<PAGE>
Exhibit 99.1
--------------------------------------------------------------------------------
MARKETING MATERIALS
FOR
WAYPOINT FINANCIAL
STOCK OFFERING
Draft dated August 6, 2000
--------------------------------------------------------------------------------
<PAGE>
Waypoint Financial Stock Offering
---------------------------------
TABLE OF CONTENTS
-----------------
CORRESPONDENCE
--------------
Letter to Harris Savings' Voting Record Date Depositors (eligible to vote and
buy)
"Closed Account" Letter (eligible to buy, not vote)
Letter to Registered Public Stockholders at Voting Record Date
Letter to "Street Name" Beneficial Owners at Voting Record Date
Potential Investor Letter (Community, Call-Ins)
Ryan, Beck "Broker Dealer" Letter
Stock Order Acknowledgment Letter
Stock Certificate Mailing Letter
Depositor Proxygram for Plan of Conversion
Stockgram Card
ADVERTISEMENTS
--------------
Tombstone Newspaper Advertisement (optional)
Lobby Poster - Vote & Offering
Operations Center Poster
Bank Statement Vote Reminder (optional)
Community Meeting Invitation
Community Meeting Newspaper Ad
PROSPECTUS INSERT
-----------------
Q & A Section
FORMS
-----
Stock Order Form
Proxy Card - will be drafted by counsel
_______________
NOTE: These materials do not include pieces related to the Harris share
exchange.
<PAGE>
LETTER TO VOTING DEPOSITORS
[Harris Savings Bank Letterhead]
Dear Customer:
It is my pleasure to inform you of exciting changes at Harris Savings Bank. Our
organization will convert from the mutual holding company corporate structure to
a fully stockholder-owned structure, and we will acquire York Federal Savings
and Loan Association in a stock-for-stock merger.
As part of the conversion, Waypoint Financial Corp., our newly-formed parent
company, is conducting an offering of up to 26,450,000 shares of its common
stock, at $10.00 per share. As an eligible Harris Savings depositor, you have
the right, but no obligation, to buy Waypoint Financial common stock in the
offering, before it is offered for sale to the public.
The corporate restructuring and stock offering are being conducted pursuant to a
Plan of Conversion. We have received conditional regulatory approval of our
Plan, but we must also receive the approval of Harris Savings' depositors. Your
vote is important. The enclosed Proxy Statement describes the Plan and the
business reasons for the change in corporate structure. Please vote and sign the
enclosed Proxy Card(s) and return the card(s) to us promptly, using the enclosed
Proxy Reply Envelope. NOT RETURNING PROXY CARDS HAS THE SAME EFFECT AS VOTING
AGAINST THE PLAN.
Please note that:
. There will be no change in the account numbers, interest rates or other
terms of your deposits or loans at our bank.
. Your deposit accounts will continue to be insured by the Federal Deposit
Insurance Corporation.
. Our management and staff will continue to serve you in the same offices.
. The York Federal franchise will expand our branch network in growing areas
of south central Pennsylvania and northern Maryland and will result in more
products, services and banking locations for our customers.
. After the merger, we will welcome York Federal's customers, and the newly-
combined bank will be named Waypoint Bank. A waypoint is a nautical term
used by navigators to help determine whether they are on course. We intend
to remain community-oriented, helping you chart your course of financial
goals.
(over)
<PAGE>
[LETTER TO VOTING DEPOSITORS - Continued]
Before making an investment decision, please review the information in the
enclosed Prospectus, including details about the stock offering and merger. If
you are interested in purchasing shares of stock, complete the enclosed Stock
Order Form and return it, with full payment or deposit account withdrawal
authorization, in the enclosed Order Reply Envelope. Stock Order Forms must be
received prior to 10:00 a.m. Eastern time, on September 25, 2000.
After the offering is completed, Waypoint Financial's stock will be quoted on
the Nasdaq National Market, under the symbol "____".
If you have questions regarding voting or the offering, please refer to the
Questions & Answers section of the Prospectus, beginning on p. ___, or call our
Stock Information Center at the number below.
