Financial Institutions Inc.

The Parent is a financial holding company organized in 1931 under the laws of New York State ( New York or NYS ). The principal office of the Parent is located at 220 Liberty Street, Warsaw, New York 14569 and its telephone number is (585) 786-1100. The Parent was incorporated on September 15, 1931, but the continuity of the Company’s banking business is traced to the organization of the National Bank of Geneva on March 28, 1817. Except as the context otherwise requires, the Parent and its direct and indirect subsidiaries are collectively referred to in this report as the Company. The Parent’s common stock is traded on the Nasdaq Global Select Market under the ticker symbol FISI. The Parent’s primary business is the operation of its subsidiaries. It does not engage in any other substantial business activities. The Parent’s direct wholly-owned subsidiaries are: Five Star Bank, referred to as FSB or the Bank, which provides a full range of banking services to consumer, commercial and municipal customers in Western and Central New York, and commercial loans in the Mid-Atlantic region, through a loan production office in Ellicott City, Maryland (a suburb of Baltimore, Maryland), and the Central New York region, through an office in Syracuse, New York; and Courier Capital LLC, referred to as Courier Capital, which provides customized investment management, investment consulting and retirement plan services to individuals, businesses, institutions, foundations and retirement plans.