when they were in a community theater production of “Our Town.” They played opposite roles as Emily Webb and George Gibbs. It took Don a little

while before he asked her for their first date to the Military Ball. It wasn’t long until they were married in 1942. Catherine worked at JC Penney’s and at Wiley Smith Optical Clinic. Later she joined her husband at their family business, Krail Jewelry. The drive-up tellers recall Catherine bringing in deposits, sharing stories and treating them at Christmas with a beautiful box of homemade toffee or turtles. “She always had a pleasant smile and made our day.” Catherine shared that life has been good for her with a wonderful childhood, great marriage and lots of good friends.

Caroline Rodewald A wonderful spirited woman with lots of energy is what Deb Geiger from our Howards Grove office shared about Caroline Rodewald. The staff from Howards Grove recalls many of Caroline’s visits to the bank. Her delightful stories and high energy levels made their day. She

always brought her Cavalier King Charles Spaniel along with her. Caroline and her husband, Milton, owned and operated Rodewald Buick dealership in Sheboygan for many years. Caroline was the backbone of the family. She has three children (Ann, Roger and Ronet), one granddaughter (Jennifer) and one “Super Special Great-Grandson” (Peyton). Caroline was a Sunday school teacher, church president and church delegate in New York. She was also a volunteer for Meals on Wheels in Sheboygan until she was well into her 90s.

My 2 ¢ents from Janet Johnson

The Best Is Yet To ComeDon’t miss the revealing of our 2021 Travel Showcase in mid-November. Many new tours are planned with a few of our old favorites

returning.With the many guidelines from the CDC, we will follow the recommended procedures that will be given at the time of the events. Watch for your November newsletter for dates, our plan and more information.

VIRUS FRAUD

The COVID-19 pandemic has provided a new hook for robocall and text scammers,

many specifically targeting older Americans’ concerns about health and finances.

To learn more, visit fcc.gov/coronavirus-scams-targeting-older-americans.

GYC Merchant Discounts

Please thank these businesses for offering discounts to GYC Members:

Columbia County The Crooked Branch Coffeehouse - Pardeeville $1 off an Espresso Drink

Dodge County Simply Thrift – Randolph 10% off purchase

Fond du Lac County Goose Shot – Waupun Free soda with purchase of lunch special or buy one appetizer, get one appetizer ½ price

Sheboygan County Seasons by Design – Chilton $5 off regular priced purchase of $30 or more or receive a complimentary gift with any purchase

Washington County Dunn Brothers Coffee – West Bend $1 off any drink

An updated listing for 2020 is available on our website or at any office.

The year 2020 is turning into the year of the roller coaster in the stock market.

After starting the year at over 3,200, the S&P 500 index fell

over 34% in less than four weeks between February 19 and March 23. Since the March 23 low of 2,237, the index has rebounded an astounding 50% and is back to 3,360 as of August 10.There are several important takeaways and reminders of investment fundamentals based on what has happened in the market this year:1. The future is always unpredictable. The COVID-19 crisis and its impact on the stock market should be the first example in retirement planning handbooks on why it is not useful to predict near-term movements of markets. 2. The stock market is not the economy. It is important to remember that what we call the stock market, such as the S&P 500 index or the Dow Jones Industrial Average, is only a small sub-set of all the businesses in our economy and these well-known indices are skewed towards

the very largest companies in our economy. The performance of these businesses often does not reflect what is happening on Main Street.3. Never underestimate the federal government’s ability to support the markets. Thus far in our nation’s history, our federal government has had an unlimited ability to spend money to provide fiscal stimulus to the economy and has had the ability to fund the spending by issuing an unlimited amount of debt. This unlimited “spend and issue debt” power has bailed the country out of every economic crisis it has faced so far, and it appears to be the case again with the COVID-19 crisis. Whether the federal government’s unlimited spending and debt accumulation will end badly is still a story in the making. What is certain is that the government’s current actions since March have had real and immediate impacts on investors in both the equity and fixed income markets. Tim Van Pelt, Trust Division President Certified Trust & Financial Advisor 920.923.7000 | tvanpelt@nebat.com

The Stock Market is not the Economy

Ask Jim... “When will we travel again?”Jim Chatterton, President & COO Travel Awaits! Coronavirus has put the brakes on tours and dropped the sails on cruising. We are not sure how long before we will be back on the road. Unlike many tour operators who have cancelled tours for the entire year, we are choosing to assess tours each month

based on the destination, the structure of the tours and advice from our partners.

