Loans REDCO Business Banking Personal Banking Resources Online Banking The upstate bank About Us The Upstate National Bank is a nationally-chartered community bank headquartered in Rochester, NY focusing on providing a safe and secure environment for clients to transact, invest and borrow while simultaneously enabling and enhancing community prosperity and growth in the markets we proudly serve. Founded in 1922, our specialty is servicing both the investment and capital borrowing needs of small and medium size businesses, entrepreneurs and professionals within our geographic marketplaces. Our menu of products and services is uniquely tailored to our clientele and evolved out of working closely with our corporate and professional customers in order to develop products with cost efficient attributes and qualities that address their everyday banking needs. Experienced Management Team Upstate Bank's management team is vastly experienced in all aspects of Commercial Banking Kathleen R. Whelehan President & Chief Executive Officer Raymond W. Steinmetz Jr., C.P.A. Executive Vice President, Chief Financial Officer Frank J. Cipriano Executive Vice President, Chief Lending Officer 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 Business Checking Checking This account provides free business checking for balances under $5,000, and as your balances average over $5,000, the account will earn interest. Additional Services Debit Cards All Upstate Bank checking accounts are eligible for a Visa branded debit card, which includes free access to over 50,000 ATM's through the Allpoint network. Wire Transfers Customers can conduct secure wire transfers to move money between banks. Contact your local branch for more details! 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 Personal Checking Checking This account provides free checking for balances under $5,000, and as your balances average over $5,000, the account will earn interest. NOW Checking This account allows you to earn interest on a tiered basis based on the average daily collected balances and combines the functionality of both a checking and savings account. All Upstate Bank checking accounts are eligible for a Visa branded debit card, which includes free access to over 50,000 ATM's through the Allpoint network. Additional Services Debit Cards All Upstate Bank checking accounts are eligible for a Visa branded debit card, which includes free access to over 50,000 ATM's through the Allpoint network. Wire Transfers Customers can conduct secure wire transfers to move money between banks. Contact your local branch for more details! E: customerservice@upstatebank.com Main Office: 150 State Street, Suite 320, Rochester, NY 14614 T: 585-454-3450 © 2019 The Upstate National Bank.