Sincerely,
By Harris Savings Bank
Charles C. Pearson, Jr.
President and Chief Executive Officer
This letter is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
--------------------------------------------------------------------------------
Questions?
Call our Stock Information Center toll free at (877) 902-7556
9:00 a.m. to 4:00 p.m. Eastern time, Monday through Friday
Located at our Operations Center, 449 Eisenhower Boulevard, Harrisburg
<PAGE>
LETTER TO POTENTIAL INVESTORS (NON-DEPOSITORS)
[Waypoint Financial Letterhead]
Dear Friend:
It is my pleasure to inform you of an investment opportunity. Waypoint Financial
Corp., a newly-formed company that will succeed Harris Financial, Inc. as the
parent company of Harris Savings Bank, is conducting an offering of up to
26,450,000 shares of its common stock. The purchase price is $10.00 per share.
Additional shares of Waypoint Financial common stock will be simultaneously
issued as consideration in connection with our anticipated acquisition of York
Financial Corp. and its subsidiary, York Federal Savings & Loan Association, in
a stock-for-stock merger. The newly-combined bank will be named Waypoint Bank. A
waypoint is a nautical term used by navigators to help determine whether they
are on course. We intend to remain community-oriented, helping customers chart
their course of financial goals.
Before making an investment decision, please review the information in the
enclosed Prospectus, including details about the stock offering and merger. If
you are interested in purchasing shares of stock, complete the enclosed Stock
Order Form and return it, with full payment, in the return envelope provided.
Stock Order Forms must be received prior to 10:00 a.m. Eastern time, on
September 25, 2000.
At June 30, 2000, Harris Financial, Inc. had consolidated assets of $___ billion
and equity of $___ million. Harris Savings' 37 full-service branches are located
in five counties in Pennsylvania and one county in Maryland. At June 30, 2000,
York Financial Corp. had consolidated assets of $___ billion and equity of $___
million. York Federal has 26 full-service branches located in four counties in
Pennsylvania and one county in Maryland. We believe that we will benefit from
increased branch penetration in these growing market areas. Harris Savings is
ranked fourth and York Federal is ranked sixth in deposit market share in the
five county south-central region of Pennsylvania. After the merger, Waypoint
Bank will rank second in that region, and Waypoint Financial will be the second
largest Pennsylvania-based thrift holding company.
(over)
<PAGE>
[LETTER TO POTENTIAL INVESTORS (NON-DEPOSITORS) - Continued]
After the offering is completed, Waypoint Financial stock will trade on the
Nasdaq National Market, under the symbol "____".
If you have questions regarding the offering, please refer to the Questions &
Answers section of the Prospectus, beginning on p. __, or call our Stock
Information Center at the number below.
Sincerely,
By Waypoint Financial Corp.
Charles C. Pearson, Jr.
President and Chief Executive Officer
This letter is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
--------------------------------------------------------------------------------
Questions?
Call our Stock Information Center toll free at (877) 902-7556
9:00 a.m. to 4:00 p.m. Eastern time, Monday through Friday
Located at our Operations Center, 449 Eisenhower Boulevard, Harrisburg
_________
NOTE: This letter would be sent to "community" - ie call-ins and 1) targeted
York depositors, 2) those who York directors put on a mail list, 3) York's
brokerage account holders
<PAGE>
LETTER TO CLOSED ACCOUNTS (can buy, not vote)
[Waypoint Financial Letterhead]
Dear Friend:
It is my pleasure to inform you of an investment opportunity. Waypoint Financial
Corp., a newly-formed company that will succeed Harris Financial, Inc. as the
parent company of Harris Savings Bank, is conducting an offering of up to
26,450,000 shares of its common stock. The purchase price $10.00 per share.
Additional shares of Waypoint Financial common stock will be simultaneously
issued as consideration in connection with our anticipated acquisition of York
Financial Corp. and its subsidiary, York Federal Savings & Loan Association, in
a stock-for-stock merger. . The newly-combined bank will be named Waypoint Bank.
