Cortland Banks Rates

<body stylesrc="index.htm"><table dir="ltr" border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td valign="top"> <p><b><a href="#Deposit Product Rates"><font size="4">Deposit Product Rates</font></a></b></p> <p><b><font size="4"><a href="#Consumer Loan Rates">Consumer Loan Rates</a> </font></b></p> <p><b><font size="4"><a href="#Mortgage Loan Rates">Mortgage Loan Rates</a></font></b></p> <h1> </h1> <h1><font size="5"><a name="Deposit Product Rates">Deposit Product Rates</a></font></h1> <table border="10" width="100%" cellpadding="10"> <tr> <td width="50%"> <p align="center"><b>Effective Date:  June 15, 2007</b></p> </td> </tr> <tr> <td width="50%"> <table border="1" width="100%" height="737"> <tr> <td width="30%" height="38"><b>Account Type</b></td> <td width="22%" align="center" height="38"><b>Rate</b></td> <td width="26%" align="center" height="38"><b>Annual Percentage Yield*</b></td> <td width="22%" align="center" height="38"><b>Minimum Balance ($)</b></td> </tr> <tr> <td width="30%" height="38">Passbook and Statement Savings</td> <td width="22%" align="center" height="38">0.499%</td> <td width="26%" align="center" height="38">0.500%</td> <td width="22%" align="center" height="38">200</td> </tr> <tr> <td width="30%" height="19">Super Passbook  & Platinum Savings Tier 1</td> <td width="22%" align="center" height="19">0.499%</td> <td width="26%" align="center" height="19">0.500%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="20">Super Passbook & Platinum Savings Tier 2</td> <td width="22%" align="center" height="20">1.490%</td> <td width="26%" align="center" height="20">1.500%</td> <td width="22%" align="center" height="20">10,000</td> </tr> <tr> <td width="30%" height="19">Super Passbook & Platinum Savings Tier 3</td> <td width="22%" align="center" height="19">1.736%</td> <td width="26%" align="center" height="19">1.750%</td> <td width="22%" align="center" height="19">25,000</td> </tr> <tr> <td width="30%" height="19">Super Passbook & Platinum Savings Tier 4</td> <td width="22%" align="center" height="19">1.982%</td> <td width="26%" align="center" height="19">2.000%</td> <td width="22%" align="center" height="19">75,000</td> </tr> <tr> <td width="30%" height="19">Regular Checking</td> <td width="22%" align="center" height="19">No Interest</td> <td width="26%" align="center" height="19">No Interest</td> <td width="22%" align="center" height="19">300</td> </tr> <tr> <td width="30%" height="19">Interest Tiered Checking Tier 1</td> <td width="22%" align="center" height="19">0.100%</td> <td width="26%" align="center" height="19">0.100%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">Interest Tiered Checking Tier 2</td> <td width="22%" align="center" height="19">0.150%</td> <td width="26%" align="center" height="19">0.150%</td> <td width="22%" align="center" height="19">5,000</td> </tr> <tr> <td width="30%" height="19">Interest Tiered Checking Tier 3</td> <td width="22%" align="center" height="19">0.249%</td> <td width="26%" align="center" height="19">0.250%</td> <td width="22%" align="center" height="19">10,000</td> </tr> <tr> <td width="30%" height="19">Interest Tiered Checking Tier 4</td> <td width="22%" align="center" height="19">0.374%</td> <td width="26%" align="center" height="19">0.375%</td> <td width="22%" align="center" height="19">25,000</td> </tr> <tr> <td width="30%" height="38">Money Market Plus Checking Tier 1</td> <td width="22%" align="center" height="38">0.747%</td> <td width="26%" align="center" height="38">0.750%</td> <td width="22%" align="center" height="38">2,500</td> </tr> <tr> <td width="30%" height="38">Money Market Plus Checking Tier 2</td> <td width="22%" align="center" height="38">2.716%</td> <td width="26%" align="center" height="38">2.750%</td> <td width="22%" align="center" height="38">10,000</td> </tr> <tr> <td width="30%" height="38">Money Market Plus Checking Tier 3</td> <td width="22%" align="center" height="38">3.445%</td> <td width="26%" align="center" height="38">3.500%</td> <td width="22%" align="center" height="38">50,000</td> </tr> <tr> <td width="30%" height="38">Money Market Plus Checking Tier 4</td> <td width="22%" align="center" height="38">4.169%</td> <td width="26%" align="center" height="38">4.250%</td> <td width="22%" align="center" height="38">100,000</td> </tr> <tr> <td width="30%" height="38">Money Market Plus Checking Tier 5</td> <td width="22%" align="center" height="38">4.650%</td> <td width="26%" align="center" height="38">4.750%</td> <td width="22%" align="center" height="38">500,000</td> </tr> <tr> <td width="30%" height="19">91-day Certificate</td> <td width="22%" align="center" height="19">3.455%</td> <td width="26%" align="center" height="19">3.500%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">182-day Certificate</td> <td width="22%" align="center" height="19">4.426%</td> <td width="26%" align="center" height="19">4.500%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">1-year Certificate</td> <td width="22%" align="center" height="19">4.909%</td> <td width="26%" align="center" height="19">5.000%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="22">18-month Certificate</td> <td width="22%" align="center" height="22">4.788%</td> <td width="26%" align="center" height="22">4.875%</td> <td width="22%" align="center" height="22">1,000</td> </tr> <tr> <td width="30%" height="19">24-month Certificate</td> <td width="22%" align="center" height="19">4.668%</td> <td