<SEC-DOCUMENT>0001299933-15-001288.txt : 20150826
<SEC-HEADER>0001299933-15-001288.hdr.sgml : 20150826
<ACCEPTANCE-DATETIME>20150826160619
ACCESSION NUMBER:		0001299933-15-001288
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20150826
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20150826
DATE AS OF CHANGE:		20150826

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FINANCIAL INSTITUTIONS INC
		CENTRAL INDEX KEY:			0000862831
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				160816610
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26481
		FILM NUMBER:		151076103

	BUSINESS ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
		BUSINESS PHONE:		5857861100

	MAIL ADDRESS:	
		STREET 1:		220 LIBERTY STREET
		CITY:			WARSAW
		STATE:			NY
		ZIP:			14569
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>htm_52340.htm
<DESCRIPTION>LIVE FILING
<TEXT>
<!-- CoverPageHeader start -->
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 3.2//EN">
<HTML>
<HEAD>
<TITLE> Financial Institutions, Inc. (Form: 8-K) </TITLE>
</HEAD>
<BODY TEXT="#000000" BGCOLOR="#FFFFFF" ALINK="#0000FF" HLINK="#FF0000" VLINK="#800080">
<!-- Comment1 -->
<A NAME="DOCUMENT_TOP">&nbsp;</A>
<P>
<!-- CoverPageHeader end --><!-- CoverPageTitle START -->
<A NAME="DOCUMENT_TOP">&nbsp;</A>
<HR NOSHADE>
<P>
<P ALIGN="CENTER">
<FONT SIZE="4">
		UNITED STATES<BR>
	SECURITIES AND EXCHANGE COMMISSION
</FONT>
<BR>
<FONT SIZE="2">
	WASHINGTON, D.C. 20549
</FONT>
<P ALIGN="CENTER">
<FONT SIZE="5">
	FORM 8-K
</FONT>
<FONT SIZE="2">

</FONT>
</P>
<P ALIGN="CENTER">
<FONT SIZE="3">
	CURRENT REPORT
</FONT>
</P>
<P ALIGN="CENTER">
<FONT SIZE="2">
	Pursuant to Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934
</FONT>
</P>
<CENTER>
<TABLE CELLSPACING="0" BORDER="0" CELLPADDING="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
<TD WIDTH="51%">
	&nbsp;
</TD>
<TD WIDTH="5%">
	&nbsp;
</TD>
<TD WIDTH="44%">
	&nbsp;
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	Date of Report (Date of Earliest Event Reported):
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	August 26, 2015
</FONT>
</TD>
</TR>
</TABLE>
<BR>
</CENTER>
<!-- CoverPageTitle END --><!-- CoverPageRegistrant START -->
<P ALIGN="CENTER"><!-- -->
<FONT SIZE="6">
	Financial Institutions, Inc.
</FONT>
<FONT SIZE="2">
<BR>__________________________________________<BR>
	(Exact name of registrant as specified in its charter)
</FONT>
<CENTER>
<TABLE CELLSPACING="0" BORDER="0" CELLPADDING="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
<TD WIDTH="33%">
	&nbsp;
</TD>
<TD WIDTH="34%">
	&nbsp;
</TD>
<TD WIDTH="33%">
	&nbsp;
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	New York
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	0-26481
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	16-0816610
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
_____________________<BR>
	(State or other jurisdiction
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
_____________<BR>
	(Commission
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
______________<BR>
	(I.R.S. Employer
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	of incorporation)
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	File Number)
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	Identification No.)
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;&nbsp;
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	220 Liberty Street, Warsaw, New York
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	14569
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
_________________________________<BR>
	(Address of principal executive offices)
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
___________<BR>
	(Zip Code)
</FONT>
</TD>
</TR>
</TABLE>
</CENTER>
<CENTER>
<TABLE CELLSPACING="0" BORDER="0" CELLPADDING="0" WIDTH="100%">

