<SEC-DOCUMENT>0001104659-19-056145.txt : 20191024
<SEC-HEADER>0001104659-19-056145.hdr.sgml : 20191024
<ACCEPTANCE-DATETIME>20191024170105
ACCESSION NUMBER:		0001104659-19-056145
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20191018
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20191024
DATE AS OF CHANGE:		20191024

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			COMMUNITY BANK SYSTEM, INC.
		CENTRAL INDEX KEY:			0000723188
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				161213679
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-13695
		FILM NUMBER:		191166624

	BUSINESS ADDRESS:	
		STREET 1:		5790 WIDEWATERS PKWY
		CITY:			DEWITT
		STATE:			NY
		ZIP:			13214
		BUSINESS PHONE:		8007242262

	MAIL ADDRESS:	
		STREET 1:		5790 WIDEWATERS PARKWAY
		CITY:			DEWITT
		STATE:			NY
		ZIP:			13214

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY BANK NA, a subsidiary of Community Bank System Inc
		DATE OF NAME CHANGE:	20130729

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY BANK NA, a subsidiary of Community Bank System Inc.
		DATE OF NAME CHANGE:	20130726

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	COMMUNITY BANK SYSTEM INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
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<p style="margin: 0"></p>

<p style="margin: 0pt 0">&#160;</p>

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<p style="margin: 0pt 0">&#160;</p>

<p style="font: 14pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>UNITED STATES</b></p>

<p style="font: 14pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>SECURITIES AND
EXCHANGE COMMISSION</b></p>

<p style="font: 14pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>WASHINGTON, D.C.
20549</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<p style="font: 14pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>FORM <span id="xdx_905_edei--DocumentType_c20191017__20191018_z9jorSERjyJh"><ix:nonNumeric contextRef="From2019-10-17to2019-10-18" name="dei:DocumentType">8-K</ix:nonNumeric></span></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>CURRENT REPORT</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):
<b><span id="xdx_908_edei--DocumentPeriodEndDate_c20191017__20191018_zdvu0MCSKDs3"><ix:nonNumeric contextRef="From2019-10-17to2019-10-18" format="ixt:datemonthdayyearen" name="dei:DocumentPeriodEndDate">October 18, 2019</ix:nonNumeric></span></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><img src="tm1920865-1_8kimg01.jpg" alt="" /></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
its charter)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>&#160;</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Registrant&#8217;s telephone number, including area code: <b>(<span id="xdx_904_edei--CityAreaCode_c20191017__20191018_zIn4cos1tsm9"><ix:nonNumeric contextRef="From2019-10-17to2019-10-18" name="dei:CityAreaCode">315</ix:nonNumeric></span>)
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">Not Applicable</p>

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<p style="font: 10pt Times New Roman, Times, Serif; text-align: center; margin-top: 0pt; margin-bottom: 0pt">(Former name or former
address, if changed since last report)</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</span></td></tr>
</table>
<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</span></td></tr>
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<table cellspacing="0" cellpadding="0" style="font: 10pt/normal Times New Roman, Times, Serif; margin-top: 0px; margin-bottom: 0px; font-size-adjust: none; font-stretch: normal; width: 100%">
<tr style="text-align: justify; vertical-align: top">
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    <td style="text-align: justify"><span style="font-family: Times New Roman, Times, Serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Securities registered pursuant to Section 12(b) of the Act:</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

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Symbol(s)</span></td>
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registered</span></td></tr>
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 310.5pt; text-align: right">Emerging growth company <span style="font-family: Wingdings"><span id="xdx_900_edei--EntityEmergingGrowthCompany_c20191017__20191018_zfAa3r7wJkw8"><ix:nonNumeric contextRef="From2019-10-17to2019-10-18" format="ixt:booleanfalse" name="dei:EntityEmergingGrowthCompany">&#168;</ix:nonNumeric></span></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the
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provided pursuant to Section 13(a) of the Exchange Act. <span style="font-family: Wingdings"></span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><span style="font-family: Wingdings">&#168;</span></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<!-- Field: Rule-Page --><div style="margin: 0pt; width: 100%"><div style="font-size: 1pt; border-top: Black 1pt solid; border-bottom: Black 2pt solid">&#160;</div></div><!-- Field: /Rule-Page -->

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<!-- Field: Page; Sequence: 1 -->
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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in"><b>Item 1.01</b></td><td><b>Entry into a Material Definitive Agreement</b></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">On October 18, 2019, Community
Bank System, Inc. (&#8220;Community Bank System&#8221;) entered into an Agreement and Plan of Merger (the
 &#8220;Merger Agreement&#8221;) with Steuben Trust Corporation (&#8220;Steuben&#8221;), a bank holding company based in
Hornell, New York and the parent of Steuben Trust Company (&#8220;Steuben Trust&#8221;). The Merger Agreement provides for
Steuben to merge with and into Community Bank System, with Community Bank System continuing as the surviving corporation
(the &#8220;Merger&#8221;). Contemporaneous with the Merger, Steuben Trust will be merged with and into
Community Bank, N.A. (&#8220;Community Bank&#8221;), Community Bank System&#8217;s wholly-owned banking subsidiary.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">This transaction will provide natural market
enhancement and extension for both institutions, joining two high-quality, low-risk franchises with long histories of customer
service, as well as a commitment to their communities. Steuben Trust provides Community Bank with improved scale in several more
Western New York markets, including Buffalo and Rochester, with total assets of nearly $580 million, deposits of $480 million,
and 15 branch offices across a six county area.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Merger Agreement has been unanimously
approved by the boards of directors of both Community Bank System and Steuben. Subject to the approval of Steuben&#8217;s shareholders,
regulatory approvals, and other closing conditions, as described below, the parties anticipate completing the transaction in the
second quarter of 2020.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Under the terms of the Merger Agreement,
shareholders of Steuben will receive, for each share of common stock they own, a combination of $12.60 cash and 0.8054 shares of
Community Bank System common stock, for total consideration valued at approximately $63.00 per share (based on Community Bank System&#8217;s
volume weighted average price of $62.58 for the thirty trading day period ending October 15, 2019). The transaction is intended
to qualify as a reorganization within the meaning of Section 368(a) of the Internal Revenue Code, as amended.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Merger Agreement contains customary
representations and warranties from both Steuben and Community Bank System, and each party has agreed to customary covenants, including,
among others, covenants relating to the conduct of Steuben&#8217;s business during the interim period between the execution of
the Merger Agreement and the effective time of the Merger, and Steuben&#8217;s non-solicitation obligations relating to alternative
acquisition proposals and its obligation to recommend that its shareholders approve the Merger Agreement, subject to customary
exceptions in the event of an unsolicited acquisition proposal that constitutes a &#8220;superior proposal&#8221; or the occurrence
of an &#8220;intervening event,&#8221; in each case as defined in the Merger Agreement.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The completion of the Merger is subject
to customary conditions, including, among others, (1) the approval of the Merger Agreement by the holders of at least two thirds
of the outstanding shares of Steuben common stock, (2) authorization for listing on the New York Stock Exchange of the shares of
Community Bank System common stock to be issued in the Merger, (3) the effectiveness of the Registration Statement on Form S-4
for the Community Bank System common stock to be issued in the Merger, (4) the absence of any order, injunction or other legal
restraint preventing the completion of the Merger or making the consummation of the Merger illegal, and (5) the receipt of required
regulatory approvals, including the approval of the Office of the Comptroller of the Currency and the Federal Reserve Board. Each
party&#8217;s obligation to complete the Merger is also subject to certain additional customary conditions, which may be waived
by the parties, including (i) subject to certain exceptions, the accuracy of the representations and warranties of the other party,
(ii) performance in all material respects by the other party of its obligations under the Merger Agreement, (iii) the receipt by
such party of an opinion from its counsel to the effect that the Merger will qualify as a reorganization within the meaning of
Section 368(a) of the Internal Revenue Code of 1986, as amended, and (iv) the absence of a material adverse effect on the other
party. </p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Merger Agreement provides for certain
termination rights for both Community Bank System and Steuben, and further provides that upon a termination of the Merger Agreement
under certain circumstances relating to a third-party takeover proposal, Steuben will be obligated to pay Community Bank System
a termination fee of $4,270,000.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Each of Steuben&#8217;s directors, executive
officers and certain principal shareholders have entered into Shareholder Support Agreements pursuant to which they have agreed
to vote their shares in favor of the approval of the Merger Agreement at the shareholders&#8217; meeting to be held to vote on
the proposed transaction.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The Merger Agreement contains usual and
customary representations and warranties that Community Bank System and Steuben made to each other as of specific dates. The assertions
embodied in those representations and warranties were made solely for purposes of the contract between Community Bank System and
Steuben, and may be subject to important qualifications and limitations agreed to by the parties in connection with negotiating
its terms. Moreover, the representations and warranties are subject to a contractual standard of materiality that
may be different from what may be viewed as material to shareholders, and the representations and warranties may have been used
to allocate risk between Community Bank System and Steuben rather than establishing matters as facts. Furthermore, information
concerning the subject matter of the representations and warranties may change after the date of the Merger Agreement, which subsequent
information may or may not be fully reflected in Community Bank System&#8217;s or Steuben&#8217;s public disclosures. For the foregoing
reasons, no person should rely on the representations and warranties as factual information at the time they were made or otherwise.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">The foregoing summary of the Merger Agreement
is not complete and is qualified in its entirety by reference to the Merger Agreement which is filed as Exhibit 2.1 hereto and
incorporated herein by reference in its entirety.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Additional Information about the Merger</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b></b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">In connection with the proposed merger,
Community Bank System, Inc. will file with the Securities and Exchange Commission (the &#8220;SEC&#8221;) a Registration Statement
on Form S-4 that will include a prospectus of Community Bank System, Inc. and a proxy statement of Steuben Trust Corporation, as
well as other relevant documents concerning the proposed transaction. This communication does not constitute an offer to sell or
the solicitation of an offer to buy any securities or a solicitation of any vote or approval. <b>Shareholders of Steuben Trust
Corporation are urged to read the registration statement and proxy statement/prospectus and the other relevant materials filed
with the SEC when they become available because they will contain important information about the proposed transaction.</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">A free copy of the proxy statement/prospectus,
when available, as well as other filings containing information about Steuben Trust Corporation and Community Bank System, Inc.,
may be obtained at the SEC&#8217;s Internet site (http://www.sec.gov). You will also be able to obtain these documents, when available,
free of charge from Steuben Trust Corporation at www.steubentrust.com/about/investor-relations.html or from Community Bank System,
Inc. by accessing its website at www.cbna.com under the heading of &#8220;Investor Relations&#8221; and then &#8220;SEC Filings
 &#38; Annual Report.&#8221; Copies of the proxy statement/prospectus can also be obtained, free of charge and when available, by
directing a request to Steuben Trust Corporation, One Steuben Square, Hornell, New York 14843, Attention: Investor Relations, Telephone:
(866) 783-8236, or to Community Bank System, Inc., 5790 Widewaters Parkway, DeWitt, New York 13214, Attention: Investor Relations,
Telephone: (315) 445-2282.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Steuben Trust Corporation and Community
Bank System, Inc. and certain of their respective directors and executive officers may be deemed to participate in the solicitation
of proxies from the shareholders of Steuben Trust Corporation in connection with the proposed merger. Information about the directors
and executive officers of Steuben Trust Corporation and their ownership of Steuben Trust Corporation common stock will be set forth
in the proxy statement/prospectus to be delivered for the proposed merger. Information about the directors and executive officers
of Community Bank System, Inc. and their ownership of Community Bank System, Inc. common stock is set forth in the proxy statement
for its 2019 annual meeting of shareholders, as filed with the SEC on Schedule 14A on April 1, 2019. Additional information regarding
the interests of those participants and other persons who may be deemed participants in the transaction may be obtained by reading
the proxy statement/prospectus regarding the proposed merger when it becomes available. Free copies of this document when available
may be obtained as described above.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><b>Forward Looking Statements</b></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>This report contains forward-looking statements within the
meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements can be identified by the use of the
words &#8220;will,&#8221; &#8220;anticipate,&#8221; &#8220;expect,&#8221; &#8220;intend,&#8221; &#8220;estimate,&#8221; &#8220;target,&#8221;
and words of similar import. Forward-looking statements are not historical facts but instead express only management&#8217;s current
beliefs regarding future results or events, many of which, by their nature, are inherently uncertain and outside of management&#8217;s
control. The following factors, among others listed in Community Bank System&#8217;s Form 10-K filings, could cause the actual
results of the Companies&#8217; operations to differ materially from the Companies&#8217; expectations: failure to obtain the approval
of the shareholders of Steuben Trust Corporation in connection with the merger; the timing to consummate the proposed merger; the
risk that a condition to closing of the proposed merger may not be satisfied; the risk that a regulatory approval that may be required
for the proposed merger is not obtained or is obtained subject to conditions that are not anticipated; the parties&#8217; ability
to achieve the synergies and value creation contemplated by the proposed merger; the parties&#8217; ability to successfully integrate
operations in the proposed merger; the effect of the announcement of the proposed merger on the ability of Steuben Trust Corporation
to maintain relationships with its key partners, customers and employees, and on its operating results and business generally;
competition; changes in economic conditions, interest rates and financial markets; the impact of the federal government shutdown;
and changes in legislation or regulatory requirements. The Companies do not assume any duty to update forward-looking statements.</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i></i></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><i>&#160;</i></p>

<table cellpadding="0" cellspacing="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><tr style="vertical-align: top">
<td style="width: 0"></td><td style="width: 1in"><b>Item 9.01</b></td><td><b>Financial Statements and Exhibits</b></td></tr></table>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"><b>(d) Exhibits</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<table cellpadding="0" cellspacing="0" style="font: 10pt Times New Roman, Times, Serif; margin-top: 0; margin-bottom: 0; width: 100%"><tr style="vertical-align: top; text-align: justify">
<td style="width: 0.5in"></td><td style="width: 0.5in; text-align: left"><a href="tm19208651_ex2-1.htm">2.1</a></td><td style="text-align: left"><a href="tm19208651_ex2-1.htm">Agreement and Plan of Merger, dated as of October 18,
2019, by and between Community Bank System, Inc. and Steuben Trust Corporation.</a></td>
</tr></table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>SIGNATURES</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>&#160;</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: left; margin-bottom: 0pt">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
<td>&#160;</td>
<td colspan="2"><b>Community Bank System, Inc.</b> &#160;</td></tr>
<tr style="vertical-align: top">
<td>&#160;</td>
<td colspan="2" style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
<td>&#160;</td>
<td colspan="2" style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
<td style="width: 50%">&#160;</td>
<td style="font-size: 10pt; width: 3%"><span style="font: 10pt Times New Roman, Times, Serif">By:</span> </td>
<td style="font-size: 10pt; width: 47%; border-bottom: Black 1pt solid"><span style="font: 10pt Times New Roman, Times, Serif">/s/ George J. Getman</span></td></tr>
<tr style="vertical-align: top">
<td>&#160;</td>
<td colspan="2" style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif">Name:&#160;&#160;George J. Getman</span></td></tr>
<tr style="vertical-align: top">
<td>&#160;</td>
<td colspan="2" style="font-size: 10pt"><span style="font: 10pt Times New Roman, Times, Serif">Title:&#160;&#160;EVP and General Counsel</span></td></tr>
</table>




<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Dated: October 24, 2019</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><b>Exhibit Index</b></p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: bottom">
<td style="width: 13%"><span style="text-decoration: underline">Exhibit Number</span> </td>
<td style="width: 87%"><span style="text-decoration: underline">Description</span> &#160;</td></tr>
<tr style="vertical-align: top">
<td style="font-size: 10pt">&#160;</td>
<td style="font-size: 10pt">&#160;</td></tr>
<tr style="vertical-align: top">
<td><a href="tm19208651_ex2-1.htm">2.1</a></td>
<td style="font-size: 10pt"><a href="tm19208651_ex2-1.htm"><span style="font: 10pt Times New Roman, Times, Serif">Agreement and Plan of Merger, dated as of October 18, 2019, by and between Community Bank System, Inc. and Steuben Trust Corporation</span></a></td></tr>
</table>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>

<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></p>

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<p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&#160;</p>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right"><B>Exhibit 2.1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">EXECUTION COPY</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; border-bottom: Black 2pt double">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">AGREEMENT AND PLAN OF MERGER</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">BY AND BETWEEN</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">COMMUNITY BANK SYSTEM, INC.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">AND</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">STEUBEN TRUST CORPORATION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Dated as of October 18, 2019</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">TABLE OF CONTENTS</P>

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<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 11%">&nbsp;</TD>
    <TD STYLE="width: 83%">&nbsp;</TD>
    <TD STYLE="width: 6%; border-bottom: Black 1pt solid; text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Page</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;1</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TRANSACTIONS AND TERMS OF MERGER</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="padding-left: 10pt; text-align: center; text-indent: -10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Closing</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effective Time</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effects of the Merger</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">2</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Organizational Documents of Surviving Corporation; Directors and Officers</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Tax Consequences</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;1.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Structure Change</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;2</FONT></TD></TR>
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    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TREATMENT OF SECURITIES</FONT></TD></TR>
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    <TD COLSPAN="3" STYLE="padding-left: 10pt; text-align: center; text-indent: -10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">3</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Payment for Securities; Surrender of Steuben Certificates</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">4</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dissenters&rsquo; Rights</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">7</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Treatment of Steuben Stock Options</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Withholding</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">8</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;2.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Fractional Shares</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;3</FONT></TD></TR>
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    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">REPRESENTATIONS AND WARRANTIES</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="padding-left: 10pt; text-align: center; text-indent: -10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Disclosure Letters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representations and Warranties of Steuben</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">9</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;3.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Representations and Warranties of Community</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">31</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;4</FONT></TD></TR>
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    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">COVENANTS AND ADDITIONAL AGREEMENTS OF THE PARTIES</FONT></TD></TR>
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    <TD COLSPAN="3" STYLE="padding-left: 10pt; text-align: center; text-indent: -10pt">&nbsp;</TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conduct of Business Prior to Effective Time</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
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    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Forbearances</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">39</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Litigation</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD></TR>
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    <TD STYLE="width: 11%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.4</FONT></TD>
    <TD STYLE="width: 83%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">State Filings</FONT></TD>
    <TD STYLE="width: 6%; text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">43</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Steuben Shareholder Approval</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">44</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Listing of Community Common Stock</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Reasonable Best Efforts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">45</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.8</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Applications and Consents</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">46</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notification of Certain Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">47</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Investigation and Confidentiality</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Press Releases; Publicity</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">48</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Acquisition Proposals</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">49</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Takeover Laws</FONT></TD>
    <TD STYLE="text-align: right">50</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Employee Matters</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">51</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.15</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Certain Policies</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.16</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Indemnification</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">53</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.17</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Steuben Debt</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">54</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.18</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Systems Integration; Operating Functions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">55</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.19</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Dividends</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.20</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">No Control of Other Party&rsquo;s Business</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;4.21</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Termination of Steuben Dividend Reinvestment Plan</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;5</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">CONDITIONS PRECEDENT TO OBLIGATIONS TO CONSUMMATE</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="padding-left: 10pt; text-align: center; text-indent: -10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Each Party</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">56</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Community</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">57</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;5.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Conditions to Obligations of Steuben</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">58</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;6</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">TERMINATION</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="padding-left: 10pt; text-align: center; text-indent: -10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Termination</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">59</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expense Reimbursement; Termination Fee</FONT></TD>
    <TD STYLE="text-align: right">62</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;6.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Effect of Termination</FONT></TD>
    <TD STYLE="text-align: right">63</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD STYLE="text-align: right">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">ARTICLE&nbsp;7</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD COLSPAN="3" STYLE="text-align: center"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">MISCELLANEOUS</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD COLSPAN="3" STYLE="text-align: center">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.1</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Definitions</FONT></TD>
    <TD STYLE="text-align: right">63</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.2</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Non-Survival of Representations and Covenants</FONT></TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.3</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Expenses</FONT></TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.4</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Entire Agreement</FONT></TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.5</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Amendments</FONT></TD>
    <TD STYLE="text-align: right">72</TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.6</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waivers</FONT></TD>
    <TD STYLE="text-align: right">73</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.7</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Assignment</FONT></TD>
    <TD STYLE="text-align: right">73</TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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    <DIV STYLE="page-break-before: always; margin-top: 6pt; margin-bottom: 12pt"><P STYLE="margin: 0pt">&nbsp;</P></DIV>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="width: 11%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.8</FONT></TD>
    <TD STYLE="width: 83%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Notices</FONT></TD>
    <TD STYLE="width: 6%; text-align: right">73</TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.9</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Governing Law; Jurisdiction</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">74</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.10</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Counterparts</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.11</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Captions</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.12</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Interpretations</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.13</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Severability</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75</FONT></TD></TR>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Section&nbsp;7.14</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Waiver of Jury Trial</FONT></TD>
    <TD STYLE="text-align: right"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">75</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">LIST OF EXHIBITS</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 9%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Exhibit</U></FONT></TD>
    <TD STYLE="width: 91%"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt"><U>Description</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">A</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Bank Merger Agreement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">B</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Shareholder Support Agreement Signatories</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">C</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form&nbsp;of Shareholder Support Agreement</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="padding-left: 12.95pt"><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">D</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">Form&nbsp;of Option Cancellation Acknowledgement</FONT></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="margin: 0pt; font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></P>

