<SEC-DOCUMENT>0001140361-22-044364.txt : 20221205
<SEC-HEADER>0001140361-22-044364.hdr.sgml : 20221205
<ACCEPTANCE-DATETIME>20221205085051
ACCESSION NUMBER:		0001140361-22-044364
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		16
CONFORMED PERIOD OF REPORT:	20221205
ITEM INFORMATION:		Entry into a Material Definitive Agreement
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20221205
DATE AS OF CHANGE:		20221205

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NBT BANCORP INC
		CENTRAL INDEX KEY:			0000790359
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				161268674
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14703
		FILM NUMBER:		221443851

	BUSINESS ADDRESS:	
		STREET 1:		52 S BROAD ST
		CITY:			NORWICH
		STATE:			NY
		ZIP:			13815
		BUSINESS PHONE:		6073372265

	MAIL ADDRESS:	
		STREET 1:		52 S. BROAD STREET
		CITY:			NORWICH
		STATE:			NY
		ZIP:			13815
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>brhc10045075_8k.htm
<DESCRIPTION>8-K
<TEXT>
<XBRL>
<html xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:ix="http://www.xbrl.org/2013/inlineXBRL" xmlns:ixt="http://www.xbrl.org/inlineXBRL/transformation/2020-02-12" xmlns:ixt-sec="http://www.sec.gov/inlineXBRL/transformation/2015-08-31" xmlns:us-gaap="http://fasb.org/us-gaap/2022" xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:country="http://xbrl.sec.gov/country/2022" xmlns:currency="http://xbrl.sec.gov/currency/2022" xmlns:naics="http://xbrl.sec.gov/naics/2022" xmlns:sic="http://xbrl.sec.gov/sic/2022" xmlns:stpr="http://xbrl.sec.gov/stpr/2022" xmlns:exch="http://xbrl.sec.gov/exch/2022" xmlns:srt="http://fasb.org/srt/2022" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:nbtb="http://nbtbank.com/20221205" xmlns="http://www.w3.org/1999/xhtml">
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc.
         Document created using Broadridge PROfile 22.10.2.5096
         Copyright 1995 - 2022 Broadridge -->
    <meta http-equiv="Content-Type" content="text/html" />
</head>

<body style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; background-color: #ffffff;">
<div id="DSPFiXBRLHidden" style="display: none;"><ix:header><ix:hidden><ix:nonNumeric name="dei:AmendmentFlag" id="Fact_d4e2ca54673d42a69327c0bf0b72de8e" contextRef="c20221205to20221205" format="ixt:fixed-false">false</ix:nonNumeric><ix:nonNumeric name="dei:EntityCentralIndexKey" id="Fact_b786f0e730bd4810b50a1931240f9de5" contextRef="c20221205to20221205">0000790359</ix:nonNumeric></ix:hidden><ix:references><link:schemaRef xlink:href="nbtb-20221205.xsd" xlink:type="simple"></link:schemaRef></ix:references><ix:resources><xbrli:context id="c20221205to20221205"><xbrli:entity><xbrli:identifier scheme="http://www.sec.gov/CIK">0000790359</xbrli:identifier></xbrli:entity><xbrli:period><xbrli:startDate>2022-12-05</xbrli:startDate><xbrli:endDate>2022-12-05</xbrli:endDate></xbrli:period></xbrli:context></ix:resources></ix:header></div>

  <hr style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" />
  <div>
    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 12pt; font-weight: bold;">WASHINGTON, D.C. 20549</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_33318e81c44a402c85b8cc084c3dd281" contextRef="c20221205to20221205">8-K</ix:nonNumeric></div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">CURRENT REPORT</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Pursuant to Section 13 or 15(d)</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">of the Securities Exchange Act of 1934</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Date of Report (Date of earliest event reported): <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_0cac507164d14ba29583613b186af22e" contextRef="c20221205to20221205" format="ixt:date-monthname-day-year-en">December 5, 2022</ix:nonNumeric></div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_4e9bf01b67c3476aa698ba4b63bbb060" contextRef="c20221205to20221205">NBT BANCORP INC.</ix:nonNumeric><br />
    </div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Exact name of Registrant as Specified in Its Charter)</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 33%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_dd9a96afc5574d758e746c3f7eb0b3d7" contextRef="c20221205to20221205" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 34.01%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:EntityFileNumber" id="Fact_a4e91176a132476da1aa4c40f6ecc0b6" contextRef="c20221205to20221205">000-14703</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 33%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_65667fcc6b6f4bdf86ad537eec53df0c" contextRef="c20221205to20221205">16-1268674</ix:nonNumeric><br />
            </div>
          </td>

  </tr>

  <tr>

    <td style="width: 33%; vertical-align: top;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(State or Other Jurisdiction</span><span style="font-size: 10pt; font-family: 'Times New Roman';">&#160;<span style="font-weight: bold;">of Incorporation)</span></span></div>
          </td>

    <td style="width: 34.01%; vertical-align: top;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(Commission</span><span style="font-size: 10pt; font-family: 'Times New Roman';">&#160;<span style="font-weight: bold;">File Number)</span></span></div>
          </td>

    <td style="width: 33%; vertical-align: top;">
            <div style="text-align: center; color: #000000; font-family: 'Times New Roman'; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">(IRS Employer</span><span style="font-size: 10pt; font-family: 'Times New Roman';">&#160;<span style="font-weight: bold;">Identification No.)</span></span></div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="vertical-align: top; width: 49%;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_f7aa531df38543c3b9c6f54ad73086b5" contextRef="c20221205to20221205">52 South Broad Street</ix:nonNumeric><br />
            </div>
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_eb891cbe5fd9405a9c586e4c04567183" contextRef="c20221205to20221205">Norwich</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_4801b47f603c4895a23149bb0706caa6" contextRef="c20221205to20221205" format="ixt-sec:stateprovnameen">New York</ix:nonNumeric></div>
          </td>

    <td colspan="1" style="width: 2%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="width: 49%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_a216be2305764f83ae3b5599da5bba63" contextRef="c20221205to20221205">13815</ix:nonNumeric><br />
            </div>
          </td>

  </tr>

  <tr>

    <td style="vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; width: 49%;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Address of principal executive offices)</div>
          </td>

    <td colspan="1" style="width: 2%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="width: 49%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Zip code)</div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Registrant&#8217;s Telephone Number, Including Area Code: (<ix:nonNumeric name="dei:CityAreaCode" id="Fact_787b7a913b4e4503b0d9e9895d40d954" contextRef="c20221205to20221205">607</ix:nonNumeric>)
      <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_6b81ecfd7b1b4b1d86bb73582d79160e" contextRef="c20221205to20221205">337-2265</ix:nonNumeric></div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Not Applicable</div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Former Name or Former Address, if Changed Since Last Report)</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions
      (see General Instructions A.2. below):</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 17.5pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:WrittenCommunications" id="Fact_728899ab463d489cbd2bf88fd7d7bb7f" contextRef="c20221205to20221205" format="ixt-sec:boolballotbox">&#x2612;</ix:nonNumeric><br />
          </td>

    <td style="width: auto; vertical-align: bottom; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0);">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 17.5pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_e9de46b2a305463dba85c686610948a1" contextRef="c20221205to20221205" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
          </td>

    <td style="width: auto; vertical-align: bottom; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0);">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 17.5pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_756ff88390874db499524722079713c8" contextRef="c20221205to20221205" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
          </td>

    <td style="width: auto; vertical-align: bottom; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0);">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 17.5pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_29848d091ce24c738e2cf0ccf25d111b" contextRef="c20221205to20221205" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
          </td>

    <td style="width: auto; vertical-align: bottom; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0);">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Securities registered pursuant to Section 12(b) of the Act:</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 33.31%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Title of each class</span></div>
          </td>

    <td style="width: 34%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Trading symbol</span></div>
          </td>

    <td style="width: 33.34%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Name of each exchange on which registered</span></div>
          </td>

  </tr>

  <tr>

    <td style="width: 33.31%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_1587fd86143f44f4ad9a0cd8a45711b2" contextRef="c20221205to20221205">Common Stock, Par Value $0.01 Per Share</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 34%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_fb9e646cbaca409cbdabb3a838176709" contextRef="c20221205to20221205">NBTB</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 33.34%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_5367267c679d4dceacf50610515d8ea2" contextRef="c20221205to20221205" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br />
            </div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or
      Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_79331879d5a044b9aa4a0e09e22dfab2" contextRef="c20221205to20221205" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised
      financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. &#9744;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <div><br /></div>

      <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /></div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 49.5pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 1.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="font-weight: bold;">Entry into a Material Definitive Agreement.</div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">On December 5, 2022, NBT Bancorp Inc. (the &#8220;Company&#8221;) entered into an Agreement and Plan of Merger (the &#8220;Merger Agreement&#8221;) with Salisbury Bancorp, Inc. (&#8220;Salisbury&#8221;),
      Salisbury Bank and Trust Company (&#8220;Salisbury Bank&#8221;), Salisbury&#8217;s subsidiary bank, and NBT Bank, N.A. (&#8220;NBT Bank&#8221;), the Company&#8217;s subsidiary bank, pursuant to which the Company will acquire Salisbury.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Subject to the terms and conditions of the Merger Agreement, which has been approved by the boards of directors of each party, Salisbury will merge with and into the
      Company, with the Company as the surviving entity, and immediately thereafter, Salisbury Bank will merge with and into NBT Bank, with NBT Bank as the surviving bank (the &#8220;Merger&#8221;).</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Under the terms of the Merger Agreement, each outstanding share of Salisbury common stock will be converted into the right to receive 0.7450 shares of the Company&#8217;s common
      stock.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The Merger is subject to customary closing conditions, including the receipt of regulatory approvals and approval by the shareholders of Salisbury, and is expected to close
      in the second quarter of 2023. Following the Merger, Richard J. Cantele, currently the President and Chief Executive Officer of Salisbury, will be employed as an officer of NBT. Effective at the closing of the transaction, one member of the current
      board of directors of Salisbury will be appointed to the board of directors of the Company and the board of directors of NBT Bank, to serve until the next annual meeting of the Company at which time the director will be nominated for re-election.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Concurrently with entering into the Merger Agreement, the Company entered into Voting Agreements with each of the directors and certain of the executive officers of
      Salisbury, pursuant to which such shareholders agreed to vote their shares of Salisbury in favor of the Merger.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If the Merger is not consummated under specified circumstances, Salisbury may be required to pay the Company a termination fee of $8 million.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The Merger Agreement also contains customary representations and warranties that the Company and Salisbury made to each other as of specific dates. The assertions embodied
      in those representations and warranties were made solely for purposes of the contract between the Company and Salisbury, and may be subject to important qualifications and limitations agreed to by the parties in connection with negotiating its terms.
      Moreover, the representations and warranties are subject to a contractual standard of materiality that may be different from what may be viewed as material to shareholders, and the representations and warranties may have been used to allocate risk
      between the Company and Salisbury rather than establishing matters as facts.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">The foregoing is not a complete description of the Merger Agreement and is qualified in its entirety by reference to the full text of the Merger Agreement, which is filed
      as Exhibit 2.1 hereto and is incorporated herein by reference. For additional information, reference is made to the joint press release dated December 5, 2022, which is included as Exhibit 99.1 and is incorporated herein by reference.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Important Additional Information and Where to Find It</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">In connection with the proposed transaction, the Company expects to file with the </span><span style="font-size: 10pt; font-family: 'Times New Roman';">Securities and Exchange Commission (&#8220;SEC&#8221;) <span style="color: rgb(0, 0, 0);">a registration statement on Form S-4 that will include a proxy statement of Salisbury that also constitutes a
          prospectus of the Company (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus will be mailed or otherwise disseminated to Salisbury&#8217;s shareholders when it becomes available. The Company and Salisbury also plan to file other
          relevant documents with the SEC regarding the proposed transaction. </span><span style="font-weight: bold; color: rgb(0, 0, 0);">INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY
          STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION STATEMENT ON FORM S-4, AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE
          THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE COMPANY, SALISBURY AND THE PROPOSED TRANSACTION.</span><span style="color: rgb(0, 0, 0);"> You may obtain a free copy of the registration statement, including the proxy statement/prospectus (when
          it becomes available) and other relevant documents filed by the Company and Salisbury with the SEC, without charge, at the SEC&#8217;s website at www.sec.gov. Copies of the documents filed by the Company with the SEC will be available free of charge on
          the Company&#8217;s website at www.nbtbancorp.com or by directing a request to NBT Bancorp Inc., 52 South Broad Street, Norwich, NY 13815, attention: Corporate Secretary, telephone (607) 337-6141. Copies of the documents filed by Salisbury with the SEC
          will be available free of charge on Salisbury&#8217;s website at www.salisburybank.com or by directing a request to Salisbury Bancorp, Inc., 5 Bissell Street, P.O. Box 1868, Lakeville, CT 06039-1868, attention: Corporate Secretary, telephone (860)
          453-3432</span>.</span></div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';"> <br />
      </span></div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">No Offer</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This communication does not constitute an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made except by means of a
      prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Participants in Solicitation</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">The Company and Salisbury and their respective directors and executive officers and other
        members of management and employees may be deemed to be participants in the solicitation of proxies in respect of the proposed transaction. You can find information about the Company&#8217;s executive officers and directors in the Company&#8217;s definitive
        proxy statement filed with the SEC on April 7, 2022. You can find information about Salisbury&#8217;s executive officers and directors in Salisbury&#8217;s definitive proxy statement filed with the SEC on April 8, 2022. Additional information regarding the
        interests of such potential participants will be included in the proxy statement/prospectus and other relevant documents filed with the SEC when they become available. You may obtain free copies of these documents from the Company or Salisbury
        using the sources indicated above</span><span style="font-size: 10pt; font-family: 'Times New Roman';">.</span></div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Forward Looking Statements</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This report contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about the Company and
      Salisbury and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding the Company&#8217;s or Salisbury&#8217;s future financial condition, results of operations,
      business plans, liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to the Company or Salisbury, are forward-looking statements. Words such as &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;expects,&#8221; &#8220;forecasts,&#8221;
      &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;projects,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should&#8221; and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from
      anticipated results.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the
      following: (1) the businesses of the Company and Salisbury may not be combined successfully, or such combination may take longer to accomplish than expected; (2) the cost savings from the merger may not be fully realized or may take longer to realize
      than expected; (3) operating costs, customer loss and business disruption following the merger, including adverse effects on relationships with employees, may be greater than expected; (4) governmental approvals of the merger may not be obtained, or
      adverse regulatory conditions may be imposed in connection with governmental approvals of the merger; (5) the shareholders of Salisbury may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete than
      anticipated, including as a result of unexpected factors or events; (7) diversion of management&#8217;s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and
      operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate Salisbury&#8217;s operations and those of the Company; (9) such integration may be more difficult, time consuming or costly than expected; (10)
      revenues following the proposed transaction may be lower than expected; (11) the Company&#8217;s and Salisbury&#8217;s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; (12) the dilution caused
      by the Company&#8217;s issuance of additional shares of its capital stock in connection with the proposed transaction; (13) changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of
      the federal government; (14) legislative and regulatory changes; and (15) uncertainty as to the extent of the duration, scope, and impacts of the COVID-19 pandemic on the Company, Salisbury and the proposed transaction. Further information about
      these and other relevant risks and uncertainties may be found in the Company&#8217;s and Salisbury&#8217;s respective Annual Reports on Form 10-K for the fiscal year ended December 31, 2021 and in subsequent filings with the SEC.</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Forward-looking statements speak only as of the date they are made. The Company and Salisbury do not undertake, and specifically disclaim any obligation, to publicly
      release the result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance
      on these forward-looking statements.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 49.5pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 8.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="font-weight: bold;">Other Events.</div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';">&#160;</div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">On December 5, 2022, the Company and Salisbury issued a joint press release to announce the signing of the Merger Agreement, a copy of which is filed as Exhibit 99.1 hereto
      and incorporated herein by reference.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 49.5pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Item 9.01.</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0); font-weight: bold;">Financial Statements and Exhibits</div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 18pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">(d)</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Exhibits</span></div>
          </td>

  </tr>


</table>
    <div> <br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 9%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit</div>
            <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Number</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman'; padding-bottom: 2px;">&#160;</td>

    <td style="width: 90%; vertical-align: bottom; font-size: 10pt; font-family: 'Times New Roman'; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Description</div>
          </td>

  </tr>

  <tr>

    <td style="width: 9%; vertical-align: middle; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: middle; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="width: 90%; vertical-align: middle; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

  </tr>

  <tr>

    <td style="width: 9%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div style="text-align: left; color: rgb(0, 0, 0);"><a href="brhc10045075_ex2-1.htm">2.1*</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);">
            <div style="text-align: left;">Agreement and Plan of Merger, dated December 5, 2022, by and among NBT Bancorp Inc., NBT Bank, N.A., Salisbury Bancorp, Inc. and Salisbury Bank and Trust Company.</div>
          </td>

  </tr>

  <tr>

    <td style="width: 9%; vertical-align: middle; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: middle; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="width: 90%; vertical-align: middle; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

  </tr>

  <tr>

    <td style="width: 9%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div style="text-align: left; color: rgb(0, 0, 0);"><a href="brhc10045075_ex99-1.htm">99.1</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);">
            <div style="text-align: left;">Joint Press Release of NBT Bancorp Inc. and Salisbury Bancorp, Inc., dated December 5, 2022.</div>
          </td>

  </tr>

  <tr>

    <td style="width: 9%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; white-space: nowrap;" rowspan="1">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';" rowspan="1">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';" rowspan="1">&#160;</td>

  </tr>

  <tr>

    <td style="width: 9%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255); white-space: nowrap;" rowspan="1">104<br />
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>

    <td style="width: 90%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; background-color: rgb(204, 238, 255);" rowspan="1">
            <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Cover Page Interactive Data File (embedded within the Inline XBRL document)</div>
          </td>

  </tr>


</table>
    <div style="text-align: left; font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <div style="text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
      <hr style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto 0px 0px; height: 2px; width: 10%; color: #000000; text-align: left; margin-left: 0px; margin-right: auto;" /></div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 8.5pt; vertical-align: top; text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">*</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-size: 10pt; font-family: 'Times New Roman';">
            <div style="color: rgb(0, 0, 0);">NBT Bancorp Inc. has omitted certain schedules and exhibits pursuant to Item 601(a)(5) of Regulation S-K and shall furnish supplementally to the SEC copies of any of the omitted schedules and exhibits upon
              request by the SEC.</div>
          </td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly
      authorized.</div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td rowspan="1" style="width: 50%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td colspan="2" rowspan="1" style="vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">NBT BANCORP INC.</td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 50%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">December 5, 2022</td>

    <td rowspan="1" style="width: 3%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td rowspan="1" style="width: 47%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 50%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; padding-bottom: 2px;">&#160;</td>

    <td rowspan="1" style="width: 3%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman'; padding-bottom: 2px;">By:</td>

    <td rowspan="1" style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Scott A. Kingsley</td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="width: 3%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="width: 47%; vertical-align: top;">
            <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
          </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 50%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td rowspan="1" style="width: 3%; vertical-align: top; font-size: 10pt; font-family: 'Times New Roman';">&#160;</td>

    <td rowspan="1" style="width: 47%; vertical-align: top;">Executive Vice President and Chief Financial Officer</td>

  </tr>


</table>
    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

    <div style="font-size: 10pt; font-family: 'Times New Roman';"><br />
    </div>

  </div>

  <div>
    <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /> </div>

</body>
</html>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>brhc10045075_ex2-1.htm
<DESCRIPTION>EXHIBIT 2.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc
         Document created using Broadridge PROfile 22.10.2.5096
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <font style="font-size: 10pt;"> </font>
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div>
        <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Hlk113563556"></a>Exhibit 2.1</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">AGREEMENT AND PLAN OF MERGER</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">DATED AS OF DECEMBER 5, 2022</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">BY AND AMONG</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP INC.,</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANK, N.A.,</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SALISBURY BANCORP, INC.</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">AND</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SALISBURY BANK AND TRUST COMPANY</div>
        <div style="text-align: left; font-size: 10pt;"><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%LCR%1%%%-->
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TABLE OF CONTENTS</div>
        <div style="font-size: 10pt;">&#160;</div>
        <table cellspacing="0" cellpadding="0" border="0" id="z94c095c0ef9246b2896bd0291945eb90" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="vertical-align: top; font-size: 10pt; text-align: left;" rowspan="1" colspan="2">&#160;&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: right;" rowspan="1"><font style="font-weight: bold;">Page</font></td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; text-align: left;" rowspan="1" colspan="2">&#160;&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; text-align: left;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE I THE MERGER</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">1</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Terms of the Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">1<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Tax Consequences</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Name of the Surviving Corporation and the Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Charter and Bylaws of the Surviving Corporation and the Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.05</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Directors and Officers of the Surviving Corporation and the Surviving Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">2</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.06</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Effect of the Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.07</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Effective Date and Effective Time; Closing</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.08</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Alternative Structure</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">3</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.09</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Additional Actions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">4<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 1.10</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Absence of Control</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">4</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE II CONSIDERATION; EXCHANGE PROCEDURES</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">4</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Merger Consideration</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">4</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Rights as Shareholders; Stock Transfers</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">4</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Exchange Procedures</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">5</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Anti-Dilution Provisions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.05</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Reservation of Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.06</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Listing of Additional Shares</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 2.07</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Treatment of Equity Awards</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">7</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt;" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE III REPRESENTATIONS AND WARRANTIES OF SALISBURY AND SALISBURY BANK</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">8</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Making of Representations and Warranties</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">9<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of Salisbury</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of Salisbury Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Salisbury and Salisbury Bank Capital Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">9</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.05</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Subsidiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">10</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.06</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Corporate Power; Minute Books</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">10</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.07</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Execution and Delivery</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.08</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals; No Defaults</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">11</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.09</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Financial Statements; SEC Documents</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">12</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.10</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Absence of Certain Changes or Events</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.11</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">13</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.12</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Legal Proceedings; Regulatory Action</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">14</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.13</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Compliance with Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">15</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.14</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Material Contracts; Defaults</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.15</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Brokers</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.16</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Employee Benefit Plans</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">16</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.17</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Labor Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">18</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.18</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Environmental Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">19</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.19</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Tax Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">20<br>
                </div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.20</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Investment Securities</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">21</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.21</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Derivative Transactions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">22</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.22</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Loans; Nonperforming and Classified Assets</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">22</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.23</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Tangible Properties and Assets</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.24</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Intellectual Property</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">23</div>
              </td>
            </tr>

        </table>
        <div style="font-size: 10pt;"><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">i</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z3515339ac4d143d3b5230021d5c6d478" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.25</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Fiduciary Accounts</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">23</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.26</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Insurance</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.27</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Antitakeover Provisions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.28</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Fairness Opinion</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.29</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Proxy Statement/Prospectus</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.30</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">CRA, Anti-money Laundering and Customer Information Security</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">24</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.31</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Transactions with Affiliates</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 3.32</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Disclosure</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt;" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE IV REPRESENTATIONS AND WARRANTIES OF NBT AND NBT BANK</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Making of Representations and Warranties</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of NBT</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">25</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Organization, Standing and Authority of NBT Bank</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">NBT Capital Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.05</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Subsidiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.06</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Corporate Power; Minute Books</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.07</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Execution and Delivery</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">26</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.08</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals; No Defaults</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.09</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Absence of Certain Changes or Events</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">27</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.10</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">SEC Documents; Financial Statements; and Financial Controls and Procedures</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.11</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">28</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.12</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Legal Proceedings</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">29</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.13</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Compliance With Laws</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.14</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Brokers</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.15</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Employee Benefit Plans.</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">30</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.16</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Labor Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.17</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Tax Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">31</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.18</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Loans; Nonperforming Assets.</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.19</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Deposit Insurance</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.20</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">NBT Stock</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.21</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Antitakeover Provisions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.22</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Proxy Statement/Prospectus</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">32</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.23</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Disclosure</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.24</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Investment Securities</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 4.25</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">CRA, Anti-money Laundering and Customer Information Security</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE V COVENANTS</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Covenants of Salisbury</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">33</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Covenants of NBT</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">37</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Reasonable Best Efforts</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">38</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Shareholder Approval</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">38</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.05</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Merger Registration Statement; Proxy Statement/Prospectus</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">38</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.06</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Cooperation and Information Sharing</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">39</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.07</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Supplements or Amendment</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">39</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.08</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Regulatory Approvals</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">39</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.09</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Press Releases</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">39</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.10</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Access; Information</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">40</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.11</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">No Solicitation by Salisbury</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">41</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.12</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Certain Policies</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">43</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.13</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Indemnification</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">43</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.14</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Employees; Benefit Plans</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">45</div>
              </td>
            </tr>

        </table>
        <div style="font-size: 10pt;"><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">ii</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zaef6d7cf6d044a52bf5443d1320191cd" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.15</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Notification of Certain Changes</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">47</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.16</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Current Information</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">47</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.17</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Board Packages</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">47</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.18</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Transition; Informational Systems Conversion</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.19</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Assumption of Debt</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.20</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Section 16 Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.21</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">NBT Bank Advisory Boards</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 5.22</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Community Matters</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt;" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE VI CONDITIONS TO CONSUMMATION OF THE MERGER</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 6.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Conditions to Obligations of the Parties to Effect the Merger</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">48</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 6.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Conditions to Obligations of NBT</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">49</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 6.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Conditions to Obligations of Salisbury</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">50</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 6.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Frustration of Closing Conditions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">50</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;" rowspan="1" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE VII TERMINATION</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">50</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 7.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Termination</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">50</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 7.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Termination Fee</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">53</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 7.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Effect of Termination and Abandonment</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">53</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE VIII MISCELLANEOUS</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">53</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Survival</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">53</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.02</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Waiver; Amendment</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">54</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.03</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Counterparts</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">54</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.04</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Governing Law and Venue</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">54</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.05</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Expenses</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">54</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.06</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Notices</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">54</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.07</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Entire Understanding; No Third-Party Beneficiaries</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">55</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.08</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Severability</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">55</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.09</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Enforcement of the Agreement</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">55</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.10</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Interpretation</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">55</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.11</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Assignment</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">56</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.12</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Waiver of Jury Trial</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">56</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 8.13</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Electronic Transmission</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">56</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);" rowspan="1">&#160;</td>
            </tr>
            <tr>
              <td style="vertical-align: top; font-size: 10pt;" colspan="2">
                <div style="text-align: left; font-family: 'Times New Roman';">ARTICLE IX ADDITIONAL DEFINITIONS</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: right; font-family: 'Times New Roman';">56</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Section 9.01</div>
              </td>
              <td style="width: 80%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Additional Definitions</div>
              </td>
              <td style="width: 5%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: right; font-family: 'Times New Roman';">56</div>
              </td>
            </tr>

        </table>
        <div style="font-size: 10pt;"><br>
        </div>
        <table cellspacing="0" cellpadding="0" border="0" id="z1019f4a3eda14a24bcd1dd4573a9162e" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">EXHIBITS</div>
              </td>
              <td style="width: 85%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">&#160;</td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Exhibit A</div>
              </td>
              <td style="width: 85%; vertical-align: top; font-size: 10pt;">
                <div style="text-align: left; font-family: 'Times New Roman';">Form of Voting Agreement</div>
              </td>
            </tr>
            <tr>
              <td style="width: 15%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; margin-left: 9pt;">Exhibit B</div>
              </td>
              <td style="width: 85%; vertical-align: top; font-size: 10pt; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman';">Plan of Bank Merger</div>
              </td>
            </tr>

        </table>
        <div style="font-size: 10pt;"><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">iii</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">TABLE OF DEFINITIONS</div>
        <div style="font-size: 10pt;">&#160;</div>
        <div style="float: left; width: 48%;" class="BRPFTCL">
          <div>
            <table cellspacing="0" cellpadding="0" border="0" id="z469328ebaefa43dfafe8af3ec7541188" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

                <tr>
                  <td style="width: 90%; vertical-align: top;"><br>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Page</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
                  <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Acquisition Proposal</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Acquisition Transaction</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Affiliate</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Agreement</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Bank Merger</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Bank Regulator</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">BCL</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">BOLI</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">24</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Business Day</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Closing</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Closing Date</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Code</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Community Reinvestment Act</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">13</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Confidentiality Agreement</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">40</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">CTDOB</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT 401(k) Plan</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Board</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Disclosure Schedule</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Measurement Price</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">7</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Pension Plan</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">31</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Stock</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Derivative Transaction</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Effective Date</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Effective Time</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">3</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Environmental Law</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">57</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">ERISA</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Exchange Act</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FDIC</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FHLBB</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FHLBNY</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Finance Laws</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">15</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">FRB</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">GAAP</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Governmental Authority</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Hazardous Substance</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury 401(k) Plan</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Bank</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Bank Board</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Bank Severance Plan</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Bank Stock</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">9<br>
                    </div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Benefit Plans</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Board</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Disclosure Schedule</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Employees</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Financial Statements</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">12</div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="float: right; width: 48%;" class="BRPFTCR">
          <div>
            <table cellspacing="0" cellpadding="0" border="0" id="zed7b6311dd724868a25cefacd2c01940" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">

                <tr>
                  <td style="width: 90%; vertical-align: top; text-align: left;">&#160;</td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Page</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; text-align: left;" rowspan="1">&#160;</td>
                  <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Intellectual Property</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Meeting</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">38</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury NQDC Plan</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">45</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Pension Plan</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">17</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Recommendation</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">38</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Representatives</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">41</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Stock</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">9</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Subsequent Determination</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">42</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indemnified Parties</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">43</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Indemnifying Party</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">43</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Informational Systems Conversion</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">48</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Insurance Policies</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">24</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Intellectual Property</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">IRS</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Knowledge</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Leases</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">23</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Lien</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">58</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Loans</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">22</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Material Adverse Effect</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Material Contract</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">16</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Merger</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Merger Registration Statement</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">38</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NASDAQ</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">59</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Notice of Superior Proposal</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">42</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Notice Period</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">42</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">OREO</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">22</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Per Share Consideration</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Person</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Premium Limit</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">44</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proceeding</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">43</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Proxy Statement/Prospectus</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Approvals</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">27</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Regulatory Order</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">14</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Rights</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">60</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Securities Act</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Software</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Subsidiary</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Superior Proposal</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Surviving Bank</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Surviving Corporation</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax Returns</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Taxes</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">61</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Transactions</div>
                  </td>
                  <td style="width: 10%; vertical-align: top;">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Voting Agreement</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">1</div>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top;">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">WARN ACT</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; text-align: right;">61 <br>
                  </td>
                </tr>
                <tr>
                  <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Willful Breach</div>
                  </td>
                  <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
                    <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt;">62</div>
                  </td>
                </tr>

            </table>
          </div>
        </div>
        <div style="clear: both;"><br>
        </div>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">iv</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <!--PROfilePageNumberReset%Num%1%%%-->
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk108695995"></a></div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk108695995"></a><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">This AGREEMENT AND PLAN OF MERGER</font>
        (this &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Agreement</u></font>&#8221;) is dated as of December 5, 2022, by and among NBT Bancorp Inc., a Delaware corporation (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT</u></font>&#8221;),




        NBT Bank, N.A., a federally-chartered national banking association and wholly-owned subsidiary of NBT (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Bank</u></font>&#8221;), Salisbury Bancorp, Inc., a Connecticut corporation (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury</u></font>&#8221;), and Salisbury Bank and Trust Company, a Connecticut-chartered bank and wholly-owned subsidiary of Salisbury (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Bank</u></font>&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>WITNESSETH</u></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, the Board of Directors of NBT and the Board of
        Directors of Salisbury have each <a name="DocXTextRef1"></a>(i) determined that this Agreement and the business combination and related transactions contemplated hereby are in the best interests of their respective entities and shareholders; (ii)
        determined that this Agreement and the transactions contemplated hereby are consistent with and in furtherance of their respective business strategies; and (iii) approved and declared advisable this Agreement and the transactions contemplated
        hereby;</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, in accordance with the terms of this Agreement,
        Salisbury will merge with and into NBT, with NBT surviving (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger</u></font>&#8221;), and immediately thereafter, Salisbury Bank will merge with and into NBT Bank, with NBT Bank
        surviving (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Bank Merger</u></font>&#8221; and, together with the Merger, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Transactions</u></font>&#8221;);</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, as a material inducement to NBT to enter into this
        Agreement, each of the directors and certain executive officers of Salisbury set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 6.02(c)</u></font> has entered into a voting agreement with
        NBT dated as of the date hereof (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Voting Agreement</u></font>&#8221;), substantially in the form attached hereto as <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit




