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20B I

PRESIDENTS' FORECAST MESSAGES

BUSINESS JOURNAL NEWS NETWORK I JANUARY 30, 2017

CNYBJ.COM

Local bank. Local decisions. It’s that simple. At Tompkins Trust Company, we make all of our decisions locally. And we have been doing that for over 180 years. Talk to us about commercial lending, business banking, residential mortgages, insurance, or wealth management services.* And see what a difference a local decision can make.

Brian M. Bisaccio Senior Vice President Syracuse Market Leader

Kip Allen Vice President, Commercial Banking Relationship Manager

Sigrid Holben Residential Mortgage Originator NMLS #14258

Jay DeChick Kevin Morrin Account Executive Account Executive Tompkins Insurance Agencies** Tompkins Insurance Agencies**

Michael Zoanetti Vice President Senior Wealth Advisor Tompkins Wealth Advisors*

Locally focused. A world of possibilities.

Ready to serve you at our Lyndon Corners office. 6872 East Genesee St., Fayetteville l 315-446-4030 l www.TompkinsTrust.com Loans subject to credit approval. and to income and other qualifying guidelines. *Wealth management services provided through Tompkins Wealth Advisors. Trust and Estate Services provided through Tompkins Trust Company. *Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC. **Insurance products offered through LPL Financial or its licensed affiliates. LPL Financial is a separate entity from Tompkins Financial Advisors. The insurance and 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 Trust Company, Tompkins Insurance Agencies, Tompkins Financial Advisors and Tompkins Wealth Advisors are not registered broker/dealers and are not affiliated with LPL Financial. PAID CONTENT

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2017 Lookahead/Presidents' Forecast Messages

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