<P STYLE="margin: 0pt; font-size: 10pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><B><U>AGREEMENT AND
PLAN OF MERGER</U></B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><B>THIS AGREEMENT AND
PLAN OF MERGER</B> (this &ldquo;<U>Agreement</U>&rdquo;) is made and entered into as of October 18, 2019, by and between <B>Community
Bank System, Inc.</B>, a Delaware corporation (&ldquo;<U>Community</U>&rdquo;), and <B>Steuben Trust Corporation</B><FONT STYLE="text-transform: uppercase">,
</FONT>a New York corporation (&ldquo;<U>Steuben</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Recitals</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, Community is a bank holding company, the sole banking
Subsidiary of which is Community Bank, N.A., a national banking association (&ldquo;<U>Community Bank</U>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, Steuben is a
bank holding company, the sole banking Subsidiary of which is Steuben Trust Company, a New York State-chartered bank (&ldquo;<U>Steuben
Bank</U>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, the Boards of
Directors of Community and Steuben have approved this Agreement and the transactions described herein in accordance with the General
Corporation Law of the State of Delaware (the &ldquo;<U>DGCL</U>&rdquo;) and the Business Corporation Law of the State of New York
(the &ldquo;<U>NYBCL</U>&rdquo;) and have declared the same advisable and in the best interests of Community and Steuben, respectively,
and their respective stockholders;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, this Agreement
provides for the acquisition of Steuben by Community pursuant to the merger of Steuben with and into Community (the &ldquo;<U>Merger</U>&rdquo;).
Immediately following the consummation of the Merger, Steuben Bank shall merge (the &ldquo;<U>Bank Merger</U>&rdquo;) with and
into Community Bank, with Community Bank continuing as the surviving bank, pursuant to the terms of the Plan of Merger and Merger
Agreement between Community Bank and Steuben Bank attached hereto as <U>Exhibit&nbsp;A</U> (the &ldquo;<U>Bank Merger Agreement</U>&rdquo;);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, for U.S. federal
income tax purposes, it is intended that the Merger shall qualify as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)
of the Code, and this Agreement is intended to be and is adopted as a plan of reorganization for purposes of Sections&nbsp;354
and 361 of the Code; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">WHEREAS, concurrently
with the execution and delivery of this Agreement, as a condition and inducement to Community&rsquo;s willingness to enter into
this Agreement, each of the individuals listed on <U>Exhibit&nbsp;B</U> attached hereto who holds Steuben Common Shares has executed
and delivered to Community an agreement in substantially the form of <U>Exhibit&nbsp;C</U> attached hereto (each a &ldquo;<U>Shareholder
Support Agreement</U>&rdquo;), pursuant to which they have agreed, among other things, subject to the terms of such Shareholder
Support Agreement, to vote the Steuben Common Shares held of record by such Persons or as to which they otherwise have beneficial
ownership to adopt this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"><B>NOW, THEREFORE</B>,
in consideration of the above and the mutual warranties, representations, covenants, and agreements set forth herein, and for
other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, and intending to be legally
bound hereby, the Parties agree as follows:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><B>Article&nbsp;1</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>TRANSACTIONS
AND TERMS OF MERGER</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Merger</U>.
Subject to the terms and conditions of this Agreement and in accordance with the DGCL and the NYBCL, at the Effective Time (as
defined in <U>Section&nbsp;1.4</U> herein), Steuben shall be merged with and into Community. Community shall be the surviving corporation
(the &ldquo;<U>Surviving Corporation</U>&rdquo;) resulting from the Merger and the separate corporate existence of Steuben shall
thereupon cease. Community shall continue to be governed by the Laws of the State of Delaware, and the separate corporate existence
of Community with all of its rights, privileges, immunities, powers and franchises shall continue unaffected by the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Bank
Merger</U>. Prior to the Effective Time, Community and Steuben shall cause the Boards of Directors of Community Bank and Steuben
Bank, respectively, to execute the Bank Merger Agreement. Subject to the terms and conditions of this Agreement and the Bank Merger
Agreement, Steuben Bank shall be merged with and into Community Bank in accordance with the provisions of 12 U.S.C. Sections&nbsp;215a
and 1828(c). Community Bank shall be the surviving bank resulting from the Bank Merger and the separate existence of Steuben Bank
shall thereupon cease. Community Bank shall continue to be governed by the Laws of the United States, and the separate existence
of Community Bank with all of its rights, privileges, immunities, powers and franchises shall continue unaffected by the Bank Merger.
Subject to the satisfaction of the conditions to closing set forth in the Bank Merger Agreement, the Bank Merger shall occur immediately
following the Merger or at such later time as Community may determine in its sole discretion.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Closing</U>.
Subject to the terms and conditions of this Agreement, the closing of the Merger (the &ldquo;<U>Closing</U>&rdquo;) shall take
place at 10:00 a.m., New York City time, at the offices of Cadwalader, Wickersham &amp; Taft LLP, 200 Liberty Street, New York,
New York 10281, or by the electronic transmission of signature pages, on a date which shall be no later than three (3) Business
Days after the satisfaction or waiver (subject to applicable Law) of the latest to occur of the conditions set forth in <U>Article&nbsp;5
</U>hereof (other than those conditions that by their nature can only be satisfied at the Closing, but subject to the satisfaction
or waiver thereof), unless another date, time or place is agreed to in writing by Community and Steuben (the date on which the
Closing occurs, the &ldquo;<U>Closing Date</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effective
Time</U>. The Merger shall become effective as set forth in the certificate of merger to be filed with the Secretary of State of
the State of New York (the&nbsp;&ldquo;<U>New York Secretary</U>&rdquo;) and the certificate of merger to be filed with the Secretary
of State of the State of Delaware (the &ldquo;<U>Delaware Secretary</U>&rdquo;), in each case on the Closing Date (together,&nbsp;the
 &ldquo;<U>Certificates of Merger</U>&rdquo;). The term &ldquo;<U>Effective Time</U>&rdquo; shall be the date and time when the
Merger becomes effective, as set forth in the Certificates of Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Effects
of the Merger</U>. The Merger shall have the effects set forth in the applicable provisions of the NYBCL and the DGCL.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Organizational
Documents of Surviving Corporation; Directors and Officers</U>. (a)&nbsp;&nbsp;The Organizational Documents of Community in effect
immediately prior to the Effective Time shall be the Organizational Documents of the Surviving Corporation after the Effective
Time until otherwise amended or repealed.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
directors of Community immediately prior to the Effective Time shall be the directors of the Surviving Corporation as of the Effective
Time. The officers of Community immediately prior to the Effective Time shall be the officers of the Surviving Corporation as of
the Effective Time, until the earlier of their resignation or removal or otherwise ceasing to be an officer or until their respective
successors are duly elected and qualified, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Consequences</U>. It is intended that the Merger shall qualify as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a)
of the Code, and this Agreement is intended to be and is adopted as a &ldquo;plan of reorganization&rdquo; for the purposes of
Sections&nbsp;354 and 361 of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;1.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Structure
Change</U>. Community may at any time change the method of effecting the Merger and the Bank Merger (including by providing for
the merger of Steuben with a wholly-owned Subsidiary of Community) if and to the extent requested by Community, and Steuben agrees
to enter into such amendments to this Agreement as Community may reasonably request in order to give effect to such restructuring;
<U>provided</U>, <U>however</U>, that no such change or amendment shall (a)&nbsp;alter or change the amount or kind of the Merger
Consideration provided for in this Agreement, (b)&nbsp;adversely affect the Tax treatment of the Merger with respect to Steuben&rsquo;s
shareholders or (c)&nbsp;be reasonably likely to cause the Closing to be prevented or materially delayed or the receipt of the
Requisite Regulatory Approvals to be prevented or materially delayed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;2</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>TREATMENT
OF SECURITIES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Treatment
of Shares</U>. (a)&nbsp;&nbsp;<U>Treatment of Steuben Shares</U>. At the Effective Time, by virtue of the Merger and without any
action on the part of the Parties or holders of any securities of Steuben or of Community, subject to <U>Section&nbsp;2.1(c)</U> and
any applicable withholding Tax, each Steuben Common Share issued and outstanding immediately prior to the Effective Time (other
than Steuben Common Shares to be cancelled in accordance with <U>Section&nbsp;2.1(b)</U> and other than any Proposed Dissenting
Shares) shall be automatically converted into the right to receive (i)&nbsp;0.8054 shares of Community Common Stock (the &ldquo;<U>Per
Share Stock Consideration</U>&rdquo;) and (ii)&nbsp;$12.60 in cash (the &ldquo;<U>Per Share Cash Consideration</U>&rdquo;, and,
together with the Per Share Stock Consideration, the &ldquo;<U>Merger Consideration</U>&rdquo;), in each case without interest.
From and after the Effective Time, all such Steuben Common Shares shall no longer be outstanding and shall automatically be cancelled
and shall cease to exist, and each applicable holder of such Steuben Common Shares shall cease to have any rights with respect
thereto, except the right to receive the Merger Consideration therefor upon the surrender of such Steuben Common Shares in accordance
with <U>Section&nbsp;2.2(b)</U>, including the right to receive, pursuant to <U>Section&nbsp;2.6</U>, cash in lieu of fractional
shares of Community Common Stock, if any, into which such Steuben Common Shares have been converted pursuant to this <U>Section&nbsp;2.1(a)</U> (the &ldquo;<U>Fractional Share Consideration</U>&rdquo;), together with the amounts, if any, payable pursuant to <U>Section&nbsp;2.2(f)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Cancellation
of Steuben Common Shares</U>. At the Effective Time, all Steuben Common Shares owned by any of the Parties or by any of their respective
Subsidiaries (other than any such shares owned in a fiduciary capacity or as a result of debts previously contracted) shall be
cancelled and shall cease to exist, and no consideration shall be delivered in exchange therefor<FONT STYLE="text-transform: uppercase">.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Adjustment
to Merger Consideration</U>. The Merger Consideration shall be adjusted appropriately to reflect the effect of any stock split,
reverse stock split, stock dividend (including any dividend or distribution of securities convertible into Steuben Common Shares
or Community Common Stock, as applicable), reorganization, recapitalization, reclassification, combination, exchange of shares
or other like change with respect to the number of Steuben Common Shares or shares of Community Common Stock outstanding after
the date hereof and prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Community
Common Stock</U>. At and after the Effective Time, each share of Community Common Stock issued and outstanding immediately prior
to the Effective Time shall remain an issued and outstanding share of Community Common Stock and shall not be affected by the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Payment
for Securities; Surrender of Steuben Certificates</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Exchange
Fund</U>. Prior to the Effective Time, Community shall designate a bank or trust company reasonably acceptable to Steuben to act
as the exchange agent in connection with the Merger (the &ldquo;<U>Exchange Agent</U>&rdquo;). The Exchange Agent shall also act
as the agent for Steuben&rsquo;s shareholders for the purpose of receiving and holding their Steuben Certificates and Book-Entry
Shares and shall obtain no rights or interests in the shares represented thereby. At or immediately after the Effective Time,
Community shall deposit, or cause to be deposited, with the Exchange Agent (i)&nbsp;evidence of Community Common Stock issuable
pursuant to <U>Section&nbsp;2.1(a)</U> in book-entry form equal to the aggregate Community Common Stock portion of the Merger
Consideration (excluding any Fractional Share Consideration), and (ii)&nbsp;cash in immediately available funds in an amount sufficient
to pay the aggregate cash portion of the Merger Consideration, Fractional Share Consideration and any dividends under <U>Section&nbsp;2.2(f)</U> (such evidence of book-entry shares of Community Common Stock and cash amounts, together with any dividends or other distributions
with respect thereto, the &ldquo;<U>Exchange Fund</U>&rdquo;), in each case, for the sole benefit of the holders of Steuben Common
Shares. In the event the Exchange Fund shall be insufficient to pay the aggregate cash portion of the Merger Consideration, Fractional
Share Consideration and any dividends under <U>Section&nbsp;2.2(f)</U>, Community shall promptly deposit additional funds with
the Exchange Agent in an amount which is equal to the deficiency in the amount required to make such payment. Community shall
cause the Exchange Agent to make, and the Exchange Agent shall make, delivery of the Merger Consideration, including payment of
the Fractional Share Consideration and any amounts payable in respect of dividends or other distributions on shares of Community
Common Stock in accordance with <U>Section&nbsp;2.2(f)</U> out of the Exchange Fund in accordance with this Agreement. The Exchange
Fund shall not be used for any purpose that is not expressly provided for in this Agreement. The cash portion of the Exchange
Fund shall be invested by the Exchange Agent as reasonably directed by Community; <U>provided</U>, <U>however</U>, that no such
investment or loss thereon shall affect the amounts payable to holders of Steuben Certificates or Book-Entry Shares pursuant to
this <U>Article&nbsp;2</U>. Any interest and other income resulting from such investments shall be paid to Community on the earlier
of (A)&nbsp;one (1)&nbsp;year after the Effective Time or (B)&nbsp;the full payment of the Exchange Fund.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Procedures
for Surrender</U>. Promptly after the Effective Time, Community shall cause the Exchange Agent to mail (and make available for
collection by hand) to each holder of record of a certificate or certificates which immediately prior to the Effective Time represented
outstanding Steuben Common Shares (the &ldquo;<U>Steuben&nbsp;Certificates</U>&rdquo;) or non-certificated Steuben Common Shares
represented by book-entry (&ldquo;<U>Book-Entry Shares</U>&rdquo;) and whose Steuben Common Shares were converted pursuant to <U>Section&nbsp;2.1</U>
into the right to receive the Merger Consideration (i)&nbsp;a letter of transmittal, which shall specify that delivery shall be
effected, and risk of loss and title to the Steuben Certificates shall pass, only upon delivery of the Steuben Certificates (or
affidavits of loss in lieu thereof) to the Exchange Agent and shall be in such form and have such other provisions as Community
may reasonably specify and (ii)&nbsp;instructions for effecting the surrender of the Steuben Certificates (or affidavits of loss
in lieu thereof) or Book-Entry Shares in exchange for payment of the Merger Consideration into which such Steuben Common Shares
have been converted pursuant to <U>Section 2.1</U>, including any amount payable in respect of Fractional Share Consideration in
accordance with <U>Section&nbsp;2.6</U>, and any dividends or other distributions on shares of Community Common Stock in accordance
with <U>Section&nbsp;2.2(f)</U>. Upon surrender of a Steuben Certificate (or an affidavit of loss in lieu thereof) or Book-Entry
Share for cancellation to the Exchange Agent or to such other agent or agents as may be appointed by Community, together with such
letter of transmittal duly completed and validly executed in accordance with the instructions thereto, and such other documents
as may be required pursuant to such instructions, the holder of such Steuben Certificate or Book-Entry Share shall be entitled
to receive in exchange therefor the applicable Merger Consideration pursuant to the provisions of this <U>Article&nbsp;2</U>, any
Fractional Share Consideration that such holder has the right to receive pursuant to the provisions of <U>Section&nbsp;2.6</U>,
and any amounts that such holder has the right to receive in respect of dividends or other distributions on shares of Community
Common Stock in accordance with <U>Section&nbsp;2.2(f)</U> for each Steuben Common Share formerly represented by such Steuben Certificate
or Book-Entry Share, to be mailed (or made available for collection by hand if so elected by the surrendering holder) within five
(5)&nbsp;Business Days following the Exchange Agent&rsquo;s receipt of such Steuben Certificate (or affidavit of loss in lieu thereof)
or Book-Entry Share, and the Steuben Certificate (or affidavit of loss in lieu thereof) or Book-Entry Share so surrendered shall
be forthwith cancelled. The Exchange Agent shall accept such Steuben Certificates (or affidavits of loss in lieu thereof) or Book-Entry
Shares upon compliance with such reasonable terms and conditions as the Exchange Agent may impose to effect an orderly exchange
thereof in accordance with normal exchange practices. If payment of the Merger Consideration is to be made to a Person other than
the Person in whose name the surrendered Steuben Certificate is registered, it shall be a condition precedent of payment that (A)&nbsp;the
Steuben Certificate so surrendered shall be properly endorsed or shall be otherwise in proper form for transfer and (B)&nbsp;the
Person requesting such payment shall have paid any transfer and other similar Taxes required by reason of the payment of the Merger
Consideration to a Person other than the registered holder of the Steuben Certificate surrendered or shall have established to
the satisfaction of Community that such Tax either has been paid or is not required to be paid. Payment of the applicable Merger
Consideration with respect to Book-Entry Shares shall only be made to the Person in whose name such Book-Entry Shares are registered.
Until surrendered as contemplated by this <U>Section&nbsp;2.2</U>, each Steuben Certificate and Book-Entry Share shall be deemed
at any time after the Effective Time to represent only the right to receive the applicable Merger Consideration contemplated by
this <U>Article&nbsp;2</U>, including any amount payable in respect of Fractional Share Consideration in accordance with <U>Section&nbsp;2.6</U>,
and any dividends or other distributions on shares of Community Common Stock in accordance with <U>Section&nbsp;2.2(f)</U>, without
interest thereon.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Transfer
Books; No Further Ownership Rights in Steuben Shares</U>. At the Effective Time, the stock transfer books of Steuben shall be closed
and thereafter there shall be no further registration of transfers of Steuben Common Shares on the records of Steuben. From and
after the Effective Time, the holders of Steuben Certificates or Book-Entry Shares outstanding immediately prior to the Effective
Time shall cease to have any rights with respect to such Steuben Common Shares except as otherwise provided for herein or by applicable
Law. If, after the Effective Time, Steuben Certificates or Book-Entry Shares are presented to the Surviving Corporation for any
reason, they shall be cancelled and exchanged as provided in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Exchange Fund; No Liability</U>. At any time following twelve (12)&nbsp;months after the Effective Time, Community shall be
entitled to require the Exchange Agent to deliver to it any funds (including any interest received with respect thereto) remaining
in the Exchange Fund that have not been disbursed, or for which disbursement is pending subject only to the Exchange Agent&rsquo;s
routine administrative procedures, to holders of Steuben Certificates or Book-Entry Shares, and thereafter such holders shall be
entitled to look only to Community (subject to abandoned property, escheat or other similar Laws) as general creditors thereof
with respect to the applicable Merger Consideration, including any amount payable in respect of Fractional Share Consideration
in accordance with <U>Section&nbsp;2.6</U>, and any dividends or other distributions on shares of Community Common Stock in accordance
with <U>Section&nbsp;2.2(f),</U> payable upon due surrender of their Steuben Certificates or Book-Entry Shares and compliance with
the procedures in <U>Section&nbsp;2.2(b)</U>, without any interest thereon. Notwithstanding the foregoing, neither Community nor
the Exchange Agent shall be liable to any holder of a Steuben Certificate or Book-Entry Share for any Merger Consideration or other
amounts delivered to a public official pursuant to any applicable abandoned property, escheat or similar Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Lost,
Stolen or Destroyed Steuben Certificates</U>. In the event that any Steuben Certificates shall have been lost, stolen or destroyed,
the Exchange Agent shall issue in exchange for such lost, stolen or destroyed Steuben Certificates, upon the making of an affidavit
of that fact by the holder thereof, and the compliance by such holder with such other requirements of the Exchange Agent, the applicable
Merger Consideration, payable in respect thereof pursuant to <U>Section&nbsp;2.1</U> hereof, including, any amount payable in respect
of Fractional Share Consideration in accordance with <U>Section&nbsp;2.6</U>, and any dividends or other distributions on shares
of Community Common Stock in accordance with <U>Section&nbsp;2.2(f)</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends
or Distributions with Respect to Community Common Stock</U>. No dividends or other distributions with respect to Community Common
Stock with a record date after the Effective Time shall be paid to the holder of any unsurrendered Steuben Certificate or Book-Entry
Share with respect to the shares of Community Common Stock issuable hereunder, and all such dividends and other distributions
shall be paid by Community to the Exchange Agent and shall be included in the Exchange Fund, in each case until the surrender
of such Steuben Certificate or Book-Entry Share (or affidavit of loss in lieu thereof) in accordance with this Agreement. Subject
to applicable Laws, following surrender of any such Steuben Certificate or Book-Entry Share (or affidavit of loss in lieu thereof)
there shall be paid to the holder thereof, without interest, (i)&nbsp;the amount of dividends or other distributions with a record
date after the Effective Time theretofore paid with respect to such shares of Community Common Stock to which such holder is entitled
pursuant to this Agreement and (ii)&nbsp;at the appropriate payment date, the amount of dividends or other distributions with
a record date after the Effective Time but prior to such surrender and with a payment date subsequent to such surrender payable
with respect to such shares of Community Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dissenters&rsquo;
Rights</U>. (a)&nbsp;&nbsp;Notwithstanding anything in this Agreement to the contrary, Steuben Common Shares issued and outstanding
immediately prior to the Effective Time and held by a holder of record who did not vote in favor of the adoption of this Agreement
(or consent thereto in writing) and is entitled to demand and properly demands appraisal of such Steuben Common Shares (&ldquo;<U>Dissenting
Shares</U>&rdquo;) pursuant to, and who complies in all respects with, Sections&nbsp;623 and 910 of the NYBCL (the &ldquo;<U>Appraisal
Rights</U>&rdquo;) shall not be converted into the right to receive the Merger Consideration payable pursuant to <U>Section&nbsp;2.1</U>,
but instead at the Effective Time shall be converted into the right to receive payment of the fair value of such Steuben Common
Shares in accordance with the Appraisal Rights (it being understood and acknowledged that at the Effective Time, such Dissenting
Shares shall no longer be outstanding, shall automatically be cancelled and shall cease to exist, and such holder shall cease to
have any rights with respect thereto other than the right to receive the appraised value of such Dissenting Shares to the extent
afforded by the Appraisal Rights)&#894; <U>provided</U>, <U>however</U>, that if any such holder (including any holder of Proposed
Dissenting Shares) shall fail to perfect or otherwise shall waive, withdraw or lose the right to payment of the fair value of such
Dissenting Shares under the Appraisal Rights, then the right of such holder to be paid the fair value of such holder&rsquo;s Dissenting
Shares shall cease and such Dissenting Shares shall be deemed to have been converted as of the Effective Time into, and to have
become exchangeable solely for the right to receive, without interest or duplication, the Merger Consideration. &ldquo;<U>Proposed
Dissenting Shares</U>&rdquo; means Steuben Common Shares whose holders provide demands for appraisal to Steuben prior to the Steuben
Shareholder Meeting, or at such meeting but before the vote, and do not vote in favor of the adoption of this Agreement, in each
case in accordance with the Appraisal Rights.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
shall give prompt notice to Community of any demands received by Steuben for appraisal of any Steuben Common Shares, of any withdrawals
of such demands and of any other instruments served pursuant to the NYBCL and received by Steuben relating to Appraisal Rights,
and Community shall have the opportunity to participate in and direct all negotiations and proceedings with respect to such demands.
Prior to the Effective Time, Steuben shall not, without the prior written consent of Community, make any payment with respect to,
or settle or compromise or offer to settle or compromise, any such demand, or agree to do any of the foregoing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Treatment
of Steuben Stock Options</U>. (a)&nbsp;&nbsp;As of the Effective Time, each option to purchase Steuben Common Shares granted under
any Steuben Benefit Plan that is outstanding and unexercised immediately prior to the Effective Time (a &ldquo;<U>Steuben Stock
Option</U>&rdquo;), whether or not then vested or exercisable, shall, automatically and without any action on behalf of the holder
thereof, be cancelled and converted into a right of the former holder of such Steuben Stock Option to receive the applicable Steuben
Stock Option Consideration. For purposes of this Agreement, the &ldquo;<U>Steuben Stock Option Consideration</U>&rdquo; means,
with respect to a Steuben Stock Option, an amount in cash, without interest, equal to the product of (x)&nbsp;the number of Steuben
Common Shares underlying such Steuben Stock Option <I>multiplied by</I> (y)&nbsp;the excess, if any, of the Per Share Merger Consideration
Value over the exercise price per share of such Steuben Stock Option. &ldquo;<U>Per Share Merger Consideration Value</U>&rdquo;
means (i)&nbsp;the Per Share Cash Consideration <I>plus</I> (ii)&nbsp;the value equal to the Per Share Stock Consideration <I>multiplied
by</I> the Average Closing Price. For the avoidance of doubt, any Steuben Stock Option with an exercise price per share that is
equal to or in excess of the Per Share Merger Consideration Value shall be automatically cancelled pursuant to this <U>Section&nbsp;2.4
</U>without any consideration.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Effective Time, Steuben or its Board of Directors or a committee thereof, as applicable, shall pass resolutions and take
any actions as are necessary to effectuate the provisions of this <U>Section&nbsp;2.4</U>. Steuben shall use reasonable best efforts
to cause each holder of a Steuben Stock Option to execute and deliver to Community an Option Cancellation Acknowledgement in substantially
the form of <U>Exhibit D</U> attached hereto (each, an &ldquo;<U>Option Cancellation Acknowledgement</U>&rdquo;) pursuant to which
each such holder shall agree, among other things, subject to the terms of such Option Cancellation Acknowledgement and this Agreement,
that, as of immediately prior to the Effective Time, each of such holder&rsquo;s Steuben Stock Options shall be cancelled and converted
into the right to receive the Steuben Stock Option Consideration in accordance with this <U>Section 2.4</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to <U>Section&nbsp;2.5</U>, promptly following the Effective Time but no later than thirty (30) days following the Effective Time,
any amounts due to the former holders of Steuben Stock Options pursuant to this <U>Section&nbsp;2.4</U> shall be paid through the
payroll system of the Surviving Corporation or one of its Subsidiaries.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Withholding</U>.
Community shall be entitled to deduct and withhold, or cause the Exchange Agent or the Surviving Corporation or any of its Subsidiaries
to deduct and withhold, from the consideration otherwise payable to a holder of Steuben Common Shares or Steuben Stock Options,
as applicable, pursuant to this Agreement, any amounts as are required to be withheld or deducted with respect to such consideration
under the Code, or any applicable provisions of state, local or foreign Tax Law. To the extent that amounts are so withheld and
timely remitted to the appropriate Governmental Authority, such withheld amounts shall be treated for all purposes of this Agreement
as having been paid to the holder of Steuben Common Shares or Steuben Stock Options, as applicable, in respect of which such deduction
and withholding was made.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;2.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Fractional
Shares</U>. No certificate or scrip representing fractional shares of Community Common Stock shall be issued upon the surrender
for exchange of Steuben Certificates or Book-Entry Shares, and such fractional share interests shall not entitle the owner thereof
to vote or to any other rights of a stockholder of Community. Notwithstanding any other provision of this Agreement, each holder
of Steuben Common Shares converted pursuant to the Merger who would otherwise have been entitled to receive a fraction of a share
of Community Common Stock shall receive, in lieu thereof, cash, without interest, in an amount equal to such fractional part of
a share of Community Common Stock <I>multiplied by</I> the Average Closing Price (rounded to the nearest whole cent).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;3</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>REPRESENTATIONS
AND WARRANTIES</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Disclosure
Letters</U>. Concurrently with the execution and delivery of this Agreement, Steuben has delivered to Community and Community has
delivered to Steuben a letter (the &ldquo;<U>Steuben Disclosure Letter</U>&rdquo; and the &ldquo;<U>Community Disclosure Letter</U>,&rdquo;
respectively) setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to
an express disclosure requirement contained in a provision hereof or as an exception to one or more of Steuben&rsquo;s or Community&rsquo;s,
respectively, representations or warranties contained in this <U>Article&nbsp;3</U> or to one or more of its covenants contained
in <U>Article&nbsp;4</U>; <U>provided</U>, that (a)&nbsp;no such item is required to be set forth in the Steuben Disclosure Letter
or the Community Disclosure Letter as an exception to any representation or warranty of Steuben or Community, respectively, if
its absence would not result in the related representation or warranty being deemed untrue or incorrect, and (b)&nbsp;the mere
inclusion of an item in the Steuben Disclosure Letter or the Community Disclosure Letter as an exception to a representation or
warranty shall not be deemed an admission by Steuben or Community, respectively, that such item represents a material exception
or fact, event or circumstance or that such item would reasonably be expected to result in a Material Adverse Effect on Steuben
or Community, respectively. Any disclosures made with respect to a subsection of <U>Section&nbsp;3.2</U> or <U>Section&nbsp;3.3
</U>shall be deemed to qualify any other subsections of <U>Section&nbsp;3.2</U> or <U>Section&nbsp;3.3</U>, respectively, specifically
referenced or cross-referenced or that contains sufficient detail to enable a reasonable Person to recognize the relevance of such
disclosure to such other subsections.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties of Steuben</U>. Subject to and giving effect to <U>Section&nbsp;3.1</U> and except as set forth in the Steuben Disclosure
Letter, Steuben hereby represents and warrants to Community as follows:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Organization,
Standing, and Power</U>. Each Subsidiary of Steuben is listed in <U>Section&nbsp;3.2(a)</U> of the Steuben Disclosure Letter. Steuben
and each of its Subsidiaries (i)&nbsp;are duly organized, validly existing, and (as to corporations) are in good standing under
the Laws of the jurisdiction of their respective organization, (ii)&nbsp;have the requisite corporate power and authority to own,
lease, and operate their properties and assets and to carry on their businesses as now conducted, and (iii)&nbsp;are duly qualified
or licensed to do business and in good standing in the States of the United States and foreign jurisdictions where the character
of their assets or the nature or conduct of their business requires them to be so qualified or licensed, except in the case of
this clause&nbsp;(iii) where the failure to be so qualified or licensed, individually or in the aggregate, has not had and would
not reasonably be expected to have a Material Adverse Effect on Steuben. Steuben is registered with the Federal Reserve Board as
a bank holding company within the meaning of the BHC Act and has elected to be, and qualifies, as a financial holding company under
the BHC Act. Steuben Bank is a New York State-chartered bank with its main office located in the State of New York. Steuben Bank
is an &ldquo;insured depository institution&rdquo; as defined in the Federal Deposit Insurance Act of 1950 and applicable regulations
thereunder, its deposits are insured by the FDIC through the Deposit Insurance Fund to the fullest extent permitted by Law, and
all insurance premiums and assessments required to be paid in connection therewith have been paid when due. No action for the revocation
or termination of such deposit insurance is pending or, to the Knowledge of Steuben, threatened. Steuben Bank is a member in good
standing of the Federal Home Loan Bank of New York.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Authority;
No Breach of Agreement</U>. (i)&nbsp;&nbsp;Steuben has the corporate power and authority necessary to execute, deliver, and perform
its obligations under this Agreement and to consummate the transactions contemplated hereby. The execution, delivery, and performance
of this Agreement, and the consummation of the transactions contemplated hereby, have been duly and validly authorized by all
necessary corporate action (including valid authorization and adoption of this Agreement by Steuben&rsquo;s duly constituted Board
of Directors), subject only to the Steuben Shareholder Approval. This Agreement has been duly executed and delivered by Steuben
and, assuming due authorization, execution and delivery of this Agreement by Community, this Agreement represents a legal, valid
and binding obligation of Steuben enforceable against Steuben in accordance with its terms (except in all cases as such enforceability
may be limited by (A)&nbsp;bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship and other Laws now
or hereafter in effect relating to or affecting the enforcement of creditors&rsquo; rights generally and (B)&nbsp;general equitable
principles and except that the availability of the equitable remedy of specific performance or injunctive relief is subject to
the discretion of the court before which any proceeding may be brought).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben&rsquo;s
Board of Directors has: (A)&nbsp;by the unanimous vote of the entire Board of Directors, duly approved and declared advisable this
Agreement and the Merger and the other transactions contemplated hereby, including the Bank Merger Agreement and the Bank Merger;
(B)&nbsp;determined that this Agreement and the transactions contemplated hereby are fair to and in the best interests of Steuben
and the holders of Steuben Common Shares; (C)&nbsp;resolved to recommend that the holders of Steuben Common Shares adopt this Agreement
(such recommendation being the &ldquo;<U>Steuben Directors&rsquo; Recommendation</U>&rdquo;); and (D)&nbsp;directed that this Agreement
be submitted to the holders of Steuben Common Shares for their adoption.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Steuben
Bank&rsquo;s Board of Directors has, by the unanimous vote of the entire Board of Directors, duly approved and declared advisable
the Bank Merger Agreement, the Bank Merger and the other transactions contemplated hereby and thereby.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;The
Steuben Shareholder Approval is the only vote of the holders of any class or series of Steuben&rsquo;s capital stock or other securities
required by applicable Law or the Organizational Documents of Steuben in connection with the consummation of the Merger. No vote
of the holders of any class or series of Steuben&rsquo;s capital stock or other securities is required in connection with the consummation
of any of the transactions contemplated hereby to be consummated by Steuben other than the Merger.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
the execution and delivery of this Agreement or the Bank Merger Agreement by Steuben or Steuben Bank, as applicable, nor the consummation
by either of them of the transactions contemplated hereby or thereby, nor compliance by either of them with any of the provisions
hereof or thereof, will (A)&nbsp;violate, conflict with or result in a breach of any provision of the Organizational Documents
of Steuben or any of its Subsidiaries, (B)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any
benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would constitute a default) under,
result in the termination of or a right of termination or cancellation under, accelerate the performance required by, or result
in the creation of any Lien (other than Permitted Liens) upon any of the respective properties or assets of Steuben or any of its
Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license,
lease, Contract, Permit or other instrument or obligation to which Steuben or any of its Subsidiaries is a party, or by which they
or any of their respective properties or assets may be bound, or (C)&nbsp;subject to receipt of the Requisite Regulatory Approvals
and the expiration of any waiting period required by Law as described in clause&nbsp;(vi) below, violate any Law or Order applicable
to Steuben or its Subsidiaries or any of their respective material assets.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vi)&nbsp;&nbsp;&nbsp;&nbsp;Other
than in connection or compliance with the provisions of the Securities Laws, and other than (A)&nbsp;the filing of applications,
filings and notices, as applicable, with the Federal Reserve Board under the BHC Act and approval of such applications, filings
and notices, (B)&nbsp;the filing of applications, filings and notices, as applicable, with the OCC in connection with the Bank
Merger, including under the Bank Merger Act, and approval of such applications, filings and notices, (C)&nbsp;the filing of any
required applications, filings or notices with any state banking authorities listed in Section&nbsp;3.2(b)(vi)(C) of the Steuben
Disclosure Letter or Section&nbsp;3.3(b)(iv) of the Community Disclosure Letter and approval of such applications, filings or notices,
(D)&nbsp;the filing of the Certificates of Merger with the New York Secretary and the Delaware Secretary as required by the NYBCL
and the DGCL, respectively, and (E)&nbsp;as otherwise set forth in Section&nbsp;3.2(b)(vi)(E) of the Steuben Disclosure Letter,
no Order of, or Consent of, to or with, any Governmental Authority or other third party is necessary in connection with the execution,
delivery or performance of this Agreement or the Bank Merger Agreement by Steuben or Steuben Bank, as applicable, or the consummation
by Steuben or Steuben Bank, as applicable, of the Merger, the Bank Merger and the other transactions contemplated by this Agreement
and the Bank Merger Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Capital
Stock</U>. Steuben&rsquo;s authorized capital stock consists of (i)&nbsp;5,000,000 Steuben Common Shares, of which, as of October
17, 2019 (the &ldquo;<U>Capitalization Date</U>&rdquo;), 1,689,456 shares are issued and outstanding and 98,336 shares are held
in its treasury and (ii)&nbsp;500,000 shares of preferred stock, par value $10.00 per share, 65,000 of which have been designated
Series&nbsp;A 8% Cumulative Convertible Preferred Stock, zero shares of which are issued and outstanding. As of the Capitalization
Date, there were (x) 16,860 Steuben Common Shares reserved for issuance upon the exercise of outstanding Steuben Stock Options
at a weighted average exercise price of $38.86 (of which Steuben Stock Options with respect to 9,420 shares are exercisable) and
(y) 105,594 Steuben Common Shares reserved for issuance in respect of the Steuben Dividend Reinvestment Plan. Set forth in Section&nbsp;3.2(c)(i)
of the Steuben Disclosure Letter is a true and complete schedule of all outstanding Rights to acquire Steuben Common Shares, including
grant date, vesting schedule, exercise price, expiration date and the name of the holder of such Rights. Except as set forth in
this <U>Section&nbsp;3.2(c)</U>, or in Section&nbsp;3.2(c)(i) of the Steuben Disclosure Letter, there are no Steuben Common Shares
or other equity or equity-based securities of Steuben outstanding or reserved for issuance and no outstanding Rights relating
to the Steuben Common Shares or Steuben preferred stock, and no Person has any Contract or any right or privilege (whether pre-emptive
or contractual) capable of becoming a Contract or Right for the purchase, subscription or issuance of any securities of Steuben.
All of the outstanding Steuben Common Shares are duly and validly issued and outstanding and are fully paid and, except as expressly
provided otherwise under applicable Law, nonassessable under the NYBCL. None of the outstanding Steuben Common Shares have been
issued in violation of any preemptive rights of the current or past shareholders of Steuben. There are no Contracts among Steuben
and its shareholders or by which Steuben is bound with respect to the voting, transfer, repurchase or redemption of Steuben Common
Shares or the granting of registration rights to any holder thereof. All of the outstanding Steuben Common Shares and all Rights
to acquire Steuben Common Shares have been issued in compliance with all applicable federal and state Securities Laws, and all
Steuben Common Shares underlying Steuben Stock Options or issuable under the Steuben Dividend Reinvestment Plan have been validly
and timely registered with the SEC, to the extent required to be registered. All issued and outstanding shares of capital stock
of Steuben&rsquo;s Subsidiaries have been duly authorized and are validly issued, fully paid and nonassessable. All of the outstanding
shares of capital stock of Steuben&rsquo;s Subsidiaries are owned by Steuben or a wholly owned Subsidiary thereof, free and clear
of all Liens. None of Steuben&rsquo;s Subsidiaries has outstanding any Right to acquire any shares of its capital stock or any
security convertible into such shares, or has any obligation or commitment to issue, sell or deliver any of the foregoing or any
shares of its capital stock. The outstanding capital stock of each of Steuben&rsquo;s Subsidiaries has been issued in compliance
with all legal requirements and is not subject to any preemptive or similar rights. Except as set forth in Section 3.2(c)(ii)
of the Steuben Disclosure Letter, Steuben has no direct or indirect ownership interest in any firm, corporation, bank, joint venture,
association, partnership or other entity, nor is it under any current or prospective obligation to form or participate in, provide
funds to, make any loan, capital contribution, guarantee, credit enhancement or other investment in, or assume any Liability or
obligation of, any Person other than lending transactions which occur in the ordinary course of business consistent with past
practice. Neither Steuben nor any of its Subsidiaries has any outstanding bonds, debentures, notes or other obligations having
the right to vote (or convertible into, or exchangeable or exercisable for, securities having the right to vote) with the shareholders
of Steuben or such Subsidiary on any matter. Section&nbsp;3.2(c)(ii) of the Steuben Disclosure Letter sets forth a true, correct
and complete listing of each outstanding series of trust preferred securities of Steuben and certain information with respect
thereto, including the holders of such securities as of the date of this Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reports;
Financial Statements</U>. (i)&nbsp;&nbsp;Steuben and each of its Subsidiaries have timely filed (or furnished, as applicable)
all reports, registrations and statements, together with any amendments required to be made with respect thereto, that they were
required to file since December 31, 2016 with any Governmental Authorities (including any Regulatory Authorities), including any
report, registration or statement required to be filed (or furnished, as applicable) pursuant to the Laws of the United States,
any state or political subdivision, any foreign entity or jurisdiction, or any other Governmental Authority or Regulatory Authority,
and have paid all fees and assessments due and payable in connection therewith. Except for normal examinations conducted by a
Regulatory Authority in the ordinary course of business of Steuben and its Subsidiaries, (A)&nbsp;no Regulatory Authority has
initiated or has pending any proceeding or, to the Knowledge of Steuben, investigation into the business or operations of Steuben
or any of its Subsidiaries since December&nbsp;31, 2016, (B)&nbsp;there is no unresolved violation, criticism, or exception by
any Regulatory Authority with respect to any report or statement relating to any examinations or inspections of Steuben or any
of its Subsidiaries, and (C)&nbsp;there has been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory
Authority with respect to the business, operations, policies or procedures of Steuben or any of its Subsidiaries since December&nbsp;31,
2016.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An
accurate copy of each final SEC Report filed with or furnished by Steuben or any of its Subsidiaries to the SEC since December&nbsp;31,
2016 pursuant to the Securities Act or the Exchange Act (the &ldquo;<U>Steuben Reports</U>&rdquo;) is publicly available. No Steuben
Report, as of the date thereof (and, in the case of registration statements and proxy statements, on the dates of effectiveness
and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact or omitted to state any
material fact required to be stated therein or necessary in order to make the statements therein, in light of the circumstances
in which they were made, not misleading, except that information filed or furnished as of a later date (but before the date of
this Agreement) shall be deemed to modify information as of an earlier date. As of their respective dates, all of the Steuben Reports
complied in all material respects with the published rules and regulations of the SEC with respect thereto. As of the date of this
Agreement, there are no outstanding comments from or unresolved issues raised by the SEC with respect to any of the Steuben Reports.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Steuben
has delivered, or caused to be delivered, to Community, or provided Community access to, true and complete copies of the Steuben
Financial Statements. The Steuben Financial Statements (A)&nbsp;have been prepared from, and are in accordance with, the books
and records of Steuben and its Subsidiaries, (B)&nbsp;fairly present in all material respects the consolidated results of operations,
cash flows, changes in shareholders&rsquo; equity and consolidated financial position of Steuben and its Subsidiaries for the respective
fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit adjustments
normal in nature and amount), (C)&nbsp;comply in all material respects with applicable accounting requirements and with applicable
Law with respect thereto and (D)&nbsp;have been prepared in accordance with GAAP consistently applied during the periods involved,
except, in each case, as indicated in such statements or in the notes thereto. The books and records of Steuben and its Subsidiaries
have been, and are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting
requirements and reflect only actual transactions. Crowe LLP has not resigned (or informed Steuben that it intends to resign) or
been dismissed as independent public accountants of Steuben as a result of or in connection with any disagreements with Steuben
on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries has any Liability (whether absolute, accrued, contingent or otherwise and whether due or to
become due) required by GAAP to be included on a consolidated balance sheet of Steuben, except for those liabilities that are
reflected or reserved against on the consolidated balance sheet of Steuben as of June&nbsp;30, 2019 (including any notes thereto)
included in the Steuben Financial Statements, and for liabilities incurred in (A)&nbsp;the ordinary course of business consistent
with past practice since June&nbsp;30, 2019 that are not, individually or in the aggregate, material to Steuben and its Subsidiaries,
taken as a whole, or (B)&nbsp;in connection with this Agreement and the transactions contemplated hereby.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
records, systems, controls, data and information of Steuben and its Subsidiaries are recorded, stored, maintained and operated
under means (including any electronic, mechanical or photographic process, whether computerized or not) that are under the exclusive
ownership and direct control of Steuben or its Subsidiaries or accountants (including all means of access thereto and therefrom).
Steuben has disclosed, based on its most recent evaluation prior to the date hereof, to Steuben&rsquo;s outside auditors and the
audit committee of Steuben&rsquo;s Board of Directors (x)&nbsp;any significant deficiencies and material weaknesses in the design
or operation of internal control over financial reporting which are reasonably likely to adversely affect in any material respect
Steuben&rsquo;s ability to record, process, summarize and report financial information, and (y)&nbsp;to the Knowledge of Steuben,
any fraud, whether or not material, that involves management or other employees who have a significant role in Steuben&rsquo;s
internal controls over financial reporting.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vi)&nbsp;&nbsp;&nbsp;&nbsp;Since
December&nbsp;31, 2016, (A)&nbsp;neither Steuben nor any of its Subsidiaries, nor, to the Knowledge of Steuben, any director, officer,
auditor, accountant or Representative of Steuben or any of its Subsidiaries, has received or otherwise had or obtained knowledge
of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting or auditing practices,
procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs and accruals) of Steuben
or any of its Subsidiaries or their respective internal accounting controls, including any material complaint, allegation, assertion
or claim that Steuben or any of its Subsidiaries has engaged in questionable accounting or auditing practices, and (B)&nbsp;no
attorney representing Steuben or any of its Subsidiaries, whether or not employed by Steuben or any of its Subsidiaries, has reported
evidence of a material violation of Securities Laws, breach of fiduciary duty or similar violation by Steuben or any of its officers,
directors, employees or agents to the Board of Directors of Steuben or any committee thereof or to the Knowledge of Steuben, to
any director or officer of Steuben.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Absence
of Certain Changes or Events</U>. Since December&nbsp;31, 2018, (A)&nbsp;except as disclosed in Section 3.2(e) of the Steuben Disclosure
Letter and except for the negotiation of this Agreement and the transactions contemplated hereby, Steuben and each of its Subsidiaries
has conducted its business in all material respects in the ordinary course of business consistent with past practice, (B)&nbsp;neither
Steuben nor any of its Subsidiaries has taken any action which, if taken after the date of this Agreement, would constitute a breach
of <U>Section&nbsp;4.1</U> or <U>4.2</U>, and (C)&nbsp;there have been no facts, events, changes, circumstances or effects that
have had, or would reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect on Steuben.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Matters</U>. (i)&nbsp;&nbsp;All material amounts of Taxes of Steuben and each of its Subsidiaries (whether or not shown or required
to be shown on any Tax Return) have been fully and timely paid. Each of Steuben and its Subsidiaries has timely filed all Tax
Returns required to have been filed by it or on its behalf, and each such Tax Return is true, complete and accurate in all material
respects. Neither Steuben nor any of its Subsidiaries is the beneficiary of any extension of time within which to file any Tax
Return. There have been no examinations or audits of any Tax Return by any Taxing Authority. Steuben and each of its Subsidiaries
has made available to Community true and correct copies of the United States federal, state and local income Tax Returns and related
workpapers filed by it for each Taxable Period with respect to which the statute of limitations has not closed. No claim has ever
been made by a Taxing Authority in a jurisdiction where Steuben or any of its Subsidiaries does not file a Tax Return that Steuben
or any of its Subsidiaries may be subject to Taxes by that jurisdiction, and to the Knowledge of Steuben and each of its Subsidiaries,
no basis for such a claim exists.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as disclosed in Section 3.2(f) of the Steuben Disclosure Letter, neither Steuben nor any of its Subsidiaries has received any notice
of assessment or proposed assessment in connection with any Tax, and there is no threatened or pending dispute, action, suit, proceeding,
claim, investigation, audit, examination, or other Litigation regarding any Tax of Steuben, any of its Subsidiaries or the assets
of Steuben or any of its Subsidiaries. No officer or employee responsible for Tax matters of Steuben or any of its Subsidiaries
expects any Taxing Authority to assess any additional Tax for any period for which a Tax Return has been filed. There are no agreements,
waivers or other arrangements providing for an extension of time with respect to the assessment of any Tax or deficiency against
Steuben or any of its Subsidiaries, and neither Steuben nor any of its Subsidiaries has waived or extended the applicable statute
of limitations for the assessment or collection of any Tax or agreed to a Tax assessment or deficiency. The relevant statute of
limitations is closed with respect to the federal and material state and local income and franchise Tax Returns of Steuben and
its Subsidiaries for all Taxable Periods through December&nbsp;31, 2015.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries is a party to a Tax allocation, sharing, indemnification or similar agreement or any agreement
pursuant to which it has any obligation to any Person with respect to Taxes, and neither Steuben nor any of its Subsidiaries has
been a member of an affiliated group filing a consolidated federal, state or local income Tax Return or any combined, affiliated
or unitary group for any Tax purpose (other than the group of which it is currently a member), and neither Steuben nor any of its
Subsidiaries has any Tax liability under Treasury Regulation Section&nbsp;1.1502-6 or any similar provision of Law, or as a transferee
or successor, by Contract or otherwise. None of Steuben and its Subsidiaries have any deferred gain or loss arising out of any
deferred intercompany transaction, as described in Treasury Regulation Section&nbsp;1.1502-13, or, in the case of any of its Subsidiaries,
have an excess loss account in its stock, as described in Treasury Regulation Section&nbsp;1.1502-19.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
and its Subsidiaries have withheld and paid over to the appropriate Taxing Authority all amounts of Taxes required to have been
withheld and paid over by them, and have complied in all respects with all information reporting and backup withholding requirements
under all applicable federal, state, local and foreign Laws in connection with amounts paid or owing to any Person, including Taxes
required to have been withheld and paid in connection with amounts paid or owing to any employee or independent contractor, and
Taxes required to be withheld and paid pursuant to Sections&nbsp;1441, 1442 and 3406 of the Code or similar provisions under state,
local or foreign Law.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries has been a party to any distribution occurring during the five (5)-year period ending on the
date hereof in which the parties to such distribution treated the distribution as one to which Section&nbsp;355 of the Code applied.
No Liens for Taxes exist with respect to any assets of Steuben or any of its Subsidiaries, except for statutory Liens for Taxes
not yet due and payable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vi)&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries is, or has ever been, a &ldquo;controlled foreign corporation&rdquo; within the meaning of
the Section&nbsp;957(a) of the Code. Steuben and each of its Subsidiaries have complied with all of the income inclusion and Tax
reporting provisions of the U.S. anti-deferral Tax regimes, including the controlled foreign corporation, passive foreign investment
company and foreign personal holding company regimes.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vii)&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries is or has ever been a United States real property holding corporation within the meaning of
Section&nbsp;897(c) of the Code or any comparable provision of state Tax Law. Neither Steuben nor any of its Subsidiaries has been
or will be required to include any item in income or exclude any item of deduction from taxable income for any Tax period (or portion
thereof) ending after the Closing Date: (A)&nbsp;pursuant to Section&nbsp;481 of the Code or any comparable provision under state,
local or foreign Tax Law; (B)&nbsp;as a result of any &ldquo;closing agreement&rdquo; as described in Section&nbsp;7121 of the
Code or any comparable provision under state, local, or foreign Tax Law, executed on or prior to the Closing Date; (C)&nbsp;with
respect to any intercompany transaction or excess loss account described in Treasury Regulations under Section&nbsp;1502 of the
Code or any comparable provision under state, local, or foreign Tax Law; (D)&nbsp;with respect to any installment sale or open
transaction disposition made on or prior to the Closing Date; (E)&nbsp;with respect to any prepaid amount received on or prior
to the Closing Date; or (F) due to Section 965(a) of the Code (or any corresponding or similar provision of state, local or foreign
Tax Law). Neither Steuben nor any of its Subsidiaries has made any election under Section 965(h) of the Code (or any corresponding
or similar provision of state, local or foreign Tax Law).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(viii)&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries currently has any net operating losses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ix)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
and each of its Subsidiaries have disclosed on their Tax Returns any position taken for which substantial authority (within the
meaning of Section&nbsp;6662(d)(2)(B)(i) of the Code or comparable provision of state or local Tax Law) did not exist at the time
the Tax Return was filed. Neither Steuben nor any of its Subsidiaries has participated in any reportable transaction, as defined
in Treasury Regulation Section&nbsp;1.6011-4(b)(1) or any comparable provision of state or local Tax Law, or a transaction substantially
similar to a reportable transaction. Neither Steuben nor any of its Subsidiaries is a party to any joint venture, partnership,
or other arrangement or Contract which could be treated as a partnership for U.S. federal income tax purposes.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Environmental
Matters</U>. (i)&nbsp;&nbsp;Steuben has delivered, or caused to be delivered, to Community, or provided Community access to, true
and complete copies of all environmental site assessments, environmental test results, environmental analytical data, boring logs
and other environmental reports and studies held by Steuben and each of its Subsidiaries relating to their respective properties
and Facilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Except
as, individually or in the aggregate, has not had and would not reasonably be expected to have a Material Adverse Effect on Steuben,
Steuben and each of its Subsidiaries and their respective Facilities and properties are, and have been, in compliance with all
Environmental Laws, and there are no past or present events, conditions, circumstances, activities or plans related to the properties
or Facilities that did or would violate or prevent compliance or continued compliance with any of the Environmental Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Except
as, individually or in the aggregate, has not had and would not reasonably be expected to have a Material Adverse Effect on Steuben,
during the period of (A)&nbsp;Steuben&rsquo;s or any of its Subsidiaries&rsquo; ownership or operation (including but not limited
to ownership or operation, directly or indirectly, in a fiduciary capacity) of their respective properties and Facilities, or (B)&nbsp;Steuben&rsquo;s
or any of its Subsidiaries&rsquo; participation in the management (including but not limited to such participation, directly or
indirectly, in a fiduciary capacity) of their respective properties and Facilities, there have been no releases, discharges, spillages
or disposals of Hazardous Material on, under, adjacent to or affecting (or potentially affecting) such properties or Facilities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Compliance
with Permits, Laws and Orders</U>. (i)&nbsp;&nbsp;Steuben and each of its Subsidiaries have in effect all Permits and have made
all filings, applications and registrations with Governmental Authorities that are required for them to own, lease or operate their
respective properties and assets and to carry on their respective businesses as now conducted (and have paid all fees and assessments
due and payable in connection therewith) and there has occurred no Default under any Permit applicable to their respective businesses
or employees conducting their respective businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
and each of its Subsidiaries are, and at all times since December&nbsp;31, 2016 have been, in compliance in all material respects
with all Laws applicable to their businesses, operations, properties or assets, including the Federal Reserve Act, the Equal Credit
Opportunity Act, the Fair Housing Act, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the Uniting and Strengthening
America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism (USA PATRIOT) Act of 2001, the Bank Secrecy
Act, the Truth in Lending Act, the Fair Debt Collection Practices Act, the Electronic Fund Transfer Act, the Dodd-Frank Wall Street
Reform and Consumer Protection Act, the Fair Credit Reporting Act and all other applicable fair lending Laws and other Laws relating
to discriminatory business, financing, leasing, collection or other practices, and all agency requirements relating to the origination,
sale and servicing of mortgage loans and consumer loans.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iii)&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries has received any notification or communication from any Governmental Authority (A)&nbsp;asserting
that Steuben or any of its Subsidiaries is in Default under any of the Permits, Laws or Orders which such Governmental Authority
enforces, or (B)&nbsp;threatening or contemplating revocation or limitation of, or which would have the effect of revoking or
limiting, any Permits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iv)&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued by, or is a
party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment letter or
similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty by, or has
been since December&nbsp;31, 2016, a recipient of any supervisory letter from, or since December&nbsp;31, 2016, has adopted any
policies, procedures or board resolutions at the request or suggestion of, any Regulatory Authority or other Governmental Authority
that currently restricts in any material respect the conduct of its business or that in any material manner relates to its capital
adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business (each, whether or
not set forth in the Steuben Disclosure Letter, a &ldquo;<U>Steuben Regulatory Agreement</U>&rdquo;), nor has Steuben or any of
its Subsidiaries been advised in writing or, to the Knowledge of Steuben, orally, since December&nbsp;31, 2016, by any Regulatory
Authority or other Governmental Authority that it is considering issuing, initiating, ordering or requesting any such Steuben Regulatory
Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries (nor to Steuben&rsquo;s Knowledge any of their respective directors, executives, Representatives,
agents or employees) (A)&nbsp;has used or is using any corporate funds for any illegal contribution, gift, entertainment or other
unlawful expense relating to political activity, (B)&nbsp;has used or is using any corporate funds for any direct or indirect unlawful
payment to any foreign or domestic government official or employee from corporate funds, (C)&nbsp;has violated or is violating
any provision of the Foreign Corrupt Practices Act of 1977, as amended, or any other applicable anti-bribery or anti-corruption
Laws (collectively, the &ldquo;<U>Anti-Corruption Laws</U>&rdquo;) or (D)&nbsp;has made any bribe, unlawful rebate, payoff, influence
payment, kickback or other unlawful payment. Steuben and its Subsidiaries have established and maintain a system of internal controls
designed to provide reasonable assurances regarding compliance by Steuben and its Subsidiaries with all applicable Anti-Corruption
Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vi)&nbsp;&nbsp;&nbsp;&nbsp;Steuben
and its Subsidiaries are and since December&nbsp;31, 2014 have been conducting operations at all times in compliance in all material
respects with applicable financial recordkeeping and reporting requirements of all money laundering Laws administered or enforced
by any Governmental Authority in jurisdictions where Steuben and its Subsidiaries conduct business (collectively, the &ldquo;<U>Anti-Money
Laundering Laws</U>&rdquo;). Steuben and its Subsidiaries have established and maintain a system of internal controls designed
to ensure compliance by Steuben and its Subsidiaries with applicable financial recordkeeping and reporting requirements of the
Anti-Money Laundering Laws.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>


