NBT Bancorp Inc. is a financial services holding company headquartered in Norwich, N.Y. The company primarily operates through NBT Bank, N.A., a full-service community bank and two financial services companies. NBT Bank has over 150 locations in seven states with offices in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. NBT Bank is an Equal Housing Lender and member of FDIC. EPIC Advisors, Inc., based in Rochester, N.Y., is a full-service 401(k) plan recordkeeping firm. NBT Insurance Agency, LLC, based in Norwich, N.Y., is a full-service insurance agency.

BHG is transforming the financial industry; leveraging the power of data, analytics, and cutting-edge technology to become not only the number one source for professional loans, but also the creator of the largest community bank loan and product network in the country. Since 2001, BHG has originated more than $15 billion in loan solutions to top-quality borrowers, which community and midsize banks can access via a state-of-the-art loan delivery platform. Building on nearly two decades of innovation, BHG and its family of brands now offer a full suite of financial solutions that span business, consumer, and SBA 7(a) loans, credit cards, collection services, risk management services, and point-of-sale financing. With record growth year after year, BHG continues to be recognized regionally and nationally: earning a spot on the Inc. 5000 for 16 years running, and receiving accolades from Great Place to Work® and Fortune magazine, among others. BHG is partially owned by Pinnacle Bank (PNFP) and has headquarters in Davie, FL, Syracuse, NY and Atlanta, GA.

Empower Federal Credit Union is a full-service financial institution that provides savings, loan, and transaction services to members in Central New York, and in eight counties in New York State. Main offices are located in Syracuse NY. As a credit union, Empower is a financial cooperative and is not-for-profit. For information go to www.empowerfcu.com. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CFS”), a registered broker-dealer (Member FINRA www.finra.org /SIPC www.sipc.org ) and SEC Registered Investment Advisor. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. The Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

As a credit union, AmeriCU is a not-for-profit financial institution owned by our members. Serving 24 counties in New York and beyond, AmeriCU provides you with all the products and services you need – often with low or no fees, and better rates. The organization has been serving the local community for over 70 years and, in that time, has grown to more than 160,000 members, 20 financial centers, and $2.7 billion in assets. AmeriCU is located in Central New York and is among the State’s largest, full-service financial cooperatives. For more information, visit www.AmeriCU.org. Equal Housing Lender – Federally Insured by NCUA – Membership Eligibility Required.

Serving the Greater Central New York community for 100 years, Solvay Bank continues to strive to provide consumers and small business customers outstanding service and quality financial products. We are a people-oriented, independent, commercial bank that focuses on meeting the needs of the communities we serve. We seek to deliver the investment return expectations of our shareholders while enriching the community through our contributions and the involvement of our employees. Solvay Bank provides a rich, rewarding work environment for its employees. We recognize the value of a strong, committed workforce and we value the contribution of each and every person in our Bank. Solvay Bank Mission Statement Our mission is to provide the best experience for our customers to help make their financial dreams come true, while upholding socially responsible and community-minded principles, and delivering value to our shareholders. Solvay Bank Values Excellence: We are committed to exceed expectations in the work we do. Pride: We are Professional, Responsive, Innovative, Dedicated, and Enthusiastic in our relationships with our co-workers and customers. Teamwork & Respect: We value one another and strive for excellence in the customer experience. Engagement: We work with a common purpose to connect with our community and to uphold the mission, values, and goals of our Bank.

You are more than just a customer, and we are more than just a financial institution. At Adirondack Bank, we value putting a face to a name. That’s why for over a century we’ve personally dedicated ourselves to delivering trusted, full-service community banking to the families and businesses of Upstate New York. Adirondack Bank consistently provides cutting edge banking, standing as an eight-time recipient of the Small Business Lender of the Year Award by the U.S. Small Business Administration, with 53 consecutive quarters on the BauerFinancial Inc. "Recommended Bank List.”

Bank of Utica is a full service commercial bank headquartered in Utica, NY. Bank of Utica offers a traditional line of products expected at a community bank, as well as some cutting edge services offered at larger banks. Bank of Utica was founded in 1927 and has been locally owned and operated since its inception.

Geddes Federal Savings & Loan Association offers competitive residential mortgage rates, home equity & HELOC loan rates. The Association is also well known for its CD and IRA products, as well as money market accounts, savings & checking products. Geddes Federal Savings & Loan Association offers truly local banking since 1949 to our loyal customers; Contact us at 315-468-6281 or online at geddesfederal.com.

Resort Funding LLC is a financial services company based out of 360S Warren St, Syracuse, New York, United States.

GPO Federal Credit Union is proud to be one of the area’s largest credit unions, serving more than 30,000 members from Oneida, Herkimer, Madison Counties and beyond. As a credit union, we are a not-for-profit, member-owned financial cooperative. At GPO, our mission statement is simple, ‘Our Focus is You’. We aim to serve our members by providing lower loan rates, higher savings rates, fewer fees and great products and services.

ACMG Federal Credit Union is a federally insured, not-for-profit financial institution that proudly serves the needs of its members.

Paragon Home Loans, Inc. is a licensed mortgage banker by the New York State Department of Financial Services. Founded in 1976, We have eight convenient locations in Syracuse, Buffalo, Plattsburgh, Binghamton, Utica, Lake Placid, Cortland and Corning. In addition to mortgages in New York State, we also provide residential mortgages in Pennsylvania. Paragon Home Loans, Inc. is an A+ accredited lender with the Better Business Bureau and continues to have an outstanding reputation. Processing, underwriting and closing are completed locally by Paragon. Paragon Home Loans, Inc. is an Equal Housing Lender. www.paragonhomeloans.com