Bank Subsidiaries*

Five Star Bank was founded in December 2005 when Financial Institutions, Inc. merged its four bank subsidiaries. Five Star Bank has $1.9 billion in assets and does business in 14 contiguous counties in Western and Central New York. Five Star Bank offers its customers the service and convenience of a network of 50 branches and over 70 ATMs.

Non-Bank Subsidiary

Five Star Investment Services member NASD, SIPC and a licensed insurance agency, was founded in 1999. Five Star Investment Services provides customers with qualified, experienced investment advice including, Financial Planning, Risk Assessment, Asset Allocation and more. Customers can select from a wide array of investment choices. Five Star Investment Services operates offices in many Five Star Bank subsidiary branch locations.

Investments are: NOT A DEPOSIT ? NOT FDIC INSURED ? MAY LOSE VALUE ? NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ? NOT GUARANTEED BY THE BANKS

*All Banks Member FDIC