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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vii)&nbsp;&nbsp;&nbsp;Except
as required by the Bank Secrecy Act, to Steuben&rsquo;s Knowledge, no employee of Steuben or any of its Subsidiaries has provided
or is providing information to any law enforcement agency regarding the commission or possible commission of any crime or the violation
or possible violation of any applicable Law by Steuben or any of its Subsidiaries or any employee thereof acting in its capacity
as such. Neither Steuben nor any of its Subsidiaries nor any officer, employee, contractor, subcontractor or agent of Steuben or
any such Subsidiary has discharged, demoted, suspended, threatened, harassed or in any other manner discriminated against any employee
of Steuben or any of its Subsidiaries in the terms and conditions of employment because of any act of such employee described in
18 U.S.C. Section&nbsp;1514A(a).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(viii)&nbsp;&nbsp;Neither
Steuben nor any of its Subsidiaries nor to the Knowledge of Steuben, any director, officer, agent, employee or any other Person
acting on behalf of Steuben or any of its Subsidiaries, is currently the subject or the target of any sanctions administered or
enforced by any Governmental Authority (collectively, &ldquo;<U>Sanctions</U>&rdquo;), nor is Steuben or any of its Subsidiaries
located, organized or resident in a country or territory that is the subject or the target of Sanctions (each, a &ldquo;<U>Sanctioned
Country</U>&rdquo;). For the past five (5) years, Steuben and its Subsidiaries have not knowingly engaged in, are not now knowingly
engaged in and will not engage in, any dealings or transactions with any Person that at the time of the dealing or transaction
is or was the subject or the target of Sanctions or with any Sanctioned Country. Steuben and its Subsidiaries have established
and maintain a system of internal controls designed to provide reasonable assurances regarding compliance by Steuben and its Subsidiaries
with all applicable Sanctions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Labor
Matters</U>. (i)&nbsp;&nbsp;Neither Steuben nor any of its Subsidiaries is a party to or bound by or currently negotiating any
collective bargaining agreement or any other similar agreement with any labor organization, group or association. Since December&nbsp;31,
2016, neither Steuben nor any of its Subsidiaries has experienced any organizational campaign, petition or other unionization activity
relating to any Service Provider, including seeking to make Steuben or any of its Subsidiaries conform to demands of organized
labor or enter into any collective bargaining agreement or any other similar agreement with any labor organization, group or association.
There is no strike, work stoppage or labor disturbance pending or, to the Knowledge of Steuben, threatened against Steuben or any
of its Subsidiaries, and none of Steuben nor any of its Subsidiaries has experienced any such strike, stoppage or disturbance since
December&nbsp;31, 2016. The consent or consultation of, or the rendering of formal advice by, any labor or trade union, works council
or other employee representative body is not required for Steuben to enter into this Agreement or to consummate any of the transactions
contemplated hereby.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;There
is no unfair labor practice charge or other material Litigation regarding Service Providers against Steuben or any of its Subsidiaries
pending, or to the Knowledge of Steuben, threatened, before any court, arbitrator or Governmental Authority (including the National
Labor Relations Board). Neither Steuben nor any of its Subsidiaries has failed to comply with any collective bargaining agreement
or any other similar agreement with any labor organization, group or association and there are no grievances pending, or to the
Knowledge of Steuben, threatened, under any such agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 45pt">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Steuben
and its Subsidiaries are and have been since December&nbsp;31, 2016 in compliance in all material respects with, and to the Knowledge
of Steuben are not under investigation with respect to, applicable Laws with respect to employment and employee matters, including
employment practices, employee benefits, labor relations, terms and conditions of employment, Tax withholding, discrimination,
equal employment, fair employment practices, immigration, employee classification, human rights, pay equity, workers&rsquo; compensation,
employee safety and health, facility closings and layoffs (including the Worker Adjustment and Retraining Notification Act of
1988 (together with any other similar Laws, &ldquo;<U>WARN</U>&rdquo;)) and wages and hours. During the ninety (90) day period
prior to the date hereof, neither Steuben nor any of its Subsidiaries has effectuated or announced or has plans to effectuate
or announce (A)&nbsp;a &ldquo;plant closing,&rdquo; (B)&nbsp;a &ldquo;mass layoff&rdquo; or (C)&nbsp;any other transaction, layoff,
reduction in force or employment terminations sufficient in number to trigger application of WARN. No Service Providers provide
services to Steuben or any of its Subsidiaries outside of the United States.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 45pt">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>To
the Knowledge of Steuben, no Service Provider is in any material respect in violation of any term of any employment agreement,
nondisclosure agreement, common law nondisclosure obligation, fiduciary duty, noncompetition agreement, restrictive covenant or
other obligation relating to the (i)&nbsp;right of any such Service Provider to be employed by, or provide services to, Steuben
and its Subsidiaries or (ii)&nbsp;knowledge or use of trade secrets or proprietary information. Except as set forth in Section
3.2(i)(iv) of the Steuben Disclosure Letter, no Service Provider above the level of Vice President has given written notice or,
to the Knowledge of Steuben, other notice of his or her intention to terminate his or her employment.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Employee
Benefit Plans</U>. (i)&nbsp;&nbsp;Section&nbsp;3.2(j)(i) of the Steuben Disclosure Letter contains a correct and complete list
identifying each Steuben Benefit Plan. No Steuben Benefit Plan is operated outside of the United States. True and complete copies
of each Steuben Benefit Plan (and, if applicable, related trust or funding agreements or insurance policies) and all amendments
thereto or written interpretations thereof (including summary plan descriptions) have been furnished to Community together with
any related (A)&nbsp;determination letter received from the Internal Revenue Service (&ldquo;<U>IRS</U>&rdquo;), (B)&nbsp;material
communications to or from the IRS, the Pension Benefit Guaranty Corporation or any other Governmental Authority and (C)&nbsp;the
three (3) most recent annual reports on Form 5500, financial statements and actuarial reports. Neither Steuben nor any of its
Subsidiaries has committed to make any amendment to any Steuben Benefit Plan or to adopt or approve any new Benefit Plan.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Since December&nbsp;31, 2016, all Steuben Benefit Plans have been administered in all material respects in compliance with
their terms and with the applicable provisions of ERISA, the Code, the Patient Protection and Affordable Care Act (as amended)
and all other applicable Laws and no events have occurred with respect to any Steuben Benefit Plan that could reasonably result
in payment or assessment by or against Steuben or any of its Subsidiaries of any penalties, Taxes, or other claims for relief
under ERISA or the Code. There are no pending or, to the Knowledge of Steuben, threatened Litigation, governmental audits or investigations
or other proceedings or participant claims (other than claims for benefits in the ordinary course of business) with respect to
or against any Steuben Benefit Plan or its assets. No prohibited transaction (within the meaning of Section&nbsp;406 of ERISA
and Section&nbsp;4975 of the Code) or any breach of a fiduciary duty has occurred with respect to any Steuben Benefit Plan that
has caused or would reasonably be expected to cause Steuben or any of its Subsidiaries to incur any Liability under ERISA or the
Code. Each Steuben Benefit Plan that is a &ldquo;non-qualified deferred compensation plan&rdquo; (as defined for purposes of Section&nbsp;409A
of the Code) is in documentary compliance with, and has been operated and administered in compliance with, Section&nbsp;409A of
the Code and the applicable guidance issued thereunder. There is no Contract, plan or arrangement covering any Service Provider
that, individually or collectively, would entitle any Service Provider to any Tax gross-up or similar payment from Steuben or
any of its Subsidiaries in respect of any Taxes that may become payable under Section&nbsp;409A or Section&nbsp;4999 of the Code.
All contributions and amounts due and payable under any Steuben Benefit Plan have been timely paid and accrued on the Steuben
Financial Statements in accordance with GAAP.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Each Steuben Benefit Plan that is intended to be qualified under Section&nbsp;401(a) of the Code has received a favorable
determination letter, or has pending or has time remaining in which to file, an application for such determination from the IRS,
and, to the Knowledge of Steuben, there are no facts or circumstances that would reasonably be expected to cause any such determination
letter to be revoked or not be reissued. Each trust created under any such Steuben Benefit Plan is, and has been since its establishment,
exempt from Tax under Section&nbsp;501(a) of the Code and, to the Knowledge of Steuben, there are no facts or circumstances that
would reasonably be expected to result in the revocation of such exemption.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither Steuben nor any of its ERISA Affiliates has engaged in any transaction described in Section&nbsp;4069 of the Code
nor has incurred or reasonably expects to incur, any Liability arising in connection with the termination of a Title&nbsp;IV Plan.
Neither Steuben nor any of its ERISA Affiliates (nor any predecessor thereto) sponsors, maintains, administers or contributes
to or has any obligation to contribute to (or has ever sponsored, maintained, administered or contributed to or had any obligation
to contribute to), or has any Liability (contingent or otherwise) with respect to, any Benefit Plan that is subject to Title&nbsp;IV
of ERISA, Section&nbsp;412 of the Code or Section&nbsp;302 of ERISA, any &ldquo;multiemployer plan,&rdquo; as such term is defined
in Section&nbsp;3(37) of ERISA, a &ldquo;multiple employer plan,&rdquo; within the meaning of Section&nbsp;210 of ERISA or &ldquo;multiple
employer welfare arrangement,&rdquo; as such term is defined in Section&nbsp;3(40) of ERISA.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Except as disclosed in Section 3.2(j)(v) of the Steuben Disclosure Letter, neither Steuben nor any of its ERISA Affiliates
has any current or projected obligations or Liability for post-employment or post-retirement health, medical, or life insurance
benefits under any Steuben Benefit Plan, other than with respect to benefit coverage mandated by Section&nbsp;4980B of the Code
(and at the sole cost of the applicable Service Provider). There are no loans or other types of indebtedness outstanding between
Steuben and any of its Subsidiaries, as creditor, and any Service Provider, as debtor (or vice versa, other than outstanding obligations
with respect to employee compensation or payments or contributions under any Steuben Benefit Plan that are accrued but not yet
paid).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Except as disclosed in Section 3.2(j)(vi) of the Steuben Disclosure Letter, the consummation of the transactions contemplated
by this Agreement will not (either alone or together with any other event) (A)&nbsp;entitle any Service Provider to severance
pay, any other payment or forgiveness of indebtedness, (B)&nbsp;increase or enhance any benefits or accelerate the time of payment
or vesting or trigger any payment of funding (through a grantor trust or otherwise) of compensation or benefits under, increase
the amount payable or trigger any other obligation pursuant to, any Steuben Benefit Plan or any other agreement or arrangement
with any Service Provider, (C)&nbsp;result in any violation of, or default under, or limit the right of Steuben or its Subsidiaries,
or, after the Effective Time, Community or any of its Subsidiaries, to amend, modify or terminate any Steuben Benefit Plan or
(D)&nbsp;result in an amount paid or payable (whether in cash, property, in-kind benefits, the acceleration of vesting or payment
or otherwise) that is an &ldquo;excess parachute payment&rdquo; within the meaning of Section&nbsp;280G of the Code. Steuben has
made available to Community true, correct, and complete copies of its calculations, together with any assumptions applicable thereto,
evidencing that no such &ldquo;excess parachute payments&rdquo; will be paid or payable to any &ldquo;disqualified individual&rdquo;
(within the meaning of Section 280G(c) of the Code and the regulations promulgated thereunder) in connection with the consummation
of the transactions contemplated by this Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Material Contracts</U>. (i)&nbsp;&nbsp;Except as listed in Section&nbsp;3.2(k) of the Steuben Disclosure Letter, as
of the date of this Agreement, neither Steuben nor any of its Subsidiaries, nor any of their respective assets, businesses or
operations, is a party to, or is bound or affected by, or receives benefits under, (A)&nbsp;any Contract relating to the borrowing
of money by Steuben or any of its Subsidiaries or the guarantee by Steuben or any of its Subsidiaries of any such obligation (other
than Contracts evidencing deposit liabilities, purchases of federal funds, fully-secured repurchase agreements, Federal Home Loan
Bank advances of Steuben Bank or Contracts pertaining to trade payables incurred in the ordinary course of business consistent
with past practice), (B)&nbsp;any Contract containing covenants that limit the ability of Steuben or any of its Affiliates (including,
after the Effective Time, Community or any of its Affiliates) to engage in any line of business or to compete in any line of business
or with any Person, or that involve any restriction of the geographic area in which, or method by which, Steuben or any of its
Subsidiaries or Affiliates (including, after the Effective Time, Community or any of its Affiliates) may carry on its business,
(C)&nbsp;any Contract or series of related Contracts for the purchase of materials, supplies, goods, services, equipment or other
assets that (x)&nbsp;provides for or is reasonably likely to require annual payments by Steuben or any of its Subsidiaries of
$50,000 or more or (y)&nbsp;have a term exceeding twelve (12) months in duration (except those entered into in the ordinary course
of business consistent with past practice with respect to Loans, lines of credit, letters of credit, depositor agreements, certificates
of deposit and similar routine banking activities), (D)&nbsp;any Contract between or among Steuben or any of its Subsidiaries
or Affiliates, (E)&nbsp;any Contract involving Intellectual Property (excluding generally commercially available &ldquo;off the
shelf&rdquo; software programs licensed pursuant to &ldquo;shrink wrap&rdquo; or &ldquo;click and accept&rdquo; licenses), (F)&nbsp;any
Contract relating to the provision of data processing, network communications or other technical services to or by Steuben or
any of its Subsidiaries, (G)&nbsp;any Contract with respect to the formation, creation, operation, management or control of a
joint venture, partnership, limited liability company or other similar arrangement or agreement, (H)&nbsp;any Contract that provides
any rights to investors in Steuben, including registration, preemptive or anti-dilution rights or rights to designate members
of or observers to the Steuben Board of Directors, (I)&nbsp;any Contract that provides for potential material indemnification
payments by Steuben or any of its Subsidiaries, (J)&nbsp;any Contract or understanding with a labor union, in each case whether
written or oral, (K)&nbsp;any Contract that grants any right of first refusal, right first offer or similar right with respect
to any material assets, rights or properties of Steuben or its Subsidiaries, (L)&nbsp;any Contract which is a merger agreement,
asset purchase agreement, stock purchase agreement, deposit assumption agreement, loss sharing agreement or other commitment to
a Governmental Authority in connection with the acquisition of a depository institution, or similar agreement that has indemnification,
earn-out or other obligations that continue in effect after the date of this Agreement, or (M) any other Contract or amendment
thereto that would be required to be filed as an exhibit to any SEC report (as described in Items 601(b)(4) and 601(b)(10) of
Regulation S-K) if Steuben were required to file such with the SEC. With respect to each Contract described above: (w)&nbsp;the
Contract is valid and binding on Steuben or the applicable Subsidiary party thereto and, to the Knowledge of Steuben, each other
party thereto and is in full force and effect, enforceable in accordance with its terms (except in all cases as such enforceability
may be limited by (1)&nbsp;bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship and other Laws now
or hereafter in effect relating to or affecting the enforcement of creditors&rsquo; rights generally and (2)&nbsp;general equitable
principles and except that the availability of the equitable remedy of specific performance or injunctive relief is subject to
the discretion of the court before which any proceeding may be brought); (x)&nbsp;neither Steuben nor any of its Subsidiaries
is in Default thereunder; (y)&nbsp;neither Steuben nor any of its Subsidiaries has repudiated or waived any material provision
of any such Contract; and (z)&nbsp;no other party to any such Contract is, to the Knowledge of Steuben, in Default in any material
respect or has repudiated or waived any material provision of any such Contract. No Consent is required by any such Contract for
the execution, delivery or performance of this Agreement or the Bank Merger Agreement or the consummation of the Merger or the
Bank Merger or the other transactions contemplated hereby or thereby. Except as listed in Section&nbsp;3.2(k) of the Steuben Disclosure
Letter, all indebtedness for money borrowed of Steuben and its Subsidiaries is prepayable without penalty or premium.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 31.5pt; text-align: justify; text-indent: 40.5pt">(ii)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
interest rate swaps, caps, floors, collars, option agreements, futures, and forward contracts, and other similar risk management
arrangements, Contracts or agreements, whether entered into for Steuben&rsquo;s own account or for the account of one or more
of its Subsidiaries or their respective customers, were entered into (A)&nbsp;in the ordinary course of business consistent with
past practice and in accordance with prudent business practices and all applicable Laws and (B)&nbsp;with counterparties believed
to be financially responsible, and each of them is enforceable in accordance with its terms (except in all cases as such enforceability
may be limited by (1)&nbsp;bankruptcy, insolvency, reorganization, moratorium, receivership, conservatorship and other Laws now
or hereafter in effect relating to or affecting the enforcement of creditors&rsquo; rights generally and (2)&nbsp;general equitable
principles and except that the availability of the equitable remedy of specific performance or injunctive relief is subject to
the discretion of the court before which any proceeding may be brought), and is in full force and effect. Neither Steuben nor
any of its Subsidiaries, nor to the Knowledge of Steuben, any other party thereto, is in Default of any of its obligations under
any such agreement or arrangement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Legal Proceedings</U>. There is no material Litigation pending or, to the Knowledge of Steuben, threatened against or
involving Steuben or any of its Subsidiaries or its or any of its Subsidiaries&rsquo; assets, interests or rights, nor are there
any Orders of any Governmental Authority outstanding against Steuben or any of its Subsidiaries, nor do any facts or circumstances
exist that would be likely to form the basis for any material claim against Steuben or any of its Subsidiaries. There is no material
Litigation pending or, to the Knowledge of Steuben, threatened, against or involving any officer, director, advisory director
or employee of Steuben or its Subsidiaries, in each case by reason of any person being or having been an officer, director, advisory
director or employee of Steuben or its Subsidiaries.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Intellectual Property</U>. (i)&nbsp;&nbsp;Either Steuben or one of its Subsidiaries owns, or is licensed or otherwise
possesses legally enforceable rights to use, all Intellectual Property (including the Technology Systems) that is used by Steuben
or its Subsidiaries in its or its Subsidiaries&rsquo; business and that is material to such business. Neither Steuben nor any
of its Subsidiaries has (A)&nbsp;licensed to any Person in source code form any Intellectual Property owned by Steuben or any
of its Subsidiaries or (B)&nbsp;entered into any exclusive agreements relating to Intellectual Property owned by Steuben or its
Subsidiaries.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Section&nbsp;3.2(m)(ii) of the Steuben Disclosure Letter lists all patents and patent applications, all registered and
unregistered trademarks and applications therefor, trade names and service marks, registered copyrights and applications therefor,
domain names, web sites and mask works owned by or exclusively licensed to Steuben or its Subsidiaries included in its Intellectual
Property, including the jurisdictions in which each such Intellectual Property right has been issued or registered or in which
any application for such issuance and registration has been filed. Except as, individually or in the aggregate, has not had and
would not reasonably be expected to have a Material Adverse Effect on Steuben, no royalties or other continuing payment obligations
are due in respect of any third-party patents, trademarks or copyrights, including software.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>All patents, registered trademarks, service marks and copyrights held by Steuben and its Subsidiaries are valid and subsisting.
Since December&nbsp;31, 2016, neither Steuben nor any of its Subsidiaries (A)&nbsp;has been sued in any Litigation which involves
a claim of infringement of any patents, trademarks, service marks, copyrights or violation of any trade secret or other proprietary
right of any third party or (B)&nbsp;has brought any Litigation for infringement of its Intellectual Property or breach of any
license or other Contract involving its Intellectual Property against any third party.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Loan and Investment Portfolios</U>. (i)&nbsp;&nbsp;All loans, loan agreements, notes or borrowing arrangements (including
leases, lines of credit, extensions of credit, credit enhancements, commitments, guarantees, loan participations, promissory notes,
loan commitments and interest-bearing assets) (collectively, &ldquo;<U>Loans</U>&rdquo;) in which Steuben or any of its Subsidiaries
is the creditor (A)&nbsp;were at the time and under the circumstances in which made, made for good, valuable and adequate consideration
in the ordinary course of business of Steuben and its Subsidiaries and are the legal, valid and binding obligations of the obligors
thereof, enforceable in accordance with their terms (except in all cases as such enforceability may be limited by (1) bankruptcy,
insolvency, reorganization, moratorium, receivership, conservatorship and other Laws now or hereafter in effect relating to or
affecting the enforcement of creditors&rsquo; rights generally and (2) general equitable principles), (B)&nbsp;are evidenced by
notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (C)&nbsp;to the extent
secured, have been secured by valid Liens that have been perfected and (D)&nbsp;are not the subject of any written notice from
an obligor asserting any defense, set-off or counterclaim with respect thereto that, if valid, would materially and adversely
affect the value of the related Loan.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>True and complete lists of all Loans as of September 30, 2019, and of the investment portfolios of Steuben and each of
its Subsidiaries as of such date, are disclosed in Section&nbsp;3.2(n)(ii) of the Steuben Disclosure Letter. Except as specifically
set forth in Section&nbsp;3.2(n)(ii) of the Steuben Disclosure Letter, neither Steuben nor any of its Subsidiaries is a party
to any Loan that, as of the most recent month-end prior to the date of this Agreement, (A)&nbsp;was delinquent by more than thirty
(30) days in the payment of principal and/or interest, (B)&nbsp;to the Knowledge of Steuben, was otherwise in material default
for more than thirty (30) days, (C)&nbsp;was on non-accrual status or classified as &ldquo;substandard,&rdquo; &ldquo;doubtful,&rdquo;
 &ldquo;loss,&rdquo; &ldquo;other assets specially mentioned,&rdquo; &ldquo;special mention,&rdquo; &ldquo;criticized,&rdquo; &ldquo;classified,&rdquo;
 &ldquo;watch list&rdquo; or any comparable classification by Steuben or any of its Subsidiaries or any Regulatory Authority having
jurisdiction over Steuben or any of its Subsidiaries, (D)&nbsp;was an obligation of any director, executive officer or five percent
(5%) shareholder of Steuben or any of its Subsidiaries who is subject to Regulation&nbsp;O of the Federal Reserve Board (12 C.F.R.
Part&nbsp;215), or any Person controlling, controlled by or under common control with any of the foregoing, (E)&nbsp;was in violation
of any Law, (F)&nbsp;has had its respective terms to maturity accelerated or with respect to which Steuben or any Subsidiary of
Steuben has notified the borrower of its intention to accelerate the Loan or declare a default, (G)&nbsp;has been terminated or
amended by Steuben or any Subsidiary of Steuben during the past twelve (12) months by reason of a default or adverse developments
in the condition of the borrower or other events or circumstances affecting the credit of the borrower (except for modifications
and amendments contained in the loan file, true and complete copies of which have been made available to Community), (H)&nbsp;has
a borrower, customer or other party to such Loan which has notified Steuben or any Subsidiary of Steuben during the past twelve
(12) months of, or has asserted against Steuben, in writing, or to the Knowledge of Steuben, orally, any &ldquo;lender liability&rdquo;
or similar claim that, if valid, would materially and adversely affect the value of the Loan, (I)&nbsp;has, during the past two
(2) years, had its interest rate terms reduced and/or the maturity dates extended subsequent to the agreement under which the
Loan was originally created due to concerns regarding the borrower&rsquo;s ability to pay in accordance with such initial terms
(except for reductions, extensions, modifications and amendments contained in the loan file, true and complete copies of which
have been made available to Community), (J)&nbsp;in connection therewith, has a specific reserve allocation, or (K)&nbsp;was classified
by Steuben as &ldquo;other real estate owned,&rdquo; including all other assets currently held that were acquired through foreclosure
or in lieu of foreclosure (such Loans described in clauses&nbsp;(A) through (K), &ldquo;<U>Delinquent Loans</U>&rdquo;).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Each outstanding Loan (including Loans held for resale to investors) in which Steuben or any of its Subsidiaries is the
creditor was solicited and originated, and is and has been administered and, where applicable, serviced, and the relevant loan
or other similar files are being maintained, in all material respects, in accordance with the relevant notes or other credit or
security documents, the written underwriting standards of Steuben and its Subsidiaries (and, in the case of Loans held for resale
to investors, the underwriting standards, if any, of the applicable investors) and with all applicable federal, state and local
Laws.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>None of the agreements pursuant to which Steuben or any of its Subsidiaries has
sold Loans or pools of Loans or participations in Loans or pools of Loans contains any obligation to repurchase such Loans or
interests therein solely on account of a payment default by the obligor on any such Loan, and neither Steuben nor any of its
Subsidiaries has received written notice of any pending claim for it to repurchase Loans or interests therein.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither Steuben nor any of its Subsidiaries is now nor has it ever been since December&nbsp;31, 2016, subject to any material
fine, suspension, settlement or other Contract or other administrative agreement or sanction by, or any reduction in any loan
purchase commitment from, any Governmental Authority or Regulatory Authority relating to the origination, sale or servicing of
mortgage or consumer Loans.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Adequacy of Allowances for Losses</U>. Each of the allowances for losses on Loans and other real estate included on
the balance sheet as of June&nbsp;30, 2019 included in the Steuben Financial Statements is adequate in accordance with applicable
regulatory guidelines and GAAP in all material respects, and, to the Knowledge of Steuben, there are no facts or circumstances
that are likely to require in accordance with applicable regulatory guidelines or GAAP a future material increase in any such
provisions for losses or a material decrease in any of the allowances therefor (specifically excluding changes in accounting or
regulatory standards that may impact the allowance, including but not limited to CECL requirements). Each of the allowances for
losses on Loans and other real estate reflected on the books of Steuben and its Subsidiaries at all times from and after the date
of the balance sheet as of June&nbsp;30, 2019 included in the Steuben Financial Statements is adequate in accordance with applicable
regulatory guidelines and GAAP in all material respects, and, to the Knowledge of Steuben, there are no facts or circumstances
(specifically excluding changes in accounting or regulatory standards that may impact the allowance, including but not limited
to CECL requirements) that are likely to require, in accordance with applicable regulatory guidelines or GAAP, a future material
increase in any of such provisions for losses or a material decrease in any of the allowances therefor.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Community Reinvestment Act</U>. Steuben Bank is in compliance in all material respects with the provisions of the Community
Reinvestment Act of 1977 (&ldquo;<U>CRA</U>&rdquo;) and the rules and regulations thereunder, has received a CRA rating of not
less than &ldquo;satisfactory&rdquo; in its most recently completed exam, has received no material criticism from regulators with
respect to discriminatory lending practices, and to the Knowledge of Steuben, there are no conditions, facts or circumstances
that could result in a CRA rating of less than &ldquo;satisfactory&rdquo; or material criticism from regulators or consumers with
respect to discriminatory lending practices.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Privacy of Customer Information</U>. (i)&nbsp;&nbsp;Steuben and its Subsidiaries, as applicable, are the sole owners
of all personally identifiable financial information (&ldquo;<U>PIFI</U>&rdquo;) relating to customers, former customers and prospective
customers that will be transferred to Community or a Subsidiary of Community pursuant to this Agreement and the Bank Merger Agreement
and the other transactions contemplated hereby. For purposes of this <U>Section&nbsp;3.2(q)</U>, &ldquo;<U>PIFI</U>&rdquo; means
any information relating to an identified or identifiable natural person, including, but not limited to &ldquo;personally identifiable
financial information&rdquo; as that term is defined in 12&nbsp;C.F.R. Part&nbsp;1016.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Steuben and its Subsidiaries&rsquo; collection and use of such PIFI, the transfer of such PIFI to Community or any of its
Subsidiaries, and, assuming compliance by Community of all applicable state, federal and foreign privacy laws, the use of such
PIFI by Community or any of its Subsidiaries complies or will comply (as the case may be) in all material respects with all applicable
privacy policies, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act and all other applicable state, federal and foreign
privacy Laws, and any contract or industry standard relating to privacy.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(r)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Technology Systems</U>. (i)&nbsp;&nbsp;Except as set forth in Section 3.2(r) of the Steuben Disclosure Letter, to the
Knowledge of Steuben, no action will be necessary as a result of the transactions contemplated by this Agreement to enable use
of the Technology Systems to continue by the Surviving Corporation and its Subsidiaries to the same extent and in the same manner
that it has been used by Steuben and its Subsidiaries prior to the Effective Time.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The Technology Systems (for a period of eighteen (18) months prior to the Effective Time) have not suffered unplanned disruption
causing a Material Adverse Effect on Steuben. Except for ongoing payments due under Contracts with third parties, the Technology
Systems are free from any Liens (other than Permitted Liens). Access to business-critical parts of the Technology Systems is not
shared with any third party.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Steuben has furnished to Community a true and correct copy of Steuben&rsquo;s disaster recovery and business continuity
arrangements.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither Steuben nor any of its Subsidiaries has received notice of or is aware of any material circumstances, including
the execution of this Agreement or the Bank Merger Agreement or the consummation of the transactions contemplated hereby or thereby,
that would enable any third party to terminate any of Steuben&rsquo;s or any of its Subsidiaries&rsquo; agreements or arrangements
relating to the Technology Systems (including maintenance and support).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(s)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Insurance Policies</U>. Steuben and each of its Subsidiaries maintains in full force and effect insurance policies and
bonds in such amounts and against such liabilities and hazards of the types and amounts as (i)&nbsp;it reasonably believes to
be adequate for its business and operations and the value of its properties and (ii)&nbsp;are comparable to those maintained by
other banking organizations of similar size and complexity. Section&nbsp;3.2(s) of the Steuben Disclosure Letter sets forth a
true and complete list of all such insurance policies. Neither Steuben nor any of its Subsidiaries is now liable for, nor has
any such member received notice of, any material retroactive premium adjustment. Steuben and its Subsidiaries are in compliance
in all material respects with their insurance policies and are not in Default under any of the terms thereof, each such policy
is in full force and effect, none of Steuben or any of its Subsidiaries has received any notice of a material premium increase
or involuntary cancellation with respect to any of its insurance policies or bonds and, except for policies insuring against potential
liabilities of officers, directors and employees of Steuben and its Subsidiaries, Steuben or one of its Subsidiaries is the sole
beneficiary of any such policy, and all premiums and other payments due under any such policy have been paid, and all claims thereunder
have been filed in due and timely fashion. Within the last three (3) years, none of Steuben or any of its Subsidiaries has been
refused any basic insurance coverage sought or applied for (other than certain exclusions for coverage of certain events or circumstances
as stated in such policies), and Steuben has no reason to believe that its existing insurance coverage cannot be renewed as and
when the same shall expire, upon terms and conditions standard in the market at the time renewal is sought as favorable as those
presently in effect.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(t)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Corporate Documents</U>. Steuben has delivered to Community, with respect to Steuben and each of its Subsidiaries, true
and correct copies of its Organizational Documents, and the charters of each of the committees of its Board of Directors, all
as amended and currently in effect. All of the foregoing are current, complete and correct in all material respects.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(u)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>State
Takeover Laws</U>. Steuben has taken all action required to be taken by it in order to exempt this Agreement and the transactions
contemplated hereby from, and this Agreement and the transactions contemplated hereby are exempt from, the requirements of any
 &ldquo;moratorium,&rdquo; &ldquo;control share,&rdquo; &ldquo;fair price,&rdquo; &ldquo;affiliate transaction,&rdquo; &ldquo;anti-greenmail,&rdquo;
 &ldquo;business combination&rdquo; or other anti-takeover Law of any jurisdiction (collectively, &ldquo;<U>Takeover Laws</U>&rdquo;).
Steuben has taken all action required to be taken by it in order to make this Agreement and the transactions contemplated hereby
comply with, and this Agreement and the transactions contemplated hereby do comply with, the requirements of any provisions of
its Organizational Documents concerning &ldquo;business combination,&rdquo; &ldquo;fair price,&rdquo; &ldquo;voting requirement,&rdquo;
 &ldquo;constituency requirement&rdquo; or other related provisions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Certain
Actions</U>. Neither Steuben nor any of its Subsidiaries or Affiliates has taken or agreed to take any action, and to the Knowledge
of Steuben, there are no facts or circumstances that are reasonably likely to (i)&nbsp;prevent the Merger from qualifying as a
 &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a) of the Code, or (ii)&nbsp;materially impede or delay receipt
of any Requisite Regulatory Approval. To the Knowledge of Steuben, there exists no fact, circumstance, or reason that would cause
any Requisite Regulatory Approval not to be received in a timely manner.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(w)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Real
Property</U>. Except as would not reasonably be expected, either individually or in the aggregate, to have a Material Adverse
Effect on Steuben, (a)&nbsp;Steuben or a Subsidiary of Steuben has good and marketable title to all the real property reflected
in the latest audited balance sheet included in the Steuben Financial Statements as being owned by Steuben or a Subsidiary of
Steuben or acquired after the date thereof (except properties sold or otherwise disposed of since the date thereof in the ordinary
course of business consistent with past practice) (the &ldquo;<U>Steuben Owned Properties</U>&rdquo;), free and clear of all Liens,
except (i)&nbsp;Liens for current Taxes and assessments not yet past due or the amount or validity of which is being contested
in good faith by appropriate proceedings, (ii)&nbsp;Liens for real property Taxes not yet due and payable, (iii)&nbsp;easements,
rights of way, and other similar encumbrances, (iv)&nbsp;mechanics&rsquo;, workmen&rsquo;s, repairmen&rsquo;s, warehousemen&rsquo;s
and carrier&rsquo;s Liens arising in the ordinary course of business of Steuben consistent with past practice, (v)&nbsp;restrictions
on transfers under applicable Securities Laws, or (vi)&nbsp;such imperfections or irregularities of title or Liens as do not materially
affect the value or use of the properties or assets subject thereto or affected thereby or otherwise materially impair business
operations at such properties (clauses&nbsp;(i) through (vi), collectively, &ldquo;<U>Permitted Liens</U>&rdquo;), and (b)&nbsp;is
the lessee of all leasehold estates reflected in the latest audited financial statements included in such Steuben Financial Statements
or acquired after the date thereof (except for leases that have expired by their terms since the date thereof) (collectively with
the Steuben Owned Properties, the &ldquo;<U>Steuben Real Property</U>&rdquo;), free and clear of all Liens of any nature whatsoever,
except for Permitted Liens, and is in possession of the properties purported to be leased thereunder, and each such lease is valid
without Default thereunder by the lessee or, to the Knowledge of Steuben, the lessor, and has the right under such valid and existing
leases to occupy or use all of such Steuben Real Property as presently occupied and used by Steuben. There are no pending or,
to the Knowledge of Steuben, threatened condemnation proceedings against the Steuben Real Property. Steuben has previously made
available to Community a true and complete list of all Steuben Real Property as of the date of this Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(x)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Administration
of Trust Accounts</U>. Steuben and each of its Subsidiaries have properly administered all common trust funds and collective investment
funds and all accounts for which each of them acts as a fiduciary or agent, including but not limited to accounts for which it
serves as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance in
all material respects with the terms of the governing documents and applicable Law. Neither Steuben nor any of its Subsidiaries,
nor any of their respective directors, officers or employees acting on behalf of Steuben or any of its Subsidiaries, has committed
any breach of trust with respect to any such common trust fund or collective investment fund or fiduciary or agency account, and
the accountings for each such common trust fund or collective investment fund or fiduciary or agency account are true and correct
in all material respects and accurately reflect the assets of such common trust fund or collective investment fund or fiduciary
or agency account.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(y)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Brokers
and Finders</U>. Except for PNC FIG Advisory, Inc., neither Steuben nor any of its Subsidiaries, nor any of their respective directors,
officers, employees or Representatives, has employed any broker or finder or incurred any Liability for any financial advisory
fees, investment bankers&rsquo; fees, brokerage fees, commissions or finders&rsquo; fees in connection with this Agreement or
the transactions contemplated hereby. A true and complete copy of the engagement letter between Steuben and PNC FIG Advisory,
Inc. has been delivered to Community.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(z)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Fairness
Opinion</U>. Prior to the execution of this Agreement, the Board of Directors of Steuben has received the opinion (which, if initially
rendered verabally, will be confirmed in a written opinion, dated the same date) of PNC FIG Advisory, Inc. to the effect that
as of the date thereof and based upon and subject to the matters set forth therein, the Merger Consideration is fair, from a financial
point of view, to the holders of Steuben Common Shares and a signed copy of the written opinion will be delivered to Community
solely for informational purposes after receipt thereof by Steuben. Such opinion has not been amended or rescinded as of the date
of this Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(aa)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Transactions
with Insiders and Affiliates</U>. Except as set forth in Section 3.2(aa) of the Steuben Disclosure Letter, there are no agreements,
Contracts, plans, arrangements or other transactions, nor are there any currently proposed transaction or series of related transactions,
between Steuben or any of its Subsidiaries, on the one hand, and any (1)&nbsp;officer or director of Steuben or any of its Subsidiaries,
(2)&nbsp;record or beneficial owner of five percent (5%) or more of the voting securities of Steuben or (3)&nbsp;related interest
or family member of any such officer, director or record or beneficial owner, in any case other than bank customer relationships,
employment and related agreements, employee benefit plans and bank-owned life insurance policies.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(bb)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<U>Certain
Information</U>. When the Registration Statement or any post-effective amendment thereto shall become effective, and at all times
subsequent to such effectiveness up to and including the time of the Steuben Shareholder Meeting to vote upon the adoption of
this Agreement, such Registration Statement and all amendments or supplements thereto, with respect to all information set forth
or incorporated by reference therein furnished by Steuben relating to Steuben or any of its Subsidiaries, (i)&nbsp;shall comply
in all material respects with the applicable provisions of the Securities Laws, and (ii)&nbsp;shall not contain any untrue statement
of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements contained
therein, in the light of the circumstances under which they were made, not misleading. All information concerning Steuben and
its directors, officers, and shareholders included (or submitted for inclusion) in any application and furnished by it pursuant
to <U>Section&nbsp;4.5</U> or <U>4.8</U> of this Agreement shall be true, correct and complete in all material respects.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(cc)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Investment
Securities</U>. (i)&nbsp;&nbsp;Except for pledges to secure public and trust deposits, Federal Home Loan Bank of New York borrowings,
repurchase agreements and reverse repurchase agreements entered into in arms&rsquo;-length transactions pursuant to normal commercial
terms and conditions and other pledges required by Law, none of the investments reflected in the Steuben Financial Statements,
and none of the material investments made by Steuben or any of its Subsidiaries since June&nbsp;30, 2019, is subject to any restriction
(contractual, statutory or otherwise) that would materially impair the ability of the entity holding such investment freely to
dispose of such investment at any time.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Each of Steuben and its Subsidiaries has good title in all material respects to all securities and commodities owned by
it (except those sold under repurchase agreements), free and clear of any Lien, except as set forth in the financial statements
included in the Steuben Reports or to the extent such securities or commodities are pledged in the ordinary course of business
consistent with past practice to secure obligations of Steuben or its Subsidiaries. Such securities and commodities are valued
on the books of Steuben in accordance with GAAP in all material respects.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Steuben and its Subsidiaries and their respective businesses employ investment, securities, commodities, risk management
and other policies, practices and procedures that Steuben believes are prudent and reasonable in the context of such businesses
and Steuben and its Subsidiaries have, since December&nbsp;31, 2016, been in compliance in all material respects with such policies,
practices and procedures. Prior to the date of this Agreement, Steuben has made available to Community the material terms of such
policies, practices and procedures.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(dd)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Ownership
of Community Common Stock</U>. Neither Steuben, any Subsidiary of Steuben nor, to the Knowledge of Steuben, any director or officer
of Steuben or of any Subsidiary of Steuben, beneficially owns or, within the past two (2) years has beneficially owned, in the
aggregate three percent (3%) or more of the outstanding shares of Community Common Stock.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;3.3<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT STYLE="font-family: Times New Roman, Times, Serif"><U>Representations
and Warranties of Community</U></FONT>. Subject to and giving effect to <U>Section&nbsp;3.1</U> and except as (i)&nbsp;set forth
in the Community Disclosure Letter or (ii)&nbsp;disclosed in any of Community&rsquo;s SEC Reports filed with or furnished to the
SEC on or after December&nbsp;31, 2018 and prior to the date of this Agreement (but excluding any risk factor disclosures contained
under the heading &ldquo;Risk Factors&rdquo;, any disclosure of risks included in any &ldquo;forward-looking statements&rdquo;
disclaimer or any other statements that are similarly forward-looking in nature), Community hereby represents and warrants to
Steuben as follows:</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Organization, Standing, and Power</U>. Community and each of its Subsidiaries (i)&nbsp;are duly organized, validly existing
and in good standing under the Laws of the jurisdiction of their respective organization, (ii)&nbsp;have the requisite corporate
power and authority to own, lease and operate their properties and assets and to carry on their businesses as now conducted, and
(iii)&nbsp;are duly qualified or licensed to do business and in good standing in the States of the United States and foreign jurisdictions
where the character of their assets or the nature or conduct of their business requires them to be so qualified or licensed, except
in the case of this clause&nbsp;(iii), where the failure to be so qualified or licensed, individually or in the aggregate, has
not had and would not reasonably be expected to have a Material Adverse Effect on Community. Community is registered with the
Federal Reserve Board as a bank holding company within the meaning of the BHC Act and has elected to be, and qualifies as, a financial
holding company under the BHC Act. Community Bank is a national banking association with its main office located in the State
of New York. Community Bank is an &ldquo;insured depository institution&rdquo; as defined in the Federal Deposit Insurance Act
of 1950 and applicable regulations thereunder, its deposits are insured by the FDIC through the Deposit Insurance Fund to the
fullest extent permitted by Law, and all insurance premiums and assessments required to be paid in connection therewith have been
paid when due. No action for the revocation or termination of such deposit insurance is pending or, to the Knowledge of Community,
threatened.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Authority;
No Breach of Agreement</U>. (i)&nbsp;&nbsp;Community has the corporate power and authority necessary to execute, deliver and perform
its obligations under this Agreement and to consummate the transactions contemplated hereby. Assuming the accuracy of the representations
and warranties set forth in <U>Section&nbsp;3.2(dd)</U>, the execution, delivery and performance of this Agreement, and the consummation
of the transactions contemplated hereby have been duly and validly authorized by all necessary corporate action (including valid
authorization and adoption of this Agreement by Community&rsquo;s duly constituted Board of Directors). Assuming due authorization,
execution and delivery of this Agreement by Steuben, this Agreement represents a legal, valid and binding obligation of Community,
enforceable against Community in accordance with its terms (except in all cases as such enforceability may be limited by (A)&nbsp;bankruptcy,
insolvency, reorganization, moratorium, receivership, conservatorship and other Laws now or hereafter in effect relating to or
affecting the enforcement of creditors&rsquo; rights generally and (B)&nbsp;general equitable principles, except that the availability
of the equitable remedy of specific performance or injunctive relief is subject to the discretion of the court before which any
proceeding may be brought).</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Community&rsquo;s
Board of Directors has duly approved and declared advisable this Agreement and the Merger and the other transactions contemplated
hereby, including the Bank Merger Agreement and the Bank Merger. Community Bank&rsquo;s Board of Directors has duly approved and
declared advisable the Bank Merger Agreement, the Bank Merger and the other transactions contemplated hereby and thereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither the execution and delivery of this Agreement or the Bank Merger Agreement by Community or Community Bank, as applicable,
nor the consummation by either of them of the transactions contemplated hereby, nor compliance by them with any of the provisions
hereof, will (A)&nbsp;violate, conflict with or result in a breach of any provision of the Organizational Documents of Community
or Community Bank, (B)&nbsp;violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute
a default (or an event which, with notice or lapse of time, or both, would constitute a default) under, result in the termination
of or a right of termination or cancellation under, accelerate the performance required by, or result in the creation of any Lien
(other than Permitted Liens) upon any of the respective properties or assets of Community or any of its Subsidiaries under, any
of the terms, conditions or provisions of any note, bond, mortgage, indenture, deed of trust, license, lease, Contract, Permit
or other instrument or obligation to which Community or any of its Subsidiaries is a party, or by which they or any of their respective
properties or assets may be bound, or (C)&nbsp;subject to receipt of the Requisite Regulatory Approvals and the expiration of
any waiting period required by Law as described in clause&nbsp;(iv)&nbsp;below, violate any Law or Order applicable to Community
or Community Bank or any of their respective material assets, except, in the case of clauses&nbsp;(B) and (C), as individually
or in the aggregate, has not had and would not reasonably be expected to have a material adverse effect on the ability of Community
to perform its obligations under this Agreement or to timely consummate the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Other
than in connection or compliance with the provisions of the Securities Laws, and other than (A)&nbsp;the filing of applications,
filings and notices, as applicable, with the Federal Reserve Board under the BHC Act and approval of such applications, filings
and notices, (B)&nbsp;the filing of applications, filings and notices, as applicable, with the OCC in connection with the Bank
Merger, including under the Bank Merger Act, and approval of such applications, filings and notices, (C)&nbsp;the filing of any
required applications, filings or notices with any state banking authorities listed on Section&nbsp;3.3(b)(iv)(C) of the Community
Disclosure Letter or Section&nbsp;3.2(b)(vi) of the Steuben Disclosure Letter and approval of such applications, filings or notices,
(D)&nbsp;the filing of the Certificates of Merger with the New York Secretary pursuant to the NYBCL and the Delaware Secretary