            A</u></font> pursuant to which each such director or executive officer has agreed, among other things, to vote all shares of Salisbury Stock (as defined herein) owned by such person in favor of the approval of this Agreement and the
        transactions contemplated hereby, upon the terms and subject to the conditions set forth in such agreement;</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, for United States federal income tax purposes, the
        parties intend the Merger to qualify as a reorganization within the meaning of <a name="DocXTextRef4"></a>Section 368(a) of the Internal Revenue Code of 1986, as amended and the regulations and formal guidance issued thereunder (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Code</u></font>&#8221;), and that this Agreement be and hereby is adopted as a &#8220;plan of reorganization&#8221; within the meaning of <a name="DocXTextRef3"></a>Sections 354, <a name="DocXTextRef2"></a>361




        and <a name="DocXTextRef5"></a>368 of the Code; and</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">WHEREAS</font>, the parties desire to make certain representations,
        warranties and agreements in connection with the transactions described in this Agreement and to prescribe certain conditions thereto.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">NOW, THEREFORE,</font> in consideration of the mutual promises herein
        contained and for other good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, the parties hereto agree as follows:</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE I</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530085340"></a><a name="z_Toc24547051"></a><a name="z_Toc256000000"></a><a name="z_Toc118731528"></a><a name="z_Toc120550086"></a>THE
        MERGER</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547052"></a><a name="z_Toc256000001"></a><a name="z_Ref25628897"></a><a name="z_Toc118731529"></a><a name="z_Toc120550087"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Terms of the Merger</u></font>.&#160; Subject to the terms and conditions of this Agreement, at the
        Effective Time, Salisbury shall merge with and into NBT, and NBT shall be the surviving entity (hereinafter sometimes referred to as the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Surviving Corporation</u></font>&#8221;).&#160;
        Immediately thereafter, pursuant to the Plan of Bank Merger described in the following sentence, Salisbury Bank shall merge with and into NBT Bank, and NBT Bank shall be the surviving entity (hereinafter sometimes referred to as the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Surviving Bank</u></font>&#8221;) and shall continue to be governed by the laws of the United States. As soon as practicable after the execution of this Agreement, NBT will cause NBT Bank to,
        and Salisbury will cause Salisbury Bank to, execute and deliver a Plan of Bank Merger substantially in the form attached to this Agreement as <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exhibit B</u></font>. As part of the
        Merger, shares of Salisbury Stock shall, at the Effective Time, be converted into the right to receive the Merger Consideration pursuant to the terms of <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">1</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547053"></a><a name="z_Toc256000002"></a><a name="z_Ref25628898"></a><a name="z_Toc118731530"></a><a name="z_Toc120550088"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Tax Consequences</u></font>. It is intended that the Merger shall constitute a reorganization
        within the meaning of <a name="DocXTextRef9"></a>Section 368(a) of the Code, and that this Agreement shall constitute a &#8220;plan of reorganization&#8221; as that term is used in <a name="DocXTextRef8"></a>Sections 354, <a name="DocXTextRef7"></a>361 and
        <a name="DocXTextRef12"></a>368 of the Code. From and after the date of this Agreement and until the Closing, each party hereto shall use its reasonable best efforts to cause the Merger to qualify, and will not knowingly take any action, cause any
        action to be taken, fail to take any action or cause any action to fail to be taken, which action or failure to act would reasonably be expected to prevent the Merger from qualifying as a reorganization under <a name="DocXTextRef10"></a>Section
        368(a) of the Code. NBT and Salisbury each hereby agree to deliver a certificate substantially in compliance with IRS-published advance ruling guidelines, with customary exceptions and modifications thereto, to enable its counsel to deliver the
        legal opinions contemplated by <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(e)</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547054"></a><a name="z_Toc256000003"></a><a name="z_Ref25628899"></a><a name="z_Toc118731531"></a><a name="z_Toc120550089"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Name of the Surviving Corporation and the Surviving Bank</u></font>. The name of the Surviving
        Corporation shall be &#8220;NBT Bancorp Inc.&#8221; The name of the Surviving Bank shall be &#8220;NBT, Bank N.A.&#8221;</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547055"></a><a name="z_Toc256000004"></a><a name="z_Ref25628900"></a><a name="z_Toc118731532"></a><a name="z_Toc120550090"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Charter and Bylaws of the Surviving Corporation and the Surviving Bank</u></font>. The charter
        and bylaws of the Surviving Corporation upon consummation of the Merger shall be the charter and bylaws of NBT as in effect immediately prior to consummation of the Merger. The charter and bylaws of the Surviving Bank upon consummation of the Bank
        Merger shall be the charter and bylaws of NBT Bank as in effect immediately prior to consummation of the Bank Merger.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547056"></a><a name="z_Toc256000005"></a><a name="z_Ref25628901"></a><a name="z_Toc118731533"></a><a name="z_Toc120550091"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Directors and Officers of the Surviving Corporation and the Surviving Bank</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628902"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, the
          board of directors of the Surviving Corporation immediately prior to the Effective Time shall continue to be the directors of the Surviving Corporation, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font> that,
          at the Effective Time, the number of persons constituting the board of directors of the Surviving Corporation shall be increased by one (1) director, to be selected by NBT upon consultation with Salisbury, who is a member of the board of
          directors of Salisbury immediately prior to the Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>New Corporation Board Member</u></font>&#8221;) and the New Corporation Board Member shall be appointed to the board
          of directors of the Surviving Corporation for a term<a name="z_Hlk57106477"></a> to expire at the next annual meeting of the stockholders of NBT, subject to NBT&#8217;s customary background screening and evaluation procedures for potential directors.
          NBT shall nominate and recommend to NBT&#8217;s stockholders the New Corporation Board Member for election for a one-year term at NBT&#8217;s first annual stockholder meeting following the Effective Time. Each of the directors of the Surviving Corporation
          immediately after the Effective Time shall hold office until his or her successor is elected and qualified or otherwise in accordance with the charter and bylaws of the Surviving Corporation.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Hlk57107751"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, the
          board of directors of the Surviving Bank immediately prior to the Effective Time shall continue to be the directors of the Surviving Bank, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font> that at the
          Effective Time, the number of persons constituting the board of directors of the Surviving Bank shall be increased by <a name="DocXTextRef13"></a>one (1) director to be selected by NBT upon consultation with Salisbury who is a member of the
          board of directors of Salisbury Bank immediately prior to the Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>New Bank Board Member</u></font>&#8221;), and the New Bank Board Member shall be appointed to the board
          of directors of the Surviving Bank for a term to expire at the next annual meeting of the shareholders of the Surviving Bank, subject to the Surviving Bank&#8217;s customary background screening and evaluation procedures for potential directors. NBT
          shall appoint the New Bank Board Member for a one-year term at the Surviving Bank&#8217;s first annual shareholder meeting following the Effective Time. Each of the directors of the Surviving Bank immediately after the Effective Time shall hold office
          until his or her successor is elected and qualified or otherwise in accordance with the charter and bylaws of the Surviving Bank.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Hlk57108601"></a><a name="z_Ref25628903"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, the officers of the Surviving Corporation and the Surviving Bank shall consist of the officers of the Surviving Corporation and the Surviving Bank, respectively, in office immediately prior to the Effective Time
          with the addition of Richard J. Cantele, Jr. as a member of the executive management team and an officer of the Surviving Corporation and the Surviving Bank, with such titles to be determined by NBT prior to the Closing.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc24547057"></a><a name="z_Toc256000006"></a><a name="z_Ref25628904"></a><a name="z_Toc118731534"></a><a name="z_Toc120550092"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Effect of the Merger</u></font>.&#160; At the Effective Time, the effect of the Merger shall be as
        provided under applicable provisions of the Delaware General Corporation Law (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>DGCL</u></font>&#8221;) and the Connecticut Business Corporation Act (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CBCA</u></font>&#8221;) and the regulations respectively promulgated thereunder.&#160; Without limiting the generality of the foregoing, and subject thereto, at the Effective Time, the separate corporate existence of
        Salisbury shall cease and all of the rights, privileges, powers, franchises, properties, assets, debts, liabilities, obligations, restrictions, disabilities and duties of Salisbury shall be vested in and assumed by NBT.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 36pt;"><a name="z_Toc24547058"></a><a name="z_Toc256000007"></a><a name="z_Ref25628905"></a><a name="z_Toc118731535"></a><a name="z_Toc120550093"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Effective Date and Effective Time; Closing</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628906"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to the terms and
          conditions of this Agreement, NBT will make all such filings as may be required by applicable laws and regulations to consummate the Merger.&#160; On the Closing Date, which shall take place not more than three (3) Business Days following the receipt
          of all necessary regulatory, governmental and shareholder approvals and consents and the expiration of all statutory waiting periods in respect thereof and the satisfaction or waiver of all of the conditions to the consummation of the Merger
          specified in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VI</u></font> of this Agreement (other than the delivery of certificates and other instruments and documents to be delivered at the Closing),
          or on such other date as the parties shall mutually agree to, NBT and Salisbury shall file articles of merger with (i) the Delaware Department of State in accordance with the DGCL and (ii) the Secretary of State of the State of Connecticut in
          accordance with the CBCA.&#160; The date of such filings is herein called the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Effective Date</u></font>,&#8221; and the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Effective




              Time</u></font>&#8221; of the Merger shall be as specified in such filing.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628907"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The closing (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Closing</u></font>&#8221;) shall take place remotely via the electronic exchange of documents and signatures immediately prior to the Effective Time at 10:00 a.m., Eastern time, or in person
          at the principal offices of Hogan Lovells US LLP in Washington, D.C., or such other place, at such other time, or on such other date as the parties may mutually agree upon (such date, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Closing Date</u></font>&#8221;).&#160; At the Closing, there shall be delivered to NBT and Salisbury the certificates and other documents required to be delivered under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VI</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547059"></a><a name="z_Toc256000008"></a><a name="z_Ref25628908"></a><a name="z_Toc118731536"></a><a name="z_Toc120550094"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Alternative Structure</u></font>.&#160; NBT may, at any time prior to the Effective Time, change
        the method of effecting the combination of NBT and Salisbury, and NBT Bank and Salisbury Bank, respectively, (including the provisions of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article I</u></font>)
        if and to the extent it deems such change to be necessary, appropriate or desirable; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that no such change shall <a name="DocXTextRef17"></a>(a)




        alter or change the Merger Consideration; <a name="DocXTextRef18"></a>(b) adversely affect the tax treatment of Salisbury&#8217;s shareholders pursuant to this Agreement; <a name="DocXTextRef19"></a>(c) adversely affect the tax treatment of NBT or
        Salisbury pursuant to this Agreement; or <a name="DocXTextRef20"></a>(d) be reasonably likely to materially impede or delay consummation of the transactions contemplated by this Agreement.&#160; In the event NBT makes such a change, Salisbury agrees to
        execute an appropriate amendment to this Agreement in order to reflect such change.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547060"></a><a name="z_Toc256000009"></a><a name="z_Ref25628909"></a><a name="z_Toc118731537"></a><a name="z_Toc120550095"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Additional Actions</u></font>.&#160; If, at any time after the Effective Time, NBT shall consider
        or be advised that any further deeds, documents, assignments or assurances in law or any other acts are necessary or desirable to <a name="DocXTextRef21"></a>(i) vest, perfect or confirm, of record or otherwise, in NBT its right, title or interest
        in, to or under any of the rights, properties or assets of Salisbury or Salisbury Bank, or (ii) otherwise carry out the purposes of this Agreement, Salisbury, Salisbury Bank and their respective officers and directors shall be deemed to have
        granted to NBT an irrevocable power of attorney to execute and deliver, in such official corporate capacities, all such deeds, assignments or assurances in law or any other acts as are necessary or desirable to <a name="DocXTextRef22"></a>(a)
        vest, perfect or confirm, of record or otherwise, in NBT or NBT Bank its right, title or interest in, to or under any of the rights, properties or assets of Salisbury or Salisbury Bank or <a name="DocXTextRef23"></a>(b) otherwise carry out the
        purposes of this Agreement, and the officers and directors of NBT or NBT Bank are authorized in the name of Salisbury or Salisbury Bank or otherwise to take any and all such action.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547061"></a><a name="z_Toc256000010"></a><a name="z_Ref25628910"></a><a name="z_Toc118731538"></a><a name="z_Toc120550096"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 1.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Absence of Control</u></font>.&#160; It is the intent of the parties to this Agreement that NBT or
        NBT Bank by reason of this Agreement shall not be deemed (until consummation of the transactions contemplated herein) to control, directly or indirectly, Salisbury or Salisbury Bank and shall not exercise or be deemed to exercise, directly or
        indirectly, a controlling influence over the management or policies of Salisbury or Salisbury Bank.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE II</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530085236"></a><a name="z_Ref530085361"></a><a name="z_Ref530085381"></a><a name="z_Ref530085399"></a><a name="z_Ref530085427"></a><a name="z_Ref530085440"></a><a name="z_Ref530085457"></a><a name="z_Ref530085476"></a><a name="z_Ref530085506"></a><a name="z_Ref530085521"></a><a name="z_Ref530085562"></a><a name="z_Ref530085582"></a><a name="z_Ref530085611"></a><a name="z_Ref530085634"></a><a name="z_Ref530086237"></a><a name="z_Ref530086257"></a><a name="z_Toc24547062"></a><a name="z_Toc256000011"></a><a name="z_Toc118731539"></a><a name="z_Toc120550097"></a>CONSIDERATION; EXCHANGE PROCEDURES</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547063"></a><a name="z_Toc256000012"></a><a name="z_Ref25628911"></a><a name="z_Toc118731540"></a><a name="z_Toc120550098"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Merger Consideration</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to the provisions of this Agreement, at the
          Effective Time, automatically by virtue of the Merger and without any action on the part of any Person:</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><a name="z_Ref25628912"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">Each
          share of NBT Stock that is issued and outstanding immediately prior to the Effective Time shall remain issued and outstanding following the Effective Time and shall be unchanged by the Merger.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><a name="z_Ref530083051"></a><a name="z_Ref23803610"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each share of Salisbury Stock issued and outstanding immediately prior to the Effective Time (other than shares of Salisbury Stock to be cancelled pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.01(b)</u></font>) shall become and be converted into the right to receive 0.7450 (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange Ratio</u></font>&#8221;) shares of NBT Stock ( the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Consideration</u></font>&#8221;).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At the Effective Time, all shares of Salisbury Stock
          that are owned by Salisbury as treasury stock and all shares of Salisbury Stock that are owned directly or indirectly by NBT or Salisbury, including any shares of Salisbury Stock held by NBT or Salisbury or any of their respective Subsidiaries in
          respect of a debt previously contracted, other than shares that are held by NBT or Salisbury, if any, in a fiduciary capacity, shall be canceled and shall cease to exist and no Merger Consideration shall be delivered in exchange therefor. All
          shares of NBT Stock that are owned by Salisbury shall become treasury stock of NBT.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547064"></a><a name="z_Toc256000013"></a><a name="z_Ref25628913"></a><a name="z_Toc118731541"></a><a name="z_Toc120550099"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Rights as Shareholders; Stock Transfers</u></font>.&#160; All shares of Salisbury Stock, when
        converted as provided in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.01(a)(ii)</u></font>, shall no longer be outstanding and shall automatically be cancelled and retired and shall cease to exist, and each
        certificate previously evidencing such shares of Salisbury Stock (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Certificate</u></font>&#8221;, it being understood that any reference herein to &#8220;Certificate&#8221; shall be deemed to
        include reference to book-entry account statements relating to the ownership of shares of Salisbury Stock) shall thereafter represent only the right to receive for each such share of Salisbury Stock, the Merger Consideration and, if applicable, any
        cash in lieu of fractional shares of NBT Stock in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.03(f)</u></font>.&#160; At the Effective Time, holders of the Salisbury Stock shall cease to be, and shall
        have no rights as, shareholders of Salisbury other than the right to receive the Merger Consideration and cash in lieu of fractional shares of NBT Stock as provided under this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>.&#160; After the Effective Time, there shall be no transfers on the stock transfer books of Salisbury of shares of Salisbury Stock.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc331521664"></a><a name="z_Toc24547067"></a><a name="z_Toc256000016"></a><a name="z_Ref25628914"></a><a name="z_Toc118731542"></a><a name="z_Toc120550100"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Exchange Procedures</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628915"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If any portion of the
          Merger Consideration is to be paid to a Person other than the Person in whose name a Certificate surrendered pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.03(d)</u></font> is registered, it shall be a
          condition to such payment that such Certificate shall be properly endorsed or otherwise be in proper form for transfer, as applicable, and the Person requesting such payment shall inform the Exchange Agent, pursuant to an agreement entered into
          prior to Closing, whether any transfer or other similar Taxes are required as a result of such payment to a Person other than the registered holder of such Certificate, or establish to the reasonable satisfaction of the Exchange Agent that such
          Taxes are not payable. If such transfer or other similar Taxes are payable pursuant to the preceding sentence, then the Exchange Agent shall withhold and deduct from the Merger Consideration (including cash in lieu of fractional shares of NBT
          Stock) otherwise payable pursuant to this Agreement to the designated Person other than the registered holder, such amounts as the Exchange Agent determines are necessary based on the information supplied by the registered holder. The Exchange
          Agent (or, subsequent to the twelve-month anniversary of the Effective Time, NBT) shall be entitled to deduct and withhold from the Merger Consideration (including cash in lieu of fractional shares of NBT Stock) otherwise payable pursuant to this
          Agreement to any holder of Salisbury Stock such amounts as the Exchange Agent or NBT, as the case may be, is required to deduct and withhold under the Code, or any provision of state, local or foreign Tax law, with respect to the making of such
          payment. To the extent that any amounts are withheld by the Exchange Agent or NBT, as the case may be, such withheld amounts shall be treated for all purposes of this Agreement as having been paid to the holder of shares of Salisbury Stock in
          respect of whom such deduction and withholding was made by the Exchange Agent or NBT, as the case may be.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">At least one (1) business day prior to the Effective
          Time, NBT shall deposit, or shall cause to be deposited, with the Exchange Agent, for the benefit of the holders of Salisbury Stock pursuant to this Article II (i) certificates, or at NBT&#8217;s option, evidence of shares in book-entry form,
          representing the shares of NBT Stock, sufficient to pay the aggregate Stock Consideration required pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>, and (ii) an aggregate
          amount of cash sufficient to pay the estimated amount of cash to be paid in lieu of fractional shares of NBT Stock, each to be given to the holders of Salisbury Stock in exchange for Certificates pursuant to this Article II. Until the twelve (12)
          month anniversary of the Effective Time, NBT shall make available on a timely basis or cause to be made available to the Exchange Agent the following: <a name="DocXTextRef33"></a>(i) certificates, or at NBT&#8217;s option, evidence of shares in
          book-entry form, representing the shares of NBT Stock, sufficient to pay the aggregate Stock Consideration required pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>, and
          (ii) an aggregate amount of cash sufficient to pay the estimated amount of cash to be paid in lieu of fractional shares of NBT Stock, each to be given to the holders of Salisbury Stock in exchange for Certificates pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>. Upon such twelve (12) month anniversary, any such cash or certificates remaining in the possession of the Exchange Agent, together with any
          earnings in respect thereof, shall be delivered to NBT.&#160; Any holder of Certificates who has not theretofore exchanged his or her Certificates for the Merger Consideration pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font> or who has not theretofore submitted a letter of transmittal, if required, shall thereafter be entitled to look exclusively to NBT, and only as a general creditor thereof, for the Merger
          Consideration, as applicable, to which he or she may be entitled upon exchange of such Certificates pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>.&#160; If outstanding
          Certificates are not surrendered, or the payment for the Certificates is not claimed prior to the date on which such payment would otherwise escheat to or become the property of any Governmental Authority, the unclaimed items shall, to the extent
          permitted by abandoned property and any other applicable law, become the property of NBT (and to the extent not in its possession shall be delivered to it), free and clear of all Liens of any Person previously entitled to such property.&#160; Neither
          the Exchange Agent nor any of the parties hereto shall be liable to any holder of Salisbury Stock represented by any Certificate for any consideration paid to a public official pursuant to applicable abandoned property, escheat or similar laws.&#160;
          NBT and the Exchange Agent shall be entitled to rely upon the stock transfer books of Salisbury to establish the identity of those Persons entitled to receive the Merger Consideration, which books shall be conclusive with respect thereto.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Promptly after the Effective Time, NBT shall cause the
          Exchange Agent to mail or deliver to each Person who did not surrender, or who improperly surrendered, such shareholder&#8217;s Certificates to the Exchange Agent and who was, immediately prior to the Effective Time, a holder of record of Salisbury
          Stock a notice advising such holders of the effectiveness of the Merger, including a letter of transmittal in a form reasonably satisfactory to NBT and Salisbury containing instructions for use in effecting the surrender of Certificates in
          exchange for the Merger Consideration which shall specify that delivery shall be effected, and risk of loss and title to Certificates shall pass, only upon with respect to shares evidenced by Certificates, proper delivery to the Exchange Agent of
          such Certificates and the transmittal materials, duly, completely and validly executed in accordance with the instructions thereto. Upon surrender to the Exchange Agent of a Certificate for cancellation together with such letter of transmittal,
          duly executed and completed in accordance with the instructions thereto, the holder of such Certificate shall promptly be provided in exchange therefor, but in no event later than five (5) Business Days after due surrender, (x) a certificate, or
          at the election of NBT, a statement reflecting shares issued in book-entry form, representing the number of whole shares of NBT Stock that such holder is entitled pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article II</u></font>, and (y) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">a check in the amount equal to the sum of (A) the cash portion of the Merger Consideration that such holder has
            the right to receive in respect of such Certificate surrendered pursuant to this <u>Article II</u>, (B) any cash in lieu of fractional shares </font>pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section
              2.03(f)</u></font> and (C) any dividends or other distributions that such holder is entitled pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.03(e)</u></font>, and the Certificate so surrendered shall
          forthwith be canceled.&#160; No interest will accrue or be paid with respect to any property to be delivered upon surrender of Certificates.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">In the event any Certificate shall have been lost,
          stolen or destroyed, upon the making of an affidavit of that fact by the Person claiming such Certificate to be lost, stolen or destroyed and, if required by NBT or the Exchange Agent, the posting by such Person of a bond in customary amount as
          indemnity against any claim that may be made against it or the Surviving Corporation with respect to such Certificate, NBT shall cause the Exchange Agent to issue the Merger Consideration deliverable to such Person, <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">and any cash, unpaid dividends or other distributions that would be payable or deliverable to such Person,</font> in respect of the shares of Salisbury Stock represented by such lost, stolen or
          destroyed Certificate.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref57907059"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No dividends or other
          distributions with respect to NBT Stock with a record date after the Effective Time shall be paid to the holder of any unsurrendered Certificate with respect to the shares of NBT Stock represented thereby, and no cash payment in lieu of
          fractional shares shall be paid to any such holder pursuant to subsection (l) below, and all such dividends, other distributions and cash in lieu of fractional shares of NBT Stock shall be paid by NBT to the Exchange Agent, in each case until the
          surrender of such Certificate in accordance with this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 2.03</u></font>. Subject to the effect of applicable abandoned property, escheat or similar laws, following surrender
          of any such Certificate there shall be paid to the Holder of the whole shares of NBT Stock issued in exchange therefor, without interest, (i) at the time of such surrender, the amount of dividends or other distributions with a record date after
          the Effective Time theretofore paid with respect to such whole shares of NBT Stock and the amount of any cash payable in lieu of a fractional share of NBT Stock to which such holder is entitled pursuant to subsection (l), and (ii) at the
          appropriate payment date, the amount of dividends or other distributions with a record date after the Effective Time but prior to such surrender and with a payment date subsequent to such surrender payable with respect to such whole shares of NBT
          Stock. NBT shall make available to the Exchange Agent cash for these purposes, if necessary.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref57906973"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding any other
          provision hereof, no fractional shares of NBT Stock and no certificates or scrip therefor, or other evidence of ownership thereof, will be issued in the Merger; no dividend or distribution by NBT shall relate to such fractional share interests;
          and such fractional share interests will not entitle the owner thereof to vote or to any other rights as a stockholder of NBT. In lieu of any such fractional shares, NBT shall pay to each holder of a fractional share of NBT Stock an amount of
          cash (without interest) determined by multiplying the fractional share interest to which such holder would otherwise be entitled by the average of the daily closing prices during the regular session of NBT Stock as reported on NASDAQ for the five
          (5) consecutive trading days ending on the third Business Day immediately prior to the Closing Date, rounded to the nearest whole cent (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Measurement Price</u></font>&#8221;).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">NBT, in the exercise of its reasonable discretion,
          shall have the right to make all determinations, not inconsistent with the terms of this Agreement, governing (A) the issuance and delivery of shares of NBT Stock into which shares of Salisbury Stock are converted in the Merger and (B) the method
          of payment of cash in lieu of fractional shares of NBT Stock.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083380"></a><a name="z_Toc24547068"></a><a name="z_Toc256000017"></a><a name="z_Toc118731543"></a><a name="z_Toc120550101"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Anti-Dilution Provisions</u></font>.&#160; In the event NBT or Salisbury changes (or establishes a
        record date for changing) the number of, or provides for the exchange of, shares of NBT Stock or Salisbury Stock issued and outstanding prior to the Effective Time as a result of a stock split, stock dividend, recapitalization, reclassification, or
        similar transaction with respect to the outstanding NBT Stock or Salisbury Stock and the record date therefor shall be prior to the Effective Time, the Exchange Ratio shall be proportionately and appropriately adjusted; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that, for the avoidance of doubt, no such adjustment shall be made
        with regard to NBT Stock if <a name="DocXTextRef41"></a>(a) NBT issues additional shares of NBT Stock and receives consideration for such shares in a bona fide third party transaction, <a name="DocXTextRef42"></a>(b) NBT issues additional shares
        of NBT Stock under the NBT Bancorp Inc. 2018 Omnibus Incentive Plan, or <a name="DocXTextRef43"></a>(c) NBT issues employee, director or other key service provider stock grants or similar equity awards or shares of NBT Stock upon the exercise or
        settlement thereof.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547069"></a><a name="z_Toc256000018"></a><a name="z_Ref25628921"></a><a name="z_Toc118731544"></a><a name="z_Toc120550102"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Reservation of Shares</u></font>.&#160; Effective upon the date of this Agreement, NBT shall
        reserve for issuance a sufficient number of shares of NBT Stock for the purpose of issuing shares of NBT Stock to Salisbury shareholders in accordance with this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article




            II</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc118731545"></a><a name="z_Toc120550103"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Listing of Additional Shares</u></font>.&#160; Prior to the Effective Time, NBT shall notify NASDAQ of the additional shares of NBT Stock to be issued by NBT in exchange for the shares of
        Salisbury Stock.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc118731546"></a><a name="z_Toc120550104"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 2.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Treatment of Equity Awards</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Treatment of Stock Options</u>.&#160; Effective as of the Effective Time, each option to purchase a share of Salisbury Stock (&#8220;<u>Salisbury Option</u>&#8221;), </font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">whether vested or unvested, that is outstanding as of immediately prior to the Effective Time, shall be cancelled and automatically converted into the right to receive a lump sum cash payment from Salisbury or Salisbury Bank, as
            applicable, equal to (i) the number of shares of Salisbury Stock subject to such Salisbury Option at the Effective Time, multiplied by (ii) the amount by which the Per Share Consideration exceeds the per share exercise price of such Salisbury
            Option, less applicable taxes and other withholdings and without interest. For the avoidance of doubt, if the per share exercise price for a Salisbury Option is equal to or in excess of the Per Share Consideration, such Salisbury Option shall
            be cancelled at the Effective Time in exchange for no consideration. For the avoidance of doubt, NBT shall not assume any Salisbury Options.</font></font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Treatment of Restricted Stock Awards</u></font>.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Immediately prior to the Effective Time, any vesting or other forfeiture restrictions on each share of Salisbury Stock subject to a substantial risk of forfeiture (&#8220;<u>Salisbury
            Restricted Stock</u>&#8221;) outstanding as of immediately prior to the Effective Time shall automatically lapse, and the net number of whole shares of Salisbury Stock (rounded down to the nearest whole share) determined following the withholding of
          a number of shares of Salisbury Stock necessary to satisfy applicable tax and other withholdings in connection with such vesting shall be treated as an issued and outstanding share of Salisbury Stock for the purposes of this Agreement</font>.&#160;&#160;
        For the avoidance of doubt, NBT shall not assume any Salisbury Restricted Stock. </div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Treatment of Performance-Based Restricted Stock Units </u>.&#160; Immediately prior to the Effective Time, each award of performance-based restricted stock units with respect to Salisbury Stock (&#8220;<u>Salisbury RSUs</u>&#8221;)
            outstanding as of immediately prior to the Effective Time (i) shall become vested as to the number of shares of Salisbury Stock subject to such Salisbury RSU award that would vest (A) based on target level achievement of all performance goals
            (without application of any modifier), if the Effective Time occurs during the first half of the applicable performance period of such award, or (B) based on actual level of achievement of all relevant performance goals against target measured
            as of the Effective Time, if the Effective Time occurs during the second half of the applicable performance period, in each such case, subject to further pro-ration (rounded down to the nearest whole share) based upon the length of time within
            which the performance period has elapsed prior to the Effective Time (counting to and including the Closing Date), and (ii) shall, after giving effect to such pro-rata vesting, be cancelled, with the net number of whole shares of Salisbury
            Stock (rounded down to the nearest whole share) deliverable with respect to such Salisbury RSU, determined following the withholding of a number of shares of Salisbury Stock necessary to satisfy applicable tax and other withholdings in
            connection with such vesting and deemed delivery, shall treated as an issued and outstanding share of Salisbury Stock for the purposes of this Agreement.&#160; For the avoidance of doubt, NBT shall not assume any Salisbury RSUs.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Prior<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> to the Effective Time, Salisbury shall take all actions that may be necessary or required (under any Salisbury Equity Plan, any applicable law, the applicable award agreements or otherwise) (i) to effectuate the
            provisions of this <u>Section 2.07</u>, (ii) to terminate each Salisbury Equity Plan as of the Effective Time without any further obligation or liability, and (iii) to ensure that, from and after the Effective Time, holders of Salisbury
            Options, Salisbury Restricted Stock, and Salisbury RSUs shall have no rights with respect to thereto other than those rights specifically provided in this <u>Section 2.07</u>, if any.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE III</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530085691"></a><a name="z_Ref530085734"></a><a name="z_Ref530085752"></a><a name="z_Ref530086037"></a><a name="z_Ref530086280"></a><a name="z_Toc24547072"></a><a name="z_Toc256000021"></a><a name="z_Ref25628925"></a><a name="z_Toc118731547"></a><a name="z_Toc120550105"></a>REPRESENTATIONS AND WARRANTIES OF SALISBURY AND SALISBURY BANK</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk113225351"></a>As a material inducement to NBT to enter into this Agreement and to consummate the transactions contemplated hereby,
        Salisbury and Salisbury Bank hereby make to NBT and NBT Bank the representations and warranties contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>however</u></font>, that neither Salisbury or Salisbury Bank shall be deemed to have breached a representation or
        warranty as a consequence of the existence of any fact, event or circumstance unless such fact, event or circumstance, individually or taken together with all other facts, events or circumstances inconsistent with any representation or warranty
        contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font>, has had or is reasonably likely to have, a Material Adverse Effect (disregarding for purposes of this proviso any
        materiality or Material Adverse Effect qualification or exception contained in any representation or warranty). Notwithstanding the immediately preceding sentence, the representations and warranties contained in <a name="DocXTextRef57"></a>(x) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 3.04(a)</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>(b)</u></font> shall be deemed untrue and incorrect if not true and
        correct except to a de minimis extent, <a name="DocXTextRef59"></a>(y) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 3.02</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>3.05</u></font>,
        <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>3.06</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>3.07</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>3.13(a)</u></font>,
        <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>3.15</u></font>, and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>3.27</u></font> shall be deemed untrue and incorrect if not true and correct in all material
        respects and <a name="DocXTextRef62"></a>(z) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 3.10(a)</u></font> shall be deemed untrue and incorrect if not true and correct in all respects.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547073"></a><a name="z_Toc256000022"></a><a name="z_Ref25628926"></a><a name="z_Toc118731548"></a><a name="z_Toc120550106"></a><a name="z_Hlk108612749"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Making of Representations and Warranties</u></font>.&#160; Except
        as set forth in the Salisbury Disclosure Schedule or the Salisbury SEC Documents, each of Salisbury and Salisbury Bank hereby represents and warrants to NBT and NBT Bank that the statements contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font> are correct as of the date of this Agreement and will be correct as of the Closing Date, except as to any representation or warranty that specifically relates to an
        earlier date, which only need be correct as of such earlier date.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547074"></a><a name="z_Toc256000023"></a><a name="z_Ref25628927"></a><a name="z_Toc118731549"></a><a name="z_Toc120550107"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Organization, Standing and Authority of Salisbury</u></font>.&#160; Salisbury is a Connecticut
        corporation duly organized, validly existing and in good standing under the laws of the State of Connecticut and is duly registered as a financial holding company under the Bank Holding Company Act of 1956, as amended (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>BHC Act</u></font>&#8221;). Salisbury is duly licensed or qualified to do business in the States of the United States and foreign jurisdictions where its ownership or leasing of property or the conduct of its
        business requires such qualification <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">except as would not, either individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on Salisbury</font>.&#160;




