We`re now on Facebook! - Tompkins Mahopac Bank

Tompkins
Bank Employees Support Local Youth
Mahopac Bank
with FAFSA Application
Maintains 5-Star Tompkins Mahopac Bank is pleased to be an
ongoing supporter of Latino U College Access, a local
Rating
nonprofit focused on helping young Latino students
THANK YOU
FOR HELPING
US CONTINUE
TO ACHIEVE
5-STAR,
SUPERIOR,
STATUS WITH BAUER FINANCIAL,
AN INDEPENDENT RATINGS
FIRM. As your community
bank, we’re pleased to be
recognized for our dedication to
our customers and the highest
ranking for products, services
and financial strength.
achieve their college dreams. In February, Spanishspeaking employees from our various branches
and bank departments provided a helping hand
to students and their families at Latino U’s FAFSA
Bootcamp event.
All students who have been accepted to college
must complete a FAFSA to be considered for
financial aid. The process can be challenging,
especially when English is the second language
for the parents.
“First-generation Latino youth make up a large
portion of our community,” said Gary Solomon,
Sleepy Hollow branch manager. “As their
Gary Solomon, Sleepy Hollow branch
manager, and Shirley Acevedo
Buontempo, Latino U executive director,
at the FAFSA Bootcamp.
community bank, it is important we help them
achieve their college dreams, and we could not
be happier to assist in any way we can.”
To learn more about Latino U College Access
and what the organization does for the
Westchester community,
visit LatinoUCollege.org.
Brewster Branch Supports Local Hockey Team
Hockey has become the sport to watch in Putnam County, and the Brewster Branch is pleased to sponsor the
latest professional hockey team, the Brewster Bulldogs.
“When we heard the news that a professional hockey team
was coming to town, we jumped at the chance to sponsor,”
said Cathy Purdy, Brewster branch manager. “It’s great
to be a part of something fun and exciting for the entire
family.”
TOMPKINS
MAHOPAC
BANK
Loan Officer
Honored for
Community
Commitment
Philip Bronzi, Vice President,
commercial lending, has been
honored as a Forty Under 40 by the
Dutchess County Regional Chamber
of Commerce.
Phil will receive a Shaker Award,
presented annually to 40 people under
the age of 40 who have shown a strong
commitment to
the Hudson Valley.
The awards will be
presented April 28 in
Poughkeepsie.
“Phil has done a
phenomenal job as
a member of our commercial lending
team,” said John Kraus, Senior Vice
President, commercial lending. “His
commitment to the Dutchess County
communities we serve is unmatched,
and we could not be happier that his
achievements have been recognized.”
A group of spectators at Tompkins Mahopac Bank’s Employee Night
Brewster serves as the local headquarters of the bank, and
we’re happy to support organizations in our hometown.
Oops! Kathryn Henkin’s name was listed incorrectly in our last edition of Bank Notes. Kathryn, a senior customer
service representative, was honored for serving 10 years with the bank. We apologize for the error.
PLEASE SEND US YOUR THOUGHTS ON TOMPKINS MAHOPAC BANK’S SERVICES.
Customer Care Center 1-866-462-2658
Tompkins Mahopac Bank | 1441 Route 22 | Brewster, NY 10509
Email [email protected] | www.MahopacBank.com
Tompkins Financial Advisors 914-946-1277
2016
Phil Bronzi
The Brewster branch attended several games during the
season, talking to attendees about the bank and awarding
a pair of tickets to a New York Rangers game.
In late January, the bank hosted a “Tompkins Mahopac
Bank Night” where over 50 employees and their friends
and family attended a game together. “We had so much
fun that evening giving away prizes, talking to guests and
enjoying time with co-workers,” said Cathy.
SPRING
Locally focused. A world of possibilities.
4/16
We’re now on Facebook!
Tompkins Mahopac Bank launches page with exciting
community contest.
We are happy to announce that Tompkins Mahopac Bank is now on social media.
Our Facebook page went live in mid-February, and we’re excited to get the
conversation started. Be sure to stay connected to receive updates about coming
community events and our employees’ involvement with local organizations and
non-profits. Our knowledgeable staff will also provide important information
about a variety of financial topics ranging from tips for first-time home buyers, to
retirement planning and investment strategies.
To celebrate the launch of our Facebook page, Tompkins Mahopac Bank will make
a special gift to our community through a new program called the Community
Minute Challenge. Eighteen local non-profit organizations will tell their story
on our Facebook page throughout 2016. You will be able to see and hear about
the good things they are accomplishing here in our community, then vote for the
organizations you think should receive $2,000 from the bank to assist their work.
More information is posted on the Tompkins Mahopac Bank Facebook page.
Don’t miss out. Like us on Facebook, and stay connected!
Facebook.com/TompkinsMahopacBank.
A member of the Tompkins Mahopac
Bank team since 2014, he has more than
14 years of experience in the industry.
Phil is a board member for Sparrow’s
Nest food pantry, a finance committee
member for the Anderson Center for
Autism, a member of the Dutchess
County Regional Chamber of Commerce
and a co-chair for the Hudson Valley
Young Professionals.
He and his wife, Jennifer, reside in
Hopewell Junction with their 5 children.
A Hudson Valley Girl Scout Troop tours the Wappingers Falls Branch, where they learned
important financial lessons that helped them earn a Financing a Dream badge.