pursuant to the DGCL and (E)&nbsp;as otherwise set forth in Section&nbsp;3.3(b)(iv)(E) of the Community Disclosure Letter, no
Order of, or Consent of, to or with any Governmental Authority or other third party is necessary in connection with the execution,
delivery or performance of this Agreement or the Bank Merger Agreement by Community or Community Bank, as applicable, or the consummation
by Community or Community Bank, as applicable, of the Merger, the Bank Merger and the other transactions contemplated by this
Agreement and the Bank Merger Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Capital Stock</U>. Community&rsquo;s authorized capital stock consists of (i)&nbsp;75,000,000 shares of Community Common
Stock, of which, as of Capitalization Date, 51,674,767 shares were issued and outstanding (which includes 197,271 shares of Community
Common Stock subject to vesting or forfeiture restrictions and granted under a Benefit Plan of Community or its Subsidiaries)
with 184,088 shares held in its treasury and (ii)&nbsp;500,000 shares of preferred stock, $1.00 par value per share (the &ldquo;<U>Community
Preferred Stock</U>&rdquo;), of which, as of the Capitalization Date, zero shares were issued and outstanding. Except as set forth
in this <U>Section&nbsp;3.3(c)</U> or granted under a Benefit Plan, as of the Capitalization Date there were no shares of Community
Common Stock or other equity securities of Community outstanding and no outstanding Rights relating to Community Common Stock
or Community Preferred Stock, and no Person has any Contract or any right or privilege (whether preemptive or contractual) capable
of becoming a Contract or Right for the purchase, subscription or issuance of any securities of Community. All of the outstanding
shares of Community Common Stock are duly and validly issued and outstanding and are fully paid (or will be fully paid when vested)
and, except as expressly provided otherwise under applicable Law, non-assessable under the DGCL. None of the outstanding shares
of Community Common Stock have been issued in violation of any preemptive rights of the current or past stockholders of Community.
All of the outstanding shares of Community Common Stock and all Rights to acquire shares of Community Common Stock have been issued
in compliance in all material respects with all applicable federal and state Securities Laws. All issued and outstanding shares
of capital stock of Community&rsquo;s Subsidiaries have been duly authorized and are validly issued, fully paid and (except as
provided in 12 U.S.C. Section&nbsp;55) nonassessable. The outstanding capital stock of each of Community&rsquo;s Subsidiaries
has been issued in compliance with all legal requirements and is not subject to any preemptive or similar rights. Community owns
all of the issued and outstanding shares of capital stock or other ownership interests of all of its material Subsidiaries, free
and clear of all Liens (other than Permitted Liens).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Reports; Financial Statements</U>. (i)&nbsp;&nbsp;Community and each of its Subsidiaries have timely filed (or furnished,
as applicable) all reports, registrations and statements, together with any amendments required to be made with respect thereto,
that they were required to file since December&nbsp;31, 2016 with any Governmental Authorities (including any Regulatory Authorities),
including any report, registration or statement required to be filed (or furnished, as applicable) pursuant to the Laws of the
United States, any state or political subdivisions, any foreign entity or jurisdiction, or any other Governmental Authority or
Regulatory Authority, and have paid all fees and assessments due and payable in connection therewith, except where the failure
to file such report, registration or statement or to pay such fees and assessments, either individually or in the aggregate, would
not reasonably be expected to have a Material Adverse Effect on Community. Except for normal examinations conducted by a Regulatory
Authority in the ordinary course of business of Community and its Subsidiaries, (A)&nbsp;no Regulatory Authority has initiated
or has pending any proceeding or, to the Knowledge of Community, investigation into the business or operations of Community or
any of its Subsidiaries since December&nbsp;31, 2016, (B)&nbsp;there is no unresolved violation, criticism, or exception by any
Regulatory Authority with respect to any report or statement relating to any examinations or inspections of Community or any of
its Subsidiaries, and (C)&nbsp;there has been no formal or informal inquiries by, or disagreements or disputes with, any Regulatory
Authority with respect to the business, operations, policies or procedures of Community or any of its Subsidiaries since December
31, 2016, in each case of clauses&nbsp;(A) through (C), which would reasonably be expected to have, either individually or in
the aggregate, a Material Adverse Effect on Community.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>An accurate copy of each final SEC Report filed with or furnished by Community or any of its Subsidiaries to the SEC since
December&nbsp;31, 2016 pursuant to the Securities Act or the Exchange Act (the &ldquo;<U>Community Reports</U>&rdquo;) is publicly
available. No Community Report, as of the date thereof (and, in the case of registration statements and proxy statements, on the
dates of effectiveness and the dates of the relevant meetings, respectively), contained any untrue statement of a material fact
or omitted to state any material fact required to be stated therein or necessary in order to make the statements therein, in light
of the circumstances in which they were made, not misleading, except that information filed or furnished as of a later date (but
before the date of this Agreement) shall be deemed to modify information as of an earlier date. As of their respective dates,
all of the Community Reports complied in all material respects with the published rules and regulations of the SEC with respect
thereto. As of the date of this Agreement, no executive officer of Community has failed in any respect to make the certifications
required of him or her under Section&nbsp;302 or 906 of the Sarbanes-Oxley Act.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The financial statements of Community and its Subsidiaries included (or incorporated by reference) in the Community Reports
(including the related notes, where applicable) (A)&nbsp;have been prepared from, and are in accordance with, the books and records
of Community and its Subsidiaries, (B)&nbsp;fairly present in all material respects the consolidated results of operations, cash
flows, changes in stockholders&rsquo; equity and consolidated financial position of Community and its Subsidiaries for the respective
fiscal periods or as of the respective dates therein set forth (subject in the case of unaudited statements to year-end audit
adjustments normal in nature and amount), (C)&nbsp;complied, as of their respective dates of filing with the SEC, in all material
respects with applicable accounting requirements and with the published rules and regulations of the SEC with respect thereto
and (D)&nbsp;have been prepared in accordance with GAAP consistently applied during the periods involved, except, in each case,
as indicated in such statements or in the notes thereto. The books and records of Community and its Subsidiaries have been, and
are being, maintained in all material respects in accordance with GAAP and any other applicable legal and accounting requirements
and reflect only actual transactions. PricewaterhouseCoopers LLP has not resigned (or informed Community that it intends to resign)
or been dismissed as independent public accountants of Community as a result of or in connection with any disagreements with Community
on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iv)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>As of the date of this Agreement, except as would not, individually or in the aggregate, reasonably be expected to have
a Material Adverse Effect on Community, neither Community nor any of its Subsidiaries has any Liability (whether absolute, accrued,
contingent or otherwise and whether due or to become due) required by GAAP to be included on a consolidated balance sheet of Community,
except for those liabilities that are reflected or reserved against on the consolidated balance sheet of Community included in
its Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2019 (including any notes thereto), and for liabilities
incurred (A) in the ordinary course of business consistent with past practice since June 30, 2019, or (B) in connection with this
Agreement and the transactions contemplated hereby.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(v)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The records, systems, controls, data and information of Community and its Subsidiaries are recorded, stored, maintained
and operated under means (including any electronic, mechanical or photographic process, whether computerized or not) that are
under the exclusive ownership and direct control of Community or its Subsidiaries or accountants (including all means of access
thereto and therefrom), except for any non-exclusive ownership and non-direct control that, either individually or in the aggregate,
would not reasonably be expected to have a Material Adverse Effect on Community. Community (A)&nbsp;has implemented and maintains
disclosure controls and procedures (as defined in Rule&nbsp;13a-15(e) of the Exchange Act) to ensure that material information
relating to Community, including its Subsidiaries, is made known to the chief executive officer and the chief financial officer
of Community by others within those entities as appropriate to allow timely decisions regarding required disclosures and to make
the certifications required by the Exchange Act and Sections&nbsp;302 and 906 of the Sarbanes-Oxley Act, and (B)&nbsp;has disclosed,
based on its most recent evaluation prior to the date hereof, to Community&rsquo;s outside auditors and the audit committee of
Community&rsquo;s Board of Directors (x)&nbsp;any significant deficiencies and material weaknesses in the design or operation
of internal control over financial reporting (as defined in Rule&nbsp;13a-15(f) of the Exchange Act) which are reasonably likely
to adversely affect Community&rsquo;s ability to record, process, summarize and report financial information, and (y)&nbsp;to
the Knowledge of Community, any fraud, whether or not material, that involves management or other employees who have a significant
role in Community&rsquo;s internal controls over financial reporting. To the Knowledge of Community, there is no reason to believe
that Community&rsquo;s outside auditors and its chief executive officer and chief financial officer will not be able to give the
certifications and attestations required pursuant to the rules and regulations adopted pursuant to Section&nbsp;404 of the Sarbanes-Oxley
Act, without qualification, when next due.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(vi)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Since December&nbsp;31, 2016, (A)&nbsp;neither Community nor any of its Subsidiaries, nor, to the Knowledge of Community,
any director, officer, auditor, accountant or Representative of Community or any of its Subsidiaries, has received or otherwise
had or obtained knowledge of any material complaint, allegation, assertion or claim, whether written or oral, regarding the accounting
or auditing practices, procedures, methodologies or methods (including with respect to loan loss reserves, write-downs, charge-offs
and accruals) of Community or any of its Subsidiaries or their respective internal accounting controls, including any material
complaint, allegation, assertion or claim that Community or any of its Subsidiaries has engaged in questionable accounting or
auditing practices, and (B)&nbsp;no attorney representing Community or any of its Subsidiaries, whether or not employed by Community
or any of its Subsidiaries, has reported evidence of a material violation of Securities Laws, breach of fiduciary duty or similar
violation by Community or any of its officers, directors, employees or agents to the Board of Directors of Community or any committee
thereof or to the Knowledge of Community, to any director or officer of Community.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Legal Proceedings</U>. There is no Litigation pending or, to the Knowledge of Community, threatened against Community
or any of its Subsidiaries or its or any of its Subsidiaries&rsquo; assets, interests or rights, nor are there any Orders of any
Governmental Authority outstanding against Community or any of its Subsidiaries, in each case except as would not, individually
or in the aggregate, reasonably be expected to have a Material Adverse Effect on Community. Except as, individually or in the
aggregate, would not reasonably be expected to have a Material Adverse Effect on Community, there are no Orders of any Governmental
Authority outstanding against Community or any of its Subsidiaries.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Compliance with Laws</U>. (i)&nbsp;&nbsp;Community and each of its Subsidiaries are, and at all times since December&nbsp;31,
2016, have been, in compliance in all material respects with all Laws applicable to their businesses, operations, properties,
assets and employees. Community and each of its Subsidiaries have in effect all Permits necessary for them to own, lease or operate
their material properties and assets and to carry on their businesses and operations as now conducted and, to Community&rsquo;s
Knowledge, there has occurred no Default under any Permit applicable to their respective businesses or employees conducting their
respective businesses.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither Community nor any of its Subsidiaries is subject to any cease-and-desist or other order or enforcement action issued
by, or is a party to any written agreement, consent agreement or memorandum of understanding with, or is a party to any commitment
letter or similar undertaking to, or is subject to any order or directive by, or has been ordered to pay any civil money penalty
by, or has been since December&nbsp;31, 2016, a recipient of any supervisory letter from, or since December&nbsp;31, 2016, has
adopted any policies, procedures or board resolutions at the request or suggestion of any Regulatory Authority or other Governmental
Authority that currently restricts in any material respect the conduct of its business or that in any material manner relates
to its capital adequacy, its ability to pay dividends, its credit or risk management policies, its management or its business
(each, whether or not set forth in the Community Disclosure Letter, a &ldquo;<U>Community Regulatory Agreement</U>&rdquo;), nor
has Community or any of its Subsidiaries been advised in writing or, to the Knowledge of Community, orally, since December&nbsp;31,
2016, by any Regulatory Authority or other Governmental Authority that it is considering issuing, initiating, ordering or requesting
any such Community Regulatory Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither Community nor any of its Subsidiaries (nor, to the Knowledge of Community, any of their respective directors, executives,
Representatives, agents or employees) (A)&nbsp;has used or is using any corporate funds for any illegal contributions, gifts,
entertainment or other unlawful expenses relating to political activity, (B)&nbsp;has used or is using any corporate funds for
any direct or indirect unlawful payments to any foreign or domestic governmental officials or employees, (C)&nbsp;has violated
or is violating any provision of the Foreign Corrupt Practices Act of 1977, (D)&nbsp;has established or maintained, or is maintaining,
any unlawful fund of corporate monies or other properties or (E)&nbsp;has made any bribe, unlawful rebate, payoff, influence payment,
kickback or other unlawful payment of any nature.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Absence
of Certain Changes or Events</U>. Since December&nbsp;31, 2018 through the date of this Agreement, (A)&nbsp;except for the negotiation
of this Agreement and the transactions contemplated hereby and for the acquisition of Kinderhook Bank Corp., Community and each
of its Subsidiaries has conducted its business in all material respects in the ordinary course of business consistent with past
practice, and (B)&nbsp;there have been no facts, events, changes, circumstances or effects that have had, or would reasonably
be expected to have, individually or in the aggregate, a Material Adverse Effect on Community.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Community Reinvestment Act</U>.&nbsp; Community Bank has complied in all material respects with the provisions of the
CRA and the rules and regulations thereunder, has a CRA rating of not less than &ldquo;satisfactory&rdquo; in its most recently
completed exam, has received no material criticism from regulators with respect to discriminatory lending practices, and to the
Knowledge of Community, there are no conditions, facts or circumstances that could result in a CRA rating of less than &ldquo;satisfactory&rdquo;
or material criticism from regulators or consumers with respect to discriminatory lending practices.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Legality of Community Securities</U>. All shares of Community Common Stock to be issued pursuant to the Merger have
been duly authorized and, when issued pursuant to this Agreement, will be validly and legally issued, fully paid and nonassessable.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Certain Actions</U>. Neither Community nor any of its Subsidiaries or Affiliates has taken or agreed to take any action,
and to the Knowledge of Community, there are no facts or circumstances, that are reasonably likely to (i)&nbsp;prevent the Merger
from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a) of the Code, or (ii)&nbsp;materially
impede or delay receipt of any Requisite Regulatory Approval. To Community&rsquo;s Knowledge there exists no fact, circumstance,
or reason that would cause any Requisite Regulatory Approval not to be received in a timely manner.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Brokers and Finders</U>. Except for D.A. Davidson &amp; Co., neither Community nor any of its Subsidiaries, nor any
of their respective directors, officers, employees or Representatives, has employed any broker or finder or incurred any Liability
for any financial advisory fees, investment bankers&rsquo; fees, brokerage fees, commissions or finders&rsquo; fees in connection
with this Agreement or the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Merger Consideration</U>. Community now has and will have, at the Effective Time, unissued shares of Community Common
Stock and shares of Community Common Stock held in its treasury that are not reserved for any other purpose sufficient to issue
the number of shares of Community Common Stock contemplated by <U>Article&nbsp;2</U>, and a sufficient amount of cash to pay the
amounts contemplated by <U>Article&nbsp;2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Certain
Information</U>. When the Registration Statement or any post-effective amendment thereto shall become effective, and at all times
subsequent to such effectiveness up to and including the time of the Steuben Shareholder Meeting to vote upon the adoption of
this Agreement, such Registration Statement and all amendments or supplements thereto, with respect to all information set forth
or incorporated by reference therein furnished by Community relating to Community or any of its Subsidiaries, (i)&nbsp;shall comply
in all material respects with the applicable provisions of the Securities Laws, and (ii)&nbsp;shall not contain any untrue statement
of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements contained
therein, in the light of the circumstances under which they were made, not misleading. All information concerning Community and
its directors, officers, and stockholders included (or submitted for inclusion) in any application and furnished by it pursuant
to <U>Section&nbsp;4.5</U> or <U>4.8</U> of this Agreement shall be true, correct and complete in all material respects.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Regulatory Capitalization</U>.&nbsp; Community Bank is, and&nbsp; as of immediately prior to the Effective Time will
be, &ldquo;well capitalized,&rdquo; as such term is defined in the rules and regulations promulgated by the OCC. Community is,
and immediately prior to the Effective Time will be, &ldquo;well capitalized&rdquo; as such term is defined in the rules and regulations
promulgated by the Federal Reserve Board.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><U>Labor Matters</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(i)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Neither
Community nor any of its Subsidiaries is a party to or bound by or currently negotiating any collective bargaining agreement or
any other similar agreement with any labor organization, group or association. Since December 31, 2016, neither Community nor
any of its Subsidiaries has experienced any organizational campaign, petition or other unionization activity relating to any Service
Provider, including seeking to make Community or any of its Subsidiaries conform to demands of organized labor or enter into any
collective bargaining agreement or any other similar agreement with any labor organization, group or association. There is no
strike or work stoppage pending or, to the Knowledge of Community, threatened against Community or any of its Subsidiaries. The
consent or consultation of, or the rendering of formal advice by, any labor or trade union, works council or other employee representative
body is not required for Community to enter into this Agreement or to consummate any of the transactions contemplated hereby.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(ii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>There
is no material unfair labor practice charge or other material Litigation regarding Service Providers against Community or any
of its Subsidiaries pending, or to the Knowledge of Community, threatened, before any court, arbitrator or Governmental Authority
(including the National Labor Relations Board). Neither Community nor any of its Subsidiaries has failed to comply with any collective
bargaining agreement or any other similar agreement with any labor organization, group or association and there are no grievances
pending, or to the Knowledge of Community, threatened, under any such agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 48.95pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify; text-indent: 0.5in">(iii)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>Community and its Subsidiaries are in compliance in all material respects with, and to the Knowledge of Community are not
under investigation with respect to, applicable Laws with respect to employment and employee matters, including employment practices,
employee benefits, labor relations, terms and conditions of employment, Tax withholding, discrimination, equal employment, fair
employment practices, immigration, employee classification, human rights, pay equity, workers&rsquo; compensation, employee safety
and health, facility closings and layoffs (including the Worker Adjustment and Retraining Notification Act of 1988).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(p)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Privacy
of Customer Information</U>.&nbsp;&nbsp;Community and its Subsidiaries&rsquo; collection and use of PIFI and the use of such PIFI
by Community or any of its Subsidiaries complies in all material respects with all applicable Law.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(q)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Insurance
Policies</U>. Except as would not reasonably be expected to have, individually or in the aggregate, a Material Adverse Effect,
Community and each of its Subsidiaries maintains in full force and effect insurance policies and bonds in such amounts and against
such liabilities and hazards of the types and amounts as (i)&nbsp;it reasonably believes to be adequate for its business and operations
and the value of its properties and (ii) are comparable to those maintained by other banking organizations of similar size and
complexity.</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">Article&nbsp;4<BR>
<BR>
COVENANTS AND ADDITIONAL AGREEMENTS OF THE PARTIES</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conduct
of Business Prior to Effective Time</U>. During the period from the date of this Agreement until the earlier of the termination
of this Agreement pursuant to <U>Article&nbsp;6</U> or the Effective Time, except as expressly permitted by this Agreement or as
required by applicable Law, (a)&nbsp;Steuben shall, and shall cause each of its Subsidiaries to, (i)&nbsp;conduct its business
in the ordinary course consistent with past practice, (ii)&nbsp;use reasonable best efforts to maintain and preserve intact its
business organization, employees and advantageous business relationships, and (iii)&nbsp;maintain its books, accounts and records
in the usual manner on a basis consistent with that heretofore employed, and (b)&nbsp;each Party shall, and shall cause its Subsidiaries
to, take no action that would adversely affect or delay the satisfaction of the conditions set forth in <U>Section&nbsp;5.1(a)</U>
or <U>5.1(b)</U> or the ability of either Party to perform its respective covenants and agreements under this Agreement or to consummate
the transactions contemplated hereby on a timely basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Forbearances</U>.
During the period from the date of this Agreement until the earlier of the termination of this Agreement pursuant to <U>Article&nbsp;6</U>
or the Effective Time, except as expressly permitted by this Agreement (including as set forth in Section 4.2 of the Steuben Disclosure
Letter) or as required by applicable Law, Steuben shall not, and shall not permit any of its Subsidiaries to, without the prior
written consent of Community (such consent not to be unreasonably withheld, conditioned or delayed):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>amend
or propose to amend its Organizational Documents or any resolution or agreement concerning indemnification of its directors or
officers;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT>(i)&nbsp;adjust, split, combine, subdivide or reclassify any capital stock, (ii)&nbsp;make, declare, set aside or pay any
dividend or make any other distribution on, or directly or indirectly redeem, purchase or otherwise acquire, any shares of its
capital stock or any securities or obligations convertible (whether currently convertible or convertible only after the passage
of time or the occurrence of certain events) into or exchangeable for any shares of its capital stock, other than (A)&nbsp;dividends
paid by any of the Subsidiaries of Steuben to Steuben or any of its wholly-owned Subsidiaries, (B)&nbsp;regular quarterly cash
dividends by Steuben at a rate not in excess of $0.36 per Steuben Common Share with record and payment dates consistent with the
comparable quarters in the prior year (subject to <U>Section&nbsp;4.19</U>), (C) acquisitions of Steuben Common Shares resulting
from the net exercise of Steuben Stock Options outstanding as of the date hereof, in accordance with their terms as of the date
hereof, and (D)&nbsp;dividends payable on the trust preferred securities issued in connection with the Steuben Debentures in accordance
with the terms of the applicable governing documents, (iii)&nbsp;grant or issue any Rights, (iv)&nbsp;issue or otherwise permit
to become outstanding, sell, pledge, dispose of, grant, transfer, lease, license, guarantee, encumber, or authorize the issuance,
sale, pledge, disposition, grant, transfer, lease, license, guarantee or encumbrance of, any shares of its capital stock or Rights,
other than issuances of Steuben Common Shares upon the exercise of Steuben Stock Options in existence on the date hereof pursuant
to their terms, (v) fulfill participant purchases of Steuben Common Shares under the Steuben Dividend Reinvestment Plan through
the issuance of authorized and unissued Steuben Common Shares or Steuben treasury stock, or (vi)&nbsp;make any material change
in any instrument or Contract governing the terms of any of its securities;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
than in the ordinary course of business consistent with past practice (including by way of foreclosure or acquisitions of control
in a fiduciary or similar capacity or in satisfaction of debts previously contracted in good faith), make any material investment
(either by purchase of stock or securities, contributions to capital, property transfers, or purchase of any property or assets)
in any other Person other than a wholly-owned Subsidiary of Steuben;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;charge
off (except as may otherwise be required by Law or by Regulatory Authorities or by GAAP) or sell (except in the ordinary course
of business consistent with past practices) any of its portfolio of Loans;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;terminate
or allow to be terminated any of the policies of insurance it maintains on its business or property, cancel any material indebtedness
owing to it or any claims that it may have possessed, or waive any right of substantial value or discharge or satisfy any material
noncurrent Liability;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;enter
into any material new line of business;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
in the ordinary course of business consistent with past practice: (i)&nbsp;lend any money or pledge any of its credit in connection
with any aspect of its business whether as a guarantor, surety, issuer of a letter of credit or otherwise; (ii)&nbsp;mortgage or
otherwise subject to any Lien, encumbrance or other Liability any of its assets; (iii)&nbsp;except for property held as other real
estate owned, sell, assign or transfer any of its assets in excess of $25,000 in the aggregate for Steuben and its Subsidiaries;
or (iv)&nbsp;incur any material Liability, commitment, indebtedness or obligation (of any kind whatsoever, whether absolute or
contingent), or cancel, release or assign any indebtedness of any Person or any claims against any Person, except pursuant to Contracts
in force as of the date of this Agreement and disclosed in Section&nbsp;3.2(k) of the Steuben Disclosure Letter or transfer, agree
to transfer or grant, or agree to grant, a license to, any of its material Intellectual Property;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
than in the ordinary course of business consistent with past practice, incur any indebtedness for borrowed money (other than short-term
indebtedness incurred to refinance short-term indebtedness (it being understood that for purposes of this <U>Section&nbsp;4.2(h)</U>,
 &ldquo;short-term&rdquo; shall mean maturities of six (6) months or less)); or assume, guarantee, endorse or otherwise as an accommodation
become responsible for the obligations of any Person;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(i)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
than purchases of investment securities in the ordinary course of business consistent with past practice, materially restructure
or materially change its investment securities portfolio or its gap position, through purchases, sales or otherwise, or the manner
in which the portfolio is classified or reported;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(j)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
in the ordinary course of business or as disclosed in Section 4.2(j) of the Steuben Disclosure Letter, terminate, materially amend
or modify or waive any material provision of, any material Contract other than any contract that terminates by its terms or normal
renewals of Contracts without material adverse changes of terms, or enter into any material Contract;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(k)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;other
than as required under applicable Law or by Steuben Benefit Plans as in effect at the date of this Agreement and listed in Section&nbsp;3.2(j)(i)
of the Steuben Disclosure Letter, (i)&nbsp;adopt, enter into, establish, terminate, renew or amend any Benefit Plan (or communicate
any intention to take any such action), (ii)&nbsp;change the compensation or benefits of any director, officer or other Service
Provider, other than an across-the-board cost of living increase in base salary applicable to all current employees of Steuben
and its Subsidiaries, which does not exceed two percent (2%) of each such current employee&rsquo;s base salary in effect as of
the date of this Agreement, (iii) adopt, enter into or amend any collective bargaining agreement or any other similar agreement
with any labor organization, group or association, (iv)&nbsp;adopt, enter into, establish, amend or grant any employment, severance,
change in control, termination, deferred compensation, pension or retirement arrangement, (v)&nbsp;grant or pay any equity awards
or other incentive compensation, or pay any bonus or incentive compensation under a pre-existing Steuben Benefit Plan in excess
of the amount accrued on the Steuben Financial Statements through December 31, 2019 and earned as determined in the sole discretion
of Steuben&rsquo;s Board of Directors, reasonably exercised, in accordance with the applicable terms of such pre-existing Steuben
Benefit Plan, (vi)&nbsp;accelerate any rights or benefits under any Steuben Benefit Plan, including accelerating the vesting of,
or the lapsing of restrictions with respect to, any Steuben Stock Options or otherwise amend the terms of any outstanding equity
awards or equity-based awards, (vii)&nbsp;pay any severance in excess of what is legally required, (viii)&nbsp;take any action
to fund or secure the payment of any amounts under any Steuben Benefit Plan, or change any assumptions used to calculate funding
or contribution obligations under any Steuben Benefit Plan, other than as required by GAAP, or (ix)&nbsp;hire or terminate (other
than for cause) any director, officer, or any other Service Provider with annual base salary or wages that is reasonably anticipated
to exceed $100,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(l)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;commence,
settle or agree to settle any Litigation, except in the ordinary course of business consistent with past practice that (i)&nbsp;involves
only the payment of money damages not in excess of $50,000 individually or $100,000 in the aggregate, (ii)&nbsp;does not involve
the imposition of any equitable relief on, or the admission of wrongdoing by, Steuben or the applicable Subsidiary thereof and
(iii)&nbsp;would not create precedent for claims that are reasonably likely to be material to Steuben or any of its Subsidiaries,
or, after the Closing, Community or any of its Subsidiaries;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(m)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;materially
revalue any of its assets or change any method of accounting or accounting practice used by it, other than changes required by
GAAP or any Regulatory Authority;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(n)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i)&nbsp;file any Tax Return except in the ordinary course of business consistent with past practice or amend any Tax Return; (ii)&nbsp;settle
or compromise any Tax Liability; (iii)&nbsp;make, change or revoke any Tax election or change any method of Tax accounting, except
as required by applicable Law; (iv)&nbsp;enter into any &ldquo;closing agreement&rdquo; as described in Section&nbsp;7121 of the
Code (or any similar provision of state, local or foreign Law); (v)&nbsp;surrender any claim for a refund of Taxes; or (vi)&nbsp;consent
to any extension or waiver of the limitations period applicable to any claim or assessment with respect of Taxes;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(o)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
change its fiscal or Tax year;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(p)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;knowingly
take, or knowingly omit to take, any action that is reasonably likely to result in any of the conditions to the Merger set forth
in <U>Article&nbsp;5</U> not being satisfied; <U>provided</U>, that nothing in this <U>Section&nbsp;4.2(p)</U> shall preclude
Steuben from exercising its rights under <U>Section&nbsp;4.5</U> or <U>4.12</U>;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(q)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;merge
or consolidate itself or its Subsidiaries with any other Person, or restructure, reorganize or completely or partially liquidate
or dissolve (or adopt or enter into a plan to effect any of the foregoing) itself or any of its Subsidiaries (other than mergers
or consolidations solely involving its Subsidiaries);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(r)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;acquire
assets outside of the ordinary course of business consistent with past practice from any other Person with a value or purchase
price in the aggregate in excess of $50,000;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(s)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;enter
into any Contract that would have been required to be disclosed in Section&nbsp;3.2(k) of the Steuben Disclosure Letter had it
been entered into prior to the execution of this Agreement;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(t)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;make
any changes in the mix, rates, terms or maturities of Steuben Bank&rsquo;s deposits or other Liabilities, except in a manner and
pursuant to policies consistent with past practice and competitive factors in the market place; open any new branch or deposit
taking facility; or close, relocate or materially renovate any existing branch or facility;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(u)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;make
any material changes in its policies and practices with respect to (i)&nbsp;underwriting, pricing, originating, acquiring, selling,
servicing or buying or selling rights to service, Loans or (ii)&nbsp;investment, risk and asset liability management or hedging
practices and policies, in each case except as may be required by such policies and practices or by any applicable laws, regulations,
guidelines or policies imposed by any Governmental Authority;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(v)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;make
any Loans, or enter into any commitments to make Loans, which vary other than in immaterial respects from its written Loan policies,
a true and correct copy of which policies has been provided to Community; <U>provided</U>, that this covenant shall not prohibit
Steuben Bank from extending or renewing Loans in the ordinary course of business consistent with past lending practices or in
connection with the workout or renegotiation of Loans currently in its Loan portfolio;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(w)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;renew
or enter into any non-compete, exclusivity, non-solicitation or similar agreement that would restrict or limit, in any material
respect, the operations of Steuben or any of its Subsidiaries or, after the Effective Time, Community or any of its Subsidiaries;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(x)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;waive
any material benefits of, or agree to modify in any adverse respect, or fail to enforce, or consent to any matter with respect
to which its consent is required under, any confidentiality, standstill or similar agreement to which Steuben or any of its Subsidiaries
is a party;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(y)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;engage
in (or modify in a manner adverse to Steuben or its Subsidiaries) any transactions (except for any ordinary course banking relationships
permitted under applicable Law) with any Affiliate or any director or officer thereof (or any Affiliate or immediate family member
of any such Person or any Affiliate of such Person&rsquo;s immediate family members);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(z)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;except
in the ordinary course of business consistent with past practice, enter into any new lease of real property or amend the terms
of any existing lease of real property;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(aa)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;incur
or commit to incur any capital expenditure or authorization or commitment with respect to them that, in the aggregate is in excess
of $100,000, except as disclosed in the annual business plan or budget previously disclosed to Community;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(bb)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;take
any action or knowingly fail to take any action where such action or failure to act could reasonably be expected to prevent the
Merger from qualifying as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a) of the Code; or</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(cc)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;agree
or commit to take any of the actions prohibited by this <U>Section&nbsp;4.2</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Litigation</U>.
Each of Community and Steuben shall promptly notify each other in writing of any Litigation issued, commenced, brought, conducted
or heard by or before, or otherwise involving, any Governmental Authority pending or, to the Knowledge of Community or Steuben,
as applicable, threatened against Community, Steuben or any of their respective Subsidiaries or directors that (a)&nbsp;questions
or would reasonably be expected to question the validity of this Agreement or the other agreements contemplated hereby or any
actions taken or to be taken by Community, Steuben or their respective Subsidiaries with respect hereto or thereto, or (b)&nbsp;seeks
to enjoin or otherwise restrain the transactions contemplated hereby or thereby. Steuben shall give Community the opportunity
to participate in the defense or settlement of any shareholder or derivative Litigation against Steuben and/or its directors relating
to the transactions contemplated by this Agreement, and no such settlement shall be agreed to without Community&rsquo;s prior
written consent.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.4&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>State
Filings</U>. Upon the terms and subject to the conditions of this Agreement and prior to or in connection with the Closing, Community
and Steuben shall execute and the Parties shall cause to be filed the Certificates of Merger with the New York Secretary and the
Delaware Secretary and any other such filings with the State of New York or the State of Delaware necessary to effect the transactions
contemplated in this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.5&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Steuben
Shareholder Approval</U>. (a) Steuben shall call and give notice of a meeting of its shareholders (the &ldquo;<U>Steuben Shareholder
Meeting</U>&rdquo;) to be held as soon as reasonably practicable after the Registration Statement is declared effective by the
SEC for the purpose of obtaining the Steuben Shareholder Approval and, if so desired and mutually agreed, upon other matters of
the type customarily brought before an annual or special meeting of shareholders to adopt a merger agreement, and Steuben shall
use its reasonable best efforts to cause such meeting to occur as soon as reasonably practicable. The Board of Directors of Steuben
shall use its reasonable best efforts to obtain from the shareholders of Steuben the Steuben Shareholder Approval, including by
communicating to its shareholders the Steuben Directors&rsquo; Recommendation (and including such recommendation in the Proxy
Statement), and, if requested by Community, Steuben shall engage a proxy solicitor reasonably acceptable to Community to assist
in the solicitation of proxies from shareholders relating to the Steuben Shareholder Approval; <U>provided</U>, <U>however</U>,
that, prior to the Steuben Shareholder Meeting and subject to <U>Sections&nbsp;6.1</U> and <U>6.2</U>, so long as Steuben has
complied with its obligations under <U>Section&nbsp;4.12</U>, if the Board of Directors of Steuben, after receiving the advice
of its outside counsel and, with respect to financial matters, its financial advisor, determines in good faith that, because of
(x)&nbsp;the receipt of an Acquisition Proposal that constitutes a Superior Proposal or (y)&nbsp;the occurrence of an Intervening
Event, failure to take such action would be inconsistent with its fiduciary duties under applicable Law, the Board of Directors
of Steuben may submit this Agreement to Steuben&rsquo;s shareholders without recommendation (although the resolutions approving
this Agreement as of the date hereof may not be rescinded or amended), in which event the Board of Directors of Steuben may communicate
the basis for its lack of a recommendation to Steuben&rsquo;s shareholders in the Proxy Statement or an appropriate amendment
or supplement thereto to the extent required by Law; <U>provided</U><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<U>further</U>,
</FONT>that the Board of Directors of Steuben may not take any actions under the foregoing proviso unless (i)&nbsp;it gives Community
at least five (5)&nbsp;Business Days&rsquo; prior written notice of its intention to take such action and a reasonably detailed
description of the Acquisition Proposal or Intervening Event giving rise to its determination to take such action (including,
in the case of an Acquisition Proposal, the latest material terms and conditions and the identity of the third party in any such
Acquisition Proposal (including an unredacted copy of all proposed agreements and other documents with respect to such Acquisition
Proposal) or any amendment or modification thereof), (ii)&nbsp;during such five (5) Business Day notice period, Steuben shall,
and shall cause its financial and legal advisors to, negotiate with Community in good faith (to the extent Community seeks to
negotiate) regarding any revisions to the terms of the transactions contemplated by this Agreement proposed by Community, and
(iii)&nbsp;at the end of such notice period, the Board of Directors of Steuben takes into account in good faith any amendment
or modification to this Agreement proposed by Community and after receiving the advice of its outside counsel and, with respect
to financial matters, its financial advisor, determines in good faith that it would nevertheless be inconsistent with its fiduciary
duties under applicable Law to continue to recommend this Agreement. Any material amendment to any Acquisition Proposal or material
development with respect to any Intervening Event will be deemed to be a new Acquisition Proposal or Intervening Event, as the
case may be, for purposes of this <U>Section&nbsp;4.5(a)</U> and will require a new notice period as referred to in this <U>Section&nbsp;4.5(a)</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
shall adjourn or postpone the Steuben Shareholder Meeting if, as of the time for which such meeting is originally scheduled there
are insufficient Steuben Common Shares represented (either in person or by proxy) to constitute a quorum necessary to conduct
the business of such meeting, or if on the date of such meeting Steuben has not received proxies representing a sufficient number
of shares necessary to obtain the Steuben Shareholder Approval, and, subject to the terms and conditions of this Agreement, Steuben
shall continue to use all reasonable best efforts, together with its proxy solicitor (if applicable), to solicit proxies from
Steuben shareholders in favor of the Steuben Shareholder Approval. Notwithstanding anything to the contrary herein, unless this
Agreement has been terminated in accordance with its terms, the Steuben Shareholder Meeting shall be convened and this Agreement
shall be submitted to the shareholders of Steuben at the Steuben Shareholder Meeting, for the purpose of voting on the adoption
of this Agreement and the other matters contemplated hereby, and nothing contained herein shall be deemed to relieve Steuben of
such obligation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.6&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Listing
of Community Common Stock</U>. Community shall cause the shares of Community Common Stock to be issued in the Merger to be approved
for listing on the NYSE, subject to official notice of issuance, prior to the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.7&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Reasonable
Best Efforts</U>. (a)&nbsp;&nbsp;Subject to the terms and conditions of this Agreement, including <U>Section&nbsp;4.8</U>, the
Parties will use all reasonable best efforts to take, or cause to be taken, in good faith, all actions, and to do, or cause to
be done, all things necessary, proper or advisable under applicable Laws to permit consummation of the Merger as promptly as practicable
and otherwise to enable consummation of the transactions contemplated hereby, and each will cooperate fully with and furnish information
to the other Party to that end, and obtain all consents of, and give all notices to and make all filings with, all Governmental
Authorities and other third parties that may be or become necessary for the performance of its obligations under this Agreement
and the consummation of the transactions contemplated hereby; <U>provided,</U> that Steuben shall not agree to make any payments
or modifications to agreements in connection therewith without the prior written consent of Community, which consent shall not
be unreasonably withheld, conditioned or delayed; and <U>provided</U><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<U>further</U><I>,
</I>that nothing contained herein shall preclude any Party from exercising its rights under this Agreement.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Immediately
following the Effective Time, the Parties shall take all actions necessary to consummate the Bank Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Party undertakes and agrees to use its reasonable efforts to cause the Merger to qualify, and to take no action that would prevent
the Merger from qualifying, as a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a) of the Code.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Parties shall consult with respect to the character, amount and timing of restructuring charges to be taken by each of them in
connection with the transactions contemplated hereby and shall take such charges in accordance with GAAP, as such Parties mutually
agree upon.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.8&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Applications
and Consents</U>. (a)&nbsp;&nbsp;Community and Steuben shall promptly prepare and file with the SEC, no later than sixty (60)
days after the date of this Agreement, the Proxy Statement and Community shall promptly prepare and file with the SEC the Registration
Statement, in which the Proxy Statement will be included as a prospectus. Each of Community and Steuben shall use reasonable best
efforts to have the Registration Statement declared effective under the Securities Act as promptly as practicable after such filing
and to keep the Registration Statement effective for so long as necessary to consummate the transactions contemplated by this
Agreement, and Steuben shall thereafter as promptly as practicable mail or deliver the Proxy Statement to its shareholders. Community
shall also use its reasonable best efforts to obtain all necessary state Securities Law or &ldquo;Blue Sky&rdquo; permits and
approvals required to carry out the transactions contemplated by this Agreement, and Steuben shall furnish all information concerning
Steuben and the holders of Steuben Common Shares as may be reasonably requested in connection with any such action.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Parties shall cooperate with each other and use, and cause their applicable Subsidiaries to use, their reasonable best efforts
to promptly prepare and file all necessary documentation, to effect all applications, notices, petitions and filings, to obtain
as promptly as practicable all Permits, Consents, approvals and authorizations of all third parties and Governmental Authorities
which are necessary or advisable to consummate the transactions contemplated by this Agreement (including the Requisite Regulatory
Approvals), and to comply with the terms and conditions of all such Permits, Consents, approvals and authorizations of all such
Governmental Authorities and third parties. Without limiting the generality of the foregoing, as soon as reasonably practicable
and in no event later than sixty (60) days after the date of this Agreement, Community and Steuben shall, and shall cause their
respective Subsidiaries to, each prepare and file any applications, notices and filings required to be filed with any Governmental
Authority in order to obtain the Requisite Regulatory Approvals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Community
and Steuben shall have the right to review in advance, and, to the extent practicable, each will consult the other on, in each
case subject to applicable Laws relating to the exchange of information, all the information relating to Steuben or Community,
as the case may be, and any of their respective Subsidiaries, which appears in any filing made with, or written materials submitted
to, any third party or any Governmental Authority in connection with the transactions contemplated by this Agreement. In exercising
the foregoing right, each of the Parties shall act reasonably and as promptly as practicable. To the extent not prohibited by applicable
Law, the Parties agree that they will consult with each other with respect to the obtaining of all Permits, Consents, approvals
and authorizations of all third parties and Governmental Authorities necessary or advisable to consummate the transactions contemplated
by this Agreement and each Party will keep the other apprised of the status of matters relating to completion of the transactions
contemplated hereby. Each Party shall consult with the other in advance of any meeting or conference with any Governmental Authority
in connection with the transactions contemplated by this Agreement and, to the extent permitted by such Governmental Authority,
Steuben shall give Community and/or its counsel the opportunity to attend and participate in such meetings and conferences.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
furtherance and not in limitation of the foregoing, each of Community and Steuben shall use its reasonable best efforts to avoid
the entry of, or to have vacated, lifted, reversed or overturned any decree, judgment, injunction or other Order, whether temporary,
preliminary or permanent, that would restrain, prevent or delay the Closing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Community
and Steuben shall, upon request, furnish each other with all information concerning themselves, their Subsidiaries, directors,
officers and stockholders and such other matters as may be reasonably necessary or advisable in connection with the Proxy Statement,
the Registration Statement or any other statement, filing, notice or application made by or on behalf of Community, Steuben or
any of their respective Subsidiaries to any Governmental Authority in connection with the Merger, the Bank Merger and the other
