A different
kind of pie
fundraiser for
MDA
Tompkins VIST Bank will host its
second annual pie contest to benefit
Muscular Dystrophy.
Chili Event Brings
Warmth to Many
SPRING
2016
On a cold Saturday in January, Tompkins VIST Bank’s Exeter branch
in Reading invited the public and customers to enjoy bowls of hot
chili. There was a catch, however: people had to pay $5 for each
bowl, and the entire amount was donated to a good cause:
Blankets of Hope.
At this event participants will place their
bets on a square in hopes that a cow
will make a “deposit” there. The person
holding the ticket of the “winning”
square receives $500. Tickets can be
purchased for a square at Tompkins VIST
Bank Berks County branches.
Everyone is welcome to stop by and see
the cow, enjoy some food, take a ride on
a Mechanical Bull, and listen to music
provided by a DJ.
Community
Contest
launching on our
Facebook page
You can help decide which
community organizations should
receive $2,000 from Tompkins VIST
Bank through our Community Minute
Challenge. Check out our Facebook
page for details and vote for your
favorite volunteer group.
Paula Barron
Honored by
Girl Scouts
Paula Barron, Tompkins VIST Bank’s
senior vice president of community
banking, was recently awarded
the Girl Scouts’ Take the Lead
recognition.
One ticket can be purchased for $20 and
three tickets for $50.
The Cow Pie Bingo will be held Tuesday,
April 26 (rain date, May 3) from 5:30 pm
to 7:30 p.m. at Classic Harley Davidson,
983 James Drive, Leesport.
TOMPKINS
VIST
BANK
Exeter Branch staff are all smiles at the chili fundraiser.
The non-profit uses the proceeds of its chili fundraisers to purchase new
fleece blankets for organizations such as the Salvation Army, counseling
centers and women’s shelters. To date, Blankets of Hope has provided
more than 7,800 blankets to 34 organizations throughout the region.
The chili was provided by Chef Tim Twiford of the Crowne Plaza Hotel
in Berks County and delivered in crock pots by Marc Goldstein, head of
Blankets of Hope for Berks County. Exeter Branch tellers Nancy Graffius
and Lisa Habel served the chili, assisted by Deb Murphy of the Birdsboro
branch.
“This was our first chili fundraiser, and the customers loved it,” said
Exeter Branch Manager Rosemary Gaul, adding that in just over three
hours, the event raised $505 in chili bowl proceeds and an additional
$150 in cash donations.
“I think the idea warmed people’s hearts as well as their stomachs,”
Rosemary said.
PLEASE SEND US YOUR THOUGHTS ON TOMPKINS VIST BANK’S SERVICES.
Customer Care Center 1-888-238-3330
Tompkins VIST Bank | PO Box 6219 | Wyomissing, PA 19610
[email protected] www.VISTBank.com
Tompkins Financial Advisors 610-372-7737 | Insurance Services 888-601-2611
24-HR Telephone Banking 800-382-8128
Locally focused. A world of possibilities.
4/16
A Bright Penny Helps Transform
Children’s Lives
Tompkins VIST Bank this winter helped support a Berks County youth
organization in an unusual way: by exhibiting a 2007 Harley-Davidson Fat
Boy motorcycle at a number of its branches and inviting viewers to purchase
tickets to win the copper-colored bike. This was no ordinary motorcycle. It was
rebuilt by teenage residents of the Children’s Home of Reading and all ticket sales
went to support the organization.
Given each year
to four of the
area’s most
distinguished
women, the
award recognizes
leadership and
Paula Barron
achievements
that make our community a better
place. Girl Scouts of all ages help
produce the event.
This is one of many recognitions
given to Paula for her leadership and
volunteer efforts. They include serving
as a founding member of the Greater
Reading Chamber’s Women2Women
organization, which she helped grow to
more than 1,500 members. In addition,
she is a member of Berks Encore’s
board of directors and has supported
the United Way through her work on
many committees.
“Paula is a great example of a
community banker who is dedicated
to making our region a better place to
live and work,” said Pamela Shenk, Sr.
Vice President, Residential Mortgage
Lending Manager.
Motorcycle lover Scott Gruber, bank president and CEO, tries Penny while it was on display
in a Tompkins VIST Bank branch.
The restoration project is part of the “Helping With Horsepower” program, an
initiative to involve at-risk youth in the repair and customization of an old motorcycle.
All Children’s Home teenagers helped rebuild the bike under the direction of Charlie
Conrad, owner of Reading Cycles, and his wife, Margaret.