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.
Tompkins
Bank Employees Support Local Youth
Mahopac Bank
with FAFSA Application
Maintains 5-Star Tompkins Mahopac Bank is pleased to be an
ongoing supporter of Latino U College Access, a local
Rating
nonprofit focused on helping young Latino students
THANK YOU
FOR HELPING
US CONTINUE
TO ACHIEVE
5-STAR,
SUPERIOR,
STATUS WITH BAUER FINANCIAL,
AN INDEPENDENT RATINGS
FIRM. As your community
bank, we’re pleased to be
recognized for our dedication to
our customers and the highest
ranking for products, services
and financial strength.
achieve their college dreams. In February, Spanishspeaking employees from our various branches
and bank departments provided a helping hand
to students and their families at Latino U’s FAFSA
Bootcamp event.
All students who have been accepted to college
must complete a FAFSA to be considered for
financial aid. The process can be challenging,
especially when English is the second language
for the parents.
“First-generation Latino youth make up a large
portion of our community,” said Gary Solomon,
Sleepy Hollow branch manager. “As their
Gary Solomon, Sleepy Hollow branch
manager, and Shirley Acevedo
Buontempo, Latino U executive director,
at the FAFSA Bootcamp.
community bank, it is important we help them
achieve their college dreams, and we could not
be happier to assist in any way we can.”
To learn more about Latino U College Access
and what the organization does for the
Westchester community,
visit LatinoUCollege.org.
Brewster Branch Supports Local Hockey Team
Hockey has become the sport to watch in Putnam County, and the Brewster Branch is pleased to sponsor the
latest professional hockey team, the Brewster Bulldogs.
“When we heard the news that a professional hockey team
was coming to town, we jumped at the chance to sponsor,”
said Cathy Purdy, Brewster branch manager. “It’s great
to be a part of something fun and exciting for the entire
family.”
TOMPKINS
MAHOPAC
BANK
Loan Officer
Honored for
Community
Commitment
Philip Bronzi, Vice President,
commercial lending, has been
honored as a Forty Under 40 by the
Dutchess County Regional Chamber
of Commerce.
Phil will receive a Shaker Award,
presented annually to 40 people under
the age of 40 who have shown a strong
commitment to
the Hudson Valley.
The awards will be
presented April 28 in
Poughkeepsie.
“Phil has done a
phenomenal job as
a member of our commercial lending
team,” said John Kraus, Senior Vice
President, commercial lending. “His
commitment to the Dutchess County
communities we serve is unmatched,
and we could not be happier that his
achievements have been recognized.”
A group of spectators at Tompkins Mahopac Bank’s Employee Night
Brewster serves as the local headquarters of the bank, and
we’re happy to support organizations in our hometown.
Oops! Kathryn Henkin’s name was listed incorrectly in our last edition of Bank Notes. Kathryn, a senior customer
service representative, was honored for serving 10 years with the bank. We apologize for the error.
PLEASE SEND US YOUR THOUGHTS ON TOMPKINS MAHOPAC BANK’S SERVICES.
Customer Care Center 1-866-462-2658
Tompkins Mahopac Bank | 1441 Route 22 | Brewster, NY 10509
Email [email protected] | www.MahopacBank.com
Tompkins Financial Advisors 914-946-1277
2016
Phil Bronzi
The Brewster branch attended several games during the
season, talking to attendees about the bank and awarding
a pair of tickets to a New York Rangers game.
In late January, the bank hosted a “Tompkins Mahopac
Bank Night” where over 50 employees and their friends
and family attended a game together. “We had so much
fun that evening giving away prizes, talking to guests and
enjoying time with co-workers,” said Cathy.
SPRING
Locally focused. A world of possibilities.
50% Recycled 4/16
25% Post consumer waste
We’re now on Facebook!
Tompkins Mahopac Bank launches page with exciting
community contest.
We are happy to announce that Tompkins Mahopac Bank is now on social media.
Our Facebook page went live in mid-February, and we’re excited to get the
conversation started. Be sure to stay connected to receive updates about coming
community events and our employees’ involvement with local organizations and
non-profits. Our knowledgeable staff will also provide important information
about a variety of financial topics ranging from tips for first-time home buyers, to
retirement planning and investment strategies.
To celebrate the launch of our Facebook page, Tompkins Mahopac Bank will make
a special gift to our community through a new program called the Community
Minute Challenge. Eighteen local non-profit organizations will tell their story
on our Facebook page throughout 2016. You will be able to see and hear about
the good things they are accomplishing here in our community, then vote for the
organizations you think should receive $2,000 from the bank to assist their work.
More information is posted on the Tompkins Mahopac Bank Facebook page.
Don’t miss out. Like us on Facebook, and stay connected!
Facebook.com/TompkinsMahopacBank.
A member of the Tompkins Mahopac
Bank team since 2014, he has more than
14 years of experience in the industry.
Phil is a board member for Sparrow’s
Nest food pantry, a finance committee
member for the Anderson Center for
Autism, a member of the Dutchess
County Regional Chamber of Commerce
and a co-chair for the Hudson Valley
Young Professionals.
He and his wife, Jennifer, reside in
Hopewell Junction with their 5 children.
A Hudson Valley Girl Scout Troop tours the Wappingers Falls Branch, where they learned
important financial lessons that helped them earn a Financing a Dream badge.