Independent Banker's Association of New York

ASSOCIATES

Amalfi Consulting, LLC

Jean Riley

Vice President

33 Railroad Avenue

Duxbury, MA 02332

Phone: (781) 934-8400

Fax: (781) 934-8402

Website: www .amalficonsulting.com

E-mail: jean.riley@amalficonsulting.com

Consultant

Ambassador Financial Group

Eric Tesche

Managing Director

1605 N. Cedar Crest Blvd. Suite 508

Allentown, PA 18104

Phone: (866) 240-3898

Website: www.ambfg.com

E-mail: etesche@ambfg.com

Financial Services, Broker/Dealer

Arthur Warren Associates

Arthur Warren

1600 Boston Providence Hwy.

Walpole, MA 02081

Phone: (508) 660-0280

Fax: (508) 660-0279

Website: www.afwarren.com

E-mail: arthur@afwarren.com

Benefits

Atlantic Central Bankers Bank
Jon Evans

President & CEO

1400 Market Street, PO Box 1109
Camp Hill, PA 17001
Phone: (717) 441-4616
Fax: (717) 737-7975
Website: www.atlanticcentral.com

E-mail: evans@atlanticcentral.com

Brian Good

Correspndent Banking Officer

1400 Market Street, PO Box 1109
Camp Hill, PA 17001
Phone: (717) 737-9335
Fax: (717) 737-1628
Website: www.atlanticcentral.com

E-mail: good@atlanticcentral.com

Correspondent Banking

ATM USA, LLC

Rick Kowalski

Director, Financial Institutions Channel

2200 Gateway Centre Blvd., Suite 220

Morrisville, NC 27560

Phone: (716) 713-7914

Website: www.atmusa.net

E-mail: rkowalski@atmusa.net

Equipment

Austin Associates, LLC

Paul L. Simoff

Principal

7205 West Central Avenue

Toledo, OH 43617

Phone: (419) 841-8521 ext. 111

Fax: (419) 841-8380

Website: www.austinassociates.com

E-mail: psimoff@austinassociates.com

Consultants/Financial Services/Investment Banking/management: M & A, Planning, Asset/Liability, Risk Management Insurance/Financial Services

BancVue

Todd Buterbaugh

Regional Sales Director

5300 Riata Park Court, Bldg. 7

Austin, TX 78727

Phone: (714) 430-0152

Fax: (512) 349-4141

Website: www.bancvue.com

E-mail: todd.buterbaugh@BancVue.com

Consultant/Product Development/Training: BancVue is a research-driven product development company that designs innovative, exciting and market-ready products for community financial institutions to win the war against the megabanks.

Bank Financial Services Group, Inc.
731 Alexander Road, Suite 203
Princeton, NJ 08540
Phone: (609) 243-9395
Fax: (609) 243-8921
Website: www.bfsgroup.com
E-mail:

Benefits/Retirement Plans/Compensation/BOLI

Bank Intelligence Solutions

Todd Quinn

Marketing Development Director

1301 Hightower Trail, Suite 310

Atlanta, GA 30350

Phone: (678) 323-3249

Fax: (678) 323-3250

Websitel: www.bankintelligence.fiserv.com

E-mail: todd.quinn@fiserv.com

Technology Services: Executive Financial Market Expansion Software

Blue Bridge Financial, LLC

Mark DeBacker

CEO

550 Main Street, Suite 260

Buffalo, NY 14221

Phone: (716) 204-8471

Websitel: www.bluebridgefinanical.com

E-mail: mdebacker@bluebridgefinancial.com

Technology Services: Financial Services

Bowers & Company CPAs, PLLC

Donald R. Kimber

Partner

100 Madison Street, 1200 MONY Tower I

Syracuse, NY 13202

Phone: (315) 234-1100

Fax: (315) 234-1111

Website: www.bcpllc.com

E-mail: drk@bcpllc.com

Accounting Firm

Clark Consulting

Matthew Henebry

Senior Consultant
15R Hartford Avenue, Suite 2EF
PO Box 228

Granby, CT 06035

Phone: (860) 413-3600

Fax: (860) 413-3603
Website: www.clark-consulting.com
E-mail: matt.henebry@clark-consulting.com

