Tompkins Financial Corporation Reports 12.3% Increase in Second Quarter Earnings...

Tompkins Financial Corporation Reports 12.3% Increase in Second Quarter Earnings Per Share

ITHACA, N.Y.--(Business Wire)--
Tompkins Financial Corporation (TMP-American Stock Exchange)

Tompkins Financial Corporation reported diluted earnings per share
of $0.73 for the second quarter of 2008, an increase of 12.3% from the
$0.65 per share reported in the second quarter of 2007. Net income was
$7.1 million for the second quarter of 2008, up 11.9% over net income
of $6.4 million reported in the second quarter of 2007.

Stephen S. Romaine, President and CEO stated, "Business results
remained strong for the quarter. Our net interest income reached a
record level for the third consecutive quarter, while noninterest
income improved by 7.0% from the same period last year. Our superior
performance has recently been recognized by several publications,
which have included: Tompkins Financial being recognized by the Staton
Institute(R) in its 2009 Edition of America's Finest Companies(R),
Tompkins Trust Company being recognized as a Top Performer in the June
2008 issue of Independent Banker(TM), Tompkins Insurance Agencies
being recognized by the Bank Insurance Market Research Group in its
2007 edition of Who's Who in Bank Insurance(R); and AM&M Financial
being recognized as a Top Dog in the July/August issue of Wealth
Manager Magazine. It is a pleasure to see our superior performance
recognized in these publications, which stands in contrast to so many
reports coming from our industry."

For the first six months of 2008, diluted earnings per share of
$1.50 reflect an increase of 22.0% from the $1.23 per share reported
in the same period of 2007. Net income was $14.6 million for the first
half of 2008, up 20.5% over net income of $12.1 million for the same
period in 2007. The year-to-date results benefited from the proceeds
received from the Company's allocation of the Visa, Inc. initial
public offering (the Visa IPO) in the first quarter of 2008. First
quarter 2008 results include $1.6 million of pre-tax other income
related to the Visa IPO. Diluted earnings per share for the first half
of 2008 would have still shown a 13.8% increase over 2007, if results
were adjusted for the impact of revenue related to the Visa IPO. See
Summary Financial Data for a reconciliation of the amounts.

Total assets were $2.7 billion at June 30, 2008, up $444.1 million
or 19.6% from June 30, 2007. Total loans were $1.7 billion at June 30,
2008, representing a 21.4% increase from the prior year. Total
deposits at June 30, 2008, were $2.1 billion, up 21.1% from June 30,
2007.

The growth comparisons to prior periods were impacted by the May
9, 2008, acquisition of Sleepy Hollow Bancorp. Immediately following
the acquisition, the Sleepy Hollow Bank was successfully merged into
our Mahopac National Bank subsidiary. Total assets acquired from
Sleepy Hollow totaled $269.2 million, and included $151.2 million in
loans, $46.9 million in securities, and resulted in $18.3 million of
goodwill. Total deposits in Sleepy Hollow Bank's five Westchester
County, NY Branches were $229.0 million at the time of the
acquisition. The total impact of the Sleepy Hollow transaction on the
Company's net income for the period was immaterial.

Mr. Romaine commented, "It is extremely encouraging that asset
quality trends remain strong while achieving solid growth in our loan
portfolio. As might be expected in the current economic climate, we
have seen a modest increase in net-charge-offs and nonperforming
assets. Nevertheless, our ratios for net charge-offs and nonperforming
assets continue to compare favorably to our peers." Annualized net
charge-offs for the first six months of the year represented 0.14% of
average loans (up from 0.10% for the first half of June 2007), which
compares to a peer ratio of 0.21% according to the most recent data
available from the Federal Reserve Board. Nonperforming assets
represented 0.47% of total assets as of June 30, 2008 (up from 0.39%
at June 30, 2007), which compares to a Federal Reserve peer ratio of
1.26%. Mr. Romaine added, "As a result of our disciplined
underwriting, we have avoided exposure to sub-prime loans, while the
combined nonperforming loan balances in our construction and home
equity lending portfolios represents less than 0.03% of total loans."

