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Get to Know Our Team -- Personally!
CHRISTOPHER PULCHER
Universal Banker III

Chris entered the banking sector in 2006 and has gained valuable experience working at banks and credit unions in the Philadelphia region. He specializes in banking office operations, consumer and small business lending, and delivering personal service that helps customers solve their problems and achieve their goals.

Chris enjoys building relationships with our personal and business banking clients. Since joining Hyperion Bank in October 2019, he looks forward to becoming involved in community activities and meeting more of our neighbors, customers, and friends. He appreciates the opportunity to work at a community bank, where he feels more personally connected to customers and can be a part of Hyperion Bank's impact in its important role as a community builder.

Chris received his B.S. degree in Organizational Leadership & Management from Peirce College, and earned an Associate's degree in Financial Services from University of Phoenix. He lives in Collingdale, PA.

Fun fact: Chris loves to travel and explore new areas, and also helps Boy Scouts earn their money badge as a Financial Counselor with Boy Scouts of America. Where is his favorite destination? Email Chris.
ECONOMIC OUTLOOK
Q1 2020: What to watch in Q1 and beyond
by Lara Rhame
Chief U.S. Economist, FS Investments
Lara Rhame, Chief U.S. Economist for FS Investments and a member of the Hyperion Bank Board of Directors, writes: "The U.S. economy enters 2020 coasting on the longest expansion on record. The consumer has been the main positive driver of growth, but business sentiment has weakened notably. We expect growth to moderate closer to the long-run trend pace of 1.7%. This gradual slowdown could re-ignite growth concerns, revive policy uncertainty and make it harder for financial markets to gain traction.

Record-long economic expansion set to continue

Thank household consumption for the record economic expansion. Through 11 years of growth, the longest uninterrupted stretch on record, the household has offset isolated weakness in the energy sector (in 2015–2016) and sluggish business investment and trade-related uncertainty (2018–2019). Indeed, over the past five years, consumption has grown faster than the overall economy in all but three quarters.

Given the importance of household spending for our overall economy, this sector rightly deserves close attention, and the good news is that the outlook is positive. The labor market has bolstered consumer confidence, but the household balance sheet deserves credit, too. Households have increased savings during this expansion and lowered leverage levels. This not only supports current consumption, but provides an important buffer against future headwinds or an uptick in uncertainty."

Read Lara's FULL REPORT for her excellent analysis and perspective. Click to DOWNLOAD.

Thank you to Lara Rhames and  FS Investments for sharing this valuable information with our readers.

This information is educational in nature and does not constitute a financial promotion, investment advice or an inducement or incitement to participate in any product, offering or investment. Hyperion Bank and FS Investments are not adopting, making a recommendation for or endorsing any investment strategy or particular security. All opinions are subject to change without notice, and you should always obtain current information and perform due diligence before participating in any investment. Hyperion Bank and FS Investments do not provide legal or tax advice, and the information herein should not be considered legal or tax advice. 
TEAM NEWS
Hyperion's "touch" and tech is in the news
The Community Bankers’ Association of Georgia includes coverage of Hyperion Bank in the Jan/Feb issue of its magazine. You can read the article about the growing Atlanta banking market here.

The terrific article concludes by quoting Hyperion’s Charlie Crawford , “Atlanta is abuzz with new banking activity and we’re happy to be part of that exciting mix. We like to create win-win-wins for our customers, our investors, and our communities!”

How can we exceed your banking expectations? Let us know….
FEATURED BUSINESS SPOTLIGHT
Hyperion Bank welcomes and supports local businesses who make our communities great places to live and work. We hope you'll join us as we introduce you to businesses and friends who make our neighborhoods unique!
Introducing...
TULA YOGA + WELLNESS
737 N. 4th St., Philadelphia, PA 19123
Successful entrepreneurs say the best way to start a business is to identify a problem and solve it--and it helps if you are passionate about the problem you plan to solve. For business owners and best friends Jenn Curren and Carly Markowitz, the problem was finding yoga and wellness services in the Northern Liberties neighborhood where they live. Their solution was to start Tula Yoga + Wellness, which opened in December 2019.

"We saw that there were not many options for yoga and additional wellness services in our neighborhood, so we felt that if we were looking for these services, others might need them, too. And as members of this community, it was important for us to serve the neighborhood where we are already so immersed," say Jenn and Carly. "Running a business with your best friend makes it feel less like work. We are really passionate about the yoga services we provide, and having everything so close to home isn't bad either!"

In creating Tula Yoga + Wellness, Jenn and Carly are "on a mission to build a community space where people can come together to practice yoga, connect with one another and enjoy some much needed self care." Their yoga studio offers classes for all levels in alignment-based Vinyasa (their passion) seven days a week, plus daily classes in Yoga Basics, Rise and Flow, Gentle Flow, Restorative Yoga, Well Women's Yoga, Family Yoga, and strength-training Strength and Flow classes.

