Q. What kinds of investments can I make using the UVEST service?
A. Hometown Financial Service's partnership with UVEST Financial Services allows you to invest in a wide range of non-deposit investment products. Annuities, mutual funds, individual stocks and bonds are all available through our Investment Consultant.

Q. Is there any charge for a meeting with the Investment Consultant?
A. There is never a charge for the professional financial review and consultation that is provided by Harry Chapin, our Investment Consultant. If you do purchase securities available through UVEST there may be fees associated with those securities.

Q. My financial situation is complicated and I need investment, tax and legal advice. What kind of help can you give me?
A. Our investment Consultant will work with you and your tax and legal advisors to help put together a plan that's appropriate for each situation. Harry has worked with many attorneys and tax professionals and is available for meetings with your advisors. UVEST Financial Services also provides trust services and wealth management advisors for special situations.

Q. I've never worked with a professional broker before. How does the process work?
A. At your first meeting, Harry will review your financial situation and your investment goals, as well as your tolerance for investment risk, and your time horizon for meeting those goals. At your next meeting a personalized plan will be presented for your review. If you approve of the investment plan your assets will be transferred into the investments that have been selected. You will receive regular investment statements and updates on your account.

Q. I'm already working with one of the big brokerage houses. Why should I switch?
A. Personal service has always been a trademark of The Seymour Bank and it is the hallmark of the investment services available here as well. Our professional Investment Consultant is available to meet with you at your convenience and will work closely with you to create the investment plan that is best for you.

Q. I'm not sure I'm saving enough for my retirement. What kind of help can I get?
A. A full review of your current retirement savings, as well as various "what-if" scenarios, is an important part of the financial planning services that are provided to you at no cost. Our professional Investment Consultant will work with you to create a plan for your investments based on your financial situation, your investment goals, your time horizon, and your tolerance for risk.

Q. I'm changing jobs. Can you provide help with my 401K rollover?
A. Absolutely! Changing jobs is an important time to review your 401K, transfer it properly, and make sure you don't lose the tax-deferred status of your retirement funds. Our Investment Consultant can help you find the right home for your rollover funds.

Q. I like to make my own investment decisions. Are there discount brokerage services available?
A. Yes, through the UVEST web site online discount brokerage is available. In addition, there is a telephone-based discount brokerage service available. These services do not include professional advice from our Investment Consultant.

Through Hometown Financial Services and UVEST you now have online access to:

• Trading stocks, bonds, mutual funds
• Obtaining Real Time stock quotes, stock market research
• Accessing your account balances, account activity, and much more

Check out the online demo. Trades are only $19.95!

Q. Will my bank account information be shared with the Investment Consultant without my knowledge?
A. Absolutely not! We do not share any customer information with our Investment Consultant without direct permission from our customers. If you are interested in meeting with Harry you may call him directly at any time, or any Customer Service Representative can help schedule a meeting.