<SEC-DOCUMENT>0000897069-16-000817.txt : 20160721
<SEC-HEADER>0000897069-16-000817.hdr.sgml : 20160721

<ACCEPTANCE-DATETIME>20160418171205

<PRIVATE-TO-PUBLIC>

ACCESSION NUMBER:		0000897069-16-000817

CONFORMED SUBMISSION TYPE:	DFAN14A

PUBLIC DOCUMENT COUNT:		3

FILED AS OF DATE:		20160418

DATE AS OF CHANGE:		20160622

EFFECTIVENESS DATE:		20160418


SUBJECT COMPANY:	


	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:		DFAN14A

		SEC ACT:		1934 Act

		SEC FILE NUMBER:	000-26481

		FILM NUMBER:		161577439



	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




FILED BY:		


	COMPANY DATA:	

		COMPANY CONFORMED NAME:			Clover Partners, L.P.

		CENTRAL INDEX KEY:			0001309342

		IRS NUMBER:				752842611

		STATE OF INCORPORATION:			TX

		FISCAL YEAR END:			1231



	FILING VALUES:

		FORM TYPE:		DFAN14A



	BUSINESS ADDRESS:	

		STREET 1:		100 CRESCENT COURT

		STREET 2:		SUITE 575

		CITY:			DALLAS

		STATE:			TX

		ZIP:			75201

		BUSINESS PHONE:		214-273-5200



	MAIL ADDRESS:	

		STREET 1:		100 CRESCENT COURT

		STREET 2:		SUITE 575

		CITY:			DALLAS

		STATE:			TX

		ZIP:			75201



	FORMER COMPANY:	

		FORMER CONFORMED NAME:	Clover Partner, L.P.

		DATE OF NAME CHANGE:	20041122



</SEC-HEADER>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 12.55pt">UNITED STATES<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>SECURITIES AND EXCHANGE COMMISSION<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font> Washington, D.C. 20549</div>

