Financial Institutions, Inc. provides diversified financial services through its subsidiaries Five
Star Bank, SDN Insurance Agency, LLC ("SDN"), Courier Capital, LLC (“Courier Capital”) and HNP
Capital, LLC (“HNP Capital”). Five Star Bank provides a wide range of consumer and commercial
banking and lending services to individuals, municipalities and businesses through a network of more
than 45 offices throughout Western and Central New York State. SDN provides a broad range of
insurance services to personal and business clients. Courier Capital and HNP Capital provide
customized investment management, investment consulting and retirement plan services to individuals,
businesses, institutions, foundations and retirement plans.