In October 1963, a group of IBM employees had a vision—to create a financial cooperative for IBM employees and their families, where the needs of the individual would be placed before profit. Our product line in the beginning was modest, consisting of basic savings and consumer loans. By the end of our first year, the credit union had 14 member accounts and $172 in assets. Our name has changed over the years, our assets, products, and services have grown. Our membership has evolved to reflect the changing needs of our surrounding community but our mission and vision remain the same. Today, Hudson Valley Credit Union is a full service not-for-profit financial cooperative, 300,000+ members strong. We extend membership to our neighbors who live, work, worship, volunteer or attend school in Albany, Columbia, Dutchess, Greene, Orange, Putnam, Rensselaer, Rockland, Saratoga, Schenectady, Ulster, or Westchester Counties. HVCU is federally insured by the NCUA. Equal Housing Opportunity. View our social media policy: https://www.hvcu.org/social-media-policy/

Fairfield County Bank is a $1.9 billion community bank founded in 1871 in Ridgefield, Connecticut. Through our 16 offices, Fairfield County Bank offers a broad range of products and services to the residents, businesses, and municipalities in Fairfield County, Connecticut. We are the recent recipient of the prestigious Bauer Financial Five-Star rating and the Warren Press “Fast 50” Commercial Lender Award. We have been the Top Ten Residential Lender in Connecticut for three consecutive years. We are committed to providing excellent service to our customers at every point of contact. We engage with our customers and continually exceed their expectations by having well trained professionals dedicated to our culture of service excellence. Fairfield County Bank invests in the communities we serve through business and residential loans. We actively participate in community support. We focus on our communities'​ needs through extended employee volunteerism and corporate contributions. Our service offering is designed to provide ease of access wherever our clients choose; whether in a branch or at an offsite ATM location, online, on a mobile device, at a point-of-sale, or on the telephone. We are here, there and everywhere. Call us at 877.431.7431 Member FDIC | Equal Housing Lender | NMLS # 516624 Fairfield County Bank advises content posted is general in nature and does not constitute legal, tax, accounting, financial or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of posted third party articles and content, nor do we endorse any third-party companies, products, or services described here, and we take no liability for your use of this information. LinkedIn is a social network. Never disclose any personal banking information or non-public information on this site.

Union Savings Bank, established in 1866, is a $3.0 billion mutual bank dedicated to providing excellent service to its customers and communities. Headquartered in Danbury, Connecticut, Union Savings Bank is a full-service financial institution providing banking, mortgage, investment and insurance products to individuals, businesses, not-for-profit organizations and government entities throughout western Connecticut. Dedicated to growth and progress, Union Savings Bank continuously seeks new ways to better serve our customers – from increased convenience through branch expansion to mobile and online banking. As a local community bank, we think that helping our communities is the right thing and it’s the neighborly thing to do. Our customers find us to be so much more than just a bank. We are expert advisors and caring community members unified by our history of stability and driven by our mission to help our customers and communities plan, grow and succeed. Union Savings Bank has 25 branches in 18 towns, located in Bethel, Brookfield, Canton, Danbury, Kent, New Fairfield, Goshen, Litchfield, Marble Dale, Monroe, New Milford, Newtown, Norwalk, Ridgefield, Roxbury, Southbury, Torrington and Washington Depot. Visit us at http://www.unionsavings.com Member FDIC. Equal Housing Lender.

Ulster Savings Bank is a local community bank with 170 years of service to the community. Headquartered in Kingston, NY, Ulster Savings Bank has locations throughout the Hudson Valley. Visit us at www.ulstersavings.com or call toll-free 866-440-0391. (Investment, Tax, Payroll, and Insurance products and services available through Ulster Insurance Services, Inc. and Ulster Financial Group, Inc., subsidiaries of Ulster Savings Bank, are NOT FDIC INSURED.) We serve the needs of individuals and small businesses with a diverse menu of products and services and the latest banking technology: • In-branch, online and mobile banking • Residential and commercial mortgages • Consumer loans and lines of credit • Investments and retirement planning* • Home, auto and commercial insurance* • Tax preparation* • Payroll processing* *THESE PRODUCTS AND SERVICES ARE OFFERED THROUGH OUR SUBSIDIARIES, ULSTER INSURANCE SERVICES, INC. AND ULSTER FINANCIAL GROUP, INC. AND ARE NOT FDIC INSURED. ULSTER SAVINGS BANK. MEMBER FDIC. EQUAL HOUSING LENDER. NMLS# 619306

Mid-Hudson Valley Federal Credit Union (MHV) is committed to guiding our members to discover their financial possibilities, wherever they are on their journey. From everyday tools to lending solutions to investment and retirement guidance, MHV offers the products, services and expertise to help members navigate their unique path. We support our fellow mid-Hudson Valley businesses, too, offering banking solutions, lending opportunities, financial advisors and Corporate Partner benefits for all of our business members. MHV is here for your financial journey. Federally Insured by NCUA. Equal Housing Lender. Affirmative Action/Equal Opportunity Employer

Orange Bank & Trust Company is an independent bank that began with the vision of 14 founders over 130 years ago. It has grown through conservative banking practices, ongoing innovation and an unwavering commitment to its community and business clientele to more than $2.5 billion in total assets. In recent years, Orange Bank & Trust has added branches in Rockland, Westchester and the Bronx.

