| Community Bank System, Inc. (NYSE: CBU) is a registered bank holding company based in
DeWitt, New York, with assets of $3.3 billion. Its wholly-owned banking subsidiary, Community Bank, N.A.is the second largest community banking franchise headquartered in Upstate New York, having 119 customer facilities and 88 ATM's. Other subsidiaries within the CBSI family are Elias Asset Management, Inc.; Benefit Plans Administrative Services, Inc.; and Community Investment Services, Inc. |