STRENGTH AND SAFETY RATINGS

STRENGTH AND SAFETY RATINGS

Orange County Trust is a better bank, boasting top safety ratings

You have a strong bank behind you in Orange County Trust Company. Our length of service alone is a testament to our effectiveness and stability. Orange County Trust Company, Middletown, New York stands strong in the current difficult environment while some financial institutions are faltering. You don't have to take our word for it, though --

BAUERFINANCIAL, INC.

Orange County Trust Company has earned the highest 5-Star Superior rating from BauerFinancial, Inc. of Coral Gables, FL, the nation's leading independent bank rating and research firm. The 5-Star rating is based on the overall financial picture of the bank and indicates that Orange County Trust Company is one of the strongest banks in the nation.

What's more, this represents the 87th consecutive quarter that Orange County Trust Company has earned this honor giving it the added distinction of being in an elite group of "Sustained Superiority Banks".

"Not only has Orange County Trust Company proven its efficacy yesterday and today, it is also primed for whatever tomorrow may bring," observes Karen L. Dorway, president of BauerFinancial. "The past three years have put a considerable amount of pressure on our nation's banks and we are pleased to see community banks, like Orange County Trust Company, still able to shine."

NOTE: BauerFinancial, Inc. has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays for its rating, nor can they elude it. Consumers may obtain star-ratings by visiting bauerfinancial.com.

Orange County Trust Company has received a financial service rating of "Excellent" from Weiss Ratings, the nation's leading independent provider of ratings and analyses of financial services companies, mutual funds, and stocks. This rating recognizes Orange County Trust Company as a bank that offers excellent financial security. It has maintained a conservative stance in its business operations and underwriting practices as evidenced by its strong equity base, top-notch asset quality, steady earnings, and high liquidity. While the financial position of any institution is subject to change, we believe this institution has the resources necessary to deal with severe economic conditions. The rating places this company on the Weiss Recommended List of companies, an elite group of 434 banks representing the top 5.8% of the industry.