<div style="LINE-HEIGHT: 12.55pt">&#160;</div>

<div style="FONT-SIZE: 15pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 17.1pt">SCHEDULE 14A</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">Proxy Statement Pursuant to Section 14(a) of<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>the Securities Exchange Act of 1934<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font> (Amendment No.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Filed by the Registrant&#160;&#160;<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9744;</font></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Filed by a Party other than the Registrant&#160;&#160;<font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9746;</font></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Check the appropriate box:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Preliminary Proxy Statement</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2))</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Definitive Proxy Statement</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Definitive Additional Materials</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Soliciting Material Pursuant to &#167;240.14a-12</div>
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<td style="WIDTH: 94.49%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">FINANCIAL INSTITUTIONS, INC.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">(Name of Registrant as Specified In Its Charter)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">CLOVER PARTNERS, L.P.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">MHC MUTUAL CONVERSION FUND, L.P.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">CLOVER INVESTMENTS, L.L.C.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">TERRELL T. PHILEN, JR.</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">JOHNNY GUERRY</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 11.4pt">(Name of Person(s) Filing Proxy Statement, if other than the Registrant)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Payment of Filing Fee (Check the appropriate box):</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">No fee required.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Fee computed on table below per Exchange Act Rules 14a-6(i)(1) and&#160;0-11.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(1)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Title of each class of securities to which transaction applies:</div>
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<td style="WIDTH: 5.36%; VERTICAL-ALIGN: top">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(2)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Aggregate number of securities to which transaction applies:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Per unit price or other underlying value of transaction computed pursuant to Exchange Act Rule 0-11 (set forth the amount on which the filing fee is calculated and state how it was determined):</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Proposed maximum aggregate value of transaction:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Total fee paid:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">&#9744;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Fee paid previously with preliminary materials.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Check box if any part of the fee is offset as provided by Exchange Act Rule&#160;0-11(a)(2) and identify the filing for which the offsetting fee was paid previously.&#160; Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing.</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(1)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Amount Previously Paid:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(2)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Form, Schedule or Registration Statement No.:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(3)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Filing Party:</div>
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<td style="WIDTH: 5.51%; VERTICAL-ALIGN: top">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">(4)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 11.4pt">Date Filed:</div>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: center; LINE-HEIGHT: 13.7pt"><u>Filed by Clover Partners, L.P.</u></div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">A copy of a news article is being filed herewith under Rule 14a-12 of the Securities Exchange Act of 1934, as amended.&#160; <font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">The Participants (as defined below) are not affiliated with the publication or the author of the news article, and do not endorse or make any representations or warranties concerning the news article.&#160; </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; BACKGROUND-COLOR: #ffffff">The consent of the author and the publication to file the news article </font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; BACKGROUND-COLOR: #ffffff">under Rule 14a-12 was neither sought nor obtained.</font></div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><u>Important Information</u></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">MHC Mutual Conversion Fund, L.P. has nominated Johnny Guerry and Terrell T. Philen, Jr. as nominees to the board of directors of Financial Institutions, Inc. (the &#8220;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>Company</u></font>&#8221;) and intend to solicit votes for the election of Mr. Guerry and Mr. Philen as members of the board.&#160;&#160;&#160;MHC Mutual Conversion Fund, L.P. will send a definitive proxy statement, WHITE proxy card and related proxy materials to shareholders of&#160;the Company&#160;seeking their support of Mr. Guerry and Mr. Philen at the Company&#8217;s 2016 Annual Meeting of Stockholders.&#160;&#160;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold">Stockholders are urged to read the definitive proxy statement and WHITE proxy card when they become available, because they will contain important information about the participants in the solicitation, Mr. Guerry and Mr. Philen,&#160;the Company&#160;and related matters.&#160;&#160;</font>Stockholders may obtain a free copy of the definitive proxy statement and WHITE proxy card (when available) and other documents filed by MHC Mutual Conversion Fund, L.P. with the Securities and Exchange Commission (&#8220;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>SEC</u></font>&#8221;) at the SEC&#8217;s web site at www.sec.gov.&#160;&#160;The definitive proxy statement (when available) and other related SEC documents filed by MHC Mutual Conversion Fund, L.P. with the SEC may also be obtained free of charge from the MHC Mutual Conversion Fund.</div>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><u>Participants in Solicitation</u></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">The participants in the solicitation by MHC Mutual Conversion Fund, L.P. consist of the following persons (the &#8220;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><u>Participants</u></font>&#8221;): MHC Mutual Conversion Fund, L.P., Clover Partners, L.P., Clover Investments, L.L.C., Johnny Guerry and Terrell T. Philen, Jr.&#160;&#160;Such participants may have interests in the solicitation, including as a result of holding shares of&#160;the Company&#8217;s&#160;common stock.&#160;&#160;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold">Information regarding the participants and their interests may be found in the attached Notice of Intent to Nominate Directors and Submit Nominees for Election that MHC Mutual Conversion Fund, L.P. sent to the Company on April 1, 2016, which is attached hereto.</font></div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">The Buffalo New</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 12.55pt">April 15, 2016</div>

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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Activist shareholder fires back at Five Star</div>

<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">BY:&#160; Matt Glynn</div>