Patrick Young
Senior Consultant
28 Van Wyck Dr.
Princeton Junction, NJ 08550
Phone: (609) 897-0700
Fax: (609) 897-1170
Website: www.clark-consulting.com
E-mail: patrick.young@clark-consulting.com

Benefits/Consultant/Financial Services: Benefits, BOLI, Compensation

Couch White

John Vero

540 Broadway, PO Box 22222

Albany, NY 12201

Phone: (518) 426-4600

Fax: (518) 320-3496

Website: www.couchwhite.com

E-mail: jvero@couchwhite.com

Jeremy M. Smith, Esq.

540 Broadway, PO Box 22222

Albany, NY 12201

Phone: (518) 320-3425

Fax: (518) 426-0533

Website: www.couchwhite.com

E-mail: jsmith@couchwhite.com

Law Firm

Crowe Horwath
Tony Rispoli
Manager
600 Superior Avenue East, Suite 902

Cleveland, OH 44101
Phone: (216) 623-7546
Fax: (440) 460-1302
Website: www.crowehorwath.com
E-mail: tony.rispoli@crowehorwath.com

Mike Rarick

Partner
354 Eisenhower Parkway - Ste. 2050
Livingston, NJ 07039
Phone: (973) 422-4523
Fax:(973) 422-4520
Website: www.crowehorwath.com
E-mail: mike.rarick@crowehorwath.com

Accounting Firm: Tax & Financial consulting, compliance,

audit & outsourced internal auditing.

Dannible & McKee. LLP
Thomas Fiscoe
Partner
Financial Plaza, 221 South Warren Street
Syracuse, NY 13202
Phone: (315) 472-9127
Fax: (315) 472-0026
Website: www.dmcpas.com
E-mail: tfiscoe@dmcpas.com

Accounting Firm: Auditing, accounting & consulting services,

including tax planning business valuation and fraud exams.

Dermody, Burke & Brown, CPAs, LLC
Brian R. DuMund, CPA
Partner
443 N. Franklin Street, Suite 100
Syracuse, NY 13204
Phone: (315) 471-9171
Fax: (315) 471-8555
Website: www.dbbllc.com

Email: brd@dbbllc.com

Accounting Firm: External Audit, Internal Audit, IT Compliance

Loan Compliance

E-chx, Inc.

Paul Rosen

Vice President of Business

Development and Marketing

200 Canal View Boulevard, Suite 200

Rochester, NY 14623

Phone: (585) 341-3520

Fax: (585) 402-7820

Website: www.e-chx.com

Email: prosen@e-chx.com

Steve Ruffino

District Sales Manager

200 Canal View Boulevard, Suite 200

Rochester, NY 14623

Phone: (585) 341-3520

Fax: (585) 402-7820

Website: www.e-chx.com

Email: sruffino@e-chx.com

Payroll Solutions

Federal Home Loan Bank of New York
Adam Goldstein
Vice President & Head of Marketing and Sales
101 Park Avenue
New York, NY 10178
Phone: (212) 441-6703
Fax: (212) 949-0230
Website: www.fhlbny.com
E-mail: adam.goldstein@fhlbny.com

Financial Services: To advance local housing and

community development.

FTPS, LLC

Jim Lumadue

Vice President - Eastern Region Sales Manager

7311 Winbert Drive

North Tonawanda, NY 14120

Phone: (716) 743-0118

Fax: (716) 743-1162

Website: www.ftpsllc.com

E-mail: jim.lumadue@ftpsllc.com

Rachelle Powers

Vice President

PO Box 219

East Amherst, NY 14051

Phone: (716) 741-3999

Fax: (513) 358-1718

E-mail: rachell.powers@ftpsllc.com

Funds Transfer: Electronic funds transfer services, correspondent

banking, cash management, treasury management, custody and

safekeeping services

Financial Services, Inc.
Brian McAllister
Senior Vice President Sales/Marketing
21 Harristown Road
Glen Rock, NJ 07452
Phone: (201) 652-6000 x202
Fax: (201) 652-8538
Website: www.insideFSI.net
E-mail: BMcAllister@insideFSI.net