The business partners say that they love banking with Hyperion for a number of reasons: "First, it was important to us to support another business in the neighborhood, and the personal attention really sealed the deal. As first-time business owners, the employees at Hyperion were incredibly helpful and supportive in helping us get our business up and running."

Jenn and Carly invite everyone to try a class or workshop at Tula Yoga + Wellness: "We offer classes for people of ages and skill levels including basics, open levels and even family yoga! Visit us at tulayogaphilly.com for the full class schedule and workshop list!"
Tula Yoga + Wellness owners Jenn Curren and Carly Markowitz at their yoga studio.

Connect with Jenn and Carly on Facebook, Twitter, and Instagram: @tulayogaphilly
Featured Banking Services:
Customers LOVE our Free Personal Checking
Have you checked out all the sweet benefits of our Free Personal Checking account?
Hyperion Bank's Free Personal Checking gives you the freedom to bank electronically at your convenience and enjoy exceptional personal service by phone or at our banking offices. And when you open your Free Personal Checking account, you'll receive a free MasterCard Debit Card that enables you to withdraw funds from your account at ATMs around the world!

We're featuring our Free Personal Checking in February because customers tell us they LOVE its sweet benefits, including ATM-fee rebates and no requirements for transaction minimums or direct deposit. Looking for a better checking account? Set up your Hyperion Bank Free Personal Checking account today and feel the LOVE!

Hyperion Bank's FREE PERSONAL CHECKING account features:

  • No monthly service charges or fees
  • No minimum balance requirements
  • Only $50 deposit required to open your account.
  • ATM rebates up to $25 per statement cycle (for domestic withdrawals from your Free Personal Checking account)
  • Earn interest on balances over $10,000
  • Unlimited check writing
  • FREE MasterCard Debit Card, with no Hyperion Bank fees when you use your debit card at any ATM, anywhere*
  • FREE Online Banking and Bill Payment
  • FREE Telephone Banking
  • FREE eStatements (Paper statements available at $3.00 per statement cycle)
  • FREE Starter Checks
  • Ask about Overdraft Protection

Call 215.789.4200, email  customerservice@hyperionbank.com  or visit our office to set up your Free Personal Checking account today.

*ATM fees may be charged by other banks when you use your Hyperion Bank debit card at their ATMs.
Considering a New Home Purchase?
This strategy might help you do it!
Ask us how you can use gift funds to help you buy a home or condo. Brett Warren, our residential mortgage expert, offers valuable personal service to help you obtain the best possible loan and guide you through the process, every step of the way.

Contact Brett Warren at 267-205-3802 o r bwarren@hyperionbank.com.

