Jim Cahill, Manager jimc@territorymortgage.com Utica Branch 116 Business Park Drive Utica, NY 13502 888-792-8021 Fax: 315-792-0002 Tom Devlin, Manager tdevlin@territorymortgage.com Southern Tier Area Branch 161 Prescott Avenue, Suite#1 Elmira Heights, NY 14903 877-578-0598 Fax: 607-767-1187 Peggy Gray, Manager Peggy@territorymortgage.com Buffalo Area Branch 4230 North Buffalo Road, Suite #3 Orchard Park, NY 14127 716-667-9660 Fax: 716-667-9690 Dan Holzhauer, Manager Dholz@territorymortgage.com Syracuse Area Branch 43 Oswego Street Baldwinsville, NY 13027 888-525-7335 Fax: 315-635-5894 Kevin Schuman, Manager kschuman@territorymortgage.com Gates Branch 2765 Buffalo Road Rochester, NY 14624 585-247-4610 Fax: 585-247-4654 Greg Donohue, Branch Manager gregd@territorymortgage.com North Carolina Branch 1101 Tyvola Road, Suite 313 Charlotte, NC 28217 704-521-1221 Fax: 704-521-1283 Arvo Kaseorg, Lending Manager arvo@territorymortgage.com North Carolina Branch 1101 Tyvola Road, Suite 313 Charlotte, NC 28217 704-521-1221 Fax: 704-521-1283 Kevin O'Connell, Branch Manager koconnell@territorymortgage.com West Seneca Branch 2628 Seneca Street West Seneca, NY 14224 877-827-6555 Fax: 716-827-6556