COMMUNITY FINANCIAL SYSTEM, INC.

Community Financial System, Inc. is a bank holding company operating through Community Bank, N.A., serving retail, commercial, institutional, and municipal customers primarily in the Northeast. The company provides a comprehensive range of banking services including deposit products (checking, savings, money market, and time deposits), consumer and commercial lending, mortgage origination, and installment loans secured by vehicles and other assets. Beyond traditional banking, the company operates a full-service insurance agency offering personal and commercial coverage, along with wealth management, retirement planning, and investment advisory services.

The company operates through three primary segments: Banking, which encompasses deposit-taking and lending activities; Employee Benefit Services, providing retirement plan administration, benefit consulting, fund administration, and transfer agency services; and All Other operations. Within banking, the loan portfolio spans consumer mortgages, commercial and industrial loans, commercial real estate mortgages, home equity products, and specialty lending programs. The company also offers cash management, treasury services, asset management, and broker-dealer capabilities to institutional clients.

Headquartered in DeWitt, New York, Community Financial System was founded in 1866 and maintains operations across the Northeast region. The company serves customers through Community Bank, N.A. and operates as both a financial services provider and real estate investor, with involvement in residential and commercial real estate activities.