Michael R. Kallet

Oneida Financial Corp. is a stock-owned savings and loan holding company. Oneida Savings Bank, the wholly-owned subsidiary of Oneida Financial Corp., is a community bank engaged primarily in the business of accepting deposits from customers, using those deposits, together with funds generated from operations and borrowings to make one-to-four family residential and commercial real estate loans, consumer loans and commercial business loans and to invest in mortgage-backed and other securities. Through Oneida Wealth Management Inc., wholly owned subsidiary provides financial and investment advisory services. It operates through three segments: Banking Franchise, Insurance, Risk Management & Employee Benefits Activities and Financial & Investment Advisory Activities. The company was founded in September 1998 and is headquartered in Oneida, NY.

Part of Community Bank System, Inc., Bailey & Haskell Associates, Inc. provides a portfolio of insurance products and services to individuals and businesses, and financial services. The company is based in Oneida, NY. Bailey & Haskell Associates was acquired by Oneida Financial Corp. on October 02, 2000.

Oneida Health Systems, Inc. provides healthcare services. It offers emergency rooms, intensive, cardiac care unit, breast biopsies, hysteroscopy, tonsillectomy, colon rectal surgeries, cataracts and hernia repairs. The firm provides bed acute care hospital, short-term rehab facility, women’s health offices, a maternal health clinic, four outreach laboratory draw stations; outpatient therapy center, imaging centers, sleep lab, an after-hours care center and specialists offices in Neurology, Orthopedics. The company was founded on January 1, 1996 and is headquartered in Oneida, NY.

Part of Community Bank System, Inc., Benefit Consulting Group LLC provides employee benefit consulting and retirement plan services. The company is based in Syracuse, NY. Benefit Consulting Group was acquired by Oneida Financial Corp. on June 28, 2006.

Community Bank, NA provides commercial banking services. It specializes in credit cards, online banking, mobile banking, merchant services, cash management, investment and trust services. The company was founded in 1866 and is headquartered in DeWitt, NY.

The Oneida Savings Bank provides banking services. The Oneida Savings Bank is based in Oneida, NY.

Workplace Health Solutions, Inc. operates as a risk management company. It specializes in workplace injury claims management services. The company is headquartered in Verona, NY.