Nancy Franchini
Assistant Vice President, Marketing
21 Harristown Road
Glen Rock, NJ 07452
Phone: (201) 652-6000 x202
Fax: (201) 652-8538
Website: www.insideFSI.net
E-mail: nfranchini@insideFSI.net

Financial Services: Providing turnkey solutions for our customers since

1954, Financial Services, Inc. (FSI) is one of the largest

independently owned Data Processing and Item Processing

solution providers to the banking services industry. Clients

range from de novos to multi-billion dollar community banks.

FSI is committed to a complete, worry-free integration of its

products and services. Core banking system, internet and bank by

phone services, item processing capabilities, hardware sales and support

and division or any of our other customer centric services.

Finger Lakes Technologies Group, Inc.
Paul Griswold
President & CEO
11 Framark Drive. Suite 20
Victor, NY 14564
Phone: (585) 924-3510
Fax: (585) 924-2619
Website: www.fltg.com
E-mail: paulg@fltg.com

Technology: Cisco Systems, Premier PLUS Certified Partner, IP Telephony,

Security and Wireless Specialized Partner. Convergence of Data, Voice,

Internet, Video and Wireless. Offices in Victor, Phelps & Trumansburg, NY

Fiserv
Heather Wargo
Marketing Support, Northeast Region Data Center

Bank Solutions
151 National Drive

Glastonbury, CT 06033
Phone: (860) 652-1211
Fax: (860) 652-1322
Website: www.fiserv.com
E-mail: heather.wargo@fiserv.com

John Hoffman
Regional Sales Manager
PO Box 5014, 4 Fairfield Blvd.
Wallingford, CT 06492
Phone: (203) 284-7116
Fax: (203) 284-7185
Website: www.fiserv.com
E-mail: john.hoffman@firserv.com

Financial Services: Full service data and item processing.

FTN Financial
Bob Nance
Senior Vice President
845 Crossover Lane, Suite 150
Memphis, TN 38117
Phone: (901) 934-8740
Fax: (901) 435-8201
Website: www.ftnfinancial.com
E-mail: bob.nance@ftnfinancial.com

Preston Carpenter

Vice President

845 Crossover Lane, Suite 150
Memphis, TN 38117
Phone: (901) 435-4725
Fax: (901) 435-4776
Website: www.ftnfinancial.com

E-mail: preston.carpenter@ftnfinancial.com

Sally Pace

Director of Marketing
845 Crossover Lane, Suite 150
Memphis, TN 38117
Phone: (901) 435-4725
Fax: (901) 435-4776
Website: www.ftnfinancial.com

Investment Banking Management: Investment, tax, interest rate risk, asset/liability, liquidity management, trust preferred issuance, stock
research, bank stock trading, executive and employee benefit design & implementation, bank owned life insurance, corporate finance.

Harland Clarke
Shawna Martin Miller
Senior Account Executive
Phone: (585) 663-3167
Website: www.harlandclarke.com

E-mail: shawna.martin@harlandclarke.com

Gina Kurdi
Senior Account Executive
Phone: (845) 462-5167

Website: www.harlandclarke.com

Email: Gina.Kurdi@harlandclarke.com

Checks/Official Items: Leading provider of integrated payment solutions,

including checks, marketing services, technology solutions, best-in-class

account holder security, online training and development, card manufacturing

and personalization as well as Identity Theft Recovery.

Harland Financial Solutions

Stacey Leone

Director of Public Relations & Events

605 Crescent Executive Court, Suite 600

Lake Mary, FL 32746

Phone: (800) 989-9009 x6653

Fax: (407) 829-6715

Website: www.harlandfinancialsolutions.com

Email: stacey.leone@harlandfs.com

Technology: Harland Financial Solutions is a leader in core systems, item and payment processing, enterprise content management, branch automation, customer relationship management, business intelligence, lending solutions, risk management, compliance training, financial accounting, mortgage solutions, electronic banking and advisory services.