Our number one priority is the safety of our travelers. We are also concerned with the safety of our employees, our motor coach drivers

and the many vendors that we work with. Following the CDC guidelines and watching the status of the locations we are traveling to are also a part of the decision. We want you to receive the full experience that group travel with NEBAT provides and the tour you are expecting – many venues are closed, short-staffed, or limiting the number of participants entering. We have been very fortunate that many of the tours we were unable to do have been rescheduled, with the plan of offering them next year. It’s been a tough time for everyone - we understand you miss your friends, fellowship and good food. We appreciate your patience and understanding. We are going to get through this and when we do, we will be ready to enjoy those wonderful memories and experiences you expect from GYC.Submitted by: I’m Tired of Being Home

Happy 100th Birthday Catherine & Caroline!

GYC Happening$ GYC Happening$ PRSRT STD

U.S. POSTAGEPAID

FOND DU LAC, WIPERMIT 193

New$ for you.

September - October 2020Vol. XXVI No. 5

GYC Happening$ New$ for you. nebat.com | 877-921-7700 | Member FDIC

Because You’ve Earned it.

Meet our TravelersMeet Glen & Karen Stewart from Lomira, a fun-loving couple always bringing a smile to everyone on a tour. Glen & Karen recently joined us on our winter get-away to Huatulco enjoying the sun, wonderful food and fun with our travelers. Other recent tours have included travels to Alaska, the Arlington Horse Races and Mystery tours to name a few. Glen is busy around town with neighborhood friends and community activities. Karen enjoys a good

book or two when not spending time with their three children, four grandchildren and six great-grandchildren. Listen carefully, there is always a great joke or story to share with the Stewarts.

September 7 Labor Day - We are Closed 19 Shred Day

October 6 Flu Shots – Fond du Lac - S. Main Office 8 Flu Shots – Montello Office 8 Payment due for Racine Churches 13 Flu Shots – Elkhart Lake Office 14 Flu Shots – Campbellsport Office 21 Flu Shots – Mt Calvary Office 22 Flu Shots – Waupun Office 31 Halloween

Very Important: 2020 Flu ShotsProtect yourself and make sure you are prepared for this year’s flu season! A copy of your Medicare/Insurance card (front & back) along with a release form is needed prior to receiving your vaccination. A copy of the form can be found on at nebat.com/gyc or we will send you the form upon request. Call 920-906-6865 or email gyc@nebat.com.

Vaccinations will be submitted to Medicare or your HMO only if a copy of your Medicare/Insurance card (front & back) is presented.

Shots are subject to availability; therefore, please watch newspaper and radio announcements for updates or cancellations. Vaccines will be available at the following National Exchange Bank & Trust locations: (Masks are required.)

Fond du Lac - S. Main Tuesday, October 6 9 - 10 a.m.Montello Thursday, October 8 9 - 10 a.m.Elkhart Lake Tuesday, October 13 9 - 10 a.m.Campbellsport Wednesday, October 14 9 - 11 a.m.Mt. Calvary Wednesday, October 21 9 - 10 a.m.Waupun Thursday, October 22 9 - 11 a.m.

$23 standard dose, $53 for high dose vaccine. The high dose vaccine is the preferred product for those 65 and over. According to the CDC, the high-dose flu vaccine is licensed specifically for people 65 years and older. It contains four times the antigen of the standard-dose which is intended to give older people a better immune response, and therefore, better protection against the flu.

Shred DaySaturday, September 19, 8 a.m. – 11 a.m. or until the truck is full National Exchange Bank, 130 S. Main Street, Fond du LacThis is an opportunity to dispose of documents containing confidential, personal information in a secure method at no charge. You are invited to bring in documents to be shredded on-site by Shred-it, a firm specializing in secure shredding and information management solutions. Only paper items will be shredded. Please limit shredding to confidential, non-business items only. All customers will be expected to handle their own shredding and practice social distancing, 6 feet apart from others.