<TR VALIGN="BOTTOM">
<TD WIDTH="51%">
	&nbsp;
</TD>
<TD WIDTH="5%">
	&nbsp;
</TD>
<TD WIDTH="44%">
	&nbsp;
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	Registrant&#146;s telephone number, including area code:
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="CENTER" VALIGN="TOP">
<FONT SIZE="2">
	585-786-1100
</FONT>
</TD>
</TR>
</TABLE>
</CENTER>
<P ALIGN="CENTER">
<FONT SIZE="2">
	Not Applicable
<BR>______________________________________________<BR>
	Former name or former address, if changed since last report
</FONT>
<P ALIGN="CENTER">
<FONT SIZE="2">
	&nbsp;
</FONT>
<!-- CoverPageRegistrant END --><P><FONT SIZE="2">
Check the appropriate box below if the Form 8-K filing is intended to
simultaneously satisfy the filing obligation of the registrant under any
of the following provisions:</FONT>
</P>
<P><FONT SIZE="2">
[&nbsp;&nbsp;]&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))<br>
[&nbsp;&nbsp;]&nbsp;&nbsp;Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))<br>
</P></FONT><!-- PageBreak START -->
<P>
<HR NOSHADE>
<DIV ALIGN="LEFT" STYLE="PAGE-BREAK-BEFORE:ALWAYS">
<A HREF="#DOCUMENT_TOP">
<U>
<B>
<FONT SIZE="2">Top of the Form</FONT>
</B>
</U>
</A>
</DIV>
<!-- PageBreak END --><!-- Item START -->
<P ALIGN="LEFT">
<FONT SIZE="2">
<B>
	Item 8.01 Other Events.
</B>
</FONT>
</P>
<P ALIGN="LEFT">
<FONT SIZE="2">
On August 26, 2015, Financial Institutions, Inc. issued a press release announcing the declaration of a cash dividend of $0.20 per common share.  The Company also announced dividends of $0.75 per share on Series A 3% Preferred Stock and $2.12 per share on Series B-1 8.48% Preferred Stock.  All dividends are payable October 2, 2015 to shareholders of record as of September 10, 2015.<br><br>A copy of the press release is furnished as Exhibit 99.1 to this Form 8-K.
</FONT>
</P>
<!-- Item END -->
<BR><BR><BR><BR><!-- Item START -->
<P ALIGN="LEFT">
<FONT SIZE="2">
<B>
	Item 9.01 Financial Statements and Exhibits.
</B>
</FONT>
</P>
<P ALIGN="LEFT">
<FONT SIZE="2">
(d) Exhibits<br><br>    Exhibit 99.1 Press Release issued by Financial Institutions, Inc. on August 26, 2015
</FONT>
</P>
<!-- Item END -->
<BR><BR><BR><BR><P ALIGN="LEFT" STYLE="FONT-SIZE: 10PT"></P><!-- PageBreak START -->
<P>
<HR NOSHADE>
<DIV ALIGN="LEFT" STYLE="PAGE-BREAK-BEFORE:ALWAYS">
<A HREF="#DOCUMENT_TOP">
<U>
<B>
<FONT SIZE="2">Top of the Form</FONT>
</B>
</U>
</A>
</DIV>
<!-- PageBreak END --><!-- SignatureHeader START -->
<P ALIGN="CENTER">
<FONT SIZE="2">
<B>
	SIGNATURES
</B>
</FONT>
</P>
<P ALIGN="LEFT">
<FONT SIZE="2">
	Pursuant to the requirements of the Securities Exchange Act of 1934, the
	registrant has duly caused this report to be signed on its behalf by the
	undersigned hereunto duly authorized.
</FONT>
</P>
<!-- SignatureHeader END --><!-- Signature START -->
<CENTER>
<TABLE CELLSPACING="0" BORDER="0" CELLPADDING="0" WIDTH="100%">
<TR VALIGN="BOTTOM">
<TD WIDTH="19%">
	&nbsp;
</TD>
<TD WIDTH="34%">
	&nbsp;
</TD>
<TD WIDTH="3%">
	&nbsp;
</TD>
<TD WIDTH="1%">
	&nbsp;
</TD>
<TD WIDTH="43%">
	&nbsp;
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD COLSPAN="3" VALIGN="TOP" ALIGN="LEFT">
<FONT SIZE="2">
	Financial Institutions, Inc.
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD VALIGN="TOP">
<FONT SIZE="2">
<I>
	August 26, 2015
</I>
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
<I>
	By:
</I>
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
<I>
	/s/ Kevin B. Klotzbach
</I>
<BR>
</FONT>
</TD>
</TR>
<TR>
<TD VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<HR SIZE="1" NOSHADE>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
<I>
	Name: Kevin B. Klotzbach
</I>
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD>
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP">
<FONT SIZE="2">
<I>
	Title: Executive Vice President, Chief Financial Officer and Treasurer
</I>
</FONT>
</TD>
</TR>
</TABLE>
</CENTER>
<!-- Signature END --><!-- PageBreak START -->
<P>
<HR NOSHADE>
<DIV ALIGN="LEFT" STYLE="PAGE-BREAK-BEFORE:ALWAYS">
<A HREF="#DOCUMENT_TOP">
<U>
<B>
<FONT SIZE="2">Top of the Form</FONT>
</B>
</U>
</A>
</DIV>
<!-- PageBreak END --><P ALIGN="CENTER">
<FONT SIZE="2">
	Exhibit&nbsp;Index
</FONT>
<CENTER>
<TABLE CELLSPACING="0" BORDER="0" CELLPADDING="0" WIDTH="60%">
<TR VALIGN="BOTTOM">
<TD WIDTH="8%">
	&nbsp;
</TD>
<TD WIDTH="15%">
	&nbsp;
</TD>
<TD WIDTH="77%">
	&nbsp;
</TD>
</TR>