A waypoint is a nautical term used by navigators to help determine whether they
are on course. We intend to remain community-oriented, helping customers chart
their course of financial goals.
As a Harris Savings Bank depositor on either December 31, 1998 or June 30, 2000,
whose account was closed thereafter, you have the right, but no obligation, to
buy common stock in the offering, before it is offered for sale to the general
public.
Before making an investment decision, please review the information in the
enclosed Prospectus, including details about the stock offering and merger. If
you are interested in purchasing shares of stock, complete the enclosed Stock
Order Form and return it, with full payment, in the return envelope provided.
Stock Order Forms must be received prior to 10:00 a.m. Eastern time, on
September 25, 2000.
At June 30, 2000, Harris Financial, Inc. had consolidated assets of $___ billion
and equity of $___ million. Harris Savings' 37 full-service branches are located
in five counties in Pennsylvania and one county in Maryland. At June 30, 2000,
York Financial Corp. had consolidated assets of $___ billion and equity of $____
million. York Federal has 26 full-service branches located in four counties in
Pennsylvania and one county in Maryland. We believe that we will benefit from
increased branch penetration in these growing market areas. Harris Savings is
ranked fourth and York Federal is ranked sixth in deposit market share in the
five county south-central region of Pennsylvania. After the merger, Waypoint
Bank will rank second in that region, and Waypoint Financial will be the second
largest Pennsylvania-based thrift holding company.
(over)
<PAGE>
[LETTER TO CLOSED ACCOUNTS - Continued]
After the offering is completed, Waypoint Financial stock will be quoted on the
Nasdaq National Market, under the symbol "____".
If you have questions regarding the offering, please refer to the Questions &
Answers section of the Prospectus, beginning on p. __, or call our Stock
Information Center at the number below.
Sincerely,
By Waypoint Financial Corp.
Charles C. Pearson, Jr.
President and Chief Executive Officer
This letter is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
--------------------------------------------------------------------------------
Questions?
Call our Stock Information Center toll free at (877) 902-7556
9:00 a.m. to 4:00 p.m. Eastern time, Monday through Friday
Located at our Operations Center, 449 Eisenhower Boulevard, Harrisburg
<PAGE>
LETTER TO REGISTERED PUBLIC STOCKHOLDERS
[Harris Financial, Inc. Letterhead]
Dear Stockholder:
In 1994, Harris Savings Bank reorganized into the mutual holding company form of
organization, and we conducted our initial public offering. We are now
completing the transition to full public ownership through another stock
offering. Pursuant to a Plan of Conversion, our mutual holding company will
cease to exist, and its ownership interest in Harris Financial, Inc. will be
offered for sale in a common stock offering by our newly-formed company,
Waypoint Financial Corp., which will succeed Harris Financial as the holding
company for Harris Savings Bank. Additional shares of Waypoint Financial common
stock will be simultaneously issued in connection with our anticipated
acquisition of York Financial Corp., headquartered in York, Pennsylvania, in a
stock-for-stock merger. The newly-combined bank will be named Waypoint Bank. A
waypoint is a nautical term used by navigators to help determine whether they
are on course. We intend to remain community-oriented, helping customers chart
their course of financial goals.
We are soliciting our stockholders' votes on three interdependent matters: the
Plan of Conversion, the related holding company re-chartering from state-to-
federal charter and the merger agreement with York Financial. Included herein is
a proxy statement/prospectus describing these matters and the business reasons
for them. Please vote and sign the enclosed Proxy Card. Please promptly mail the
card in the enclosed business reply envelope.
ON BEHALF OF THE BOARD OF DIRECTORS, I URGE YOU TO VOTE "FOR" THE PROPOSITIONS.
