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<url><loc>https://stock.noler.com/us/stock/chmg/activist-13d-13g</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/amortization</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/analyst-ratings-buy</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/aoci</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/assets-sold-under-agreements-to-repurchase-interest-rate</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/auditor</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/bank-owned-life-insurance</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/basic-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/business</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/buybacks-share-repurchases</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/debt-securities-realized-gain-loss</loc></url>
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<url><loc>https://stock.noler.com/us/stock/chmg/deferred-tax-liabilities-leasing-arrangements</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deferred-tax-liabilities-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deferred-tax-liabilities-prepaid-expenses</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deferred-tax-liabilities-prepaid-pension-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deferred-tax-liabilities-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/defined-benefit-plan-curtailments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/defined-benefit-plan-service-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/defined-contribution-plan-cost-recognized</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deposits-money-market-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deposits-negotiable-order-of-withdrawal-now</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/deposits-savings-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/depreciation</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/derivative-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/derivative-collateral-obligation-to-return-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/derivative-gain-loss-on-derivative-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/derivative-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/diluted-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dilutive-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dividend-safety</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dividends-common-stock-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dividends-payable-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dividends-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/dividends-per-share</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/earnings-per-share-basic-and-diluted</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/ebitda</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/ebitda-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/effective-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/employee-count</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/eps</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/eps-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/equipment-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/equity-method-investment-other-than-temporary-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/equity-securities-fv-ni</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/equity-securities-fv-ni-and-without-readily-determinable-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/equity-securities-fv-ni-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/executive-pay-pvp</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/executive-salary-officers</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/expense-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/fair-value-assets-level-1-to-level-2-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/fair-value-assets-level-2-to-level-1-transfers-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-deposit-insurance-corporation-premium-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-branch-of-fhlb-bank-amount-of-advances-by-branch</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-branch-of-fhlb-bank-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-general-debt-obligations-disclosures-amount-of-available-unused-funds</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-general-debt-obligations-disclosures-collateral-pledged</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-general-debt-obligations-disclosures-maximum-amount-available</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-general-debt-obligations-disclosures-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-long-term</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-maturities-summary-in-next-rolling-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-maturities-summary-in-rolling-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-maturities-summary-in-rolling-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-maturities-summary-in-rolling-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-maturities-summary-in-rolling-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-advances-weighted-average-interest-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/federal-home-loan-bank-stock-and-federal-reserve-bank-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/fees-and-commissions-credit-and-debit-cards</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/fees-and-commissions-credit-cards</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/fees-and-commissions-depositor-accounts</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/fees-and-commissions-fiduciary-and-trust-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-payments-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-principal-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-right-of-use-asset</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-right-of-use-asset-accumulated-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-right-of-use-asset-before-accumulated-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finance-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financial-instruments-owned-and-pledged-as-collateral-at-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financial-services-revenue</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-accrued-interest-before-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-acquired-with-deteriorated-credit-quality</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-loss-excluding-accrued-interest</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-loss-writeoff-after-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses-acquired-with-deteriorated-credit-quality</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-allowance-for-credit-losses-write-offs</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-collectively-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-after-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-allowance-for-credit-loss-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-allowance-for-credit-loss-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-allowance-for-credit-loss-writeoff-after-recovery</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-before-allowance-for-credit-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-credit-loss-expense-reversal</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-originated-more-than-five-years-before-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-originated-more-than-five-years-before-current-fiscal-year-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-revolving</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-revolving-converted-to-term-loan</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-revolving-converted-to-term-loan-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-revolving-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-five-originated-four-years-before-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-five-originated-four-years-before-current-fiscal-year-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-four-originated-three-years-before-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-four-originated-three-years-before-current-fiscal-year-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-one-originated-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-one-originated-current-fiscal-year-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-three-originated-two-years-before-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-three-originated-two-years-before-current-fiscal-year-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-two-originated-fiscal-year-before-current-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-excluding-accrued-interest-year-two-originated-fiscal-year-before-current-fiscal-year-writeoff</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-individually-evaluated-for-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-number-of-contracts-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-post-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-post-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-pre-modification-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-pre-modification-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-subsequent-default-number-of-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-subsequent-default-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-modifications-subsequent-default-recorded-investment-1</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-nonaccrual-no-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-recorded-investment-90-days-past-due-and-still-accruing</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-recorded-investment-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-recorded-investment-nonaccrual-status</