COMMUNITY FINANCIAL SYSTEM, INC.

Community Bank System, Inc. is a financial holding company providing a wide range of banking and financial services. The company's primary function is to deliver traditional retail and commercial banking services through its subsidiary, Community Bank, N.A. This includes offering deposit, loan, and treasury management services to individuals, businesses, and municipal clients. Community Bank System, Inc. is especially notable for its footprint in Northeastern U.S., with a significant presence in New York and Pennsylvania. Additionally, the company extends its services to personal mortgages, business lending, and wealth management through various subsidiaries. Community Bank System, Inc. also provides insurance and employee benefits consulting services, further broadening its impact on diverse financial sectors. Established entities and customers benefit from its comprehensive financial solutions and community-focused approach. With its expansive network and deep-rooted regional operations, Community Bank System, Inc. plays a critical role in supporting economic activities and financial growth in its operating regions.