“Autumn is the mellower season, and what we lose in flowers we more than gain in fruits.” ~ Samuel Butler

GYC Happening$ Travel.

PAYMENT INFORMATION: Please send a per person deposit per trip (with your pick-up location indicated) within 10 days of making your reservation to: National Exchange Bank • PO Box 988 • Fond du Lac, WI 54936-0988.QUESTIONS: Call GYC at (920) 906-6865, contact your local office or email gyc@nebat.com.

Fulfill your travel dreams stress free with GYC!

What our travelers are saying…

You make it possible for someone like me to travel alone without knowing anyone; something I thought I would never do after the death of my husband. Thank you!”

Winter Get-Away February 14-19 | Florida Keys A tropical escape to discover Florida’s unique Island Chain. Join your GYC friends as we journey down the scenic 110-mile Overseas Highway through the narrow islands of Florida’s Keys. We will travel through iconic Key Largo, lush wildlife reserves and marine sanctuaries, romantic beach scenes, tropical forests and one of the longest segmental bridges in the world. We’ll stay in colorful Key West. You will love the street entertainment and artists, heritage, dining opportunities and more. Request a detailed brochure today!Member: $3,225 dbl

American Queen River Cruise April 11 – 25 | Memphis to New Orleans on the Mighty Mississippi The Lower Mississippi River has stories to share. Join us aboard an authentic paddle wheel riverboat, the American Queen. Explore the history and beauty of the bawdy blues and Southern belles. View the breathtaking shoreline scenery and the Antebellum mansions that are especially beautiful in spring. Shore excursions included at every port enhance this tour along with regionally inspired fine dining, an extended night in Memphis and New Orleans and so much more. Request a detailed brochure today!Call or email for a day-by-day brochure and pricing | Payment Due: December 1

Spring TrainingMarch 18 – 22 | Arizona Spring fever? Escape the cold Wisconsin weather and join us for fun in the land of warm weather, blue skies and bright sunshine. Welcome to Phoenix, America’s sunniest metropolis! Visit fascinating museums, be entranced with Sonoran Desert scenery and be enthralled by the local culture. Enjoy delightful days, casual patio dining with friends and the excitement of Milwaukee Brewers’ baseball! Please call for details and a full detailed brochure. Member: $2,845 dbl Payment Due: December 1

Racine Churches Tuesday, November 10 | RacineAn inspirational tour to visit three iconic Racine churches with a docent-leader to learn about the historical context, architecture and traditions of the congregations. Churches dating as far back as the 19th century will reflect Racine’s Danish heritage, Civil War history and progressive roots. Enjoy a wonderful sit-down luncheon as we share fellowship with our GYC travelers. And of course, we must include a stop to satisfy that kringle craving. The historical churches of Racine is a day you will remember. Member: $118 | Payment Due: October 10

Holiday Inn Thursday, December 17 | Ft. AtkinsonThis fun-loving musical features thrilling dance numbers, laugh-out-loud comedy and a parade of hit Irving Berlin songs, including “Blue Skies,” “Steppin’ Out With My Baby,” “White Christmas,” and many more. Enjoy Fireside’s holiday luncheon prior to the afternoon show. Member: $125 | Payment Due: November 10

Nashville Christmas December 7 - 10 | Nashville, TennesseeThe holidays are so special - especially in Nashville. Music City has it all! From delicious food and unique history to exciting nightlife. Our three-night stay is at none other than the premier hotel, the Gaylord Resort. Sit back and enjoy the Oakridge Boys Christmas show as they put you in the holiday mood. Please call for a day-by-day brochure.Member: $2,195 dbl | Payment Due: Sept. 15

Watch your November/ December Newsletter for information on the 2021 Travel Showcase and Tour Schedule.

2021 Travel Showcase

20 21 G

YC T

OU

RS EARLY DEADLINES. SIGN-UP TODAY!

