Cortland Banks Privacy Policy

<body stylesrc="index.htm"><table dir="ltr" border="0" cellpadding="0" cellspacing="0" width="100%"><tr><td valign="top"> <div align="center"> <table border="0" width="100%"> <tr> <td width="100%"> <h1><b><font size="5">Privacy Policy</font></b></h1> <h2 align="left"><b><font size="4">CUSTOMER INFORMATION AND PRIVACY POLICY</font></b></h2> <p class="MsoBodyText" align="left">The Cortland Savings and Banking Company is committed to protecting the privacy of our customers’ information.<span style="mso-spacerun: yes">  </span>As evidence of our strong commitment to protecting our customers’ privacy, we have adopted the following privacy principles and have implemented them at all levels of our organization.<span style="mso-spacerun: yes">   </span>Our policies apply to former and inactive customers as well as to current customers.</p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">1.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">Our Customers Expect Privacy.</span></b><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt"><o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">We understand that you expect your personal and financial affairs to be held in the strictest confidence.<span style="mso-spacerun: yes">  </span>As a customer of the Cortland Savings and Banking Company, you have entrusted us to protect your privacy and to safeguard your personal information.<span style="mso-spacerun: yes">  </span>We take this responsibility seriously and have designed policies and procedures to prevent misuse of this information.<o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">2.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">Why We Collect, Retain, and Use Customer Information.</span></b><span style="font-size:12.0pt;mso-bidi-font-size: 10.0pt"><o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">We collect, retain, and use information about you that we deem necessary to administer our business and provide products, services, and other opportunities to you.<span style="mso-spacerun: yes">  </span>If we collect information about you, we do so for a specific business purpose; and if you request, we will tell you why we are collecting the information.<span style="mso-spacerun: yes">  </span>Some of the reasons we use your information are the following:<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l2 level1 lfo2; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">To protect and administer your records, accounts and funds.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l2 level1 lfo2; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">To comply with certain laws and regulations.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l2 level1 lfo2; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">To help us design and improve our products and services.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l2 level1 lfo2; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">To better understand your financial needs.<o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">3.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">We Will Maintain Accurate Information.</span></b><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt"><o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">Maintaining the accuracy of your personal information is important.<span style="mso-spacerun: yes">  </span>We have procedures to help assure that your personal information is accurate, current and complete.<span style="mso-spacerun: yes">  </span>We also have procedures to correct inaccurate information in a timely manner, including processes to update information or remove outdated information.<span style="mso-spacerun: yes">  </span>If you discover any information we have about you that is incorrect, please let us know.<o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">4.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">We Limit Employee Access To Your Information.</span></b><span style="font-size:12.0pt;mso-bidi-font-size: 10.0pt"><o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><b style="mso-bidi-font-weight: normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></b></p> <p class="MsoBodyText" align="left">Access to personally identifiable information about you is limited to those employees who have a specific business reason to know such information.<span style="mso-spacerun: yes">  </span>Our employees are educated and trained on the importance of confidentiality and privacy of customer information.<span style="mso-spacerun: yes">  </span>Appropriate disciplinary action is taken if employees do not adhere to this Policy, or procedures relating to this Policy.</p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">5.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">Security Procedures Protect Your Information</span></b><span style="font-size:12.0pt;mso-bidi-font-size: 10.0pt">.<o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><b style="mso-bidi-font-weight: normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></b></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">We establish and maintain security procedures designed to help prevent unauthorized access to your private, confidential information.<span style="mso-spacerun: yes">  </span>These procedures help to provide assurance that our computers, hardware, software, and other technology maintain a high level of integrity.<span style="mso-spacerun: yes">  </span>In addition, our third party processors test for security regularly and provide us with authentication for our review. <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">6.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">We Restrict Disclosure of Account Information.</span></b><span style="font-size:12.0pt;mso-bidi-font-size: 10.0pt"><o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><b style="mso-bidi-font-weight: normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></b></p> <p class="MsoBodyText" align="left">It is not our policy to sell your private, confidential information to others.<span style="mso-spacerun: yes">  </span>We do reveal specific information about your accounts or other personally identifiable data to parties outside our organization under the following circumstances:</p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l0 level1 lfo3; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">You request or authorize disclosure.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l0 level1 lfo3; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">The information is provided to help complete a transaction<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: .25in; margin-left: 1.0in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">initiated by you.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l0 level1 lfo3; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">The information is provided to a reputable credit bureau<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: .25in; margin-left: 1.0in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">or similar information reporting agency.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l0 level1 lfo3; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">The disclosure is otherwise lawfully permitted or required.<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l0 level1 lfo3; tab-stops: list 1.25in; margin-left: 1.25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt;font-family:Symbol">·<span style="font:7.0pt "Times New Roman"">        </span></span><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">When we work with businesses outside our organization<o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: .25in; margin-left: 1.0in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">to provide products and / or customer support services.<o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" style="text-indent: -.25in; mso-list: l1 level1 lfo1; tab-stops: list .25in; margin-left: .25in" align="left"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">7.<span style="font:7.0pt "Times New Roman"">      </span></span><b style="mso-bidi-font-weight:normal"><span style="font-size:12.0pt;mso-bidi-font-size:10.0pt">We Maintain Your Privacy When We Do Business Outside Our Organization.</span></b><span style="font-size: 12.0pt;mso-bidi-font-size:10.0pt"><o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">It is sometimes necessary to provide personally identifiable information about you to a party outside our organization.<span style="mso-spacerun: yes">  </span>Some examples are when we use a vendor or service company to prepare your account statements or to provide support for one or more of our products or services.<span style="mso-spacerun: yes">  </span>We may also provide nonpublic personal information to nonaffiliated service providers and joint marketers.<span style="mso-spacerun: yes">  </span>This may include the marketing of our products, or other products, to enhance and expand the financial products and services available to you. When we work with outside businesses or companies, these vendors agree to safeguard your personal and confidential information, and they must also abide by all applicable laws and regulations.<o:p> </o:p> </span></p> <p class="MsoNormal" align="left"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> </span><center><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">YOU DO NOT NEED TO REQUEST CONFIDENTIALITY…<o:p> </o:p> </span></i></b></p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt">IT IS OUR STANDARD PRACTICE.<o:p> </o:p> </span></i></b></p> <p class="MsoNormal" align="center" style="text-align:center"><b style="mso-bidi-font-weight: normal"><i style="mso-bidi-font-style:normal"><span style="font-size:12.0pt; mso-bidi-font-size:10.0pt"> <o:p> </o:p> </span></i></b> </center></td> </tr> </table> </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>