Shares of Harris Financial common stock owned by you and other public
stockholders at the conclusion of the conversion will be exchanged for shares of
Waypoint Financial common stock pursuant to an exchange ratio described in the
Proxy Statement/Prospectus, and the mutual holding company's shares of Harris
Financial stock will be canceled. As soon as practicable after the completion of
the conversion, each stockholder holding certificates will receive a transmittal
form explaining the procedure for effecting the exchange of shares. Please do
not deliver your certificates before you receive the transmittal form. Shares
held in street-name, will be converted automatically at the conclusion of the
-------------
conversion; no documentation is required.
In the stock offering, shares are being offered on a priority basis. Eligible
depositors of Harris Savings Bank have priority in a subscription offering.
Unsubscribed shares may be sold to the public in a community offering. As a
stockholder of Harris Financial on August 7, 2000, you have a purchase
preference over certain members of the general public in the community offering.
If you choose to participate in the offering, you may do so without paying a
commission. Please complete the enclosed Stock Order Form and return it in the
Order Reply Envelope, along with payment. Orders must be received by 10:00 a.m.
Eastern time, on September 25, 2000.
<PAGE>
[LETTER TO REGISTERED PUBLIC STOCKHOLDERS - Continued]
After the offering is completed, Waypoint Financial stock will trade on the
Nasdaq National Market, under the symbol "___".
If you have any questions, please refer to the Questions and Answers section of
the prospectus/proxy statement. We look forward to continued association with
you as a Waypoint Financial stockholder.
Sincerely,
By Harris Financial, Inc.
Charles C. Pearson, Jr.
President and Chief Executive Officer
This letter is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
___________
NOTE: This letter and the following one may be helpful for York Financial in
preparing their stockholder communication.
<PAGE>
LETTER TO "STREET NAME" BENEFICIAL OWNERS
[Harris Financial, Inc. Letterhead]
(NOTE: Beneficial owner proxy materials must be mailed through proxy delivery
channels. ADP will not mail order forms, so beneficial owners are instructed in
this letter to call the Stock Information Center if they wish to buy in the
offering).
Dear Stockholder:
In 1994, Harris Savings Bank reorganized into the mutual holding company form of
organization, and we conducted our initial public offering. We are now
completing the transition to full public ownership through another stock
offering. Pursuant to a Plan of Conversion, our mutual holding company will
cease to exist, and its ownership interest in Harris Financial, Inc. will be
offered for sale in a common stock offering by our newly-formed holding company,
Waypoint Financial Corp., which will succeed Harris Financial as the holding
company for Harris Savings Bank. Additional shares of Waypoint Financial common
stock will be issued in connection with our anticipated acquisition of York
Financial Corp., headquartered in York, Pennsylvania, in a stock-for-stock
merger. The newly-combined bank will be named Waypoint Bank. A waypoint is a
nautical term used by navigators to help determine whether they are on course.
We intend to remain community-oriented, helping customers chart their financial
goals.
We are soliciting our stockholders' votes on three interrelated matters: the
Plan of Conversion, the related holding company re-chartering from state-to-
federal charter and the merger agreement with York Financial. Included herein is
a Proxy statement/Prospectus describing the transactions and the business
reasons for the them. Please vote and sign the enclosed Proxy Card. Please
promptly mail the card in the enclosed business reply envelope.
ON BEHALF OF THE BOARD OF DIRECTORS, I URGE YOU TO VOTE "FOR" THE PROPOSITIONS.
Shares of Harris Financial common stock owned by you and other public
stockholders at the conclusion of the conversion will be exchanged for shares of
Waypoint Financial common stock pursuant to an exchange ratio described in the
Proxy Statement/Prospectus, and the mutual holding company's shares of Harris
Financial stock will be canceled. As soon as practicable after the completion of
the conversion, each stockholder holding certificates will receive a transmittal
form explaining the documentation required for effecting the exchange of shares.
Shares held in street-name, however, will be converted automatically at the
-------------
conclusion of the conversion; no documentation is required.
In the stock offering, shares are being offered on a priority basis. Eligible
depositors of Harris Savings Bank have priority in a subscription offering.
Unsubscribed shares may be sold to the public in a community offering. As a
stockholder of Harris Financial on August 7, 2000, you have a purchase
preference over certain members of the general public in the community offering.
