Community Bank System Investor Relations Material

Community Bank System, Inc. operates as the bank holding company for Community Bank, N.A., a savings bank that provides various banking and other financial services to retail, commercial, and municipal customers. The company offers checking accounts, NOW accounts, money market deposit accounts, savings accounts, certificates of deposit, Individual Retirement Accounts, interest-earning checking accounts, as well as consumer loans; and securities brokerage services. It also provides non-retail checking services; merchant services; mailbox rentals; automatic teller machines: electronic certificates of deposit; cash management and treasury management services; personal financial planning services; and specialized financial consulting services to individual customers. Community Bank System, Inc. was founded in 1866 and is headquartered in DeWitt, New York.