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.

P&A Group, nestled in the heart of Buffalo, NY, boasts a robust and expansive office that stands out as a major player in the local insurance brokerage scene. With a focus on serving both local and regional employers, this larger office brings a wealth of expertise in crafting comprehensive benefit packages tailored to the unique needs of businesses. Specializing in medical and ancillary benefits, P&A Group's prowess extends across diverse industries, including support activities for air transportation, religious organizations, grantmaking entities, civic groups, professional services, and similar organizations. Their impressive clientele includes industry leaders such as Aero Instruments and Avionics, a support activities powerhouse with over 70 participants; New York State United, a prominent player in the religious, grantmaking, civic, and professional sector with a staggering 9040+ participants; and P&A Administrative Services, a key player in professional, scientific, and technical services with 130+ participants. Part of a local brokerage firm, P&A Group demonstrates a proven track record of working seamlessly with midsize and small employers. Their comprehensive understanding of various industries and commitment to tailoring solutions positions them as a valuable partner for employers seeking expert guidance in navigating the complex landscape of employee benefits.

Based in Orlando, Florida, AssuredPartners stands as a global frontrunner in the insurance brokerage landscape, with special expertise in industry-specific insurance solutions for both businesses and consumers. We offer a comprehensive range of services, including commercial insurance, risk management, and employee benefits. As strategic advisors in the insurance domain, our unparalleled expertise empowers us to deliver tailor-made solutions designed to meet the unique needs of our clients. With a team of over 10,000 professionals, we serve clients from strategically located offices across North America, England, Ireland, Belgium, and Scotland. Committed to building strong, long-lasting relationships, we foster an environment of trust, transparency, and mutual respect with our partners. This ethos is encapsulated in our guiding principle: Power through Partnership. For further information, please visit www.assuredpartners.com.

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.

3DATX Corporation is a Buffalo, NY based company that manufactures next generation emissions measurement technologies for the transportation and power generation markets. We manufacture a range of accurate, low-cost, and ultra light-weight portable emissions measurement systems (PEMS) that make field testing, industry and academic research, and regulatory compliance screening practical on a mass scale. A significant advantage of the 3DATX iPEMS (integrated Portable Emissions Measurement System) design is the Modular Sensor Cartridge design. The 3DATX parSYNC® is the only Particulate Measurement unit in the industry with commercially available field calibration capabilities (e.g. CA/GE™ System). Our unique miniaturized multi-chamber and replaceable sensor cartridges provide its user the capability to hot-swap while in the field. This eliminates down time and provides significant advantage to the number of tests that can be completed each day.

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

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

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.