Bryn Mawr Trust Celebrates the Opening of Their Newest Branch in Bala Cynwyd
with a Ribbon Cutting Ceremony


Bryn Mawr Bank Corporation Announces Appointment of New Director


How to Reduce Health-Care Costs in Retirement


Bryn Mawr Trust Continues to Support the Gesu School


Six steps for women to improve their future financial state




Bryn Mawr Trust Celebrates the Opening of Their Newest Branch
in Bala Cynwyd with a Ribbon Cutting Ceremony

Left to right:Ted Peters, Chairman and CEO of Bryn Mawr Trust, Ron Dankanich, Senior Vice President, David Panichi, Chairman of T.N. Ward, Company, Penny Hughes, Vice President of Bryn Mawr Trust, Kevin Whitney, Casaccio YU Architecs, Robert Ricciardi,Consultant for Bryn Mawr Trust






























BRYN MAWR, Pa., February 7, 2013— Bryn Mawr Bank Trust, celebrated the opening of their newest
branch at 135 City Avenue, Bala Cynwyd, PA with a ribbon cutting ceremony attended by community
leaders, clients and members of Bryn Mawr Trust’s management team.


“We are enthusiastic about the opening of our new Bala Cynwyd branch. At this conveniently
located facility we can deliver a full array of personal and business banking and wealth management
services to our clients,” said Ted Peters, Chairman and Chief Executive Officer of Bryn Mawr Trust.
Mr. Peters added, “We have a team of experienced professionals to serve this important market,
and we are planning on being an active member of the community.


The branch was designed by Casaccio YU Architects, Havertown, PA. The branch is a sustainable
prototype designed to Leadership in Energy and Environmental Design (LEED) Silver standards.
The building’s sustainable design includes high-performance glazing, long-lasting LED lighting,
a variable-refrigerant flow HVAC system, and natural daylighting to reduce dependence upon
artificial lights. The branch’s sealed exterior wall construction, extra insulation, and white roofing
keep the building warmer in winter and cooler in summer. The construction of the Bala Cynwyd
branch was completed by T.N Ward of Ardmore, PA.


As a community bank, Bryn Mawr Trust truly understands the need to be part of and support the
communities they serve. As part of the Ribbon Cutting Ceremony, Bryn Mawr Trust was pleased
to present the Union Fire Company with a contribution for $1,000.


Left to right: Paul Daly, Union Fire Company, Penny Hughes, Vice President of Bryn Mawr Trust, David Staffieri, Union Fire Company, Ted Peters, Chairman and CEO of Bryn Mawr Trust,

































Bryn Mawr Bank Corporation Announces Appointment of New Director


BRYN MAWR, Pa., March 6, 2013— Bryn Mawr Bank Corporation today announced that Lynn B. McKee,
Executive Vice President of Human Resources for ARAMARK, has been elected to its Board of Directors.


Ms. McKee brings to the Board significant broad-based experience in human resources management
and is responsible for all HR issues affecting the 250,000 employees at ARAMARK. She has served in
a number of key positions in both the operating and corporate levels, including Board level human resources

responsibilities at ARAMARK.


Ted Peters, Chairman and Chief Executive Officer, stated, “Lynn is one of the premier executives in

thecountry and we are excited that she has joined us as a director. As a fast growing organization,

Bryn Mawr Bank Corporation and the Board will need her skills in both change management and human

resources areas.”


Ms. McKee is a member of the Human Resources 50 and the Conference Board’s Advisory Council

of Human Resources Management. She serves on the Board of Trustees for Saint Joseph’s University

and she is a board member of the Philadelphia Workforce Investment Board.





How to Reduce Health-Care Costs in Retirement

When it comes to retirement savings planning, studies show that health-care costs are often the most

under-planned expenses in retirement. And while it’s impossible to predict your health-care future,

there are ways to reduce these costs.


“When you are talking about saving for health care in retirement the No.1 thing people can do is get

themselves in shape,” says Eric Thorne, senior vice president at Bryn Mawr Trust. “It’s going to be

the No.1 driver of how much they spend for health care.”


From getting healthy to considering long-term care insurance, there are easy ways to lower the

amount you’ll spend on medical expenses in your golden years.


Play the Prevention Game

The Patient Protection and Affordable Care Act places an emphasis on preventative care that

includes free screenings for potential health risks, and experts say those about to or in retirement

should take advantage of the tests to identify any problems early and reduce treatment costs.


“People don’t go out of their way to visit the doctor, they don’t want to get testing done but it’s the

most common way to get in trouble,” says Thorne. “If you are experiencing symptoms and you

never get it checked out it can lead to major problems.”


Be a Financially-Smart Patient

If you do get sick, it’s important to use the medical system appropriately and to your advantage.


Helen Darling, president of the National Business Group on Health, advises limiting trips to the

emergency room to reduce costs. “Unless it’s life-threatening, go to a retail clinic that may cost

you $40 whereas the ER might cost you $500.”


She adds that aging patients be aware of their physical limits and may want to give up activities

they enjoyed in their younger and stronger days. “There are things you can do to control the

costs. For example, older bones may be more fragile so take Vitamin D and be sure to get a

lot of exercise.”