        The charter and bylaws of Salisbury, copies of which have been made available to NBT, are true, complete and correct copies of such documents and are in full force and effect as of the date of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref23699264"></a><a name="z_Toc24547075"></a><a name="z_Toc256000024"></a><a name="z_Toc118731550"></a><a name="z_Toc120550108"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Organization, Standing and Authority of Salisbury Bank</u></font>.&#160; Salisbury Bank is a
        Connecticut-chartered bank duly organized, validly existing and in good standing under the laws of the State of Connecticut.&#160; Salisbury Bank&#8217;s deposits are insured by the FDIC in the manner and to the fullest extent provided by applicable law, and
        all premiums and assessments required to be paid in connection therewith have been paid by Salisbury Bank when due.&#160; No proceedings for the revocation or termination of such deposit insurance are pending or, to the Knowledge of Salisbury,
        threatened. Salisbury Bank is a nonmember bank with respect to the Federal Reserve System and its primary federal bank regulator is the FDIC.&#160; Salisbury Bank is a member in good standing of the FHLBB and owns the requisite amount of stock of the
        FHLBB as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef69"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.03</u></font>.&#160; The
        charter and bylaws of Salisbury Bank, copies of which have been made available to NBT, are true, complete and correct copies of such documents and are in full force and effect as of the date of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547076"></a><a name="z_Toc256000025"></a><a name="z_Ref25628928"></a><a name="z_Toc118731551"></a><a name="z_Toc120550109"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Salisbury and Salisbury Bank Capital Stock</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628929"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The authorized capital
          stock of Salisbury consists solely of 10,000,000 shares of common stock, par value $0.10 per share, of which 5,783,966 shares (including Salisbury Restricted Stock) are issued and 5,783,966 shares are outstanding as of the date hereof (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Stock</u></font>&#8221;) and 25,000 shares of preferred stock, par value $0.01 per share, of which no shares are outstanding as of the date hereof.&#160; As of the date hereof, there
          are no shares of Salisbury Stock held in treasury by Salisbury.&#160; The outstanding shares of Salisbury Stock have been, and all shares of Salisbury Stock reserved for issuance in connection with Salisbury Options and Salisbury RSUs will be, when
          issued in accordance with their respective terms, duly authorized and validly issued, and are fully paid, and non-assessable.&#160; Except for the Salisbury Options listed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury
              Disclosure Schedule 3.04(c)(i)</u></font> and the Salisbury RSUs listed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.04(c)(iii)</u></font>, Salisbury does not have any Rights issued or
          outstanding with respect to Salisbury Stock and Salisbury does not have any commitment to authorize, issue or sell any Salisbury Stock or Rights. </font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628930"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The authorized capital
          stock of Salisbury Bank consists solely of 500,000 shares of common stock, par value $3.33 per share, of which 261,398 shares are outstanding as of the date hereof (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Bank
              Stock</u></font>&#8221;). The outstanding shares of Salisbury Bank Stock have been duly authorized and validly issued, are fully paid and non-assessable, are owned by Salisbury free and clear of all Liens (except as provided under <a name="DocXTextRef72"></a>12 U.S.C. &#167; <a name="DocXTextRef73"></a>55 or any comparable provision of applicable state law) and were not issued in violation of any preemptive rights. Salisbury Bank does not have any Rights issued or outstanding
          with respect to Salisbury Bank Stock and Salisbury Bank does not have any commitment to authorize, issue or sell any Salisbury Bank Stock or Rights.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Salisbury Disclosure Schedule 3.04(c)(i)</u> contains a list setting forth, as of the date of this Agreement, with respect to each outstanding Salisbury Option, (i) the name of the holder of such Salisbury Option,
            (ii) whether the holder is a current or former employee, director or other individual service provider of Salisbury or any of its Subsidiaries, (iii) the number of shares of Salisbury Stock covered by such Salisbury Option, (iv) the exercise
            price per share with respect to such Salisbury Option, (v) the date of grant of such Salisbury Option, (vi) the date of expiration of such Salisbury Option, (vii) the vesting schedule applicable to such Salisbury Option, including whether such
            Salisbury Option is subject to accelerated vesting in connection with the consummation of the transactions contemplated hereby, (viii) whether such Salisbury Option is an incentive stock option or a nonqualified stock option, and (ix) the
            applicable Salisbury Equity Plan under which such Salisbury Option was granted.</font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: #000000;">&#160;</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Upon issuance in accordance with the terms of the applicable Salisbury Equity Plan and award agreements, the shares of Salisbury Stock issued pursuant to the Salisbury Options have been and shall be issued in
            compliance with all applicable laws. <u>Salisbury Disclosure Schedule 3.04(c)(ii)</u> contains a list setting forth, as of the date of this Agreement, with respect to each outstanding share of Salisbury Restricted Stock, (i) the name of the
            holder of such Salisbury Restricted Stock, (ii) whether the holder is a current or former employee, director or other individual service provider of Salisbury or any of its Subsidiaries, (iii) the number of shares of Salisbury Stock covered by
            such Salisbury Restricted Stock award, (iv) the date of grant of such Salisbury Restricted Stock award, (v) the vesting schedule applicable to such Salisbury Restricted Stock, including whether such Salisbury Restricted Stock is subject to
            accelerated vesting in connection with the consummation of the transactions contemplated hereby, and (vi) the applicable Salisbury Equity Plan under which such Salisbury Restricted Stock was granted</font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Salisbury Disclosure Schedule 3.04(c)(iii)</u> contains a list setting forth, as of the date of this Agreement, with respect to each outstanding Salisbury RSU, (i) the name of the holder of
            such Salisbury RSU, (ii) whether the holder is a current or former employee, director or other individual service provider of Salisbury or any of its Subsidiaries, (iii) the number of shares of Salisbury Stock covered by such Salisbury RSU
            award, (iv) the date of grant of such Salisbury RSU award, (v) the vesting schedule applicable to such Salisbury RSU, including whether such Salisbury RSU is subject to accelerated vesting in connection with the consummation of the transactions
            contemplated hereby, (vi) the applicable Salisbury Equity Plan under which such Salisbury RSU was granted, and (vi) whether such Salisbury RSU is subject to Section 409A of the Code.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547077"></a><a name="z_Toc256000026"></a><a name="z_Ref25628932"></a><a name="z_Toc118731552"></a><a name="z_Toc120550110"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Subsidiaries</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">&#160;</font>Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef79"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule
            3.05</u></font>, Salisbury does not, directly or indirectly, own or control any Affiliate.&#160; Except as disclosed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef80"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.05</u></font>, Salisbury does not have any equity interest, direct or indirect, in any other bank or corporation or in any partnership, joint venture or other business
        enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217; remedies or in a fiduciary capacity, and the business carried on by Salisbury has not been conducted through any other direct or
        indirect Subsidiary or Affiliate of Salisbury.&#160; No such equity investment identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef81"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.05</u></font> is prohibited by applicable federal or state laws and regulations.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547078"></a><a name="z_Toc256000027"></a><a name="z_Ref25628933"></a><a name="z_Toc118731553"></a><a name="z_Toc120550111"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Corporate Power; Minute Books</u></font>.&#160; Each of Salisbury and Salisbury Bank has the
        corporate power and authority to carry on its business as it is now being conducted and to own all its properties and assets; and each of Salisbury and Salisbury Bank has the corporate power and authority to execute, deliver and perform its
        obligations under this Agreement and to consummate the transactions contemplated hereby, subject to receipt of all necessary approvals of Governmental Authorities and the approval of Salisbury&#8217;s shareholders of this Agreement.&#160; To the extent that
        either Salisbury or Salisbury Bank exercises trust powers or acts as a fiduciary, it holds all required approvals of the CTDOB or FDIC.&#160; The minute books of Salisbury contain true, complete and accurate records, in all material respects, of all
        meetings and other corporate actions held or taken by shareholders of Salisbury and the Salisbury Board (including committees of the Salisbury Board). The minute books of Salisbury Bank contain true, complete and accurate records, in all material
        respects, of all meetings and other corporate actions held or taken by shareholders of Salisbury Bank and the Salisbury Bank Board (including committees of the Salisbury Bank Board).</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547079"></a><a name="z_Toc256000028"></a><a name="z_Ref25628934"></a><a name="z_Toc118731554"></a><a name="z_Toc120550112"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Execution and Delivery</u></font>.&#160; Subject to the approval of this Agreement by the
        shareholders of Salisbury, this Agreement and the transactions contemplated hereby have been authorized by all necessary corporate action of Salisbury, the Salisbury Board, Salisbury Bank and the Salisbury Bank Board on or prior to the date
        hereof.&#160; The Salisbury Board has directed that this Agreement be submitted to Salisbury&#8217;s shareholders for approval at a meeting of such shareholders and, except for the approval and adoption of this Agreement by the requisite affirmative vote of
        the holders of the outstanding shares of Salisbury Stock entitled to vote thereon, no other vote of the shareholders of Salisbury is required by law, the charter or bylaws of Salisbury or otherwise to approve this Agreement and the transactions
        contemplated hereby.&#160; Salisbury and Salisbury Bank have duly executed and delivered this Agreement and, assuming due authorization, execution and delivery by NBT and NBT Bank, this Agreement is a valid and legally binding obligation of Salisbury
        and Salisbury Bank, enforceable in accordance with its terms (except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization, moratorium, fraudulent transfer and similar laws of general applicability relating to or
        affecting creditors&#8217; rights or by general equity principles).</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547080"></a><a name="z_Toc256000029"></a><a name="z_Ref25628935"></a><a name="z_Toc118731555"></a><a name="z_Toc120550113"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Regulatory Approvals; No Defaults</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628936"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No consents or approvals
          of, or waivers by, or filings or registrations with, any Governmental Authority or with any third party are required to be made or obtained by Salisbury or any of its Subsidiaries in connection with the execution, delivery or performance by
          Salisbury or Salisbury Bank of this Agreement or to consummate the transactions contemplated hereby, except for <a name="DocXTextRef82"></a>(i) filings of applications, notices or waiver requests, and consents, approvals or waivers described in
          <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 4.08</u></font>, and (ii) the approval of this Agreement by the requisite affirmative vote of the holders of the outstanding shares of Salisbury Stock.&#160; As
          of the date hereof, Salisbury has no Knowledge of any reason why the approvals set forth above and referred to in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.01(a)</u></font> will not be received
          in a timely manner.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628937"></a><a name="z_Hlk113231196"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to receipt of the consents, approvals and waivers and the making of the filings referred to in the preceding paragraph, and the expiration of related waiting periods, the execution, delivery and performance of this Agreement by
          Salisbury and Salisbury Bank, as applicable, and the consummation of the transactions contemplated hereby do not and will not <a name="DocXTextRef85"></a>(i) constitute a breach or violation of, or a default under, the charter or bylaws of
          Salisbury (or similar governing documents) or similar governing documents of any of its Subsidiaries, (ii) violate any statute, code, ordinance, rule, regulation, judgment, order, writ, decree or injunction applicable to Salisbury or any of its
          Subsidiaries, or any of its properties or assets, or (iii) violate, conflict with, result in a breach of any provision of or the loss of any benefit under, constitute a default (or an event which, with notice or lapse of time, or both, would
          constitute a default) under, result in the termination of or a right of termination or cancellation under, except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.08(b)</u></font>,
          accelerate the performance required by, or result in the creation of any Lien upon any of the properties or assets of Salisbury or any of its Subsidiaries under, any of the terms, conditions or provisions of any note, bond, mortgage, indenture,
          deed of trust, license, lease, contract, agreement or other instrument or obligation to which Salisbury or any of its Subsidiaries is a party, or by which it or any of its properties or assets may be bound or affected, except, in the case of
          clauses (ii) and (iii), for such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on Salisbury or Salisbury Bank.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547081"></a><a name="z_Toc256000030"></a><a name="z_Ref25628938"></a><a name="z_Toc118731556"></a><a name="z_Toc120550114"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Financial Statements; SEC Documents</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628939"></a><a name="z_Hlk108635430"></a><a name="z_Hlk56713196"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury has previously made available to NBT copies of the Salisbury Financial Statements. The Salisbury Financial Statements (including the related notes, where applicable) fairly present in all material
          respects (subject, in the case of the unaudited statements, to recurring audit adjustments normal in nature and amount), the results of the operations and financial position of Salisbury and its consolidated Subsidiaries for the respective fiscal
          periods or as of the respective dates therein set forth; each of such statements (including the related notes, where applicable) complies with applicable accounting requirements; and each of such statements (including the related notes, where
          applicable) has been prepared in accordance with GAAP consistently applied during the periods involved, except as indicated in the notes thereto.&#160; The books and records of Salisbury have been, and are being, maintained in accordance with GAAP and
          any other applicable legal and accounting requirements and reflect only actual transactions.&#160; Baker Newman &amp; Noyes LLC has not resigned or been dismissed as independent public accountants of Salisbury as a result of or in connection with any
          disagreements with Salisbury on a matter of accounting principles or practices, financial statement disclosure or auditing scope or procedure.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628941"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Salisbury&#8217;s Annual Report on Form 10-K, as amended through the date of this Agreement, for the fiscal year ended December 31, 2021 (the &#8220;<u>Salisbury 2021 Form 10-K</u>&#8221;), and all other
            reports, registration statements, definitive proxy statements or information statements required to be filed or furnished by Salisbury or any of its Subsidiaries subsequent to January 1, 2022, under the Securities Act, or under Sections 13(a),
            13(c), 14 and 15(d) of the Exchange Act (collectively, the &#8220;<u>Salisbury SEC Documents</u>&#8221;), with the Securities and Exchange Commission (the &#8220;<u>SEC</u>&#8221;), and all of the Salisbury SEC Documents filed with the SEC after the date of this
            Agreement, in the form filed or to be filed, (i) complied or will comply as to form in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not and will not
            contain any untrue statement of a material fact or omit to state a material fact required to be stated therein or necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading. Except
            for those liabilities that are fully reflected or reserved against in the most recent audited consolidated balance sheet of Salisbury and its Subsidiaries contained in the Salisbury 2021 Form 10-K and, except for liabilities reflected in
            Salisbury SEC Documents filed prior to the date of this Agreement or incurred in the ordinary course of business consistent with past practices or in connection with this Agreement, since December 31, 2021, neither Salisbury nor any of its
            Subsidiaries has any liabilities or obligations of any nature (whether accrued, absolute, contingent or otherwise) required by GAAP to be set forth on its consolidated balance sheet or in the notes thereto.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury and each of its
          Subsidiaries, officers and directors are in compliance with, and have complied in all material respects, with (1) the applicable provisions of Sarbanes-Oxley and the related rules and regulations promulgated under such act and the Exchange Act,
          and (2) the applicable listing and corporate governance rules and regulations of NASDAQ. Salisbury (i) has established and maintained disclosure controls and procedures and internal control over financial reporting (as such terms are defined in
          paragraphs (e) and (f), respectively, of Rule 13a-15 under the Exchange Act) as required by Rule 13a-15 under the Exchange Act, and (ii) has disclosed based on its most recent evaluations, to its outside auditors and the audit committee of the
          Salisbury Board (A) all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act) which are reasonably likely to adversely affect
          Salisbury&#8217;s ability to record, process, summarize and report financial data and (B) any fraud, whether or not material, that involves management or other employees who have a significant role in Salisbury&#8217;s internal control over financial
          reporting.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547082"></a><a name="z_Toc256000031"></a><a name="z_Ref25628942"></a><a name="z_Toc118731557"></a><a name="z_Toc120550115"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Absence of Certain Changes or Events</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628943"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Since December 31, 2021,
          there has been no change or development or combination of changes or developments which, individually or in the aggregate, has had or is reasonably likely to have a Material Adverse Effect on Salisbury.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628944"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef103"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.10(b)</u></font>, since December 31, 2021,
          each of Salisbury and its Subsidiaries has carried on its business only in the ordinary and usual course of business consistent with its past practices (except for actions in connection with the transactions contemplated by this Agreement).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628945"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef107"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.10(c)</u></font>, since December 31, 2021,
          none of Salisbury or any of its Subsidiaries has <a name="DocXTextRef104"></a>(i) except in the ordinary course of business consistent with past practice (A), increased the wages, salaries, compensation, pension, or other fringe benefits or
          perquisites payable to any current or former employee, director or other individual service provider from the amount thereof in effect as of December 31, 2021, (B) except as disclosed in the Salisbury SEC Documents, granted any severance,
          termination pay, bonus, retention bonus, or change in control benefits, entered into any contract to make or grant any severance, termination pay, bonus, retention bonus, or change in control benefits, or paid any bonus or retention bonus, or (C)
          except in the ordinary course of business consistent with past practice, granted any Salisbury Options, Salisbury Restricted Stock or Salisbury RSUs, (ii) except as disclosed in the Salisbury SEC Documents, declared, set aside or paid any
          dividend or other distribution (whether in cash, stock or property) with respect to any of Salisbury&#8217;s capital stock, (iii) effected or authorized any split, combination or reclassification of any of Salisbury&#8217;s capital stock or any issuance or
          issued any other securities in respect of, in lieu of or in substitution for shares of Salisbury&#8217;s capital stock, (iv) except as disclosed in the Salisbury SEC Documents, changed any accounting methods (or underlying assumptions), principles or
          practices of Salisbury affecting its assets, liabilities or business, including without limitation, any reserving, renewal or residual method, practice or policy, <a name="DocXTextRef105"></a>(v) made any tax election by Salisbury or any
          settlement or compromise of any income tax liability by Salisbury, (vi) made any material change in Salisbury&#8217;s policies and procedures in connection with underwriting standards, origination, purchase and sale procedures or hedging activities
          with respect to any Loans, (vii) suffered any strike, work stoppage, slow-down, or other labor disturbance, (viii) been a party to a collective bargaining agreement, contract or other agreement or understanding with a labor union or organization,
          (ix) had any union organizing activities or <a name="DocXTextRef106"></a>(x) made any agreement or commitment (contingent or otherwise) to do any of the foregoing.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547084"></a><a name="z_Toc256000033"></a><a name="z_Ref25628947"></a><a name="z_Toc118731558"></a><a name="z_Toc120550116"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Regulatory Matters</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628948"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of Salisbury and its
          Subsidiaries has timely filed all reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since January 1, 2020 with any Governmental Authority and has paid all
          fees and assessments due and payable in connection therewith.&#160; Except for normal examinations conducted by any Governmental Authority in the regular course of the business of Salisbury, and except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef112"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.11</u></font>, no Governmental Authority has initiated any
          proceeding, or to the Knowledge of Salisbury, investigation into the business or operations of Salisbury or any of its Subsidiaries, since January 1, 2020.&#160; There is no unresolved violation or matter requiring attention issued by any Governmental
          Authority in connection with any report or statement relating to any examinations of Salisbury Bank.&#160; Each of Salisbury and Salisbury Bank is &#8220;well-capitalized&#8221; as defined in applicable laws and regulations, and Salisbury Bank has a Community
          Reinvestment Act of 1977, as amended (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Community Reinvestment Act</u></font>&#8221;), rating of &#8220;satisfactory&#8221; or better.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628950"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in
          <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.11</u></font>, since January 1, 2020, Salisbury has timely filed with the SEC and NASDAQ all documents required by the Securities Act and the
          Exchange Act and such documents, as the same may have been amended, complied, at the time filed with the SEC, in all material respects with the Securities Act and the Exchange Act.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither Salisbury, Salisbury Bank, nor any of their
          respective properties is a party to or is subject to any order, decree, agreement, memorandum of understanding or similar arrangement with, or a commitment letter or similar submission to, or extraordinary supervisory letter (each a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Order</u></font>&#8221;) from any Governmental Authority charged with the supervision or regulation of financial institutions or issuers of securities institutions or engaged in
          the insurance of deposits (including, without limitation, the CTDOB, the FDIC and the FRB) or the supervision or regulation of it.&#160; Neither Salisbury nor Salisbury Bank has been advised by, or has any Knowledge of facts which could give rise to
          an advisory notice by, any Governmental Authority that such Governmental Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) any Regulatory Order.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 3.11</u></font> is subject to the limitations
          of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547085"></a><a name="z_Toc256000034"></a><a name="z_Ref25628951"></a><a name="z_Toc118731559"></a><a name="z_Toc120550117"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Legal Proceedings; Regulatory Action</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628952"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in
          <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef117"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.12</u></font>, <a name="DocXTextRef116"></a>(i)




