NBT Bank

NBT Bank offers a wide range of financial products and services to help meet a variety of needs. We strive to ensure that our customers receive the highest level of service. For us, there is no finish line when it comes to customer service. Our personalized approach distinguishes us from our larger regional and national competitors. Our focus on providing innovative products and services sets us apart from our community bank competitors. NBT Bank understands that local businesses are the lifeblood of their communities. That is why we work with small and large businesses to develop individualized plans that help foster their success. We offer commercial and small business banking, trust and investment services, financial consulting, retirement plan administration and cash management services. We can help businesses,and municipalities and nonprofit organizations,better manage their resources. NBT Bank is a subsidiary of NBT Bancorp Inc., which is listed on the NASDAQ as NBTB. Our employees, management and directors own approximately ten percent of our company. This demonstrates our commitment to the long-term success of our company and to serving the mutual interests of our customers and stockholders. This commitment is reflected in our performance. Our company has made uninterrupted dividend payments since 1857, and it has recently achieved four straight years of record net income from 2002 through 2005.