Choose the Right Insurance

Life insurance provides a piece of mind that your loved ones will be financially sound in the even

something happens to you, and it’s important to choose the right plan for your financial and

health situation.


Long-term care insurance can help combat the costs associated with a long-term illness that

may involve the expenses of a nursing home or assisted-living. “Long-term care insurance is

a very overlooked type of insurance,” says Thorne. “A lot of times when you need care down

the road you don’t have a penny for it. Long-term care insurance is well worth the money.”

He says the best time to purchase long-term care insurance is in your late 50s or early 60s

when you are still healthy. If you wait until later, he says the rates will dramatically increase.


Invest in the Industry

With so many boomers entering the retirement world every year, experts expect the health-care

industry to continue to do well, which could help your portfolio and retirement savings grow.


“Buy stock in companies now that will be the future health-care providers,” says Thorne.

“Why not benefit from the higher prices?” He likens this move to investing in oil companies

when gas prices are high.


It may be hard to think about getting sick when you are healthy, but planning now will prevent

a lot of headaches and financial strain in the future. “A lot of people think about it when it’s too late,”

says Thorne. “A little preventive care will go a long way in keeping you financially ahead of that curve.”


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Bryn Mawr Trust Continues to Support the Gesu School


Bryn Mawr Trust is proud to once again sponsor the Philadelphia Charity Ball Scholarship Program.
This year, the Bryn Mawr Trust scholarship was awarded to Kharon Randolph of the Gesu School.
This is the fourth year that Bryn Mawr Trust has sponsored the Scholarship Program. The Philadelphia
Charity Ball has been introducing children to philanthropy and raising funds for Philadelphia-area
non-profits for 135 years.


Read more





Six steps for women to improve their future financial state

The world has changed, and so have our households. Life spans are longer – particularly for women –
and many families now live off of two incomes.


Today women are successful business executives,entrepreneurs and business owners. Now,

more than ever, they are in a better position to achieve financial security for themselves and their

families. That means becoming more involved in their financial plan and taking an active interest

in their investment savings.


Here are six steps women can take to improve their current financial state and to
adequately prepare
for their future:


1. Do some research and educate yourself

It’s important that women find financial empowerment and success alongside their spouses.

The first step to achieving that is simply setting aside time to do research and find out what is right

for you and your family. Are you starting from scratch, or do you just need to brush up on some things?

Start with the basics, such as magazines and books. Also, seek help through your retirement plan

at work, as many plans provide educational materials and assistance. You don’t have to do it all at

once, but don’t put it off. First, figure out what your knowledge of the topic is and what you need to

know in order to move forward.


2. Give yourself a financial overview

In order to create a successful plan, you need to be aware of what your current finances look like.

See where you are right now, what your situation is, and figure out your short- and long-term goals.

Review everything available to you – all your finances, how much you have in income, debt, living

expenses, planned savings, after tax savings, etc.


3. Take advantage of everything available to you

Hopefully, after you’ve completed your financial review, you know what investment vehicles you are

– and aren’t – utilizing. If you and your spouse are still working, how much are you saving? Are you

taking full advantage of your tax-deferred deduction through your employer plan? Does your company

provide a contribution match, and are you taking advantage of that match? What are your current

investments, and are they appropriate for your risk tolerance and your financial goals? Additionally,

you might want to consider speaking to a tax advisor to make sure you’re taking advantage of

applicable tax deductions and/or tax credits.


4. Have a conversation

This one is often the mostdifficult for women, but don’t be afraid of this step. Take a vested interest

in your family’s finances. I hear women saying they don’t have the time, but if you don’t get up to

speed on your financial state by discussing it in-depth with your spouse, you could end up paying

for it – literally – later down the road.


Also note that you are not alone in this. Others have the same questions and investment concerns.

It is okay to talk with friends who may have similar questions,but do your own research and seek

out professional advice. Don’t act solely on the hearsay of others.


5. Plan for the long-term

It’s easy to plan for the short-term because you’ll be rewarded sooner. However, everybody should

have long-term goals. Someday you would like to retire, but in order to get there you need to make

decisions to achieve that goal. Figure out what you would like your retirement to look like and whether

you’re on track to fund that kind of lifestyle.


Many employer-sponsored retirement plans have built-in savings calculators that can tell you

whether you’ve saved enough for estimated expenses, or,if you haven’t, how much you need to save.

Determine what you can expect for your future SocialSecurity and Medicare benefits and factor in

the cost of health care and long term care. Create a financial plan and then begin to work through the

steps of your plan.


6. Consider seeking the help of a financial professional

Women are the key to their own financial futures, and to help make financial decisions, they need

to become educated and informed. The world of financial planning isn’t always easy or convenient.

In many cases, women can benefit greatly from working with a professional who can help them

understand their options and to implement plans designed to provide for them and their families

with financially secure lives. Don’t delay – you’ll thank yourself later!


Ellen Jordan, CFP, is senior vice president, Wealth Management Division, at Bryn Mawr Trust.