          there are no pending or, to Salisbury&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions against, or governmental or regulatory investigations of, Salisbury or any of its Subsidiaries and (ii) to
          Salisbury&#8217;s Knowledge, there are no facts which would reasonably be expected to give rise to such litigation, claim, suit, investigation or other proceeding.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628953"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither Salisbury nor
          Salisbury Bank is a party to any, nor are there any pending or, to Salisbury&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against Salisbury or
          Salisbury Bank in which, to the Knowledge of Salisbury, there is a reasonable probability of any material recovery against or a Material Adverse Effect on Salisbury or which challenges the validity or propriety of the transactions contemplated by
          this Agreement.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628954"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">There is no injunction,
          order, judgment or decree imposed upon Salisbury or any of its Subsidiaries, or their respective assets, and no such action has been threatened against Salisbury or any of its Subsidiaries.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628955"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">None of
          Salisbury or any of its Subsidiaries has been subject to any order or directive by, or been ordered to pay any civil money penalty by, or has been since January 1, 2020, a recipient of any supervisory letter from, or since January 1, 2020, has
          adopted any policies, procedures or board resolutions at the request or suggestion of, any Governmental Authority that currently regulates in any material respect the conduct of its business or that in any manner relates to its capital adequacy,
          its ability to pay dividends, its credit or risk management policies, its management or its business, other than those of general application that apply to similarly-situated banks or financial holding companies or their subsidiaries.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither Salisbury nor Salisbury Bank has been advised
          by a Governmental Authority that it will issue, or has Knowledge of any facts which would reasonably be expected to give rise to the issuance by any Governmental Authority or has Knowledge that such Governmental Authority is contemplating issuing
          or requesting (or is considering the appropriateness of issuing or requesting), any such order, decree, agreement, board resolution, memorandum of understanding, supervisory letter, commitment letter, condition or similar submission.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 3.12</u></font> is subject to the limitations
          of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547086"></a><a name="z_Toc256000035"></a><a name="z_Ref25628956"></a><a name="z_Toc118731560"></a><a name="z_Toc120550118"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.13</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Compliance with Laws</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628957"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of Salisbury and its
          Subsidiaries is in compliance in all material respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable thereto or to the employees conducting such
          businesses, including, without limitation, the Investment Company Act of 1940, as amended, the Equal Credit Opportunity Act, as amended, the Fair Housing Act, as amended, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the Bank
          Secrecy Act of 1970, as amended, the USA PATRIOT Act, and all other applicable fair lending and fair housing laws or other laws relating to discrimination;</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628958"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of Salisbury and its
          Subsidiaries has all permits, licenses, authorizations, orders and approvals of, and have made all filings, applications and registrations with, all Governmental Authorities that are required in order to permit it to own or lease its properties
          and to conduct its business as presently conducted <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">except where the failure to hold such permits, licensees, authorizations, orders or approvals, or the failure to
            make such filings, applications or registrations would not, individually or in the aggregate, reasonably be expected to have a Material Adverse Effect on </font>Salisbury <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">or </font>its Subsidiaries; all such permits, licenses, certificates of authority, orders and approvals are in full force and effect and, to Salisbury&#8217;s Knowledge, no suspension or cancellation of any of them is threatened;</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628959"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any
          Subsidiary has received, since January 1, 2020, any notification or communication from any Governmental Authority <a name="DocXTextRef118"></a>(i) asserting that it is not in compliance with any of the statutes, regulations or ordinances which
          such Governmental Authority enforces or (ii) threatening to revoke any license, franchise, permit or governmental authorization (nor, to Salisbury&#8217;s Knowledge, do any grounds for any of the foregoing exist); and</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628960"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Since January 1, 2020,
          Salisbury has conducted any finance activities (including, without limitation, mortgage banking and mortgage lending activities and consumer finance activities) in all material respects in compliance with all applicable statutes and regulations
          regulating the business of consumer lending, including, without limitation, state usury laws, the Truth in Lending Act, the Real Estate Settlement Procedures Act, the Consumer Credit Protection Act, the Equal Credit Opportunity Act, the Fair
          Credit Reporting Act, the Homeowners Ownership and Equity Protection Act, the Fair Debt Collection Practices Act and other federal, state, local and foreign laws regulating lending (collectively, &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Finance Laws</u></font>&#8221;), and with all applicable origination, servicing and collection practices, as established by Salisbury or Salisbury Bank, with respect to any loan or credit extension by such entity.&#160; In addition, there
          is no pending or, to the Knowledge of Salisbury, threatened charge by any Governmental Authority that Salisbury has violated, nor any pending or, to Salisbury&#8217;s Knowledge, threatened investigation by any Governmental Authority with respect to
          possible violations of, any applicable Finance Laws.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 3.13</u></font> is subject to the limitations
          of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547087"></a><a name="z_Toc256000036"></a><a name="z_Ref25628961"></a><a name="z_Toc118731561"></a><a name="z_Toc120550119"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Material Contracts; Defaults</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530083502"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth
          in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef122"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.14</u></font> or as filed with the
          Salisbury SEC Documents, none of Salisbury or any of its Subsidiaries is a party to, bound by or subject to any agreement, contract, arrangement, commitment or understanding (whether written or oral): <a name="DocXTextRef120"></a>(i) with
          respect to the employment or service of any current or former employees, or directors of Salisbury or any of its Subsidiaries; (ii) which would entitle any current or former employee, director, other individual service provider or agent of
          Salisbury or any of its Subsidiaries to indemnification from Salisbury or such Subsidiaries; (iii) any agreement, arrangement, or commitment (whether written or oral) which, upon the consummation of the transactions contemplated by this Agreement
          would result in any payment (whether of change in control, bonus, retention bonus, severance pay or otherwise) becoming due from Salisbury or any of its Subsidiaries to any current or former employee, director, or other individual service
          provider thereof; (iv) which is not terminable on sixty (60) days or less notice and involving the payment of more than $100,000 per annum; <a name="DocXTextRef121"></a>(v) is material to the financial condition, results of operations or
          business of Salisbury or any of its Subsidiaries; (vi) is a Lease; or (vii) which materially restricts the conduct of any business by Salisbury.&#160; Salisbury has previously delivered or made available to NBT true, complete and correct copies of
          each such document.&#160; Each contract, arrangement, commitment or understanding of the type of described in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 3.14(a)</u></font>, whether or not set forth
          on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef123"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.14</u></font> is referred to herein
          as a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Material Contract</u></font>.&#8221;</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628962"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">To its Knowledge, neither
          Salisbury nor any of its Subsidiaries is in default under any Material Contract, and there has not occurred any event that, with the lapse of time or the giving of notice or both, would constitute such a default.&#160; No power of attorney or similar
          authorization given directly or indirectly by Salisbury or any of its Subsidiaries is currently outstanding.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547088"></a><a name="z_Toc256000037"></a><a name="z_Ref25628963"></a><a name="z_Ref25629441"></a><a name="z_Toc118731562"></a><a name="z_Toc120550120"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.15</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Brokers</u></font>.&#160; Neither Salisbury nor any of its
        Subsidiaries nor any of their respective officers or directors has employed any broker or finder or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this
        Agreement, except that Salisbury has engaged, and will pay a fee or commission to, Janney Montgomery Scott LLC.&#160; A true, complete and correct copy of the engagement letter with Janney Montgomery Scott LLC has been provided to NBT.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547089"></a><a name="z_Toc256000038"></a><a name="z_Ref25628964"></a><a name="z_Toc118731563"></a><a name="z_Toc120550121"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.16</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Employee Benefit Plans</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628965"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All benefit and
          compensation <a name="z_Hlk56803800"></a>plans, contracts, programs, policies or arrangements maintained, sponsored or contributed to by Salisbury, Salisbury Bank, or any of their Subsidiaries, or with respect to which Salisbury, Salisbury Bank
          or any of their Subsidiaries has any liability, whether actual or contingent, covering current or former employees of Salisbury, Salisbury Bank, or any of their Subsidiaries (collectively, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Employees</u></font>&#8221;), current or former directors of Salisbury, Salisbury Bank or any of their Subsidiaries, any other current or former individual service providers of Salisbury, Salisbury Bank, or any of their
          Subsidiaries, or the dependents or beneficiaries of any of the foregoing, including, but not limited to, &#8220;employee benefit plans&#8221; within the meaning of Section 3(3) of ERISA, and deferred compensation, stock option, stock purchase, stock
          appreciation rights, stock based compensation, supplemental retirement, employment, consulting, termination, severance, change in control, separation, retention, incentive, bonus, fringe benefit, health, medical, dental, vision, disability,
          accident, life insurance, welfare benefit, cafeteria, flexible spending, vacation, paid time off or perquisite plans, contracts, programs, policies or arrangements, in each case, whether written or unwritten (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Benefit Plans</u></font>&#8221;), are identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.16(a)</u></font>.&#160; Salisbury or Salisbury Bank has
          delivered or made available to NBT a copy of each Salisbury Benefit Plan (or a written description of the material provisions of each unwritten Salisbury Benefit Plan) and, with respect thereto, as applicable, (i) all amendments, currently
          effective trust (or other funding vehicle) agreements and insurance contracts, (ii) the most recent summary plan description (and all summaries of material modifications thereto), (iii) the most recent actuarial report (or other financial
          statement relating to such Salisbury Benefit Plan), (iv) the three (3) most recently filed Forms 5500 (with all schedules and attachments), (v) the most recent determination (or, if applicable, opinion or advisory) letter from the IRS and (vi)
          all material correspondence to or from a Governmental Authority during the past three (3) years.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628966"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each Salisbury Benefit
          Plan has been maintained and administered in material compliance with its terms and applicable law, including, without limitation, ERISA and the Code. Each Salisbury Benefit Plan which is an &#8220;employee pension benefit plan&#8221; within the meaning of
          Section 3(2) of ERISA (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Pension Plan</u></font>&#8221;) and which is intended to be qualified under <a name="DocXTextRef125"></a>Section 401(a) of the Code, has received a
          favorable determination (or, if applicable, opinion or advisory) letter from the IRS, and to the Knowledge of Salisbury, there are no circumstances likely to result in revocation of any such favorable determination (or, if applicable, opinion or
          advisory) letter or the loss of the qualification of such Salisbury Pension Plan under <a name="DocXTextRef126"></a>Section 401(a) of the Code.&#160; There is no pending or, to Salisbury&#8217;s Knowledge, threatened claim, action, suit, litigation,
          proceeding, arbitration, mediation, investigation or audit relating to the Salisbury Benefit Plans (other than routine claims for benefits in the normal course).&#160; Neither Salisbury, Salisbury Bank nor any of their Subsidiaries has engaged in any
          transaction with respect to any Salisbury Benefit Plan that, assuming the taxable period of such transaction expired as of the date hereof, could subject Salisbury, Salisbury Bank or any of their Subsidiaries to a material tax or penalty imposed
          by either Section 4975 of the Code or <a name="DocXTextRef127"></a>Section 502(i) of ERISA.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628967"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither Salisbury,
          Salisbury Bank, any of their Subsidiaries nor any entity which is considered to be one employer with Salisbury, Salisbury Bank or any of their Subsidiaries under Section 4001 of ERISA or Section 414 of the Code maintains, sponsors, participates
          in or contributes to (or has any obligation to contribute to), or has ever maintained, sponsored, participated in or contributed to (or had any obligation to contribute to), or has or is reasonably expected to have any direct or indirect
          liability with respect to any plan subject to Title IV of ERISA, including any &#8220;multiemployer plan,&#8221; as defined in Section 3(37) of ERISA.&#160; None of the Salisbury Benefit Plans is a &#8220;multiple employer plan&#8221; (within the meaning of Section 210 of
          ERISA or Section 413(c) of the Code) or a &#8220;multiple employer welfare arrangement&#8221; (within the meaning of Section 3(40) of ERISA).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628968"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All contributions,
          payments, premiums and other obligations required to be made under the terms of any Salisbury Benefit Plan or an agreement with any Salisbury Employee have been timely made or have been accurately reflected on the financial statements of
          Salisbury.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628969"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as identified
          in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.16(e)</u></font>, neither Salisbury, Salisbury Bank nor any of their Subsidiaries has any obligations to provide or fund retiree health or life
          insurance benefits, other than coverage as may be required under Section 4980B of the Code or Part <a name="DocXTextRef132"></a>6 of Title I of ERISA, or under the continuation of coverage provisions of the applicable laws of any state or
          locality.&#160; Salisbury or Salisbury Bank may amend or terminate any Salisbury Benefit Plan identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.16(e)</u></font> at any time without
          incurring any liability thereunder.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628970"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in
          <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.16(f)</u></font>, the execution of this Agreement, shareholder approval of this Agreement or consummation of any of the transactions contemplated by
          this Agreement (either alone or together with any other event) will not <a name="DocXTextRef133"></a>(i) entitle any Salisbury Employees to severance pay or any increase in severance pay upon any termination of employment after the date hereof,
          (ii) accelerate the time of payment or vesting or trigger any payment or funding (through a grantor trust or otherwise) of compensation or benefits under, increase the amount payable or trigger any other material obligation pursuant to, any of
          the Salisbury Benefit Plans, (iii) result in any breach or violation of, or a default under, any of the Salisbury Benefit Plans, (iv) result in any payment that would be a &#8220;parachute payment&#8221; to a &#8220;disqualified individual&#8221; as those terms are
          defined in <a name="DocXTextRef135"></a>Section 280G of the Code, without regard to whether such payment is reasonable compensation for personal services performed or to be performed in the future, <a name="DocXTextRef134"></a>(v) limit or
          restrict the right of Salisbury or Salisbury Bank, or after the consummation of the transactions contemplated hereby, NBT, the Surviving Corporation or the Surviving Bank, to merge, amend, or terminate any of the Salisbury Benefit Plans, or (vi)
          result in payments that would not be deductible under <a name="DocXTextRef136"></a>Section 162(m) of the Code.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.16(g)</u></font>, neither Salisbury nor Salisbury Bank has any obligation to compensate any current or former employee, officer, director or other service provider of
          Salisbury, Salisbury Bank or any of their Subsidiaries for excise Taxes paid pursuant to Section 4999 of the Code. <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.16(g)</u></font> contains a
          schedule showing the present value of the monetary amounts payable as of the date specified in such schedule, whether individually or in the aggregate (including good faith estimates of all amounts not subject to precise quantification as of the
          date of this Agreement), under any employment, change-in-control, severance or similar contract, plan or arrangement with or which covers any present or former director, officer or employee of Salisbury or Salisbury Bank who may be entitled to
          any such amount and identifying the types and estimated amounts of the in-kind benefits due under any Salisbury Benefit Plans (other than a plan qualified under <a name="DocXTextRef137"></a>Section 401(a) of the Code) for each such person,
          specifying the assumptions in such schedule.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628971"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury, Salisbury Bank,
          each of their Subsidiaries and each Salisbury Benefit Plan are in material compliance with the applicable terms of the Patient Protection and Affordable Care Act of 2010, as amended by the Health Care and Education Reconciliation Act of 2010, and
          the guidance and regulations issued under each of the foregoing.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each Salisbury Benefit Plan that is a &#8220;nonqualified
          deferred compensation plan&#8221; (as such term is defined in Section 409A(d)(1) of the Code) and any deferral elections thereunder are in documentary compliance with and have been maintained and operated in compliance with its terms and the
          operational and documentary requirements of Section 409A of the Code and the regulations thereunder. Neither Salisbury, Salisbury Bank nor any of their Subsidiaries has any obligation to gross up, indemnify or otherwise reimburse any current or
          former officer, director, employee or consultant of Salisbury, Salisbury Bank or any of their Subsidiaries for any Taxes incurred by such individual pursuant to Section 409A of the Code.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547090"></a><a name="z_Toc256000039"></a><a name="z_Ref25628973"></a><a name="z_Toc118731564"></a><a name="z_Toc120550122"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.17</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Labor Matters</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any of its Subsidiaries is a
          party to or bound by any collective bargaining agreement, contract or other agreement or understanding with a labor union or labor organization, nor is Salisbury or any of its Subsidiaries the subject of a proceeding asserting that it has
          committed an unfair labor practice (within the meaning of the National Labor Relations Act, as amended) or seeking to compel Salisbury or any of its Subsidiaries to bargain with any labor organization as to wages or conditions of employment, nor
          is there any strike or other labor dispute involving it pending or, to Salisbury&#8217;s Knowledge, threatened, nor is Salisbury or any of its Subsidiaries aware of any activity involving its employees seeking to certify a collective bargaining unit or
          engaging in other organizational activity.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury and each of its Subsidiaries is in material
          compliance with all applicable laws, statutes, rules and regulations respecting employment and employment practices, terms and conditions of employment of employees, former employees and prospective employees, wages and hours, pay equity,
          discrimination in employment, wrongful discharge, collective bargaining, fair labor standards, occupational health and safety, personal rights or any other labor and employment-related matters.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">18</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury and each of its Subsidiaries has paid in
          full to all of its employees or adequately accrued in accordance with GAAP all wages, salaries, commissions, bonuses, benefits and other compensation due to or on behalf of such employees.&#160; Salisbury and each of its Subsidiaries has properly
          classified all of its service providers as either employees or independent contractors and as exempt or non-exempt for all purposes (including for purposes of the Salisbury Benefit Plans), if applicable, and has made all appropriate filings in
          connection with services provided by, and compensation paid to, such service providers.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">During the preceding three (3) years, (i) neither
          Salisbury nor any of its Subsidiaries has effectuated a &#8220;plant closing&#8221; (as defined in the federal or applicable state WARN Act) affecting any site of employment or one or more facilities or operating units within any site of employment or
          facility, (ii) there has not occurred a &#8220;mass layoff&#8221; (as defined in the federal or applicable state WARN Act) in connection with Salisbury or any of its Subsidiaries affecting any site of employment or one or more facilities or operating units
          within any site of employment or facility and (iii) neither Salisbury nor any of its Subsidiaries been affected by any transaction or engaged in layoffs or employment terminations sufficient in number to trigger application of any similar
          applicable law.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547091"></a><a name="z_Toc256000040"></a><a name="z_Ref25628974"></a><a name="z_Toc118731565"></a><a name="z_Toc120550123"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.18</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Environmental Matters</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628975"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.18</u></font>, each property owned, leased or operated by Salisbury and its Subsidiaries, to Salisbury&#8217;s Knowledge, are, and have been, in material
          compliance with all Environmental Laws.&#160; Neither Salisbury nor any of its Subsidiaries has Knowledge of, nor has Salisbury or any of its Subsidiaries received notice of, any past, present, or future conditions, events, activities, practices or
          incidents that may interfere with or prevent the material compliance of Salisbury or Salisbury Bank with all Environmental Laws.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury and its Subsidiaries have obtained all
          material permits, licenses and authorizations that are required for its operations under all Environmental Laws.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628977"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No Hazardous Substance
          exists on, about or within any of the owned real properties, nor to Salisbury&#8217;s Knowledge have any Hazardous Substance previously existed on, about or within or been used, generated, stored, transported, disposed of, on or released from any of
          its properties.&#160; The use that Salisbury or any of its Subsidiaries makes and intends to make of any of its properties shall not result in the use, generation, storage, transportation, accumulation, disposal or release of any Hazardous Substance
          on, in or from any of those properties.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628978"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">There is no action, suit,
          proceeding, investigation, or inquiry before any court, administrative agency or other governmental authority pending or, to Salisbury&#8217;s Knowledge, threatened against Salisbury or Salisbury Bank relating in any way to any Environmental Law.&#160; None
          of Salisbury or any of its Subsidiaries has a liability for remedial action under any Environmental Law.&#160; None of Salisbury or any of its Subsidiaries has received any request for information by any governmental authority with respect to the
          condition, use or operation of any of its owned real properties or Salisbury Loan Properties nor has Salisbury or any of its Subsidiaries received any notice of any kind from any governmental authority or other person with respect to any
          violation of or claimed or potential liability of any kind under any Environmental Law with respect to any of its owned real properties or Salisbury Loan Properties.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">19</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547092"></a><a name="z_Toc256000041"></a><a name="z_Ref25628979"></a><a name="z_Toc118731566"></a><a name="z_Toc120550124"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.19</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Tax Matters</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628980"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury and its
          Subsidiaries have filed all income and other material Tax Returns that they were required to file under applicable laws and regulations, other than Tax Returns that are not yet due or for which a request for extension was filed.&#160; All such Tax
          Returns were correct and complete in all material respects and have been prepared in substantial compliance with all applicable laws and regulations.&#160; All Taxes due and owing by Salisbury <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">and its Subsidiaries</font> (whether or not shown on any Tax Return) have been paid other than Taxes that have been reserved or accrued on the balance sheet of Salisbury or such Subsidiary is contesting in good faith.&#160;
          None of Salisbury or any of its Subsidiaries is the beneficiary of any extension of time within which to file any Tax Return, and neither Salisbury nor any its Subsidiaries currently has any open tax years other than those with respect to which
          the statute of limitations has not expired.&#160; No claim has ever been made by an authority in a jurisdiction where Salisbury or any of its Subsidiaries does not file material Tax Returns that it is or may be subject to taxation by that
          jurisdiction.&#160; There are no Liens for Taxes (other than Taxes not yet due and payable) upon any of the assets of Salisbury or any Subsidiary.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628981"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of Salisbury and its
          Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with any amounts paid or owing to any employee, independent contractor, creditor, shareholder, or other third party, and has timely
          complied with all applicable information reporting requirements under Part III, Subchapter A of Chapter 61 of the Code and similar applicable state and local information reporting requirements.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628982"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No foreign, federal,
          state, or local tax audits or administrative or judicial Tax proceedings are being conducted or to the Knowledge of Salisbury are pending with respect to Salisbury or any of its Subsidiaries.&#160; None of Salisbury or any of its Subsidiaries has
          received from any foreign, federal, state, or local taxing authority (including jurisdictions where Salisbury or any Subsidiary has not filed Tax Returns) any <a name="DocXTextRef145"></a>(i)&#160; notice indicating an intent to open an audit or
          other review, (ii) request for information related to Tax matters, or (iii)&#160; notice of deficiency or proposed adjustment for any amount of Tax proposed, asserted, or assessed by any taxing authority against Salisbury or any of its Subsidiaries.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628983"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury has provided NBT
          with true and complete copies of the United States federal, state, local, and foreign income Tax Returns filed with respect to Salisbury and its Subsidiaries for taxable periods ended December 31, 2021, 2020 and <a name="DocXTextRef146"></a>2019.&#160;




          Salisbury has delivered to NBT correct and complete copies of all statements of deficiencies assessed against or agreed to by Salisbury or any of its Subsidiaries filed for the years ended December 31, 2021, 2020 and <a name="DocXTextRef147"></a>2019.&#160;




          Each of Salisbury and its Subsidiaries has timely and properly taken such actions in response to and in compliance with notices Salisbury or any Subsidiary has received from the IRS in respect of information reporting and backup and nonresident
          withholding as are required by law.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628984"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any
          of its Subsidiaries has waived any statute of limitations in respect of Taxes or agreed to any extension of time with respect to a Tax assessment or deficiency.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628985"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any
          of its Subsidiaries has been a United States real property holding corporation within the meaning of Code Section 897(c)(2) during the applicable period specified in Code Section 897(c)(1)(A)(ii).&#160; Each of Salisbury and its Subsidiaries has
          disclosed on its federal income Tax Returns all positions taken therein that could give rise to a substantial understatement of federal income Tax withing the meaning of Code Section 6662.&#160; Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef149"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.19(f)</u></font>, none of Salisbury or any of its Subsidiaries is a
          party to or bound by any Tax allocation or sharing agreement.&#160; None of Salisbury or any of its Subsidiaries <a name="DocXTextRef148"></a>(i) has been a member of any consolidated, affiliated or unitary group of corporations for any Tax purposes,
          or (ii) has any liability for the Taxes of any individual, bank, corporation, partnership, association, joint stock company, business trust, limited liability company, or unincorporated organization (other than Salisbury or such Subsidiary) under
          Reg. Section 1.1502-6 (or any similar provision of state, local, or foreign law), as a transferee or successor, by contract, or otherwise.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">20</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628986"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The unpaid Taxes of
          Salisbury and its Subsidiaries <a name="DocXTextRef150"></a>(i) did not, as of the end of the most recent period covered by Salisbury&#8217;s or any of its Subsidiary&#8217;s call reports filed on or prior to the date hereof, exceed the reserve for Tax
          liability (rather than any reserve for deferred Taxes established to reflect timing differences between book and Tax income) set forth on the face of the financial statements included in Salisbury&#8217;s or such Subsidiary&#8217;s call reports filed on or
          prior to the date hereof (rather than in any notes thereto), and (ii) do not exceed that reserve as adjusted for the passage of time through the Closing Date in accordance with the past custom and practice of Salisbury and its Subsidiaries in
          filing its Tax Returns.&#160; Since the end of the most recent period covered by Salisbury&#8217;s or its Subsidiaries&#8217; call reports filed prior to the date hereof, none of Salisbury or any of its Subsidiaries has incurred any liability for Taxes arising
          from extraordinary gains or losses, as that term is used in GAAP, outside the ordinary course of business consistent with past custom and practice.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628987"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither of Salisbury nor
          any of its Subsidiaries shall be required to include any material item of income in, or exclude any item of deduction from, taxable income for any taxable period (or portion thereof) ending after the Closing Date as a result of any: <a name="DocXTextRef151"></a>(i) change in method of accounting for a taxable period ending on or prior to the Closing Date; (ii) &#8220;closing agreement&#8221; as described in Code Section 7121 (or any corresponding or similar provision of state, local or
          foreign income Tax law) executed on or prior to the Closing Date; (iii) intercompany transactions or any excess loss account described in Treasury Regulations under Code Section 1502 (or any corresponding or similar provision of state, local or
          foreign income Tax law); (iv) installment sale or open transaction disposition made on or prior to the Closing Date; or <a name="DocXTextRef152"></a>(v) prepaid amount received on or prior to the Closing Date.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628988"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">None of Salisbury or any of its Subsidiaries has distributed stock of another Person or had its stock distributed by another Person in a transaction that was purported or intended to be
            governed in whole or in part by Section 355 or Section 361 of the Code</font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628989"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any
          of its Subsidiaries has participated in a listed transaction within the meaning of Reg. Section 1.6011-4 (or any predecessor provision) and Salisbury has not been notified of, or to Salisbury&#8217;s Knowledge has participated in, a transaction that is
          described as a &#8220;reportable transaction&#8221; within the meaning of Reg. Section 1.6011-4(b)(1).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628990"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any
          of its Subsidiaries is subject to any private letter ruling of the IRS or comparable rulings of any Governmental Authority.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628991"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">None of Salisbury or any
          of its Subsidiaries has, or to Salisbury&#8217;s Knowledge has ever had, a permanent establishment in any country other than the United States, or has not engaged in a trade or business in any country other than the United States that subjected it to
          tax in such country.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(m)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> Except as set forth on <u>Salisbury Disclosure Schedule 3.19(m)</u>, none of Salisbury or any of its Subsidiaries has deferred payroll taxes or availed itself of any of the tax deferred credits or benefits pursuant to
            the CARES Act or otherwise taken advantage of any change in applicable legal requirements in connection with the COVID-19 pandemic that has the result of temporarily reducing (or temporarily delaying the due date of) otherwise applicable
            payment obligations</font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547093"></a><a name="z_Toc256000042"></a><a name="z_Ref25628992"></a><a name="z_Toc118731567"></a><a name="z_Toc120550125"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.20</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Investment Securities</u></font>.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef155"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.20</u></font> sets forth the book and market value, as of September 30, 2022, of the investment
        securities, mortgage-backed securities and securities held for sale of Salisbury and its Subsidiaries, as well as, with respect to such securities, descriptions thereof, CUSIP numbers, book values, fair values and coupon rates.&#160; Each of Salisbury
        and its Subsidiaries has good title to all securities owned by it (except those sold under repurchase agreements or held in any fiduciary or agency capacity), free and clear of any Liens, except to the extent such securities are pledged in the
        ordinary course of business to secure obligations of Salisbury or any Subsidiary.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">21</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547094"></a><a name="z_Toc256000043"></a><a name="z_Ref25628993"></a><a name="z_Toc118731568"></a><a name="z_Toc120550126"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.21</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Derivative Transactions</u></font>.&#160; All Derivative Transactions entered into by Salisbury or
        any of its Subsidiaries were entered into in all material respects in accordance with applicable rules, regulations and policies of any Governmental Authority, and in accordance with the investment, securities, commodities, risk management and
        other policies, practices and procedures employed by Salisbury and its Subsidiaries, and were entered into with counterparties believed at the time to be financially responsible and able to understand (either alone or in consultation with their
        advisers) and to bear the risks of such Derivative Transactions.&#160; Salisbury and its Subsidiaries have duly performed all of their obligations under the Derivative Transactions to the extent that such obligations to perform have accrued, and, to the
        <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Knowledge</font> of Salisbury, there are no material breaches, violations or defaults or allegations or assertions of such by any party thereunder.&#160; Salisbury and its
        Subsidiaries have adopted policies and procedures consistent with the publications of Governmental Authorities with respect to their derivatives program.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547095"></a><a name="z_Toc256000044"></a><a name="z_Ref25628994"></a><a name="z_Toc118731569"></a><a name="z_Toc120550127"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.22</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Loans; Nonperforming and Classified Assets</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628995"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.22(a)</u></font>,&#160; as of the date hereof, none of Salisbury <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">or any of
            its Subsidiaries</font> is a party to any written or oral <a name="DocXTextRef156"></a>(i) loan, loan agreement, note or borrowing arrangement (including, without limitation, leases, credit enhancements, commitments, guarantees and
          interest-bearing assets) (collectively, &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Loans</u></font>&#8221;), under the terms of which the obligor was, as of September 30, 2022, over sixty (60) days delinquent in payment of
          principal or interest or in default of any other material provision, or (ii) Loan with any director, executive officer or five percent or greater shareholder of Salisbury or any of its Subsidiaries, or to the Knowledge of Salisbury, any person,
          corporation or enterprise controlling, controlled by or under common control with any of the foregoing.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.22(a)</u></font> identifies <a name="DocXTextRef157"></a>(x) each Loan that as of September 30, 2022 was classified as &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar
          import by Salisbury or any of its Subsidiaries or any bank examiner, together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, and <a name="DocXTextRef158"></a>(y) each
          asset of Salisbury that as of September 30, 2022 was classified as other real estate owned (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>OREO</u></font>&#8221;) and the book value thereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628996"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each Loan <a name="DocXTextRef159"></a>(i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent secured, has been secured by valid Liens which have been perfected, and
          (iii) to the Knowledge of Salisbury, is a legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and other laws of general applicability
          relating to or affecting creditors&#8217; rights and to general equity principles.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628997"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The loan documents with
          respect to each Loan were in material compliance with applicable laws and regulations and Salisbury&#8217;s or the applicable Subsidiary&#8217;s lending policies at the time of origination of such Loans and are complete and correct.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25628998"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.22(d)</u></font>, none of Salisbury or any of its Subsidiaries is a party to any agreement or arrangement with (or otherwise obligated to) any Person
          which obligates Salisbury or any of its Subsidiaries to repurchase from any such Person any Loan or other asset of Salisbury or any of its Subsidiaries.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">22</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547096"></a><a name="z_Toc256000045"></a><a name="z_Ref25628999"></a><a name="z_Toc118731570"></a><a name="z_Toc120550128"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.23</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Tangible Properties and Assets</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629000"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.23(a)</u></font> sets forth a true, correct and complete list of all real property owned by Salisbury or any of its Subsidiaries.&#160; Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.23(a)</u></font>, and except for properties and assets disposed of in the ordinary course of business or as permitted by this Agreement, Salisbury or
          the relevant Subsidiary has good title to, valid leasehold interests in or otherwise legally enforceable rights to use all of the real property, personal property and other assets (tangible or intangible), used, occupied and operated or held for
          use by it in connection with its business as presently conducted in each case, free and clear of any Lien, except for <a name="DocXTextRef160"></a>(i) statutory Liens for amounts not yet delinquent, (ii) Liens incurred in the ordinary course of
          business or imperfections of title, easements and encumbrances, if any, that, individually and in the aggregate, are not material in character, amount or extent, and do not materially detract from the value and do not materially interfere with
          the present use, occupancy or operation of any material asset, and (iii) those described and reflected in the Salisbury Financial Statements.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629001"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.23(b)</u></font> sets forth a true, correct and complete schedule of all leases, subleases, licenses and other agreements under which Salisbury or any of its Subsidiaries
          uses or occupies or has the right to use or occupy, now or in the future, real property (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Leases</u></font>&#8221;).&#160; Each of the Leases is valid, binding and in full force and
          effect and, as of the date hereof, neither Salisbury nor any of its Subsidiaries has received a written notice of, and otherwise has no Knowledge of any, default or termination with respect to any Lease.&#160; There has not occurred any event and, to
          Salisbury&#8217;s Knowledge, no condition exists that would constitute a termination event or a material breach by Salisbury or any of its Subsidiaries of, or material default by Salisbury or any of its Subsidiaries in, the performance of any covenant,
          agreement or condition contained in any Lease, and to Salisbury&#8217;s Knowledge, no lessor under a Lease is in material breach or default in the performance of any material covenant, agreement or condition contained in such Lease.&#160; Except as set
          forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.23(b)</u></font>, there is no pending or, to Salisbury&#8217;s Knowledge, threatened proceeding, action or governmental or regulatory
          investigation of any nature by any Governmental Authority with respect to the real property that Salisbury or any of its Subsidiaries uses or occupies or has the right to use or occupy, now or in the future, including without limitation a pending
          or threatened taking of any of such real property by eminent domain.&#160; Each of Salisbury and its Subsidiaries has paid all rents and other charges to the extent due under the Leases.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547097"></a><a name="z_Toc256000046"></a><a name="z_Ref25629002"></a><a name="z_Toc118731571"></a><a name="z_Toc120550129"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.24</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Intellectual Property</u></font>.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef161"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.24</u></font> sets forth a true, complete and correct list of all Salisbury Intellectual
        Property owned or purported to be owned by Salisbury.&#160; Salisbury owns or has a valid license to use all Salisbury Intellectual Property necessary to the conduct of the business of Salisbury, free and clear of all Liens, royalty or other payment
        obligations (except for royalties or payments with respect to off-the-shelf Software at standard commercial rates).&#160; Salisbury Intellectual Property constitutes all of the Intellectual Property necessary to carry on the business of Salisbury and
        its Subsidiaries as currently conducted.&#160; Salisbury Intellectual Property owned by Salisbury or any of its Subsidiaries, and to the Knowledge of Salisbury, all other Salisbury Intellectual Property, is valid and enforceable and has not been
        cancelled, forfeited, expired or abandoned, and none of Salisbury or any of its Subsidiaries has received notice challenging the validity or enforceability of Salisbury Intellectual Property.&#160; To the Knowledge of Salisbury, the conduct of the
        business of Salisbury and its Subsidiaries does not violate, misappropriate or infringe upon the Intellectual Property rights of any third party.&#160; The consummation of the transactions contemplated by this Agreement will not result in the loss or
        impairment of the right of Salisbury or any of its Subsidiaries to own or use any of the Salisbury Intellectual Property.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547098"></a><a name="z_Toc256000047"></a><a name="z_Ref25629003"></a><a name="z_Toc118731572"></a><a name="z_Toc120550130"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.25</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Fiduciary Accounts</u></font>.&#160; Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.25, </u></font>since January 1, 2020, each of Salisbury and its Subsidiaries has properly administered all accounts for which it is or was a fiduciary, including but not limited
        to accounts for which it serves or served as a trustee, agent, custodian, personal representative, guardian, conservator or investment advisor, in accordance with the terms of the governing documents and applicable laws and regulations. Neither
        Salisbury nor any of its Subsidiaries nor any of their respective directors, officers or employees, has committed any breach of trust with respect to any fiduciary account and the records for each such fiduciary account are true and correct and
        accurately reflect the assets of such fiduciary account.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">23</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547099"></a><a name="z_Toc256000048"></a><a name="z_Ref25629004"></a><a name="z_Toc118731573"></a><a name="z_Toc120550131"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.26</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Insurance</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629005"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.26(a)</u></font> identifies all of the material insurance policies, binders, or bonds currently maintained by Salisbury or any of its Subsidiaries, other than credit-life
          policies (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Insurance Policies</u></font>&#8221;), including the insurer, policy numbers, amount of coverage, effective and termination dates and any pending claims thereunder.&#160; Each
          of Salisbury and its Subsidiaries is insured, and during each of the past three (3) calendar years has been insured against such risks and in such amounts as the management of Salisbury reasonably has determined to be prudent in accordance with
          industry practices and has maintained all insurance required by applicable laws and regulations.&#160; All the Insurance Policies are in full force and effect, none of Salisbury or any of its Subsidiaries is in material default thereunder and all
          claims thereunder have been filed in due and timely fashion.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629006"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.26(b)</u></font> sets forth a true, correct and complete description of all bank-owned life insurance (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>BOLI</u></font>&#8221;)




          owned by Salisbury or any of its Subsidiaries, including the value of BOLI as of the end of the most recent month for which a statement is available prior to the date hereof.&#160; The value of such BOLI as of the date hereof is fairly and accurately
          reflected in the Salisbury Financial Statements in accordance with GAAP.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547100"></a><a name="z_Toc256000049"></a><a name="z_Ref25629007"></a><a name="z_Ref25629458"></a><a name="z_Toc118731574"></a><a name="z_Toc120550132"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.27</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Antitakeover Provisions</u></font>.&#160; No &#8220;control share
        acquisition,&#8221; &#8220;business combination moratorium,&#8221; &#8220;fair price&#8221; or other form of antitakeover statute or regulation is applicable to this Agreement and the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547101"></a><a name="z_Toc256000050"></a><a name="z_Ref25629008"></a><a name="z_Toc118731575"></a><a name="z_Toc120550133"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.28</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Fairness Opinion</u></font>.&#160; The Salisbury Board has received the written opinion of Janney
        Montgomery Scott LLC to the effect that, as of the date hereof, the Merger Consideration is fair to the holders of Salisbury Stock from a financial point of view.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547102"></a><a name="z_Toc256000051"></a><a name="z_Ref25629009"></a><a name="z_Toc118731576"></a><a name="z_Toc120550134"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.29</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Proxy Statement/Prospectus</u></font>.&#160; As of the date of the Proxy Statement/Prospectus and
        the date of the meeting of the shareholders of Salisbury to which such Proxy Statement/Prospectus relates, the Proxy Statement/Prospectus will not contain any untrue statement of a material fact or omit to state a material fact necessary to make
        the statements therein, in light of the circumstances under which they were made, not misleading, provided that information as of a later date shall be deemed to modify information as of an earlier date, and further provided that no representation
        and warranty is made with respect to information relating to NBT and its Subsidiaries included in the Proxy Statement/Prospectus.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc24547103"></a><a name="z_Toc256000052"></a><a name="z_Ref25629010"></a><a name="z_Toc118731577"></a><a name="z_Toc120550135"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.30</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>CRA, Anti-money Laundering and Customer Information Security</u></font>.&#160; Neither Salisbury
        nor Salisbury Bank is a party to any agreement with any individual or group regarding CRA matters and neither Salisbury nor Salisbury Bank has any Knowledge of, nor has Salisbury or Salisbury Bank been advised of or has any reason to believe that
        any facts or circumstances exist, which would cause Salisbury or Salisbury Bank: <a name="DocXTextRef164"></a>(a) to be deemed not to be in satisfactory compliance with the CRA, and the regulations promulgated thereunder, or to be assigned a
        rating for CRA purposes by Bank Regulators of lower than &#8220;satisfactory&#8221;; <a name="DocXTextRef165"></a>(b) to be deemed to be operating in violation of the federal Bank Secrecy Act, as amended, and its implementing regulations (31 C.F.R. Chapter
        X), the USA PATRIOT Act, and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other applicable anti-money laundering
        statute, rule or regulation; or <a name="DocXTextRef166"></a>(c) to be deemed not to be in satisfactory compliance with the applicable requirements contained in any federal and state privacy or data security laws and regulations, including,
        without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by Salisbury pursuant to <a name="DocXTextRef169"></a>12 C.F.R. Part
        <a name="DocXTextRef163"></a>208, Subpart <a name="DocXTextRef162"></a>J, <a name="DocXTextRef168"></a>Appendix D.&#160; Furthermore, the Salisbury Board has adopted, and Salisbury has implemented an anti-money laundering program that contains
        adequate and appropriate customer identification verification procedures that has not been deemed ineffective by any Governmental Authority and that meets the requirements of <a name="DocXTextRef167"></a>Sections 352 and <a name="DocXTextRef170"></a>326



        and all other applicable provisions of the USA PATRIOT Act and the regulations thereunder.&#160; </div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">24</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc24547104"></a><a name="z_Toc256000053"></a><a name="z_Ref25629011"></a><a name="z_Toc118731578"></a><a name="z_Toc120550136"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.31</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Transactions with Affiliates</u></font>.&#160; Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 3.31</u></font>, there are no outstanding amounts payable to or receivable from, or advances by Salisbury or any of its Subsidiaries to, and neither Salisbury nor any of its
        Subsidiaries is otherwise a creditor or debtor to, any shareholder owning five percent (5%) or more of the outstanding Salisbury Stock, director, employee or Affiliate of Salisbury or any of its Subsidiaries, other than as part of the normal and
        customary terms of such persons&#8217; employment or service as a director with Salisbury or any of its Subsidiaries or other than in the ordinary course of Salisbury Bank&#8217;s business.&#160; All transactions, agreements and relationships between Salisbury and
        any Subsidiary and any Affiliates, shareholders, directors or officers of Salisbury and any Subsidiary comply, to the extent applicable, with Regulation W and Regulation O of the FRB.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547105"></a><a name="z_Toc256000054"></a><a name="z_Ref25629012"></a><a name="z_Toc118731579"></a><a name="z_Toc120550137"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 3.32</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Disclosure</u></font>.&#160; The representations and warranties contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font>, when considered as a whole, do not contain any untrue statement of a material fact or omit to state any material fact necessary in order to make
        the statements and information contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font> not misleading.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE IV</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530085782"></a><a name="z_Ref530085807"></a><a name="z_Ref530085912"></a><a name="z_Ref530086197"></a><a name="z_Toc24547106"></a><a name="z_Toc256000055"></a><a name="z_Toc118731580"></a><a name="z_Toc120550138"></a>REPRESENTATIONS AND WARRANTIES OF NBT AND NBT BANK</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk113225373"></a><a name="z_Hlk108634687"></a>As a material inducement to Salisbury to enter into this Agreement and to consummate the
        transactions contemplated hereby, NBT and NBT Bank hereby make to Salisbury and Salisbury Bank the representations and warranties contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article IV</u></font>,
        <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>however</u></font>, that NBT shall not be deemed to have breached a representation or warranty
        as a consequence of the existence of any fact, event or circumstance unless such fact, circumstance or event, individually or taken together with all other facts, events or circumstances inconsistent with any representation or warranty contained in
        this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article IV</u></font>, has had or is reasonably likely to have, a Material Adverse Effect (disregarding for purposes of this proviso any materiality or Material
        Adverse Effect qualification or exception contained in any representation or warranty). Notwithstanding the immediately preceding sentence, the representations and warranties contained in <a name="DocXTextRef181"></a>(x) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 4.04</u></font> shall be deemed untrue and incorrect if not true and correct except to a de minimis extent, <a name="DocXTextRef182"></a>(y) <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 4.02</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>4.05</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>4.06</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>4.07</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>4.13(a)</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>4.14</u></font>,
        and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>4.21</u></font> shall be deemed untrue and incorrect if not true and correct in all material respects and <a name="DocXTextRef184"></a>(z) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 4.09</u></font> shall be deemed untrue and incorrect if not true and correct in all respects.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547107"></a><a name="z_Toc256000056"></a><a name="z_Ref25629013"></a><a name="z_Toc118731581"></a><a name="z_Toc120550139"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Making of Representations and Warranties</u></font>.&#160; Except as set forth in the NBT
        Disclosure Schedule and the NBT SEC Documents, NBT hereby represents and warrants to Salisbury that the statements contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article IV</u></font> are
        correct as of the date of this Agreement and will be correct as of the Closing Date, except as to any representation or warranty which specifically relates to an earlier date, which only need be correct as of such earlier date.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc24547108"></a><a name="z_Toc256000057"></a><a name="z_Ref25629014"></a><a name="z_Ref25830747"></a><a name="z_Toc118731582"></a><a name="z_Toc120550140"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Organization, Standing and Authority of NBT</u></font>. NBT is
        a Delaware corporation duly organized, validly existing and in good standing under the laws of the State of Delaware and is duly registered as a financial holding company under the BHC Act.&#160; NBT is duly licensed or qualified to do business in the
        States of the United States and foreign jurisdictions where its ownership or leasing of property or the conduct of its business requires such qualification except as would not, either individually or in the aggregate, reasonably be expected to have
        a Material Adverse Effect on NBT.&#160; The <font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">charter</font> and bylaws of NBT, copies of which have been made available to Salisbury, are true, complete and correct copies
        of such documents as in full force and effect as of the date of this Agreement.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">25</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547109"></a><a name="z_Toc256000058"></a><a name="z_Ref25629015"></a><a name="z_Toc118731583"></a><a name="z_Toc120550141"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Organization, Standing and Authority of NBT Bank</u></font>.&#160; NBT Bank is a
        federally-chartered national bank duly organized, validly existing and in good standing under the laws of the United States.&#160; NBT Bank&#8217;s deposits are insured by the FDIC in the manner and to the fullest extent provided by applicable law, and all
        premiums and assessments required to be paid in connection therewith have been paid by NBT Bank when due. NBT Bank&#8217;s primary federal bank regulator is the OCC. NBT Bank is a member in good standing of the FHLBNY and, as of September 30, 2022, owns
        the requisite amount of stock of the FHLBNY as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef190"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule




            4.03</u></font>.&#160; The charter and bylaws of NBT Bank, copies of which have been made available to Salisbury, are true, complete and correct copies of such documents as in full force and effect as of the date of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547110"></a><a name="z_Toc256000059"></a><a name="z_Ref25629016"></a><a name="z_Toc118731584"></a><a name="z_Toc120550142"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>NBT Capital Stock</u></font>.&#160; The authorized capital stock of NBT consists of 100,000,000
        shares of NBT Stock, of which <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">49,651,493</font> shares are issued and 42,857,595 shares are outstanding as of the date hereof, and 2,500,000 shares of preferred stock,
        par value $0.01 per share, of which no shares are outstanding as of the date hereof.&#160; As of the date hereof, 6,793,898 shares of NBT Stock are held in treasury by NBT.&#160; The outstanding shares of NBT Stock have been duly authorized and validly
        issued and are fully paid and non-assessable.&#160; Except for the NBT Stock to be issued pursuant to this Agreement and outstanding equity awards issued under any NBT Benefit Plan, NBT does not have any Rights issued or outstanding with respect to NBT
        Stock and NBT does not have any commitments to authorize, issue or sell any NBT Stock or Rights.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547111"></a><a name="z_Toc256000060"></a><a name="z_Ref25629017"></a><a name="z_Toc118731585"></a><a name="z_Toc120550143"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Subsidiaries</u></font>.&#160; Except as set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef193"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 4.05</u></font>, NBT does not, directly or indirectly, own or control any Affiliate.&#160; Except
        as disclosed on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef194"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 4.05</u></font>, NBT does not have
        any equity interest, direct or indirect, in any other bank or corporation or in any partnership, joint venture or other business enterprise or entity, except as acquired through settlement of indebtedness, foreclosure, the exercise of creditors&#8217;
        remedies or in a fiduciary capacity, and the business carried on by NBT has not been conducted through any other direct or indirect Subsidiary or Affiliate of NBT.&#160; No such equity investment identified in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef195"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 4.05</u></font> is prohibited by the applicable federal or state laws and regulations.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547112"></a><a name="z_Toc256000061"></a><a name="z_Ref25629018"></a><a name="z_Toc118731586"></a><a name="z_Toc120550144"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Corporate Power; Minute Books</u></font>.&#160; Each of NBT and NBT Bank has the corporate or other
        power and authority to carry on its business as it is now being conducted and to own all its properties and assets; and each of NBT and NBT Bank has the corporate or other power and authority to execute, deliver and perform its obligations under
        this Agreement and to consummate the transactions contemplated hereby, subject to receipt of all necessary approvals of Governmental Authorities.&#160; The minute books of NBT contain true, complete and accurate records, in all material respects, of all
        meetings and other corporate actions held or taken by shareholders of NBT and the NBT Board (including committees of the NBT Board). The minute books of NBT Bank contain true, complete and accurate records, in all material respects, of all meetings
        and other corporate actions held or taken by shareholders of NBT Bank and the NBT Bank Board (including committees of the NBT Bank Board).</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547113"></a><a name="z_Toc256000062"></a><a name="z_Ref25629019"></a><a name="z_Toc118731587"></a><a name="z_Toc120550145"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Execution and Delivery</u></font>.&#160; This Agreement and the transactions contemplated hereby
        have been authorized by all necessary corporate action of NBT and NBT Bank and each of their respective Boards of Directors on or prior to the date hereof.&#160; No vote of the shareholders of NBT is required by law, the charter and bylaws of NBT or
        otherwise to approve this Agreement, or issue shares of NBT and the transactions contemplated hereby. Each of NBT and NBT Bank has duly executed and delivered this Agreement and, assuming due authorization, execution and delivery by Salisbury and
        Salisbury Bank, this Agreement is a valid and legally binding obligation of each of NBT and NBT Bank, enforceable in accordance with its terms (except as enforceability may be limited by applicable bankruptcy, insolvency, reorganization,
        moratorium, fraudulent transfer and similar laws of general applicability relating to or affecting creditors&#8217; rights or by general equity principles).</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">26</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083432"></a><a name="z_Toc24547114"></a><a name="z_Toc256000063"></a><a name="z_Toc118731588"></a><a name="z_Toc120550146"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Regulatory Approvals; No Defaults</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629020"></a><a name="z_Hlk113229456"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No consents or approvals of, or waivers by, or filings or registrations with, any Governmental Authority or with any third party are required to be made or obtained by NBT or any of its Subsidiaries in connection with the execution,
          delivery or performance by NBT or NBT Bank of this Agreement or to consummate the transactions contemplated hereby, except for filings of applications, notices or waiver requests, and consents, approvals or waivers described in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 4.08</u></font>.&#160; As of the date hereof, NBT has no Knowledge of any reason why the approvals set forth above and referred to in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.01(a)</u></font> will not be received in a timely manner.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to the receipt of all consents, approvals,
          waivers or non-objections of a Governmental Authority required to consummate the transactions contemplated by this Agreement, including, without limitation, (1) approvals, waivers or non-objections of each of the FRB, the OCC and the CTDOB, as
          required (&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>&#8221;), (2) the required filings under federal and state securities laws, (3) <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">the declaration of effectiveness of the Merger Registration Statement by the SEC, and (4) approval of the listing of </font>NBT <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Stock to be issued
            in connection with the Merger on NASDAQ, </font>the execution, delivery and performance of this Agreement and the consummation of the transactions contemplated hereby (including, without limitation, the Merger) by NBT and NBT Bank do not and
          will not <a name="DocXTextRef196"></a>(i) constitute a breach or violation of, or a default under, result in a right of termination, or the acceleration of any right or obligation under, any law, rule or regulation or any judgment, decree,
          order, permit, license, credit agreement, indenture, loan, note, bond, mortgage, reciprocal easement agreement, lease, instrument, concession, franchise or other agreement of NBT or of any of its Subsidiaries or to which NBT or any of its
          Subsidiaries, properties or assets is subject or bound, (ii) constitute a breach or violation of, or a default under, the charter or bylaws or other organizational documents of NBT or NBT Bank, or (iii) require the consent or approval of any
          third party or Governmental Authority under any such law, rule, regulation, judgment, decree, order, permit, license, credit agreement, indenture, loan, note, bond, mortgage, reciprocal easement agreement, lease, instrument, concession, franchise
          or other agreement, except, in the case of clauses (i) and (iii), for such violations, conflicts, breaches or defaults which, either individually or in the aggregate, would not reasonably be expected to have a Material Adverse Effect on NBT or
          NBT Bank.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629021"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">As of the date of this
          Agreement, NBT has no Knowledge of any reasons relating to NBT or NBT Bank (including, without limitation, compliance with the CRA or the USA PATRIOT Act) why any of the Regulatory Approvals shall not be received from the applicable Governmental
          Authorities having jurisdiction over the transactions contemplated by this Agreement.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547115"></a><a name="z_Toc256000064"></a><a name="z_Ref25629022"></a><a name="z_Toc118731589"></a><a name="z_Toc120550147"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Absence of Certain Changes or Events</u></font>.&#160; Since December 31, 2021, there has been no
        change or development or combination of changes or developments which, individually or in the aggregate, has had or is reasonably likely to have a Material Adverse Effect on NBT and its Subsidiaries taken as a whole.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">27</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Toc24547116"></a><a name="z_Toc256000065"></a><a name="z_Ref25629023"></a><a name="z_Toc118731590"></a><a name="z_Toc120550148"></a></div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>SEC Documents; Financial Statements; and
            Financial Controls and Procedures</u>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Hlk113232171"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">NBT&#8217;s Annual Report on Form 10-K, as amended through the date of this Agreement, for the fiscal year ended December 31, 2021 (the &#8220;<u>NBT 2021 Form 10-K</u>&#8221;), and all other reports,
            registration statements, definitive proxy statements or information statements required to be filed or furnished by NBT or any of its Subsidiaries subsequent to January 1, 2022, under the Securities Act, or under Sections 13(a), 13(c), 14 and
            15(d) of the Exchange Act (collectively, the &#8220;<u>NBT SEC Documents</u>&#8221;), with the SEC, and all of the NBT SEC Documents filed with the SEC after the date of this Agreement, in the form filed or to be filed, (i) complied or will comply as to
            form in all material respects with the applicable requirements under the Securities Act or the Exchange Act, as the case may be, and (ii) did not and will not contain any untrue statement of a material fact or omit to state a material fact
            required to be stated therein or necessary to make the statements made therein, in light of the circumstances under which they were made, not misleading; and each of the balance sheets contained in or incorporated by reference into any such NBT
            SEC Document (including the related notes and schedules thereto) fairly presents and will fairly present the financial position of the entity or entities to which such balance sheet relates as of its date, and each of the statements of income
            and changes in stockholders&#8217; equity and cash flows or equivalent statements in such NBT SEC Documents (including any related notes and schedules thereto) fairly presents and will fairly present the results of operations, changes in
            stockholders&#8217; equity and changes in cash flows, as the case may be, of the entity or entities to which such statement relates for the periods to which it relates, in each case in accordance with GAAP consistently applied during the periods
            involved, except in each case as may be noted therein, subject to normal year-end audit adjustments in the case of unaudited financial statements. Except for those liabilities that are fully reflected or reserved against in the most recent
            audited consolidated balance sheet of NBT and its Subsidiaries contained in the NBT 2021 Form 10-K and, except for liabilities reflected in NBT SEC Documents filed prior to the date of this Agreement or incurred in the ordinary course of
            business consistent with past practices or in connection with this Agreement, since December 31, 2021, neither NBT nor any of its Subsidiaries has any liabilities or obligations of any nature (whether accrued, absolute, contingent or otherwise)
            required by GAAP to be set forth on its consolidated balance sheet or in the notes thereto. The books and records of NBT have been, and are being, maintained in accordance with GAAP and any other applicable legal and accounting requirements and
            reflect only actual transactions. KPMG LLP has not resigned or been dismissed as independent public accountants of NBT as a result of or in connection with any disagreements with NBT on a matter of accounting principles or practices, financial
            statement disclosure or auditing scope or procedure</font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">NBT and each of its Subsidiaries, officers and directors are in compliance with, and have complied in all material respects, with (1) the applicable provisions of Sarbanes-Oxley and the related rules and regulations
            promulgated under such act and the Exchange Act, and (2) the applicable listing and corporate governance rules and regulations of NASDAQ.&#160; NBT (i) has established and maintained disclosure controls and procedures and internal control over
            financial reporting (as such terms are defined in paragraphs (e) and (f), respectively, of Rule 13a-15 under the Exchange Act) as required by Rule 13a-15 under the Exchange Act, and (ii) has disclosed based on its most recent evaluations, to
            its outside auditors and the audit committee of the NBT Board (A) all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting (as defined in Rule 13a-15(f) of the Exchange Act)
            which are reasonably likely to adversely affect NBT&#8217;s ability to record, process, summarize and report financial data and, (B) any fraud, whether or not material, that involves management or other employees who have a significant role in NBT&#8217;s
            internal control over financial reporting</font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547117"></a><a name="z_Toc256000066"></a><a name="z_Ref25629027"></a><a name="z_Toc118731591"></a><a name="z_Toc120550149"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Regulatory Matters</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629028"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of NBT and NBT Bank
          has timely filed all reports, registrations and statements, together with any amendments required to be made with respect thereto, that it was required to file since January 1, 2020 with any Governmental Authority and has paid all fees and
          assessments due and payable in connection therewith.&#160; Except for normal examinations conducted by any Governmental Authority in the regular course of the business of NBT and/or NBT Bank, no Governmental Authority has initiated any proceeding, or
          to the Knowledge of NBT, investigation into the business or operations of NBT and/or NBT Bank, since January 1, 2020.&#160; There is no unresolved violation or matter requiring attention by any Governmental Authority with respect to any report or
          statement relating to any examinations of NBT Bank. Each of NBT and NBT Bank is &#8220;well-capitalized&#8221; as defined in applicable laws and regulations, and NBT Bank has a Community Reinvestment Act rating of &#8220;satisfactory&#8221; or better.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">28</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629030"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in
          <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure Schedule 4.11</u></font>, since January 1, 2020, NBT has timely filed with the SEC and NASDAQ all documents required by the Securities Act and the Exchange Act and
          such documents, as the same may have been amended, complied, at the time filed with the SEC, in all material respects with the Securities Act and the Exchange Act.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither NBT, NBT Bank nor any of their respective
          properties is a party to or is subject to any Regulatory Order from any Governmental Authority charged with the supervision or regulation of financial institutions or issuers of securities or institutions engaged in the insurance of deposits
          (including, without limitation, the OCC and the FRB) or the supervision or regulation of it.&#160; Neither NBT nor NBT Bank has been advised by, or has any Knowledge of facts which could give rise to an advisory notice by, any Governmental Authority
          that such Governmental Authority is contemplating issuing or requesting (or is considering the appropriateness of issuing or requesting) any Regulatory Order.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 4.11</u></font> is subject to the limitations
          of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547118"></a><a name="z_Toc256000067"></a><a name="z_Ref25629031"></a><a name="z_Toc118731592"></a><a name="z_Toc120550150"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Legal Proceedings</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629032"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Other than as set forth in
          <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure </u></font><a name="DocXTextRef215"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 4.12</u></font>, (i) there are no pending or, to
          the Knowledge of NBT, threatened legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against NBT and (ii) to NBT&#8217;s Knowledge, there are no facts which would reasonably be expected to
          give rise to such litigation, claim, suit, investigation or other proceeding.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629033"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither NBT nor NBT Bank
          is a party to any, nor are there any pending or, to NBT&#8217;s Knowledge, threatened, legal, administrative, arbitral or other proceedings, claims, actions or governmental or regulatory investigations against NBT or NBT Bank in which, to the Knowledge
          of NBT, there is a reasonable probability of any material recovery against or other Material Adverse Effect on NBT or any of its Subsidiaries or which challenges the validity or propriety of the transactions contemplated by this Agreement.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629034"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">There is no injunction,
          order, judgment or decree imposed upon NBT or any of its Subsidiaries, nor on any of the assets of NBT or any of its Subsidiaries, and, to NBT&#8217;s Knowledge, no such action has been threatened against NBT of any of its Subsidiaries.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither NBT nor NBT Bank has been advised by a
          Governmental Authority that it will issue, or has Knowledge of any facts which would reasonably be expected to give rise to the issuance by any Governmental Authority or has Knowledge that such Governmental Authority is contemplating issuing or
          requesting (or is considering the appropriateness of issuing or requesting), any such order, decree, agreement, board resolution, memorandum of understanding, supervisory letter, commitment letter, condition or similar submission.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 4.12</u></font> is subject to the limitations
          of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">29</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547119"></a><a name="z_Toc256000068"></a><a name="z_Ref25629035"></a><a name="z_Toc118731593"></a><a name="z_Toc120550151"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.13</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Compliance With Laws</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629036"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of NBT and its
          Subsidiaries is in compliance in all material respects with all applicable federal, state, local and foreign statutes, laws, regulations, ordinances, rules, judgments, orders or decrees applicable thereto or to the employees conducting such
          businesses, including, without limitation, the Investment Company Act of 1940, as amended, the Equal Credit Opportunity Act, as amended, the Fair Housing Act, as amended, the Community Reinvestment Act, the Home Mortgage Disclosure Act, the Bank
          Secrecy Act of 1970, as amended, the USA PATRIOT Act, and all other applicable fair lending and fair housing laws or other laws relating to discrimination;</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629037"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of NBT and its
          Subsidiaries has all permits, licenses, authorizations, orders and approvals of, and has made all filings, applications and registrations with, all Governmental Authorities that are required in order to permit it to own or lease its properties
          and to conduct its business as presently conducted except where the failure to hold such permits, licensees, authorizations, orders or approvals, or the failure to make such filings, applications or registrations would not, individually or in the
          aggregate, reasonably be expected to have a Material Adverse Effect on NBT and its Subsidiaries; all such permits, licenses, certificates of authority, orders and approvals are in full force and effect and, to NBT&#8217;s Knowledge, no suspension or
          cancellation of any of them is threatened; and</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629038"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither NBT nor its
          Subsidiaries has received, since January 1, 2020, notification or communication from any Governmental Authority <a name="DocXTextRef216"></a>(i) asserting that it is not in material compliance with any of the statutes, regulations or ordinances
          which such Governmental Authority enforces, or (ii) threatening to revoke any license, franchise, permit or governmental authorization (nor, to NBT&#8217;s Knowledge, do any grounds for any of the foregoing exist).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629039"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Since January 1, 2020, NBT
          has conducted any finance activities (including, without limitation, mortgage banking and mortgage lending activities and consumer finance activities) in all material respects in compliance with all applicable statutes and regulations regulating
          the business of consumer lending, including, without limitation, the Finance Laws, and with all applicable origination, servicing and collection practices with respect to any loan or credit extension by such entity.&#160; In addition, there is no
          pending or, to the Knowledge of NBT, threatened charge by any Governmental Authority that NBT has violated, nor any pending or, to NBT&#8217;s Knowledge, threatened investigation by any Governmental Authority with respect to possible violations of, any
          applicable Finance Laws.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font>, the parties acknowledge that this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 4.13</u></font> is subject to the limitations
          of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 8.10(b)</u></font> hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc24547120"></a><a name="z_Toc256000069"></a><a name="z_Ref25629040"></a><a name="z_Toc118731594"></a><a name="z_Toc120550152"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Brokers</u></font>.&#160; Neither NBT nor any of its Subsidiaries nor any of their respective
        officers or directors has employed any broker or finder or incurred any liability for any broker&#8217;s fees, commissions or finder&#8217;s fees in connection with any of the transactions contemplated by this Agreement, except that NBT has engaged, and will
        pay a financial analysis fee to, Piper Sandler &amp; Co.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629041"></a><a name="z_Toc118731595"></a><a name="z_Toc120550153"></a><a name="z_Toc24547121"></a><a name="z_Toc256000070"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.15</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Employee Benefit Plans.</u></font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629042"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">All benefit and compensation plans, contracts, policies or arrangements maintained, sponsored or contributed to by NBT or any of its Subsidiaries covering current or former employees of NBT
            or any of its Subsidiaries and current or former directors of NBT or any of its Subsidiaries (collectively, the &#8220;<u>NBT Benefit Plans</u>&#8221;) are in compliance with all applicable laws, including ERISA and the Code, in all material respects</font>.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">30</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629043"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each NBT Benefit Plan
          which is an &#8220;employee pension benefit plan&#8221; within the meaning of Section 3(2) of ERISA (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Pension Plan</u></font>&#8221;) and which is intended to be qualified under <a name="DocXTextRef217"></a>Section 401(a) of the Code, has received a favorable determination (or, if applicable, opinion or advisory) letter from the IRS, and to the Knowledge of NBT, there are no circumstances likely to result in revocation of
          any such favorable determination (or, if applicable, opinion or advisory) letter or the loss of the qualification of such NBT Pension Plan under <a name="DocXTextRef218"></a>Section 401(a) of the Code.&#160; There is no pending or, to NBT&#8217;s
          Knowledge, threatened claim, action, suit, litigation, proceeding, arbitration, mediation, investigation or audit relating to the NBT Benefit Plans (other than routine claims for benefits in the normal course).&#160; NBT has not engaged in a
          transaction with respect to any NBT Benefit Plan or NBT Pension Plan that, assuming the taxable period of such transaction expired as of the date hereof, could subject NBT to a material tax or penalty imposed by either Section 4975 of the Code or
          <a name="DocXTextRef219"></a>Section 502(i) of ERISA.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629044"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Neither NBT nor any entity
          which is considered to be one employer with NBT under Section 4001 of ERISA or Section 414 of the Code maintains, sponsors, participates in or contributes to (or has any obligation to contribute to), or has ever maintained, sponsored,
          participated in or contributed to (or had any obligation to contribute to), or has or is reasonably expected to have any direct or indirect liability with respect to any plan subject to Title IV of ERISA, including any &#8220;multiemployer plan,&#8221; as
          defined in Section 3(37) of ERISA.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Ref25629047"></a><a name="z_Toc118731596"></a><a name="z_Toc120550154"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section



          4.16</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Labor Matters</u></font>.&#160; None of NBT or any of its Subsidiaries is a party to or bound by any collective bargaining agreement, contract or other agreement or
        understanding with a labor union or labor organization, nor is NBT or any of its Subsidiaries the subject of a proceeding asserting that it has committed an unfair labor practice (within the meaning of the National Labor Relations Act, as amended)
        or seeking to compel NBT or any of its Subsidiaries to bargain with any labor organization as to wages or conditions of employment, nor is there any strike or other labor dispute involving it pending or, to NBT&#8217;s Knowledge, threatened, nor is NBT
        or any of its Subsidiaries aware of any activity involving its employees seeking to certify a collective bargaining unit or engaging in other organizational activity.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref25629053"></a><a name="z_Toc118731597"></a><a name="z_Toc120550155"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section




          4.17</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Tax Matters</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629054"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">NBT and its Subsidiaries
          have filed all income and other material Tax Returns that it was required to file under applicable laws and regulations, other than Tax Returns that are not yet due or for which a request for extension was filed.&#160; All such Tax Returns were
          correct and complete in all material respects and have been prepared in substantial compliance with all applicable laws and regulations.&#160; All Taxes due and owing by NBT (whether or not shown on any Tax Return) have been paid other than Taxes that
          have been reserved or accrued on the balance sheet of NBT and which NBT is contesting in good faith.&#160; NBT is not the beneficiary of any extension of time within which to file any Tax Return, and neither NBT nor any of its Subsidiaries currently
          has any open tax years other than those with respect to which the statute of limitations has not expired.&#160; No claim has ever been made by an authority in a jurisdiction where NBT does not file Tax Returns that it is or may be subject to taxation
          by that jurisdiction.&#160; There are no Liens for Taxes (other than Taxes not yet due and payable) upon any of the assets of NBT.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629055"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each of NBT and its
          Subsidiaries has withheld and paid all material Taxes required to have been withheld and paid in connection with any amounts paid or owing to any employee, independent contractor, creditor, shareholder, or other third party, and has timely
          complied with all applicable information reporting requirements under Part III, Subchapter A of Chapter 61 of the Code and similar applicable state and local information reporting requirements.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">31</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629056"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">No foreign, federal,
          state, or local tax audits or administrative or judicial Tax proceedings are being conducted or to the Knowledge of NBT are pending with respect to NBT.&#160; NBT has not received from any foreign, federal, state, or local taxing authority (including
          jurisdictions where NBT has not filed Tax Returns) any <a name="DocXTextRef226"></a>(i) notice indicating an intent to open an audit or other review, (ii) request for information related to Tax matters, or (iii) notice of deficiency or proposed
          adjustment for any amount of Tax proposed, asserted, or assessed by any taxing authority against NBT.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629058"></a><a name="z_Toc118731598"></a><a name="z_Toc120550156"></a><a name="z_Toc24547122"></a><a name="z_Toc256000071"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.18</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Loans; Nonperforming Assets</u></font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629059"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Except as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure Schedule 4.18(a)</u></font>, as of the date hereof, none of NBT <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">or any of its
            Subsidiaries</font> is a party to any written or oral <a name="DocXTextRef227"></a>(i) Loan under the terms of which the obligor was, as of September 30, 2022, over sixty (60) days delinquent in payment of principal or interest or in default
          of any other material provision, or (ii) Loan with any director, executive officer or five percent or greater shareholder of NBT or any of its Subsidiaries, or to the Knowledge of NBT, any person, corporation or enterprise controlling, controlled
          by or under common control with any of the foregoing.&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure Schedule 4.18(a)</u></font> identifies <a name="DocXTextRef228"></a>(x) each Loan that as of September 30,
          2022 was classified as &#8220;Special Mention,&#8221; &#8220;Substandard,&#8221; &#8220;Doubtful,&#8221; &#8220;Loss,&#8221; &#8220;Classified,&#8221; &#8220;Criticized,&#8221; &#8220;Credit Risk Assets,&#8221; &#8220;Concerned Loans,&#8221; &#8220;Watch List&#8221; or words of similar import by NBT or any of its Subsidiaries or any bank examiner,
          together with the principal amount of and accrued and unpaid interest on each such Loan and the identity of the borrower thereunder, and <a name="DocXTextRef229"></a>(y) each asset of NBT that as of June 30, 2022 was classified as OREO and the
          book value thereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629060"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Each Loan <a name="DocXTextRef230"></a>(i) is evidenced by notes, agreements or other evidences of indebtedness that are true, genuine and what they purport to be, (ii) to the extent secured, has been secured by valid Liens which have been perfected and
          (iii) to the Knowledge of NBT, is a legal, valid and binding obligation of the obligor named therein, enforceable in accordance with its terms, subject to bankruptcy, insolvency, fraudulent conveyance and other laws of general applicability
          relating to or affecting creditors&#8217; rights and to general equity principles.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629061"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The loan documents with
          respect to each Loan were in material compliance with applicable laws and regulations and NBT&#8217;s or the applicable Subsidiary&#8217;s lending policies at the time of origination of such Loans and are complete and correct.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref25629062"></a><a name="z_Toc118731599"></a><a name="z_Toc120550157"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section




          4.19</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Deposit Insurance</u></font>.&#160; The deposits of NBT Bank are insured by the FDIC in accordance with the Federal Deposit Insurance Act to the fullest extent
        permitted by law, and NBT Bank has paid all premiums and assessments and filed all reports required by the Federal Deposit Insurance Act.&#160; No proceedings for the revocation or termination of such deposit insurance are pending or, to the Knowledge
        of NBT, threatened.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547123"></a><a name="z_Toc256000072"></a><a name="z_Ref25629063"></a><a name="z_Toc118731600"></a><a name="z_Toc120550158"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.20</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>NBT Stock</u></font>.&#160; The shares of NBT Stock to be issued pursuant to this Agreement, when
        issued in accordance with the terms of this Agreement, will be duly authorized, validly issued, fully paid and non-assessable and subject to no preemptive rights.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Ref25629064"></a><a name="z_Toc118731601"></a><a name="z_Toc120550159"></a><a name="z_Toc24547124"></a><a name="z_Toc256000073"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.21</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Antitakeover Provisions</u></font>.&#160; No &#8220;control share acquisition,&#8221; &#8220;business combination
        moratorium,&#8221; &#8220;fair price&#8221; or other form of antitakeover statute or regulation is applicable to this Agreement and the transactions contemplated hereby.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Ref25629065"></a><a name="z_Toc118731602"></a><a name="z_Toc120550160"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section



          4.22</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Proxy Statement/Prospectus</u></font>.&#160; As of the date of the Proxy Statement/Prospectus, the Proxy Statement/Prospectus will not contain any untrue statement
        of a material fact or omit to state a material fact necessary to make the statements therein, in light of the circumstances under which they were made, not misleading, provided that information as of a later date shall be deemed to modify
        information as of an earlier date, and further provided that no representation and warranty is made with respect to information relating to Salisbury and its Subsidiaries included in the Proxy Statement/Prospectus.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">32</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc57988019"></a><a name="z_Toc57988020"></a><a name="z_Toc118731603"></a><a name="z_Toc120550161"></a><a name="z_Toc24547125"></a><a name="z_Toc256000074"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.23</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Disclosure</u></font>.&#160; The representations and warranties
        contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article IV</u></font>, when considered as a whole, do not contain any untrue statement of a material fact or omit to state any material fact necessary in order to
        make the statements and information contained in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article IV</u></font> not misleading.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc120550162"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.24</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Investment Securities</u></font>.&#160; Each of NBT and its Subsidiaries has good title to all securities owned by it (except those sold under repurchase agreements or held in any fiduciary or agency capacity),
        free and clear of any Liens, except to the extent such securities are pledged in the ordinary course of business to secure obligations of Salisbury or any Subsidiary.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc120550163"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 4.25</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>CRA, Anti-money Laundering and Customer Information Security</u></font>.&#160; Neither NBT nor&#160; NBT Bank is a party to any agreement with any individual or group regarding CRA matters and neither NBT nor NBT
        Bank has any Knowledge of, nor has NBT or NBT Bank been advised of or has any reason to believe that any facts or circumstances exist, which would cause NBT or NBT Bank: (a) to be deemed not to be in satisfactory compliance with the CRA, and the
        regulations promulgated thereunder, or to be assigned a rating for CRA purposes by Bank Regulators of lower than &#8220;satisfactory&#8221;; (b) to be deemed to be operating in violation of the federal Bank Secrecy Act, as amended, and its implementing
        regulations (31 C.F.R. Chapter X), the USA PATRIOT Act, and the regulations promulgated thereunder, any order issued with respect to anti-money laundering by the U.S. Department of the Treasury&#8217;s Office of Foreign Assets Control, or any other
        applicable anti-money laundering statute, rule or regulation; or (c) to be deemed not to be in satisfactory compliance with the applicable requirements contained in any federal and state privacy or data security laws and regulations, including,
        without limitation, in Title V of the Gramm-Leach-Bliley Act of 1999 and regulations promulgated thereunder, as well as the provisions of the information security program adopted by NBT pursuant to 12 C.F.R. Part 208, Subpart J, Appendix D.&#160;
        Furthermore, the NBT Board has adopted, and NBT has implemented an anti-money laundering program that contains adequate and appropriate customer identification verification procedures that has not been deemed ineffective by any Governmental
        Authority and that meets the requirements of Sections 352 and 326 and all other applicable provisions of the USA PATRIOT Act and the regulations thereunder.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE V</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530086213"></a><a name="z_Ref530086304"></a><a name="z_Toc24547126"></a><a name="z_Toc256000075"></a><a name="z_Toc118731604"></a><a name="z_Toc120550164"></a>COVENANTS</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc330323838"></a><a name="z_Toc24547127"></a><a name="z_Toc256000076"></a><a name="z_Ref25629068"></a><a name="z_Toc118731605"></a><a name="z_Toc120550165"></a><a name="z_Hlk108689972"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Covenants of Salisbury</u></font>.&#160;




