 
      Steuben Trust Corporation is a financial services holding company for Steuben Trust Company, a New York State chartered community bank. Steuben Trust Company, organized in 1902, has a long history of strong performance and record of meeting the needs of our customers. We are proud that many of our shareholders are also satisfied long-time customers of the bank. Steuben Trust Corporation, formed in 1990, is regulated by the Federal Reserve Bank of New York. Steuben Trust Corporation offers shareholders a dividend reinvestment and stock purchase plan. This provides the owners of the Corporation's common stock with a simple and convenient method of re-investing cash dividends paid as well as enabling cash payments to purchase additional shares of Common Stock.
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