transactions contemplated by this Agreement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the extent permitted by applicable Law, Community and Steuben shall promptly advise each other upon receiving any communication
from any Governmental Authority whose Consent is required for consummation of the transactions contemplated by this Agreement that
causes such Party to believe that there is a reasonable likelihood that any Requisite Regulatory Approval will not be obtained
or that the receipt of any such Consent will be materially delayed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
used in this Agreement, the &ldquo;<U>Requisite Regulatory Approvals</U>&rdquo; shall mean all regulatory authorizations, Consents,
Orders or approvals from, to or with (x) the Federal Reserve Board, the OCC, the FDIC, the New York State Department of Financial
Services or any Federal Home Loan Bank or Federal Reserve Bank that are necessary to consummate the transactions contemplated
by this Agreement, including the Merger and the Bank Merger, and (y)&nbsp;any other approvals set forth in <U>Sections&nbsp;3.2(b)(vi)
</U>and <U>3.3(b)(iv)</U> that are necessary to consummate the transactions contemplated by this Agreement, including the Merger
and the Bank Merger, except in the case of this clause&nbsp;(y) for any such authorizations, Consents, Orders or approvals the
failure of which to be obtained or made would not reasonably be expected to have, individually or in the aggregate, a Material
Adverse Effect on Steuben or Community, as the case may be.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Notwithstanding
anything to the contrary in this Agreement, nothing in this Agreement shall require Community or its Subsidiaries to take, or
agree to take, any actions, or to accept any restriction, requirement or condition, that, individually or in the aggregate, would
reasonably be expected to have a Material Adverse Effect on Community, Steuben, and their respective Subsidiaries, taken as a
whole, or prohibit or materially limit the ownership or operation by Steuben or any of its Subsidiaries, or Community or any of
its Subsidiaries, of all or any material portion of the business or assets of Steuben and its Subsidiaries or Community and its
Subsidiaries, in each case taken as a whole, or compel Community or any of its Subsidiaries to dispose of or hold separate all
or any material portion of the business or assets of Steuben and its Subsidiaries or Community and its Subsidiaries, in each case
taken as a whole (a &ldquo;<U>Materially Burdensome Regulatory Condition</U>&rdquo;).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Section&nbsp;4.9&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Notification
of Certain Matters</U>. Each Party will give prompt written notice to the other Party (and subsequently keep such other Party
informed on a current basis) upon its becoming aware of the occurrence or existence of any fact, event, change, circumstance or
effect that (a)&nbsp;is reasonably likely to result in any Material Adverse Effect on it, or (b)&nbsp;would cause or constitute
a breach of any of its representations, warranties, covenants, or agreements contained herein; <U>provided</U>, that any failure
to give notice in accordance with the foregoing with respect to any breach shall not be deemed to constitute the failure of any
condition set forth in <U>Section&nbsp;5.2(a)</U> or <U>5.2(b)</U>, or <U>Section 5.3(a)</U> or <U>5.3(b)</U>, as the case may
be, to be satisfied, or otherwise constitute a breach of this Agreement by such Party due to its failure to give such notice unless
the underlying breach would independently result in a failure of the conditions set forth in <U>Section&nbsp;5.2(a)</U> or <U>5.2(b)</U>,
or <U>Section 5.3(a)</U> or <U>5.3(b)</U>, as the case may be, or give rise to a termination right under <U>Section&nbsp;6.1</U>.
Steuben shall deliver to Community a copy of the written opinion (or any withdrawal of such opinion) of PNC FIG Advisory, Inc.
or any other financial advisor, as soon as reasonably practicable after Steuben&rsquo;s receipt thereof.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Section&nbsp;4.10&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Investigation
and Confidentiality</U>. (a)&nbsp;&nbsp;Upon reasonable notice and subject to applicable Laws, Steuben shall, and shall cause
its Subsidiaries to, afford to the officers, employees, accountants, counsel, advisors and other Representatives of Community,
access, during normal business hours during the period prior to the Effective Time, to all of their properties, books, Contracts,
commitments, personnel, information technology systems and records, and, during such period, Steuben shall, and shall cause its
Subsidiaries to, make available to Community such information concerning their respective businesses, properties and personnel
as Community may request. Community shall use commercially reasonable efforts to minimize any interference with Steuben&rsquo;s
regular business operations during any such access. No investigation by Community shall affect the representations and warranties
of Steuben or the right of Community to rely thereon.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
Party shall, and shall cause its directors, officers, employees and Representatives to, maintain the confidentiality of all confidential
information furnished to it by the other Party concerning its and its Subsidiaries&rsquo; businesses, operations and financial
positions to the extent required by, and in accordance with, the Confidentiality Agreement.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
shall provide Community, no later than fifteen (15) days after the end of each month, a written update on each of its Delinquent
Loans.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.11&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Press
Releases; Publicity</U>. Prior to the Effective Time, each Party shall consult with and obtain the approval (not to be unreasonably
withheld, conditioned or delayed) of the other as to the form and substance of any press release, other public statement or stockholder
communication related to this Agreement and the transactions contemplated hereby prior to issuing such press release, public statement
or stockholder communication or making any other public or stockholder disclosure related thereto; <U>provided</U>, that nothing
in this <U>Section&nbsp;4.11</U> shall be deemed to prohibit any Party from making any disclosure that its counsel deems necessary
or advisable in order to satisfy such Party&rsquo;s disclosure obligations imposed by Law or the NYSE.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.12&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Acquisition
Proposals</U>. (a)&nbsp;&nbsp;Steuben agrees that it will not, and will cause its directors, officers, employees and Representatives
and Affiliates not to, directly or indirectly, (i)&nbsp;initiate, solicit, encourage or knowingly facilitate inquiries or proposals
with respect to, (ii)&nbsp;continue, engage or participate in any negotiations concerning, (iii)&nbsp;provide any confidential
or nonpublic information or data to, or have or participate in any discussions with, any Person (other than Persons who are Affiliates
or Representatives of Steuben or Community) relating to, or (iv) approve, recommend, agree to or accept, any Acquisition Proposal;
<U>provided</U>, that, prior to, but not after, the time the Steuben Shareholder Approval is obtained, if Steuben receives an
unsolicited <I>bona fide </I>Acquisition Proposal after the date of this Agreement that was not received in violation of clauses&nbsp;(i)
 &ndash; (iv) above, and Steuben&rsquo;s Board of Directors concludes in good faith that such Acquisition Proposal constitutes
or is reasonably likely to result in a Superior Proposal, Steuben may, and may permit its officers and Representatives to, furnish
or cause to be furnished nonpublic information or data to and participate in such negotiations or discussions with the Person
making such Acquisition Proposal to the extent that the Board of Directors of Steuben concludes in good faith (after receiving
the advice of its outside counsel and, with respect to financial matters, its financial advisor) that failure to take such actions
would be inconsistent with its fiduciary duties under applicable Law; <U>provided</U><FONT STYLE="font-family: Times New Roman, Times, Serif; font-size: 10pt">&nbsp;<U>further</U>,
</FONT>that prior to providing any nonpublic information permitted to be provided pursuant to the foregoing proviso, Steuben shall
have entered into a confidentiality agreement with such third party on terms no less favorable to it than the Confidentiality
Agreement (an &ldquo;<U>Acceptable Confidentiality Agreement</U>&rdquo;) and shall provide to Community any such information not
previously provided to Community. Notwithstanding anything to the contrary contained in this Agreement, Steuben and its Representatives
may (without any determination by the Board of Directors of Steuben or consultation with outside counsel or its financial advisor)
(x) following receipt of an unsolicited <I>bona fide </I>Acquisition Proposal after the date of this Agreement and prior to the
time the Steuben Shareholder Approval is obtained that was not received in violation of clauses (i) &ndash; (iv) above, contact
such third party solely in order to clarify and understand the terms and conditions of such Acquisition Proposal so as to determine
whether such Acquisition Proposal constitutes or is reasonably likely to result in a Superior Proposal and/or (y) direct any Person
who makes an Acquisition Proposal or who expresses interest to Steuben in making an Acquisition Proposal to this Agreement, including
the provisions of this <U>Section 4.12</U>. Steuben will immediately cease and cause to be terminated any activities, discussions
or negotiations conducted before the date of this Agreement with any Persons other than Community with respect to any Acquisition
Proposal. Steuben shall use its reasonable best efforts, subject to applicable Law, to, within ten (10) Business Days after the
date hereof, request and confirm the return or destruction of any confidential information provided to any Person (other than
Community and its Affiliates and its and their Representatives) pursuant to any existing confidentiality, standstill or similar
agreements to which it or any of its Subsidiaries is a party relating to an Acquisition Proposal and shall withdraw and terminate
any access that was granted to any third party to any &ldquo;data room&rdquo; (electronic or physical) that was established in
connection with a transaction involving Steuben.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
shall promptly, and in any event within twenty four (24) hours of receipt, advise Community in writing in the event Steuben or
any of its directors, employees, officers or Representatives receives (i)&nbsp;any Acquisition Proposal or indication by any Person
that it is considering making an Acquisition Proposal, (ii)&nbsp;any request for information, discussion or negotiation that is
reasonably likely to lead to or that contemplates an Acquisition Proposal or (iii)&nbsp;any inquiry, proposal or offer that is
reasonably likely to lead to an Acquisition Proposal, in each case together with the terms and conditions of such Acquisition Proposal,
request, inquiry, proposal or offer, and shall furnish Community with a copy of such Acquisition Proposal (or, where such Acquisition
Proposal is not in writing, with a description of the material terms and conditions thereof). Steuben shall keep Community informed
(orally and in writing) in all material respects on a timely basis of the status and details (including, within twenty four (24)
hours after the occurrence of any amendment, modification, development, discussion or negotiation) of any such Acquisition Proposal,
request, inquiry, proposal or offer, including furnishing copies of any written inquiries, correspondence and draft documentation,
and written summaries of any material oral inquiries or discussions. Without limiting any of the foregoing, Steuben shall promptly
(and in any event within twenty four (24) hours) notify Community orally and in writing if it determines to begin providing information
or to engage in discussions or negotiations concerning an Acquisition Proposal and shall in no event begin providing such information
or engaging in such discussions or negotiations prior to providing such notice.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Neither
the Board of Directors of Steuben nor any committee thereof shall&nbsp;(i) except as expressly permitted by <U>Section&nbsp;4.5(a)</U>,
(A)&nbsp;withdraw (or modify or qualify in any manner adverse to Community) the approval, recommendation or declaration of advisability
by the Board of Directors of Steuben or any such committee of this Agreement, the Merger, or any of the other transactions contemplated
hereby, (B)&nbsp;adopt, approve, recommend, endorse or otherwise declare advisable the adoption of any Acquisition Proposal, (C)&nbsp;resolve,
agree or propose to take any such actions or (D)&nbsp;submit this Agreement to its shareholders without recommendation (each such
action set forth in this clause&nbsp;(i) being referred to herein as an &ldquo;<U>Adverse Recommendation Change</U>&rdquo;) or
(ii)&nbsp;(A)&nbsp;cause or permit Steuben or any of its Subsidiaries to enter into any letter of intent, memorandum of understanding,
agreement in principle, acquisition agreement, merger agreement, option agreement, joint venture agreement, partnership agreement
or other Contract constituting or relating to, or which is intended to or is reasonably likely to lead to, any Acquisition Proposal
(other than an Acceptable Confidentiality Agreement in accordance with <U>Section 4.12(a)</U>) or (B)&nbsp;resolve, agree or propose
to take any such actions.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
agrees that any breach by its directors, officers, employees, Affiliates or Representatives of this <U>Section&nbsp;4.12</U> shall
be deemed a breach by Steuben.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nothing
contained in this Agreement shall prevent Steuben or its Board of Directors from complying with Rules&nbsp;14d-9 and 14e-2 under
the Exchange Act or Item 1012(a) of Regulation M-A with respect to an Acquisition Proposal or from making any legally required
disclosure to Steuben&rsquo;s shareholders; <U>provided</U>, that such rules will in no way eliminate or modify the effect that
any action pursuant to such rules would otherwise have under this Agreement. Notwithstanding anything to the contrary contained
in this Agreement, a &ldquo;stop, look and listen&rdquo; communication shall not be deemed an Adverse Recommendation Change if
the Board of Directors of Steuben publicly states that the Steuben Directors&rsquo; Recommendation has not changed or refers shareholders
to the Steuben Directors&rsquo; Recommendation.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.13&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Takeover
Laws</U>. None of Steuben, Community or their respective Boards of Directors shall take any action that would cause any Takeover
Law to become applicable to this Agreement, the Merger, or any of the other transactions contemplated hereby, and each shall take
all necessary steps to exempt (or ensure the continued exemption of) the Merger and the other transactions contemplated hereby
from any applicable Takeover Law now or hereafter in effect. If any Takeover Law may become, or may purport to be, applicable
to the transactions contemplated hereby, each Party and the members of their respective Boards of Directors will grant such approvals
and take such actions as are necessary so that the transactions contemplated by this Agreement may be consummated as promptly
as practicable on the terms contemplated hereby and otherwise act to eliminate or minimize the effects of any Takeover Law on
any of the transactions contemplated by this Agreement, including, if necessary, challenging the validity or applicability of
any such Takeover Law.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.14&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Employee
Matters</U>. (a)&nbsp;&nbsp;Except as would result in a duplication of benefits, the current employees of Steuben or any of its
Subsidiaries who continue as employees of Community or its Subsidiaries after the Effective Time (&ldquo;<U>Continuing Employees</U>&rdquo;)
shall be given, subject to applicable Law, credit for past service with Steuben and its Subsidiaries to the extent credited by
Steuben and its Subsidiaries prior to the Effective Time for purposes of determining eligibility for employee benefits under all
employee health and welfare programs maintained by Community or its Subsidiaries in which such Continuing Employees participate
following the Effective Time and for purposes of determining length of vacation, sick time and paid time off under Community&rsquo;s
applicable plan or policy (but not for purposes of eligibility for, vesting under, or accrual with respect to any defined benefit
pension plan, retiree health or welfare plan or equity award or other long-term incentive compensation plans). In addition, under
the welfare plans of Community and its Subsidiaries in which Continuing Employees participate, Community shall use its commercially
reasonable efforts to (i)&nbsp;waive, or cause to be waived, for each participating Continuing Employee, any limitations on benefits
relating to pre-existing conditions to the same extent such limitations are waived under any comparable plan of Steuben or its
Subsidiaries prior to the Effective Time and (ii)&nbsp;recognize for purposes of annual deductible and out-of-pocket limits under
its medical and dental plans, deductible and out-of-pocket expenses paid by each participating Continuing Employee in the calendar
year in which the Effective Time occurs.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event that the employment of any Continuing Employee shall be terminated by Community or one of its Subsidiaries, other than
for Cause, during the Severance Period (as each term is defined in <U>Section 4.14(b)</U> of the Steuben Disclosure Letter), such
Continuing Employee shall be entitled (subject to meeting applicable eligibility and vesting requirements) to receive severance
benefits as set forth in <U>Section 4.14(b)</U> of the Steuben Disclosure Letter.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Effective Time, Steuben shall take, and shall cause its Subsidiaries to take, all actions that may be requested by
Community in writing with respect to (i)&nbsp;causing one or more Steuben Benefit Plans (other than (x) any employment
agreements and severance arrangements with Steuben employees in effect as of the date of this Agreement to the extent such
agreements are set forth on <U>Section 3.2(j)(i)</U> of the Steuben Disclosure Letter and (y) the Deferred Compensation Plans
(<U>provided</U>, <U>however</U>, that the Parties may mutually determine to terminate such plans)) to terminate as of or
following the date immediately preceding the Effective Time or for benefit accruals and entitlements to cease as of or
following the date immediately preceding the Effective Time, (ii)&nbsp;causing the continuation on and after the Effective
Time of any Contract, arrangement or insurance policy relating to any Steuben Benefit Plan for such period as may be
requested by Community, or (iii)&nbsp;cooperating with Community to facilitate the merger of any Steuben Benefit Plan into
any Benefit Plan of Community or its Subsidiaries as of or following the Effective Time. All resolutions, notices, or other
documents issued, adopted or executed in connection with the implementation of this <U>Section&nbsp;4.14(b)</U> shall be
subject to Community&rsquo;s reasonable prior review and approval, which shall not be unreasonably withheld, conditioned or
delayed.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Community
shall honor, each in accordance with its terms, the employment agreements and severance arrangements with Continuing Employees
in effect as of the date of this Agreement to the extent such agreements are set forth on Section&nbsp;3.2(j)(i) of the Steuben
Disclosure Letter, except to the extent that any such agreements or arrangements are superseded or terminated as of or following
the Effective Time.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
the event of any termination of any Steuben Benefit Plan providing employer-provided health coverage or consolidation of any such
plan with any Benefit Plan of Community or any of its Subsidiaries providing employer-provided health coverage within twelve (12)
months after the Effective Time, (i)&nbsp;Community shall, or shall cause its Subsidiaries to, use commercially reasonable efforts
to make available to Continuing Employees and their dependents employer-provided health coverage on the same basis as it provides
such coverage to similarly situated employees of Community and its Subsidiaries and (ii)&nbsp;former employees of Steuben or any
of its Subsidiaries and their qualified beneficiaries will have the right to continued coverage under a group health plan of Community
to the extent required by The Consolidated Omnibus Budget Reconciliation Act of 1985. During the twelve (12) months after the
Effective Time, unless a Continuing Employee causes coverage to terminate under a Steuben Benefit Plan providing employer-provided
health coverage prior to the time that a Continuing Employee becomes eligible to participate in any Benefit Plan of Community
or any of its Subsidiaries providing employer-provided health coverage, neither Community nor any of its Subsidiaries shall terminate
the coverage of any of the Continuing Employees or their dependents as of the Effective Time under any Steuben Benefit Plan providing
employer-provided health coverage prior to the time such Continuing Employees and their dependents become eligible to participate
in a Benefit Plan of Community or any of its Subsidiaries providing employer-provided health coverage.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of and following the Effective Time, Community shall assume the Steuben Amended and Restated Director Deferred Fee Agreements,
the Steuben Split Dollar Agreements and the Steuben Executive Amended and Restated Deferred Compensation Agreements (collectively,
the &ldquo;<U>Deferred Compensation Plans</U>&rdquo;) and shall continue to honor the terms and obligations thereunder (and refrain
from terminating such Deferred Compensation Plans during the one (1)-year period following the Effective Time) unless the Deferred
Compensation Plans are terminated prior to the Effective Time by mutual agreement of the Parties.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;As
of the Effective Time, Community shall implement a stay bonus pool for stay bonus awards to select employees of Steuben and Steuben
Bank on the terms set forth in Section 4.14(g) of the Steuben Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(h)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
provisions of this <U>Section&nbsp;4.14</U> are solely for the benefit of the parties hereto, and no Service Provider or any other
Person shall be regarded for any purpose as a third party beneficiary of this Agreement. Nothing herein, expressed or implied,
shall be construed as an amendment to any Benefit Plan for any purpose or confer upon any Continuing Employee or any other Person
any right to employment or continued employment with any of the parties hereto or any of their Subsidiaries or Affiliates for
any period. Except as expressly provided in <U>Section 4.14(f)</U>, nothing in this <U>Section&nbsp;4.14</U> shall be construed
to limit the right of Community or any of its Subsidiaries (including, following the Effective Time, Steuben and its Subsidiaries)
to amend or terminate any Steuben Benefit Plan or other employee benefit plan, to the extent such amendment or termination is
permitted by the terms of the applicable plan, nor shall anything in this <U>Section&nbsp;4.14</U> be construed to require Community
or any of its Subsidiaries to retain the employment of any particular Continuing Employee for any fixed period of time following
the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.15&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Certain
Policies</U>. Following receipt of all Requisite Regulatory Approvals and adoption of this Agreement at the Steuben Shareholder
Meeting:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
shall, consistent with GAAP and applicable Law and on a basis mutually satisfactory to it and Community, modify and change its
accounting, investment, loan, litigation and real estate valuation policies and practices (including loan classifications, content
and size of investment portfolio, and levels of reserves and accruals) so as to be applied, in all material respects, on a basis
that is consistent with that of Community;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben
and Community shall review the adequacy of reserves for loan losses currently established by Steuben and, if deemed warranted
by both parties under GAAP, Steuben shall make mutually acceptable changes to such reserves; and</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Steuben shall consult with Community with respect to determining the amount and timing of recognizing, for financial accounting
and income Tax reporting purposes, Steuben&rsquo;s expenses incurred in connection with the Merger, the Bank Merger and the transactions
contemplated by this Agreement, and, subject to GAAP and applicable Law, Steuben shall recognize its costs and expenses in connection
with the transactions contemplated hereby at such time or times as are reasonably requested by Community.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.16&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Indemnification</U>.
(a)&nbsp;&nbsp;From and after the Effective Time, Community shall indemnify and hold harmless, to the fullest extent permitted
by applicable Law, each present and former director and officer of Steuben and its Subsidiaries (in each case, when acting in
such capacity) (each, an &ldquo;<U>Indemnified Party</U>&rdquo;) against any costs or expenses (including reasonable attorneys&rsquo;
fees), judgments, settlements effected with the prior written consent of Community (such consent not to be unreasonably withheld,
conditioned or delayed), fines, losses, damages or liabilities incurred in connection with any threatened or actual claim, action,
suit, proceeding or investigation, whether civil, criminal, administrative or investigative, whether arising before or after the
Effective Time (regardless of whether the Indemnified Party is a named party or a participant other than as a named party, including
as a witness), arising in whole or in part out of, or pertaining to, the fact that such person is or was a director or officer
of Steuben or any of its Subsidiaries or is or was serving at the request of Steuben or any of its Subsidiaries as a director,
officer, agent, trustee or fiduciary of another Person (including in any capacity with respect to any employee benefit plan) and
pertaining to matters, acts or omissions existing or occurring at or prior to the Effective Time, including matters, acts or omissions
occurring in connection with the approval of this Agreement and the transactions contemplated by this Agreement; and Community
shall also advance expenses as incurred by such Indemnified Party to the fullest extent permitted by applicable Law within thirty
(30) days after a written request setting forth such expenses in reasonable detail; <U>provided</U> that the Indemnified Party
to whom expenses are advanced provides an undertaking (in a reasonable and customary form) to repay such advances if it is ultimately
determined that such Indemnified Party is not entitled to indemnification. The Indemnified Party shall reasonably cooperate with
Community in the Indemnified Party&rsquo;s defense of any such claim, action, suit, proceeding or investigation.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to applicable Law, for a period of six (6) years after the Effective Time, Community shall cause to be maintained in effect the
current policies of directors&rsquo; and officers&rsquo; liability insurance maintained by Steuben (<U>provided</U>, that Community
may substitute therefor policies with a substantially comparable insurer of at least the same coverage and amounts containing
terms and conditions which are no less advantageous to the insured) with respect to claims against the present and former officers
and directors of Steuben or any of its Subsidiaries arising from facts or events which occurred at or before the Effective Time
(including the transactions contemplated by this Agreement); <U>provided</U>, that Community shall not be obligated to expend,
on an annual basis, an amount in excess of two hundred percent (200%) of the current annual premium paid as of the date hereof
by Steuben for such insurance (the &ldquo;<U>Premium Cap</U>&rdquo;), and if such premiums for such insurance would at any time
exceed the Premium Cap, then Community shall cause to be maintained policies of insurance which, in Community&rsquo;s good faith
determination, provide the maximum coverage available at an annual premium equal to the Premium Cap. In lieu of the foregoing,
Steuben, in consultation with Community, may (and at the request of Community, Steuben shall use its reasonable best efforts to)
obtain at or prior to the Effective Time a six (6) year &ldquo;tail&rdquo; policy providing equivalent coverage to that described
in the preceding sentence if and to the extent that the same may be obtained for an amount that, in the aggregate, does not exceed
the Premium Cap. If Steuben purchases such a &ldquo;tail policy,&rdquo; Community shall maintain such &ldquo;tail&rdquo; policy
in full force and effect and continue to honor its obligations thereunder for such six (6) year period.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to applicable Law, the obligations of Community and Steuben under this <U>Section&nbsp;4.16</U> shall not be terminated or modified
after the Effective Time in a manner so as to adversely affect any Indemnified Party or any other Person entitled to the benefit
of this <U>Section&nbsp;4.16</U> without the prior written consent of the affected Indemnified Party or affected Person (it being
expressly agreed that the Indemnified Parties shall be third-party beneficiaries of this <U>Section 4.16</U>).</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subject
to applicable Law, the provisions of this <U>Section&nbsp;4.16</U> shall survive the Effective Time and are intended to be for
the benefit of, and shall be enforceable by, each Indemnified Party and his or her heirs and Representatives and are in addition
to, and not in substitution for, any other rights to indemnification, advancement, exculpation or contribution that any such individual
may have under the Bylaws of Steuben or its Subsidiaries, or by indemnification agreement, resolution, contract or otherwise.&nbsp;
If Community or any of its successors or assigns will consolidate with or merge into any other entity and not be the continuing
or surviving entity of such consolidation or merger, transfer all or substantially all of its assets or deposits to any other
entity or engage in any similar transaction, then in each case to the extent the obligations set forth in this <U>Section 4.16
</U>are not otherwise transferred and assumed by such successors and assigns by operation of Law or otherwise, Community will
cause proper provision to be made so that the successors and assigns of Community will expressly assume the obligations set forth
in this <U>Section 4.16</U>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.17&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Steuben
Debt</U>. (a) Community will execute and deliver, or cause to be executed and delivered, by or on behalf of Steuben, at or prior
to the Effective Time, any supplements, amendments or other instruments required for the due assumption of Steuben&rsquo;s outstanding
Junior Subordinated Debt Securities due 2037 (the &ldquo;<U>Steuben Debentures</U>&rdquo;) and (to the extent informed of such
requirement by Steuben) other agreements to the extent reasonably required by the terms of the Steuben Debentures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior
to the Effective Time, Steuben shall, and shall cause its Subsidiaries to, take all such actions reasonably requested by Community
or any of its Subsidiaries with respect to the Steuben Debentures (i)&nbsp;to the extent required by the terms of the Steuben
Debentures or under applicable Law to be taken prior to the Effective Time, including without limitation, the giving of any notices
that may be required in connection with the Merger or the Bank Merger, and the delivery of any supplemental indentures, legal
opinions, officers&rsquo; certificates, or other documents or instruments required in connection with the Merger, the Bank Merger
and the respective consummation thereof or (ii)&nbsp;in order to facilitate Community&rsquo;s compliance with the foregoing <U>Section&nbsp;4.17(a)</U>.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Section&nbsp;4.18&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Systems
Integration; Operating Functions</U>. From and after the date hereof, Steuben and Steuben Bank shall and shall cause their directors,
officers and employees to, and shall use commercially reasonable efforts (during normal business hours and without undue disruption
to either business) to cause Steuben Bank&rsquo;s data processing consultants and software providers to, cooperate and assist
Community, upon Community&rsquo;s reasonable request, in connection with an electronic and systems conversion of all applicable
data of Steuben and its Subsidiaries concerning the Loans, deposits and other assets and Liabilities of Steuben and its Subsidiaries
to the Community systems. Such cooperation and assistance shall include the training of Steuben&rsquo;s and its Subsidiaries&rsquo;
employees, during normal business hours, and providing Community and its Subsidiaries with computer file instructions with respect
to the information in its data processing system regarding the assets and Liabilities of Steuben and Steuben Bank, together with
operational procedures designed to implement the transfer of such information to Community and its Subsidiaries, <U>provided</U>
that the confidentiality of customer information shall be preserved and no information shall be transferred until the Effective
Time. Steuben and its Subsidiaries shall cooperate with Community in connection with the planning for the efficient and orderly
combination of the parties and the operation of Community Bank (including the former operations of Steuben Bank) after the Bank
Merger, and in preparing for the consolidation of appropriate operating functions to be effective at the Effective Time or such
later date as Community may decide. Steuben shall, and shall cause its Subsidiaries to, take any action Community may reasonably
request prior to the Effective Time to facilitate the combination of the operations of Steuben Bank with Community Bank upon the
completion of the Merger. After the execution of this Agreement, Steuben and Community shall each designate an individual to serve
as liaison concerning the transfer of data processing information and other similar operational matters. Prior to the Effective
Time, except as disclosed in Section 4.2 of the Steuben Disclosure Letter, Steuben shall not enter into, extend, modify, or terminate
any agreement with a third party vendor providing information technology or data processing services or software to Steuben or
any Subsidiary of Steuben without the prior written consent of Community, which consent shall not be unreasonably withheld or
delayed. Without limiting the foregoing, subject to <U>Section 4.20</U>, senior officers of Steuben and Community shall meet from
time to time as Steuben or Community may reasonably request, to review the financial and operational affairs of Steuben and its
Subsidiaries, and Steuben shall give due consideration to Community&rsquo;s input on such matters.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.19&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dividends</U>.
After the date of this Agreement, each of Community and Steuben shall coordinate with the other the declaration of any dividends
in respect of Community Common Stock and Steuben Common Shares and the record dates and payment dates relating thereto, it being
the intention of the Parties that holders of Steuben Common Shares shall not receive two (2) dividends, or fail to receive one
(1) dividend, in any quarter with respect to their Steuben Common Shares and any shares of Community Common Stock any such holder
receives in exchange therefor in the Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.20&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Control of Other Party&rsquo;s Business</U>. Nothing contained in this Agreement shall give Community, directly or indirectly,
the right to control or direct the operations of Steuben or its Subsidiaries prior to the Effective Time, and nothing contained
in this Agreement shall give Steuben, directly or indirectly, the right to control or direct the operations of Community or its
Subsidiaries prior to the Effective Time. Prior to the Effective Time, Community and Steuben shall exercise, consistent with the
terms and conditions of this Agreement, complete control and supervision of its and its Subsidiaries&rsquo; respective operations.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;4.21&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination
of Steuben Dividend Reinvestment Plan</U>. Steuben shall take such action as is necessary to (i) provide that as of no later than
five (5) Business Days prior to the Effective Time no further Steuben Common Shares will be purchased under the Steuben Dividend
Reinvestment Investment Plan and (ii) to terminate the Steuben Dividend Reinvestment Plan prior to the Effective Time in accordance
with the Steuben Dividend Reinvestment Plan, and ensure that no purchase or other rights under the Steuben Dividend Reinvestment
Plan enable the holder of such rights to acquire any interest in Steuben as a result of such purchase or the exercise of such
rights at or after the Effective Time.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>Article&nbsp;5<BR>
<BR>
CONDITIONS PRECEDENT TO OBLIGATIONS TO CONSUMMATE</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><FONT STYLE="text-transform: uppercase"><B>&nbsp;</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">Section&nbsp;5.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Each Party</U>. The respective obligations of each Party to consummate the Merger and the other transactions
contemplated hereby are subject to the satisfaction of the following conditions, unless waived by each Party pursuant to <U>Section&nbsp;7.6</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Shareholder
Approval</U>. Steuben shall have obtained the Steuben Shareholder Approval.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Regulatory
Approvals</U>. (i)&nbsp;All Requisite Regulatory Approvals shall have been obtained or made and be in full force and effect and
all waiting periods required by Law shall have expired, and (ii)&nbsp;solely insofar as this condition relates to the obligations
of Community, no such Requisite Regulatory Approval shall impose or contain any Materially Burdensome Regulatory Condition.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>No
Orders or Restraints; Illegality</U>. No Order issued by any Governmental Authority (whether temporary, preliminary, or permanent)
preventing the consummation of the Merger or the Bank Merger shall be in effect and no Law or Order shall have been enacted, entered,
promulgated or enforced by any Governmental Authority that prohibits, restrains or makes illegal the consummation of the Merger
or the Bank Merger.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Registration
Statement</U>. The Registration Statement shall be effective under the Securities Act, no stop orders suspending the effectiveness
of the Registration Statement shall have been issued, and no action, suit, proceeding, or investigation by the SEC to suspend
the effectiveness thereof shall have been initiated and be continuing.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Listing
of Community Common Stock</U>. The shares of Community Common Stock to be issued pursuant to this Agreement shall have been approved
for listing on the NYSE, subject to official notice of issuance.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">Section&nbsp;5.2&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Community</U>. The obligations of Community to consummate the Merger and the other transactions contemplated
hereby are subject to the satisfaction of the following conditions, unless waived by Community pursuant to <U>Section&nbsp;7.6</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. The representations and warranties of Steuben set forth in this Agreement shall be true and correct as of
the date of this Agreement and as of the Effective Time as though made at and as of the Effective Time (except that representations
and warranties that by their terms speak specifically as of the date of this Agreement or some other date shall be true and correct
as of such date); <U>provided</U>, <U>however</U>, that no representation or warranty of Steuben (other than the representations
and warranties set forth in (i)&nbsp;<U>Section&nbsp;3.2(c)</U>, which shall be true and correct except to a <I>de minimis</I>
extent (relative to <U>Section&nbsp;3.2(c)</U> taken as a whole) and <U>Section 3.2(e)(C)</U>, which shall be true and correct
in all respects, and (ii)&nbsp;<U>Sections&nbsp;3.2(a)</U>, <U>3.2(b)(i)</U>, <U>3.2(b)(ii)</U>, <U>3.2(b)(iii)</U>, <U>3.2(b)(iv)</U>,
<U>3.2(b)(v)(A)</U>, <U>3.2(t)</U>, <U>3.2(u)</U>, <U>3.2(y)</U>, <U>3.2(z)</U> and <U>3.2(dd)</U>, which shall be true and correct
in all material respects) shall be deemed untrue and incorrect for purposes hereunder as a consequence of the existence of any
fact, event, change, circumstance or effect inconsistent with such representation or warranty, unless such fact, event, change,
circumstance or effect, individually or taken together with all other facts, events, changes, circumstances or effects inconsistent
with any representation or warranty of Steuben, has had or would reasonably be expected to have a Material Adverse Effect on Steuben;
provided, further, that for purposes of determining whether a representation or warranty is true and correct for purposes of this
<U>Section&nbsp;5.2(a)</U>, any qualification or exception for, or reference to, materiality (including the terms &ldquo;material,&rdquo;
 &ldquo;materially,&rdquo; &ldquo;in all material respects,&rdquo; &ldquo;Material Adverse Effect&rdquo; or similar terms or phrases)
in any such representation or warranty shall be disregarded; and Community shall have received a certificate, dated the Closing
Date, signed on behalf of Steuben by the chief executive officer and any executive vice president of Steuben, to such effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance
of Agreements and Covenants</U>. Each and all of the agreements and covenants of Steuben to be performed and complied with pursuant
to this Agreement prior to the Effective Time shall have been duly performed and complied with in all material respects and Community
shall have received a certificate, dated the Closing Date, signed on behalf of Steuben by the chief executive officer and any
executive vice president of Steuben, to such effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Consents</U>.
Steuben shall have obtained all Consents required as a result of the transactions contemplated by this Agreement pursuant to the
Contracts set forth in Section&nbsp;3.2(b) and Section&nbsp;3.2(k) of the Steuben Disclosure Letter.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Material
Adverse Effect</U>. Since the date hereof, there shall not have occurred any fact, event, change, circumstance or effect, individually
or taken together with all other facts, events, changes, circumstances or effects, that has had or would reasonably be expected
to have a Material Adverse Effect on Steuben.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(e)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Opinion</U>. Community shall have received a written opinion from Cadwalader, Wickersham &amp; Taft LLP in form and substance
reasonably satisfactory to Community, dated as of the Closing Date, substantially to the effect that the Merger will qualify as
a &ldquo;reorganization&rdquo; within the meaning of Section&nbsp;368(a) of the Code. In rendering such opinion, counsel may rely
upon customary representations contained in certificates of officers of Community and Steuben reasonably satisfactory in form
and substance to such counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(f)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Dissenting
Shares</U>. Dissenting shares shall represent not more than ten percent (10%) of the outstanding shares of Steuben Common Stock.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(g)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Systems
Conversion</U>. The electronic and systems conversion of all applicable data of Steuben and its Subsidiaries concerning the Loans,
deposits and other assets and Liabilities of Steuben and its Subsidiaries to the Community systems shall be scheduled to occur
and be prepared for completion, in each case not later than the opening of business on the first Business Day following the Closing
Date.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Section&nbsp;5.3&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Conditions
to Obligations of Steuben</U>. The obligations of Steuben to consummate the Merger and the other transactions contemplated hereby
are subject to the satisfaction of the following conditions, unless waived by Steuben pursuant to <U>Section&nbsp;7.6</U>:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Representations
and Warranties</U>. The representations and warranties of Community set forth in this Agreement shall be true and correct as of
the date of this Agreement and as of the Effective Time as though made at and as of the Effective Time (except that representations
and warranties that by their terms speak specifically as of the date of this Agreement or some other date shall be true and correct
as of such date); <U>provided</U>, <U>however</U>, that no representation or warranty of Community (other than the representations
and warranties set forth in (i) <U>Section 3.3(g)(B)</U>, which shall be true and correct in all respects, and (ii) <U>Sections
3.3(a)</U>, <U>3.3(b)(i)</U>, <U>3.3(b)(ii)</U>, <U>3.3(b)(iii)(A)</U>, <U>3.3(c)</U>, <U>3.3(i)</U> and <U>3.3(k)</U> (collectively,
the &ldquo;<U>Community Fundamental Representations</U>&rdquo;) which shall be true in all material respects) shall be deemed
untrue or incorrect for purposes hereunder as a consequence of the existence of any fact, event, change, circumstance or effect
inconsistent with such representation or warranty, unless such fact, event, change, circumstance or effect, individually or taken
together with all other facts, events, changes, circumstances or effects inconsistent with any representation or warranty of Community,
has had or would reasonably be expected to have a Material Adverse Effect on Community; <U>provided</U>, <U>further</U>, that
for purposes of determining whether a representation or warranty (other than a Community Fundamental Representation) is true and
correct for purposes of this <U>Section&nbsp;5.3(a)</U>, any qualification or exception for, or reference to, materiality (including
the terms &ldquo;material,&rdquo; &ldquo;materially,&rdquo; &ldquo;in all material respects,&rdquo; &ldquo;Material Adverse Effect&rdquo;
or similar terms or phrases) in any such representation or warranty shall be disregarded; and Steuben shall have received a certificate,
dated the Closing Date, signed on behalf of Community by the chief executive officer or any executive vice president of Community,
to such effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Performance
of Agreements and Covenants</U>. Each and all of the agreements and covenants of Community to be performed and complied with pursuant
to this Agreement prior to the Effective Time shall have been duly performed and complied with in all material respects and Steuben
shall have received a certificate, dated the Closing Date, signed on behalf of Community by the chief executive officer or any
executive vice president of Community, to such effect.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 1in">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Material
Adverse Effect</U>. Since the date hereof, there shall not have occurred any fact, event, change, circumstance or effect, individually
or taken together with all other facts, events, changes, circumstances or effects, that has had or would reasonably be expected
to have a Material Adverse Effect on Community.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(d)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Tax
Opinion</U>. Steuben shall have received a written opinion from Pillar+Aught in form and substance reasonably satisfactory to
Steuben, dated as of the Closing Date, substantially to the effect that the Merger will qualify as a &ldquo;reorganization&rdquo;
within the meaning of Section&nbsp;368(a) of the Code. In rendering such opinion, counsel may rely upon customary representations
contained in certificates of officers of Community and Steuben reasonably satisfactory in form and substance to such counsel.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; text-transform: uppercase; margin-top: 0pt; text-align: center; margin-bottom: 0pt"><B>Article&nbsp;6<BR>
<BR>
TERMINATION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">Section&nbsp;6.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U>Termination</U>.
Notwithstanding any other provision of this Agreement, and notwithstanding the Steuben Shareholder Approval, this Agreement may
be terminated and the Merger abandoned at any time prior to the Effective Time:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By mutual written consent of Steuben and Community;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1in; text-align: justify">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;By
either Community or Steuben (<U>provided</U>, that the terminating Party is not then in material breach of any representation,
warranty, covenant or other agreement contained herein) if there shall have been a breach of any of the covenants or agreements
or any of the representations or warranties (or any such representation or warranty shall cease to be true) set forth in this
Agreement on the part of Steuben, in the case of a termination by Community, or Community, in the case of a termination by Steuben,
which breach or failure to be true, either individually or in the aggregate with all the other breaches by such Party (or failures
of representations or warranties to be true), would constitute, if occurring or continuing on the Closing Date, the failure of
a condition set forth in <U>Section&nbsp;5.2</U>, in the case of a termination by Community, or <U>Section&nbsp;5.3</U>, in the
case of a termination by Steuben, and which is not cured within thirty (30) days following written notice to Steuben, in the case
of a termination by Community, or Community, in the case of a termination by Steuben, or by its nature or timing cannot be cured
during such period (or such fewer days as remain prior to the Expiration Date);</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>By either Community or Steuben in the event that the Steuben Shareholder Approval has not been obtained by reason of the
failure to obtain the required vote at the Steuben Shareholder Meeting; <U>provided</U> that Steuben may not terminate this Agreement
under this <U>Section&nbsp;6.1(c)</U> if it has not complied in all material respects with its obligations under <U>Section&nbsp;4.5
</U>(including by complying with any adjournment or postponement obligations under <U>Section&nbsp;4.5</U>);</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>By either Community or Steuben in the event that a court of competent jurisdiction or other Governmental Authority shall
have issued any Order restraining, enjoining or otherwise prohibiting the Merger or the Bank Merger and such Order shall have
become final and nonappealable;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(e)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>By
either Community or Steuben in the event that the Merger has not been consummated by 5:00 p.m., New York City time, on the first
(1<SUP>st</SUP>) anniversary of the date of this Agreement (the &ldquo;<U>Expiration Date</U>&rdquo;), <U>provided</U> that the
failure to consummate the transactions contemplated hereby on or before such date is not caused by any breach of this Agreement
by the Party electing to terminate pursuant to this <U>Section&nbsp;6.1(e)</U>;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(f)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>By Community in the event that Community or any of its Affiliates: (i) receives written notice from a Governmental Authority
that it has finally determined not to grant (or has rescinded or revoked if previously approved) any Requisite Regulatory Approval;
or (ii) receives written notice from a Governmental Authority that it has finally determined not to grant such Requisite Regulatory
Approval without imposing a Materially Burdensome Regulatory Condition;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(g)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>By Community in the event that (i)&nbsp;the Steuben Board of Directors or any committee thereof effects an Adverse Recommendation
Change (it being understood that any written notice by Steuben to Community of Steuben&rsquo;s intention to make an Adverse Recommendation
Change pursuant to <U>Section 4.5</U> in advance of making an Adverse Recommendation Change shall not result in Community having
any termination rights pursuant to this <U>Section 6.1(g)</U>), (ii)&nbsp;Steuben has failed to substantially comply with its
obligations under <U>Section&nbsp;4.5</U> or <U>4.12</U>, (iii)&nbsp;a tender offer or exchange offer for fifteen percent (15%)
or more of the outstanding Steuben Common Shares is commenced and Steuben shall not have sent to its shareholders, within ten
(10) Business Days after the commencement of such tender or exchange offer, a statement that the Board of Directors of Steuben
recommends rejection of such tender or exchange offer, or (iv)&nbsp;an Acquisition Proposal (other than a tender or exchange offer
covered by clause&nbsp;(iii)&nbsp;of this <U>Section&nbsp;6.1(g)</U>) with respect to Steuben is publicly announced and, upon
Community&rsquo;s request, Steuben fails to issue a press release announcing its opposition to such Acquisition Proposal and reaffirming
the Steuben Directors&rsquo; Recommendation within five (5) Business Days after such request; or</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(h)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>By Steuben, if the Steuben Board of Directors so determines by a majority vote of the members of the entire Steuben Board
of Directors, at any time during the five (5)-day period commencing on the Determination Date, if and only if both of the following
conditions are satisfied:</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt">(i)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(A)&nbsp;The Community Market Value is less than (B)&nbsp;the Initial Community Market Value <I>multiplied by</I> 0.80;
and</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt"></P>

