Chittenden Bank,  which has proudly served businesses and
individuals statewide for more than 100 years, is a division of
People's United Bank, a federally-chartered savings bank with $20
billion in assets. People's United Bank provides consumer and
commercial banking services through a network of more than 300
branches in Connecticut, Vermont, New Hampshire, Massachusetts,
Maine and New York. Through additional subsidiaries, People’s
United Bank provides equipment financing, asset management,
brokerage and financial advisory services, and insurance services.
For more information, please visit www.chittenden.com or call our
Customer Service Center at 800-545-2236.
Vermont Mortgage Bankers Association

First American Title Insurance Company, the largest subsidiary of
The First American Corporation (NYSE:FAF), traces its history to 1889.  One of the largest
title insurers in the nation, the company offers title services through nearly 1,500 offices
and an extensive network of agents throughout the United States and abroad.  The
company has its headquarters in Santa Ana, California.  www.firstam.com

Vermont Attorneys Title Corporation
We insure the American Dream.  Vermont Attorneys Title Corporation (VATC) is a
bar-related subsidiary of CATIC, the second largest bar-related title insurance company in
the United States.  Relying on its strong and loyal network of agents and members
CATIC has been the #1 title insurer in the Vermont marketplace for years.  Because your
home or business property is a substantial investment and because it does make a
difference who insure your title, be sure to ask your attorney to issue a VATC policy.  
Visit us at www.vermontattorneystitle.com.
Vermont Attorneys Title Corp.
P. O. Box 1101
Burlington,VT  05402-1101
Phone: (802)
862-5913/800-649-3366
Fax: (802) 862-5974
Website: www.vatcweb.com
Contact: Andrew Mikell          
andymikell@catic1.com



VHFA's mission is to finance and promote affordable, safe and decent housing
opportunities for low and moderate-income Vermonters.  www.vhfa.org     VHFA provides
homeownership financing by purchasing loans from 37 participating lenders around the
state. Participating lenders include banks, credit unions and mortgage companies.
Vermont Housing Finance Agency
P. O. Box 408
Burlington,VT  05401
Phone: (802) 652-3427
Fax: (802) 863-5422
Website:  www.vhfa.org
Contact: Erin Navin Perrin      
eperrin@vhfa.org
GOLD SPONSORS
55 Patchen Road  
South Burlington,VT  05403  
Phone: (802) 860-4767  
Fax: (802) 860-2822
Website: www.peetlaw.com  
Contact: Fred Peet        
fpeet@peetlaw.com
Mortgage Guaranty Insurance Corp.
300 Granite St., Ste 404
Braintree,MA  02184
Phone: (800) 343-6384
Fax: 781-356-2852
Website:  www.mgic.com
Contact: Jon Korpela
jon_korpela@mgic.com
Chittenden Bank
150 Bank Street
Burlington, VT  05401
Phone: (802) 660-1583
Website:  www.chittenden.com
Contact: Janet Knutsen, CMP      
  jknutsen@chittenden.com
SILVER SPONSORS
National City Mortgage  
75 Talcott Rd., Ste. 70  
Williston,VT  05495  
Phone: (802) 879-4424 x235  
Fax: (802) 879-9324  
Website: www.nationalcitymortgage.com/vermont   
Contact: Jeff Myers     jeff.myers@ncmc.com
VSECU  
P. O. Box 67  
Montpelier,VT  05601  
Phone: (802) 371-5162  
Fax: (802) 223-8686
Website: www.vsecu.com  
Contact: Kathy Simanskas  ksimanskas@vsecu.com
The Law Offices of Fred V. Peet concentrates its practice on residential
and commercial real estate transactions.  It assists buyers and sellers of real estate as
well as mortgage lenders throughout the State of Vermont.  The firm consists of four
experienced attorneys who combine their knowledge of Vermont real estate law with the
responsiveness and attention to detail that real estate transactions require.  The mission of
the firm is to provide professional legal advise while moving transactions forward in a  
timely and cost effective manner.  The firm performs title searches, closings and related
real estate services throughout the State of Vermont.
First American Title Insurance Co.
P. O. Box 1509
Burlington,VT  05402-1509
Phone: (802)  658-8717
Fax: (802) 658-8779
Website: www.firstam.com
Contact: Harland (Hal) Miller III,
Esq.hmiller@firstam.com
Branch Name: Colchester - Retail
Branch Manager: Marilyn Morin Roberts
Address: 19 Roosevelt Hwy,
Suite 110, Vermont 05446
Phone Number: 802-654-7896
Fax Number: 802-654-7761
Email: mmorinroberts@umc123.com
Branch Name: Newport - Retail
Branch Manager: Paul Chandler
Address: 15 Taylor Street,
Suite 4 Newport, Vermont 05855
Phone Number: 802-334-1999
Fax Number: 802-334-6663
Email: pchandler@umc123.com
Branch Name: Barre - Retail
Branch Manager: Wanda French
Address: 164 S Main St Barre,
Vermont 05641
Phone Number: 802-476-9800
Fax Number: 802-476-5494
Email: wfrench@umc123.com
Branch Manager: Wanda Allaire
Address: 34 Pleasant St,
Unit #3 Morrisville, Vermont 05661
Phone Number: 802-888-2228
Fax Number: 802-888-2249
Email: wallaire@umc123.com
PLATINUM SPONSORS
DIAMOND SPONSORS

Mortgage Guaranty Insurance Corp.  Success doesn't happen by accident. It starts with
a plan. From locating and bringing business in the door to processing, maintaining and
managing it, MGIC is there every step of the way to help you design and develop that plan.
Our Mortgage Officers are experienced, local experts who help members to find
the home loan product that's right for them, under terms that are best suited to
their needs and budget.
Spruce Mortgage is a leader in residential,
second home, investment property
mortgages, and refinancing. We know
Vermont's Champlain Valley and loan
markets thoroughly. We offer low rates,
honest advice, and a quick turnaround.
346 Shelburne Road
Burlington,VT  05401
Phone: (802) 863-8816
Fax: (802) 863-8817
Mortgage Broker
Website: www.sprucemortgage.com
Contact: Gene Richards        
Generichards@generichards3.com
New England Federal Credit Union
141 Harvest Lane
Williston,VT  05495
Phone: (802) 879-8790
Fax: (802) 879-8734
Mortgage Banking
Contact: John Hood    hood@nefcu.com
An Experian Sales Agent

needs to stay ahead in today's business environment. We have time-tested solutions that can:
•        Ensure your customers have an ability to pay
•        Streamline your Consumer or Commercial lending programs
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We provide access to hundreds of information sources that are designed to help you make informed business decisions.
Our data is compiled from real-time sources that include credit reports, court records, consumer data, real-
estate/property information and government records. www.Strategic Information Resources  
155 Brookdale Dr.
Springfield,MA  01104
Phone: (800) 332-9479 x653
Fax: 800-345-3392
Credit Reporting Agencies
Contact: Maureen Devine
mdevine@nextgeninfo.com