March 30, 2020

First and foremost, we hope that this message finds you well and that you are taking all necessary precautions to stay that way.

The interruption to daily routines is a challenge for us all. As a Bank with the motto, "It's all about people," we thrive on personal customer interaction. Although that is temporarily limited, 13 of our 15 branches remain open, and our staff is ready to help you at drive-up windows, by phone, by email, or by appointment, as circumstances permit.

While helping to eliminate the current COVID-19 health crisis is everyone's job #1, we are acutely aware of the unprecedented financial stress felt by many of our customers---"Main Street" businesses, family farms, and individuals throughout the Finger Lakes and greater Rochester area. Accordingly, we are taking a proactive role to help minimize this stress by reaching out to you, listening to your financial concerns, and discussing options available to address the financial burden caused by the virus. There are many available options, including short-term loan assistance and payment forbearance. Our LNB team of branch managers, commercial lenders, and mortgage specialists are here to help you understand programs recently instituted by Congress and the U.S. Treasury Department.

Each person's financial situation is unique. As a hometown community bank, we have the privilege of knowing our customers well, and we have the ability to make quick decisions and deliver tailored solutions.

At a time when many are feeling uncertain about the future, please know that you can count on LNB to be here for you. The Bank has weathered many storms in the 168 years that we have been in business, and we have helped our customers do the same.

As a result of our sound banking practices, LNB is in a strong position to continue to meet the banking needs of our customers and communities. We are committed to doing so---today and for future generations to come.

Please feel free to reach out to us, and stay safe!

Sincerely,


Robert A. Schick
Chairman of the Board CEO


Thomas L. Kime
President