If you choose to participate in the offering, you may do so without paying a
commission. If you would like to receive a Stock Order Form and Order Reply
Envelope, please call our Stock Information Center, toll free at (877) 902 -
7556. Orders must be received by 10:00 a.m. Eastern time, on September 25,
2000.
(over)
<PAGE>
[LETTER TO "STREET NAME" BENEFICIAL OWNERS - Continued]
After the offering is completed, Waypoint Financial stock will trade on the
Nasdaq National Market, under the symbol "___".
If you have any questions, please refer to the Questions and Answers section of
the prospectus/proxy statement. We look forward to continued association with
you as a Waypoint Financial stockholder.
Sincerely,
By Harris Financial, Inc.
Charles C. Pearson, Jr.
President and Chief Executive Officer
This letter is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
<PAGE>
STOCK ORDER ACKNOWLEDGEMENT LETTER
[Waypoint Financial Letterhead]
Date
Batch No.: ________
Order No.: ________
[imprinted with name & address of subscriber]
Dear Subscriber:
This letter is to confirm that we have received your order and payment for
shares of Waypoint Financial common stock. Please check the following carefully
to verify that your order information is correctly reflected in our records:
Stock Registration: Name1
-------------------
Name2
Street1
Street2
City, State, Zip
Social Security/Tax ID No.: xxx-xx-xxxx
---------------------------
Shares Ordered: xxx shares
---------------
If any of this information does not agree with your records, please contact our
Stock Information Center at the number below.
Please note that, although the offering period ends at 10:00 a.m. Eastern time,
on September 25, 2000, we are required to receive final regulatory approval
before stock certificates can be mailed or trading in the stock can begin. This
approval may not occur until two or three weeks after the _____/rd/ offering
-----
deadline. Your patience is appreciated.
This letter is an acknowledgment that your order and payment have been received.
It is not a guarantee that your order will be filled, either completely or
partially. If we receive orders for more shares of stock than are available,
shares will be allocated on a priority basis, as described in our Prospectus
dated _______, 2000, in the section entitled "The Conversion and Stock
Offering".
Thank you for your interest in Waypoint Financial.
--------------------------------------------------------------------------------
Questions?
Call our Stock Information Center toll free at (877) 902-7556,
Monday through Friday,
from 9:00 a.m. to 4:00 p.m., Eastern time.
--------------------------------------------------------------------------------
_______________
NOTE: Mailed by data processing agent.
<PAGE>
STOCK CERTIFICATE MAILING LETTER
[Waypoint Financial Letterhead]
Dear Stockholder:
I would like to welcome you as a stockholder of Waypoint Financial Corp. A total
of ___________ shares were purchased by investors at $10.00 per share.
Your stock certificate is enclosed. Please review it to make sure the
registration name and address are correct. If you find an error or have
questions about your certificate, please contact our Transfer Agent:
by mail:
[INSERT NAME & ADDRESS OF TRANSFER AGENT]
or by phone:
[INSERT TRANSFER AGENT INVESTOR RELATIONS PHONE NUMBER]
If the original stock certificate must be forwarded for reissue, it is
recommended that it be sent to the Transfer Agent by registered mail. If you
change your address, please notify the Transfer Agent immediately, so that you
will continue to receive stockholder communications.
If you paid for your shares by check or money order, you have received, or soon
will receive, a check representing interest earned on your funds. Interest
payments were calculated at Harris Savings Bank's passbook savings rate (___ %)
from the date your funds were received until ________, 2000. If you paid for
your shares by authorizing a withdrawal from a Harris Savings Bank deposit
account, that withdrawal has now been made. Interest was earned at your
account's contractual rate and credited to your account to the date of
withdrawal.
We have completed the acquisition of York Financial Corp. We look forward to a
prosperous future together.
Thank you for participating in our stock offering.
Sincerely,
Charles C. Pearson, Jr.
President and Chief Executive Officer
_______________
NOTE: Mailed by transfer agent, with stock certificate.
