Loans REDCO Business Banking Personal Banking Resources Online Banking The upstate bank Our Services E: customerservice@upstatebank.com Main Office: 150 State Street, Suite 320, Rochester, NY 14614 T: 585-454-3450 © 2019 The Upstate National Bank.

Loans REDCO Business Banking Personal Banking Resources Online Banking The upstate bank Our Team Kathleen R. Whelehan President and Chief Executive Officer kwhelehan@upstatebank.com 585-672-6688 Tom O'Neil SVP, Commercial Lending Officer toneil@upstatebank.com 585-738-4723 Sandy Coon Vice President, Operations scoon@upstatebank.com 585-672-6697 Michelle Peterson AVP, Accounting Operations Analyst mpeterson@upstatebank.com 585-672-6693 Raymond Steinmetz Jr., CPA Executive Vice President, CFO rsteinmetz@upstatebank.com 585-672-6689 Ed Tuohey SVP, Commercial Lending Officer etuohey@upstatebank.com 585-672-6694 Michael Woods SVP, Commercial Lending Officer mwoods@upstatebank.com 585-672-6695 Frank J. Cipriano Executive Vice President, CLO fcipriano@upstatebank.com 585-672-6692 Christine Geller SVP, Commercial Credit Admin Manager cgeller@upstatebank.com 585-672-6690 Laura Anderson, CAMS Vice President, Regulatory Compliance landerson@upstatebank.com 585-672-6686 E: customerservice@upstatebank.com Main Office: 150 State Street, Suite 320, Rochester, NY 14614 T: 585-454-3450 © 2019 The Upstate National Bank.

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