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Corporate Structure

ES&L Bancorp, Inc. is the parent company of Elmira Savings & Loan, F.A., a federally chartered thrift institution operating as a Community Bank. Founded in 1888, Elmira Savings & Loan, F.A. has two branches: our corporate headquarters in Downtown Elmira, NY, and a cashless branch in Ithaca, NY. The Corporation, through the Bank, is primarily engaged in the business of accepting deposits from the general public and originating loans secured by residential real estate. The Bank also engages in commercial real estate lending in its primary market area and, to a lesser extent, consumer lending, and invests in government and federal agency obligations.

ES&L Subsidiaries

Brilie Corporation, d/b/a a ES&L Financial Services- located in ES&L's main office in Downtown Elmira. ES&L Financial Services offers nontraditional, non-insured investment products to Bank customers and the general public. It also offers a wide variety of insurance products (life, health, etc.) as well as annuities and mutual funds. ES&L Financial Services offers these products under an agency relationship with Insurance companies and third party mutual fund providers.

ES&L Mortgage Corporation, d/b/a/ Cayuga Mortgage Company is a residential mortgage banking operation, specializing in the orgination of purchase money and construction first mortgages. Cayuga Mortgage is located in Ithaca, NY and operates in the same suite of offices as the Bank's cashless deposit office.

PACE Funding Company is a mortgage banking partnership between ES&L Mortgage Corporation and Audrey Edelman & Associates Real Estate, the largest real estate agency in Tompkins County. PACE Funding, which operates from offices within the Edelman Real Estate office, originates residential mortgages throughout Tompkins, Cortland and Cayuga counties.

Choice One Lending Company, LLC is a licensed New York State Mortgage Banking Company formed by subsidiaries of Elmira Savings & Loan, F.A. and Corning Natural Gas Corporation. Choice One operates from the Prudential Ambrose & Shoemaker Real Estate office in Horseheads, NY.

Town & Country, LLC issues title insurance for residential properties. ES&L Bancorp partners with Audrey Edelman & Associates Real Estate and Prudential Ambrose & Shoemaker Real Estate in this venture.

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