Attached files
| file | filename |
|---|---|
| S-1/A - FORM S-1/A - Oneida Financial Corp. | g22285a1sv1za.htm |
| EX-2 - EX-2 - Oneida Financial Corp. | g22285a1exv2.htm |
| EX-8 - EX-8 - Oneida Financial Corp. | g22285a1exv8.htm |
| EX-3.1 - EX-3.1 - Oneida Financial Corp. | g22285a1exv3w1.htm |
| EX-99.4 - EX-99.4 - Oneida Financial Corp. | g22285a1exv99w4.htm |
| EX-23.2 - EX-23.2 - Oneida Financial Corp. | g22285a1exv23w2.htm |
| EX-10.12 - EX-10.12 - Oneida Financial Corp. | g22285a1exv10w12.htm |
Exhibit 99.5
| STOCK ORDER FORMBATCH #ORDER #CATEGORYREC’DOCORDER DEADLINE DELIVERY: A Stock Order Form, properly completed andStock Information Centeron hl payment, must beC/O Stifel NicolausOrder Forms can be delivered by using the enclosed Stock Order Reply Envelope,18 Columbia Turnpikehand vernig ve ht delivFlorham Park, NJ 07932Oneida, NY (across the street from Oneida Savings Bank’s main office). Hand-delivered stock order forms will only be accepted at this location. You may NOTCall us toll-freedeliver this form to other Oneida Savings Bank offices. Please do not mail Stock Order Forms to Onieda Savings Bank. Faxes or copies of this form are notat 1-()-required to be accepted.SUBSCRIPTION(4) METHOD OF PAYMENT - DEPOSIT ACCOUNT WITHDRAWAL The undersigned authorizes withdrawal from the Oneida Savings Bank deposit(1) NUMBER OF SHARES PRICE PER SHARE (2) TOTAL PAYMENT DUEaccount(s) listed below. There will be no early withdrawal penalty applicable for funds $ Iauthorize d o n tis fo rm. Fu nds desig nate d fo r with drawal mu st be in the a cc ount(s)X $8.00 = vt) .001 listed at the time this form is rece ived. IRA and o ther retirem ent ac counts held at Oneida11Savings Bank, or Oneida Savings Bank Trust Investment Services, and accounts withMinimum Number of Shares: 25 ($200). Maximum Number of Shares: 37,500 ($300,000).check-writing privileges, may NOT be listed for direct withdrawal below.See Stock Order Form Instructions for more information regarding maximum number of shares.I For Internal Use Only Oneida Savings Bank Deposit Account Number Withdrawal Amount$.00(3) METHOD OF PAYMENT - CHECK OR MONEY ORDERóóEnclosed is a personal check, bank check or money orderI,$.made payable to: Oneida Financial Corp., in the amount of:$00$00Cash, wire transfers and third party checks will not be accepted for this purchase. Checks and money ordersTotal Withdrawal Amount $.00will be cashed upon receipt. Oneida Savings Bank line of credit checks may not be remitted as payment.ATTACH A SEPARATE PAGE IF ADDITIONAL SPACE IS NEEDED.(5)PURCHASER INFORMATIONACCOUNT INFORMATION -SUBSCRIPTION OFFERINGSubscription Offering. Check the one box that applies, as of the earliest date, to the If you checked box (a), (b) or (c) under ‘Subscription Offering,‘ please provide the following informationpurchaser(s) listed in Section 9:as of the eligibility date under which purchasers) listed in Section 9 below qualify in the Subscriptiona.Q Depositors with an aggregate minimum of $50 on deposit at Oneida Savings BankOffering:at the close of business on December 31, 2008.i1b.? Depositors with an aggregate minimum of $50 on deposit at Oneida Savings BankDeposit Title (Name(s) on Account)Oneida Savings Bank Deposit Account Numberat the close of business on March 31, 2010.c.O Depositors with accounts at Oneida Savings Bank at the close of business on, 2010.Community Offering. If (a) through (c) above do not apply to the purchaser(s) listed inSection 9, check the first box that applies to this order:d.O You are a resident of one of the New York counties listed in the Prospectus, on page. III(plea se wr ite your county of re sidenc e in Section 9)e I-I You were an Oneida Financ ial Corp. stoc kholder as of 2010NOTE: NOT LISTING ALL ELIGIBLE ACCOUNTS, OR PROVIDING INCORRECT OR INCOMPLETE. M INFORMATION, COULD RESULT IN THE LOSS OF ALL OR PART OF ANY SHARE ALLOCATION. ATTACHf. You are placing an order in the Community Offering but (d) and (e) above do not apply.A SEPARATE PAGE IF ADDITIONAL SPACE IS NEEDED(6)MANAGEMENT AND EMPLOYEES Check if you are an Oneida Financial, MHC, Oneida Financial Corp. or Oneida Savings Bank: I Director O Officer O Employee O Immediate family member, as definedon the Stock Order Form Instructions.(7)MAXIMUM PURCHASER IDENTIFICATIONCheck here if you, individually or together with others (see Section 8), are subscribing in the Subscription Offering for the maximum purchase allowed and are interested in purchasing more shares if the maximum purchase limitations are increased. See Stock Order Form Instructions for further guidance. If you do not check the box, you will not be contacted and resolicited in the event the maximum purchase limitations are increased.