COMMUNITY FINANCIAL SYSTEM, INC. — Director's Dealing 2025

Mar 31, 2025

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: COMMUNITY FINANCIAL SYSTEM, INC. (CBU)
CIK: 0000723188
Period of Report: 2025-03-31

Reporting Person: Singh Savneet (Director)

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2025-03-31	Deferred Stock (Deferred Compensation)	$	A	308.37	Acquired		Common Stock (308.37)	Direct

Footnotes

F1: Each unit of phantom stock is the economic equivalent of one share of Community Financial System, Inc. common stock. The units of phantom stock relating to the Deferred Compensation Plan will be settled in Community Financial System, Inc. common stock at future dates selected by the reporting person.