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<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt">(ii)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(A)&nbsp;The number obtained by dividing the Community Market Value by the Initial Community Market Value (the &ldquo;<U>Community
Ratio</U>&rdquo;) is less than (B)&nbsp;the number obtained by dividing the Final Index Price by the Initial Index Price and subtracting
0.20 from such quotient (such number, the &ldquo;<U>Index Ratio</U>&rdquo;);</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 40.5pt">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">subject, however, to the following three
(3) sentences.&nbsp; If Steuben elects to exercise its termination right pursuant to this <U>Section 6.1(h)</U>, it shall give
prompt written notice thereof to Community, but in any event not later than the end of the five (5) day period referred to above.&nbsp;
During the five (5) Business Day period commencing with its receipt of such notice, Community shall have the option of increasing
the Per Share Stock Consideration to equal the lesser of (A)&nbsp;a quotient (rounded to the nearest one-ten-thousandth), the
numerator of which is equal to the product of the Per Share Stock Consideration (as then in effect) and the Index Ratio, and the
denominator of which is equal to the Community Ratio, or (B)&nbsp;a quotient (rounded to the nearest one-ten-thousandth), the
numerator of which is equal to the product of the Per Share Stock Consideration (as then in effect), the Initial Community Market
Value and 0.80, and the denominator of which is the Community Market Value.&nbsp;If within such five (5) Business Day period,
Community delivers written notice to Steuben that it intends to proceed with the Merger by paying such additional consideration
as contemplated by the preceding sentence, then no termination shall have occurred pursuant to this <U>Section 6.1(h)</U>, and
this Agreement shall remain in full force and effect in accordance with its terms (except that the Per Share Stock Consideration
shall have been so modified).</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">For purposes of this <U>Section 6.1(h)</U>, the following
terms shall have the meanings indicated below:</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&ldquo;<U>Community Market Value</U>&rdquo; means the volume-weighted
average trading price of the Community Common Stock on the NYSE for the thirty (30) trading day period ending on and including
the third (3<FONT STYLE="font-size: 10pt">rd</FONT>) trading day immediately preceding the Determination Date.</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&ldquo;<U>Determination Date</U>&rdquo; means the later
of (i)&nbsp;the date on which the last Requisite Regulatory Approval is obtained without regard to any requisite waiting period
or (ii)&nbsp;the date on which the Steuben Stockholder Approval is obtained.</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&ldquo;<U>Final Index Price</U>&rdquo; means the average
closing price of the Index for the same trading days used in calculating the Community Market Value.</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">&ldquo;<U>Index</U>&rdquo; means the
KBW Nasdaq Regional Banking Index or, if such Index is not available, such substitute or similar Index as substantially replicates
the KBW Nasdaq Regional Banking Index.</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&ldquo;<U>Initial Community Market Value</U>&rdquo; means
$62.58.</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify">&ldquo;<U>Initial Index Price</U>&rdquo; means $98.02.</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in"></P>