The Company's securities portfolio totaled $840.0 million at June
30, 2008, compared to $714.8 million at June 30, 2007. The portfolio
is comprised primarily of mortgage-backed securities, obligations U.S.
Government sponsored agencies, and obligations of states and political
subdivisions. The Company has no investments in preferred stock of
U.S. Government sponsored agencies, no investments in pools of Trust
Preferred securities, and no securities where management has deemed
impairment to be other than temporary. The after-tax unrealized loss
on the available-for-sale securities was $4.2 million at June 30,
2008, compared to $6.7 million at June 30, 2007.

Balance sheet growth contributed to improved net interest income
in 2008, for both the second quarter and year to date. Net interest
income of $21.9 million in the second quarter was up 18.5% over the
same period in 2007. For the year to date period, net interest income
was $41.7 million, up 15.8% from the same period last year. Net
interest income also benefited from an improved net interest margin,
which was 3.77% in the second quarter of 2008, compared to 3.66% in
the second quarter of 2007. For the first six months of 2008, the net
interest margin was 3.73%, compared to 3.61% for the first six months
of 2007.

Noninterest income for the second quarter of 2008 was $11.6
million, up 7.0% from the same period in 2007. Quarterly for results
for June 2008 included $219,000 in net mark-to-market gain on
securities and liabilities carried at fair value, compared to a net
mark-to-market loss of $600,000 for the second quarter of 2007. For
the year to date period, non-interest income was $24.1 million, up
13.3% from the six months ended June 30, 2007. Improvement during the
first six months of 2008 benefited from the $1.6 million in pre-tax
gains related to the previously mentioned Visa IPO. Key fee income
categories showed growth over the first six months of 2007 with
investment services income up 3.3%; insurance revenues up 3.5%; and
service charges on deposit accounts up 5.6%.

Noninterest expenses for the second quarter of 2008 were $21.8
million, up 10.6% from the same period last year. For the year to date
period, noninterest expenses were $42.1 million in 2008, an increase
of 8.7% from the same period in 2007. The increase in both the current
quarter and year to date periods is largely in the salary and wages
and occupancy expense categories. These expenses were directly
impacted by the Sleepy Hollow acquisition with the addition of five
staffed branches. For comparison purposes, growth in noninterest
expense during the first quarter of 2008 (which did not include Sleepy
Hollow Branches) was 6.7% over the prior year.

Tompkins Financial Corporation operates 45 banking offices in the
New York State markets served by the Company's subsidiary banks -
Tompkins Trust Company, The Bank of Castile, and Mahopac National
Bank. Through its community banking subsidiaries, the Company provides
traditional banking services, and offers a full range of money
management services through Tompkins Investment Services (a division
of Tompkins Trust Company). The Company offers insurance services
through its Tompkins Insurance Agencies, Inc. subsidiary, an
independent agency serving individuals and business clients throughout
New York State. The Company offers fee-based financial planning and
wealth management services through its AM&M Financial Services, Inc.
subsidiary. AM&M Financial Services, Inc. is also the parent Company
to Ensemble Financial Services, Inc., an independent broker dealer and
leading outsourcing company for financial planners and investment
advisors. Each Tompkins subsidiary operates with a community focus,
meeting the unique needs of the communities served.

"Safe Harbor" Statement under the Private Securities Litigation
Reform of 1995:

This press release may include forward-looking statements with
respect to revenue sources, growth, market risk, and corporate
objectives. The Company assumes no duty, and specifically disclaims
any obligation, to update forward-looking statements, and cautions
that these statements are subject to numerous assumptions, risk, and
uncertainties, all of which could change over time. Actual results
could differ materially from forward-looking statements.

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Tompkins Financial Corporation - Condensed Consolidated Statements of
Condition (Unaudited)

(In thousands, except share data)
As of As of
ASSETS 06/30/2008 12/31/2007
------------ -----------

Cash and noninterest bearing balances due from
banks $ 51,028 $ 46,705
Interest bearing balances due from banks 3,910 3,154
Federal funds sold 172 0
Trading securities, at fair value 40,085 60,135
Available-for-sale securities, at fair value 751,030 639,148
Held-to-maturity securities, fair value of
$49,523 at June 30, 2008, and $50,297 at
December 31, 2007 48,861 49,593
Loans and leases, net of unearned income and
deferred costs and fees 1,652,831 1,440,122
Less: Allowance for loan/lease losses 16,835 14,607
----------------------------------------------------------------------
Net Loans and Leases 1,635,996 1,425,515

