Berkshire Hills Bancorp (Berkshire) is a holding company for the Berkshire Bank (the Bank) and Berkshire Insurance Group (BIG). The Bank has 75 full-service banking offices serving communities throughout Western Massachusetts, Northeastern New York and in Southern Vermont. The Bank operates in four regions: Berkshire County Region, New York Region, Springfield Region and Vermont Region. It offers a range of deposit, lending, insurance, and wealth management products to retail, commercial, not-for-profit, and municipal customers in its market areas. It operates in two segments: Banking and Insurance. Banking includes the activities of the Bank and its subsidiaries, which provide commercial and retail banking services. In January 2014, Berkshire Hills Bancorp Inc announced that banking subsidiary, Berkshire Bank, completed the acquisition of 20 retail bank locations from Bank of America.