We have four basic components that govern how we function and define our corporate culture. We will endeavor to:

• Treat ethically our customers and creditors, which is as we would want to be treated.
• Support and contribute to our Greater Utica community, recognizing all that we have is an outgrowth of it.
• Treat our employees fairly, with our loyalty towards them engendering their loyalty to us.
• Earn as attractive a return as possible for our shareholders, commensurate with our unique risk profile, paying particular attention to the long-term interests of the Bank, so long as the above first three items are not compromised.