<PAGE>
BRANCH LOBBY POSTER - BUY & VOTE
TIME IS RUNNING OUT!
We are conducting an offering of common stock!
UP TO 26,450,000 SHARES
COMMON STOCK
$10 Per Share Purchase Price
THIS OFFERING EXPIRES AT 10:00 A.M. ON September 25, 2000
* * *
HAVE YOU CAST YOUR VOTE YET?
We would like to remind depositors to mail in their Proxy Card(s),
voting on our Plan of Conversion.
If you have questions about the stock offering or voting,
call our Information Center toll free at (877) 902-7556
Monday through Friday, 9:00 a.m. to 4:00 p.m.
The Plan of Conversion is a change to our corporate form of organization. It
will not result in changes to our branches or staff or to your account
relationships with us. Your deposit accounts will continue to be FDIC- insured.
Voting does not obligate you to purchase stock in our stock offering.
HARRIS SAVINGS BANK [LOGO]
This notice is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
<PAGE>
TOMBSTONE NEWSPAPER ADVERTISEMENT (Optional)
Waypoint Financial [LOGO]
(Holding Company for Harris Savings Bank)
Up to 26,450,000 SHARES
Common Stock
PRICE
$10.00 Per Share
Waypoint Financial Corp., newly-formed to replace Harris Financial, Inc. as the
holding company for Harris Savings Bank, is conducting an offering of common
stock. Shares may be purchased directly from Waypoint Financial during the
offering period.
This offering expires at 10:00 a.m. on September 25, 2000.
To receive a copy of the Prospectus, call our Stock Information Center toll free
at (877) 902-7556, Monday through Friday, 9:00 a.m. to 4:00 p.m.
Harris Savings Bank [LOGO]
This advertisement is neither an offer to sell nor a solicitation of an offer to
buy common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
_________
Note: Another ad version could look slightly different, to more specifically
attract York community
<PAGE>
DEPOSITOR PROXYGRAM LETTER
R E M I N D E R
WE REQUEST YOUR PROMPT VOTE!
Our records indicate that we have not received the Proxy Card(s) mailed to you
recently in a large white envelope containing a Proxy Statement. If you recently
mailed your Proxy Card(s), please accept our thanks and disregard this request.
Please note:
. NOT VOTING HAS THE SAME EFFECT AS VOTING AGAINST THE PLAN.
-------
. VOTING DOES NOT OBLIGATE YOU TO PURCHASE STOCK IN OUR STOCK OFFERING.
. PLEASE VOTE AND SIGN THE ENCLOSED REPLACEMENT PROXY CARD AND RETURN IT IN
THE ENCLOSED ENVELOPE.
. WE HOPE YOU WILL VOTE YOUR PROXY CARD "FOR" THE PLAN.
---
If you receive more than one of these reminder mailings, please vote
each proxy card received. None are duplicates!
QUESTIONS?
Please call our Information Center toll free at (877) 902-7556,
Monday through Friday, 9:00 a.m. to 4:00 p.m., Eastern time.
HARRIS SAVINGS BANK [LOGO]
_______________
NOTE: A different version may be created for a second proxygram mailing. Printed
on canary yellow 8 1/2" x 11" paper.
<PAGE>
STOCKGRAM CARD (Optional)
Front of card:
--------------
________________________________________________________________________________
Waypoint Financial [logo] STOCKGRAM
Time is running out for you to purchase stock
in Waypoint Financial Corp.'s offering of
common stock.
THIS IS A REMINDER THAT YOUR OPPORTUNITY TO PARTICIPATE IN
OUR OFFERING EXPIRES AT 10:00 A.M. EASTERN TIME, ON SEPTEMBER 25, 2000.
Questions? Call the Stock Information Center toll free at (877) 902-7556, from
9:00 a.m. to 4:00 p.m. Eastern time, Monday through Friday.
If you have already placed a stock order, please disregard this reminder.
This notice is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
________________________________________________________________________________
Back of card:
-------------
Harris Savings Bank return address; customer name(s) and address imprinted;
pre-paid postage permit information.
