Public Comment EGRPRA3, Wilber National Bank, Oneonta, NY

245 Main Street P. P. Bax 430 Oneonla, Nw Yolk 138204430 607-432-q700 wwlMNWwibe~kmm 800-374-T980 AMMO symbol: GLn Public hfmtim Room Office of the Cempl~oller of 1 ~e Cwrency 250 Ti: Sheet SSw Mailstop 1-5 Washington, D.C. 202 19 Attention: Docket d 041 8 Dear Sir or Madam: Wilber National Bank is s cormity bank with 19 offices and asseft of $73 7 m~Uton, located itl cmhal New York Tht purpose af hs letrer ia to provide comment on the Agencies' request fsi burden duction recommend; rims relativc to consumes pmtcction rules pmining to amounts, dtpoat telationships, and rnis~:eIlaneaus consumer rules. As a community bank Wilber National Bank supparts the EWRA praj aet and commmds the banking agencies for thei~ effims to identify outdabd, unnecessary, w unduly burdmsorne regulatov rc~mts. Accordingly, Wilber Xatianal Bank dd lrkc ro this opportunity to offer comment on lrhe follo~ving issues: Privacy of Consumer Fiuancial Informatian The annual privacy notice tlw bank must provide ro the17 customers is not only vuy time cunsuming and costly, but the lampage for the notices required by law md regulatron is confusing to customas. A standardized, short fom notice wouId be welcome, but it should replate, not supplement, the eristmg notice. Eva more importwt, financial institutions should not have to smd/maiI an mud privacy notice if they do not change theit pti.rmcy policies and procedures. We ~IVC OUT customers the notice at account openiag. That ...