The goal is to teach young people life lessons and technical skills, thereby helping
them build confidence. According to one teen who worked on the bike, that goal was
achieved. In fact, he named the bike “Penny,” after a discarded coin. He said that in
the past he had often felt like such a penny, but after working on the bike and seeing
the results, he thinks he has a chance to rebuild his life.
While Penny was in the branches, $2,100 was raised for the Children’s Home. The
winning ticket will be drawn on May 21. Tickets are still available by visiting the
Children’s Home website at www.childrenshomeofrdg.org.
Tompkins Financial President Elected
Chairman of New York Bankers Association
Steve Romaine, President and Chief Executive Officer of Tompkins Financial
Corporation, was elected by his peers to chair the New York Bankers Association
(NYBA) for the 2016 one-year term.
You are considering investing. You have received an inheritance, saved a substantial sum of money or you are beginning your career
and you understand the importance of planning for your future. Regardless of the reason, you will likely need a financial advisor to
help you develop the right investment strategy.
What do you want to work toward achieving with your
investments? Make a list of your goals. The list might include
purchasing a house, establishing a college fund, starting your
own business and saving for retirement. Try to associate a cost
for each goal. Your financial advisor will be able to help you
with cost projections, too.
“A healthy banking industry is a fundamental component of a healthy economy. NYBA’s primary
mission is to ensure that our industry works collaboratively with government toward our mutual
goal of prosperity for all New Yorkers. Our members care deeply about the well-being of the
communities they serve,” said Steve.
“The members of the New York Bankers Association have elected a strong, experienced leader
in Steve Romaine. We look forward to a busy and productive year with Steve as chairman,” said
Michael P. Smith, NYBA’s President and CEO.
Setting Investment Goals: The Five W’s of Investing
Steve Romaine
Steve was appointed President and Chief Executive Officer of Tompkins Financial Corporation in 2007. From 2003 through
2006, he served as President and Chief Executive Officer of Tompkins Mahopac Bank. Prior to that, he was Executive Vice
President and Chief Financial Officer at Mahopac.
NYBA is comprised of more than 150 community, regional, and money center commercial banks and thrift institutions
operating in New York State. NYBA members have aggregate assets in excess of $10 trillion and more than 200,000
New York employees.
If you haven’t already, activate and start
using your new Debit MasterCard® today!
Follow these five steps now:
1. Call 1-866-392-9952 to activate your new Debit MasterCard.
2. Sign the back of your new Debit MasterCard.
3. Cut up and discard your old Visa debit card.
4. Provide your new card number to any companies that automatically bill your debit card.
5. Continue to use your existing PIN for purchases and ATM access.
Your old card is scheduled to deactivate at midnight on May 1. It is important that you activate your new Debit
MasterCard as soon as possible. So don’t delay.
Through MasterCard you will have access to a variety of new benefits. Some of these benefits include worldwide
acceptance at more than 38 million locations, enhanced security, extended warranty, identity theft resolution
services, 60 day price protection, zero liability and so much more.* With MasterCard, using your debit card just
became even more convenient and secure than ever before.
All new Debit MasterCards are EMV chip enabled, which provides you with the highest level of security available.
All debit card holders have been sent a new card in the mail. This includes personal debit cards, business debit
cards and HSA debit cards. If you are a debit card customer, but have not received your new Debit MasterCard,
call your branch for assistance.
Call 1-866-392-9952 to activate your new card today!
*Certain restrictions apply, See www.mastercard.us/zero-liability and the Guide to Benefits that will be sent with your new
card. MasterCard and the MasterCard brand mark are registered trademarks, used pursuant to a license.
What is the time horizon for each of your goals? Your time
horizon is the length of time you have to actively invest.
Visualize the horizon as an arch and draw it on a piece of
paper. Add your goals and associated costs along the arch.
You might write: purchasing a home near the beginning;
starting a business toward the middle; buying a vacation
property at the three-quarter point; and retirement at the end.
You might also add your current age at the beginning and your
projected retirement age at the end, and the ages when you
wish to achieve other goals along the way. This will help you
visualize your investment life and the time needed to pursue
each goal.
What are your sources of income and how much can you
invest? List your sources of income, household expenses and
other financial obligations, such as college loan payments.
Once you have a picture of your revenue and expenses, and
how much you need for personal cash flow, you can then
determine how much and how often you can realistically
contribute toward your goals.
What is your risk tolerance? Your advisor will plan a strategy
to work toward mitigating loss, but investments fluctuate.