(8)ASSOCIATES/ACTING IN CONCERTCheck here if you, or any associates or persons acting in concert with you, have submitted other orders for shares in the Subscription Offering. If you check the box, list below all other orders submitted by you or your associates or by persons acting in concert with you. (continued on reverse side of this form)Name(s) listed in Section 9 on other Stock Order FormsNumber of shares orderedName(s) listed in Section 9 on other Stock Order FormsNumber of shares ordered(9)STOCK REGISTRATION The name(s) and address that you provide below will be reflected on your stock certificate, and will be used for communications relatedto this order. Please PRINT clearly and use full first and last name(s), not initials. If purchasing in the Subscription Offering, you may not add the name(s) of persons/entities who do not have subscription rights or who qualify only in a lower purchase priority than yours. See Stock Order Form Instructions for further guidance.First Name, Middle Initial, Last NameReporting SSN/Tax ID No.First Name, Middle Initial, Last NameSSN/Tax Id No.StreetDaytime Phone Number (important)City (important)State Zip County (important) Evening Phone Number (important)(10)FORM OF STOCK OWNERSHIP Check the applicable box. See Stock Order Form Instructions for ownership definitions. FOR BROKER USE ONLYIndividual Joint Tenants O Tenants in Common O Uniform Transfer to Minors Act IRAI Corporation/Partnershipóó\ Other(for reporting SSN, use minor’s)I-I SSN of Beneficial Owner:--(11) ACKNOWLEDGMENT AND SIGNATURE(S)I understand that, to be effective, this form, properly completed, together with full payment, must be received no later than 2:00 p.m., Eastern Time, on, 2010, otherwisethis form and all subscription rights will be void. (continued on reverse side of this form)ORDER NOT VALID UNLESS SIGNEDONE SIGNATURE REQUIRED, UNLESS SECTION 4 OF THIS FORM INCLUDES ACCOUNTS REQUIRING MORE THAN ONE SIGNATURE TO AUTHORIZE WITHDRAWAL. IF SIGNING AS A CUSTODIAN, TRUSTEE, CORPORATE OFFICER, ETC., PLEASE INCLUDE YOUR FULL TITLE.Signature (title, if applicable)Date Signature (title, if applicable)Date |
STOCK
ORDER FORM - SIDE 2(8) ASSOCIATES/ACTING IN CONCERT (continued
from front of Stock Order Form)Associate - The term
‘associate‘ of a person means:(1)any corporation or
organization, other than Oneida Financial, MHC, Oneida Financial
Corp., Oneida Savings Bank or a majority-owned subsidiary of
Oneida Savings Bank, of which the person is a senior officer,
partner or 10% beneficial stockholder;(2)any trust or other
estate in which the person has a substantial beneficial interest
or serves as a trustee or in a similar fiduciary capacity;
provided, however, that for the purposes of subscriptions in the
offering and restrictions on the sale of stock after the
conversion, the term ‘associate‘ does not include a
person who has a substantial beneficial interest in an employee
stock benefit plan of Oneida Savings Bank, or who is a trustee
or fiduciary of such plan, and for purposes of aggregating total
shares that may be held by officers, trustees and directors of
Oneida Savings Bank, Oneida Financial, MHC or Oneida Financial
Corp., the term ‘associate‘ does not include any
tax-qualified employee stock benefit plan of Oneida Savings
Bank; and(3)any blood or marriage relative of the person, who
either has the same home as the person or who is a director or
officer of Oneida Financial, MHC, Oneida Financial Corp. or
Oneida Savings Bank.Acting in concert - The term ‘acting in
concert‘ means:(1)knowing participation in a joint activity
or interdependent conscious parallel action towards a common
goal whether or not pursuant to an express agreement; or(2)a
combination or pooling of voting or other interests in the
securities of an issuer for a common purpose pursuant to any
contract, understanding, relationship, agreement or other
arrangement, whether written or otherwise.A person or company
that acts in concert with another person or company (‘other
party‘) will also be deemed to be acting in concert with
any person or company who is also acting in concert with that
other party, except that any tax-qualified employee stock
benefit plan will not be deemed to be acting in concert with its
trustee or a person who serves in a similar capacity solely for
the purpose of determining whether common stock held by the
trustee and common stock held by the employee stock benefit plan
