Richard P. Koskey

First Niagara Financial Group, Inc. operates through its wholly owned subsidiary, First Niagara Bank, N.A., provides a wide range of retail and commercial banking as well as other financial services to individuals, families and businesses across Upstate New York, Pennsylvania, Connecticut and Massachusetts. It operates through two segments: Banking and Financial Services. The Banking segment includes all of its retail and commercial banking operations. The financial services segment offers a wide range of insurance products and consulting services to help both its retail and commercial customers achieve their financial goals. The company was founded in April 1998 and is headquartered in Buffalo, NY.

Hudson River Bancorp, Inc. used to provide financial services to real estate, lending, mortagage including consumer and commercial loans. The company was operating Hudson River Bank & Trust Co. and the Hudson River Commercial Bank including ATMs, other consumer banking products and services. Hudson River Bancorp was founded in 1998 and was located in Hudson, NY

Kinderhook Bank Corp. is a financial holding company, which engages in the ownership and operation of its subsidiary. It offers insurance solutions such as health and dental insurance, auto, home and life insurance, and property and casualty insurance. The company was founded on November 19, 1996 and is headquartered in Kinderhook, NY.

Pattison, Koskey, Howe & Bucci, CPAs PC provides accounting, audit, tax preparation, business advisory and tax planning services. It serves businesses and individuals, estate and succession planning, trusts, payroll management, merging and termination consulting. The company was founded in 1946 and is headquartered in Hudson, NY.