Brett Warren NMLS 143004; Hyperion Bank NMLS 631177. Offer of credit subject to credit approval.
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Questions or comments? Contact Lauren Flowers .
Community Corner
Warm up with indoor winter fun for families and adults, all through February!
Black History Month in the Philadelphia Region
February 1-29, Various regional locations
Philadelphia and the region offer a diverse array of ways to celebrate and be inspired by the contributions African-Americans have made to our country's history and culture. Enjoy special exhibits, events, and programming at many area museums, including The African American Museum in Philadelphia, the Museum of the American Revolution, the National Marian Anderson Museum, the Penn Museum, Paul Robeson House, Cliveden, The Philadelphia Museum of Art, the Pennsylvania Academy of Fine Arts, the Free Library of Philadelphia, The Library Company of Philadelphia, and The Brandywine Museum (in Chester County), which is presenting 55 historic photos of the 1965 voter rights march from Selma to Montgomery, Alabama, by Stephen Somerstein, through June 14th. Black History Month also offers many opportunities to experience exceptional performances, from Capathia Jenkins and R&B singer Ryan Shaw with The Philly POPS in a show honoring Aretha Franklin at the Kimmel Center (Feb. 14-16), to Alicia Olatuja (Feb. 16) and Angelique Kidjo (Feb. 20) at Annenberg Center for the Performing Arts, to the Voices of Hope Black History Month Celebration (Feb. 20, 6 pm) at the Please Touch Museum, to Yolanda Wisher's Rent Party at The Rosenbach (beat poetry movement, vocal and drum performances; Feb. 20, 7 pm), to the Ladies Night Out: Comedy Tour (Feb. 22, 8 pm) at The Met Philadelphia, to Jazz in the Planetarium (Feb. 25. 6:30-8 pm) at The Franklin Institute, and much more! And don't miss the conversation and book-signing with poet Haki Madhubati , winner of a National Endowment for the Arts award and founder of Third World Press, the oldest independent publisher of Black literature in the US (Feb. 21, 2-4 pm, free), hosted by the Charles L. Blockson Afro-American Collection at 1330 Polett Walk on the Temple University campus. There's so much to do--lucky there's an extra day this month, thanks to Leap Year! Learn more. Photo of The African American Museum in Philadelphia by J. Fusco courtesy Visit Philadelphia.
Getaway at the Greenhouse, February 1-16
Fairmount Park Horticultural Center, Phila.
Take a vacation without leaving Philadelphia when you Getaway at the Greenhouse at the Fairmount Park Horticultural Center, located at 100 N. Horticultural Drive, Philadelphia. Back for its second year, the Getaway offers indoor fun for all ages, with five different "rooms" encompassing 20,000 square feet of summer-inspired fun. Relax in Adirondack chairs while you listen to live music in The Campground ; play games and spread out a blanket to relax on the green grass of The Lawn ; or enjoy refreshments from local food truck vendors, plus a cash bar for craft beer, wine, and handcrafted cocktails on The Midway . Families with young children will have fun playing in The Beach area's indoor sandbox, or visiting The Jungle to see traveling zoos, kids rock DJ, face painting, balloon artists, and GAIA--a 10-foot in diameter sculpture by UK artist Luke Jerram featuring detailed NASA imagery of the Earth's surface, with surround-sound music by award-winning composer Dan Jones. Admission is free, but you are encouraged to register for a timed ticket to ensure admission, and the Fairmount Park Conservancy welcomes your optional $5 donation when you reserve your visit online. Times vary: the Greenhouse opens at 9 am on Monday through Friday and 10 am on Friday, Saturday Sunday; and closes at 3 pm on Mondays and Tuesdays, and 10 pm on Wednesdays through Sundays (except Feb. 2 & 16, when it closes at 7 pm). New this year: take the free PHLASH shuttle service running every 30 minutes between LOVE Park in Center City, the Philadelphia Museum of Art, the Please Touch Museum, and the Horticultural Center. Learn more. Photos courtesy Fairmount Park Conservancy & Visit Philadelphia.
Philadelphia Auto Show, February 8-17
Black Tie Tailgate Party, February 7, 7-11:30 pm
Pennsylvania Convention Center, Philadelphia
Find more indoor fun at the Philadelphia Auto Show, where you can see (and sometimes get inside or test drive) hundreds of concept, classic, luxury, and exotic cars from every major vehicle manufacturer, plus meet celebrities, and enjoy live music and exciting special events and exhibits. Check out the super car lineup of some of the world's fastest vehicles, including the debut of the American hypercar, the SSC Tuatara ; and see famous cars from favorite films in the Hollywood Rides exhibit. A highlight of the annual Auto Show is the Black Tie Tailgate party (Feb. 7), which over the last two years has raised $1.2 million for the Children's Hospital of Philadelphia Department of Nursing & Clinical Care Services. The 2020 party will again benefit the Department of Nursing's patient, family, community, and staff programs and initiatives; advance tickets are required. The event is presented by the Auto Dealers Association of Greater Philadelphia (ADAGP), which has been contributing to Children's Hospital of Philadelphia since 1986. Learn more. Photo by R. Kennedy courtesy Visit Philadelphia.
Winterfest Live! The Philadelphia Winter Craft Beer Festival, February 15, 2-6 pm
Xfinity Live!, South Philadelphia, ages 21+
Looking for a fun way to warm up this winter? Get tickets for Philadelphia's largest winter craft beer festival, featuring more than 150 lagers, porters, stouts, gluten-free beer and hard cider from over 75 breweries. Admission includes your own custom stein, unlimited samplings, a full day of entertainment by live DJs and bands, games and contests, prizes and giveaways, and outdoor fire pits. Attendees must be 21+ with ID; tickets required. Xfinity Live! is located at 1100 Pattison Ave., Philadelphia, PA 19148.
Learn more & Buy tickets. Image courtesy Xfinity Live!.
PHS Philadelphia Flower Show
February 29 - March 8
Preview Party Gala, February 28
Pennsylvania Convention Center, Philadelphia
Leap into spring on Leap Day, February 29, when the historic 9-day Philadelphia Flower Show kicks off with "Riviera Holiday"--a theme beautifully designed to transport visitors to the sunny European Mediterranean coast. The world's largest indoor flower show is an annual extravaganza of lush landscape designs, DIY workshops, lectures, juried competitions, parties, food, and a marketplace featuring plants and bulbs, plus unique jewelry and apparel, and items for home and garden. For an advance look, get tickets to the Preview Party Gala on February 28, which supports essential Philadelphia Horticultural Society (PHS) services that improve the health and well-being of people throughout the Greater Philadelphia region. And whenever you go, look for a special exhibit showcasing Philadelphia's connection to Monaco-- the Princess Grace Rose Garden --with thousands of roses surrounding a replica of the wedding dress that movie star and Philadelphia native Grace Kelly wore when she married Prince Ranier III of Monaco in 1956. Tickets range from $17-$48; for best pricing buy online before February 28 (or join PHS to receive complimentary tickets with your membership). Learn more.
Photo of 2019 Philadelphia Flower Show by M. Fischetti courtesy Visit Philadelphia.
We proudly serve customers in the greater Philadelphia and Atlanta regions and beyond. Ask us how you can enjoy our personal service and convenient mobile banking, wherever you live.
HYPERION BANK |  199 W. GIRARD AVE., PHILADELPHIA, PA 19123
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