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<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1in; font-size: 10pt; text-align: justify; text-indent: 0in">If Community or any company belonging
to the Index declares or effects a stock dividend, reclassification, recapitalization, split-up, combination, exchange of shares
or similar transaction between the date of this Agreement and the Determination Date, the prices for the common stock of such
company shall be appropriately adjusted for the purposes of applying this <U>Section 6.1(h)</U>.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">The Party desiring to terminate this Agreement
pursuant to clause&nbsp;(b), (c), (d), (e), (f), (g) or (h) of this <U>Section&nbsp;6.1</U> shall give written notice of such
termination to the other Party in accordance with <U>Section&nbsp;7.8</U>, specifying the provision or provisions hereof pursuant
to which such termination is effected.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;6.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Termination Fee</U>. (a)&nbsp;&nbsp;In the event that (i)&nbsp;(A)&nbsp;either Party terminates this Agreement pursuant
to <U>Section&nbsp;6.1(c)</U> or <U>6.1(e)</U>, or (B)&nbsp;Community terminates this Agreement pursuant to <U>Section&nbsp;6.1(b)</U>,
(ii)&nbsp;prior to the event giving rise to the right to terminate this Agreement, an Acquisition Proposal shall have been made
known to Steuben or any of its Subsidiaries or shall have been made directly to Steuben&rsquo;s shareholders generally or any
Person shall have publicly announced, or disclosed to Steuben&rsquo;s Board of Directors or senior management, an intention (whether
or not conditional) to make an Acquisition Proposal, and (iii)&nbsp;within twelve (12) months following such termination an Acquisition
Proposal is consummated or a definitive agreement is entered into by Steuben with respect to an Acquisition Proposal, Steuben
shall pay to Community, by wire transfer of immediately available funds, an amount equal to $4,270,000 (the &ldquo;<U>Termination
Fee</U>&rdquo;) on the date of the earliest to occur of the events described in clause&nbsp;(iii) above; provided that for purposes
of this <U>Section 6.2(a)</U>, all references in the definition of &ldquo;Acquisition Proposal&rdquo; to fifteen percent (15%)
shall be to fifty percent (50%).</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>In the event that Community terminates this Agreement pursuant to <U>Section&nbsp;6.1(g)</U>, Steuben shall pay to Community,
by wire transfer of immediately available funds, the Termination Fee within two (2) Business Days after the date this Agreement
is terminated.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Steuben hereby acknowledges that the agreements contained in this <U>Section&nbsp;6.2</U> are an integral part of the transactions
contemplated by this Agreement and that, without these agreements, Community would not enter into this Agreement. In the event
that Steuben fails to pay if and when due any amount payable under this <U>Section&nbsp;6.2</U>, then (i)&nbsp;Steuben shall reimburse
Community for all costs and expenses (including disbursements and reasonable fees of counsel) incurred in connection with the
collection of such overdue amount, and (ii)&nbsp;Steuben shall pay to Community interest on such overdue amount (for the period
commencing as of the date such overdue amount was originally required to be paid and ending on the date such overdue amount is
actually paid in full) at a rate per annum equal to the &ldquo;prime rate&rdquo; (as published in the &ldquo;Money Rates&rdquo;
column in <I>The Wall Street Journal</I> or, if not published therein, in another national financial publication selected by Community)
in effect on the date such overdue amount was originally required to be paid.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(d)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The payment of the Termination Fee in the circumstances in which it is payable shall fully discharge Steuben from and be
the sole and exclusive remedy of Community with respect to any and all losses that may be suffered by Community based upon, resulting
from or arising out of the circumstances giving rise to termination of this Agreement. In no event shall Steuben be required to
pay the Termination Fee on more than one occasion.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;6.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Effect of Termination</U>. In the event of the termination and abandonment of this Agreement pursuant to <U>Section&nbsp;6.1</U>,
this Agreement shall become void and have no effect, and none of Community, Steuben, any of their respective Subsidiaries, or
any of the officers or directors of any of them, shall have any Liability of any nature whatsoever hereunder or in conjunction
with the transactions contemplated hereby, except that (i)&nbsp;the provisions of <U>Section&nbsp;4.10(b)</U>, <U>Article&nbsp;6
</U>and <U>Article&nbsp;7</U> shall survive any such termination and abandonment, and (ii)&nbsp;except as set forth in <U>Section
6.2(d)</U>, a termination of this Agreement shall not relieve the breaching Party from Liability for an uncured willful breach
of a representation, warranty, covenant or agreement of such Party contained in this Agreement.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; font-weight: bold; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; font-weight: bold; text-transform: uppercase; text-align: center; text-indent: 0in">Article&nbsp;7</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; font-weight: bold; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; font-weight: bold; text-transform: uppercase; text-align: center; text-indent: 0in">MISCELLANEOUS</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; font-weight: bold; text-transform: uppercase; text-align: center; text-indent: 0in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.1<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Definitions</U>. (a)&nbsp;&nbsp;Except as otherwise provided herein, the capitalized terms set forth below shall have
the following meanings:</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Acquisition Proposal</U>&rdquo; shall
mean, other than the transactions contemplated by this Agreement, any offer, proposal or inquiry relating to, or any third party
indication of interest in, (i)&nbsp;any acquisition or purchase, direct or indirect, of fifteen percent (15%) or more of the consolidated
assets of Steuben and its Subsidiaries or fifteen percent (15%) or more of any class of equity or voting securities of Steuben
or any of its Subsidiaries whose assets, individually or in the aggregate, constitute more than fifteen percent (15%) of the consolidated
assets of Steuben, (ii)&nbsp;any tender offer (including a self-tender offer) or exchange offer that, if consummated, would result
in a third party beneficially owning fifteen percent (15%) or more of any class of equity or voting securities of Steuben or any
of its Subsidiaries whose assets, individually or in the aggregate, constitute more than fifteen percent (15%) of the consolidated
assets of Steuben, or (iii)&nbsp;any merger, consolidation, share exchange, business combination, reorganization, recapitalization,
liquidation, dissolution or other similar transaction involving Steuben or any of its Subsidiaries whose assets, individually
or in the aggregate, constitute more than fifteen percent (15%) of the consolidated assets of Steuben.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Affiliate</U>&rdquo; of a Person shall
mean any other Person directly, or indirectly through one or more intermediaries, controlling, controlled by or under common control
with such Person. For purposes of this definition, &ldquo;control&rdquo; (and its derivatives) shall mean the possession, directly
or indirectly, of the power to direct or cause the direction of the management and policies of a Person, whether through ownership
of equity, voting or other interests, as trustee or executor, by Contract or otherwise.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Average Closing Price</U>&rdquo; shall
mean the average closing price of Community Common Stock, as recorded on the NYSE, during the thirty (30) trading day period ending
on the trading day immediately preceding the date upon which the Effective Time occurs.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Benefit Plan</U>&rdquo; shall mean
any &ldquo;employee benefit plan&rdquo; (as that term is defined in Section&nbsp;3(3) of ERISA), including any plan that is a
 &ldquo;multiemployer plan&rdquo; as defined in Section&nbsp;3(37) of ERISA, and any other employee benefit plan, policy, or agreement,
whether or not covered by ERISA, and any pension, retirement, profit-sharing, deferred compensation, equity compensation, employment,
stock purchase, gross-up, retention, incentive compensation, collective bargaining agreement, employee stock ownership, severance,
change in control, vacation, bonus, or deferred compensation plan, policy, or arrangement, any medical, vision, dental, or other
written health plan, any life insurance plan, fringe benefit plan, and any other employee program or agreement, whether formal
or informal or written or oral.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>BHC Act</U>&rdquo; shall mean the Bank
Holding Company Act of 1956, as amended, and rules and regulations thereunder.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Business Day</U>&rdquo; shall mean
any day that the NYSE is normally open for trading for a full day and that is not a Saturday, a Sunday or a day on which banks
in New York, New York are authorized or required to close for regular banking business.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Code</U>&rdquo; shall mean the Internal
Revenue Code of 1986, as amended, any successor statute thereto, and the rules and regulations thereunder.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Community Common Stock</U>&rdquo; or
 &ldquo;<U>Community Shares</U>&rdquo; shall mean the $1.00 par value per share common stock of Community.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Confidentiality Agreement</U>&rdquo;
shall mean that certain Confidentiality Agreement, dated August 16, 2019, by and among Community, Community Bank, Steuben and
Steuben Bank.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Consent</U>&rdquo; shall mean any filing,
notice, registration, consent, approval, authorization, clearance, exemption, waiver, or similar affirmation with, to or by any
Person pursuant to any Contract, Law, Order or Permit.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Contract</U>&rdquo; shall mean any
written or oral agreement, arrangement, commitment, contract, indenture, instrument, lease, understanding, note, bond, license,
mortgage, deed of trust or undertaking of any kind or character to which any Person is a party or that is binding on any Person
or its capital stock, assets, or business.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Default</U>&rdquo; shall mean (i)&nbsp;any
breach or violation of or default under any Contract, Law, Order or Permit, (ii)&nbsp;any occurrence of any event that with the
passage of time or the giving of notice or both would constitute a breach or violation of or default under any Contract, Law,
Order or Permit, or (iii)&nbsp;any occurrence of any event that with or without the passage of time or the giving of notice or
both would give rise to a right to terminate or revoke, change the current terms of, or renegotiate, or to accelerate, increase,
or impose any Liability under, any Contract, Law, Order or Permit.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Environmental Laws</U>&rdquo; shall
mean all Laws relating to pollution or protection of human health or the environment (including ambient air, surface water, ground
water, land surface, or subsurface strata) and which are administered, interpreted, or enforced by the United States Environmental
Protection Agency and state and local agencies with jurisdiction over, and including common Law in respect of, pollution or protection
of the environment, including the Comprehensive Environmental Response, Compensation and Liability Act, as amended, the Resource
Conservation and Recovery Act, as amended, and other Laws relating to emissions, discharges, releases, or threatened releases
of any Hazardous Material, or otherwise relating to the manufacture, processing, distribution, use, treatment, storage, disposal,
transport, or handling of any Hazardous Material, including all requirements for Permits, licenses and other authorizations that
may be required.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>ERISA Affiliate</U>&rdquo; of any Person
means any entity that is, or at any relevant time was, treated as a single employer with such Person under Section&nbsp;414 of
the Code.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Exchange Act</U>&rdquo; shall mean
the Securities Exchange Act of 1934, as amended, and the rules and regulations thereunder.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Facilities</U>&rdquo; shall mean all
buildings and improvements on the property of any Person.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>FDIC</U>&rdquo; shall mean the Federal
Deposit Insurance Corporation.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Federal Reserve Board</U>&rdquo; shall
mean the Board of Governors of the Federal Reserve System (including any Federal Reserve Bank).</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>FINRA</U>&rdquo; shall mean the Financial
Industry Regulatory Authority.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>GAAP</U>&rdquo; shall mean accounting
principles generally accepted in the United States of America, consistently applied during the periods involved.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Governmental Authority</U>&rdquo; shall
mean each Regulatory Authority and any other domestic or foreign court, arbitrator or arbitration panel, administrative agency,
commission or other governmental authority or instrumentality (including the staff thereof), or any industry self-regulatory authority
(including the staff thereof).</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Hazardous Material</U>&rdquo; shall
mean (i)&nbsp;any hazardous substance, hazardous material, hazardous waste, regulated substance, or toxic substance (as those
terms are defined by any applicable Environmental Laws), and (ii)&nbsp;any chemicals, pollutants, contaminants, petroleum, petroleum
products that are or become regulated under any applicable local, state, or federal Law (and specifically shall include asbestos
requiring abatement, removal, or encapsulation pursuant to the requirements of governmental authorities and any polychlorinated
biphenyls).</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Intellectual Property</U>&rdquo; shall
mean (i)&nbsp;any patents, copyrights, trademarks, service marks, maskworks or similar rights throughout the world, and applications
or registrations for any of the foregoing, (ii)&nbsp;any proprietary interest, whether registered or unregistered, in know-how,
copyrights, trade secrets, database rights, data in databases, website content, inventions, invention disclosures or applications,
software (including source and object code), operating and manufacturing procedures, designs, specifications and the like, (iii)&nbsp;any
proprietary interest in any similar intangible asset of a technical, scientific or creative nature, including slogans, logos and
the like and (iv)&nbsp;any proprietary interest in or to any documents or other tangible media containing any of the foregoing.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Intervening Event</U>&rdquo; shall
mean any material event or development or material change in circumstances with respect to Steuben and its Subsidiaries, taken
as a whole, that (i)&nbsp;arises or occurs after the date of this Agreement and was neither known by nor reasonably foreseeable
to the Steuben Board of Directors as of or prior to the date hereof and (ii)&nbsp;does not relate to (A)&nbsp;any Acquisition
Proposal or (B)&nbsp;any Requisite Regulatory Approval.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Knowledge</U>&rdquo; shall mean (i)&nbsp;with
respect to Steuben, the knowledge of the individuals listed in Section&nbsp;7.1 of the Steuben Disclosure Letter, after reasonable
inquiry, and (ii)&nbsp;with respect to Community, the knowledge of the individuals listed in Section&nbsp;7.1 of the Community
Disclosure Letter, after reasonable inquiry.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Law</U>&rdquo; shall mean any code,
law (including any rule of common law), ordinance, regulation, rule, or statute applicable to a Person or its assets, Liabilities,
or business, including those promulgated, interpreted, or enforced by any Governmental Authority.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Liability</U>&rdquo; shall mean any
direct or indirect, primary or secondary, liability, indebtedness, obligation, penalty, cost, or expense (including costs of investigation,
collection, and defense), claim, deficiency, or guaranty of any type, whether accrued, absolute or contingent, liquidated or unliquidated,
matured or unmatured, or otherwise.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Lien</U>&rdquo; shall mean any mortgage,
pledge, claim, reservation, restriction (other than a restriction on transfers arising under the Securities Laws), security interest,
lien, or encumbrance of any nature whatsoever of, on, or with respect to any property or property interest, other than Liens for
property Taxes not yet due and payable.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Litigation</U>&rdquo; shall mean any
action, arbitration, cause of action, claim, complaint, criminal prosecution, demand letter, governmental or other examination
or investigation, hearing, inquiry, administrative or other proceeding, or notice (written or oral) by any Person alleging potential
Liability, but shall not include claims of entitlement under any Benefit Plans that are made or received in the ordinary course
of business.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"><U>Material Adverse Effect</U>&rdquo; on Steuben
or Community, as the case may be, shall mean a material adverse effect on (i)&nbsp;the condition (financial or otherwise), property,
business, assets (tangible or intangible), liabilities or results of operations of such Party and its Subsidiaries taken as a
whole or (ii)&nbsp;the ability of such Party and its Subsidiaries to perform their obligations under this Agreement or to timely
consummate the Merger, the Bank Merger or the other transactions contemplated by this Agreement; <U>provided</U><I>, </I><U>however</U>,
that &ldquo;<U>Material Adverse Effect</U>&rdquo; shall not be deemed to include for purposes of (i)&nbsp;above, (A)&nbsp;changes
after the date of this Agreement in GAAP or regulatory accounting requirements generally applicable to banks and their holding
companies, (B)&nbsp;changes after the date of this Agreement in Laws or interpretations of Laws by Governmental Authorities of
general applicability to banks and their holding companies, (C)&nbsp;changes after the date of this Agreement in general economic
or market conditions in the United States or any state or territory thereof, in each case generally affecting banks and their
holding companies, (D)&nbsp;changes after the date of this Agreement in market interest rates, (E) changes resulting from the
announcement or pendency of the Merger or the other transactions contemplated hereby (including the impact thereof on relationships
with customers, Service Providers or partners) or actions or inactions expressly required by this Agreement, or (F)&nbsp;any failure
to meet internal projections or forecasts or estimates of revenues or earnings for any period, or any decline in the trading price
of such Party&rsquo;s common stock (it being understood that the circumstances giving rise to such failure or decline that are
not otherwise excluded from the definition of Material Adverse Effect may be taken into account in determining whether there has
been a Material Adverse Effect), except with respect to clauses&nbsp;(A), (B), (C) and (D) to the extent that the effects of such
changes are disproportionately adverse to the condition (financial or otherwise), property, business, assets (tangible or intangible),
liabilities or results of operations of such Party and its Subsidiaries taken as a whole, as compared to other banks and their
holding companies.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>New York Superintendent</U>&rdquo;
shall mean the Superintendent of the Department of Financial Services of the State of New York.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>NYSE</U>&rdquo; shall mean the New
York Stock Exchange.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>OCC</U>&rdquo; shall mean the Office
of the Comptroller of the Currency.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Order</U>&rdquo; shall mean any administrative
decision or award, decree, injunction, judgment, order, quasi-judicial decision or award, ruling, or writ of any federal, state,
local, or foreign or other court, arbitrator, mediator, tribunal, administrative agency, or other Governmental Authority.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Organizational Documents</U>&rdquo;
shall mean the articles of incorporation, certificate of incorporation, charter, bylaws or other similar governing instruments,
in each case as amended as of the date specified, of any Person.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Party</U>&rdquo; shall mean Community,
on the one hand, or Steuben, on the other hand, and &ldquo;<U>Parties</U>&rdquo; shall mean Community and Steuben.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Permit</U>&rdquo; shall mean any federal,
state, local, and foreign governmental approval, authorization, certificate, easement, filing, franchise, license, or permit from
Governmental Authorities that are required for the operation of the businesses of a Person or its Subsidiaries.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Person</U>&rdquo; shall mean any natural
person or any legal, commercial, or governmental entity, including a corporation, general partnership, joint venture, limited
partnership, limited liability company, trust, business association, or person acting in a representative capacity, as well as
any syndicate or group that would be deemed to be a person under Section&nbsp;13(d)(3) of the Exchange Act.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Proxy Statement</U>&rdquo; shall mean
the proxy statement relating to the Steuben Shareholder Meeting (including any amendments or supplements thereto).</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Registration Statement</U>&rdquo; shall
mean the Registration Statement on Form S-4, or other appropriate form, including any pre-effective or post-effective amendments
or supplements thereto, filed with the SEC by Community under the Securities Act with respect to the shares of Community Common
Stock to be issued to the holders of Steuben Common Shares in connection with the transactions contemplated by this Agreement.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Regulatory Authorities</U>&rdquo; shall
mean, collectively, the Federal Trade Commission, the United States Department of Justice, the Federal Reserve Board (including
any Federal Reserve Bank), the OCC, the FDIC, the Consumer Financial Protection Bureau, the Internal Revenue Service, the New
York Superintendent, any state attorney general, all federal and state regulatory agencies having jurisdiction over the Parties
and their respective Subsidiaries, FINRA, and the SEC (including, in each case, the staff thereof).</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Representative</U>&rdquo; shall mean
any investment banker, financial advisor, attorney, accountant, consultant, agent or other representative of a Person.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Rights</U>&rdquo; shall mean, with
respect to any Person, securities, or obligations convertible into or exercisable or exchangeable for, or giving any other Person
any right to subscribe for or acquire, or any options, calls, restricted stock, deferred stock awards, stock units, phantom awards,
dividend equivalents, or commitments relating to, or any stock appreciation right or other instrument the value of which is determined
in whole or in part by reference to the market price or value of, shares of capital stock of such Person, whether vested or unvested
or exercisable or unexercisable.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>SEC</U>&rdquo; shall mean the United
States Securities and Exchange Commission or any successor thereto.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>SEC Reports</U>&rdquo; shall mean all
forms, proxy statements, registration statements, reports, schedules, and other documents filed, or required to be filed, by a
Party or any of its Subsidiaries with the SEC.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Act</U>&rdquo; shall mean
the Securities Act of 1933, as amended, and the rules and regulations thereunder.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Securities Laws</U>&rdquo; shall mean
the Securities Act, the Exchange Act, the Investment Company Act of 1940, the Investment Advisers Act of 1940, and the Trust Indenture
Act of 1939, each as amended, state securities and &ldquo;Blue Sky&rdquo; Laws, including in each case the rules and regulations
thereunder.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Service Provider</U>&rdquo; shall mean
any current or former director, officer, employee or individual independent contractor or consultant of Steuben or any of its
Subsidiaries.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Steuben Benefit Plan</U>&rdquo; shall
mean any Benefit Plan that is entered into, maintained by, sponsored in whole or in part by, or contributed to by Steuben or any
Subsidiary or ERISA Affiliate thereof, or under which Steuben or any Subsidiary or ERISA Affiliate thereof could reasonably be
expected to have any obligation or Liability, whether actual or contingent, with respect to any Service Provider.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Steuben Common Shares</U>&rdquo; shall
mean the $<FONT STYLE="text-transform: uppercase">1.00</FONT> par value per share common shares of Steuben.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Steuben Dividend Reinvestment Plan</U>&rdquo;
shall mean the Steuben Trust Corporation Share Owner Dividend Reinvestment and Stock Purchase Plan.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Steuben Financial Statements</U>&rdquo;
shall mean (i)&nbsp;the audited consolidated statements of financial condition (included related notes and schedules) of Steuben
as of December&nbsp;31, 2018, 2017 and 2016 and the consolidated statements of income, comprehensive income, changes in shareholders&rsquo;
equity and cash flows (including related notes and schedules, if any) of Steuben for each of the three (3) years ended December&nbsp;31,
2018, 2017 and 2016 as set forth in Steuben&rsquo;s annual report for the years ended December&nbsp;31, 2018, 2017 and 2016, and
(ii)&nbsp;the unaudited interim consolidated statements of financial condition of Steuben as of the end of each calendar quarter
following December&nbsp;31, 2018, and the consolidated statements of income, comprehensive income, changes in shareholders&rsquo;
equity and cash flows of Steuben for the periods then ended.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Steuben Shareholder Approval</U>&rdquo;
shall mean the adoption of this Agreement by the holders of at least sixty-six and two-thirds percent (66-2/3%) of the outstanding
Steuben Common Shares.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Subsidiary</U>&rdquo; or &ldquo;<U>Subsidiaries</U>&rdquo;
shall have the meaning assigned in Rule&nbsp;1-02(x) of Regulation&nbsp;S-X of the SEC.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Superior Proposal</U>&rdquo; means
any bona fide, unsolicited, written Acquisition Proposal for at least a majority of the outstanding Steuben Common Shares on terms
that the Board of Directors of Steuben concludes in good faith to be more favorable from a financial point of view to Steuben&rsquo;s
shareholders than the Merger and the other transactions contemplated by this Agreement (including the terms, if any, proposed
by Community to amend or modify the terms of the transactions contemplated by this Agreement), (i)&nbsp;after receiving the written
advice of its financial advisor (which shall be a nationally recognized investment banking firm), (ii)&nbsp;after taking into
account the likelihood of consummation of such transaction on the terms set forth therein (as compared to, and with due regard
for, the terms herein) and (iii)&nbsp;after taking into account all legal (with the written advice of outside counsel), financial
(including the financing terms of any such proposal), regulatory and other aspects of such proposal (including any expense reimbursement
and break-up fee provisions and conditions to closing) and any other relevant factors permitted under applicable Law.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Tax</U>&rdquo; or &ldquo;<U>Taxes</U>&rdquo;
shall mean all federal, state, local, and foreign taxes, charges, fees, levies, imposts, duties, or other like assessments, including
assessments for unclaimed property, as well as income, gross receipts, excise, employment, sales, use, transfer, intangible, recording,
license, payroll, franchise, severance, documentary, stamp, occupation, windfall profits, environmental, federal highway use,
commercial rent, customs duties, capital stock, paid-up capital, profits, withholding, Social Security, single business and unemployment,
disability, real property, personal property, registration, ad valorem, value added, alternative or add-on minimum, estimated,
or other tax or governmental fee of any kind whatsoever, or any amount in respect of unclaimed property or escheat, imposed by
or required to be paid or withheld by the United States or any state, local, or foreign government or subdivision or agency thereof,
whether disputed or not, including any related interest, penalties, and additions imposed thereon or with respect thereto, and
including any Liability for Taxes of another Person pursuant to a contract, as a transferee or successor, under Treasury Regulation
Section&nbsp;1.1502-6 or analogous provision of state, local or foreign Law or otherwise.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Tax Return</U>&rdquo; shall mean any
report, return, information return, or other information provided or required to be provided to a Taxing Authority in connection
with Taxes, including any return of an Affiliated or combined or unitary group that includes a Party or its Subsidiaries and including
without limitation any estimated Tax return.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Taxable Period</U>&rdquo; shall mean
any period prescribed by any Taxing Authority.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Taxing Authority</U>&rdquo; shall mean
any federal, state, local, municipal, foreign, or other Governmental Authority, instrumentality, commission, board or body having
jurisdiction over the Parties to impose or collect any Tax.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&ldquo;<U>Technology Systems</U>&rdquo; shall
mean the electronic data processing, information, record keeping, communications, telecommunications, hardware, third-party software,
networks, peripherals, portfolio trading and computer systems, including any outsourced systems and processes, and Intellectual
Property used by Steuben.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The terms set forth below shall have the meanings ascribed thereto in the referenced sections:</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 70%; font-size: 10pt; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">Adverse Recommendation Change</TD>
    <TD STYLE="width: 50%">Section&nbsp;4.12(c)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Agreement</TD>
    <TD>Preamble</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Anti-Corruption Laws</TD>
    <TD>Section&nbsp;3.2(h)(v)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Anti-Money Laundering Laws</TD>
    <TD>Section&nbsp;3.2(h)(vi)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Appraisal Rights</TD>
    <TD>Section&nbsp;2.3(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Bank Merger</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Bank Merger Agreement</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Book-Entry Shares</TD>
    <TD>Section&nbsp;2.2(b)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Capitalization Date</TD>
    <TD>Section&nbsp;3.2(c)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Certificates of Merger</TD>
    <TD>Section&nbsp;1.4</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Closing</TD>
    <TD>Section&nbsp;1.3</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Closing Date</TD>
    <TD>Section&nbsp;1.3</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community</TD>
    <TD>Preamble</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community Bank</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community Disclosure Letter</TD>
    <TD>Section&nbsp;3.1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community Fundamnetal Decisions</TD>
    <TD>Section 5.3(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community Preferred Stock</TD>
    <TD>Section&nbsp;3.3(c)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community Regulatory Agreement</TD>
    <TD>Section&nbsp;3.3(f)(ii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Community Reports</TD>
    <TD>Section&nbsp;3.3(d)(ii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Continuing Employees</TD>
    <TD>Section&nbsp;4.14(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>CRA</TD>
    <TD>Section&nbsp;3.2(p)</TD></TR>
</TABLE>