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivable-recorded-investment-past-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/financing-receivables-impaired-troubled-debt-restructuring-write-down</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-accumulated-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-amortization-expense-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finite-lived-intangible-assets-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/finitelived-intangible-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/foreclosed-real-estate-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/form-144-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/form-n-port-stocks</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gain-loss-on-disposition-of-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gain-loss-on-sale-of-equity-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gain-loss-on-sale-of-property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gain-loss-on-sale-of-securities-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gain-loss-on-sales-of-loans-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gain-loss-related-to-litigation-settlement</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gains-losses-on-sales-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/goodwill-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/goodwill-impairment-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/goodwill-purchase-accounting-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/graph</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/gross-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-accumulated-unrecognized-holding-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-accumulated-unrecognized-holding-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-after-five-through-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-after-five-through-ten-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-after-one-through-five-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-after-one-through-five-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-after-ten-years-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-after-ten-years-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-single-maturity-date-amortized-cost-basis</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-single-maturity-date-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-within-one-year-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-debt-maturities-within-one-year-net-carrying-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-sold-security-realized-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/held-to-maturity-securities-unrecognized-holding-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/heldtomaturity-securities-sold-security-realized-gain-loss-excluding-other-than-temporary-impairments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/heldtomaturity-securities-unrecognized-holding-gain</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-related-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-unpaid-principal-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-with-no-related-allowance-average-recorded-investment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impaired-financing-receivable-with-no-related-allowance-interest-income-accrual-method</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/impairment-of-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/included-in-etf</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/income-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/income-tax-at-federal-statutory-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/income-tax-expense-benefit-adjustment-of-deferred-tax-asset-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/income-tax-paid-federal-after-refund-received</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/income-taxes-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/income-taxes-paid-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-accrued-interest-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-debt-securities-trading</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-interest-payable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-other-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-other-operating-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-other-operating-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/increase-decrease-in-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/incremental-common-shares-attributable-to-participating-nonvested-shares-with-non-forfeitable-dividend-rights</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/information-technology-and-data-processing</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/insider-transactions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/intangible-assets-net-excluding-goodwill</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-and-dividend-income-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-and-fee-income-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-bearing-deposits-in-banks</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense-on-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense-operating</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense-securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-expense-time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-income-deposits-with-financial-institutions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-income-expense-after-provision-for-loan-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-income-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-income-federal-funds-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-income-securities-tax-exempt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-income-securities-taxable</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-paid</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-paid-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-payable-current-and-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/interest-receivable-and-other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/investing-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/investment-income-interest-and-dividend</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/iran-activity-notices-irannotice</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/labor-and-related-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/late-filing-notices-nt-10-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/lease-and-rental-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/legal-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/lessee-operating-lease-liability-payments-remainder-of-fiscal-year</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/lessee-operating-lease-liability-undiscounted-excess-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/level-3-asset-gain-loss-included-in-oci-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/level-3-asset-purchases-sales-issuances-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/level-3-asset-transfers-into-level</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/level-3-asset-transfers-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/level-3-asset-transfers-out-of-level</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/level-3-asset-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/litigation-settlement-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loan-portfolio-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-and-leases-receivable-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-and-leases-receivable-net-of-deferred-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-and-leases-receivable-net-reported-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-and-leases-receivable-related-parties-additions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-and-leases-receivable-related-parties-collections</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-and-leases-receivable-related-parties-proceeds</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-receivable-held-for-sale-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-receivable-held-for-sale-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/loans-receivable-held-for-sale-net-not-part-of-disposal-group</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/longterm-federal-home-loan-bank-advances-noncurrent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/market-cap</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/marketing-and-advertising-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/material-contracts</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/maturities-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-cash-from-financing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-cash-from-investing-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-cash-from-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-change-in-cash</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-income-loss-available-to-common-stockholders-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/net-periodic-defined-benefits-expense-reversal-of-expense-excluding-service-cost-component</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/new-accounting-pronouncement-or-change-in-accounting-principle-cumulative-effect-of-change-on-equity-or-net-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/news</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/non-peo-neo-avg-comp-actually-paid-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/non-peo-neo-avg-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/noncash-or-part-noncash-acquisition-value-of-assets-acquired</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/noninterest-bearing-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/noninterest-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/noninterest-income