Financial Institutions Inc.

Peter G. Humphrey has been President and Chief Executive Officer of FII since 1994. Chairman of the Board of FII from 2001 to 2006. Director of the New York Bankers Association since 1999. Director of the Buffalo Branch of the Federal Reserve Bank of New York from 2001 to 2006. Chairman and Director of the Board of Wyoming County Bank from 1994 to 2005. Chairman of the Board of National Bank of Geneva from 2003 to 2005. Chairman of the Board of Bath National Bank from 2003 to 2005. Chairman of the Board of First Tier Bank & Trust from 1989 to 2005. Chairman and Director of Five Star Investment Services, Inc. since 1999. Director of Burke Group, Inc. from 2002 to 2005. President, Chief Executive Officer and Director of Five Star Bank since 2005.

Ronald A. Miller is Executive Vice President, Chief Financial Officer and Corporate Secretary of Financial Institutions, Inc.

Ralph Giraud is a Vice President and Portfolio Manager for Cumberland Advisors, specializing in Taxable Fixed Income for Financial Institutions. Mr. Giraud's particular specialization is in mortgage-backed securities. He has an M.S. Finance degree from the University of Colorado at Denver, and a B.S.B.A. degree in Marketing from Manhattan College in Riverdale, NY. Mr. Giraud is a member of the program committee of the Washington Association of Money Managers (WAMM), the marketing subcommittee of the Financial Analysts of Philadelphia (CFAP), and the membership committee of the Bond Club of Philadelphia (BCoP). He joined Cumberland Advisors in January 2006. He currently resides in Vineland, NJ. Mr. Giraud enjoys running and is active in local educational and charitable organizations.

Naushad graduated from Schulich School of Business. He is the founding partner of NMI Tax Consultants Inc - Tax Recovery & Management Service, specializing in Financial Institutions and Manufacturing & Construction Industries. Naushad has served on several local boards and National and International Non-Profit and Charitable Organizations. He is a founding member and currently the chairperson of SSN. He is also a board member of Family Services of York Region, PEACE tree initiative, and South Asian Heart Health Group (Toronto Public Health Initiative)

Elizabeth Tibbals Davy joined Sullivan & Cromwell as Special Counsel in October 1998 and became a partner of the Firm in January 2004. Ms. Davy is a member of the Financial Institutions group and is particularly active in the areas of banking regulation, supervision and enforcement. She advises clients on numerous bank regulatory and compliance issues, including issues relating to permissible investments and activities for bank holding companies, powers of state and national banks, affiliate transactions, trading activities, investment management activities and anti-money laundering compliance, including compliance with the USA PATRIOT Act. She has represented clients in mergers and acquisitions, bank formations and conversions, private equity investments, and foreign bank entry into the U.S., as well as in investigations involving allegations of money laundering, violations of banking laws and regulations, trading improprieties and Bank Secrecy Act reporting obligations. She was formerly a senior officer of the Federal Reserve Bank of New York's Legal Department and Bank Supervision Group and was Deputy Superintendent and Counsel of the New York State Banking Department. Ms. Davy served as Secretary to the Financial Markets Lawyers Group and was general counsel of the International Swaps & Derivatives Association. She is a frequent speaker at continuing legal education programs on banking and anti-money laundering issues.

James H. Wyckoff is faculty member at Curry School of Education at the University of Virginia since 2008. University Professor with the Departments of Public Administration and Economics at State University of New York Albany from 1986 thru 2007. Director of National Bank of Geneva from 2004 to 2005, and Five Star Bank since 2005.

Retired in 2005. President, CEO and Treasurer of Olean Wholesale Grocery Cooperative, Inc., and its subsidiaries from 1977 to 2005. Director of First Tier Bank & Trust from 2003 to 2005. Director of Five Star Bank since 2007.

John E. Benjamin is President of 3 Rivers Development Corporation, a not-for-profit business for the public and private economic development of businesses and government in the greater Corning, New York area. Director of Bath National Bank from 2001 to 2005, and Five Star Bank since 2005.

Senator Karen Keiser has represented the citizens of the 33rd Legislative District for then past ten years. She first served in the House and was appointed to the Senate in 2002. She ran and was elected to the Senate in November, 2002 and is running for re-election this year. This election cycle, Karen is also serving as chair of the Senate Democratic Campaign Committee. In the Senate, Karen serves as the Chair of the Health and Long Term Care Committee, and is a member of the Financial Institutions, Housing and Labor and Commerce, Research and Development Committees. Karen serves as a Board Member for the Judson Park Retirement Community and the Economic Oppotunity Institute and the Washington Coalition for Open Government. She is also a former trustee for the Board at Highline Community College. Karen has lived in the 33rd District for more than twenty-five years. She has two sons and a daughter, ages 20, 22 and 25. Senator Keiser recently retired as communications director of the Washington State Labor Council. She has a Masters Degree in Journalism from the University of California and is a former journalist.

Karl V. Anderson has been an Attorney at Law since 1972. President and CEO of Bank of Avoca from 1980 to 2002. Director of Bath National Bank from 2002 to 2005 and Director of National Bank of Geneva in 2005. Director of Five Star Bank since 2006.

Robert N. Latella has been Partner and attorney with the law firm Hiscock & Barclay, LLP since 2004. Partner and attorney with the law firm Jaeckle Fleischmann & Mugel, LLP from 2000 to 2004. Director of Five Star Bank since 2005.

Mr. Copher was named Chief Financial Officer and Senior Vice President in December 2006. Mr. Copher is a certified public accountant who has worked in the financial services industry for 24 years.

Samuel M. Gullo is owner and operator of Family Furniture, a retail furniture sales business; Chief Executive Officer of American Classic Outfitters, Inc., an apparel manufacturer. Director of Wyoming County Bank from 1996 to 2005, and Five Star Bank since 2005.

Susan R. Holliday has been President and Publisher of the Rochester Business Journal, Inc., a business newspaper, since 1988. Director of Five Star Bank since 2005.