Hinman, Howard & Kattell, LLP

Cliff Weber

Partner

106 Corporate Park Dr., Ste. 317

White Plains, NY 10604

Phone: (914) 694-4102

Fax: (914) 694-4510

Website: www.hhk.com

E-mail: cweber@hhk.com

Law Firm: Legal services with emphasis on corporate,

securities, regulatory and transactional work for community

banks.

Hodgson, Russ LLP
Christian Koelbl, III
Partner
The Guaranty Building

140 Pearl Street, Suite 100

Buffalo, NY 14202

Phone: (716) 848-1256

Fax: (716) 819-4633
Website: www.hodgsonruss.com
E-mail: ckoelbl@hodgsonruss.com

Law Firm: Regulatory compliance & general counsel services.

HR Works, Inc.
Candace Walters
President
246 WillowBrook Office Park
Fairport, NY 14450
Phone: (585) 381-8340 x11
Fax: (585) 385-2362
Website: www.hrworks-inc.com
E-mail: walters@hrworks-inc.com

Human Resource: Affirmative Action Plan Development and Consulting, Training, HR Outsourcing, HRIS/Self-Service, Outsourced Benefits Administration.

ICS Compliance

Michael Pappolla

Director

265 Grove Street, Suite 2-400

Newton, MA 02466

Phone: (973) 206-1110

Website: www.icscompliance.com

Email: mpappolla@icscompliance.com

Consultant: Compliance

Iris Digital Video
Gary Akey
Regional Sales Manager
54 Wolf Avenue
Malverne, NY 11565
Phone: (888) 451-4646
Fax: (516) 596-4260
Website: www.digitalvideocc.tv
E-mail:

Data Storage: Patented Digital Surveillance System, Telecameras,

ATM Light Monitoring

Jamesson Associates
Michael Jamesson
Principal
PO Box 167
Scottsville, NY 14546
Phone: (585) 889-8090
Fax: (585) 889-8090
Website: www.jamessonassociates.com
E-mail: mjamesson@aol.com

Consultants: Asset/Liability management analysis and consulting,
strategic plan preparation, capital planning analysis and facilitation.

KPMG LLP
James G. McGrath, Jr.
Financial Services Partner
515 Broadway
Albany, NY 12207
Phone: (518) 427-4606
Fax: (518) 689-4729
Website: www.kpmg.com
E-mail: jmcgrathjr@kpmg.com

Daniel J. White
515 Broadway
Albany, NY 12207
Phone: (518) 427-4845
Fax: (518) 689-4731

Website: www.kpmg.com

E-mail: djwhite@kpmg.com

Accounting Firm/Financial Services: assurance, tax & legal, consulting, financial advisory services.

LCS, Inc.
Mark LiPuma
CEO
PO Box 406
Buffalo, NY 14205
Phone: (800) 474-6802
Fax: (716) 845-6164
Website: www.lenderconsulting.com
E-mail: mlipuma@lenderconsulting.com

Ted Duffy
3 ECOM Square
Albany, NY 12207
Phone: (518) 320-9103
Fax: (518) 320-9104
Website: www.lenderconsulting.com
E-mail: tduffy@lenderconsulting.com

Environmental Due Diligence Services/Construction Monitoring: Environmental and Construction Due Diligence and Policy Consulting

Services across NY and the Northeast.

Lighthouse IT Compliance Group

Steve Roperti
Account Manager
11 Penn Plaza, 5th Floor
New York, NY 10001
Phone: (888) 542-8030
Fax: (401) 334-0719
Website: www.lighthousecs.com
E-mail: sroperti@lighthousecs.com

William DePalma

IT Compliance Specialist

6 Blackstone Valley Place, Suite 205

Lincoln, RI 02865

Phone (401) 335-0799

Fax: (401) 616-3713

Email: wdepalma@lighthousecs.com

Technology: Consulting Services Computer Hardware and Software

Lodestone Banking Consultancy, Inc.