        During the period from the date of this Agreement and continuing until the Effective Time or earlier termination of this Agreement, except as expressly contemplated or permitted by this Agreement (including as set forth in the Salisbury Disclosure
        Schedule) or with the prior written consent of NBT (such consent not to be unreasonably delayed, conditioned or withheld), Salisbury and Salisbury Bank shall carry on their respective business in the ordinary course consistent with past practice
        and consistent with prudent banking practice and in compliance in all material respects with all applicable laws and regulations.&#160; Salisbury and Salisbury Bank will use their respective reasonable best efforts to <a name="DocXTextRef242"></a>(i)
        preserve their business organizations intact, (ii) keep available to Salisbury, Salisbury Bank and NBT the present services of the current officers, employees, directors and other key individual service providers of Salisbury and any of its
        Subsidiaries and (iii) preserve for themselves and NBT the goodwill of the customers of Salisbury and Salisbury Bank and others with whom business relationships exist.&#160; Without limiting the generality of the foregoing, and except as set forth in
        the Salisbury Disclosure Schedule or as otherwise expressly contemplated or permitted by this Agreement or consented to in writing by NBT (such consent not to be unreasonably delayed, conditioned or withheld) or if required by any Bank Regulator,
        Salisbury and Salisbury Bank shall not:</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">33</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629069"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Stock</u></font>.&#160; <a name="DocXTextRef245"></a>(i) Issue, sell or otherwise permit to become outstanding, or authorize the creation or reservation of, any additional shares of capital stock or
          any Rights, other than capital stock upon the vesting or exercise of any Salisbury Options, Salisbury Restricted Stock or Salisbury Restricted Stock Units and outstanding as of the date hereof in accordance with the terms and conditions thereof
          as in effect on the date hereof and listed in the Salisbury Disclosure Schedule, including in connection with &#8220;net settling&#8221; any outstanding awards, (ii) permit any additional shares of capital stock to become subject to grants of employee,
          director or other stock options, warrants or other Rights, or (iii) redeem, retire, purchase or otherwise acquire, directly or indirectly, any Salisbury Stock, or obligate itself to purchase, retire or redeem, any of its shares of Salisbury Stock
          (except to the extent necessary to effect a cashless exercise of Salisbury Options or net settlement of Salisbury Restricted Stock or Salisbury RSUs, in each case outstanding on the date hereof and listed in the Salisbury Disclosure Schedule, in
          accordance with the terms and conditions thereof as in effect on the date hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629070"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dividends; Etc</u></font>.&#160; <a name="DocXTextRef247"></a>(i) Except for Salisbury&#8217;s regularly quarterly dividends of $0.16 per share per quarter, make, declare, pay or set aside for payment any
          dividend on or in respect of, or declare or make any distribution on any shares of Salisbury Stock or (ii) directly or indirectly adjust, split, combine, redeem, reclassify, purchase or otherwise acquire any shares of its capital stock. Salisbury
          shall not change its record date for payment of its quarterly dividend from the record date established in the prior year&#8217;s quarter in a manner that is inconsistent with past practice; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that after the date hereof, Salisbury shall coordinate with <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">NBT regarding the declaration of any dividends in respect of Salisbury Stock and the record dates and payment dates relating thereto, it being the intention of the parties hereto that holders of
            Salisbury Stock shall receive exactly one (1) dividend for the calendar quarter in which the Merger is consummated with respect to their shares of Salisbury Stock and any shares of NBT Stock that such holders receive in exchange therefor in the
            Merger</font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629071"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Compensation; Employment Agreements, Etc</u></font>.&#160; Except as provided for on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 5.01(c)</u></font>, enter
          into or amend or renew any employment, consulting, severance or similar agreements or arrangements with any director, officer, employee or other individual service provider of Salisbury, Salisbury Bank or any of their Subsidiaries or grant any
          salary or wage increase or increase any employee benefit or pay any incentive or bonus payments or accelerate the vesting, payment or funding of any compensation or benefits, except <a name="DocXTextRef249"></a>(i) for normal increases in
          compensation to employees in the ordinary course of business consistent with past practice, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font> that no such increase shall be more than five percent (5%) with
          respect to any individual employee and all such increases in the aggregate shall not exceed four percent (4%) of total compensation, and <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>provided</u></font> further that any
          increases, either singularly or in the aggregate, shall be consistent with Salisbury&#8217;s 2022 budget, a copy of which has been made available to NBT, (ii) as required under applicable law, the terms of this Agreement or the terms of any Salisbury
          Benefit Plan in effect on the date hereof, (iii) cash contributions to the Salisbury 401(k) Plan and the Salisbury Bank ESOP in the ordinary course of business consistent with past practice, and (iv) payment, in the ordinary course of business
          consistent with past practice, of 2022 annual bonuses to the individuals and in the amounts set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 5.01(c)</u></font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629072"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Hiring</u></font>.&#160; Hire any person as an employee of Salisbury or any of its Subsidiaries or promote any employee to a position of Vice President or above or to the extent such hire or promotion would
          increase any severance obligation, except <a name="DocXTextRef251"></a>(i) to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure
              Schedule 5.01(d)</u></font> and (ii) persons hired to fill any vacancies arising after the date hereof at an annual salary of less than $75,000 and whose employment is terminable at the will of Salisbury or Salisbury Bank, as applicable; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that Salisbury or Salisbury Bank must provide notice to NBT within three (3) days following the hiring of any persons hired to fill a
          vacancy.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">34</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629073"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Benefit Plans</u></font>.&#160; Except as provided for on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 5.01(e)</u></font>, enter into, establish, amend,
          modify or terminate any Salisbury Benefit Plan or adopt an arrangement that would constitute a Salisbury Benefit Plan, except <a name="DocXTextRef252"></a>(i) as may be required by applicable law or the terms of this Agreement, subject to the
          provision of prior written notice and consultation with respect thereto to NBT, or (ii) to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury




              Disclosure Schedule 5.01(e)</u></font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629074"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Transactions with Affiliates</u></font>.&#160; Except any agreements or arrangements in effect on the date hereof, pay, loan or advance any amount to, or sell, transfer or lease any properties or assets
          (real, personal or mixed, tangible or intangible) to, or enter into any agreement or arrangement with, any of its officers or directors or any of their immediate family members or any affiliates or associates (as such terms are defined under the
          Exchange Act or in Regulation W of the Federal Reserve Act of 1913) of any of its officers or directors other than compensation in the ordinary course of business consistent with past practice;</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629075"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dispositions</u></font>.&#160; Sell, transfer, mortgage, pledge, encumber or otherwise dispose of or discontinue any of its assets, deposits, business or properties except in the ordinary course of business
          consistent with past practice and in a transaction that, together with all other such transactions, is not material to Salisbury taken as a whole.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629076"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisitions</u></font>.&#160; Acquire (other than by way of foreclosures or acquisitions of control in a bona fide fiduciary capacity or in satisfaction of debts previously contracted in good faith, in each
          case in the ordinary and usual course of business consistent with past practice) all or any portion of the assets, business, deposits or properties of any other entity.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629077"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Expenditures</u></font>.&#160; Make any capital expenditures other than capital expenditures in the ordinary course of business consistent with past practice in amounts not exceeding $50,000
          individually or $100,000 in the aggregate.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629078"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(j)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Governing Documents</u></font>.&#160; Amend the charter or bylaws of Salisbury or Salisbury Bank.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629079"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(k)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Accounting Methods</u></font>.&#160; Implement or adopt any change in its accounting principles, practices or methods, other than as may be required by applicable laws or regulations or GAAP or by a Bank
          Regulator.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629080"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(l)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Contracts</u></font>.&#160; Except in the ordinary course of business consistent with past practice or as otherwise expressly permitted by this Agreement, enter into, amend, modify, renew or terminate any
          Material Contract.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629081"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(m)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; <font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Claims</u></font>.&#160; Enter into any settlement or similar agreement with respect to any action, suit, proceeding, order or investigation to which Salisbury or Salisbury Bank is or becomes a party after
          the date of this Agreement, which settlement, agreement or action involves payment by Salisbury or Salisbury Bank of an amount which exceeds $50,000 individually or $100,000 in the aggregate and/or would impose any material restriction on the
          business of Salisbury or Salisbury Bank; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that Salisbury or Salisbury Bank may not enter into any settlement or similar agreement with
          respect to any action, suit, proceeding, order or investigation for which Salisbury or Salisbury Bank has not provided notice to NBT of the existence of such action, suit, proceeding, order or investigation.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">35</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629082"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(n)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Banking Operations</u></font>.&#160; Enter into any new material line of business; change its material lending, investment, underwriting, risk and asset liability management and other material banking and
          operating policies, except as required by applicable law, regulation or policies imposed by any Governmental Authority; or file any application or make any contract with respect to branching or site location or branching or site relocation.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629083"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(o)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Derivative Transactions</u></font>.&#160; Except in the ordinary course of business consistent with past practice, enter into any Derivative Transactions.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629084"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(p)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indebtedness</u></font>.&#160; Incur any indebtedness for borrowed money or other liabilities (including brokered deposits and wholesale funding), federal funds purchased, borrowings from the FHLBB and
          securities sold under agreements to repurchase, each with a duration exceeding one (1) year, other than in the ordinary course of business consistent with past practice, or assume, guarantee, endorse or otherwise as an accommodation become
          responsible for the obligations of any other Person, other than in the ordinary course of business consistent with past practice.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629085"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(q)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Investment Securities</u></font>.&#160; Acquire (other than by way of foreclosures or acquisitions in a bona fide fiduciary capacity or in satisfaction of debts previously contracted in good faith, in each
          case in the ordinary course of business consistent with past practice) <a name="DocXTextRef253"></a>(i) any debt security or equity investment of a type or in an amount that is not in accordance with Salisbury&#8217;s investment policy or (ii) any
          debt security, including mortgage-backed and mortgage related securities, other than U.S. government and U.S. government agency securities with final maturities not greater than five years or mortgage-backed or mortgage related securities which
          would not be considered &#8220;high risk&#8221; securities under applicable regulatory pronouncements, in each case purchased in the ordinary course of business consistent with past practice; or restructure or materially change its investment securities
          portfolio, through purchases, sales or otherwise, or the manner in which such portfolio or any securities therein are classified under GAAP or reported for regulatory purposes.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530083619"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(r)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Loans</u></font>.&#160; Except to satisfy contractual obligations existing as of the date hereof and set forth on <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure
              Schedule 5.01(r)</u></font> make, renegotiate, renew, increase, extend, modify or purchase any Loan, in an amount in excess of $<a name="z_Hlk118472775"></a>5 million for a commercial real estate loan, $5 million for a commercial business
          loan, $5 million for a construction loan or $2 million for a residential real estate loan.&#160; For purposes of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.01(r)</u></font>, consent shall be
          deemed given unless NBT objects within 72 hours of receiving a notification from Salisbury.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629086"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(s)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Investments in Real Estate</u></font>.&#160; Make any equity investment or equity commitment to invest in real estate or in any real estate development project (other than by way of foreclosure or
          acquisitions in a bona fide fiduciary capacity or in satisfaction of a debt previously contracted in good faith, in each case in the ordinary course of business consistent with past practice).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629087"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(t)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Taxes</u></font>.&#160; Make or change any material Tax election, file any materially amended Tax Return, enter into any material closing agreement, settle or compromise any material liability with respect
          to Taxes, agree to any adjustment of any material Tax attribute, file any material claim for a refund of Taxes, or consent to any extension or waiver of the limitation period applicable to any material Tax claim or assessment.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629088"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(u)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Compliance with Agreements</u></font>.&#160; Commit any act or omission which constitutes a material breach or default by Salisbury or Salisbury Bank under any agreement with any Governmental Authority or
          under any Material Contract, Lease or other material agreement or material license to which it is a party or by which it or its properties is bound.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">36</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629089"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(v)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Environmental Assessments</u></font>.&#160; Foreclose on or take a deed or title to any commercial real estate without first conducting a Phase I environmental assessment of the property or foreclose on any
          commercial real estate if such environmental assessment indicates the presence of a Hazardous Substance in amounts which, if such foreclosure were to occur, would be material.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629090"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(w)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Insurance</u></font>.&#160; Cause or allow the loss of insurance coverage maintained by Salisbury that would have a Material Adverse Effect on Salisbury, unless replaced with coverage which is substantially
          similar (in amount and insurer) to that now in effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629091"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(x)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Liens</u></font>.&#160; Discharge or satisfy any Lien or pay any obligation or liability, whether absolute or contingent, due or to become due, except in the ordinary course of business consistent with
          normal banking practices.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629092"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(y)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Adverse Actions</u></font>.&#160; Take any action or fail to take any action that is intended or is reasonably likely to result in <a name="DocXTextRef257"></a>(i) any of its representations and warranties
          set forth in this Agreement being or becoming untrue in any material respect at any time at or prior to the Effective Time, (ii) any of the conditions to the Merger set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VI</u></font> not being satisfied, (iii) a material violation of any provision of this Agreement, except, in each case, as may be required by applicable law or regulation or by a Bank Regulator or (iv) a material
          delay of the approval or completion of the Merger.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629093"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(z)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Commitments</u></font>.&#160; Enter into any contract with respect to, or otherwise agree or commit to do, any of the actions set forth in clauses (a) through (y) above.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547128"></a><a name="z_Toc256000077"></a><a name="z_Ref25629094"></a><a name="z_Toc118731606"></a><a name="z_Toc120550166"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Covenants of NBT</u></font>.&#160; NBT will, and it will cause each of its Subsidiaries to, (i)
        carry on its business in the ordinary course consistent with past practice and consistent with prudent banking practice and in compliance in all material respects with all applicable laws and regulations and (ii) use reasonable efforts to preserve
        intact its business organization and assets and maintain its rights and franchises. From the date hereof until the Effective Time or earlier termination of this Agreement, except as expressly contemplated or permitted by this Agreement, without the
        prior written consent of Salisbury, NBT will not, and will cause each of its Subsidiaries not to:</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629095"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Adverse Actions</u></font>.&#160; Take any action or fail to take any action that is intended or is reasonably likely to result in <a name="DocXTextRef259"></a>(i) any of its representations and warranties
          set forth in this Agreement being or becoming untrue in any material respect at any time at or prior to the Effective Time, (ii) any of the conditions to the Merger set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VI</u></font> not being satisfied, (iii) a material violation of any provision of this Agreement except, in each case, as may be required by applicable law or regulation, (iv) preventing the Merger from qualifying as
          a &#8220;reorganization&#8221; within the meaning of Section 368(a) of the Code or (v) preventing or adversely affecting or delaying the ability of the parties to obtain the Regulatory Approvals or other approvals of any Governmental Authority required for
          the transaction contemplated hereby.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Capital Stock</u></font>. Grant, issue, deliver or sell any additional shares of capital stock or Rights; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that NBT may <a name="DocXTextRef260"></a>(i) grant equity awards pursuant to its employee benefit plans as required by any NBT Employee Benefit Plan or in the ordinary
          course consistent with past practice, (ii) issue capital stock upon the vesting or exercise of any equity awards granted pursuant to a NBT employee benefits plan outstanding as of the date hereof in accordance with the terms and conditions
          thereof as in effect on the date hereof, including in connection with &#8220;net settling&#8221; any outstanding awards, and (iii) issue NBT capital stock in connection with the transactions contemplated hereby.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">37</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Dividends; Etc.</u></font> Other than in the ordinary course of business consistent with past practice or in connection with the transactions contemplated hereby, make, declare, pay or set aside for payment any stock dividend on or
          in respect of, or declare or make any distribution on any shares of NBT Stock; or directly or indirectly adjust, split, combine, redeem, reclassify, purchase or otherwise acquire any shares of its capital stock. NBT shall not change its record
          date for payment of its quarterly dividend from the record date established in the prior year&#8217;s quarter in a manner that is inconsistent with past practice.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Amending Charter or Bylaws</u></font>. Amend its charter or bylaws in a manner that would materially and adversely affect the holders of Salisbury Stock, as prospective holders of NBT Stock, relative to other holders of NBT Stock.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Commitments</u></font>.&#160; Enter into any contract with respect to, or otherwise agree or commit to do, any of the foregoing.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547129"></a><a name="z_Toc256000078"></a><a name="z_Ref25629097"></a><a name="z_Toc118731607"></a><a name="z_Toc120550167"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Reasonable Best Efforts</u></font>.&#160; Subject to the terms and conditions of this Agreement,
        each of the parties to the Agreement agrees to use its reasonable best efforts in good faith to take, or cause to be taken, all actions, and to do, or cause to be done, all things necessary, proper or advisable under applicable laws, so as to
        permit consummation of the transactions contemplated hereby as promptly as practicable, and otherwise to enable consummation of the transactions contemplated by this Agreement, including the satisfaction of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VI</u></font> hereof, and shall cooperate fully with the other parties hereto to that end.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083785"></a><a name="z_Ref530084532"></a><a name="z_Ref530084769"></a><a name="z_Ref530084786"></a><a name="z_Ref530084798"></a><a name="z_Toc24547130"></a><a name="z_Toc256000079"></a><a name="z_Toc118731608"></a><a name="z_Toc120550168"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Shareholder Approval</u></font>. <a name="z_Ref25629098"></a> Salisbury agrees to take, in accordance with applicable law and the charter and bylaws of Salisbury, all action necessary to convene a special meeting of
        its shareholders to consider and vote upon the approval of this Agreement and any other matters required to be approved by Salisbury&#8217;s shareholders in order to permit consummation of the transactions contemplated by this Agreement (including any
        adjournment or postponement, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Meeting</u></font>&#8221;) and, subject to <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.05</u></font>
        and <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font>, shall take all lawful action to solicit such approval by such shareholders.&#160; Salisbury agrees to use its best efforts to convene the
        Salisbury Meeting within fifty (50) days after the initial mailing of the Proxy Statement/Prospectus to shareholders of Salisbury.&#160; Except with the prior approval of NBT, no other matters shall be submitted for the approval of Salisbury
        shareholders at the Salisbury Meeting.&#160; The Salisbury Board shall at all times prior to and during the Salisbury Meeting recommend adoption of this Agreement by the shareholders of Salisbury (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Recommendation</u></font>&#8221;) and shall not withhold, withdraw, amend or modify such recommendation in any manner adverse to NBT or take any other action or make any other public statement inconsistent with such
        recommendation, except as and to the extent expressly permitted by <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547131"></a><a name="z_Toc256000080"></a><a name="z_Ref25629100"></a><a name="z_Toc118731609"></a><a name="z_Toc120550169"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Merger Registration Statement; Proxy Statement/Prospectus</u></font>.&#160; For the purposes of <a name="DocXTextRef268"></a>(x) registering NBT Stock to be offered to holders of Salisbury Stock in connection with the Merger with the SEC under the Securities Act and applicable state securities laws and <a name="DocXTextRef269"></a>(y) holding
        the Salisbury Meeting, NBT shall draft and prepare, and Salisbury shall cooperate in the preparation of, a registration statement on Form S-4 for the registration of the shares to be issued by NBT in the Merger (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Registration Statement</u></font>&#8221;), including the Proxy Statement/Prospectus.&#160; NBT shall provide Salisbury and its counsel with appropriate opportunity to review and comment on the Merger Registration
        Statement and Proxy Statement/Prospectus prior to the time they are initially filed with the SEC or any amendments that are filed with the SEC. NBT shall use its reasonable best efforts to file the Merger Registration Statement with the SEC
        promptly after the date hereof. Each of NBT and Salisbury shall use its reasonable best efforts to have the Merger Registration Statement declared effective under the Securities Act as promptly as practicable after such filing and shall thereafter
        promptly mail the Proxy Statement/Prospectus to Salisbury&#8217;s shareholders.&#160; NBT shall also use its reasonable best efforts to obtain all necessary state securities law or &#8220;Blue Sky&#8221; permits and approvals required to carry out the transactions
        contemplated by this Agreement, and Salisbury shall furnish to NBT all information concerning Salisbury and the holders of Salisbury Stock as may be reasonably requested in connection with such action.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">38</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547132"></a><a name="z_Toc256000081"></a><a name="z_Ref25629101"></a><a name="z_Toc118731610"></a><a name="z_Toc120550170"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Cooperation and Information Sharing</u></font>.&#160; Salisbury shall provide NBT with any
        information concerning Salisbury that NBT may reasonably request in connection with the drafting and preparation of the Merger Registration Statement and Proxy Statement/Prospectus, and each party shall notify the other promptly of the receipt of
        any comments of the SEC with respect to the Merger Registration Statement or Proxy Statement/Prospectus and of any requests by the SEC for any amendment or supplement thereto or for additional information. NBT shall promptly provide to Salisbury
        copies of all correspondence between it or any of its representatives and the SEC. NBT shall provide Salisbury and its counsel with appropriate opportunity to review and comment on all amendments and supplements to the Merger Registration Statement
        and Proxy Statement/Prospectus and all responses to requests for additional information and replies to comments prior to their being filed with, or sent to, the SEC.&#160; Each of NBT and Salisbury agrees to use all reasonable efforts, after
        consultation with the other party hereto, to respond promptly to all such comments of and requests by the SEC, and to cause the Proxy Statement/Prospectus and all required amendments and supplements thereto, to be mailed to the holders of Salisbury
        Stock entitled to vote at the Salisbury Meeting<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">&#160;</font>at the earliest practicable time.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547133"></a><a name="z_Toc256000082"></a><a name="z_Ref25629102"></a><a name="z_Toc118731611"></a><a name="z_Toc120550171"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Supplements or Amendment</u></font>.&#160; Salisbury and NBT shall promptly notify the other party
        if at any time it becomes aware that the Proxy Statement/Prospectus or the Merger Registration Statement contains any untrue statement of a material fact or omits to state a material fact required to be stated therein or necessary to make the
        statements contained therein, in light of the circumstances under which they were made, not misleading.&#160; In such event, Salisbury shall cooperate with NBT in the preparation of a supplement or amendment to such Proxy Statement/Prospectus which
        corrects such misstatement or omission, and NBT shall file an amended Merger Registration Statement with the SEC, and Salisbury shall mail an amended Proxy Statement/Prospectus to its shareholders.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083643"></a><a name="z_Ref530083662"></a><a name="z_Toc24547134"></a><a name="z_Toc256000083"></a><a name="z_Toc118731612"></a><a name="z_Toc120550172"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Regulatory Approvals</u></font>.&#160; Each of Salisbury and NBT
        will cooperate with the other and use all reasonable efforts to promptly prepare all necessary documentation, to affect all necessary filings and to obtain all necessary permits, consents, approvals, waivers and authorizations of all third parties
        and Governmental Authorities necessary to consummate the transactions contemplated by this Agreement and NBT shall use its reasonable best efforts to make any initial application filings with Governmental Authorities within forty-five (45) days
        from the date hereof.&#160; Salisbury and NBT will furnish each other and each other&#8217;s counsel with all information concerning their respective entities, their subsidiaries, directors, officers and shareholders and such other matters as may be necessary
        or advisable in connection with the filing of the Proxy Statement/Prospectus and any application, petition or any other statement or application made by or on behalf of NBT or Salisbury to any Governmental Authority in connection with the Merger
        and the other transactions contemplated by this Agreement.&#160; Each party hereto shall have the right to review and approve in advance all characterizations of the information relating to such party and any of its Subsidiaries that appear in any
        filing made in connection with the transactions contemplated by this Agreement with any Governmental Authority.&#160; In addition, NBT and Salisbury shall each furnish to the other for review a copy of each such filing made in connection with the
        transactions contemplated by this Agreement with any Governmental Authority prior to its filing.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547135"></a><a name="z_Toc256000084"></a><a name="z_Ref25629103"></a><a name="z_Toc118731613"></a><a name="z_Toc120550173"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Press Releases</u></font>.&#160; Salisbury and NBT shall consult with each other before issuing any
        press release with respect to this Agreement or the transactions contemplated hereby and shall not issue any such press release or make any such public statements without the prior consent of the other party, which shall not be unreasonably
        withheld; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that a party may, without the prior consent of the other party (but after such consultation, to the extent practicable in the
        circumstances), issue such press release or make such public statements as may upon the advice of outside counsel be required by law.&#160; Salisbury and NBT shall cooperate to develop all public announcement materials and make appropriate management
        available at presentations related to this Agreement as reasonably requested by the other party.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">39</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547136"></a><a name="z_Toc256000085"></a><a name="z_Ref25629104"></a><a name="z_Toc118731614"></a><a name="z_Toc120550174"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Access; Information</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530083699"></a><a name="z_Ref25629105"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury agrees that upon reasonable notice and subject to applicable laws, it shall afford NBT and its designated authorized officers, employees, counsel, accountants and other authorized representatives such reasonable access during
          normal business hours throughout the period prior to the Effective Time to the books, records (including, without limitation, Tax Returns and work papers of independent auditors), minute books of Salisbury&#8217;s board of directors and any committees
          thereof (other than minutes that discuss any of the transactions contemplated by this Agreement or any confidential supervisory information), properties and personnel of Salisbury and to such other information relating to Salisbury as NBT may
          reasonably request and, during such period, it shall furnish promptly to NBT all information concerning the business, properties and personnel of Salisbury as NBT may reasonably request. NBT shall use commercially reasonable efforts to minimize
          any interference with Salisbury&#8217;s regular business operations during any such access to Salisbury&#8217;s employees, property, books and records.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530085064"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">In furtherance of the
          foregoing, Salisbury shall, on a biweekly basis, provide to NBT a report setting forth (i) Salisbury Bank&#8217;s commercial construction loan and residential construction loan activity, including information regarding loan applications, loan approvals
          and loan performance, as well as any additional information as NBT may reasonably request regarding such loans, and (ii) a list of all commercial real estate loans and commercial business loans approved during the period covered by the report, as
          well as any additional information as NBT may reasonably request regarding such loans.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury shall keep NBT reasonably apprised of the
          status of any legal proceeding involving Salisbury or any of its Subsidiaries and shall notify NBT of any change in status of such legal proceeding (including, without limitation, any filings, hearings or settlement negotiations) within two
          Business Days of such change. NBT shall keep Salisbury reasonably apprised of the status of any material legal proceeding involving NBT or any of its Subsidiaries and shall notify Salisbury of any change in status of such legal proceeding
          (including, without limitation, any hearings or settlement negotiations) within five Business Days of such change.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">All information furnished to NBT by Salisbury pursuant
          to <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.10(a)</u></font> shall be subject to, and NBT shall hold all such information in confidence in accordance with, the provisions of the letter
          agreement, dated as of September 12, 2022, by and between Salisbury and NBT (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Confidentiality Agreement</u></font>&#8221;).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629106"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything
          to the contrary contained in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.10</u></font>, in no event shall NBT have access to any information that, based on advice of Salisbury&#8217;s counsel,
          would: <a name="DocXTextRef271"></a>(a) reasonably be expected to waive any material legal privilege; <a name="DocXTextRef272"></a>(b) result in the disclosure of any trade secrets of third parties; or <a name="DocXTextRef273"></a>(c) violate
          any obligation of Salisbury with respect to confidentiality so long as, with respect to confidentiality, to the extent specifically requested by NBT, Salisbury has made commercially reasonable efforts to obtain a waiver regarding the possible
          disclosure from the third party to whom it owes an obligation of confidentiality.&#160; All requests made pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.10</u></font> will be directed to
          an executive officer of Salisbury or such Person or Persons as may be designated by Salisbury. No investigation by NBT of the business and affairs of Salisbury shall affect or be deemed to modify or waive any representation, warranty, covenant or
          agreement in this Agreement, or the conditions to the obligations of NBT to consummate the transactions contemplated by this Agreement.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">40</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083680"></a><a name="z_Ref530083857"></a><a name="z_Ref530083869"></a><a name="z_Ref530083883"></a><a name="z_Ref530084755"></a><a name="z_Toc24547137"></a><a name="z_Toc256000086"></a><a name="z_Toc118731615"></a><a name="z_Toc120550175"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>No Solicitation by Salisbury</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629107"></a><a name="z_Ref530083726"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury shall not, and shall cause its officers, directors, employees, investment bankers, financial advisors, attorneys, accountants, consultants, affiliates and other agents of Salisbury (collectively, the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Representatives</u></font>&#8221;) not to, directly or indirectly, <a name="DocXTextRef276"></a>(i) initiate, solicit, induce or knowingly encourage, or take any action to facilitate the making of,
          any inquiry, offer or proposal which constitutes, or could reasonably be expected to lead to, an Acquisition Proposal; (ii) participate in any discussions or negotiations regarding any Acquisition Proposal or furnish, or otherwise afford access,
          to any Person (other than NBT) any confidential or non-public information or data with respect to Salisbury or otherwise relating to an Acquisition Proposal; or (iii) without the prior written consent of NBT, release any Person from, waive any
          provisions of, or fail to enforce any confidentiality agreement or standstill agreement to which Salisbury is a party. Salisbury shall, and shall cause each of the Salisbury Representatives to, <a name="DocXTextRef277"></a>(x) immediately cease
          and cause to be terminated any and all existing discussions, negotiations, and communications with any Persons with respect to any existing or potential Acquisition Proposal, and <a name="DocXTextRef278"></a>(y) as soon as practicable after the
          date hereof, request the prompt return or destruction of all confidential information made available by Salisbury or on its behalf during the past twelve months in connection with any actual or potential Acquisition Proposal.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629108"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11(a)</u></font>, prior to the Salisbury Meeting, Salisbury may take any of the actions described in clause (ii) of <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11(a)</u></font> if, but only if, <a name="DocXTextRef279"></a>(i) Salisbury has received a bona fide unsolicited written Acquisition Proposal that did not result from a breach of
          this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font>; (ii) the Salisbury Board determines in good faith, <a name="DocXTextRef280"></a>(A) after consultation with its outside legal
          counsel and, with respect to financial matters, its independent financial advisor, that such Acquisition Proposal constitutes or is reasonably likely to lead to a Superior Proposal and <a name="DocXTextRef281"></a>(B) after consultation with its
          outside legal counsel, and with respect to financial matters, its financial advisors, determines in good faith that it is required to take such actions to comply with its fiduciary duties under applicable law; (iii) Salisbury has provided NBT
          with at least 48 hours&#8217; prior notice of such determination; and (iv) prior to furnishing or affording access to any information or data with respect to Salisbury or otherwise relating to an Acquisition Proposal, Salisbury receives from such
          Person a confidentiality agreement with terms not materially less favorable to Salisbury than those contained in the Confidentiality Agreement. In addition, if Salisbury receives an Acquisition Proposal that constitutes or is reasonably expected
          to result in a Superior Proposal and Salisbury has not breached any of the covenants set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font>, then Salisbury, or any Salisbury
          Representative may, with the prior approval of the Salisbury Board at a duly called meeting, contact the Person who has submitted (and not withdrawn) such Acquisition Proposal, or any of such Person&#8217;s representatives, solely <a name="DocXTextRef282"></a>(x) to clarify the terms and conditions of such Acquisition Proposal and <a name="DocXTextRef283"></a>(y) if such Acquisition Proposal initially is made orally, to direct such Person to submit the Acquisition Proposal
          to Salisbury confidentially in writing. Salisbury shall promptly provide to NBT any non-public information regarding Salisbury provided to any other Person which was not previously provided to NBT, such additional information to be provided no
          later than the date of provision of such information to such other party.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530083754"></a><a name="z_Ref25629109"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury shall promptly (and in any event orally within one Business Day and in writing within two Business Days) notify NBT if any inquiries, proposals or offers are received by, any information is requested from, or any negotiations
          or discussions are sought to be initiated or continued with, Salisbury or the Salisbury Representatives, in each case in connection with any Acquisition Proposal, and such notice shall indicate the name of the Person initiating such discussions
          or negotiations or making such inquiry, proposal, offer or information request and the material terms and conditions of any proposals or offers (and, in the case of written materials relating to such inquiry, proposal, offer, information request,
          negotiations or discussion, providing copies of such materials (including e-mails or other electronic communications)). Salisbury agrees that it shall keep NBT informed, on a reasonably current basis (and in any event within 24 hours), of the
          status and terms of any material developments with respect to such inquiry, proposal, offer, information request, negotiations or discussions (including, in each case, any amendments or modifications thereto). Salisbury shall provide NBT with at
          least 48 hours&#8217; prior notice of any meeting of the Salisbury Board at which the Salisbury Board is reasonably expected to consider any Acquisition Proposal.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">41</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629110"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Subject to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.11(e)</u></font>, neither the Salisbury Board nor any committee thereof shall <a name="DocXTextRef288"></a>(i) withdraw, qualify, amend, modify or withhold, or propose to
          withdraw, qualify, amend, modify or withhold, in a manner adverse to NBT in connection with the transactions contemplated by this Agreement (including the Merger), the Salisbury Recommendation, fail to reaffirm the Salisbury Recommendation within
          five Business Days following a request by NBT, or make any statement, announcement or release, in connection with the Salisbury Meeting or otherwise, inconsistent with the Salisbury Recommendation (it being understood that taking a neutral
          position or no position with respect to an Acquisition Proposal shall be considered an adverse modification of the Salisbury Recommendation); (ii) approve or recommend, or propose to approve or recommend, any Acquisition Proposal; or (iii) enter
          into (or cause Salisbury to enter into) any letter of intent, agreement in principle, acquisition agreement or other agreement <a name="DocXTextRef289"></a>(A) related to any Acquisition Transaction (other than a confidentiality agreement
          entered into in accordance with the provisions of <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11(b)</u></font>) or <a name="DocXTextRef290"></a>(B) requiring Salisbury to abandon, terminate or
          fail to consummate the Merger or any other transaction contemplated by this Agreement.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629111"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Notwithstanding anything
          to the contrary set forth in this Agreement, prior to the Salisbury Meeting, the Salisbury Board may withdraw, qualify, amend or modify the Salisbury Recommendation in connection therewith (a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Subsequent Determination</u></font>&#8221;) and/or terminate this Agreement pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.01(g)(ii)</u></font> after the fourth Business
          Day following NBT&#8217;s receipt of a written notice (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice of Superior Proposal</u></font>&#8221;) from Salisbury advising NBT that the Salisbury Board intends to determine that a bona
          fide unsolicited written Acquisition Proposal that it received (that did not result from a breach of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font>) constitutes a Superior Proposal
          if, but only if, <a name="DocXTextRef292"></a>(i) the Salisbury Board has reasonably determined in good faith, after consultation with outside legal counsel, that it is required to take such actions to comply with its fiduciary duties under
          applicable law, (ii) during the three Business Day period after receipt of the Notice of Superior Proposal by NBT (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Notice Period</u></font>&#8221;), Salisbury and the Salisbury
          Board shall have cooperated and negotiated in good faith with NBT to make such adjustments, modifications or amendments to the terms and conditions of this Agreement as would enable Salisbury to proceed with the Salisbury Recommendation without a
          Salisbury Subsequent Determination; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that NBT shall not have any obligation to propose any adjustments, modifications or amendments to
          the terms and conditions of this Agreement, and (iii) at the end of the Notice Period, after taking into account any such adjusted, modified or amended terms as may have been proposed by NBT since its receipt of such Notice of Superior Proposal,
          the Salisbury Board in good faith makes the determination <a name="DocXTextRef293"></a>(A) in clause (i) of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11(e)</u></font> and <a name="DocXTextRef294"></a>(B) that such Acquisition Proposal constitutes a Superior Proposal. In the event of any material revisions to the Superior Proposal, Salisbury shall be required to deliver a new Notice of Superior Proposal to NBT and
          again comply with the requirements of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11(e)</u></font>, except that the Notice Period shall be reduced to two Business Days.&#160; In addition to the
          foregoing, the Salisbury Board shall not submit to the vote of its stockholders any Acquisition Proposal other than the Merger at the Salisbury Meeting.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629112"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Nothing contained in this
          <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font> shall prohibit Salisbury or the Salisbury Board from complying with Salisbury&#8217;s obligations required under Rules 14d-9&#160; and 14e-2(a)
          promulgated under the Exchange Act or from making any legally required disclosure to Salisbury&#8217;s shareholders; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that any such disclosure
          relating to an Acquisition Proposal shall be deemed a change in the Salisbury Recommendation unless it is limited to a stop, look and listen communication or the Salisbury Board reaffirms the Salisbury Recommendation in such disclosure.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">42</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083901"></a><a name="z_Ref530083926"></a><a name="z_Toc24547138"></a><a name="z_Toc256000087"></a><a name="z_Toc118731616"></a><a name="z_Toc120550176"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Certain Policies</u></font>.&#160; Prior to the Effective Date,
        Salisbury shall, consistent with GAAP and applicable banking laws and regulations, modify or change its loan, OREO, accrual, reserve, tax, litigation and real estate valuation policies and practices (including loan classifications and levels of
        reserves) so as to be applied on a basis that is consistent with that of NBT; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that Salisbury shall not be obligated to take any action
        pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.12</u></font> unless and until NBT acknowledges, and Salisbury is satisfied, that all conditions to Salisbury&#8217;s obligation to consummate
        the Merger have been satisfied and that NBT shall consummate the Merger in accordance with the terms of this Agreement, and further provided that in any event, no accrual or reserve made by Salisbury pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.12</u></font> or the consequences resulting therefrom shall constitute or be deemed to be a breach, violation of or failure to satisfy any representation, warranty, covenant,
        agreement, condition or other provision of this Agreement or otherwise be considered in determining whether any such breach, violation or failure to satisfy shall have occurred.&#160; The recording of any such adjustments shall not be deemed to imply
        any misstatement of previously furnished financial statements or information and shall not be construed as concurrence of Salisbury or its management with any such adjustments, nor any admission that the previously furnished financial statements or
        information did not fully comply in all respects with GAAP or regulatory requirements.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530083967"></a><a name="z_Ref530084008"></a><a name="z_Ref530085103"></a><a name="z_Toc24547139"></a><a name="z_Toc256000088"></a><a name="z_Toc118731617"></a><a name="z_Toc120550177"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.13</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Indemnification</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530083948"></a><a name="z_Ref25629113"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">From and after the Effective Time, NBT (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indemnifying Party</u></font>&#8221;) shall indemnify and hold harmless each present and former director and officer of Salisbury or
          Salisbury Bank, as applicable, determined as of the Effective Time (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Indemnified Parties</u></font>&#8221;) against any costs or expenses (including reasonable attorneys&#8217; fees),
          judgments, amounts paid in settlement, fines, penalties, losses, claims, damages or liabilities incurred in connection with any claim, action, suit, proceeding or investigation, whether civil, criminal, administrative or investigative, and
          whether formal or informal (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proceeding</u></font>&#8221;) arising out of matters existing or occurring at or prior to the Effective Time, whether asserted or claimed prior to,
          at or after the Effective Time, arising in whole or in part out of or pertaining to the fact that he or she was a director or officer of Salisbury or Salisbury Bank or is or was serving at the request of Salisbury or Salisbury Bank as a director,
          officer, employee or other agent of any other organization or in any capacity with respect to any employee benefit plan of Salisbury or Salisbury Bank, including without limitation matters related to the negotiation, execution and performance of
          this Agreement or any of the transactions contemplated hereby, to the fullest extent which such Indemnified Parties would be entitled under the CBCA or the charter or bylaws of Salisbury or Salisbury Bank as in effect on the date hereof (subject
          to change as required by law).&#160; NBT&#8217;s obligations under this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13(a)</u></font> shall continue in full force and effect for a period of six years from the
          Effective Time; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that all rights to indemnification and advancement in respect of any Proceeding asserted or made within such period
          shall continue until the final disposition of such Proceeding.&#160; Notwithstanding any other provision of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font>, the Indemnifying Party shall
          advance all reasonable costs, expenses and fees (including reasonable attorneys&#8217; fees) incurred by or on behalf of an Indemnified Party in connection with any Proceeding within thirty (30) days after the receipt by the Indemnifying Party of a
          statement or statements from the Indemnified Party requesting such advance or advances from time to time, whether prior to or after final disposition of such Proceeding. Such statement or statements shall be made in good faith and shall
          reasonably evidence the costs, expenses and fees incurred by the Indemnified Party (which shall include invoices in connection with such costs, fees and expenses but, in the case of invoices in connection with legal services, any references to
          legal work performed or to expenditure made that would cause the Indemnified Party to waive any privilege or protection accorded by applicable law shall not be included with the invoice), and shall include or be preceded or accompanied by a
          written undertaking by or on behalf of the Indemnified Party to repay any costs, expenses or fees advanced if it shall ultimately be determined that the Indemnified Party is not entitled to be indemnified against such costs, expenses or fees. Any
          advances and undertakings to repay pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font> shall be unsecured and interest free and made without regard to the Indemnified Party&#8217;s
          ability to repay such advances or ultimate entitlement to indemnification.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">43</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629114"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Any Indemnified Party
          wishing to claim indemnification under this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font>, upon learning of any such Proceeding, shall promptly notify the Indemnifying Party, but the
          failure to so notify shall not relieve the Indemnifying Party of any liability it may have to such Indemnified Party except to the extent that such failure does actually prejudice the Indemnifying Party.&#160; In the event of any such Proceeding
          (whether arising before or after the Effective Time), <a name="DocXTextRef305"></a>(i) the Indemnifying Party shall have the right to assume the defense thereof with counsel which is reasonably satisfactory to the Indemnified Party and the
          Indemnifying Party shall not be liable to such Indemnified Parties for any legal expenses of other counsel or any other expenses subsequently incurred by such Indemnified Parties in connection with the defense thereof, except that if the
          Indemnifying Party elects not to assume such defense or counsel for the Indemnified Parties advises that there are issues which raise actual or potential conflicts of interest between the Indemnifying Party and the Indemnified Parties, the
          Indemnified Parties may retain counsel which is reasonably satisfactory to the Indemnifying Party, and the Indemnifying Party shall pay, promptly as statements therefor are received, the reasonable fees and expenses of such counsel for the
          Indemnified Parties (which may not exceed one firm in any jurisdiction unless counsel for the Indemnified Parties advises that there are issues that raise conflicts of interest between the Indemnified Parties), (ii) the Indemnified Parties will
          reasonably cooperate in the defense of any such matter, (iii) the Indemnifying Party shall not be liable for any settlement effected without its prior written consent and (iv) the Indemnifying Party shall have no obligation hereunder in the event
          that indemnification of an Indemnified Party in the manner contemplated hereby is prohibited by applicable laws and regulations or by a final non-appealable adjudication of an applicable federal or state banking agency or a court of competent
          jurisdiction.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629115"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Prior to the Effective
          Time, NBT shall purchase an extended reporting period endorsement under Salisbury&#8217;s existing directors&#8217; and officers&#8217; liability insurance coverage for Salisbury&#8217;s directors and officers in a form acceptable to Salisbury which shall provide such
          directors and officers with coverage for six years following the Effective Time for claims made against such directors and officers arising from any act, error or omission by such directors and officers existing or occurring at or prior to the
          Effective Time of not less than the existing coverage under, and have other terms at least as favorable to, the directors and officers than the directors&#8217; and officers&#8217; liability insurance coverage presently maintained by Salisbury (provided that
          NBT may substitute therefor policies which are not materially less advantageous than such policy or single premium tail coverage with policy limits equal to Salisbury&#8217;s existing coverage limits), so long as the aggregate cost is not more than
          250% of the annual premium currently paid by Salisbury for such insurance (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Premium Limit</u></font>&#8221;). In the event that the Premium Limit is insufficient for such coverage,
          NBT shall use its reasonable best efforts to<font style="font-size: 10pt; font-family: 'Times New Roman';"> purchase such lesser coverage as may be obtained with such amount</font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629116"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The rights of
          indemnification and advancement as provided by this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font> shall not be deemed exclusive of any other rights to which the Indemnified Party may at
          any time be entitled under the charter or bylaws of Salisbury or as provided in applicable law as in effect on the date hereof (subject to change as required by law), any agreement, a vote of stockholders, a resolution of directors of Salisbury,
          or otherwise. In the event that an Indemnified Party, pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font>, seeks an adjudication of such person&#8217;s rights under, or to recover
          damages for breach of, this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font>, or to recover under any directors&#8217; and officers&#8217; liability insurance coverage maintained by Salisbury or NBT,
          the Indemnifying Party shall pay on such Indemnified Party&#8217;s behalf, any and all reasonable costs, expenses and fees (including reasonable attorneys&#8217; fees ) incurred by such Indemnified Party in such judicial adjudication, to the fullest extent
          permitted by law, only to the extent that the Indemnified Party prevails in such judicial adjudication.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629117"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If NBT or any of its
          successors or assigns shall consolidate with or merge into any other entity and shall not be the continuing or surviving entity of such consolidation or merger, or shall transfer all or substantially all of its assets to any other entity, then
          and in each case, proper provision shall be made so that the successors and assigns of NBT shall assume the obligations set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font>.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">44</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref23800611"></a><a name="z_Ref23800617"></a><a name="z_Ref23800652"></a><a name="z_Toc24547140"></a><a name="z_Toc256000089"></a><a name="z_Toc118731618"></a><a name="z_Toc120550178"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.14</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Employees; Benefit Plans</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629118"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Following the Closing Date
          and except to the extent an alternative treatment is set forth in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14</u></font>, NBT <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">may




