Western New England Bancorp, Inc. is the bank holding company for Westfield Bank (the “Bank”), a federally chartered stock savings bank. Westfield Bank conducts its operations out of the Bank’s main office in Westfield, Massachusetts. It also operates through twenty other banking offices located in Agawam, Chicopee, East Longmeadow, Feeding Hills, Holyoke, Ludlow, Southwick, South Hadley, Springfield, Ware, West Springfield and Westfield, Massachusetts, and Granby and Enfield, Connecticut. Its deposits are gathered from the general public in these towns and surrounding communities, and its lending activities are concentrated primarily in Hampden County, Massachusetts and northern Connecticut.