Agreement to furnish instruments and agreements defining rights of holders of long-term debt
194 West Main Street
Cortland, OH 44410
March 5, 2020
Securities and Exchange Commission
100 F Street, NE
Washington, D.C. 20549
Re: Cortland Bancorp Annual Report on Form 10-K for the year ended December 31, 2019
Ladies and Gentlemen:
Cortland Bancorp, an Ohio corporation, is today filing an Annual Report on Form 10-K for the year ended December 31, 2019 (the "Form 10-K"), as executed on March 5, 2020.
Pursuant to the instructions relating to the Exhibits in Item 601(b)(4)(iii) of Regulation S-K, Cortland Bancorp hereby agrees to furnish the Commission, upon request, copies of instruments and agreements defining the rights of holders of its long-term debt and of the long-term debt of its consolidated subsidiaries, which are not being filed as exhibits to the Form 10-K. No such instrument or agreement represents long-term debt exceeding 10% of the total assets of Cortland Bancorp and its subsidiaries on a consolidated basis.
Very truly yours,
/s/ James M. Gasior
James M. Gasior
President and Chief Executive Officer
(Principal Executive Officer)