Business description of Financial-Institutions-Inc from last 10-k form

Equity securities

   Dividend discount model, the smoothed earnings yield model and the equity risk premium model

Fixed income securities

   Current yield-to-maturity and forecasts of future yields

Other financial instruments

   Comparison of the specific investment’s risk to that of fixed income and equity instruments and using judgment

Equity securities

  

Short sales

Unregistered securities

Margin purchases

Fixed income securities

  

Mortgage backed derivatives that have an inverse floating rate coupon or that are interest only securities

 

Any ABS that is not issued by the U.S. Government or its agencies or its instrumentalities

 

Generally securities of less than Baa2/BBB quality may not be purchased

 

Securities of less than A-quality may not in the aggregate exceed 10% of the investment manager’s portfolio

Other financial instruments

   Unhedged currency exposure in countries not defined as “high income economies” by the World Bank