Mark Clark

Executive Vice President

6901 Henderson Road

Jamesville, NY 13078

Phone: (315) 446-6411

Fax: (315) 445-9579

Website: www.lodestonebanking.com

E-mail: mclark@lodestonebanking.com

Consultant: Core System Analysis (Jack Henry Silverlake, Fiserv, Metavante,

Miser...), AEM (advanced earnings methodology), 80/20 Lending (Commercial

Loan Analysis), M & A Analysis.

L.R. Webber Associates, Inc.

Booker Moore

President & CEO

PO Box 593

Hollidaysburg, PA 16648

Phone: (814) 695-8066

Fax: (814) 696-3244

Website: www.lrwebber.com

E-mail: bmoore@lrwebber.com

Benefits: Employee Benefits, Administration, Surveys, Medical, Life, Disability, Retirement Plans

M & T Bank
Steven R. Schumer, CTP
Vice President, Financial Institutions Div.
One Fountain Plaza
Buffalo, NY 14203
Phone: (716) 848-7332
Fax: (716) 848-7318
Website: www.mtb.com
E-mail: sschumer@mtb.com

Geraldine Duits
Vice President, Financial Institutions Div.
1769 Route 52
Fishkill, NY 12524
Phone: (845) 440-2875
Fax: (845) 440-2972

Website: www.mtb.com
E-mail: gduits@mtb.com

Correspondent Banking Services: Public Fund Collateral Custody,Check Image Clearing, Fed Funds, International Trade Services, Holding Company Facilities, Letters of Credit, Foreign Exchange Services, Bank Insurance Services, Loan Participations, Domestic and International Funds Transfers, Pension Services, Wholesale Mortgage Products and Investment Management Services.

New York Business Development Corp.
Patrick J. MacKrell
President & CEO
50 Beaver Street, 6th Floor
Albany, NY 12207
Phone: (518) 463-2268
Fax: (518) 463-0494
Website: www.nybdc.com
E-mail: mackrell@nybdc.com

Credit/Bank Services: Provides small business loans in participation with
member banks.

National Investors Title Insurance Company

Tim McLaughlin

Vice President

15 Fishers Road, Suite 112

Pittsford, NY 14534

Phone: (585) 586-3322

Fax: (585) 586-3130

Website: www.invtitle.com

E-Mail: tmclaugh@invtitle.com

Title Insurance

PNC Capital Markets

David E. Jones

Managing Director

One PNC Plaza, 26th Floor

249 5th Avenue

Pittsburgh, PA 15222

Phone: (412) 768-5404

Fax: (412) 762-7287

Website: www.pnc.com

E-mail: d.jones@pnc.com

Correspondent Banking: Credit Products, Treasury Management

A/L Management, Balance Sheet Strategies

PW Campbell
David Welsh
Regional Vice President
109 Zeta Drive
Pittsburgh, PA 15238
Phone: (800) 253-7430
Fax: (800) 963-0200
Website: www.pwcampbell.com
E-mail: david.welsh@pwcampbell.com

PW Campbell

Erin Campbell
Regional Vice President, Marketing
109 Zeta Drive

Pittsburgh, PA 15238
Phone: (800) 253-7430 ext. 360
Fax: (412) 963-0200
Website: www.pwcampbell.com
E-mail: erin.campbell@pwcampbell.com

Bank Buildings: PW Campbell is a third generation, family-owned design/build firm, founded in 1910. We offer planning, design coordination and construction management services. PW Campbell provides a turnkey process for operation centers, retail facilities, and additions/renovations through the PW Campbell Complete Facility Solutionä. PW Campbell creates the best financial facilities to meet each client’s unique needs.

