Community Bank System is a financial holding company. Through its subsidiary, Community Bank, N.A., the company operates as a financial services enterprise providing banking and other financial services to retail, commercial and municipal customers. The company has three reportable segments: Banking, which is focused on serving the financial needs of customers in local communities; Employee Benefit Services, which provides employee benefit trust, collective investment fund, retirement plan administration and fund administration; and All Other, which includes Wealth Management, which provides investment alternatives and Insurance Agency, which provides personal and commercial lines of insurance.
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