width="26%" align="center" height="19">4.750%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">30-month Certificate</td> <td width="22%" align="center" height="19">4.668%</td> <td width="26%" align="center" height="19">4.750%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">3-year Certificate</td> <td width="22%" align="center" height="19">4.668%</td> <td width="26%" align="center" height="19">4.750%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">3 1/2-year Certificate</td> <td width="22%" align="center" height="19">4.668%</td> <td width="26%" align="center" height="19">4.750%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">5-year Certificate</td> <td width="22%" align="center" height="19">4.668%</td> <td width="26%" align="center" height="19">4.750%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">7-year Certificate</td> <td width="22%" align="center" height="19">4.581%</td> <td width="26%" align="center" height="19">4.660%</td> <td width="22%" align="center" height="19">1,000</td> </tr> <tr> <td width="30%" height="19">10-year Certificate</td> <td width="22%" align="center" height="19">4.426%</td> <td width="26%" align="center" height="19">4.500%</td> <td width="22%" align="center" height="19">1,000</td> </tr> </table> </td> </tr> <tr> <td width="50%"> <p align="center"><b>*Annual Percentage Yield computed using monthly compounding.</b> </p> <p align="center"><i>On Certificates, and on regular Passbook and Statement Savings accounts, interest compounds quarterly (unless otherwise noted).</i> <p align="center"><i>On Interest Checking,  Money Market Plus Checking, Platinum Savings and Super Passbook accounts, interest compounds monthly (unless otherwise noted).</i> <p align="center"><i>The rates for Passbook, Statement Savings, Interest Checking, and Money Market accounts are variable and may change after your account is opened.</i></p> <p align="center"><b>The annual percentage yields quoted are accurate as of the effective date listed above.<br> Fees may reduce your earnings on your account.<br> Substantial penalty for early withdrawal on Certificates of Deposit.</b><br> <b>Member FDIC.</b></p> <p align="center">  </td> </tr> </table>  <p> </p> <h1><font size="5"><a name="Consumer Loan Rates">Consumer Loan Rates</a></font></h1> <table border="10" cellpadding="10" style="border-collapse: collapse; text-align: Center" width="100%" id="AutoNumber2"> <tr> <td> <p class="MsoNormal" align="center" style="text-align:center">Consumer Loan Rates are effective<b> <span style="mso-field-code:FORMTEXT">October 17, 2006 </span></b><b style="mso-bidi-font-weight:normal"><br> Rates are subject to change without notice.<br> </b><span style="mso-bidi-font-weight:bold">Prime currently</span><b style="mso-bidi-font-weight:normal"> </b> <span style="mso-bookmark:Text1"><b style="mso-bidi-font-weight:normal"><a name="Text1"></a>8.25 </b></span> <b style="mso-bidi-font-weight:normal">%<br style="mso-special-character:line-break"> <br style="mso-special-character:line-break"> </b><span style="mso-bidi-font-weight:bold"><o:p> </o:p> </span></p> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-tab-count:1">            </span>Rate example:<span style="mso-spacerun: yes">  </span>If you borrowed with no down payment, at  <span style="mso-bookmark:Text2"><a name="Text2"></a>7.03 </span> % APR* for 72 months, the monthly payment will be $ <span style="mso-bookmark:Text3"><a name="Text3"></a>168.95 </span> per $10,000.00 borrowed.<br style="mso-special-character:line-break"> <br style="mso-special-character:line-break"> </p> <p class="MsoNormal" align="center" style="text-align:center"> <o:p> </o:p> </p> <p class="MsoNormal" align="center" style="text-align:center;mso-outline-level: 1"><b>CARS AND TRUCKS ONE TON AND UNDER<o:p> </o:p> </b></p> <div align="center"> <table border="1" cellpadding="0" width="80%" style="width:80.0%;mso-cellspacing: 1.5pt"> <tr> <td width="32%" style="width:32.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Year<o:p> </o:p> </b></p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Maximum term in months</b></p> </td> <td width="32%" style="width:32.72%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>APR*<br> Based on $10,000 loan amount</b></p> </td> </tr> <tr> <td width="32%" style="width:32.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">2007-2006-2005<br> New or Used</p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">72</p> </td> <td width="32%" style="width:32.72%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-field-code:FORMTEXT">7.03 </span>%</p> </td> </tr> <tr> <td width="32%" style="width:32.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">2004-2003-2002<br> Used</p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">66</p> </td> <td width="32%" style="width:32.72%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-field-code:FORMTEXT">7.32 </span>%</p> </td> </tr> <tr> <td width="32%" style="width:32.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">2001-2000<br> Used</p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">60</p> </td> <td width="32%" style="width:32.72%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-field-code:FORMTEXT">7.63 </span>%</p> </td> </tr> <tr> <td width="32%" style="width:32.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">1999 and Older<br> Used</p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">36</p> </td> <td width="32%" style="width:32.72%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-field-code:FORMTEXT">10.03 </span>%</p> </td> </tr> </table> </div> <p class="MsoNormal" align="center" style="text-align:center">Not everyone will qualify for these rates.