Rhinebeck Bank is a full service, locally focused bank headquartered in Poughkeepsie, NY. We offer a full range of personal checking, savings, money market and certificates of deposit as well as, home equity lines of credit and mortgages. For commercial customers we offer a broad variety of products and services for sole proprietors, partnerships, and corporations. We have expanded our product line to include insurance and investment services and recommitted ourselves to exceptional customer service. (Rhinebeck Bank, Member FDIC, Equal Housing Lender, all loans subject to credit approval, NMLS #: 477976)

Established in 1849 and headquartered at 220 Main Street, Danbury, Ives Bank is a mutual savings bank with assets in excess of $1.6 billion. Ives Bank has 16 branch offices in Bethel, Brookfield, Danbury, New Fairfield, New Milford, Newtown, Norwalk, Southbury, Stamford, and Waterbury. Stamford Mortgage Company, a division of Savings Bank of Danbury, has a local office on Summer Street in Stamford. Ives Bank provides a full array of deposit, savings and lending products for individuals and businesses, and we’re a Small Business Administration (SBA) approved lender. We provide convenient, quick service through technology that allows you to access your accounts and manage your money on the go, anytime. As a Connecticut community bank, we are proud to support our local communities. Ives Bank Foundation was established in 2004 to provide grants to eligible 501(c)(3) tax-exempt organizations in five primary areas: Affordable Housing; Arts & Culture; Community & Economic Development; Education; and Health & Human Services. The Foundation’s mission is to help strengthen our local communities by providing grants to organizations that are vital to the well-being, growth and prosperity of the places in which we live and work. Since its inception, the Foundation has donated over $1.6 million to area non-profit organizations. For more information about Ives Bank, visit www.IvesBank.com or Facebook at www.facebook.com/IvesBank.

We are a community-based financial institution focused on developing relationships with our customers and the communities we serve. Our unique products set us apart, and make us the bank of choice in our market place. And our knowledgeable, caring staff differentiates us by serving as advisors to both consumers and businesses. Our select products and services include Checking and Savings accounts, commercial and residential loans and mortgages, investment services and our Visa® Rewards and Greene Loyalty program. We have been proudly serving the Hudson Valley and Capital Region for over 130 years.

Since we opened our first branch in 1872, it has been our top priority to help our neighbors realize their dreams, grow local businesses and support the people that make a difference in our community. These people, like you, are who we work hard for every day by ensuring their money is safe and secure. That means providing our community with the best personal and business products available. For additional informaiton please visit www.waldensavingsbank.com or call 845-457-7700. These products include: Personal and Business Banking Mortgage Loans Consumer Loans Commercial Loans Investment Services* Locations: Circleville Branch 2108 Route 302 Circleville, NY 10919 Cornwall Branch 321 Hudson Street Cornwall-on-Hudson, NY 12520 Florida Branch 95 N. Main Street Florida, NY 10921 Gardiner Branch 2356 State Route 44/55 Gardiner, NY 12525 Middlehope Branch 5239 Route 9W Newburgh, NY 12550 Montgomery Branch 99 Clinton Street Montgomery, NY 12549 New Windsor Branch 213 Quassaick Avenue New Windsor, NY 12553 Pine Bush Branch 50 Boniface Drive Pine Bush, NY 12566 Walden Branch 2 Bank Street Walden, NY 12586 Washingtonville Branch 127 East Main Street Washingtonville, NY 10992 *Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera advisory services agreement and Disclosure Brochure, as Cetera Investment Services LLC is a registered broker-dealer, registered investment adviser and licensed insurance agency. Member FINRA/SIPC. Cetera is not affiliated with Walden Savings Bank. Securities, advisory services and insurance products offered by Cetera: Not FDIC insured • May go down in value • Not Bank guaranteed • Not a Bank deposit • Not guaranteed by any governmental agency. Walden Savings Bank. Member FDIC. Equal Housing Lender

At National Bank of Coxsackie, we pride ourselves on being a reliable hometown bank that focuses on customer service. We are committed to providing you with the finest products and services possible. National Bank of Coxsackie understands that not every individual is the same and views our customers as such. We will always go the extra mile to make sure that our customers’ needs are met. Having been around since 1852, we are still that hometown bank you can trust. The National Bank of Coxsackie is an independent, locally owned, community commercial bank founded in 1852 as the State chartered Bank of Coxsackie. In 1865 the bank took a Federal charter and its present name of National Bank of Coxsackie. The bank first opened for business in 1853 in space it purchased and renovated at the end of Reed Street at the right hand side of the building that currently houses the Heermance Memorial Library. The bank moved to its present location at 5 Reed Street in 1869. The bank opened its first branch office in Greenville in 1966; its second location (drive-in facility only) in West Coxsackie in 1975; its third branch office in Ravena in 1976; a new full-service office with new drive-in facility in West Coxsackie in 1985 (to replace the 1975 structure); a fourth branch office in Catskill in 1987 (subsequently closed in 1993); a fifth branch office in Athens in 1992 as an acquisition from Key Bank of Eastern New York; and a sixth branch office in Cairo opened in May of 2006.

Community. It's where we live and work and grow. Strong communities thrive when people support local jobs and businesses. That's what Heritage Financial Credit Union is all about. We exist solely to empower and support the financial growth of our people and our communities. We offer all of the full service capabilities as a big bank - checking, savings, loans, online banking and so much more - but we don't pay shareholders. Earnings are put back in the form of lower rates, member dividends, jobs, community support, financial literacy and philanthropy. For over 80 years, we've been helping members achieve their financial goals. Since, 1940, Heritage Financial CU has been a not-for-profit cooperative association. Member accounts are fully insured up to $250,000 by the NCUA. Anyone who lives, works, worships, or goes to school in Orange, Ulster, Dutchess, Rockland, Sussex, or Pike counties can open an account with as little as $0.01. Delivering world-class service through personalized banking...every member, every time. Federally Insured by NCUA • Equal Housing Opportunity • Equal Opportunity Employer • Privacy Policy: https://heritagefcu.com/privacy-notice/