Five Star Bank has grown and evolved in its more than 200-year history, but our focus on taking care of our customers and communities has never wavered. That’s because we understand that by keeping the people of Five Star’s well-being at the heart of everything we do, our team, our customers, and our communities will thrive and realize their dreams. Five Star Bank provides consumer and commercial banking and lending services to individuals, municipalities and businesses through more than 45 locations throughout Western and Central New York, in addition to a Mid-Atlantic commercial loan production office serving the Baltimore and Washington, D.C. region. Five Star Bank and its affiliates SDN Insurance Agency, LLC and Courier Capital, LLC are subsidiaries of Financial Institutions, Inc. (NASDAQ:FISI), an innovative financial holding company with more than 650 employees who work together in an environment of trust, integrity and mutual respect.

For more than a century, Tompkins Insurance Agencies has been helping families and businesses with insurance strategies and solutions to protect their assets and manage risk. Founded in 1875, we provide a full range of personal and commercial insurance and employee benefits products and services across New York and Pennsylvania. We have established strong relationships with 50+ leading regional and national insurance carriers, which enables us to find the right combination of coverages to meet our customers’ specific needs, at the right price. At the heart of our business is our commitment to our customers, our employees and the communities we serve. *Email and LinkedIn messaging can be useful tools for transmitting information of a general nature. However, since they are not generally not encrypted or secure, please remember not to disclose sensitive information such as account numbers or social security numbers in any emails, messages or wall posts. Tompkins Insurance shares insurance industry-related articles for informational purposes only. This information is not a policy and is meant only as a general explanation of some typical insurance concepts. It should not be construed as a legal interpretation of coverages or of the insurance policies that can be written for you. Please refer to your specific insurance contracts for details on coverages, conditions and exclusions, and check with your local Tompkins Insurance advisor for specific regulations in your state. Tompkins Insurance is licensed to conduct business in all 50 states.

WTW (formerly Liazon) operates the industry-leading private benefits exchanges for businesses across the U.S. Distributed under the brand name Bright Choices® as well as several privately-labeled brands, Liazon exchanges are online benefits stores that allow employees to personalize their benefits package with a selection of health, dental, vision, life, disability, and a host of other benefits from top national and regional providers. Liazon exchanges enable companies to achieve a benefits strategy that maximizes value for their benefits dollars and helps them attract and retain talent through high employee satisfaction and empowerment. Liazon was acquired by Towers Watson in 2013. Towers Watson is now WTW.

At WTW (NASDAQ: WTW), we provide data-driven, insight-led solutions in the areas of people, risk and capital. Leveraging the global view and local expertise of our colleagues serving 140 countries and markets, we help you sharpen your strategy, enhance organizational resilience, motivate your workforce and maximize performance.

Lawley is a privately-owned, independent regional insurance firm specializing in property, casualty and personal insurance, employee benefits and risk management consulting and ranked among the top 100 Largest Insurance Brokers in the U.S., according to Business Insurance magazine. Locations in NY, NJ & CT. For over 60 years, Lawley’s team of more than 400+ associates have developed customized property, casualty, surety and benefits insurance programs for businesses and municipalities of all sizes along with personalized protection for individuals and their families. Lawley is consistently recognized as one of the Best Places to Work by Buffalo Business First. Headquartered in Buffalo, NY, Lawley has branch offices across New York in Amherst, Batavia, Fredonia, Plainview, Purchase and Rochester along with Darien, Connecticut and Florham Park, New Jersey. To find out more, visit lawleyinsurance.com

Gallagher, a global insurance brokerage, risk management, and consulting firm, serves communities around the globe, helping clients address risk, protecting assets, and recovering from losses. The products and services we provide keep businesses and institutions running, and enable individuals and families to face their future with confidence. Gallagher provides retail and wholesale property and casualty brokerage, alternative risk transfer services, employee benefit consulting, and actuarial services. Gallagher also offers claims and information management, risk control consulting and appraisal services, human resource consulting, and retirement services. Follow us on social: Instagram: http://instagram.com/gallagherglobal Facebook: http://www.facebook.com/GallagherGlobal Twitter: https://twitter.com/GallagherGlobal YouTube: https://www.youtube.com/GallagherGlobal

