1、STRONG.GROWING.INDEPENDENT.2016 ANNUAL REPORTORANGE COUNTY BANCORP,INC.BACK ROW:RICHARD ROWLEY,TERRY SATURNO,PAUL T.MCDERMOTT,MICHAEL GILFEATHER,SUSAN METZGER,WILLIAM D.MORRISONFRONT ROW:VIRGINIA RIZZO,LOUIS HEIMBACH(CHAIRMAN),DAVID A.DEWILDEBOARD OF DIRECTORSMEMBERFederal Reserve SystemFederal Home
2、 Loan BankFederal Deposit Insurance CorporationFinancial Industry Regulatory AuthoritySUBSIDIARIESOrange Bank&Trust Company(“Bank”)Hudson Valley Investment Advisors,Inc.(“HVIA”)SHARES OF ORANGE COUNTY BANCORP,INC.STOCK ARE AVAILABLE UNDER STOCK SYMBOL OCBIFor information regarding stock transfers an
3、d other transactions,contact our Transfer Agent:Computershare,Inc.P.O.BOX 30170College Station,TX 778421.800.368.5948WFor more information about purchasing stock,contact either:STIFEL NICOLAUS&CO.INC.Andrew Lieb:800.342.2325 Ext.4128RAYMOND JAMES EQUITY CAPITAL MARKETS Douglas W.Deubel:888.734.0540H
4、OVDE GROUPJames D.Nuber:312.361.1810NOTICE TO SHAREHOLDERS ANNUAL DISCLOSURE STATEMENTFinancial information about the Bank is available to our customers and the general public upon request.In accordance with the federal regulation to facilitate more informed decision-making by depositors,investors,a
5、nd 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,each year.To obtain a copy of the ANNUAL DISCLOSURE STATEMENT,please contact:Gerard Perri
6、,SVP/Chief Financial OfficerOrange Bank&Trust Company212 Dolson AvenueMiddletown,New York 10940 2 0 1 6 A N N U A L R E P O R T 3LETTER FROM THE CHAIRMAN AND PRESIDENTFitzgerald FallsOrange County,NY4 ORANGE COUNT Y BANCORP,INC.Dear Shareholders:We are pleased to present you with the 2016 Annual Rep