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<div style="TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt"><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif">Activist shareholder Johnny Guerry lashed out at leaders of Five Star Bank&#8217;s parent company over how they rebuffed his interest in a board seat and made a counteroffer to avoid a proxy fight.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry, 34, managing partner of Texas-based Clover Partners, and Terry Philen, a Texas businessman, are seeking seats on Financial Institutions&#8217; board, challenging the Warsaw-based bank&#8217;s preferred candidates. Four seats on the 11-member board are up for election at the annual shareholders meeting, set for June 3. The bank is urging its shareholders not to vote for Guerry and Philen.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>In a letter to Martin K. Birmingham, Financial Institutions&#8217; president and CEO, Guerry criticized how the bank handled his effort to join the board and said he and Philen would benefit Financial Institutions by serving as directors. Guerry caused a stir in a December letter in which he called for the bank to stop making acquisitions and put itself up for sale.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry said he had previously talked to the bank about nominating him as an additional director for election, which would involve expanding the board by one seat. None of the board&#8217;s &#8220;handpicked&#8221; directors would have lost their seats.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Instead, he said, the board rejected his candidacy in late March after an &#8220;exhaustive six-week process.&#8221; He said the nominating committee &#8220;settled on the reasoning that in December of 2015 I made a statement that a sale of the bank might be in the best interest of shareholders.&#8221;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>&#8220;They believed that this statement could scare off customers should I be added to the board,&#8221; he wrote. &#8220;It is ridiculous that your committee spent six weeks evaluating my candidacy only to arrive at such a feeble reason.&#8221;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry said if the committee felt that was a legitimate concern, &#8220;it should have been contemplated before the process even started, and the entire evaluation process appears to be nothing more than a disingenuous attempt to make shareholders believe (Financial Institutions) went through a good-faith vetting process.&#8221;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Financial Institutions declined to comment on Guerry&#8217;s letter.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>The bank in an April 8 regulatory filing said it considered Guerry for a seat but determined he lacked the qualifications, citing his lack of experience working for a bank and his limited public company board experience. Guerry said that was the first time he had heard the bank raise those concerns, and he questioned why the nominating committee took so long to reject his candidacy if it felt he was unqualified. He suggested the bank may have dragged out the process while it gauged other large shareholders&#8217; support for the bank&#8217;s current strategy.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry questioned whether the bank held its own four candidates of choice to the same standard for qualifications. For instance, he said a bank-supported nominee to fill an upcoming vacancy, Kim VanGelder, &#8220;appears to have zero bank or public company board experience, and her operating company history has been with Eastman Kodak,&#8221; which he noted filed for Chapter 11 bankruptcy. Kodak has since emerged from bankruptcy.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
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<div style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 12.55pt">Guerry defended his credentials, saying his firm has solely invested in banks for the past 12 years, and that he had served on the board of a public bank, Hampden Bancorp. He has criticized two significant acquisitions Financial Institutions made: the Amherst-based Scott Danahy Naylon insurance agency and Courier Capital Partners. He claimed the two deals diluted shareholder value, and their earn-back periods were far too long.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry and Philen were nominated for board seats by MHC Mutual Conversion Fund Group, which is affiliated with Clover. After their names were submitted, Financial Institutions floated a compromise to Guerry: appointing to the board a director mutually who was acceptable to both the bank and MHC, but who didn&#8217;t have a relationship with either.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry said he believed that was a &#8220;feigned attempt&#8221; to avoid a proxy fight, and rejected the bank&#8217;s idea that the person chosen for the board &#8220;must share the current board&#8217;s focus on the &#8216;long-term.&#8217;&#8221; Such a stipulation, he said, would narrow the list of possible choices. &#8220;We vehemently believe it is an independent and major shareholder&#8217;s point of view that is desperately needed in the boardroom.&#8221;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Three times in his letter, Guerry said his firm, Clover Partners, owned more Financial Institutions shares &#8211; nearly 796,000, representing about 5.5 percent of all shares &#8211; than all of the bank&#8217;s board members combined, to reinforce his point that his firm&#8217;s voice ought to be heard.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Guerry proposed his own compromise with the bank: &#8220;If (Financial Institutions) would like to avert a proxy contest, we would be prepared to discuss adding both of our candidates instead of seeking to replace any of the board&#8217;s handpicked nominees.&#8221;<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>Financial Institutions said Clover began accumulating shares in the bank on Aug. 11, 2015, with the purchase of 10,000 shares. Since then, the bank&#8217;s stock has risen 19 percent, closing at $28.30 on Thursday. Guerry contended some of that increase was spurred last December when Clover publicly called for the bank should stop making acquisitions and sell itself to a larger bank. Guerry said that was a sign that the market &#8220;views our involvement favorably,&#8221; noting that the KBW Nasdaq Bank index fell during the same time period.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>In an interview, Guerry said both he and Philen plan to attend the June 3 meeting in Warsaw, and will launch their own effort to reach out to shareholders to support their election to the board.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font><font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font>&#8220;We have a high degree of confidence that we&#8217;re going to win,&#8221; he said.<font style="FONT-SIZE: 11pt; FONT-FAMILY: 'Times New Roman', serif"><br>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 234pt; LINE-HEIGHT: 13.7pt">April 18, 2016</div>