<BR>
<TR VALIGN="BOTTOM">
<TD NOWRAP ALIGN="LEFT">
<FONT SIZE="1">
<B>
	Exhibit No.
</B>
</FONT>
</TD>
<TD>
<FONT SIZE="1">
	&nbsp;
</FONT>
</TD>
<TD NOWRAP ALIGN="LEFT">
<FONT SIZE="1">
<B>
	Description
</B>
</FONT>
</TD>
</TR>
<TR VALIGN="BOTTOM">
<TD NOWRAP ALIGN="CENTER">
<HR SIZE="1" NOSHADE>
</TD>
<TD>
<FONT SIZE="1">
	&nbsp;
</FONT>
</TD>
<TD NOWRAP ALIGN="CENTER">
<HR ALIGN="LEFT" SIZE="1" WIDTH="88%" NOSHADE>
</TD>
</TR>





<TR VALIGN="BOTTOM">
<TD VALIGN="TOP" WIDTH="8%" nowrap>
<FONT SIZE="2">
<DIV ALIGN="LEFT">
	99.1
</DIV>
</FONT>
</TD>
<TD WIDTH="15%">
<FONT SIZE="2">
	&nbsp;
</FONT>
</TD>
<TD ALIGN="LEFT" VALIGN="TOP" WIDTH="77%">
<FONT SIZE="2">
Press Release issued by Financial Institutions, Inc. on August 26, 2015
</FONT>
</TD>
</TR></TABLE></CENTER><!-- HTMLFooter START -->
</BODY>
</HTML>
<!-- HTMLFooter END -->
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exhibit1.htm
<DESCRIPTION>EX-99.1
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 3.2//EN">
<HTML>
<HEAD>
<TITLE> EX-99.1 </TITLE>
</HEAD>
<BODY TEXT="#000000" BGCOLOR="#FFFFFF" ALINK="#0000FF" HLINK="#FF0000" VLINK="#800080">