TRAVEL NOTICE: All tours will be assessed each month based on the destination, the activities and advice from our partners. Our number one priority is the safety of our travelers. If you have signed up and paid for a tour, you will be notfied upon cancellation and fully refunded.

GYC Happening$ Travel.

PAYMENT INFORMATION: Please send a per person deposit per trip (with your pick-up location indicated) within 10 days of making your reservation to: National Exchange Bank • PO Box 988 • Fond du Lac, WI 54936-0988.QUESTIONS: Call GYC at (920) 906-6865, contact your local office or email gyc@nebat.com.

Fulfill your travel dreams stress free with GYC!

What our travelers are saying…

You make it possible for someone like me to travel alone without knowing anyone; something I thought I would never do after the death of my husband. Thank you!”

Winter Get-Away February 14-19 | Florida Keys A tropical escape to discover Florida’s unique Island Chain. Join your GYC friends as we journey down the scenic 110-mile Overseas Highway through the narrow islands of Florida’s Keys. We will travel through iconic Key Largo, lush wildlife reserves and marine sanctuaries, romantic beach scenes, tropical forests and one of the longest segmental bridges in the world. We’ll stay in colorful Key West. You will love the street entertainment and artists, heritage, dining opportunities and more. Request a detailed brochure today!Member: $3,225 dbl

American Queen River Cruise April 11 – 25 | Memphis to New Orleans on the Mighty Mississippi The Lower Mississippi River has stories to share. Join us aboard an authentic paddle wheel riverboat, the American Queen. Explore the history and beauty of the bawdy blues and Southern belles. View the breathtaking shoreline scenery and the Antebellum mansions that are especially beautiful in spring. Shore excursions included at every port enhance this tour along with regionally inspired fine dining, an extended night in Memphis and New Orleans and so much more. Request a detailed brochure today!Call or email for a day-by-day brochure and pricing | Payment Due: December 1

Spring TrainingMarch 18 – 22 | Arizona Spring fever? Escape the cold Wisconsin weather and join us for fun in the land of warm weather, blue skies and bright sunshine. Welcome to Phoenix, America’s sunniest metropolis! Visit fascinating museums, be entranced with Sonoran Desert scenery and be enthralled by the local culture. Enjoy delightful days, casual patio dining with friends and the excitement of Milwaukee Brewers’ baseball! Please call for details and a full detailed brochure. Member: $2,845 dbl Payment Due: December 1

Racine Churches Tuesday, November 10 | RacineAn inspirational tour to visit three iconic Racine churches with a docent-leader to learn about the historical context, architecture and traditions of the congregations. Churches dating as far back as the 19th century will reflect Racine’s Danish heritage, Civil War history and progressive roots. Enjoy a wonderful sit-down luncheon as we share fellowship with our GYC travelers. And of course, we must include a stop to satisfy that kringle craving. The historical churches of Racine is a day you will remember. Member: $118 | Payment Due: October 10

Holiday Inn Thursday, December 17 | Ft. AtkinsonThis fun-loving musical features thrilling dance numbers, laugh-out-loud comedy and a parade of hit Irving Berlin songs, including “Blue Skies,” “Steppin’ Out With My Baby,” “White Christmas,” and many more. Enjoy Fireside’s holiday luncheon prior to the afternoon show. Member: $125 | Payment Due: November 10

Nashville Christmas December 7 - 10 | Nashville, TennesseeThe holidays are so special - especially in Nashville. Music City has it all! From delicious food and unique history to exciting nightlife. Our three-night stay is at none other than the premier hotel, the Gaylord Resort. Sit back and enjoy the Oakridge Boys Christmas show as they put you in the holiday mood. Please call for a day-by-day brochure.Member: $2,195 dbl | Payment Due: Sept. 15

Watch your November/ December Newsletter for information on the 2021 Travel Showcase and Tour Schedule.

2021 Travel Showcase

20 21 G

YC T

OU

RS EARLY DEADLINES. SIGN-UP TODAY!

TRAVEL NOTICE: All tours will be assessed each month based on the destination, the activities and advice from our partners. Our number one priority is the safety of our travelers. If you have signed up and paid for a tour, you will be notfied upon cancellation and fully refunded.