Cortland Banks Loan Products

<body stylesrc="index.htm"><table dir="ltr" border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td valign="top">  <div align="center"> <center> <table border="0" width="100%"> <tr> <td width="100%"> <h1><b>Loan Products</b></h1> <p><font size="4"> <a href="#Mortgage Loans">Mortgage Loans</a> <br>           </font><a href="#Mortgage Loan Specialists">Mortgage Loan Specialists</a> </p> <p><font size="4"> <a href="#Consumer Loans">Consumer Loans</a> </font></p> <p><font size="4"> <a href="#Commercial Leasing">Commercial Loans</a>  </font></p> <p><font size="4">Cortland Banks offers a variety of <a href="#Mortgage Loans">Mortgage Loans</a>, <a href="#Consumer Loans">Consumer Loan</a>, and <a href="#Commercial Leasing">Commercial Loan</a> products.  For further information, contact our appropriate Loan department or fill out our <a href="#Information Request Form" target="_self">Information Request</a> form.</font></p> <h2> </h2> <h2><strong><a name="Mortgage Loans">Mortgage Loans</a></strong></h2> <p><b><a href="RATES_FRAME.HTM#Mortgage Loan Rates" target="_top">Current Cortland Banks mortgage loan rates</a></b></p> <p style="line-height: 100%; margin-bottom: 0"><strong>Cortland Banks has home mortgage programs that</strong></p> <ul style="line-height: 100%; word-spacing: 0; margin-top: 0"> <li style="margin-top: 0"> will accommodate almost every personal financial situation </li> <li style="margin-top: 0"> are competitively priced and flexible </li> <li style="margin-top: 0"> are conventional to non-conforming; owner-occupied to investment</li> </ul> <p style="line-height: 100%"><strong>CORTLAND BANKS Mortgage Center</strong><ul style="line-height: 100%; margin-top: 0"> <li style="margin-top: 0"> lends its own money, plus shops for other investor sources to give its customers top-quality products</li> </ul> <p style="line-height: 100%"><b>Call CORTLAND BANKS Mortgage Center at 1-800-366-2334</b><strong> for:</strong><ul style="margin-top: 0"> <li style="margin-top: 0; margin-bottom: 0"> professional home mortgage counseling--Its Free--no obligation </li> <li style="margin-top: 0; margin-bottom: 0"> an honest assessment of your financial situation </li> <li style="margin-top: 0; margin-bottom: 0"> an interview at your office or your home, anywhere </li> <li style="margin-top: 0"> 7-day-a-week service from Mortgage people who care and understand</li> </ul> <h3 style="TEXT-ALIGN: justify"> </h3> <h3 style="TEXT-ALIGN: justify"><b><span style="font-weight: bold"><a name="Mortgage Loan Specialists">Mortgage Loan Specialists</a></span></b></h3> <table border="0" cellpadding="14" width="661"> <tr> <td width="60%"> <ul> <li> <p style="text-align: justify; margin-top: 16"><b>Krista Cartwright<br>           Cell:   330-717-7592<br> Serving Trumbull, Mahoning, Ashtabula and Portage Counties</b></li> </ul> </td> <td width="40%"><img border="0" src="IMAGES/Cartwright.jpg" width="100" height="125"></td> </tr> <tr> <td width="60%">   <ul> <li> <p style="text-align: justify; margin-top: 16"><b>Michele Lee<br>           Cell:   330-240-0633<br> Serving Trumbull, Mahoning, Ashtabula and Portage Counties</b></li> </ul> </td> <td width="40%"> <img border="0" src="IMAGES/michele_lee.JPG" width="96" height="120"></td> </tr> <tr> <td width="60%">   <ul> <li> <p style="text-align: justify; margin-top: 16"><b>Pat McElhaney<br>           Cell:   330-501-3481<br> Serving Trumbull, Mahoning, Ashtabula and Portage Counties</b></li> </ul> </td> <td width="40%"> <img border="0" src="IMAGES/McElhaney.jpg" width="100" height="150"></td> </tr> </table> <p class="MsoNormal" style="TEXT-ALIGN: justify"><b>Our Mortgage Loan Specialists are available to meet with you 7 days a week.  We offer evening appointments.