Über NBT BANCORP INC.

NBT Bancorp Inc. is a financial holding company. It primarily operates through NBT Bank, N.A. (the Bank), a full-service community bank, and through two financial services subsidiaries. Its business, primarily conducted through the Bank, consists of providing commercial banking, retail banking and wealth management services. The Bank offers a range of products and services tailored to individuals, corporations and municipalities. The Bank’s deposit products include demand deposit accounts, savings accounts, interest-bearing checking accounts, MMDA and CD accounts. The Bank’s loan products include indirect and direct consumer loans, home equity loans and mortgages. The Bank has approximately 176 banking locations in New York, Pennsylvania, Vermont, Massachusetts, New Hampshire, Maine and Connecticut. It operates EPIC Retirement Plan Services, which is a national benefits administration firm. It operates NBT Insurance Agency, LLC, which is a full-service regional insurance agency.