-other-operating-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/notes-receivable-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/notes-receivable-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/notes-receivable-related-parties</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/number-of-operating-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/number-of-reportable-segments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/occupancy-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-amortization-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-prior-service-cost-credit-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-amortization-of-defined-benefit-plan-net-prior-service-cost-recognized-in-net-periodic-pension-cost-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-amortization-pension-and-other-postretirement-benefit-plans-net-prior-service-cost-recognized-in-net-periodic-benefit-cost-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-adjustment-before-reclassification-adjustments-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-adjustment-before-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-adjustment-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-available-for-sale-tax-3</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-before-reclassifications-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-before-reclassifications-net-of-tax-attributable-to-parent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plan-net-prior-service-cost-credit-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plans-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plans-adjustment-before-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plans-adjustment-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-defined-benefit-plans-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-finalization-of-pension-and-non-pension-postretirement-plan-valuation-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-net-of-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-net-of-tax-change</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-pension-and-other-postretirement-benefit-plans-adjustment-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-pension-and-other-postretirement-benefit-plans-adjustment-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-pension-and-other-postretirement-benefit-plans-net-unamortized-gain-loss-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-pension-and-other-postretirement-benefit-plans-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-reclassification-adjustment-from-aoci-for-sale-of-securities-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-reclassification-adjustment-from-aoci-pension-and-other-postretirement-benefit-plans-for-net-gain-loss-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-reclassification-of-defined-benefit-plans-net-gain-loss-recognized-in-net-periodic-benefit-cost-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-reclassification-of-defined-benefit-plans-net-gain-loss-recognized-in-net-periodic-benefit-cost-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-securities-sale-reclassification-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-securities-sale-reclassification-before-tax-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-unrealized-holding-gain-loss-on-securities-arising-before-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/oci-unrealized-holding-gain-loss-on-securities-arising-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/off-balance-sheet-credit-loss-liability-credit-loss-expense-reversal</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-cash-flow</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-2</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-current</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-in-five-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-in-four-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-in-three-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-in-two-years</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-next-twelve-months</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-thereafter</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-payments-due-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-right-of-use-asset-amortization-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-lease-weighted-average-discount-rate-percent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-leases-rent-expense-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/operating-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/options-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-expenses</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-noninterest-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-real-estate-and-foreclosed-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-credit-losses-recognized-in-earnings-additions-additional-credit-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-credit-losses-recognized-in-earnings-additions-no-previous-impairment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-credit-losses-recognized-in-earnings-credit-losses-on-debt-securities-held</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-cash-flows</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-credit-losses-recognized-in-earnings-reductions-securities-sold</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-losses-investments-portion-in-oci-before-tax-including-portion-attributable-to-noncontrolling-interest-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-losses-investments-portion-in-oci-net-of-tax-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-losses-investments-portion-in-oci-net-of-tax-heldtomaturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/other-than-temporary-impairment-losses-investments-portion-recognized-in-earnings-net</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/outstanding-bonds</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/paid-in-capital-share-based-compensation-restricted-stock-units-requisite-service-period-recognition</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/participating-securities-distributed-and-undistributed-earnings-loss-basic</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/patents-active</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-for-legal-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-for-origination-and-purchases-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-for-proceeds-from-loans-and-leases</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-for-proceeds-from-loans-receivable</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-for-purchase-of-investment-operating-activity</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-of-debt-issuance-costs</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-to-acquire-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-to-acquire-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-to-acquire-businesses-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-to-acquire-federal-reserve-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-to-acquire-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/payments-to-acquire-trading-securities-heldforinvestment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pb-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pe-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pension-and-other-postretirement-benefit-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pension-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/peo-actually-paid-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/peo-total-comp-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pledged-financial-instruments-not-separately-reported-securities-pledged</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pre-tax-margin</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/preferred-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pretax-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/pretax-income-minority-interest-and-income-loss-from-equity-method-investments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/previous-etf-holding-it</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/price-fcf-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-federal-home-loan-bank-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-issuance-of-subordinated-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-life-insurance-policies</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-long-term-capital-lease-obligations</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-payments-for-in-securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-payments-for-trading-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-repayments-of-other-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-and-maturity-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-and-maturity-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-available-for-sale-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-available-for-sale-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-federal-reserve-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-finance-receivables</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-held-to-maturity-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-loans-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-machinery-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-productive-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-property-plant-and-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-securities-operating-activities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-trading-securities-heldforinvestment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/proceeds-from-sale-of-treasury-stock</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/professional-fees</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/profit-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