</b></p> <p class="MsoNormal" style="TEXT-ALIGN: justify"> </p> <p> </p> <table border="4" width="100%"> <tr> <td><font size="4">Lower mortgage rates mean considerable savings for you over the long term.  Perhaps it's time for you to think about refinancing with Cortland Banks.  You may be able to:</font> <ul> <li><font size="4"><u>Lower</u> your rate</font></li> <li><font size="4"><u>Decrease</u> your monthly payment</font></li> <li><font size="4"><u>Save</u> money</font></li> <li><font size="4"><u>Consolidate</u> your debt</font></li> <li><font size="4"><u>Shorten</u> your mortgage term</font></li> <li><font size="4">Have <u>extra money</u> for home improvement projects</font></li> <li><font size="4"><u>Trade up</u> to a new home</font></li> </ul> <p><font size="4">We will contact you at <b>your</b> convenience for a free analysis.</font></p> <p> <b>Notice:  Information entered into this form is sent to us by Internet email.  Since information sent by email is at risk of loss of confidentiality when it is transmitted over the Internet,  we do not recommend sending confidential information by email.  Such information would include account numbers, social security numbers, credit card numbers, and passwords.</b></p> <script Language="JavaScript" Type="text/javascript"></script><form method="POST" name="FrontPage_Form1" action="_vti_bin/shtml.dll/LOAN_PRODUCTS_FRAME.HTM" onsubmit="return FrontPage_Form1_Validator(this)" language="JavaScript" webbot-action="--WEBBOT-SELF--"> <input TYPE="hidden" NAME="VTI-GROUP" VALUE="0"> <p>     Name:     <input type="text" name="Mortgage_Name" size="30"></p> <p>     If a current customer, select Branch:     <select size="1" name="Mortgage_Branch"> <option selected value="Cortland">Cortland (Main Office)</option> <option value="Boardman (South Western Run)">Boardman (South Western Run)</option> <option value="Victor Hills Plaza">Boardman (Victor Hills Plaza)</option> <option value="Bristolville">Bristolville</option> <option value="Brookfield">Brookfield</option> <option value="Hubbard">Hubbard</option> <option value="Mantua">Mantua</option> <option value="Niles">Niles (Park Plaza)</option> <option value="North Bloomfield">North Bloomfield</option> <option value="Vienna">Vienna</option> <option value="Elm Road">Warren (Elm Road)</option> <option value="Williamsfield">Williamsfield</option> <option value="Windham">Windham</option> </select>     <b>OR</b> enter your Zip Code:     <input type="text" name="Mortgage_Zip_C" size="10"></p> <p>     If not a current customer, enter your State and your Zip Code:     <input type="text" name="Mortgage_State_Zip_NC" size="30"></p> <p>     Your phone number (including Area Code):     <input type="text" name="Mortgage_Phone" size="20"></p> <p>     Best times for us to contact you, and other comments:</p> <p>          <textarea rows="5" name="Mortgage_Contact_Times" cols="40"></textarea></p> <p><input type="submit" value="Submit" name="Mortgage_Submit"><input type="reset" value="Reset" name="Mortgage_Reset"></p> <input type="hidden" name="FormName" value="Mortgage Analysis Request"> </form> <p> </td> </tr> </table> <p> </p> <p> </p> <h2><strong><a name="Consumer Loans">Consumer Loans</a></strong></h2> <p><b><a href="RATES_FRAME.HTM#Consumer Loan Rates" target="_top">Current Cortland Banks consumer loan rates</a></b></p> <p>You may now apply for your Cortland Bank Automobile loan by telephone. You may call any of our <a href="BRANCH_INFORMATION_FRAME.HTM" target="_top">13 offices</a> directly or <a href="mailto:cbinfo@cortland-banks.com">e-mail</a> us with your location, phone number and best time to call and we will have a lender contact you.