<BODY style="font-family: 'Times New Roman',Times,serif">


<P align="left" style="font-size: 10pt"><FONT style="font-size: 24pt"><img src="e41800-1523713128177663ea_1.jpg">
</FONT>
<DIV align="center">
<TABLE style="font-size: 24pt" cellspacing="0" border="0" cellpadding="0" width="95%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="54%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="20%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="font-size: 24pt">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 28pt"><B>NEWS RELEASE</B></FONT></DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center"><FONT style="font-size: 28pt"><B>220 Liberty Street</B></FONT></TD>
</TR>
<TR valign="bottom" style="font-size: 28pt">
    <TD><DIV style="margin-left:10px; text-indent:-10px"><FONT style="font-size: 11pt"><B><I>For Immediate Release</I></B></FONT></DIV></TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" align="center"><FONT style="font-size: 11pt"><B>Warsaw, NY  14569</B></FONT></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 11pt"><FONT style="font-size: 12pt"><B>Financial Institutions, Inc. Announces Quarterly Dividend</B></FONT>



<P align="left" style="font-size: 12pt"><FONT style="font-size: 11pt"><B>WARSAW, N.Y. &#150; August&nbsp;26, 2015 </B>&#150; Financial Institutions, Inc. (the &#147;Company&#148;) (NASDAQ: FISI),
the parent company of Five Star Bank and Scott Danahy Naylon Insurance, announced today that its
Board of Directors has approved a quarterly cash dividend of $0.20 per outstanding common share.
The Company also announced dividends of $0.75 per share on Series&nbsp;A 3% preferred stock and $2.12
per share on series B-1 8.48% preferred stock. All dividends are payable October&nbsp;2, 2015 to
shareholders of record as of September&nbsp;10, 2015.
</FONT>

<P align="left" style="font-size: 11pt"><B>About Financial Institutions, Inc.</B>


<P align="left" style="font-size: 11pt">Financial Institutions, Inc. provides diversified financial services through its subsidiaries, Five
Star Bank and Scott Danahy Naylon. Five Star Bank provides a wide range of consumer and commercial
banking services to individuals, municipalities and businesses through a network of over 50 offices
and more than 60 ATMs throughout Western and Central New York State. Scott Danahy Naylon provides
a broad range of insurance services to personal and business clients across 44 states. Financial
Institutions, Inc. and its subsidiaries employ approximately 650 individuals. The Company&#146;s stock
is listed on the Nasdaq Global Select Market under the symbol FISI and is a member of the NASDAQ
OMX ABA Community Bank Index. Additional information is available at the Company&#146;s website:
<U><I>www.fiiwarsaw.com</I></U>.


<P align="left" style="font-size: 11pt"><B>Safe Harbor Statement</B>


<P align="left" style="font-size: 11pt"><I>This press release may contain forward-looking statements as defined by federal securities laws
that involve significant risks and uncertainties. Statements herein are based on certain
assumptions and analyses by the Company and are factors it believes are appropriate in the
circumstances. Actual results could differ materially from those contained in or implied by such
statements for a variety of reasons including, but not limited to: changes in interest rates;
changes in accounting principles, policies, or guidelines; changes in the Company&#146;s dividend
policy; significant changes in the economic scenario: significant changes in regulatory
requirements; and significant changes in securities markets. Consequently, all forward-looking
statements made herein are qualified by these cautionary statements and the cautionary language in
the Company&#146;s Annual Report on </I><I>Form 10-K</I><I>, its Quarterly Reports on </I><I>Form 10-Q</I><I> and other documents
filed with the SEC. Except as required by law, the Company undertakes no obligation to revise
these statements following the date of this press release.</I>


<P align="center" style="font-size: 11pt">*****


<DIV align="center">
<TABLE style="font-size: 11pt" cellspacing="0" border="0" cellpadding="0" width="95%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="62%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="33%">&nbsp;</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="font-size: 11pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><B>For additional information contact:</B>
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><BR></TD>
</TR>
<TR valign="bottom" style="font-size: 11pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Kevin B. Klotzbach
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Jordan Darrow</TD>
</TR>
<TR valign="bottom" style="font-size: 11pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Executive VP, Chief Financial Officer &#038; Treasurer
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Darrow Associates</TD>
</TR>
<TR valign="bottom" style="font-size: 11pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Phone: 585.786.1130
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Phone: 631.367.1866</TD>
</TR>
<TR valign="bottom" style="font-size: 11pt">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Email: KBKlotzbach@five-starbank.com
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Email: jdarrow@darrowir.com</TD>
</TR>
<TR style="font-size: 1px">
    <TD valign="top" style="border-top: 1px solid #000000"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt; display: none">