Bank premises and equipment, net 47,687 44,811
Corporate owned life insurance 34,001 29,821
Goodwill 41,437 22,894
Other intangible assets 5,610 3,497
Accrued interest and other assets 45,379 34,186
----------------------------------------------------------------------
Total Assets $ 2,705,196 $ 2,359,459
----------------------------------------------------------------------

LIABILITIES, MINORITY INTEREST IN CONSOLIDATED
SUBSIDIARIES AND SHAREHOLDERS' EQUITY
Deposits:
Interest bearing:
Checking, savings and money market $ 923,704 $ 741,836
Time 691,485 585,142
Noninterest bearing 442,055 393,848
----------------------------------------------------------------------
Total Deposits 2,057,244 1,720,826

Federal funds purchased and securities sold
under agreements to repurchase (Valued at
fair value: $15,560 at June 30, 2008, and
$15,553 at December 31, 2007. 203,687 195,447
Other borrowings (Valued at fair value:
$10,747 at June 30, 2008 and $10,795 at
December 31, 2007. 192,638 210,862
Other liabilities 42,290 33,677
----------------------------------------------------------------------
Total Liabilities $ 2,495,859 $ 2,160,812
----------------------------------------------------------------------

Minority interest in consolidated subsidiaries 6,042 1,452

Shareholders' equity:
Common stock - par value $.10 per share:
Authorized 15,000,000 shares; Issued:
9,695,193 at June 30, 2008; and
9,615,430 at December 31, 2007. 970 962
Additional paid-in capital 151,318 147,657
Retained earnings 65,151 57,255
Accumulated other comprehensive loss (12,212) (6,900)
Treasury stock, at cost, 73,408 shares at
June 30, 2008, and 70,896 shares at
December 31, 2007. (1,932) (1,779)

----------------------------------------------------------------------
Total Shareholders' Equity $ 203,295 $ 197,195
----------------------------------------------------------------------

Total Liabilities, Minority Interest in
Consolidated Subsidiaries And Shareholders'
Equity $ 2,705,196 $ 2,359,459
----------------------------------------------------------------------
*T

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Tompkins Financial Corporation - Condensed Consolidated Statements of
Income (Unaudited)

(In thousands, except per Three months ended Six months ended
share data)
06/30/2008 06/30/2007 06/30/2008 06/30/2007
---------- ---------- ---------- ----------
INTEREST AND DIVIDEND
INCOME
Loans $25,065 $24,298 $49,478 $47,697
Balances due from banks 27 59 104 154
Federal funds sold 55 107 75 203
Trading securities 467 607 1,093 1,176
Available-for-sale
securities 8,473 7,548 16,554 14,792
Held-to-maturity securities 459 527 934 1,063
----------------------------------------------------------------------
Total Interest and Dividend
Income 34,546 33,146 68,238 65,085
----------------------------------------------------------------------

INTEREST EXPENSE
Deposits:
Time certificates of
deposits of $100,000
or more 2,285 4,125 5,081 8,544
Other deposits 6,394 7,696 13,556 15,123
Federal funds purchased and
securities sold under
agreements to repurchase 1,986 2,037 4,022 4,000
Other borrowings 1,971 798 3,836 1,366
----------------------------------------------------------------------
Total Interest Expense 12,636 14,656 26,495 29,033
----------------------------------------------------------------------
Net Interest Income 21,910 18,490 41,743 36,052
----------------------------------------------------------------------
Less: Provision for
loan/lease losses 1,183 192 1,808 663
----------------------------------------------------------------------
Net Interest Income After
Provision for Loan/Lease
Losses 20,727 18,298 39,935 35,389
----------------------------------------------------------------------

NONINTEREST INCOME
Investment services income 3,568 3,538 7,237 7,008
Insurance commissions and
fees 2,936 2,814 5,726 5,530
Service charges on deposit
accounts 2,467 2,805 4,992 4,728
Card services income 979 905 1,781 1,702
Other service charges 575 639 1,196 1,298
Mark-to-market loss on
trading securities (670) (577) (375) (125)
Mark-to-market gain (loss)
on liabilities held at
fair value 889 (23) 41 (23)
Increase in cash surrender
value of corporate owned
life insurance 352 283 689 556
Gains on sale of loans 44 42 41 97
Other income 254 392 2,335 469
Net realized gain (loss) on
available-for-sale
securities 159 (17) 406 6
----------------------------------------------------------------------
Total Noninterest Income 11,553 10,801 24,069 21,246
----------------------------------------------------------------------

