First Liberty Bank and Trust

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First Liberty Bank and Trust
210 Church St
Jessup, PA 18434
Phone: (570) 489-4736
Fax: (570) 489-4775

Community Bank, N.A. is headquartered in DeWitt New York, a suburb of Syracuse and has branch offices located in Upstate New York stretching diagonally from Northern New York to the Southern Tier and west to Lake Erie. Its predecessor bank was founded in 1866, and it is the wholly-owned banking subsidiary of Community Bank System, Inc. (CBSI).

In Pennsylvania, Community Bank, N.A. operates as First Liberty Bank and Trust, a division of Community Bank, N.A. First Liberty Bank and Trust (FLB) has branch offices located in Lackawanna, Luzerne, Bradford, Susquehanna, and Wyoming counties in Northeastern Pennsylvania. With predecessor banks dating back to the early 1900s, First Liberty shares our commitment to provide personalized, high-quality service and financial products.

Company Background

CBNA is the wholly-owned national banking subsidiary of Community Bank System, Inc. (CBSI), whose predecessor bank was the St. Lawrence National Bank, chartered in 1866. CBSI was incorporated as a registered bank holding company in 1983 and maintains its principal administrative office in DeWitt, New York. It is the second-largest commercial banking franchise headquartered in Upstate New York. It is a full-service financial institution, offering complete consumer, business, and financial services.

In 2001, CBNA merged with First Liberty Bank and Trust. First Liberty continues to operate under its own name in Pennsylvania, as a division of Community Bank, N.A. First Liberty's predecessor banks date back to the early 1900s. It was organized as a holding company in Pennsylvania in 1984 as the First Jermyn Corp. It acquired Upper Valley Bancorp, Inc., with $271 million in assets, in 1998. Concurrently the First Liberty Bank and Trust name was adopted. In July 2000, First Liberty acquired three offices of Mellon Bank, N.A.

On June 9, 2003, Community Bank System, Inc. (NYSE:CBU) and Grange National BancCorp. (OTC.BB:GRGN.OB) headquartered in Tunkhannock, PA, jointly announced that they signed a definitive agreement for CBU to acquire all the stock of GRGN through a merger of GRGN and CBU.

GRGN's National Bank subsidiary, Grange National Bank, with $285 million in assets, was merged into Community Bank, N.A., CBU's principal subsidiary on November 21, 2003 and its 12 branches were added to the operations as part of First Liberty Bank and Trust. Thomas A. McCullough, current President and Chief Executive Officer of GRGN became President, Pennsylvania Banking for CBU and manages all its banking business in Northeastern Pennsylvania, with branch locations in Lackawanna, Luzerne, Bradford, Susquehanna, and Wyoming counties.

In May 2004, CBU acquired First Heritage Bank with $275 million in assets. The transaction added three branches in Northeastern Pennsylvania now operating as First Liberty Bank and Trust.

Regional administrative locations of the bank are located in Canton and Olean, New York, and Scranton, PA and share operational responsibility for CBNA and First Liberty Bank & Trust customer facilities and ATMs throughout Northern New York, the Finger Lakes Region, the Southern Tier, Southwestern New York, and Northeastern Pennsylvania.

Other subsidiaries within the CBSI family are Nottingham Advisors, Inc., an investment management firm based in Buffalo, New York; Benefit Plans Administrative Services, LLC., a pension administration and consulting firm located in Utica, New York, serving sponsors of defined benefit and defined contribution plans; Harbridge Consulting Group, and actuarial pension and consulting business located in Syracuse, NY; and Community Investment Services, Inc. (CISI) in NY and dba First Liberty Investment Services in PA, a broker/dealer delivering financial products and long-term health and other insurance products from selected locations within Community Bank and First Liberty Banks' branch system.

Loans

Borrow money quickly and confidently. Whether you're buying or improving a home, sending a child off to school, or buying a new car, we've got the loan to make your dreams a reality. Credit approval required.

First Liberty Bank EZ-Pay! New!
With First Liberty Bank EZ-Pay you can make your First Liberty Bank and Trust consumer loan payments electronically even if you don't have a First Liberty Bank checking or savings account. To schedule your payment on the Internet, Click Here, or to schedule your payment using our Automated Voice Response service, call 1-800-239-8513. Payments scheduled by 6:00pm Eastern Standard Time will be credited to your loan on the same day. It couldn't be Easier!

Consumer Installment Loans
Installment loans are competitively priced and easy to apply for. Use these loans for almost anything, including the purchase of automobiles and recreational vehicles, home improvements, vacations, and miscellaneous personal needs. Payment protection, Credit life and disability insurances are available to make loan payments for your family in the event of your illness or death. Automatic transfer payment or coupon books make repayment simple and convenient and may qualify you for further discounts on your loan.

Home Equity Loans and Mortgages
Whether you plan to purchase, construct or refinance your home, we have a loan option that will fit your budget. Automatic transfer or coupon books make repayment simple, and your interest paid may be tax-deductible (consult your tax advisor.)

Land Only Loan
Loans available to consumers for the purchase of undeveloped real estate or raw land!
Land improved with the infrastructure necessary for future development, further defined as improved with sewers, water pipes and utility cables. Rural properties where public utilities are available at the road will be considered finished or buildable. Rural properties with an existing septic and well, will not be considered buildable unless tested and certified as functional.

Credit Cards
Make shopping, entertaining, traveling and paying bills safer and more convenient than with any other form of payment. We have joined with MBNA to offer you a credit card with no annual fees, a competitive interest rate and balance transfer service. Cash advances up to your available credit limit can be obtained easily at any of our 130 branches or at over 450,000 locations worldwide.

2008 FIRST LIBERTY BANK & TRUST