Ambulance reimbursement and compliance consulting, education and support services on the following: - Best practices in medical transportation revenue cycle management - Medicare & Medicaid compliance - Medicare & Medicaid managed care issues - Ambulance reimbursement integrity - Appeals Support - Ambulance claims auditing - Commercial account follow-up and appeals - Self pay account challenges Maggie Adams has over 20 years experience in the ambulance industry. For 13 years, she was the president of the only company in the country devoted exclusively to EMS patient account collections and insurance denial appeals. For 8 years, she was Page, Wolfberg & Wirth's senior consultant, a highly regarded presenter at their national ambulance billing conferences, and a key contributor in developing and delivering educational training sessions for the National Academy of Ambulance Coding. Throughout her career, Maggie has been a sought-after speaker. Known for her upbeat and positive personality, Maggie draws the attention of the entire audience as she provides practical solutions to problems faced by all ambulance providers and billing companies.

Located in Buffalo, NY, the HartKeenan insurance broker office is a substantial player in the industry, boasting a larger office that stands as a testament to their commitment to serving the needs of employers. Specializing in catering to the requirements of self-funded clients, they have accumulated invaluable experience that positions them as a reliable partner for both local and regional employers. The Buffalo office of HartKeenan has a proven track record of working with midsize employers, exemplifying their ability to navigate the unique challenges faced by businesses of this scale. As a part of a local brokerage firm, they bring a localized understanding to their services, ensuring a tailored approach that aligns with the specific needs of the Buffalo business community. Demonstrating their industry expertise, HartKeenan has successfully collaborated with notable clients, such as Curbell in the plastics product manufacturing sector, boasting over 410 participants, and Reid Stores in the grocery and convenience retailers industry, with an impressive participant count exceeding 90. These partnerships underscore the broker's proficiency in addressing the diverse needs of clients across sectors, particularly in plastics product manufacturing and grocery and convenience retailing. With a commitment to excellence, the Buffalo office of HartKeenan stands as a trusted resource for employers seeking comprehensive and tailored insurance solutions.

Walsh Duffield is a fifth-generation family-owned insurance agency dedicated to helping individuals and businesses proactively manage their risk to remain safe and well. We do this by providing you with access to commercial insurance, group benefits, and personal insurance programs from the nation’s leading carriers. With locations in Buffalo, Medina and Rochester, NY, Walsh Duffield is a local agency with national resources and capabilities. The professionals at Walsh Duffield strive to guide and educate, providing the tools to help clients make the best decisions regarding their insurance and risk management programs and to help them achieve long term success.

Niagara National Insurance is an Independent Insurance Agency that was founded back in 1951. Since then, our agency has grown and now employs a professional staff of more than 30 insurance professionals. Through our network of affiliate insurance carriers, we are able to offer a broad selection of premium insurance coverages for both individuals and businesses, including employee benefits and retirement planning. Our agency also offers specialty insurance programs for colleges and universities, manufacturing companies, contractors, wineries and gourmet food companies, wholesale distributors, restaurants, social services, and day care facilities. As a Trusted Choice® agency, Niagara National is dedicated to you and is committed to treating you as a person, not a policy. All Trusted Choice agencies agree to adhere to a Pledge of Performance, designed to assure quality service, competitive pricing, a broad selection of insurance coverages, and valuable advocacy. In short, Niagara National Insurance has pledged to offer you the best service and the best insurance solutions to protect what you value most.

Vanner Insurance Agency LLC provides personal and commercial insurance, risk management solutions, employee benefits and customized financial services with emphasis and concentrated experience in the construction, manufacturing, marine, not for profit, jewelers block and transportation industry sectors. Since 1967, Vanner has grown based on a foundation of honesty and integrity to become one of the most respected insurance agencies in the region. We’ve fostered our success by focusing on client’s unique challenges, tailoring each individual program to minimize risk for businesses and families.