</p> <p><b>Notice:  Since information sent by email is at risk of loss of confidentiality when it is transmitted over the internet,  we do not recommend sending confidential information by email.  Such information would include account numbers, social security numbers, credit card numbers, and passwords.</b></p> <p>  <h2><strong><a name="Commercial Leasing">Commercial Loans</a></strong></h2> <p>Cortland Banks is pleased to offer your business the opportunity to increase its potential through commercial loans.  At Cortland Banks, you work with a partner who's committed to helping your business succeed.  Our expertise lies in our ability to comprehend your needs and recommend the loan solution that makes the most sense for your operation.  Our commercial lending representatives work closely with you to fully understand the challenges unique to your business.  They then combine their practical knowledge with innovative loan products to suit your needs, both today and tomorrow.  For additional information on our commercial loan services, contact Greg Yurco.</p> <hr> <p> </p> <form method="POST" action="_vti_bin/shtml.dll/LOAN_PRODUCTS_FRAME.HTM" onSubmit="" name="Loan Products" webbot-action="--WEBBOT-SELF--"> <input TYPE="hidden" NAME="VTI-GROUP" VALUE="1"> <h3><a name="Information Request Form"></a>Information Request Form</h3> <p> <b>Notice:  Information entered into this form is sent to us by Internet email.  Since information sent by email is at risk of loss of confidentiality when it is transmitted over the Internet,  we do not recommend sending confidential information by email.  Such information would include account numbers, social security numbers, credit card numbers, and passwords.</b></p> <p> Select the items that apply, and then let us know how to contact you.</p> <p> <input type="CHECKBOX" name="SendServiceLiterature" checked value="ON"> Send product literature<br> <input type="CHECKBOX" name="SendCompanyLiterature" value="ON"> Send company literature<br> <input type="CHECKBOX" name="SalesContactRequested" value="ON"> Have a salesperson contact me<br> </p> <table> <tr><td align="right"><em>Name</em></td><td><input type="TEXT" name="Name" value size="35"></td></tr> <tr><td align="right"><em>Title</em></td><td><input type="TEXT" name="Title" value size="35"></td></tr> <tr><td align="right"><em>Company</em></td><td><input type="TEXT" name="Company" value size="35"></td></tr> <tr><td align="right"><em>Address</em></td><td><textarea name="Address" rows="5" cols="35"></textarea></td></tr> <tr><td align="right"><em>E-mail</em></td><td><input type="TEXT" name="Email" value size="35"></td></tr> <tr><td align="right"><em>Phone</em></td><td><input type="TEXT" name="Phone" value size="35"></td></tr> </table> <p><input type="SUBMIT" value="Submit Request"> <input type="RESET" value="Reset Form"> </p> <input type="hidden" name="FormName" value="Loan Products"> </form>   <p> </td> </tr> </table> </center> </div>   <p> </td></tr></table><table border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td> <table border="0" width="100%"> <tr> <td width="40%"><img border="0" src="IMAGES/SMALLLOGO.GIF" alt="Cortland Banks Logo" width="150" height="57">     </td> <td width="60%"> <h5> <a href="http://www.cortland-banks.com" target="_top">[Home]</a>  <a href="privacy_policy_frame.htm" target="_top">[Privacy Policy]</a>  <a href="contact_us_frame.htm" target="_top">[Contact Us]</a>  <a href="search_frame.htm" target="_top">[Site Search]</a></h5> </td> </tr> <tr> <td width="40%"> <h5>Copyright © 2000-2007 Cortland Bancorp<br> All Rights Reserved<br> Last modified:   March 02, 2007</h5> </td> <td width="60%"><img border="0" src="IMAGES/EHLlogo.gif" width="92" height="108">          <img border="0" src="IMAGES/FDICmbr.gif" width="110" height="61"></td> </tr> </table> </td></tr></table></body>