<span style="mso-spacerun: yes">  </span>Your rate may be higher.</p> <p class="MsoNormal" align="center" style="text-align:center"> <o:p> </o:p> </p> <p class="MsoNormal" align="center" style="text-align:center"> <o:p> </o:p> </p> <p class="MsoNormal" align="center" style="text-align:center;mso-outline-level: 1"><b style="mso-bidi-font-weight:normal">HOME EQUITY – CLOSED END<o:p> </o:p> </b></p> <div align="center"> <table border="1" cellpadding="0" width="80%" style="width:80.04%;mso-cellspacing: 1.5pt"> <tr> <td width="24%" style="width:24.48%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Type<o:p> </o:p> </b></p> </td> <td width="24%" style="width:24.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Minimum Loan Amount</b></p> </td> <td width="24%" style="width:24.68%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Loan to Value<span style="mso-bidi-font-size:8.0pt"><o:p> </o:p> </span></b></p> </td> <td width="24%" style="width:24.5%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>APR*<br> Based on Minimum Loan Amount</b></p> </td> </tr> <tr> <td width="24%" style="width:24.48%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">180 Months</p> </td> <td width="24%" style="width:24.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">$10,000</p> </td> <td width="24%" style="width:24.68%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">90% MAX.</p> </td> <td width="24%" style="width:24.5%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-field-code:FORMTEXT">7.03 </span>%<b style="mso-bidi-font-weight:normal"><o:p> </o:p> </b></p> </td> </tr> <tr> <td width="24%" style="width:24.48%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">120 Months</p> </td> <td width="24%" style="width:24.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">$10,000</p> </td> <td width="24%" style="width:24.68%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">90% MAX.</p> </td> <td width="24%" style="width:24.5%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"> <span style="mso-bookmark:APR30"><a name="APR30"></a>6.64 </span> %</p> </td> </tr> <tr> <td width="24%" style="width:24.48%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">60 Months</p> </td> <td width="24%" style="width:24.7%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">$5,000</p> </td> <td width="24%" style="width:24.68%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">90% MAX.</p> </td> <td width="24%" style="width:24.5%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"> <span style="mso-bookmark:APR20"><a name="APR20"></a>7.23 </span> %</p> </td> </tr> </table> </div> <p class="MsoNormal" align="center" style="text-align:center">Not everyone will qualify for these rates.<span style="mso-spacerun: yes">  </span>Your rate may be higher.</p> <p class="MsoNormal" align="center" style="text-align:center"> <o:p> </o:p> </p> <p class="MsoNormal" align="center" style="text-align:center"> <o:p> </o:p> </p> <p class="MsoNormal" align="center" style="text-align:center;mso-outline-level: 1"><b style="mso-bidi-font-weight:normal">HOME EQUITY LINES OF CREDIT – VARIABLE RATE**<o:p> </o:p> </b></p> <div align="center"> <table border="1" cellpadding="0" width="57%" style="width:57.28%;mso-cellspacing: 1.5pt"> <tr> <td width="32%" style="width:32.62%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Loan to Value<span style="mso-bidi-font-size:8.0pt"><o:p> </o:p> </span></b></p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>Loan Amounts</b></p> </td> <td width="32%" style="width:32.64%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>APR*</b></p> </td> </tr> <tr> <td width="32%" style="width:32.62%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">90%</p> </td> <td width="32%" style="width:32.9%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">$5,000 or greater</p> </td> <td width="32%" style="width:32.64%;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><span style="mso-field-code:FORMTEXT">7.25 </span>%</p> </td> </tr> </table> </div> <p class="MsoNormal" align="center" style="text-align:center">**There is a <b>PRE-PAYMENT PENALTY</b> of $300.00 if the line is closed within<br> the first 36 months.<span style="mso-spacerun: yes">  </span>Rates are based on qualifying credit and your rate may be higher.<span style="mso-spacerun: yes">  </span>The Annual Percentage<br> Rate will not go below 4.0% or exceed 18.0% depending on your qualifying rate.<span style="mso-spacerun: yes">  </span>Rates are subject to change<br> without notice throughout the life of the loan.<br style="mso-special-character: line-break"> <br style="mso-special-character:line-break"> </p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal">*APR = Annual Percentage Rate</b><i style="mso-bidi-font-style:normal"><o:p> </o:p> </i></p> <p> </td> </tr> </table>   <p> </p> <h1><font size="5"><a name="Mortgage Loan Rates">Mortgage Loan Rates</a></font></h1> <table border="10" cellpadding="10" style="border-collapse: collapse" width="100%" id="AutoNumber1"> <tr> <td> <p class="MsoNormal" align="center" style="text-align:center">Mortgage Rates are effective <b>June 21, 2007<br> Rates are subject to change daily without notice.