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New words:
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Removed:
accompanied, agricultural, alternate, amendment, auto, branching, centralized, cessation, comment, compel, Concurrent, confirmed, consultation, created, debtor, deferral, Disaster, disconnect, discontinuance, ease, EIDL, entertainment, exempted, Facilitation, food, forbearance, forma, grouping, guarantor, hotel, indenture, initiative, injunction, intention, interbank, interstate, Kingdom, Landmark, language, LIBOR, livestock, lodging, London, marked, motel, nation, nonbank, opened, opening, optional, pandemic, panel, Paycheck, persuade, platform, PPP, practical, precipitated, pro, reaching, recognizing, recommended, recreation, relation, representative, robust, savvy, statute, substituting, suspend, tailor, TDR, unreasonable, violate, Williamsville
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Exhibit 21
SUBSIDIARIES OF REGISTRANT
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| State or Jurisdiction of Incorporation or Organization |
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Financial Institutions, Inc. Subsidiaries: |
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Five Star Bank |
| New York |
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SDN Insurance Agency, LLC |
| New York |
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Courier Capital, LLC |
| New York |
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Five Star Bank Subsidiaries: |
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Five Star REIT, Inc. |
| New York |
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FSB Mid-Atlantic, LLC |
| Virginia |
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