Rated Strong by Weiss Ratings and
4-Star Excellent by BauerFinancial, Inc.

Frequently Asked Questions

Q. How can I buy additional shares?
A. You may purchase your shares through a broker. If you do not have a broker, you can call one of our Market Makers: Stifel Nicolaus & Co. Inc., Andrew Lieb at 1-800-342-2325,ext. 4128 or Raymond James Equity Capital Markets, Timothy Murnane at 1-800-800-4693.

Q. How can I redeem, liquidate, or trade my shares for cash?
A. You may sell your shares through any stockbroker you choose.

Q. How can I change or correct the name on my certificate?
A. If your name is wrong or has legally changed; you will need to fill out the Request To Transfer form and have your endorsement medallion signature guaranteed. You can find the form on Registrar and Transfer Company's web site www.rtco.com. The form should be endorsed with the name as it appears on the certificate. In Box E, New Account Information, supply the new or corrected name. Send the certificate and the completed Request to Transfer form back to the address below. When sending in any certificates through the mail, we recommend purchasing insurance valued at 3% of the certificate's current market value. This amount is what it commonly costs to replace a certificate if it is lost in the mail.

Registrar and Transfer Company
Attn: Stock Transfer Department
10 Commerce Drive
Cranford, NJ 07016

Q. What is a medallion signature guarantee?
A. Medallion signature guarantees can be obtained at most financial institutions and brokerages. The medallion signature guarantee provides the authentication of the guarantor that the endorser of a certificate is the registered owner and has the legal authority to sign the certificate.

Q. How can I change or correct my address?
A. You may notify Registrar and Transfer Company of an address change by telephone, or by writing to Registrar and Transfer Company at the address noted below. Please have your Social Security Number (Tax Identification Number) available for account verification. You may also request a change of address by completing the Change Of Address form on your dividend check stub. You can also go online to www.rtco.com and use the online address change form.

Registrar and Transfer Company
Attn: Stock Transfer Department
10 Commerce Drive
Cranford, NJ 07016

Q. What is a medallion signature guarantee?
A. Medallion signature guarantees can be obtained at most financial institutions and brokerages. The medallion signature guarantee provides the authentication of the guarantor that the endorser of a certificate is the registered owner and has the legal authority to sign the certificate.

Q. How can I change or correct my address?
A. You may notify Registrar and Transfer Company of an address change by telephone, or by writing to Registrar and Transfer Company at the address noted below. Please have your Social Security Number (Tax Identification Number) available for account verification. You may also request a change of address by completing the Change Of Address form on your dividend check stub. You can also go online to www.rtco.com and use the online address change form.

Registrar and Transfer Company
Attn: Address Change Department
10 Commerce Drive
Cranford, NJ 07016 1.800.368.5948 E-mail: info@rtco.com
Internet address: www.rtco.com

Q. How do I transfer my shares to another person?
A. In order to transfer your shares to another person, contact Registrar and Transfer Company for a Request To Transfer form or visit www.rtco.com to obtain the form. When completing the form, be sure to indicate the name of the person to whom the security is being transferred. Please include mailing and delivery instructions for the certificate to be returned. Endorsement(s) must be guaranteed by a medallion signature guarantee. If the transfer involves a state, corporation, trust, or custodial account, call Registrar and Transfer Company for further instructions.

Q. Where is the certificate number and what does CUSIP # mean?
A. The certificate number is located in the upper corner of your certificate. It is a unique number identifying your certificate. The CUSIP # is used by the securities industry to uniquely identify each company's stock.

Q. Where do I send certificates for transfer?
A. Please remember to fill out the Substitute Form W-9 on the Request To Transfer form. You can also obtain a Form W-9 from the Internal Revenue Service, the Post Office, or on Registrar and Transfer Company's website at www.rtco.com.

Important Note: Whenever you mail certificates, it is advisable to insure the certificates for 3% of their current market value. This amount is what it commonly costs to replace a certificate if it is lost in the mail. All transfers should be insured and mailed to:
Registrar and Transfer Company
Attn: Stock Transfer Department
10 Commerce Drive
Cranford, NJ 07016

Q. Where can I obtain general information regarding my account?
A. You may obtain general information regarding your account by calling Registrar and Transfer Company at 1-800-368-5948. Please have your Social Security Number (Tax Identification Number) available for account verification and the name of the security that you own.

You can also view your account online using the IRIS system (Investor Relations Inquiry System). Go to www.rtco.com and click on the word IRIS at the right, then on Register (Investors only). From there, fill out the contact information; first name, last name, email address, confirm email address, and phone number. Then, enter the account and identity verification; your zip code and Social Security Number (you will only be asked once to enter this number). Then enter the name of the stock you own; Orange County Bancorp Inc. #7840 from the drop down menu. Pick your user name and password, confirm your password and submit. You will be ready to access your account information.

When you log in for the first time, you will be asked to establish a security question and answer to be used in the event you forget your password. If there are any problems, please contact; Registrar and Transfer Company, Investor Relations Dept. at1-800-368-5948 for assistance or e-mail us at info@rtco.com.