will be aggregated.We have the sole discretion to determine
whether prospective purchasers are ‘associates‘ or
‘acting in concert.‘ Persons having the same address,
and persons exercising subscription rights through qualifying
deposits registered at the same address will be deemed to be
acting in concert unless we determine otherwise.Please see the
Prospectus section entitled ‘The Conversion and Offering -
Limitations on Common Stock Purchases‘ for more information
on purchase limitations.(11) ACKNOWLEDGEMENT AND SIGNATURE(S)
(continued from front of Stock Order Form)I agree that, after
receipt by Oneida Financial Corp., this Stock Order Form may not
be modified or canceled without Oneida Financial Corp. , s
consent, and that if withdrawal from a deposit account has been
authorized, the authorized amount will not otherwise be
available for withdrawal. Under penalty of perjury, I certify
that (1) the Social Security or Tax ID information and all other
information provided hereon are true, correct and complete, (2)
I am purchasing shares solely for my own account and there is no
agreement or understanding regarding the sale or transfer of
such shares, or my right to subscribe for shares, and (3) I am
not subject to backup withholding tax [cross out (3) if you have
been notified by the IRS that you are subject to backup
withholding]. I acknowledge that my order does not conflict with
the overall purchase limitation of $600,000, in all categories
of the offering combined, for any person or entity, together
with associates of, or persons acting in concert with, such
person or entity, as set forth in the Plan of Conversion and
Reorganization and the Prospectus.Subscription rights pertain to
those eligible to subscribe in the Subscription Offering.
Subscription rights are only exercisable by completing and
submitting a Stock Order Form, with full payment for the shares
subscribed for. Federal regulations prohibit any person from
transferring or entering into any agreement directly or
indirectly to transfer the legal or beneficial ownership of
subscription rights, or the underlying securities, to the
account of another.I ACKNOWLEDGE THAT THESE SECURITIES ARE NOT
DEPOSITS OR SAVINGS ACCOUNTS AND ARE NOT INSURED OR GUARANTEED
BY THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER
GOVERNMENT AGENCY.If anyone asserts that the shares of common
stock are federally insured or guaranteed, or are as safe as an
insured deposit, I should call the Office of Thrift Supervision
Consumer Inquiries, toll-free, at (800) 842-6929.I further
certify that, before purchasing the common stock of Oneida
Financial Corp., I received the Prospectus dated, 2010, and that
I have read the terms andconditions described in the Prospectus,
including disclosure concerning the nature of the security being
offered and the risks involved in the investment, described by
OneidaFinancial Corp. in the ‘Risk Factors‘ section
beginning on page. Risks include, but are not limited to the
following:1.Concentration of loans in our primary market area
may increase risk.2.Changes in interest rates could adversely
affect our results of operations and financial condition.3.We
could record future losses on our securities portfolio.4.If our
non-performing assets increase, our earnings will
suffer.5.Increases to the allowance for loan losses would cause
our earnings to decrease.6.Commercial real estate and business
loans increase our exposure to credit risks.7.Our loan portfolio
has greater risk due to the substantial number of home equity
loans and other consumer loans.8.Municipal deposits are price
sensitive and could result in an increase in interest expense or
funding fluctuations.9.Our operations may be adversely affected
if we are unable to hire and retain qualified
employees.10.Conditions in insurance markets could adversely
affect our earnings.11.We hold certain intangible assets that in
the future could be classified as either partially or fully
impaired, which would reduce our earnings and the book values of
these assets.12.Strong competition may limit our growth and
profitability.13.Higher Federal Deposit Insurance Corporation
insurance premiums and special assessments will adversely affect
our earnings.14.The United States economy remains weak and
unemployment levels are high. The prolonged economic downturn
will adversely affect our business and financial results.15.A
legislative proposal has been introduced that would eliminate
the Office of Thrift Supervision, Oneida Financial Corp.’s
primary federal regulator and the primary federal regulator that
Oneida Financial-New intends to elect, which would require