/property-plant-and-equipment-and-finance-lease-right-of-use-asset-after-accumulated-depreciation-and-amortization</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/property-plant-and-equipment-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/property-plant-equipment</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/provision-for-loan-and-lease-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/provision-for-loan-lease-and-other-losses</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/provision-for-loan-losses-expensed</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/ps-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/public-float</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/purchase-obligations-balance-sheet-amount</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/quick-ratio</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/range-of-possible-loss-maximum</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/real-estate-owned-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/real-estate-owned-valuation-allowance-component</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/realized-gain-loss-investment-and-derivative-operating-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/reclassification-from-accumulated-oci-current-period-net-of-tax</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/reclassification-from-aoci-current-period-net-of-tax-attributable-to-parent</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/related-party-deposit-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/repayments-of-federal-home-loan-bank-borrowings</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/repayments-of-long-term-capital-lease-obligations</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/restricted-cash-and-cash-equivalents</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/restricted-stock-award-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/restricted-stock-expense</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/retained-earnings</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/return-on-tangible-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/revenue-breakdown</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/right-of-use-asset-obtained-in-exchange-for-finance-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/right-of-use-asset-obtained-in-exchange-for-operating-lease-liability</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/roa</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/roe</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/roi</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/salaries-and-wages</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/scorecard</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-comment-letters-upload</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-enforcement-actions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-filings-10-q</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-filings-25-nse</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-filings-8-k</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-filings-px14a6g</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/sec-filings-s-4</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/secondary-offerings</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/securities-loaned-or-sold-under-agreements-to-repurchase-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/securities-sold-under-agreements-to-repurchase</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/securities-sold-under-agreements-to-repurchase-fair-value-of-collateral</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/securities-sold-under-agreements-to-repurchase-gross</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/security-owned-and-pledged-as-collateral-fair-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/segment-expenditure-addition-to-long-lived-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/shareholders-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/shares-authorized</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/shares-issued</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/shares-outstanding</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/short-sale-volume</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/statutory-accounting-practices-statutory-amount-available-for-dividend-payments-without-regulatory-approval</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-compensation-unrecognized-cost</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-granted-value-share-based-compensation-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-shares-restricted-stock-award-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-shares-share-based-compensation-forfeited</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-shares-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-value-restricted-stock-award-forfeitures</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-shares-issued-value-treasury-stock-reissued</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-value-of-shares-issued-for-acquisitions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-issued-value-of-shares-issued-for-stock-awards</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stock-splits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/stockholders-equity-including-portion-attributable-to-noncontrolling-interest-adjusted-balance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/subordinated-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/subsidiaries</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-cuts-and-jobs-act-change-in-tax-rate-income-tax-expense-benefit</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-rate-reconciliation-at-federal-statutory-income-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-rate-reconciliation-change-in-deferred-tax-assets-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-rate-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-rate-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-rate-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-change-in-deferred-tax-assets-valuation-allowance</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-change-in-enacted-tax-rate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-deductions-dividends</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-deductions-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-nondeductible-expense-other</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-other-adjustments</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-state-and-local-income-taxes</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tax-reconciliation-tax-exempt-income</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-leverage-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-leverage-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-leverage-capital-required-for-capital-adequacy-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-leverage-capital-to-average-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-risk-based-capital</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-risk-based-capital-required-for-capital-adequacy</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-risk-based-capital-required-for-capital-adequacy-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/tier-one-risk-based-capital-to-risk-weighted-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposit-maturities-after-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposit-maturities-year-five</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposit-maturities-year-four</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposit-maturities-year-one</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposit-maturities-year-three</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposit-maturities-year-two</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposits-100000-or-more</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/time-deposits-at-or-above-fdic-insurance-limit</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/total-assets</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/total-liabilities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/total-liabilities-and-equity</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/total-long-term-debt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/total-shareholder-rtn-amt</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/trading-securities</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/trading-securities-fair-value-disclosure</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/trading-securities-unrealized-holding-gain-loss</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/transfer-of-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/transfer-of-portfolio-loans-and-leases-to-held-for-sale</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/transfer-to-other-real-estate</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/treasury-stock-common-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/treasury-stock-common-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/treasury-stock-shares</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/treasury-stock-value</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/unrealized-gain-loss-on-derivatives</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/unrecognized-tax-benefits</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/utb-decrease-from-settlements</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/utb-increase-from-current-year-positions</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/utb-interest-on-income-taxes-accrued</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/weighted-average-number-of-share-outstanding-basic-and-diluted</loc></url>
<url><loc>https://stock.noler.com/us/stock/chmg/workers-compensation-discount-percent</loc></url>
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