The signal page  (only an example) conveys to the subscriber (a) each buy/sell signal, (b) the performance of both the recommended fund and the S&P 500 Index, (c) the Advisory fees and (d) the date when the web page address of the signal page will change.  The new web page address of  the signal page will be sent by email to the subscribers.

The instructions below define (a) how to get started in this program and (b) the operating procedures.

1.  Subscriber opens an account with Fidelity Investment Service  (click on "open an account" when at the Fidelity web site) and places a minimum of $5,000.00 into the Fidelity Select Money Market Fund -- symbol "FSLXX",

2.  Subscriber signups to participate in investment program,

3.  Subscriber  receives an email from Thompkins Financial Advisory Service which (a) acknowledges the signup, (b) provides instructions as to where to place the funds that are in the subscriber's Fidelity account and (c) identifies the web address of the signal page,







4.  Subscriber will contact Fidelity Investment Service and execute the instructions contained in the email,

5.  When a signal is generated by our computerized model, the signal page will be updated by 9:00 pm eastern standard time on the day that the signal is detected.  One of four possible signals will be displayed on the signal page.  A description of each signal is contained below.












































6. Each subscriber must access the signal page daily to determine if a new signal has been generated or if  an Advisory fee is due.  If a new signal is generated, each subscriber should act on the instructions identified on the signal page by 10:00 am eastern standard time following the day that the signal was detected in order to get the earliest fund price.  If an Advisory Fee is due, it would have been determined based on the following:




















7.  Thirty days after the latest profitable and timely buy/sell cycle, Thompkins Financial Advisory Service will send out an email to each subscriber, who has made payment or who  signed up after the last Major Buy signal, identifying the web address of the new signal page. 

How it Works - Operating Procedures
THOMPKINS FINANCIAL ADVISORY                          SERVICE

The instructions below define (a) how to get started in this program and (b) the operating procedures.

1.  Subscriber opens an account with Fidelity Investment Service  (click on "open an account" when at the Fidelity web site) and places a minimum of $5,000.00 into the Fidelity Select Money Market Fund -- symbol "FSLXX",

2.  Subscriber signups to participate in investment program,

3.  Subscriber  receives an email from Thompkins Financial Advisory Service which (a) acknowledges the signup, (b) provides instructions as to where to place the funds that are in the subscriber's Fidelity account and (c) identifies the web address of the signal page,







4.  Subscriber will contact Fidelity Investment Service and execute the instructions contained in the email,

5.  When a signal is generated by our computerized model, the signal page will be updated by 9:00 pm eastern standard time on the day that the signal is detected.  One of four possible signals will be displayed on the signal page.  A description of each signal is contained below.












































6. Each subscriber must access the signal page daily to determine if a new signal has been generated or if  an Advisory fee is due.  If a new signal is generated, each subscriber should act on the instructions identified on the signal page by 10:00 am eastern standard time following the day that the signal was detected in order to get the earliest fund price.  If an Advisory Fee is due, it would have been determined based on the following:




















7.  Thirty days after the latest profitable and timely buy/sell cycle, Thompkins Financial Advisory Service will send out an email to each subscriber, who has made payment or who  signed up after the last Major Buy signal, identifying the web address of the new signal page. 

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Major Buy Signal:

The market has undergone a significant decline resulting in a sell signal being generated.  The market, after a period of consolidation, begins to rise and our computerized model then generates a Major Buy Signal. The signal page will be updated to inform the subscribers to move funds from cash to a specific fund.

Minor Buy Signal:

A Major Buy or a previous Minor Buy Signal is in affect and the market undergoes a minor decline which does not result with a sell signal being generated. The market then begins to rise and our computerized model generates a Minor Buy Signal. 

The signal page will be updated to inform current subscribers (Those who signed up before or at the time of the last Buy Signal) that they may  add monies to the fund in which currently invested or chose to do nothing.

The signal page will also be updated to inform new subscribers (Those who signed up after the last Buy Signal) to move from cash to the current recommended fund. 

Sell Signal:

A Major or Minor Buy signal is in affect and the market or the fund in which currently invested declines to a level that causes the computerized model to generate a sell signal.  The signal page will be updated to inform all subscribers to sell the fund in which currently invested and move proceeds to cash.

Exchange Signal:

A Major or Minor buy signal is in affect and the fund in which currently invested begins to underperform several of the other sector funds while at the same time  the overall market continues in an upward trend.  Our model detects these occurrences and issues a signal to sell the current fund and purchase the sector fund that has the strongest momentum. 

The signal page will be updated to inform: (1) current subscribers (Those who signed up on or before the last Buy signal) to sell current fund and purchase the recommended fund and (2) new subscribers (Those who signed up after the last Buy signal) to purchase the recommended fund.

The Buy signal associated with this signal will  be considered a Major Buy.
An Advisory Fee will be assessed only if the time period between the Major Buy signal and the Sell signal is thirty days or more.

The Advisory Fee will be assessed on subscribers who were participating in the program at the time that a Major Buy Signal was generated and will cover the time period from the Major Buy Signal to the Sell signal provided that this time period is thirty days or more and the fund's performance exceeds that of the S&P 500 Index.

Subscribers, who signed up after a Major Buy Signal was in affect and were informed to purchase a fund based on a Minor Buy Signal, will not be assessed an Advisory Fee for that buy/sell cycle.
The Advisory Fee is due within thirty days after  the latest profitable and timely buy/sell cycle. Failure to pay the Advisory Fee within the allocated time period will immediately result in discontinuance of service.   The signal page will identify the Advisory Fee amount and the instructions related to paying the Advisory Fee.
The signal page  (only an example) conveys to the subscriber (a) each buy/sell signal, (b) the performance of both the recommended fund and the S&P 500 Index, (c) the Advisory fees and (d) the date when the web page address of the signal page will change.  The new web page address of  the signal page will be sent by email to the subscribers.