ParenteBeard, LLC
Joseph LaClair, CPA
Partner
115 Solar Street
Syracuse, NY 13204
Phone: (315) 471-2777
Fax: (315) 471-2128
Website: www.ParenteBeard.com
E-mail: joe.laclair@ParenteBeard.com

Accounting Firm

Profit Solutions Group
Mark Clayback
PO Box 5
Hamburg, NY 14075
Phone: (716) 646-6366

Fax: (716) 706-1516

Website: www.profitsolutionsgrp.com
E-mail: mclayback@profitsolutionsgrp.com

Paul Fitzpatrick
PO Box 5
Hamburg, NY 14075
Phone: (716) 646-6366

Fax: (716) 706-1516

E-mail: pfitzpatrick@profitsolutionsgrp.com

Consultant: Revenue enhancement, Insurance profitability improvement, Insurance Agency acquisition, Recruiting.

Red Hawk Industries
Paul Brown
Branch General Manager
701 Seneca Street
Buffalo, NY 14210
Phone: (716) 845-6480
Fax: (716) 845-6159
Website: www.brownsecurity.com

Email: paul.brown@redhawk-su.com

Equipment: Supplier of banking systems, & equipment-provider of
single source project design & construction.

Riehlman, Shafer & Shafer

Christopher Chapman

397 Rt. 281, PO Box 430

Tully, NY 13159

Phone: (315) 696-6347

Fax: (315) 696-0243

Website: www.riehlmanshafer.com

Email: cchapman@riehlmanshafer.com

Law Firm: Full service law firm with a division specializing in creditor's rights.

Roosevelt & Cross, Inc.
Lawrence D. Seymour
Senior Vice President
295 Main Street, Suite 718
Buffalo, NY 14203
Phone: (716) 856-6950
Fax: (716) 856-6963
Website: www.roosevelt-cross.com

E-mail: lseymour@roosevelt-cross.com

Joseph Haller
295 Main Street, Suite 718
Buffalo, NY 14203
Phone: (716) 856-6950
Fax: (716) 856-6963
Website: www.roosevelt-cross.com

E-mail: jhaller@roosevelt-cross.com

David Wagner
Asst. Vice President
295 Main Street, Suite 718
Buffalo, NY 14203
Phone: (716) 856-6950
Fax: (716) 856-6963
Website: www.roosevelt-cross.com
E-mail: dwagner@roosevelt-cross.com

William Welsh
Senior Vice President

55 Broadway
One Exchange Plaza, 22nd Floor
New York, NY 10005
Phone: (212) 504-9226
Fax: (212) 344-5771
Website: www.roosevelt-cross.com
E-mail: wwelsh@roosevelt-cross.com

Joe Arena
20 Exchange Place
New York, NY 10005
Phone: (212) 344-2500

Website: www.roosevelt-cross.com
E-mail: jarena@roosevelt-cross.com

Financial Services: Research, purchase, sale, underwriting, trading, distribution & marketing of bank qualified tax exempt securities.

SafeGuard - Ted Mabry & Associates
Ted Mabry
President & CEO
7030 East Genesee Street

Fayetteville, NY 13066
Phone: (800) 346-7550
Fax: (800) 695-4920
Website: www.gosafeguard.com
E-mail: ted.sbs@verizon.net

Checks/Official Items: Checks, forms, marketing products

Sandler O'Neill & Partners, L.P.
Richard Olstein
Managing Director
919 3rd Avenue, 6th Floor
New York, NY 10022
Phone: (212) 466-7818
Fax: (212) 466-7888
Website: www.sandleroneill.com
E-mail: dolstein@sandleroneill.com

Investment Banking/Management: Full service investment banking, financial
management and advisory.

T. Gschwender & Associates, Inc.

Bharpur "Bo" Singh

President & Owner

311 Montgomery Street, Suite 1

Syracuse, NY 13202

Phone: 315-701-1293

Fax: (315) 701-1296

Website: tgschwender-assoc.com

E-mail: bsingh@tgschwender-assoc.com

Consultant/Credit/Bank Services/Environmental Due Diligence Services

UHY Advisors, Inc.
Howard Foote
Managing Director
66 State Street
Albany, NY 12207
Phone: (518) 449-3166
Fax: (518) 449-5832
Website: www.uhy-us.com
E-mail: hfoote@uhy-us.com

Accounting Firm: Consulting and Assurance Service.