Cortland Bancorp retains IST Shareholder Services

December 20, 2010
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December 20, 2010

Dear Shareholder:

On behalf of the Board of Directors and our management team it is my pleasure to announce that Cortland Bancorp has retained IST Shareholder Services as the Company‚Äôs transfer agent.  The increased number of shareholders over the years and the complexity of regulations prompted our Company to engage IST Shareholder Services.

All stock transfers, registration, changes of address, or replacement certificates will be handled by IST Shareholder Services.  Your contact information for IST by telephone is (312)427-2953 or toll-free at (800)757-5755 between 8:30 a.m. and 5:00 p.m.  Their mailing address is:    

                IST Shareholder Services
                209 West Jackson Blvd., Suite 903
                Chicago, IL 60606-6905

We are confident that IST will provide quality customer service.  We do, however, understand that many of you have become accustomed to talking to our bank shareholder service personnel directly regarding shareholder services.  I want to assure you that Deb Eazor and our staff will continue to be available to assist you, especially during this transition period.  Thank you for your continued support of Cortland Bancorp.

Sincerely,
James M. Gasior
President  & CEO
Member FDIC
Equal Housing Lender
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