______________
NOTE: 4 1/2" x 6" card, printed on blue paper. Mailed to a select group.
<PAGE>
VOTE - BANK STATEMENT REMINDER CLAUSE (Optional)
In late August, you may have received a large envelope containing proxy cards to
be used to vote on our organization's Plan of Conversion. If you received
cards, but have not mailed them back, please do so. If you have questions about
voting, call our Information Center toll free, (877) 902-7556, Monday through
Friday, 9:00 a.m. to 4:00 p.m., Eastern time. Thank you.
_______________
NOTE: This can be printed in a "notice" space on September bank statement
cycles.
<PAGE>
RYAN, BECK "BROKER DEALER" LETTER
[Ryan, Beck Letterhead]
Dear Sir/Madam:
At the request of Waypoint Financial Corp., we are enclosing materials regarding
the offering of Waypoint Financial common stock. We have included in the package
a Prospectus describing the stock offering. Ryan, Beck & Co., Inc. has been
retained by Waypoint Financial as selling agent in connection with the stock
offering.
We have been asked to forward these materials to you in view of certain
regulatory requirements and the securities laws of your state.
Sincerely,
Ryan, Beck & Co.
This letter is neither an offer to sell nor a solicitation of an offer to buy
common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
____________________________
NOTE: To accompany, not replace, one of the preceding letters for prospects in
states where the offer must be made by a broker-dealer.
<PAGE>
OPERATIONS CENTER POSTER
LOOKING FOR OUR
STOCK INFORMATION CENTER?
Please see receptionist for assistance.
<PAGE>
COMMUNITY MEETING INVITATION FOR ENCLOSURE IN MAILING PACKAGES
FRONT
You Are Cordially Invited. . .
To an Informational Meeting and Reception
to learn about the business focus of Waypoint Financial Corp., its stock
offering and the merger of Harris Savings Bank and
York Federal Savings and Loan Association
[Put location here]
September __, 2000
[Put location here]
September __, 2000
7:00 p.m.
Light Refreshments Served
SEATING IS LIMITED
Please call to make your reservation.
Toll free (877) 902-7556
Monday through Friday,
9:00 a.m. to 4:00 p.m.
Waypoint Financial [LOGO]
This invitation is neither an offer to sell nor a solicitation of an offer to
buy common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government agency.
<PAGE>
NEWSPAPER ADVERTISEMENT)
WAYPOINT FINANCIAL [LOGO]
(Holding Company for Harris Savings Bank)
Up to 26,450,000 SHARES
Common Stock
PRICE
$10.00 Per Share
Waypoint Financial, Corp., newly-formed to replace Harris Financial, Inc. as the
holding company for Harris Savings Bank, is conducting an offering of common
stock. Shares may be purchased directly from Waypoint Financial during the
offering period.
This stock offering expires at 10:00 a.m. on _______________, 2000.
**
You Are Cordially Invited. . .
To an informational meeting and reception to learn about the business focus of
Waypoint Financial, its stock offering and the proposed merger of Harris Savings
Bank and York Federal Savings and Loan Association.
[Put location here] September __, 2000 7:00 p.m.
[Put location here] September __, 2000 7:00 p.m.
Light Refreshments Served
**
To make a reservation or receive a copy of the Prospectus, call our Stock
Information Center toll free at (877) 902-7556, Monday through Friday, 9:00 a.m.
to 4:00 p.m.
This advertisement is neither an offer to sell nor a solicitation of an offer to
buy common stock. The offer is made only by the Prospectus. The shares of common
stock are not savings accounts or deposits and are not insured by the Federal
Deposit Insurance Corporation or any other government
Note: Another ad version could look slightly different, to more specifically
----------------------------------------------------------------------------
attract York community.
----------------------
<PAGE>
[COMMUNITY MEETING INVITATION FOR MAILING PACKAGES - Continued]
--------------------------------------------------------------------------------
BACK
Waypoint Bank [Logo]
Harris Savings [Logo] York Federal [Logo]
