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Monday, 04/23/2012 7:14:35 AM

Monday, April 23, 2012 7:14:35 AM

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Financial Institutions, Inc. (FII) is a financial holding company. Through its subsidiaries, including its wholly owned New York State chartered banking subsidiary, Five Star Bank (the Bank), FII provides deposit, lending and other financial services to individuals and businesses in Central and Western New York State. The Company provides a range of consumer and commercial banking and financial services to individuals, municipalities and businesses through a network of 50 offices and over 70 automated teller machines (ATMs) in 14 contiguous counties of Western and Central New York State, including Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Seneca, Steuben, Wyoming and Yates Counties.

http://www.google.com/finance?q=FISI

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Never, invest with money you need to survive. Diversify, patience, set tight stops. $20 or less in commission fees is almost always cheaper than a 5-40%+ drop in share value.

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