            choose to maintain any or all of the Salisbury Benefit Plans in its sole discretion, and Salisbury and Salisbury Bank shall cooperate with NBT in order to effect any plan terminations to be made as of the Effective Time. For the period
            commencing at the Effective Time and ending 12 months after the Effective Time (or until the applicable Continuing Employee&#8217;s earlier termination of employment), NBT shall provide, or cause to be provided, to each employee of Salisbury Bank who
            continues with the Surviving Bank as of the Closing Date (a &#8220;<u>Continuing Employee</u>&#8221;) (i) a base salary or a base rate of pay at least equal to the base salary or base rate of pay provided to similarly situated employees of NBT or any
            Subsidiary of NBT and (ii) other benefits (other than severance, termination pay or equity compensation) at least substantially comparable in the aggregate to the benefits provided to similarly situated employees of NBT or any Subsidiary of
            NBT.&#160; For any Salisbury Benefit Plan terminated for which there is a comparable NBT Benefit Plan of general applicability, NBT shall take all commercially reasonable action so that Continuing Employees shall be entitled to participate in such
            NBT Benefit Plan to the same extent as similarly-situated employees NBT (it being understood that inclusion of the employees of Salisbury and Salisbury Bank in the NBT Benefit Plans may occur at different times with respect to different
            plans).&#160; NBT shall cause each NBT Benefit Plan in which Continuing Employees are eligible to participate to take into account for purposes of eligibility and vesting under the NBT Benefit Plans (but not for purposes of benefit accrual) the
            service of such employees with Salisbury or Salisbury Bank to the same extent as such service was credited for such purpose by Salisbury or Salisbury Bank; </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic; color: #000000;">provided</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">, </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic; color: #000000;">however</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">, that such service shall not be recognized to the extent that such recognition would result in a duplication of benefits or retroactive application. Nothing herein shall
            limit the ability of NBT to amend or terminate any of the Salisbury Benefit Plans or NBT Benefit Plans in accordance with their terms at any time.</font>&#160; Following the Closing Date, NBT shall honor, in accordance with Salisbury&#8217;s policies and
          procedures in effect as of the date hereof, any employee expense reimbursement obligations of Salisbury for out-of-pocket expenses incurred during the calendar year in which the Closing occurs by any Continuing Employee.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629119"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Without limiting the
          generality of <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 5.14(a)</u></font>, prior to the Closing Date, (i) Salisbury or Salisbury Bank, as applicable, shall take all actions necessary to terminate the Salisbury
          Bank and Trust Company Employee Severance Compensation Plan, dated July 31, 2020 (the &#8220;<a name="z_Hlk120879629"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Bank Severance Plan</u></font>&#8221;), and to adopt written
          resolutions, the form and substance of which shall be reasonably satisfactory to NBT, to terminate such Salisbury Bank Severance Plan, and (ii) if requested by NBT in writing not less than ten (10) days prior to the Closing, Salisbury or
          Salisbury Bank, as applicable, shall take all actions necessary to cease contributions to and terminate each Salisbury Benefit Plan that is intended to qualify under Code Section 401(k) (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury 401(k) Plan</u></font>&#8221;) and/or is intended to be a non-qualified deferred compensation plan (each, a &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury NQDC Plan</u></font>&#8221;), and to adopt
          written resolutions, the form and substance of which shall be reasonably satisfactory to NBT, to terminate each such Salisbury 401(k) Plan and/or Salisbury NQDC Plan; provided, however, that each such termination may be made contingent upon the
          consummation of the transactions contemplated by this Agreement. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">In the event NBT elects to terminate the Salisbury 401(k) Plan prior to the Closing Date, NBT shall
            take any and all actions as may be required to permit Continuing Employees to participate in a </font>NBT Benefit Plan that is intended to qualify under Code Section 401(k) (an &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>NBT 401(k) Plan</u>&#8221;) immediately following the Closing Date and to permit Continuing Employees to roll over their account balances in the Salisbury 401(k) Plan, including any participant loans under the Salisbury 401(k)
            Plan, into the NBT 401(k) Plan.</font></font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">45</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629120"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">If employees of Salisbury
          or Salisbury Bank become eligible to participate in a medical, dental, vision, prescription drug, disability plan or life insurance plan of NBT upon termination of such plan of Salisbury or Salisbury Bank in the calendar year that includes the
          Closing Date, NBT shall use all commercially reasonable efforts to cause each such plan to <a name="DocXTextRef317"></a>(i) waive any preexisting condition limitations to the extent such conditions are covered under the applicable NBT Benefit
          Plan, (ii) provide credit under such plans for any deductible, co-payment and out-of-pocket expenses incurred by the employees and their beneficiaries during the portion of the calendar year prior to such participation and (iii) waive any waiting
          period limitation, actively-at-work requirement or evidence of insurability requirement which would otherwise be applicable to such employee on or after the Effective Time, in each case to the extent such employee had satisfied any similar
          limitation or requirement under an analogous Salisbury Benefit Plan prior to the Effective Time.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629124"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">NBT agrees to pay to each
          employee of Salisbury or Salisbury Bank that is not covered by a written employment or severance agreement and is terminated by NBT or any of its Subsidiaries, without cause, within six (6) months following the Effective Time, a severance payment
          equal to two (2) weeks of his or her then current base salary multiplied by the number of total completed years of service with Salisbury or Salisbury Bank; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>,
          <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that for vice presidents and above, severance payment shall equal twenty-six (26) weeks of his or her base salary and for all other employees, the
          minimum severance payment shall equal not less than twelve (12) weeks of his or her base salary and the maximum severance payment shall not exceed twenty-six (26) weeks of his or her base salary; and <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided further</font>, that such employee enters into a release of claims in a form reasonably satisfactory to NBT and that such employee does not voluntarily leave employment with Salisbury or
          Salisbury Bank prior to the Effective Time.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629127"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">To the extent necessary,
          NBT and Salisbury may provide a retention pool as mutually agreed by NBT and Salisbury to enable NBT and Salisbury to provide retention incentives to certain employees of Salisbury or Salisbury Bank who are not covered by a written employment
          agreement, the recipients and amounts to be mutually determined by NBT and Salisbury.&#160; Such designated employees will enter into retention agreements to be agreed upon by NBT and Salisbury.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629128"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Subject to the occurrence of the Closing, the Salisbury Bank ESOP shall be terminated by Salisbury Bank prior to the Closing Date. In connection with the termination of the Salisbury Bank
            ESOP, all plan accounts shall be fully vested, all outstanding indebtedness of the Salisbury Bank ESOP shall be repaid by delivering a sufficient number of unallocated shares of Salisbury Stock to Salisbury, at least five (5) Business Days
            prior to the Effective Time, all remaining shares of Salisbury Stock held by the Salisbury Bank ESOP shall be converted into the right to receive the Merger Consideration, and the balance of the unallocated shares and any other unallocated
            assets remaining in the Salisbury Bank ESOP after repayment of the Salisbury Bank ESOP loan shall be allocated as earnings to the accounts of the Salisbury Bank ESOP participants who are employed as of the date of termination of the Salisbury
            Bank ESOP based on their account balances under the Salisbury Bank ESOP as of the date of termination of the Salisbury Bank ESOP and distributed to Salisbury Bank ESOP participants after the receipt of a favorable determination letter from the
            IRS. Prior to the Effective Time, Salisbury Bank shall take all such actions as are necessary (determined in consultation with NBT) to submit the application for favorable determination letter in advance of the Effective Time. Salisbury Bank
            will adopt such amendments to the Salisbury Bank ESOP to effect the provisions of this <u>Section 5.14(f)</u>. Promptly following the receipt of a favorable determination letter from the IRS regarding the qualified status of the Salisbury Bank
            ESOP upon its termination, the account balances in the Salisbury Bank ESOP shall either be distributed to participants and beneficiaries or transferred to an eligible tax-qualified retirement plan or individual retirement account as a
            participant or beneficiary may direct; provided however, that nothing contained herein shall delay the distribution or transfer of account balances in the Salisbury Bank ESOP in the ordinary course for reasons other than the termination of such
            plan. Prior to the Closing Date, Salisbury Bank shall provide NBT with the final documentation evidencing that the actions contemplated herein have been effectuated. Notwithstanding anything herein to the contrary, Salisbury Bank shall continue
            to accrue and make contributions to the Salisbury Bank ESOP trust from the date of this Agreement through the termination date of the Salisbury Bank ESOP in an amount sufficient (but not to exceed) the loan payments which become due in the
            ordinary course on the outstanding loans to the Salisbury Bank ESOP prior to the termination of the Salisbury Bank ESOP and shall make a pro-rated payment on the Salisbury Bank ESOP loan for the 2023 plan year through and including the end of
            the calendar month immediately preceding the Closing, prior to the termination of the Salisbury Bank ESOP.</font></font></div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"> <br>
          </font></font></div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">46</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Nothing contained in this Agreement, expressed or
          implied, shall <a name="DocXTextRef321"></a>(i) give any person, other than the parties hereto, any rights or remedies of any nature whatsoever, including any right to continued employment or service, under or by reason of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.14</u></font>, (ii) cause any third party beneficiary rights in any current or former employee, director, other individual service provider of Salisbury or
          any of its Subsidiaries to enforce the provisions of this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.14</u></font> or any other matter related thereto, or (iii) be construed as an amendment to any
          Salisbury Benefit Plan, NBT Benefit Plan, or other employee benefit plan of NBT, NBT Bank, Salisbury or any of their respective Affiliates, or be construed to prohibit the amendment or termination of any such plan.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547141"></a><a name="z_Toc256000090"></a><a name="z_Ref25629129"></a><a name="z_Toc118731619"></a><a name="z_Toc120550179"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.15</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Notification of Certain Changes</u></font>.&#160; Each of NBT and Salisbury shall promptly advise
        the other party of any change or event having, or which could be reasonably expected to have, a Material Adverse Effect on it or which it believes would, or which could reasonably be expected to, cause or constitute a material breach of any of its
        representations, warranties or covenants contained herein.&#160; From time to time prior to the Effective Time, but no more frequently than monthly (and no later than the date prior to the Closing Date), each party will supplement or amend its
        Disclosure <a name="DocXTextRef326"></a>Schedules delivered in connection with the execution of this Agreement to reflect any matter which, if existing, occurring or known at the date of this Agreement, would have been required to be set forth or
        described in such Disclosure <a name="DocXTextRef327"></a>Schedules or which is necessary to correct any information in such Disclosure <a name="DocXTextRef328"></a>Schedules which has been rendered inaccurate thereby.&#160; No supplement or amendment
        to such Disclosure <a name="DocXTextRef329"></a>Schedules shall have any effect for the purpose of determining the accuracy of the representations and warranties of the parties contained in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article IV</u></font> in order to determine the fulfillment of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.02(a)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.03(a)</u></font> hereof, as the case may be, or
        the compliance by Salisbury or NBT, as the case may be, with the respective covenants and agreements of such parties contained herein.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547142"></a><a name="z_Toc256000091"></a><a name="z_Ref25629130"></a><a name="z_Toc118731620"></a><a name="z_Toc120550180"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.16</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Current Information</u></font>.&#160; During the period from the date of this Agreement to the
        Effective Time, Salisbury will cause one or more of its designated representatives to confer on a regular and frequent basis with representatives of NBT and to report the general status of the ongoing operations of Salisbury.&#160; Without limiting the
        foregoing, Salisbury agrees to provide NBT <a name="DocXTextRef332"></a>(i) a copy of each report filed by Salisbury with a Governmental Authority within one (1) Business Day following the filing thereof and (ii) monthly updates of the information
        required to be set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure </u></font><a name="DocXTextRef333"></a><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Schedule 3.14</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547143"></a><a name="z_Toc256000092"></a><a name="z_Ref25629131"></a><a name="z_Toc118731621"></a><a name="z_Toc120550181"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.17</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Board Packages</u></font>.&#160; Salisbury shall distribute a copy of each Salisbury Board package,
        including the agenda and any draft minutes, to NBT at the same time and in the same manner in which it distributes a copy of such packages to the Salisbury Board; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided,




          however,</font> that Salisbury shall not be required to copy NBT on any documents that disclose confidential discussions of this Agreement or the transactions contemplated hereby or any third party proposal to acquire control of Salisbury or any
        other matter that the Salisbury Board has been advised of by counsel that such distribution to NBT may violate a confidentiality obligation, any material legal privilege or fiduciary duty or any law or regulation.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">47</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc24547144"></a><a name="z_Toc256000093"></a><a name="z_Ref25629132"></a><a name="z_Toc118731622"></a><a name="z_Toc120550182"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.18</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Transition; Informational Systems Conversion</u></font>.&#160; From and after the date hereof, NBT
        and Salisbury shall use their reasonable best efforts to facilitate the integration of Salisbury with the business of NBT following consummation of the transactions contemplated by this Agreement, and shall meet on a regular basis to discuss and
        plan for the conversion of Salisbury&#8217;s data processing and related electronic informational systems (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Informational Systems Conversion</u></font>&#8221;) to those used by NBT and its
        Subsidiaries, which planning shall include, but not be limited to: <a name="DocXTextRef334"></a>(a) discussion of Salisbury&#8217;s third-party service provider arrangements; <a name="DocXTextRef335"></a>(b) non-renewal of personal property leases and
        software licenses used by Salisbury in connection with its systems operations; <a name="DocXTextRef336"></a>(c) retention of outside consultants and additional employees to assist with the conversion; <a name="DocXTextRef337"></a>(d) outsourcing,
        as appropriate, of proprietary or self-provided system services; and (e) any other actions necessary and appropriate to facilitate the conversion, as soon as practicable following the Effective Time.&#160; If this Agreement is terminated by NBT and/or
        Salisbury in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(a)</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(c)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(f)</u></font>, or by Salisbury only in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(d)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(e)</u></font>, NBT shall pay to Salisbury all reasonable fees, expenses or charges related to reversing the Informational Systems Conversion within ten (10) Business Days of Salisbury providing NBT
        written evidence of such fees, expenses or charges.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Ref25629133"></a><a name="z_Toc118731623"></a><a name="z_Toc120550183"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section



          5.19</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Assumption of Debt</u></font>. NBT agrees to execute and deliver, or cause to be executed and delivered, by or on behalf of the Surviving Corporation, at or
        prior to the Effective Time, one or more supplemental indentures, guarantees, and other instruments required for the due assumption of the Salisbury&#8217;s outstanding debt, guarantees, securities, and other agreements to the extent required by the
        terms of such debt, guarantees, securities, and other agreements.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc118731624"></a><a name="z_Toc120550184"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.20</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Section 16 Matters</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">Prior to the Effective Time, each of the Salisbury Board and the NBT Board,
          or a committee of non-employee directors thereof (as such term is defined for purposes of Rule 16b-3(d) under the Exchange Act), shall take all such reasonable action as may be required to cause to be exempt from liability pursuant to Rule 16b-3
          under the Exchange Act, to the fullest extent permitted by applicable law, any acquisitions or dispositions of shares of NBT Stock (including derivative securities with respect to such shares) that are treated as acquisitions or dispositions
          under such rule and result from the transactions contemplated by this Agreement by officers and directors of Salisbury subject to the reporting requirements of Section 16(a) of the Exchange Act or by each individual who is reasonably expected to
          become subject to the reporting requirements of Section 16(a) of the Exchange Act with respect to NBT immediately after the Effective Time</font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; text-indent: 36pt;"><a name="z_Toc118731625"></a><a name="z_Toc120550185"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.21</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>NBT Bank Advisory Boards</u></font>. Promptly following the <font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">Effective Time, NBT Bank shall invite one
          or more directors of Salisbury who are members of the Salisbury Board immediately prior to the Effective Time to join the Hudson Valley/Capital Region Advisory Board of NBT Bank or the New England Advisory Board of NBT Bank; </font><font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic; color: rgb(0, 0, 0);">provided</font><font style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> that any director of Salisbury invited to join
          either the Hudson Valley/Capital Region Advisory Board of NBT Bank or the New England Advisory Board of NBT Bank must meet the applicable qualifications of such advisory board in order to join.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc118731627"></a><a name="z_Toc120550186"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 5.22</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Community Matters</u></font>. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">NBT agrees to support Salisbury&#8217;s and Salisbury Bank&#8217;s current and pending
          community matters support commitments and after the Effective Time shall provide annual community support in Salisbury&#8217;s and Salisbury Bank&#8217;s current market areas for a period of three years in an amount equal to or greater than the level of
          support provided by Salisbury and/or Salisbury Bank as of the date hereof</font>.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VI</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530085286"></a><a name="z_Ref530085316"></a><a name="z_Ref530085947"></a><a name="z_Ref530085976"></a><a name="z_Ref530085997"></a><a name="z_Ref530086077"></a><a name="z_Toc24547145"></a><a name="z_Toc256000094"></a><a name="z_Toc118731628"></a><a name="z_Toc120550187"></a>CONDITIONS TO CONSUMMATION OF THE MERGER</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530084394"></a><a name="z_Ref530084441"></a><a name="z_Ref530084472"></a><a name="z_Toc24547146"></a><a name="z_Toc256000095"></a><a name="z_Toc118731629"></a><a name="z_Toc120550188"></a><a name="z_Hlk108693726"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Conditions




