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History 1891 Lake Shore Savings Chartered 1926 Located on current site at: 128 East Fourth Street, Dunkirk, NY 1936 Assets of $1,223,707 1948 Assets of $2,159,132 1968 Assets of $8,904,500 1977 Renovation of 128 East Fourth St site; addition of drive through facilities 1987 Purchased property at: 85 West Main Street, Fredonia, NY Opened first branch office, December 7th Combined assets in excess of $63 million 1988 Expansion of Dunkirk location Assets at $71 million 1991 100th Year of Service! Assets exceed $98 million Expansion of Fredonia location 1993 Installation of ATM units at Dunkirk and Fredonia locations Assets exceed $115 million 1995 Mortgage office opens in Jamestown, NY 1996 A full service location opens at the Wegmans Plaza: 1 Green Avenue WE, Jamestown, NY Assets exceed $135 million

1997 In response to customer demand, Lake Shore Savings opens a 2nd full service location at: 115 East Fourth Street, Jamestown, NY 1998 Installation of ATM unit at the D&F Plaza located at: 1170 Central Avenue, Dunkirk, NY Opening of Westfield branch located at: 106 East Main Street, Westfield, NY Assets exceed $170 million 1999 Lake Shore Savings conquered the Y2K challenge with a smooth transition into the new century Installation of D.A.S.H. (Direct Access Secure Hotline) with 24/7 access to all customer accounts Assets exceed $183 million 2000 Assets exceed $200 million 2003 Two full service locations open in Erie County: 3111 Union Road, Orchard Park, NY and 5751 Transit Road, East Amherst, NY Accounting and Loan Department relocates to: 31 East Fourth Street in Dunkirk, NY Assets exceed $300 million 2005 Opened full service location at 59 Main St. Hamburg, NY 14075 Assets Exceed $333 million. 2006 Opened 2 ATM locations at Smith’s True Value Hardware Rt. 5& 20 Irving , NY 14081 and on the SUNY Fredonia Campus at 280 Central Ave. Fredonia , NY 14063 Assets Exceed $354 million. 2008 Opened full service location in the Ken-Ton area at 3438 Delaware Ave , Kenmore , NY 14217 Completed the renovation of our Dunkirk branch Added an ATM location at the Dunkirk Boardwalk at The Dunkirk Pier, Dunkirk , NY 14048 Assets Exceed $407 million.

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