NONINTEREST EXPENSES
Salary and wages 9,787 8,770 19,157 17,572
Pension and other employee
benefits 2,484 2,611 5,179 5,114
Net occupancy expense of
bank premises 1,747 1,543 3,367 3,048
Furniture and fixture
expense 1,153 999 2,077 1,946
Marketing expense 876 544 1,438 1,180
Professional fees 738 910 1,366 1,560
Software licenses and
maintenance 780 503 1,388 1,003
Cardholder expense 197 256 491 491
Amortization of intangible
assets 214 162 362 343
Other operating expense 3,782 3,376 7,314 6,515
----------------------------------------------------------------------
Total Noninterest Expenses 21,758 19,674 42,139 38,772
----------------------------------------------------------------------
Income Before Income Tax
Expense and Minority
Interest in Consolidated
Subsidiaries 10,522 9,425 21,865 17,863
----------------------------------------------------------------------
Minority interest in
consolidated subsidiaries 115 33 147 65
Income Tax Expense 3,288 3,031 7,091 5,657
----------------------------------------------------------------------
Net Income $7,119 $6,361 $14,627 $12,141
----------------------------------------------------------------------
Basic Earnings Per Share $0.74 $0.65 $1.52 $1.24
----------------------------------------------------------------------
Diluted Earnings Per Share $0.73 $0.65 $1.50 $1.23
----------------------------------------------------------------------
*T

Tompkins Financial Corporation - Summary Financial Data
(Unaudited)

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(In thousands, except per Quarter-Ended
share data)
---------------------------------------------
June-08 Mar-08 Dec-07 Sept-07
---------------------------------------------

Period End Balance Sheet
----------------------------------------------------------------------
Securities $839,976 $811,627 $748,876 $751,242
----------------------------------------------------------------------
Loans and leases, net of
unearned income and
deferred costs and fees 1,652,831 1,455,570 1,440,122 1,383,928
----------------------------------------------------------------------
Allowance for loan/lease
losses 16,835 14,781 14,607 14,410
----------------------------------------------------------------------
Total assets 2,705,196 2,450,413 2,359,459 2,316,862
----------------------------------------------------------------------

----------------------------------------------------------------------
Total deposits 2,057,244 1,841,045 1,720,826 1,725,728
----------------------------------------------------------------------
Federal funds purchased
and securities sold
under agreements to
repurchase 203,687 210,079 195,447 196,085
----------------------------------------------------------------------
Other borrowings 192,638 156,439 210,862 148,213
----------------------------------------------------------------------
Shareholders' Equity 203,295 209,688 197,195 189,808
----------------------------------------------------------------------

Average Balance Sheet
----------------------------------------------------------------------
Average earning assets $2,408,901 $2,233,023 $2,154,891 $2,097,965
----------------------------------------------------------------------
Average assets 2,602,914 2,405,040 2,318,558 2,259,801
----------------------------------------------------------------------
Average interest-bearing
liabilities 1,953,254 1,796,953 1,717,843 1,674,654
----------------------------------------------------------------------
Average equity 209,403 202,195 191,221 185,384
----------------------------------------------------------------------

Share data
----------------------------------------------------------------------
Weighted average shares
outstanding (basic) 9,650,917 9,602,478 9,560,649 9,627,356
----------------------------------------------------------------------
Weighted average shares
outstanding (diluted) 9,747,914 9,696,550 9,657,751 9,699,091
----------------------------------------------------------------------
Period-end shares
outstanding 9,662,547 9,629,693 9,582,783 9,580,034
----------------------------------------------------------------------
Book value per share $21.04 $21.78 $20.58 $19.81
----------------------------------------------------------------------

Income Statement
----------------------------------------------------------------------
Net interest income $21,910 $19,833 $19,473 $18,503
----------------------------------------------------------------------
Provision for loan/lease
losses 1,183 625 479 387
----------------------------------------------------------------------
Noninterest income 11,553 12,516 11,221 11,584
----------------------------------------------------------------------
Noninterest expense 21,758 20,381 19,588 19,699
----------------------------------------------------------------------
Minority interest in
consolidated
subsidiaries 115 33 32 33
----------------------------------------------------------------------
Income tax expense 3,288 3,802 3,171 3,163
----------------------------------------------------------------------
Net income 7,119 7,508 7,424 6,805
----------------------------------------------------------------------
Basic earnings per share $0.74 $0.78 $0.78 $0.71
----------------------------------------------------------------------
Diluted earnings per
share $0.73 $0.77 $0.77 $0.70
----------------------------------------------------------------------