Oneida Financial-New to become a bank holding company.16.Changes
in laws and regulations and the cost of regulatory compliance
with new laws and regulations may adversely affect our
operations and our income.17.We operate in a highly regulated
environment and may be adversely affected by changes in laws and
regulations.18.If our investment in the Federal Home Loan Bank
of New York becomes impaired, our earnings and
stockholders’ equity could decrease.19.System failure or
breaches of our information systems could subject us to
increased operating costs as well as litigation and other
liabilities.20.The future price of the shares of common stock
may be less than the $8.00 purchase price per share in the
offering.21.Our failure to effectively deploy the net proceeds
may have an adverse impact on our financial performance and the
value of our common stock.22.Our return on equity initially will
be low compared to our historical performance. A lower return on
equity may negatively impact the trading price of our common
stock.23.The implementation of the stock-based benefit plan may
dilute your ownership interest.24.Implementing the stock-based
benefit plan would increase our compensation and benefit
expenses and adversely affect our profitability.25.Various
factors may make takeover attempts more difficult to
achieve.26.The ownership interest of management and employees
could enable insiders to prevent a merger that may provide
stockholders a premium for their shares.27.There may be a
decrease in stockholders’ rights for existing stockholders
of Oneida Financial Corp.28.You may not revoke your decision to
purchase Oneida Financial-New common stock in the subscription
offering after you send us your subscription.29.There may be a
limited market for our common stock, which may lower our stock
price and make it more difficult for investors to sell their
shares of our common stock.By executing this form, the investor
is not waiving any rights under the federal securities laws,
including the Securities Act of 1933 and the Securities Exchange
Act of 1934.
ONEIDA
FINANCIAL CORP. STOCK ORDER FORM INSTRUCTIONSSections (1) and
(2) - Number of Shares and Total Payment Due. Indicate the
Number of Shares that you wish to subscribe for and the Total
Payment Due. Calculate the Total Payment Due by multiplying the
number of shares by the $8.00 price per share. The minimum
purchase is 25 shares ($200). The maximum allowable purchase by
a person, or persons exercising subscription rights through a
single qualifying deposit account held jointly, is 37,500 shares
($300,000). Further, no person or entity, together with
associates or persons acting in concert with such person or
entity, may purchase more than 75,000 shares ($600,000) of
common stock, in all categories of the offering combined.
Current Oneida Financial Corp. stockholders are subject to these
purchase limitations and to an overall ownership limitation.
Please see the Prospectus section entitled ‘The Conversion
and Offering -Limitations on Common Stock Purchases‘ for
more specific information. By signing this form, you are
certifying that your order does not conflict with these purchase
limitations.Section (3) - Method of Payment - Check or Money
Order. Payment may be made by including with this form a
personal check, bank check or money order made payable to Oneida
Financial Corp. These will be cashed upon receipt; the funds
remitted by personal check must be available within the
account(s) when your Stock Order Form is received. Indicate the
amount remitted. Interest will be calculated at Oneida Savings
Bank’s passbook savings rate until the offering is
completed, at which time, a subscriber will be issued a check
for interest earned. Please do not remit cash, an Oneida Savings
Bank line of credit check, wire transfers or third party checks
for this purchase.Section (4) - Method of Payment - Deposit
Account Withdrawal. Payment may be made by authorizing a direct
withdrawal from your Oneida Savings Bank deposit account(s).
Indicate the account number(s) and the amount(s) you wish
withdrawn. Attach a separate page, if necessary. Funds
designated for withdrawal must be available within the
account(s) at the time this Stock Order Form is received. Upon
receipt of this order, we will place a hold on the amount(s)
designated by you - the funds designated will be unavailable to
you for withdrawal thereafter. The funds will continue to earn
interest within the account(s) at the contract rate, and account
withdrawals will be made at the completion of the offering.
