NBT BANCORP

Banking; Credit and debit card services; Fiduciary services, namely, fiduciary representative services; Financial administration of retirement plans; Financial advice; Financial advisory and consultancy services, namely, advising financial service providers in the field of retirement plan design and implementation; Financial custody services, namely, maintaining possession of financial assets for others for financial management purposes; Financial planning; Financial retirement plan consulting services; Financing services; Insurance agencies; Insurance information and consultancy; Investment management; Mortgage lending; Providing financial information; Trust management accounts