DELHI BANK CORP

Delhi Bank Corp. is a bank holding company for The Delaware National Bank of Delhi, which offers commercial banking products and services to individuals and small businesses. The company provides various deposit accounts, including demand, interest-bearing time and savings, personal and business checking, NOW, health savings, money market, club, certificates of deposit, and individual retirement accounts. Its loan offerings encompass automobile, motorcycle, recreational vehicle, and boat loans; residential and commercial real estate, home improvements, rental property, vacant land, overdraft protection, personal, commercial and construction loans, commercial real estate, manufactured housing, second homes, and agricultural loans; and home equity and commercial lines of credit. Additionally, Delhi Bank Corp. provides ATM and debit card services, external transfers, automatic transfers and payments, card valet, direct deposit of social security and other pensions, free night depository, personal money orders, safe deposit boxes, telephone banking, wire transfers, automatic clearing house transfers, bank-by-mail, coin redemption, notary public services, rolled coin, and Visa/MasterCard merchant account services. Delhi Bank Corp. was established in 1839 and is based in Delhi, New York.