Cortland Bancorp

TICKER: CLDB


Cortland Bancorp was incorporated under the laws of the State of Ohio in 1984, as a one-bank holding company registered under the Bank Holding Company Act of 1956, as amended. The principal activity of the Company is to own, manage and supervise the Cortland Savings and Banking Company ("Cortland Banks" or the "Bank"). The Company presently owns all of the outstanding shares of the Bank.

Cortland Bancorp conducts no other business activities except for investments in securities as permitted under the Bank Holding Company Act. The business of the Company and the Bank is not seasonal to any significant extent and is not dependent on any single customer or group of customers.

Cortland Bancorp stock trades on the NASDAQ OTC Bulletin Board (OTCBB) under the symbol CLDB. The corporation makes available to shareholders a dividend reinvestment plan, which includes safekeeping services. There are no service charges under the plan.

Market Maker Contact

Boenning & Scattergood, Inc.

9916 Brewster Lane
Powell, Ohio 43065
614.408.1222

Investor Relations Contact

Deborah L. Eazor
Vice President, Cortland Banks
DLEazor@cortland-banks.com
330.637.8040

Investor Relations Website

Member FDIC
Equal Housing Lender
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