<div style="LINE-HEIGHT: 13.7pt">&#160;</div>
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<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">ATTORNEYS AT LAW</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">777 EAST WISCONSIN AVENUE, SUITE 3800</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">MILWAUKEE, WISCONSIN&#160; 53202-5306</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">414.271.2400 TEL</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 14.35pt">414.297.4900&#160; FAX</div>

<div style="FONT-SIZE: 8pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 9.6pt">www.foley.com</div>

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<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">WRITER&#8217;S DIRECT LINE</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">414.297.5596</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">pfetzer@foley.com EMAIL</div>

<div style="LINE-HEIGHT: 8.4pt">&#160;</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">CLIENT/MATTER NUMBER</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'News Gothic MT', 'Franklin Gothic Book', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8.4pt">104575-0105</div>
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; FONT-VARIANT: small-caps; FONT-WEIGHT: bold; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><u>Via Edgar</u></div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Securities and Exchange Commission</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">100 F Street, N.E.</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Washington, D.C.&#160; 20549</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">&#160;</div>
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<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: 36pt; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; align: right">Re:</td>
<td style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; WIDTH: auto; VERTICAL-ALIGN: top; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>Clover Partners, L.P. / Financial Institutions, Inc.</u></td>
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<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Ladies and Gentlemen:</div>

<div style="LINE-HEIGHT: 13.7pt"><br style="LINE-HEIGHT: 13.7pt">
</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">On behalf of MHC Mutual Conversion Fund, L.P., Clover Partners, L.P., Clover Investments, L.L.C., Johnny Guerry and Terrell T. Philen, Jr. (the &#8220;<font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif"><u>Reporting Parties</u></font>&#8221;), we are transmitting for filing materials under Rule 14a-12 of the Securities Exchange Act of 1934, as amended, for the Reporting Parties with respect to the shares of common stock of Financial Institutions, Inc.&#160; This filing is being effected by direct transmission to the EDGAR System.</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: justify; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">Please call the undersigned at (414)&#160;297&#8209;5596 should you have any questions regarding this filings.</div>

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<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 234pt; LINE-HEIGHT: 13.7pt">Very truly yours,<br style="LINE-HEIGHT: 13.7pt">
<font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif"><br>
</font> /s/ Peter D. Fetzer</div>

<div style="text-align: left; margin-left: 234pt; line-height: 13.7pt; font-size: 12pt; font-family: 'Times New Roman', serif;">&#160;</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; MARGIN-LEFT: 234pt; LINE-HEIGHT: 13.7pt">Peter D. Fetzer</div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt">Enclosures</div>

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<div style="TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt"><font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif">cc:</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 36pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif">Johnny Guerry</font></div>

<div style="FONT-SIZE: 12pt; FONT-FAMILY: 'Times New Roman', serif; TEXT-ALIGN: left; LINE-HEIGHT: 13.7pt; TEXT-INDENT: 36pt">&#160;&#160;&#160;&#160;Phillip Goldberg</div>

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<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">BOSTON</div>

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<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">CHICAGO</div>

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<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">MADISON</div>

<div style="FONT-SIZE: 7pt; FONT-FAMILY: 'Franklin Gothic Book', 'Franklin Gothic Medium', sans-serif; TEXT-ALIGN: left; LINE-HEIGHT: 8pt">MIAMI</div>
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