<!-- v.121908 -->
</BODY>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>e41800-1523713128177663ea_1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 e41800-1523713128177663ea_1.jpg
M_]C_X  02D9)1@ ! 0   0 !  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1"  U 4(# 2(  A$! Q$!_\0
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M7Q0A^(<^K1Z!!X#D\ 7/C2+Q6GC.;798M%B\+MI(UN35I8]-2Q:\=83^4?\
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MK1M,UGP=K_B.U\/>%CKNB:;KFI>+_#6A^V;^T[\9O&7[)G@CXY?\$N/VG?\
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MH/@7Q7KVJ6.A6^JZQI&FSZO=6L6GQ:AJFG6<EPMQ>VT<O\5?[$/Q)U#]H_\
M9:_X-1_V1_VI_'A\<_LK?M$>-/\ @HX?C7\+/B'JVG1^"OC+J7[#?BWQ-IO[
M#OPR^($NH"";QE\/_ WB:W\&^$_#OP2U:^O/A[\1+FS\&>'/%/@[Q9<Z-X4M
M]._MVC_9C^!UK^T-X<_:HTSX>>'=$^.7AKX)>+/V=K?QQH6E:=H^IZI\(/%G
MBWX;^-V\&^(Y]/M(+CQ!I7A?Q#\+]#N_ =KJD]Q:^"4UCQG%X=@L%\8:]]L
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M,DD7VFW6X,UN9(W03(A92!BOR:_9"\!76J_&R32_%'AJRCF^&#:QJVHR317
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MV>_BW^S=XI\;^/?A]X,^-G@K6_AKX\U[X:/X(A\87GP_\76DFB^._"FGWGQ
M\$?$+0--M?&_A*\UCP?J^K6_AO\ X272=(UN^U'P;KGA?Q9;:-XDTKWRBOS$
M[#YU_90_9RTO]DGX!?#;]G/PU\2/B3\3O!'PA\+Z%X!^'.J?%4?#A_%7AOX<
M^$-%TWPUX'\!B^^&7PZ^&6DZOI'@WP[I-AHVEZSKVAZIXUU2"$WGBWQ5XDU:
M6;49/ /C-_P3O\*?'+]L?]G/]M?Q9^T-^T5IOQ!_9,UWQ/J_[/\ X#\.?\,^
M6GPM\!:?\3?"6A> _CEX7:RU/]G[5_'WBK0OCIX0T&/1/&UQXS^(7B'Q-X4C
MU#4+_P""WB+X4:Q]@U&P_0FB@#X'^ ?_  3\\%?L^?M=_M4?MF^'_C=\>?&'
MQ(_;)/@[_A>'A3QS+\$I/AUJO_"J[!_#?P2&@Z=X/^"7@WQ;X>_X4SX N=2^
M'?A/[#XSSXH\.ZI=ZQ\73\2_'T.F^-+#Y9\6?\$*_P!CCQ_\)OVR?@CX\\4?
M'+Q=\//VS?VIO'/[;>M6&J>(?AK;:W\!?VKO'VNZKJ^J?&W]F_QCHOPGTKQA
MX'\4V&G7FD>#M+LO%>N>/O#0\%^&;70M3T+4U\5_$VX\>?L]10!^$,__  ;_
M /[.FN:;\+M3^(W[7/\ P4-^.'QP^!_[0_@3]I#X,?M2_M!_M!^#_CO\?/A3
MXC^&FC:Q!X,\!> ;_P"*OP@\5_#7PY\)[?QKJ=A\6O%?@RQ^&2'XJ?$7P?X
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MM?%?7Q/K$_YT:;_P;3_L9Z;\.?B1\ ?^&GO^"D-_^R9XYT?XEZ7X9_8SU/\
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K 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% !1110 4444 ?_V0$!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