<br> <![if !supportLineBreakNewLine]><br>  <![endif]></b></p> <table class="MsoNormalTable" border="0" cellpadding="0" width="100%" style="width: 100.0%"> <tr> <td width="99%" style="width:99.34%;padding:7.5pt 7.5pt 7.5pt 7.5pt"> <table class="MsoNormalTable" border="1" cellpadding="0" width="96%" style="width: 96.4%"> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal"><b>Loan Term</b></td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b> Interest Rate</b></td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b>APR*</b></td> <td width="118" valign="top" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><b> <span style="font-size:10.0pt">Estimated Monthly Payment<br> </span><span style="font-size:8.0pt">(Not Including Escrows)</span></b></td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="margin-left:16.7pt;text-align:center; text-indent:-16.7pt"><b>Closing Costs</b></td> </tr> <tr> <td width="559" colspan="5" style="width:419.6pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal"><b>Rates for Conventional Loans under $417,000:</b></td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">30 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.750%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.821%**</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$648.60</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">20 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.750%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.843%**</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$760.36</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">15 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.500%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.615%**</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$871.11</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">10 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.375%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.536%**</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$1,129.13</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">1/1 Adjustable</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>5.750%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.613%**</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$583.57</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">3/1 Adjustable</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.500%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.480%**</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$632.07</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="559" colspan="5" style="width:419.6pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal"><b>Rates for Jumbo Loans exceeding $417,000:</b></td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">30 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.000%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.016%***</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$2,780.96</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">20 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.875%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.898%***</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$3,209.46</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">15 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.750%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.776%***</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$3,698.92</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">10 Year Fixed</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.625%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>6.661%***</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$4,772.93</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">1/1 Adjustable</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.375%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.727%***</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$2,887.02</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> <tr> <td width="117" style="width:87.4pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal">3/1 Adjustable</td> <td width="94" style="width:70.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.000%</td> <td width="106" style="width:79.45pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>7.559%***</td> <td width="118" style="width:88.5pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center"><![if !supportNestedAnchors]><![endif]>$2,780.96</td> <td width="117" style="width:87.75pt;padding:.75pt .75pt .75pt .75pt"> <p class="MsoNormal" align="center" style="text-align:center">0 points plus closing costs</td> </tr> </table> <p class="MsoNormal"> </td> </tr> </table> <p class="MsoNormal" align="center" style="text-align:center"><br> <b>*APR = Annual Percentage Rate<br> </b><br> <i>** Based on a Loan Amount of $100,000.00<br> <br> *** Based on a Loan Amount of $418,000.00<br> <br> Estimated closing costs are $1,002.50, plus Title Charges and Recording Fees.<br> <br> This is a small sample of our available mortgage products.</i></p> <p class="MsoNormal" align="center" style="text-align:center"><i><br> 40 Year Terms are available (call for pricing)</i></p> <p class="MsoNormal" align="center" style="text-align:center"><i><br> Construction financing is also available (call for pricing)</i></td> </tr> </table> <table class="MsoNormalTable" border="0" cellpadding="0" width="100%" style="width: 100.0%"> <tr> <td width="99%" style="width:99.34%;padding:7.5pt 7.5pt 7.5pt 7.5pt">  </td> </tr> </table> <p class="MsoNormal" align="center" style="text-align:center"> <i> <br> </i> </p>  <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>