Asset Quality
----------------------------------------------------------------------
Net charge-offs $615 $451 $282 $334
----------------------------------------------------------------------
Nonaccrual loans and
leases 10,552 9,008 8,890 7,869
----------------------------------------------------------------------
Loans and leases 90
days past due and
accruing 1,422 53 312 370
----------------------------------------------------------------------
Troubled debt
restructurings not
included above 135 139 145 150
----------------------------------------------------------------------
Total nonperforming loans
and leases 12,109 9,200 9,347 8,239
----------------------------------------------------------------------
OREO 481 5 5 345
----------------------------------------------------------------------
Nonperforming assets 12,590 9,205 9,352 8,584
----------------------------------------------------------------------

(In thousands, except per share data) Quarter-Ended Year-Ended
------------------------
June-07 Dec-07
------------------------

Period End Balance Sheet
----------------------------------------------------------------------
Securities $714,760 $748,876
----------------------------------------------------------------------
Loans and leases, net of unearned income and
deferred costs and fees 1,361,415 1,440,122
----------------------------------------------------------------------
Allowance for loan/lease losses 14,357 14,607
----------------------------------------------------------------------
Total assets 2,261,057 2,359,459
----------------------------------------------------------------------

----------------------------------------------------------------------
Total deposits 1,698,143 1,720,826
----------------------------------------------------------------------
Federal funds purchased and securities sold
under agreements to repurchase 188,939 195,447
----------------------------------------------------------------------
Other borrowings 156,214 210,862
----------------------------------------------------------------------
Shareholders' Equity 185,049 197,195
----------------------------------------------------------------------

Average Balance Sheet
----------------------------------------------------------------------
Average earning assets $2,092,773 $2,105,581
----------------------------------------------------------------------
Average assets 2,251,474 2,266,224
----------------------------------------------------------------------
Average interest-bearing liabilities 1,681,831 1,686,559
----------------------------------------------------------------------
Average equity 188,399 188,482
----------------------------------------------------------------------

Share data
----------------------------------------------------------------------
Weighted average shares outstanding (basic) 9,756,118 9,696,724
----------------------------------------------------------------------
Weighted average shares outstanding (diluted) 9,823,184 9,781,789
----------------------------------------------------------------------
Period-end shares outstanding 9,673,858 9,582,783
----------------------------------------------------------------------
Book value per share $19.13 $20.58
----------------------------------------------------------------------

Income Statement
----------------------------------------------------------------------
Net interest income $18,490 $74,029
----------------------------------------------------------------------
Provision for loan/lease losses 192 1,529
----------------------------------------------------------------------
Noninterest income 10,801 44,049
----------------------------------------------------------------------
Noninterest expense 19,674 78,056
----------------------------------------------------------------------
Minority interest in consolidated subsidiaries 33 131
----------------------------------------------------------------------
Income tax expense 3,031 11,991
----------------------------------------------------------------------
Net income 6,361 26,371
----------------------------------------------------------------------
Basic earnings per share $0.65 $2.72
----------------------------------------------------------------------
Diluted earnings per share $0.65 $2.70
----------------------------------------------------------------------

Asset Quality
----------------------------------------------------------------------
Net charge-offs $358 $1,250
----------------------------------------------------------------------
Nonaccrual loans and leases 8,474 8,890
----------------------------------------------------------------------
Loans and leases 90 days past due and
accruing 2 312
----------------------------------------------------------------------
Troubled debt restructurings not included
above 0 145
----------------------------------------------------------------------
Total nonperforming loans and leases 8,476 9,347
----------------------------------------------------------------------
OREO 362 5
----------------------------------------------------------------------
Nonperforming assets 8,838 9,352
----------------------------------------------------------------------
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Tompkins Financial Corporation - Summary Financial Data (Unaudited)

