ONEGROUP NY, INC.
SYRACUSE, NY

Our history of insuring families and businesses goes back more than 100 years, beginning in Oneida, New York with the Haskell and Bailey families and operating under various names. In 1988, the families combined Hamblin, Munz & Haskell with Bailey Insurance Services to form Bailey & Haskell Associates, Inc. In 2000, Oneida Savings Bank purchased the insurance agency along with two smaller agencies, Noyes & LaLonde and Dunn Agency. The name was changed to Bailey, Haskell & LaLonde (BHL). Oneida Bank added Schenectady Insuring Agency of Schenectady to its portfolio in 2012. Retirement Income Services, Inc. was established in 1983 in Syracuse, New York focusing in the areas of qualified retirement plan consulting and administration, investment advisory services, executive compensation, business continuation, estate planning and life insurance sales. In 1996 the company added significant benefit and HR consulting services to its list of services, changing the company’s name to Benefit Consulting Group, Inc. In 2003, the company expanded to offer an array of financial investment advisory services. Oneida Bank purchased the company in 2006. Begun in 2008, Workplace Health Solutions was established as a wholly-owned subsidiary of Oneida Savings Bank. The company’s focus was to provide solutions to workplace injuries and their associated costs. Services included independent medical examination networks, back-to-work programs and injury risk management. Oneida Savings Bank was founded in Oneida, New York in 1866. In 1998, the savings bank began the process of becoming a public company under Oneida Financial Corp. (ONFC), with a focus on strategic acquisitions of the region’s most competent and customer-focused companies. The goal was to unify compatible services and expertise to deliver truly integrated and collaborative solutions for businesses and individuals. Business Risk Management Services Beginning with a detailed assessment of your current business strategy, we integrate our expertise with yours as a trusted partner in the success of your business or organization. Because we take the time to truly understand your operations, we are uniquely able to proactively provide recommendations and solutions for managing and insuring against the cost of risks. Risk is inherent to business. Controlling risk is inherent to business success. We employ a unique consultative process to provide our clients with innovative risk management solutions designed to prevent cost-inducing events and to limit or reduce your overall cost of insurance. The components of OneGroup’s in-depth, comprehensive approach to business risk management include: Business Insurance Business Insurance Solutions Typically, a broker will approach your business insurance needs by simply shopping for the “best” price they can achieve from selected carriers. At OneGroup, we have formed our entire business around the concept that buying insurance is the last step in the process. OneGroup starts with learning as much about your business operations as possible to truly understand your operations and objectives. Our experts work closely with you to learn what your business and industry risks are. We analyze your data to spot risk points and trends. We take the time to understand your long- and short-term personal and business goals. Only then do we piece it all together to make our recommendations for not only insurance, but ways to mitigate risks and transfer the cost of those risks. Sound different? We invite you to visit OneGroup Center to see first-hand how we’re different. When it does come time to be certain your business is protected by the best insurance coverage for your specific business needs, you can rest assured that OneGroup’s highly trained and experienced business risk specialists, backed by more than 170 experts and specialists from across the business spectrum, will have your back. Core business insurance coverages include: CEOs and CFOs are seeking innovative ways to lower benefits cost while providing quality benefits. Health insurance and benefits now make up 30% or more of employees’ total compensation, and represent one of the largest expenses for any business. OneGroup is uniquely qualified to provide innovate, out-of-the-box benefits solutions. With more than 170 experts and specialists from across the business spectrum and over 40 benefits professionals, OneGroup is equipped to analyze current benefits programs of any size, provide insightful consultation, design custom benefits plans, and place the various insurance packages. OneGroup takes a proactive role in providing innovative solutions to eliminate or reduce your risk and to successfully deal with the impact of unpredictable risk events. We simplify risk management by staying on top of risk management issues and threats so you don’t have to. We identify and assess the potential impact on your business and help communicate risk and risk solutions to your management team to help ensure you achieve corporate goals for efficiency, profitability and the long-term success of operations. Actuarial, Pension, Retirement and Trust Services for Businesses In addition to OneGroup’s more than 200 experts and specialists, businesses have access to additional high-value services from our affiliate partner, BPAS. BPAS has been the first-choice partner of financial intermediaries and advisors, brokers, plan sponsors, and plan participants since 1973. BPAS is a national provider of retirement plan and fund administration, transfer agency, collective investment fund, and other institutional trust services. BPAS supports 3,800 retirement plans, $52 billion in trust assets, $1 trillion in fund administration, and more than 400,000 participants. With its breadth of services, depth of creative talent, and financial resources, BPAS is well positioned to help clients solve all their benefit plan challenges without the need to engage multiple providers. One company. One call. OneGroup takes a proactive role in providing innovative solutions to eliminate or reduce your risk and to successfully deal with the impact of unpredictable risk events. We simplify risk management by staying on top of risk management issues and threats so you don’t have to. We identify and assess the potential impact on your business and help communicate risk and risk solutions to your management team to help ensure you achieve corporate goals for efficiency, profitability and the long-term success of operations.