How comfortable are you with the possibility that you could
lose some of your investment principal? Are you prepared over
the long term to ride the ups and downs of the market or are
you risk adverse? Your answer will be directly related to your
goals and time horizon. Your level of tolerance will inform your
advisor’s suggested investment strategy.
What are your liquidity needs? Perhaps you plan to buy
a house in the next few years. Your advisor will suggest
investments that have a high growth potential, and can be
easily liquidated when the purchase is made. If you need
reserves for an emergency, perhaps part of your investment will
go into a money market account or publicly traded stocks that
can also be easily liquidated.
Answering these important questions will take some time, but will be worth the effort. Along with defining your goals, you will have
a clearer picture of your finances, how much you have to invest, your time horizons, risk tolerance and your liquidity needs. All are
important considerations for creating a sound investment strategy. Now it’s time to make an appointment with a financial advisor
from Tompkins Financial Advisors and get started on pursuing your financial goals. Your local branch will make the connection with
an advisor to get your started.
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. The investment products sold through LPL Financial are not insured Tompkins Trust
Company deposits and are not FDIC insured. These products are not obligations of Tompkins Trust Company and are not endorsed, recommended or guaranteed by Tompkins Trust Company or any
government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
Tompkins Bank of Castile, Tompkins Trust Company, Tompkins VIST Bank, Tompkins Mahopac Bank and Tompkins Financial Advisors are not registered broker/dealers and are not affiliated with LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Investing involves risk including loss of principal. No
strategy assures success or protects against loss.
Want to know more about Tompkins Financial? Attend our Shareholders Meeting.
We will conduct meetings for shareholders and other persons interested in learning more about Tompkins Financial
Corporation. An event is planned in each of our regions, and speakers include top officers of the company. We invite you to
attend the meeting in your area. We hope to see you at one of these informative meetings.
Tompkins Financial ~ Annual Shareholder Meeting
May 9 Country Club of Ithaca 5:30 p.m.
Hudson Valley Informational Meeting
May 26 Mt Kisco Country Club 6:00 p.m.
WNY Informational Meeting
May 17 Genesee Country Village & Museum, Mumford
Southeastern Pennsylvania Informational Meeting
May 24 DoubleTree by Hilton, Reading, PA 4:30 p.m.
5:30 p.m.
Tompkins Financial President Elected
Chairman of New York Bankers Association
Steve Romaine, President and Chief Executive Officer of Tompkins Financial
Corporation, was elected by his peers to chair the New York Bankers Association
(NYBA) for the 2016 one-year term.
You are considering investing. You have received an inheritance, saved a substantial sum of money or you are beginning your career
and you understand the importance of planning for your future. Regardless of the reason, you will likely need a financial advisor to
help you develop the right investment strategy.
What do you want to work toward achieving with your
investments? Make a list of your goals. The list might include
purchasing a house, establishing a college fund, starting your
own business and saving for retirement. Try to associate a cost
for each goal. Your financial advisor will be able to help you
with cost projections, too.
“A healthy banking industry is a fundamental component of a healthy economy. NYBA’s primary
mission is to ensure that our industry works collaboratively with government toward our mutual
goal of prosperity for all New Yorkers. Our members care deeply about the well-being of the
communities they serve,” said Steve.
“The members of the New York Bankers Association have elected a strong, experienced leader
in Steve Romaine. We look forward to a busy and productive year with Steve as chairman,” said
Michael P. Smith, NYBA’s President and CEO.
Setting Investment Goals: The Five W’s of Investing
Steve Romaine
Steve was appointed President and Chief Executive Officer of Tompkins Financial Corporation in 2007. From 2003 through
2006, he served as President and Chief Executive Officer of Tompkins Mahopac Bank. Prior to that, he was Executive Vice
President and Chief Financial Officer at Mahopac.
NYBA is comprised of more than 150 community, regional, and money center commercial banks and thrift institutions
operating in New York State. NYBA members have aggregate assets in excess of $10 trillion and more than 200,000
New York employees.
If you haven’t already, activate and start
using your new Debit MasterCard® today!
Follow these five steps now:
1. Call 1-866-392-9952 to activate your new Debit MasterCard.
2. Sign the back of your new Debit MasterCard.
3. Cut up and discard your old Visa debit card.
4. Provide your new card number to any companies that automatically bill your debit card.
5. Continue to use your existing PIN for purchases and ATM access.
Your old card is scheduled to deactivate at midnight on May 1. It is important that you activate your new Debit
MasterCard as soon as possible. So don’t delay.
