Community Financial System — Merger or Acquisition (January 2026)

4 slides from Community Financial System's merger presentation, Jan 15, 2026

Slide 1: Acquisition of ClearPoint Federal Bank & Trust
Acquisition of ClearPoint Federal Bank & Trust COMMUNITY FINANCIAL SYSTEM, INC . | NYSE: CBU JANUARY 1 5 , 2026
Slide 2: Disclaimers: Forward-Looking Statements
1 Disclaimers Community Financial System, Inc. | Acquisition of ClearPoint Federal Bank & Trust Forward ‐Looking Statements This presentation contains comments or information that constitute forward -looking statements (within the meaning of the Private Securities Litigation Reform Act of 1995), whi
Slide 3: ClearPoint Federal Bank & Trust and Transaction Overview
CLEARPOINT FEDERAL BANK & TRUST (“CFBT”) • Leader in trust administration within ~$20 billion revenue death care industry • $1.5 billion in assets under management and $112 million of deposits with a Q3 2025 cost of funds of 1.19% • 72% fee income / 28% net interest income • No lending exposure / ri
Slide 4: Thank you! Investor Relations Contact
Thank you! INVESTOR RELATIONS CONTACT Marya Burgio Wlos EVP & Chief Financial Officer Marya.Wlos@cbna.com 315.299.2946