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Circa 2000 I was at my broker and interest rates were high so I was interested in CD's and walked into to the regional bank in the office next door, picked up the annual report, liked what I saw and bought shares in Tompkins Financial Corporation which have beat the S&P 500 and paid good dividends.

As I see it TMP does well by its employees, customers, community, and also treats me very well as a shareholder.

One of my relatives signs off on the books for TMP. She can't tell me anything that she can't tell everyone else, but I've asked her about the question of "what happens if interest rates go up?" and I can say I like what I've been told.



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