There will be no early withdrawal penalty for withdrawal from an
Oneida Savings Bank certificate of deposit account. Note that
you may NOT designate deposit accounts with check-writing
privileges. Submit a check instead. If you request direct
withdrawal, we reserve the right to interpret that as your
authorization to treat those funds as if we had received a check
for the designated amount, and we will immediately withdraw the
amount from your checking account(s). Additionally, you may not
designate for direct withdrawal Oneida Savings Bank, IRA or
other retirement accounts. For guidance on using retirement
funds, whether held at Oneida Savings Bank or elsewhere,please
contact the Stock Information Center as soon as possible -
preferably at least two weeks before the , 2010 offering
deadline, and see the Prospectussection entitled ‘The
Conversion and Offering - Using IRA Funds.‘ Your ability to
use retirement accounts to buy shares cannot be guaranteed and
depends on various factors, including timing constraints and
where those funds are currently held.Section (5) - Purchaser
Information. Please check the one box that applies to the
purchaser(s) listed in Section 9 of this form. Purchase
priorities in the Subscription Offering are based on eligibility
dates. Boxes (a), (b) and (c) refer to the Subscription
Offering. If you checked one of these boxes, list all Oneida
Savings Bank deposit account numbers that the purchaser(s) had
ownership in as of the applicable eligibility date. Include all
forms of account ownership (e.g. individual, joint, IRA, etc.)
If purchasing shares for a minor, list only the minor’s
eligible accounts. If purchasing shares for a corporation or
partnership, list only that entity’s eligible accounts.
Attach a separate page, if necessary. Failure to complete this
section, or providing incorrect or incomplete information, could
result in a loss of part or all of your share allocation in the
event of an oversubscription. Boxes (d), (e) and (f) refer to a
Community Offering. Orders placed in the Subscription Offering
will take preference over orders placed in a Community Offering.
See the Prospectus section entitled ‘The Conversion and
Offering,‘ for further details about the Subscription and
Community Offerings.Section (6) - Management and Employees.
Check the box if you are a Oneida Savings Bank, Oneida Financial
Corp., or Oneida Financial, MHC director, officer or employee,
or a member of their immediate family. Immediate family includes
spouse, parents, siblings and children who reside in the same
house as the director, officer or employee.Section (7) - Maximum
Purchaser Identification. Check the box, if applicable. Your
failure to check the box will result in you not receiving
notification in the event the maximum purchase limit(s) is/are
increased. If you check the box but have not subscribed for the
maximum amount in the Subscription Offering and did not complete
item 8, you will not receive this notification.Section (8) -
Associates/Acting in Concert. Check the box, if applicable, and
provide the requested information. Attach a separate page, if
necessary.Section (9) - Stock Registration. Clearly PRINT the
name(s) in which you want the shares registered and the mailing
address for all correspondence related to your order, including
a stock certificate. Each Stock Order Form will generate one
stock certificate, subject to the stock allocation provisions
described in the Prospectus. IMPORTANT: Subscription rights are
non-transferable. If placing an order in the Subscription
Offering, you may not add the names of persons/entities who do
not have subscription rights or who qualify only in a lower
purchase priority than yours. A Social Security or Tax ID Number
must be provided. The first number listed will be identified
with the stock certificate for tax reporting purposes. Listing
at least one phone number is important, in the event we need to
contact you about this form. NOTE FOR FINRA MEMBERS (Formerly
NASD): If you are a member of the Financial Industry Regulatory
Authority (‘FINRA‘), formerly the National Association
of Securities Dealers (‘NASD‘), or a person affiliated
or associated with a FINRA member, you may have additional
reporting requirements. Please report this subscription in
writing to the applicable FINRA member within one day of payment
thereof.Section (10) - Form of Stock Ownership. For reasons of
clarity and standardization, the stock transfer industry has
developed uniform stockholder registrations for issuance of
stock certificates. Beneficiaries may not be named on stock
registrations. If you have any questions on wills, estates,
beneficiaries, etc., please consult your legal advisor. When
registering stock, do not use two initials - use the full first
name, middle initial and last name. Omit words that do not
affect ownership such as ‘Dr.‘ or ‘Mrs.‘
Check the one box that applies.Buying Stock Individually - Used
when shares are registered in the name of only one owner. To
qualify in the Subscription Offering, the purchaser named in
Section9 of the Stock Order Form must have had an eligible
deposit account at Oneida Savings Bank on December 31, 2008
March 31, 2010 or , 2010.Buying Stock Jointly - To qualify in
the Subscription Offering, the persons named in Section 9 of the
Stock Order Form must have had an eligible deposit account
atOneida Savings Bank on December 31, 2008 March 31, 2010 or ,
2010.Joint Tenants - Joint Tenancy (with Right of Survivorship)
may be specified to identify two or more owners where ownership
is intended to pass automatically to thesurviving tenant(s). All
owners must agree to the sale of shares.Tenants in Common - May
be specified to identify two or more owners where, upon the
death of one co-tenant, ownership of the stock will be held by
the survivingco-tenant(s) and by the heirs of the deceased
co-tenant. All owners must agree to the sale of shares. Buying
Stock for a Minor - Shares may be held in the name of a
custodian for a minor under the Uniform Transfer to Minors Act.