Through MasterCard you will have access to a variety of new benefits. Some of these benefits include worldwide
acceptance at more than 38 million locations, enhanced security, extended warranty, identity theft resolution
services, 60 day price protection, zero liability and so much more.* With MasterCard, using your debit card just
became even more convenient and secure than ever before.
All new Debit MasterCards are EMV chip enabled, which provides you with the highest level of security available.
All debit card holders have been sent a new card in the mail. This includes personal debit cards, business debit
cards and HSA debit cards. If you are a debit card customer, but have not received your new Debit MasterCard,
call your branch for assistance.
Call 1-866-392-9952 to activate your new card today!
*Certain restrictions apply, See www.mastercard.us/zero-liability and the Guide to Benefits that will be sent with your new
card. MasterCard and the MasterCard brand mark are registered trademarks, used pursuant to a license.
What is the time horizon for each of your goals? Your time
horizon is the length of time you have to actively invest.
Visualize the horizon as an arch and draw it on a piece of
paper. Add your goals and associated costs along the arch.
You might write: purchasing a home near the beginning;
starting a business toward the middle; buying a vacation
property at the three-quarter point; and retirement at the end.
You might also add your current age at the beginning and your
projected retirement age at the end, and the ages when you
wish to achieve other goals along the way. This will help you
visualize your investment life and the time needed to pursue
each goal.
What are your sources of income and how much can you
invest? List your sources of income, household expenses and
other financial obligations, such as college loan payments.
Once you have a picture of your revenue and expenses, and
how much you need for personal cash flow, you can then
determine how much and how often you can realistically
contribute toward your goals.
What is your risk tolerance? Your advisor will plan a strategy
to work toward mitigating loss, but investments fluctuate.
How comfortable are you with the possibility that you could
lose some of your investment principal? Are you prepared over
the long term to ride the ups and downs of the market or are
you risk adverse? Your answer will be directly related to your
goals and time horizon. Your level of tolerance will inform your
advisor’s suggested investment strategy.
What are your liquidity needs? Perhaps you plan to buy
a house in the next few years. Your advisor will suggest
investments that have a high growth potential, and can be
easily liquidated when the purchase is made. If you need
reserves for an emergency, perhaps part of your investment will
go into a money market account or publicly traded stocks that
can also be easily liquidated.
Answering these important questions will take some time, but will be worth the effort. Along with defining your goals, you will have
a clearer picture of your finances, how much you have to invest, your time horizons, risk tolerance and your liquidity needs. All are
important considerations for creating a sound investment strategy. Now it’s time to make an appointment with a financial advisor
from Tompkins Financial Advisors and get started on pursuing your financial goals. Your local branch will make the connection with
an advisor to get your started.
Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. The investment products sold through LPL Financial are not insured Tompkins Trust
Company deposits and are not FDIC insured. These products are not obligations of Tompkins Trust Company and are not endorsed, recommended or guaranteed by Tompkins Trust Company or any
government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.
Tompkins Bank of Castile, Tompkins Trust Company, Tompkins VIST Bank, Tompkins Mahopac Bank and Tompkins Financial Advisors are not registered broker/dealers and are not affiliated with LPL Financial.
The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. Investing involves risk including loss of principal. No
strategy assures success or protects against loss.
Want to know more about Tompkins Financial? Attend our Shareholders Meeting.
We will conduct meetings for shareholders and other persons interested in learning more about Tompkins Financial
Corporation. An event is planned in each of our regions, and speakers include top officers of the company. We invite you to
attend the meeting in your area. We hope to see you at one of these informative meetings.
Tompkins Financial ~ Annual Shareholder Meeting
May 9 Country Club of Ithaca 5:30 p.m.
Hudson Valley Informational Meeting
May 26 Mt Kisco Country Club 6:00 p.m.
WNY Informational Meeting
May 17 Genesee Country Village & Museum, Mumford
Southeastern Pennsylvania Informational Meeting
May 24 DoubleTree by Hilton, Reading, PA 4:30 p.m.
5:30 p.m.
A different
kind of pie
fundraiser for
MDA
Tompkins VIST Bank will host its
second annual pie contest to benefit
Muscular Dystrophy.
Chili Event Brings
Warmth to Many
SPRING
2016
On a cold Saturday in January, Tompkins VIST Bank’s Exeter branch
in Reading invited the public and customers to enjoy bowls of hot
chili. There was a catch, however: people had to pay $5 for each
bowl, and the entire amount was donated to a good cause:
Blankets of Hope.