<P STYLE="margin: 0; font-size: 10pt">&nbsp;</P>

<P STYLE="margin: 0; font-size: 10pt"></P>

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    <!-- Field: /Page -->

<P STYLE="margin: 0; font-size: 10pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" ALIGN="CENTER" STYLE="width: 70%; font-size: 10pt; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 50%">Delaware Secretary</TD>
    <TD STYLE="width: 50%">Section&nbsp;1.4</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Delinquent Loans</TD>
    <TD>Section&nbsp;3.2(n)(ii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>DGCL</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Dissenting Shares</TD>
    <TD>Section&nbsp;2.3(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Effective Time</TD>
    <TD>Section&nbsp;1.4</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exchange Agent</TD>
    <TD>Section&nbsp;2.2(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Exchange Fund</TD>
    <TD>Section&nbsp;2.2(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Expiration Date</TD>
    <TD>Section&nbsp;6.1(e)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Fractional Share Consideration</TD>
    <TD>Section&nbsp;2.1(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Indemnified Party</TD>
    <TD>Section&nbsp;4.16(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>IRS</TD>
    <TD>Section&nbsp;3.2(j)(i)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Loans</TD>
    <TD>Section&nbsp;3.2(n)(i)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Materially Burdensome Regulatory Condition</TD>
    <TD>Section&nbsp;4.8(h)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Merger</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Merger Consideration</TD>
    <TD>Section&nbsp;2.1(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>NYBCL</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>New York Secretary</TD>
    <TD>Section&nbsp;1.4</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Per Share Cash Consideration</TD>
    <TD>Section&nbsp;2.1(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Per Share Merger Consideration Value</TD>
    <TD>Section&nbsp;2.4(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Per Share Stock Consideration</TD>
    <TD>Section&nbsp;2.1(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Permitted Liens</TD>
    <TD>Section&nbsp;3.2(w)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>PIFI</TD>
    <TD>Section&nbsp;3.2(q)(i)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Premium Cap</TD>
    <TD>Section&nbsp;4.16(b)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Proposed Dissenting Shares</TD>
    <TD>Section&nbsp;2.3(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Requisite Regulatory Approvals</TD>
    <TD>Section&nbsp;4.8(g)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Sanctions</TD>
    <TD>Section&nbsp;3.2(h)(viii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Sanctioned Country</TD>
    <TD>Section&nbsp;3.2(h)(viii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Shareholder Support Agreement</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben</TD>
    <TD>Preamble</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Bank</TD>
    <TD>Recitals</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Certificates</TD>
    <TD>Section&nbsp;2.2(b)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Directors&rsquo; Recommendation</TD>
    <TD>Section&nbsp;3.2(b)(ii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Disclosure Letter</TD>
    <TD>Section&nbsp;3.1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Financial Statements</TD>
    <TD>Section&nbsp;7.1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Owned Properties</TD>
    <TD>Section&nbsp;3.2(w)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Real Property</TD>
    <TD>Section&nbsp;3.2(w)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Regulatory Agreement</TD>
    <TD>Section&nbsp;3.2(h)(iv)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Reports</TD>
    <TD>Section&nbsp;3.2(d)(ii)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Steuben Shareholder Meeting</TD>
    <TD>Section&nbsp;4.5(a)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Surviving Corporation</TD>
    <TD>Section&nbsp;1.1</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Takeover Laws</TD>
    <TD>Section&nbsp;3.2(u)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>Termination Fee</TD>
    <TD>Section 6.2(b)</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>WARN</TD>
    <TD>Section&nbsp;3.2(i)(iii)</TD></TR>
</TABLE>
<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(c)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Any singular term in this Agreement shall be deemed to include the plural, and any plural term the singular. Whenever the
words &ldquo;include,&rdquo; &ldquo;includes,&rdquo; or &ldquo;including&rdquo; are used in this Agreement, they shall be deemed
followed by the words &ldquo;without limitation.&rdquo; The words &ldquo;hereby,&rdquo; &ldquo;herein,&rdquo; &ldquo;hereof&rdquo;
or &ldquo;hereunder,&rdquo; and similar terms are to be deemed to refer to this Agreement as a whole and not to any specific section.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.2<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Non-Survival of Representations and Covenants</U>. The respective representations, warranties, obligations, covenants,
and agreements of the Parties shall be deemed only to be conditions of the Merger and shall not survive the Effective Time, except
for <U>Section&nbsp;4.16</U> and for those other covenants and agreements contained in this Agreement that by their terms apply
or are to be performed in whole or in part after the Effective Time.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.3<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Expenses</U>. Except as otherwise provided in <U>Section&nbsp;6.2</U>, each of the Parties shall bear and pay all direct
costs and expenses incurred by it or on its behalf in connection with the transactions contemplated hereunder, whether or not
such transactions are consummated, including filing, registration, and application fees, printing fees, and fees and expenses
of its own financial or other consultants, investment bankers, accountants, and counsel, except that Community and Steuben shall
bear and pay fifty percent (50%) of all printing and mailing costs associated with the Registration Statement and Proxy Statement
and any amendment or supplement thereto.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.4<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Entire Agreement</U>. Except as otherwise expressly provided herein, this Agreement (including the Steuben Disclosure
Letter, the Community Disclosure Letter and the Exhibits hereto) constitutes the entire agreement between the Parties with respect
to the transactions contemplated hereunder and supersedes all prior arrangements or understandings with respect thereto, written
or oral, other than the Confidentiality Agreement, which shall remain in effect. The representations and warranties in this Agreement
are the product of negotiations among the Parties and are for the sole benefit of the Parties. Any inaccuracies in such representations
and warranties are subject to waiver by the Parties in accordance herewith without notice or Liability to any other Person. In
some instances, the representations and warranties in this Agreement may represent an allocation among the Parties of risks associated
with particular matters regardless of the knowledge of any of the Parties. Consequently, Persons other than the Parties may not
rely upon the representations and warranties in this Agreement as characterizations of actual facts or circumstances as of the
date of this Agreement or as of any other date. Notwithstanding any other provision hereof to the contrary, no consent, approval,
or agreement of any third party beneficiary will be required to amend, modify or waive any provision of this Agreement. Nothing
in this Agreement, express or implied, is intended to confer upon any Person, other than the Parties or their respective successors,
any rights, remedies, obligations, or liabilities under or by reason of this Agreement; <U>provided</U> that, notwithstanding
the foregoing clause, following the Effective Time only (but not unless and until the Effective Time occurs), (i)&nbsp;the provisions
of <U>Section&nbsp;4.16</U> shall be enforceable by each Indemnified Party described therein, and (ii)&nbsp;each holder of Steuben
Common Shares who properly surrenders his, her or its Steuben Common Shares in accordance with <U>Article&nbsp;2</U> shall have
the right to receive the applicable Merger Consideration and such right shall be enforceable by such holder of Steuben Common
Shares.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.5<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Amendments</U>. Before the Effective Time, this Agreement may be amended by a subsequent writing signed by each of the
Parties, whether before or after the Steuben Shareholder Approval has been obtained, except to the extent that any such amendment
would require the approval of the shareholders of Steuben, unless such required approval is obtained.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.6<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Waivers</U>. (a)&nbsp;&nbsp;Prior to or at the Effective Time, either Party shall have the right to waive any Default
in the performance of any term of this Agreement by the other Party, to waive or extend the time for the compliance or fulfillment
by the other Party of any and all of such other Party&rsquo;s obligations under this Agreement, and to waive any or all of the
conditions precedent to its obligations under this Agreement, except any condition which, if not satisfied, would result in the
violation of any Law. No waiver by a Party shall be effective unless in writing signed by a duly authorized officer of such Party.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(b)<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The failure of any Party at any time or times to require performance of any provision hereof shall in no manner affect
the right of such Party at a later time to enforce the same or any other provision of this Agreement. No waiver of any condition
or of the breach of any term contained in this Agreement in one or more instances shall be deemed to be or construed as a further
or continuing waiver of such condition or breach or a waiver of any other condition or of the breach of any other term of this
Agreement.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.7<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Assignment</U>. Except as expressly contemplated hereby, neither this Agreement nor any of the rights, interests, or
obligations hereunder shall be assigned by any Party without the prior written consent of the other Party. Subject to the preceding
sentence, this Agreement will be binding upon, inure to the benefit of, and be enforceable by the Parties and their respective
successors and assigns.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.8<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Notices</U>. All notices or other communications which are required or permitted hereunder shall be in writing and sufficient
if delivered by hand, by facsimile or electronic transmission, by email, by registered or certified mail, postage pre-paid, or
by courier or overnight carrier, to the Persons at the addresses set forth below (or at such other address as may be provided
hereunder), and shall be deemed to have been delivered as of the date so delivered:</P>

<P STYLE="margin: 0pt 0 0pt 1.5in; font-size: 10pt; text-indent: -0.5in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">To Community:</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 0.5in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Community Bank System, Inc.</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">5790 Widewaters Parkway</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">DeWitt, New York 13214</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Fax: 315-445-7347</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Email: Joe.Getman@communitybankna.com</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Attention: Joe Getman, Executive Vice President and General Counsel</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Copy to Counsel (which shall not constitute notice):</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Cadwalader, Wickersham &amp; Taft LLP</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">200 Liberty Street</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">New York, New York 10281</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Fax: 212-504-6666</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Email: Andrew.Alin@cwt.com</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Attention: Andrew P. Alin</TD></TR>
</TABLE>


<P STYLE="margin: 0pt 0 0pt 1.5in; font-size: 10pt; text-indent: -0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0 0pt 1.5in; font-size: 10pt; text-indent: -0.5in"></P>

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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">To Steuben:</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt; width: 1in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt; width: 0.5in">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Steuben Trust Corporation</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">One Steuben Square</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Hornell, New York 14843</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Fax: 607-324-9532</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Email: <U>Brenda.Copeland@steubentrust.com</U></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Attention: Brenda L. Copeland</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">Copy to Counsel (which shall not constitute notice):</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Pillar+Aught</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">4201 E. Park Circle</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Harrisburg, Pennsylvania 17111</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Fax: 717-686-9862</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Email: krollins@pillaraught.com</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">Attention: Kenneth J. Rollins</TD></TR>
</TABLE>


<P STYLE="margin: 0pt 0 0pt 1.5in; font-size: 10pt; text-indent: -0.5in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.9<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Governing Law; Jurisdiction</U>. (a)&nbsp;&nbsp;This Agreement and all disputes or controversies arising out of or relating
to this Agreement and the transactions contemplated hereby shall be governed by, and construed in accordance with, the internal
Laws of the State of New York, without regard to any applicable conflicts of law principles that would result in the application
of the Laws of another jurisdiction; <U>provided</U> that the Laws of the United States shall govern the consummation of the Bank
Merger.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">(b)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Each
of the Parties hereby irrevocably and unconditionally submits, for itself and its property, to the exclusive jurisdiction of the
Supreme Court of the State of New York or, if under applicable Law, exclusive jurisdiction over such matters is vested in the
Federal courts, any Federal court located in the State of New York, and any appellate court from any thereof, in any action or
proceeding arising out of or relating to this Agreement or the agreements delivered in connection herewith or the transactions
contemplated hereby or thereby or for recognition or enforcement of any judgment relating thereto, and each of the Parties hereby
irrevocably and unconditionally (i)&nbsp;agrees not to commence any such action or proceeding except in such courts, (ii)&nbsp;agrees
that any claim in respect of any such action or proceeding may be heard and determined in such Supreme Court or, to the extent
required by Law, in such Federal court, (iii)&nbsp;waives, to the fullest extent it may legally and effectively do so, any objection
which it may now or hereafter have to the laying of venue of any such action or proceeding in any such court, and (iv)&nbsp;waives,
to the fullest extent permitted by Law, (x)&nbsp;any claim that such Party is not personally subject to the jurisdiction of any
such court, (y)&nbsp;any claim that such Party and such Party&rsquo;s property is immune from any legal process issued by any
such court and (z)&nbsp;the defense of an inconvenient forum to the maintenance of such action or proceeding in any such court.
Each of the Parties agrees that a final judgment in any such action or proceeding shall be conclusive and may be enforced in other
jurisdictions by suit on the judgment or in any other manner provided by Law. Each Party irrevocably consents to service of process
in the manner provided for notices in <U>Section&nbsp;7.8</U>. Nothing in this Agreement will affect the right of any Party to
serve process in any other manner permitted by Law.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in"></P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.10<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Counterparts</U>. This Agreement may be executed in two or more counterparts, each of which shall be deemed to be an
original, but all of which together shall constitute one and the same instrument. The exchange of copies of this Agreement and
of signature pages by facsimile or electronic transmission shall constitute effective execution and delivery of this Agreement
as to the Parties and may be used in lieu of the original Agreement for all purposes. Signatures of the parties transmitted by
facsimile or electronic transmission shall be deemed to be their original signatures for all purposes.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.11<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Captions</U>. The captions contained in this Agreement are for reference purposes only and are not part of this Agreement.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.12<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Interpretations</U>. Neither this Agreement nor any uncertainty or ambiguity herein shall be construed or resolved against
any Party, whether under any rule of construction or otherwise. No Party to this Agreement shall be considered the draftsman.
The Parties acknowledge and agree that this Agreement has been reviewed, negotiated, and accepted by all Parties and their attorneys
and shall be construed and interpreted according to the ordinary meaning of the words used so as fairly to accomplish the purposes
and intentions of the Parties.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.13<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Severability</U>. If any term or provision of this Agreement is determined by a court of competent jurisdiction to be
invalid, void or unenforceable, the remaining provisions hereof, or the application of such provision to Persons or circumstances
other than those as to which it has been held invalid or unenforceable, shall remain in full force and effect and in no way be
affected, impaired or invalidated thereby, so long as the economic or legal substance of the transactions contemplated hereby
is not affected in any manner materially adverse to any Party. Upon such determination, the Parties shall negotiate in good faith
in an effort to agree upon a suitable and equitable substitute provision to effect the original intent of the Parties. If any
provision of this Agreement is so broad as to be unenforceable, the provision shall be interpreted to be only so broad as is enforceable.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">Section&nbsp;7.14<FONT STYLE="font-size: 10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><U>Waiver of Jury Trial</U>. THE PARTIES HEREBY KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT THAT ANY PARTY
MAY HAVE TO TRIAL BY JURY IN RESPECT OF ANY PROCEEDING, LITIGATION OR COUNTERCLAIM BASED ON, OR ARISING OUT OF, UNDER OR IN CONNECTION
WITH THIS AGREEMENT OR ANY COURSE OF CONDUCT, COURSE OF DEALING, STATEMENTS (WHETHER VERBAL OR WRITTEN) OR ACTIONS OF ANY PARTY.
IF THE SUBJECT MATTER OF ANY LAWSUIT IS ONE IN WHICH THE WAIVER OF JURY TRIAL IS PROHIBITED, NO PARTY TO THIS AGREEMENT SHALL
PRESENT AS A NONCOMPULSORY COUNTERCLAIM IN ANY SUCH LAWSUIT ANY CLAIM BASED ON, OR ARISING OUT OF, UNDER OR IN CONNECTION WITH
THIS AGREEMENT. FURTHERMORE, NO PARTY TO THIS AGREEMENT SHALL SEEK TO CONSOLIDATE ANY SUCH ACTION IN WHICH A JURY TRIAL CANNOT
BE WAIVED.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: center">&nbsp;</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt">&nbsp;</P>

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<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">IN WITNESS WHEREOF, each of the Parties has caused
this Agreement to be executed on its behalf as of the day and year first above written.</P>

<P STYLE="margin: 0pt 0; font-size: 10pt; text-align: justify; text-indent: 1in">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt">
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">COMMUNITY BANK SYSTEM, INC.</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt; width: 50%"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt; width: 4%"><FONT STYLE="font-size: 10pt">By: </FONT></TD>
    <TD STYLE="font-size: 10pt; width: 46%; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 10pt">/s/ Mark E. Tryniski</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Name: Mark E. Tryniski</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Title: President and Chief Executive</FONT><FONT STYLE="font-size: 10pt">
    Officer</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">STEUBEN TRUST CORPORATION</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"> <FONT STYLE="font-size: 10pt">/s/ Brenda L. Copeland</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Name: Brenda L. Copeland</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Title: Chief Executive Officer</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
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    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">By:</FONT></TD>
    <TD STYLE="font-size: 10pt; border-bottom: Black 1pt solid"> <FONT STYLE="font-size: 10pt">/s/ John S. Eagleton</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Name: John S. Eagleton</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; font-size: 10pt">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">&nbsp;</FONT></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Title: President</FONT></TD></TR>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US">Document Fiscal Year Focus</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US">Current Fiscal Year End Date</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:label="dei_EntityFileNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFileNumber_lbl" xml:lang="en-US">Entity File Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityRegistrantName_lbl" xml:lang="en-US">Entity Registrant Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCentralIndexKey_lbl" xml:lang="en-US">Entity Central Index Key</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityPrimarySicNumber" xlink:label="dei_EntityPrimarySicNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityPrimarySicNumber" xlink:to="dei_EntityPrimarySicNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityPrimarySicNumber_lbl" xml:lang="en-US">Entity Primary SIC Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:label="dei_EntityTaxIdentificationNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US">Entity Tax Identification Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="dei_EntityIncorporationStateCountryCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US">Entity Incorporation, State or Country Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:label="dei_EntityAddressAddressLine1" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US">Entity Address, Address Line One</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine2" xlink:label="dei_EntityAddressAddressLine2" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US">Entity Address, Address Line Two</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine3" xlink:label="dei_EntityAddressAddressLine3" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US">Entity Address, Address Line Three</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:label="dei_EntityAddressCityOrTown" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US">Entity Address, City or Town</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:label="dei_EntityAddressStateOrProvince" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US">Entity Address, State or Province</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCountry" xlink:label="dei_EntityAddressCountry" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressCountry_lbl" xml:lang="en-US">Entity Address, Country</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:label="dei_EntityAddressPostalZipCode" />
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      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CountryRegion" xlink:label="dei_CountryRegion" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CountryRegion" xlink:to="dei_CountryRegion_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CountryRegion_lbl" xml:lang="en-US">Country Region</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:label="dei_CityAreaCode" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_CityAreaCode_lbl" xml:lang="en-US">City Area Code</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:label="dei_LocalPhoneNumber" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LocalPhoneNumber_lbl" xml:lang="en-US">Local Phone Number</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Extension" xlink:label="dei_Extension" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Extension" xlink:to="dei_Extension_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Extension_lbl" xml:lang="en-US">Extension</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:label="dei_WrittenCommunications" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_WrittenCommunications_lbl" xml:lang="en-US">Written Communications</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:label="dei_SolicitingMaterial" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SolicitingMaterial_lbl" xml:lang="en-US">Soliciting Material</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:label="dei_PreCommencementTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US">Pre-commencement Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="dei_PreCommencementIssuerTenderOffer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US">Pre-commencement Issuer Tender Offer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:label="dei_Security12bTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12bTitle_lbl" xml:lang="en-US">Title of 12(b) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_NoTradingSymbolFlag" xlink:label="dei_NoTradingSymbolFlag" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US">No Trading Symbol Flag</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_TradingSymbol_lbl" xml:lang="en-US">Trading Symbol</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:label="dei_SecurityExchangeName" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityExchangeName_lbl" xml:lang="en-US">Security Exchange Name</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12gTitle" xlink:label="dei_Security12gTitle" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12gTitle" xlink:to="dei_Security12gTitle_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_Security12gTitle_lbl" xml:lang="en-US">Title of 12(g) Security</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityReportingObligation" xlink:label="dei_SecurityReportingObligation" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityReportingObligation" xlink:to="dei_SecurityReportingObligation_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_SecurityReportingObligation_lbl" xml:lang="en-US">Security Reporting Obligation</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AnnualInformationForm" xlink:label="dei_AnnualInformationForm" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AnnualInformationForm" xlink:to="dei_AnnualInformationForm_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AnnualInformationForm_lbl" xml:lang="en-US">Annual Information Form</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AuditedAnnualFinancialStatements" xlink:label="dei_AuditedAnnualFinancialStatements" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AuditedAnnualFinancialStatements" xlink:to="dei_AuditedAnnualFinancialStatements_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_AuditedAnnualFinancialStatements_lbl" xml:lang="en-US">Audited Annual Financial Statements</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US">Entity Voluntary Filers</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US">Entity Current Reporting Status</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityInteractiveDataCurrent" xlink:label="dei_EntityInteractiveDataCurrent" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityInteractiveDataCurrent" xlink:to="dei_EntityInteractiveDataCurrent_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityInteractiveDataCurrent_lbl" xml:lang="en-US">Entity Interactive Data Current</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFilerCategory" xlink:label="dei_EntityFilerCategory" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityFilerCategory_lbl" xml:lang="en-US">Entity Filer Category</link:label>
      <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntitySmallBusiness" xlink:label="dei_EntitySmallBusiness" />
      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:type="arc" />
      <link:label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntitySmallBusiness_lbl" xml:lang="en-US">Entity Small Business</link:label>
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      <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:type="arc" />
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>5
<FILENAME>cbu-20191018_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
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<span style="display: none;">v3.19.3</span><table class="report" border="0" cellspacing="2" id="idp6630120480">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Cover<br></strong></div></th>
<th class="th"><div>Oct. 18, 2019</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 18,  2019<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-13695<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">COMMUNITY BANK SYSTEM, INC.<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">16-1213679<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">5790 Widewaters Parkway<span></span>
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</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">DeWitt<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">13214<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">315<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">445-2282<span></span>
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</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">true<span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, $1.00 par value per share<span></span>
</td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CBU<span></span>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
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<td><strong> Balance Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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  "r16": {
   "Name": "Regulation S-T",
   "Number": "232",
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   "Section": "405"
  },
  "r17": {
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   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
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  "r18": {
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   "Number": "7A",
   "Publisher": "SEC",
   "Section": "B",
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  "r2": {
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  "r3": {
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  "r4": {
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   "Number": "240",
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  "r9": {
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 },
 "version": "2.1"
}
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