Year-
Quarter-Ended Ended
-----------------------------------------------
June-08 Mar-08 Dec-07 Sept-07 June-07 Dec-07
-----------------------------------------------
Credit Quality
----------------------------------------------------------------------
Net loan and lease
losses/ average loans
and leases * 0.16% 0.13% 0.08% 0.10% 0.11% 0.09%
----------------------------------------------------------------------
Nonperforming loans and
leases/loans and
leases 0.73% 0.63% 0.65% 0.60% 0.62% 0.65%
----------------------------------------------------------------------
Nonperforming
assets/assets 0.47% 0.38% 0.40% 0.37% 0.39% 0.40%
----------------------------------------------------------------------
Allowance/nonperforming
loans and leases 139.03% 160.67% 156.27% 174.90% 169.38% 156.27%
----------------------------------------------------------------------
Allowance/loans and
leases 1.02% 1.02% 1.01% 1.04% 1.05% 1.01%
----------------------------------------------------------------------

Capital Adequacy
(period-end)
----------------------------------------------------------------------
Tier I capital /
average assets 7.1% 7.9% 7.9% 7.9% 7.9% 7.9%
----------------------------------------------------------------------
Total capital / risk-
weighted assets 11.1% 12.4% 12.2% 12.4% 12.6% 12.2%
----------------------------------------------------------------------

Profitability
----------------------------------------------------------------------
Return on average
assets * 1.10% 1.26% 1.27% 1.19% 1.13% 1.16%
----------------------------------------------------------------------
Return on average
equity * 13.67% 14.93% 15.40% 14.56% 13.54% 13.99%
----------------------------------------------------------------------
Net interest margin
(TE) * 3.77% 3.68% 3.70% 3.61% 3.66% 3.63%
----------------------------------------------------------------------
* Quarterly ratios have
been annualized
*T

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Quarter-ended
----------------------------------------------------------------------
Non-GAAP Disclosure June-08 Mar-08 Dec-07 Sept-07 June-07
----------------------------------------------------------------------
Reported net income 7,119 7,508 7,424 6,805 6,361
----------------------------------------------------------------------
Adjustments:
----------------------------------------------------------------------
Proceeds and
accrual
adjustment from
VISA IPO (after-
tax) (983)
----------------------------------------------------------------------
Reorganization
related charges
(after-tax) 712
----------------------------------------------------------------------
Accrual for VISA
settlements
(after-tax) 517
----------------------------------------------------------------------
Subtotal adjustments (983) 517 712 0
----------------------------------------------------------------------
Adjusted net income 7,119 6,525 7,941 7,517 6,361
----------------------------------------------------------------------
Weighted average
shares outstanding
(diluted) 9,747,914 9,696,550 9,657,751 9,699,091 9,823,184
----------------------------------------------------------------------
Adjusted diluted
earnings per share .73 .67 .82 .78 .65
----------------------------------------------------------------------

Year-Ended
--------------------------------------------------
Non-GAAP Disclosure Dec-07
--------------------------------------------------
Reported net income 26,371
--------------------------------------------------
Adjustments:
--------------------------------------------------
Proceeds and accrual adjustment from
VISA IPO (after-tax)
--------------------------------------------------
Reorganization related charges
(after-tax) 712
--------------------------------------------------
Accrual for VISA settlements (after-
tax) 517
--------------------------------------------------
Subtotal adjustments 1,229
--------------------------------------------------
Adjusted net income 27,600
--------------------------------------------------
Weighted average shares outstanding
(diluted) 9,781,789
--------------------------------------------------
Adjusted diluted earnings per share 2.82
--------------------------------------------------
*T

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Year-to-date period
ended
--------------------------------------------------------------
Non-GAAP Disclosure June-08 June-07
--------------------------------------------------------------
Reported net income 14,627 12,141
--------------------------------------------------------------
Adjustments:
--------------------------------------------------------------
Proceeds and accrual adjustment from
VISA IPO (after-tax) (983)
--------------------------------------------------------------
Subtotal adjustments (983) 0
--------------------------------------------------------------
Adjusted net income 13,644 12,141
--------------------------------------------------------------
Weighted average shares outstanding
(diluted) 9,722,233 9,885,249
--------------------------------------------------------------
Adjusted diluted earnings per share 1.40 1.23
--------------------------------------------------------------
*T

Tompkins Financial Corporation
607-273-3210
Stephen S. Romaine
President & CEO
or
Francis M. Fetsko
CFO

Copyright Business Wire 2008