1、2018 ANNUAL REPORT$1 BILLION IN ASSETSSoaring to New Heights:ORANGE COUNTY BANCORP,INC.Board of DirectorsPICTURED FROM LEFT TO RIGHT.FRONT ROW:Susan Metzger,Louis Heimbach,Chairman,Michael GilfeatherBACK ROW:William D.Morrison,David A.DeWilde,Jonathan Rouis,Terry R.Saturno,Paul T.McDermott,Greg Holc
2、ombe,Richard Rowley,Virginia Rizzo,Gus Scacco 2 ORANGE COUNT Y BANCORP,INC.MemberFederal Reserve SystemFederal Home Loan BankFederal Deposit Insurance CorporationFinancial Industry Regulatory AuthoritySubsidiariesOrange Bank&Trust Company(“Bank”)Hudson Valley Investment Advisors,Inc.(“HVIA”)Shares o
3、f Orange County Bancorp,Inc.stock are available under stock SYMBOL OCBIFor information regarding stock transfers and other transactions,contact our Transfer Agent:Computershare,Inc.250 Royall Street,Canton,MA 02021 For more information about purchasing stock,contact either:STIFEL NICOLAUS&CO.INC.And
4、rew Lieb:800.342.2325 Ext.4128FIG PARTNERS,LLCDan Flaherty:404.601.7200SANDLER ONEILL+PARTNERS Jerome(Jace)Day,Jr:212.466.7831Notice to Shareholders ANNUAL DISCLOSURE STATEMENTFinancial information about the Bank is available to our customers and the general public upon request.In accordance with th
5、e federal regulation to facilitate more informed decision-making by depositors,investors,and the general public,we will provide an ANNUAL DISCLOSURE STATEMENT containing financial information for the Bank for the previous two years.This information will be updated annually and available as of June 1
6、,each year.To obtain a copy of the ANNUAL DISCLOSURE STATEMENT,please contact:Robert Peacock,EVP Chief Financial Officer Orange Bank&Trust Company 212 Dolson Avenue Middletown,New York 10940 2 0 1 8 A N N U A L R E P O R T 3We are delighted to share our 2018 results,which reflect our banking leaders