All properties owned or leased by the Bank are considered to be in good condition.
−Removed: For additional information about the Corporation’s facilities, including rental expenses, see "Note 5 Premises and Equipment" in Notes to Consolidated Financial Statements in Part IV, Item 15.
+Added: For additional information about the Corporation’s facilities, including rental expense, see Note 5 - Premises and Equipment and Note 6 - Leases in Notes to Consolidated Financial Statements in Part IV, Item 15.
Exhibits and Financial Statement Schedules of this report.
7 unchanged sentences
132-136 State Street, Albany, NY 12207
+Added: Representative Offices
+Added: *500 Pearl Street, Suite 740, Buffalo, NY 14202 1
Full-Service Branches - New York
25 unchanged sentences
*5529 Main Street, Williamsville, NY 14221
+Added: *1465 Union Road, West Seneca, NY 14224 1
Full-Service Branches - Pennsylvania (Bradford County)
2 unchanged sentences
Available by appointment at all bank locations
−Removed: Western New York Administrative Office
−Removed: *9159 Main Street, Clarence, NY 14031 1
Leased Off-Site ATM Location
1 unchanged sentence
* Leased facilities and/or property
−Removed: 1 Office to be closed effective March 31, 2025.
+Added: 1 Lease signed, but location has not yet been opened
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.