At this event participants will place their
bets on a square in hopes that a cow
will make a “deposit” there. The person
holding the ticket of the “winning”
square receives $500. Tickets can be
purchased for a square at Tompkins VIST
Bank Berks County branches.
Everyone is welcome to stop by and see
the cow, enjoy some food, take a ride on
a Mechanical Bull, and listen to music
provided by a DJ.
Community
Contest
launching on our
Facebook page
You can help decide which
community organizations should
receive $2,000 from Tompkins VIST
Bank through our Community Minute
Challenge. Check out our Facebook
page for details and vote for your
favorite volunteer group.
Paula Barron
Honored by
Girl Scouts
Paula Barron, Tompkins VIST Bank’s
senior vice president of community
banking, was recently awarded
the Girl Scouts’ Take the Lead
recognition.
One ticket can be purchased for $20 and
three tickets for $50.
The Cow Pie Bingo will be held Tuesday,
April 26 (rain date, May 3) from 5:30 pm
to 7:30 p.m. at Classic Harley Davidson,
983 James Drive, Leesport.
TOMPKINS
VIST
BANK
Exeter Branch staff are all smiles at the chili fundraiser.
The non-profit uses the proceeds of its chili fundraisers to purchase new
fleece blankets for organizations such as the Salvation Army, counseling
centers and women’s shelters. To date, Blankets of Hope has provided
more than 7,800 blankets to 34 organizations throughout the region.
The chili was provided by Chef Tim Twiford of the Crowne Plaza Hotel
in Berks County and delivered in crock pots by Marc Goldstein, head of
Blankets of Hope for Berks County. Exeter Branch tellers Nancy Graffius
and Lisa Habel served the chili, assisted by Deb Murphy of the Birdsboro
branch.
“This was our first chili fundraiser, and the customers loved it,” said
Exeter Branch Manager Rosemary Gaul, adding that in just over three
hours, the event raised $505 in chili bowl proceeds and an additional
$150 in cash donations.
“I think the idea warmed people’s hearts as well as their stomachs,”
Rosemary said.
PLEASE SEND US YOUR THOUGHTS ON TOMPKINS VIST BANK’S SERVICES.
Customer Care Center 1-888-238-3330
Tompkins VIST Bank | PO Box 6219 | Wyomissing, PA 19610
[email protected] www.VISTBank.com
Tompkins Financial Advisors 610-372-7737 | Insurance Services 888-601-2611
24-HR Telephone Banking 800-382-8128
Locally focused. A world of possibilities.
50% Recycled
25% Post consumer waste
4/16
A Bright Penny Helps Transform
Children’s Lives
Tompkins VIST Bank this winter helped support a Berks County youth
organization in an unusual way: by exhibiting a 2007 Harley-Davidson Fat
Boy motorcycle at a number of its branches and inviting viewers to purchase
tickets to win the copper-colored bike. This was no ordinary motorcycle. It was
rebuilt by teenage residents of the Children’s Home of Reading and all ticket sales
went to support the organization.
Given each year
to four of the
area’s most
distinguished
women, the
award recognizes
leadership and
Paula Barron
achievements
that make our community a better
place. Girl Scouts of all ages help
produce the event.
This is one of many recognitions
given to Paula for her leadership and
volunteer efforts. They include serving
as a founding member of the Greater
Reading Chamber’s Women2Women
organization, which she helped grow to
more than 1,500 members. In addition,
she is a member of Berks Encore’s
board of directors and has supported
the United Way through her work on
many committees.
“Paula is a great example of a
community banker who is dedicated
to making our region a better place to
live and work,” said Pamela Shenk, Sr.
Vice President, Residential Mortgage
Lending Manager.
Motorcycle lover Scott Gruber, bank president and CEO, tries Penny while it was on display
in a Tompkins VIST Bank branch.
The restoration project is part of the “Helping With Horsepower” program, an
initiative to involve at-risk youth in the repair and customization of an old motorcycle.
All Children’s Home teenagers helped rebuild the bike under the direction of Charlie
Conrad, owner of Reading Cycles, and his wife, Margaret.
The goal is to teach young people life lessons and technical skills, thereby helping
them build confidence. According to one teen who worked on the bike, that goal was
achieved. In fact, he named the bike “Penny,” after a discarded coin. He said that in
the past he had often felt like such a penny, but after working on the bike and seeing
the results, he thinks he has a chance to rebuild his life.
While Penny was in the branches, $2,100 was raised for the Children’s Home. The
winning ticket will be drawn on May 21. Tickets are still available by visiting the
Children’s Home website at www.childrenshomeofrdg.org.