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NBT Bancorp Inc. is a financial holding company and a bank holding company. The Company's business, primarily conducted through the Bank but also through its other subsidiaries, consists of providing commercial banking and financial services to its customers in its market area, which includes central and upstate New York, northeastern Pennsylvania and Burlington, Vermont. As a community-oriented financial institution, the Company provides services to retail, commercial and municipal customers. It also provides other services through its subsidiaries, such as insurance, retirement plan administration and trust administration.