To qualify in the Subscription Offering, the minor (not the
custodian) named in Section 9 of the Stock Order Form must have
had an eligible deposit account at Oneida Savings Bank on
December 31, 2008 or March31, 2010 or , 2010.The standard
abbreviation for custodian is ‘CUST.‘ The Uniform
Transfer to Minors Act is ‘UTMA.‘ Include the state
abbreviation. For example, stock held by John Smith as custodian
for Susan Smith under the NY Uniform Transfer to Minors Act,
should be registered as John Smith CUST Susan Smith UTMA-NY
(list only the minor’s social security number).Buying Stock
for a Corporation/Partnership - On the first name line, indicate
the name of the corporation or partnership and indicate that
entity’s Tax IDNumber for reporting purposes. To qualify in
the Subscription Offering, the corporation or partnership named
in Section 9 of the Stock Order Form must havehad an eligible
deposit account at Oneida Savings Bank on December 31, 2008
March 31, 2010 or , 2010.Buying Stock in a Trust/Fiduciary
Capacity - Indicate the name of the fiduciary and the capacity
under which they are acting (for example, ‘Executor‘),
or name of the trust, the trustees and the date of the trust.
Indicate the Tax ID Number to be used for reporting purposes. To
qualify in the Subscription Offering, the entitynamed in Section
9 of the Stock Order Form must have had an eligible deposit
account at Oneida Savings Bank on December 31, 2008 March 31,
2010 or ,2010.Buying Stock in a Self-Directed IRA (for
trustee/broker use only) - Registration should reflect the
custodian or trustee firm’s registration requirements. For
example, on thefirst name line indicate the name of the
brokerage firm, followed by CUST or TRUSTEE. On the second name
line, indicate the name of the beneficial owner (for
example,‘FBO John SMITH IRA‘). You can indicate an
account number or other underlying information, and the
custodian or trustee firm’s address and department to which
allcorrespondence should be mailed related to this order,
including a stock certificate. Indicate the TAX ID Number under
which the IRA account should be reported for taxpurposes. To
qualify in the Subscription Offering, the beneficial owner named
in Section 9 of this form must have had an eligible deposit
account at Oneida Savings Bankon December 31, 2008 March 31,
2010 or , 2010.Section (11) - Acknowledgment and Signature(s).
Sign and date the Stock Order Form where indicated. Before you
sign, please carefully review the information you provided and
read the acknowledgment. Verify that you have printed clearly
and completed all applicable shaded areas on the Stock Order
Form. Only one signature is required, unless any account listed
in Section 4 requires more than one signature to authorize a
withdrawal.Please review the Prospectus carefully before making
an investment decision. Deliver your completed Stock Order Form,
with full payment or withdrawal authorization, sothat it is
received (not postmarked) by 2:00 p.m., Eastern Time, on ,
2010. Stock Order Forms can be delivered by using the enclosed
postage paid Stock OrderReply Envelope, by overnight delivery to
the Stock Information Center address on the front of the Stock
Order Form or by hand-delivery to Oneida Savings Bank’s
main office, which is located at 182 Main Street, Oneida, NY.
Hand-delivered Stock Order Forms will only be accepted at this
location. Please do not mail stock order forms to Oneida Savings
Bank. We are not required to accept Stock Order Forms that are
found to be deficient or incorrect, or that do not include
proper payment or the required signature. OVERNIGHT DELIVERY can
be made to the Stock Information Center address provided on the
front of the Stock Order Form.QUESTIONS? Call our Stock
Information Center, toll-free, at 1-(___) ___-____ Monday
through Friday from 10:00 a.m. to 4:00 p.m., Eastern Time. The
Stock Information Center is not open on weekends or bank
holidays.