            to Obligations of the Parties to Effect the Merger</u></font>.&#160; The respective obligations of Salisbury and NBT to consummate the Merger are subject to the fulfillment or, to the extent permitted by applicable law, written waiver by the parties
        hereto prior to the Closing Date of each of the following conditions:</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">48</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530083465"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Regulatory Approvals</u></font>.&#160; All Regulatory Approvals shall have been obtained and shall remain in full force and effect, any requirements contained in the Regulatory Approvals to be completed on
          or before the Closing Date shall have been completed, and all statutory waiting periods in respect thereof shall have expired or been terminated. No Regulatory Approvals referred to in this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.01(a)</u></font> shall contain any condition, restriction or requirement which the NBT Board, on the one hand, or the Salisbury Board, on the other hand, reasonably determines in good faith would,
          individually or in the aggregate, materially reduce the benefits of the Merger to such a degree that NBT, on the one hand, or Salisbury, on the other hand, would not have entered into this Agreement had such condition, restriction or requirement
          been known at the date hereof.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629134"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Merger Registration Statement Effective</u></font>.&#160; The Merger Registration Statement shall have been declared effective by the SEC and no stop order with respect thereto shall be in effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629136"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NASDAQ Listing</u></font>.&#160; The shares of NBT Stock issuable pursuant to this Agreement shall have been approved for listing on NASDAQ, subject to official notice of issuance.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Injunctions or Restraints; Illegality</u></font>.&#160; No judgment, order, injunction or decree issued by any court or agency of competent jurisdiction or other legal restraint or prohibition preventing the consummation of any of the
          transactions contemplated by this Agreement shall be in effect.&#160; No statute, rule, regulation, order, injunction or decree shall have been enacted, entered, promulgated or enforced by any Governmental Authority that prohibits or makes illegal the
          consummation of any of such transactions.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530082910"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax Opinions</u></font>.&#160; NBT shall have received a letter setting forth the written opinion of Hogan Lovells US LLP, in and form and substance reasonably satisfactory to NBT, dated as of the Closing
          Date, and Salisbury shall have received a letter setting forth the written opinion of Updike, Kelly &amp; Spellacy, P.C. in form and substance reasonably satisfactory to Salisbury, dated as of the Closing Date, in each case substantially to the
          effect that, on the basis of the facts, representations and assumptions set forth in such letter, the Merger will constitute a tax free reorganization described in <a name="DocXTextRef348"></a>Section 368(a) of the Code.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629139"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; This Agreement shall have been duly approved by the requisite vote of the holders of outstanding shares of Salisbury Stock.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530084406"></a><a name="z_Ref530084481"></a><a name="z_Toc24547147"></a><a name="z_Toc256000096"></a><a name="z_Toc118731630"></a><a name="z_Toc120550189"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Conditions to Obligations of NBT</u></font>.&#160; The obligations
        of NBT to consummate the Merger also are subject to the fulfillment or written waiver by NBT prior to the Closing Date of each of the following conditions:</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084036"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of Salisbury and Salisbury Bank set forth in this Agreement shall be true and correct in all material respects as of the
          date of this Agreement and (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>, that for purposes of this paragraph, such representations and warranties shall be deemed to be true and correct in all material respects unless the failure or failures of such representations and
          warranties to be so true and correct, either individually or in the aggregate, will have or are reasonably likely to have a Material Adverse Effect on Salisbury or the Surviving Corporation.&#160; NBT shall have received a certificate, dated the
          Closing Date, signed on behalf of Salisbury by the Chief Executive Officer of Salisbury to such effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084677"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Performance of Obligations of Salisbury</u></font>.&#160; Salisbury and Salisbury Bank shall have performed in all material respects all obligations required to be performed by it under this Agreement at or
          prior to the Closing Date, and NBT shall have received a certificate, dated the Closing Date, signed on behalf of Salisbury by the Chief Executive Officer of Salisbury to such effect.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">49</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629138"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Voting Agreements</u></font>.&#160; The Voting Agreements shall have been executed and delivered by each director and certain executive officers set forth on the <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule 6.02(c)</u></font> concurrently with Salisbury&#8217;s execution and delivery of this Agreement and shall remain in effect and not have been revoked as of the Effective Time.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629140"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Other Actions</u></font>.&#160; Salisbury shall have furnished NBT with such certificates of its officers or others and such other documents to evidence fulfillment of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.01</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.02</u></font> as NBT may reasonably request.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530084457"></a><a name="z_Ref530084492"></a><a name="z_Toc24547148"></a><a name="z_Toc256000097"></a><a name="z_Toc118731631"></a><a name="z_Toc120550190"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Conditions to Obligations of Salisbury</u></font>.&#160; The
        obligations of Salisbury to consummate the Merger also are subject to the fulfillment or written waiver by Salisbury prior to the Closing Date of each of the following conditions:</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084052"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Representations and Warranties</u></font>.&#160; The representations and warranties of NBT set forth in this Agreement shall be true and correct in all material respects as of the date of this Agreement and
          (except to the extent such representations and warranties speak as of an earlier date) as of the Closing Date as though made on and as of the Closing Date; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided,




            however</font>, that for purposes of this paragraph, such representations and warranties shall be deemed to be true and correct in all material respects unless the failure or failures of such representations and warranties to be so true and
          correct, either individually or in the aggregate, will have or are reasonably likely to have a Material Adverse Effect on NBT.&#160; Salisbury shall have received a certificate, dated the Closing Date, signed on behalf of NBT by the Chief Executive
          Officer and the Chief Financial Officer of NBT to such effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084696"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Performance of Obligations of NBT</u></font>.&#160; NBT shall have performed in all material respects all obligations required to be performed by it under this Agreement at or prior to the Closing Date, and
          Salisbury shall have received a certificate, dated the Closing Date, signed on behalf of NBT by the Chief Executive Officer and the Chief Financial Officer of NBT to such effect.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629143"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Other Actions</u></font>.&#160; NBT shall have furnished Salisbury with such certificates of its respective officers or others and such other documents to evidence fulfillment of the conditions set forth in
          <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.01</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.03</u></font> as Salisbury may reasonably
          request.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547149"></a><a name="z_Toc256000098"></a><a name="z_Ref25629144"></a><a name="z_Toc118731632"></a><a name="z_Toc120550191"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 6.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Frustration of Closing Conditions</u></font>.&#160; Neither NBT nor Salisbury may rely on the
        failure of any condition set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.01</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.02</u></font>
        or <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.03</u></font>, as the case may be, to be satisfied if such failure was caused by such party&#8217;s failure to use reasonable best efforts to consummate any
        of the transactions contemplated by this Agreement, as required by and subject to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VI</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VII</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530086100"></a><a name="z_Toc24547150"></a><a name="z_Toc256000099"></a><a name="z_Toc118731633"></a><a name="z_Toc120550192"></a>TERMINATION</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530084950"></a><a name="z_Toc24547151"></a><a name="z_Toc256000100"></a><a name="z_Toc118731634"></a><a name="z_Toc120550193"></a><a name="z_Hlk108694003"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Termination</u></font>.&#160; This Agreement may be terminated, and
        the transactions contemplated by this Agreement may be abandoned:</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084109"></a><a name="z_Hlk117433941"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Mutual Consent</u></font>.&#160; At any time prior to the Effective Time, by the mutual consent of NBT and Salisbury.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084137"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>No Regulatory Approval</u></font>.&#160; By NBT or Salisbury, in the event the approval of any Governmental Authority required for consummation of the transactions contemplated by this Agreement shall have
          been denied by final, nonappealable action by such Governmental Authority or an application therefor shall have been permanently withdrawn at the request of a Governmental Authority.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">50</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084157"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Shareholder Approval</u></font>.&#160; By either NBT or Salisbury (provided that if Salisbury is the terminating party it shall not be in material breach of any of its obligations under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.04</u></font>), if the approval of the shareholders required to satisfy either of the conditions set forth in <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(f)(i)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 6.01(f)(ii)</u></font> for the consummation of the transactions contemplated by this Agreement shall not have
          been obtained by reason of the failure to obtain the required vote at a duly held meeting of such Salisbury shareholders, or at any adjournment or postponement of the Salisbury Meeting.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084202"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(d)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Breach of Representations and Warranties</u></font>.&#160; By either NBT or Salisbury (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other
          agreement contained herein) if there shall have been a material breach of any of the representations or warranties set forth in this Agreement by the other party, which breach is not cured within thirty (30) days following written notice to the
          party committing such breach, or which breach, by its nature, cannot be cured prior to the Closing; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that neither party shall have the
          right to terminate this Agreement pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.01(d)</u></font> unless the breach of representation or warranty, together with all other such
          breaches, would entitle the party receiving such representation or warranty not to consummate the Merger under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.02(a)</u></font> (in the case of a breach
          of a representation or warranty by NBT) or <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.03(a)</u></font> (in the case of a breach of a representation or warranty by Salisbury or Salisbury Bank).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084215"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(e)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Breach of Covenants</u></font>.&#160; By either NBT or Salisbury (provided that the terminating party is not then in material breach of any representation, warranty, covenant or other agreement contained
          herein) if there shall have been a material breach of any of the covenants or agreements set forth in this Agreement on the part of the other party, which breach shall not have been cured within thirty (30) days following receipt by the breaching
          party of written notice of such breach from the other party hereto, or which breach, by its nature, cannot be cured prior to the Closing, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however</font>,
          that neither party shall have the right to terminate this Agreement pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.01(e)</u></font> unless the breach of covenant or agreement,
          together with all other such breaches, would entitle the party receiving the benefit of such covenant or agreement not to consummate the Merger under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section
              6.02(b)</u></font> (in the case of a breach of a covenant or agreement by Salisbury or Salisbury Bank) or <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 6.03(b)</u></font> (in the case of a breach
          of a representation or warranty by NBT).</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530084171"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(f)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Delay</u></font>.&#160; By either NBT or Salisbury if the Merger shall not have been consummated on or before October 31, 2023, unless the failure of the Closing to occur by such date shall be due to a
          material breach of this Agreement by the party seeking to terminate this Agreement.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629145"></a><a name="z_Ref530084328"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(g)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Failure to Recommend; Third-Party Acquisition Transaction; Etc</u></font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><a name="z_Ref25629146"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(i)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">By NBT,
          if <a name="DocXTextRef367"></a>(i) Salisbury shall have breached its obligations under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font>, (ii) the Salisbury Board shall have failed to
          make its recommendation referred to in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.04</u></font>, withdrawn such recommendation or modified or changed such recommendation in a manner adverse in any
          respect to the interests of NBT, (iii) the Salisbury Board shall have recommended, proposed, or publicly announced its intention to recommend or propose, to engage in an Acquisition Transaction with any Person other than NBT or a Subsidiary of
          NBT or (iv) Salisbury shall have materially breached its obligations under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.04</u></font> by failing to call, give notice of, convene and hold the
          Salisbury Meeting in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.04</u></font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; margin-left: 36pt;"><a name="z_Ref25629148"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(ii)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">By
          Salisbury, subject to Salisbury&#8217;s compliance with <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.02(a)</u></font> if Salisbury has received an Acquisition Proposal, and in accordance with <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.11</u></font> of this Agreement, the Salisbury Board has made a determination that such Acquisition Proposal is a Superior Proposal and has determined to
          accept such Superior Proposal.</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">51</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629149"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(h)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Decrease in NBT Stock Price</u></font>.&#160; By Salisbury, if both (i) the Average Closing Price is less than the product of the Starting Price <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied</font> by 0.80 (rounded to the nearest hundredth): and (ii) (A) the NBT Ratio is less than (B) the difference between (1) the Index Ratio <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">minus</font> (2) 0.20; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font>, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">however</font>, that
          Salisbury must elect to terminate this Agreement pursuant to this Section 7.02(h) by written notice (the &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Termination Notice</u></font>&#8221;) given to NBT within five (5) days after
          the Determination Date and that Salisbury&#8217;s right of termination shall be <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">subject to the right of NBT provided for below to increase the Exchange Ratio and/or make
            cash payments to holders of Salisbury Stock.&#160; During the five (5) day period immediately following the day on which NBT receives the Termination Notice (the &#8220;<u>Election Period</u>&#8221;), NBT shall have the right and option, in its sole and
            absolute discretion, to (x) increase the Exchange Ratio (calculated to the nearest one ten-thousandth), (y) provided that it does not and will not prevent or impede the Merger from qualifying as a &#8220;reorganization&#8221; within the meaning of Section
            368(a) of the Code, make cash payments to holders of Salisbury Stock, as additional Merger Consideration (in addition to, and not in lieu of, issuing shares of NBT Stock), or (z) provide any combination of the items set forth in the foregoing
            clauses (x) and (y), but subject to the limitations stated therein, such that, as a result of any such adjustment, the value of the Merger Consideration issuable or payable in respect of each share of Salisbury Stock is not less than the
            Minimum Per Share Merger Consideration. If NBT elects to increase the Exchange Ratio and/or make cash payments as aforesaid, NBT shall give written notice of such election (the &#8220;<u>Fill Notice</u>&#8221;) to Salisbury during the Election Period,
            which Fill Notice shall specify the amount of any such increase and/or cash payments, whereupon no termination of this Agreement shall occur, or be deemed to have occurred, pursuant to this Section 7.01(h) and this Agreement shall remain in
            full force and effect in accordance with its terms (with the Exchange Ratio modified and/or cash payments to be made, as additional Merger Consideration, in accordance with this Section 7.01(h) as set forth in the Fill Notice).&#160; If NBT does not
            timely elect to increase the Exchange Ratio and/or make cash payments as aforesaid, then Salisbury may terminate this Agreement at any time after the end of the Election Period.</font></font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">For purposes of this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(h)</u></font> the following terms shall have the
        meanings indicated:</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Average Closing Price</u></font>&#8221; shall mean the volume-weighted average closing
        price per share of NBT Stock as reported on NASDAQ (or such other exchange or market on which the NBT Stock shall then trade) for the ten (10) consecutive Trading Days ending on (and including) the Determination Date.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Ratio</u></font>&#8221; shall mean the quotient of (a) the Average Closing Price, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">divided by</font> (b) the Starting Price.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Determination Date</u></font>&#8221; shall mean that certain date which is the tenth
        (10th) day prior to the Closing Date.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Index Group</u></font>&#8221; shall mean the Nasdaq Bank Index.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Index Price</u></font>&#8221; shall mean, on a given date, the closing index value on such
        date for the Index Group.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Index Ratio</u></font>&#8221; shall mean the quotient of (a) the Index Price on the
        Determination Date, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">divided by</font> (b) the Initial Index Price.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Initial Index Price</u></font>&#8221; shall mean the closing index value of the Index
        Group on the Starting Date.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">52</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Minimum Per Share Merger Consideration</u></font>&#8221; shall mean the lesser of (a) the
        product of (i) the Exchange Ratio (prior to any increase in the Exchange Ratio pursuant to Section 7.01(h)), <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (ii) the Starting Price, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (iii) 0.80, and (b) (i) the product of (A) the Index Ratio <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">minus</font>
        0.20, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (B) the Exchange Ratio (prior to any increase in the Exchange Ratio pursuant to Section 7.01(h)), <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">multiplied by</font> (C) the Average Closing Price, <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">divided by</font> (ii) the NBT Ratio.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Starting Date</u></font>&#8221; shall mean the last Trading Day immediately preceding the
        date of the first public announcement of entry into this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Starting Price</u></font>&#8221; shall mean the closing price of a share of NBT Stock on
        NASDAQ (as reported by Bloomberg, or if not reported therein, in another authoritative source) on the Starting Date.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Trading Day</u></font>&#8221; means any day on which NASDAQ is open for trading with a
        scheduled and actual closing time of 4:00 p.m. Eastern time</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530085024"></a><a name="z_Ref530085083"></a><a name="z_Toc24547152"></a><a name="z_Toc256000101"></a><a name="z_Toc118731635"></a><a name="z_Toc120550194"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Termination Fee</u></font>.&#160; In recognition of the efforts, expenses and other opportunities foregone by NBT
        while structuring and pursuing the Merger, the parties hereto agree that Salisbury shall pay to NBT a termination fee of $8,000,000 within three (3) Business Days after written demand for payment is made by NBT, following the occurrence of any of
        the events set forth below: </div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629150"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">NBT or Salisbury
          terminates this Agreement pursuant to <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.01(g)(i)</u></font>; or</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref25629151"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">Salisbury or Salisbury
          Bank enters into a definitive agreement relating to an Acquisition Proposal or the consummation of an Acquisition Proposal involving Salisbury or Salisbury Bank within twelve (12) months following the termination of this Agreement by NBT pursuant
          to <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.01(d)</u></font> or <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.01(e)</u></font> because of a Willful
          Breach by Salisbury or Salisbury Bank after an Acquisition Proposal has been publicly announced or otherwise made known to Salisbury.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The amount payable by Salisbury pursuant to this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font> constitutes liquidated damages and not a penalty and shall be the sole monetary remedy of NBT in the event of a termination due to breach of this Agreement in
          the circumstances specified in this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font>.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><a name="z_Ref530085031"></a><a name="z_Toc24547153"></a><a name="z_Toc256000102"></a><a name="z_Toc118731636"></a><a name="z_Toc120550195"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 7.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Effect of Termination and Abandonment</u></font>.&#160; In the event of termination of this Agreement and the abandonment of the Merger pursuant to
        this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article VII</u></font>, no party to this Agreement shall have any liability or further obligation to any other party hereunder except <a name="DocXTextRef399"></a>(i)
        as set forth in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.01</u></font> and <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 8.01</u></font> and (ii) that
        termination will not relieve a breaching party from liability for money damages for any Willful Breach of any covenant, agreement, representation or warranty of this Agreement giving rise to such termination.&#160; Nothing in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.02</u></font> or this <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 7.03</u></font> shall be deemed to preclude either party from
        seeking specific performance in equity to enforce the terms of this Agreement. </div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE VIII</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Ref530086126"></a><a name="z_Toc24547154"></a><a name="z_Toc256000103"></a><a name="z_Toc118731637"></a><a name="z_Toc120550196"></a>MISCELLANEOUS</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Ref530085000"></a><a name="z_Toc24547155"></a><a name="z_Toc256000104"></a><a name="z_Toc118731638"></a><a name="z_Toc120550197"></a><a name="z_Hlk108694531"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Survival</u></font>.&#160; No representations, warranties,
        agreements and covenants contained in this Agreement shall survive the Effective Time (other than agreements or covenants contained herein that by their express terms are to be performed after the Effective Time) or the termination of this
        Agreement if this Agreement is terminated prior to the Effective Time (other than <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.10(b)</u></font>, <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Section 7.02</u></font> and this <font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Article VIII</u></font>, which shall survive any such termination).&#160; Notwithstanding anything in the foregoing to the contrary, no
        representations, warranties, agreements and covenants contained in this Agreement shall be deemed to be terminated or extinguished so as to deprive a party hereto or any of its affiliates of any defense at law or in equity which otherwise would be
        available against the claims of any Person, including without limitation any shareholder or former shareholder.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">53</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547156"></a><a name="z_Toc256000105"></a><a name="z_Ref25629152"></a><a name="z_Toc118731639"></a><a name="z_Toc120550198"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.02</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Waiver; Amendment</u></font>.&#160; Prior to the Effective Time, any provision of this Agreement
        may be <a name="DocXTextRef406"></a>(a) waived by the party benefited by the provision to the extent permitted by applicable law or <a name="DocXTextRef407"></a>(b) amended or modified at any time, by an agreement in writing among the parties
        hereto executed in the same manner as this Agreement, except that after the Salisbury Meeting no amendment shall be made which by law requires further approval by the shareholders of Salisbury or stockholders of NBT, respectively, without obtaining
        such approval.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547157"></a><a name="z_Toc256000106"></a><a name="z_Ref25629153"></a><a name="z_Toc118731640"></a><a name="z_Toc120550199"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.03</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Counterparts</u></font>.&#160; This Agreement may be executed in one or more counterparts, each of
        which shall be deemed to constitute an original.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547158"></a><a name="z_Toc256000107"></a><a name="z_Ref25629154"></a><a name="z_Toc118731641"></a><a name="z_Toc120550200"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.04</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Governing Law and Venue</u></font>.&#160; This Agreement shall be governed by, and interpreted in
        accordance with, the laws of the State of Delaware, without regard for conflict of law provisions. In addition, each of the parties hereto (a) consents to submit itself to the personal jurisdiction of the Delaware Court of Chancery, New Castle
        County, or if that court does not have jurisdiction, a federal court sitting in the State of Delaware in any action or proceeding arising out of or relating to this Agreement or any of the transactions contemplated by this Agreement, (b) agrees
        that it will not attempt to deny or defeat such personal jurisdiction by motion or other request for leave from any such court and (c) agrees that it will not bring any action relating to this Agreement or the transactions contemplated by this
        Agreement in any court other the Delaware Court of Chancery, New Castle County, or if that court does not have jurisdiction, a federal court sitting in the State of Delaware.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547159"></a><a name="z_Toc256000108"></a><a name="z_Ref25629155"></a><a name="z_Toc118731642"></a><a name="z_Toc120550201"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.05</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Expenses</u></font>.&#160; Each party hereto will bear all expenses incurred by it in connection
        with this Agreement and the transactions contemplated by this Agreement, including fees and expenses of its own financial consultants, accountants and legal counsel, except that printing expenses and SEC filing and registration fees shall be shared
        equally between NBT and Salisbury; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided, however,</font> that nothing contained herein shall limit either party&#8217;s rights to recover any liabilities or damages
        arising out of the other party&#8217;s Willful Breach of any provision of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547160"></a><a name="z_Toc256000109"></a><a name="z_Ref25629156"></a><a name="z_Toc118731643"></a><a name="z_Toc120550202"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.06</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Notices</u></font>.&#160; All notices, requests and other communications hereunder to a party shall
        be in writing and shall be deemed given if personally delivered, mailed by registered or certified mail (return receipt requested) or sent by reputable courier service to such party at its address set forth below or such other address as such party
        may specify by notice to the parties hereto.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If to NBT:</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">NBT Bancorp Inc.</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">52 South Broad Street</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Norwich, NY 13815</div>
      <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font> <font style="font-size: 10pt; font-family: 'Times New Roman';">John H. Watt, Jr.</font></div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email:&#160; jwatt@nbtbank.com</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With a copy to:</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Hogan Lovells US LLP</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">555 Thirteenth Street, N.W.</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Washington, DC 20004</div>
      <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font> <font style="font-size: 10pt; font-family: 'Times New Roman';">Richard A. Schaberg</font></div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: richard.schaberg@hoganlovells.com</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">54</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">If to Salisbury:</div>
      <div><br>
      </div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Bancorp, Inc.</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">5 Bissell Street</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">P.O. Box 1868</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Lakeville, CT 06039-1868</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Attention: Richard J. Cantele, Jr.</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Email:rcantele@salisburybank.com</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">With a copy to:</div>
      <div style="text-align: left; margin-left: 24.45pt; font-family: 'Times New Roman'; font-size: 10pt;">Updike, Kelly &amp; Spellacy, P.C.</div>
      <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">225 Asylum Street, 20th Floor</div>
      <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Hartford, CT 06103</div>
      <div style="text-align: left; margin-left: 24.45pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">Attention:</font> <font style="font-size: 10pt; font-family: 'Times New Roman';">Jennifer DiBella</font></div>
      <div style="text-align: left; margin-left: 24.5pt; font-family: 'Times New Roman'; font-size: 10pt;">Email: jdibella@uks.com</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547161"></a><a name="z_Toc256000110"></a><a name="z_Ref25629157"></a><a name="z_Toc118731644"></a><a name="z_Toc120550203"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.07</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Entire Understanding; No Third-Party Beneficiaries</u></font>.&#160; This Agreement, the Plan of
        Bank Merger, the Voting Agreements and the Confidentiality Agreement represent the entire understanding of the parties hereto and thereto with reference to the transactions, and this Agreement, the Plan of Bank Merger, the Voting Agreements and the
        Confidentiality Agreement supersede any and all other oral or written agreements heretofore made.&#160; Except for the Indemnified Parties&#8217; right to enforce NBT&#8217;s obligation under <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Section 5.13</u></font>, which are expressly intended to be for the irrevocable benefit of, and shall be enforceable by, each Indemnified Party and his or her heirs and representatives, nothing in this Agreement, expressed or
        implied, is intended to confer upon any Person, other than the parties hereto or their respective successors, any rights, remedies, obligations or liabilities under or by reason of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547162"></a><a name="z_Toc256000111"></a><a name="z_Ref25629158"></a><a name="z_Toc118731645"></a><a name="z_Toc120550204"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.08</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Severability</u></font>.&#160; In the event that any one or more provisions of this Agreement shall
        for any reason be held invalid, illegal or unenforceable in any respect, by any court of competent jurisdiction, such invalidity, illegality or unenforceability shall not affect any other provisions of this Agreement and the parties shall use their
        reasonable efforts to substitute a valid, legal and enforceable provision which, insofar as practical, implements the purposes and intents of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547163"></a><a name="z_Toc256000112"></a><a name="z_Ref25629159"></a><a name="z_Toc118731646"></a><a name="z_Toc120550205"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.09</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Enforcement of the Agreement</u></font>.&#160; The parties hereto agree that irreparable damage
        would occur in the event that any of the provisions of this Agreement were not performed in accordance with their specific terms or were otherwise breached.&#160; It is accordingly agreed that the parties shall be entitled to seek an injunction or
        injunctions to prevent breaches of this Agreement and to enforce specifically the terms and provisions hereof in any court of the United States or any state having jurisdiction, this being in addition to any other remedy to which they are entitled
        at law or in equity. Each of the parties hereby further waives (a) any defense in any action for specific performance that a remedy at law would be adequate, and (b) any requirement under any law to post security or a bond as a prerequisite to
        obtaining equitable relief.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547164"></a><a name="z_Toc256000113"></a><a name="z_Ref25629160"></a><a name="z_Toc118731647"></a><a name="z_Toc120550206"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.10</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Interpretation</u></font>.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(a)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Interpretation.</u></font> When a reference is made in this Agreement to sections, exhibits or <a name="DocXTextRef409"></a>schedules, such reference shall be to a section of, or exhibit or schedule to, this Agreement unless
          otherwise indicated.&#160; The table of contents and headings contained in this Agreement are for reference purposes only and are not part of this Agreement.&#160; Whenever the words &#8220;include,&#8221; &#8220;includes&#8221; or &#8220;including&#8221; are used in this Agreement, they
          shall be deemed to be followed by the words &#8220;without limitation.&#8221;</font></div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">55</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(b)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';"><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Confidential Supervisory Information</u></font>. No representation, warranty, covenant or other agreement or provision contained in this Agreement shall be deemed to contemplate or require the disclosure of &#8220;confidential supervisory
          information,&#8221; &#8220;nonpublic OCC information,&#8221; or other similar types of protected information, as such terms are defined in the regulations of any applicable &#8220;Bank Regulator&#8221; or Governmental Authority.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt;"><font style="font-size: 10pt; font-family: 'Times New Roman';">(c)</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-size: 10pt; font-family: 'Times New Roman';">The term &#8220;made available&#8221; means any document or other
          information that was (a) provided by one party or its representatives to the other party and its representatives by 5:00 p.m., Eastern time, on the day immediately prior to the date of this Agreement, (b) included in the virtual data room of a
          party by 5:00 p.m., Eastern time, on the day immediately prior to the date of this Agreement, or (c) filed or furnished by a party with the SEC and publicly available on EDGAR at least one (1) day prior to the date of this Agreement.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547165"></a><a name="z_Toc256000114"></a><a name="z_Ref25629161"></a><a name="z_Toc118731648"></a><a name="z_Toc120550207"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.11</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Assignment</u></font>.&#160; No party may assign either this Agreement or any of its rights,
        interests or obligations hereunder without the prior written approval of the other party.&#160; Subject to the preceding sentence, this Agreement shall be binding upon and shall inure to the benefit of the parties hereto and their respective successors
        and permitted assigns.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc118731649"></a><a name="z_Toc120550208"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.12</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Waiver of Jury Trial</u></font>.&#160; EACH PARTY HERETO HEREBY WAIVES TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM BROUGHT BY ANY OF THEM AGAINST THE OTHER ARISING OUT OF OR IN
        ANY WAY CONNECTED WITH THIS AGREEMENT, OR ANY OTHER AGREEMENTS EXECUTED IN CONNECTION HEREWITH, OR THE ADMINISTRATION THEREOF OR ANY OF THE TRANSACTIONS CONTEMPLATED HEREIN OR THEREIN. NO PARTY TO THIS AGREEMENT SHALL SEEK A JURY TRIAL IN ANY
        LAWSUIT, PROCEEDING, COUNTERCLAIM, OR ANY OTHER ACTION OR PROCEDURE BASED UPON, OR ARISING OUT OF, THIS AGREEMENT OR ANY RELATED INSTRUMENTS OR THE RELATIONSHIP BETWEEN THE PARTIES. NO PARTY WILL SEEK TO CONSOLIDATE ANY SUCH ACTION, IN WHICH A JURY
        TRIAL HAS BEEN WAIVED, WITH ANY OTHER ACTION IN WHICH A JURY TRIAL CANNOT BE OR HAS NOT BEEN WAIVED. THE PROVISIONS OF THIS SECTION HAVE BEEN FULLY DISCUSSED BY THE PARTIES HERETO, AND THESE PROVISIONS SHALL BE SUBJECT TO NO EXCEPTIONS. NO PARTY
        HAS IN ANY WAY AGREED WITH OR REPRESENTED TO ANY OTHER PARTY THAT THE PROVISIONS OF THIS SECTION WILL NOT BE FULLY ENFORCED IN ALL INSTANCES.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc118731650"></a><a name="z_Toc120550209"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 8.13</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Electronic Transmission</u></font>.&#160; This Agreement and any signed agreement or instrument entered into in connection with this Agreement, and any amendments or waivers hereto or
        thereto, to the extent signed and delivered by means of a facsimile machine or by e-mail delivery of a &#8220;.pdf&#8221; format data file, shall be treated in all manner and respects as an original agreement or instrument and shall be considered to have the
        same binding legal effect as if it were the original signed version thereof delivered in person. No party hereto or to any such agreement or instrument shall raise the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file to
        deliver a signature to this Agreement or any amendment hereto or the fact that any signature or agreement or instrument was transmitted or communicated through the use of a facsimile machine or e-mail delivery of a &#8220;.pdf&#8221; format data file as a
        defense to the formation of a contract and each party hereto forever waives any such defense.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ARTICLE IX</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><a name="z_Toc24547166"></a><a name="z_Toc256000115"></a><a name="z_Ref25629162"></a><a name="z_Toc118731651"></a><a name="z_Toc120550210"></a>ADDITIONAL




        DEFINITIONS</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Toc24547167"></a><a name="z_Toc256000116"></a><a name="z_Ref25629163"></a><a name="z_Toc118731652"></a><a name="z_Toc120550211"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">Section 9.01</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-family: 'Times New Roman'; font-size: 10pt;"><u>Additional Definitions</u></font>.&#160; In addition to any other definitions contained in this
        Agreement, the following words, terms and phrases shall have the following meanings when used in this Agreement:</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">56</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk108694782"></a>&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisition Proposal</u></font>&#8221; means any proposal or
        offer with respect to any of the following (other than the transactions contemplated hereunder) involving Salisbury or Salisbury Bank: <a name="DocXTextRef410"></a>(a) any merger, consolidation, share exchange, business combination or other
        similar transactions; <a name="DocXTextRef411"></a>(b) any sale, lease, exchange, mortgage, pledge, transfer or other disposition of assets and/or liabilities that constitute a substantial portion of the net revenues, net income or assets of
        Salisbury or Salisbury Bank in a single transaction or series of transactions; <a name="DocXTextRef412"></a>(c) any tender offer or exchange offer for 25% or more of the outstanding shares of its capital stock or the filing of a registration
        statement under the Securities Act in connection therewith; or <a name="DocXTextRef413"></a>(d) any public announcement by any Person (which shall include any regulatory application or notice, whether in draft or final form) of a proposal, plan or
        intention to do any of the foregoing or any agreement to engage in any of the foregoing.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Acquisition Transaction</u></font>&#8221; means any of the following (other than the
        transactions contemplated hereunder): <a name="DocXTextRef414"></a>(a) a merger, consolidation, share exchange, business combination or any similar transaction, involving the relevant companies; <a name="DocXTextRef415"></a>(b) a sale, lease,
        exchange, mortgage, pledge, transfer or other disposition of assets and/or liabilities that constitute a substantial portion of the net revenues, net income or assets of the relevant companies in a single transaction or series of transactions; <a name="DocXTextRef416"></a>(c) a tender offer or exchange offer for 25% or more of the outstanding shares of the capital stock of the relevant companies or the filing of a registration statement under the Securities Act in connection therewith; or
        <a name="DocXTextRef417"></a>(d) an agreement or commitment by the relevant companies to take any action referenced above.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Affiliate</u></font>&#8221; means, with respect to any Person, any person that directly,
        or indirectly through one or more intermediaries, controls, is controlled by, or is under common control with, such Person and, without limiting the generality of the foregoing, includes any executive officer, director, manager or Person who
        beneficially owns more than ten percent of the equity or voting securities of such Person.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Bank Regulator</u></font>&#8221; shall mean any Federal or state banking regulator,
        including but not limited to the FDIC, the CTDOB, the OCC and the FRB, which regulates NBT, NBT Bank, Salisbury or Salisbury Bank, or any of their respective subsidiaries, as the case may be.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Business Day</u></font>&#8221; means Monday through Friday of each week, except a legal
        holiday recognized as such by the U.S. government or any day on which banking institutions in the State of New York are authorized or obligated to close.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>CTDOB</u></font>&#8221; means the Connecticut Department of Banking.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Derivative Transaction</u></font>&#8221; means any swap transaction, option, warrant,
        forward purchase or forward sale transaction, futures transaction, cap transaction, floor transaction or collar transaction relating to one or more currencies, commodities, bonds, equity securities, loans, interest rates, catastrophe events,
        weather-related events, credit&#8209;related events or conditions or any indexes, or any other similar transaction (including any option with respect to any of these transactions) or combination of any of these transactions, including collateralized
        mortgage obligations or other similar instruments or any debt or equity instruments evidencing or embedding any such types of transactions, and any related credit support, collateral or other similar arrangements related to such transactions.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Environmental Law</u></font>&#8221; means any federal, state or local law, regulation,
        order, decree, permit, authorization, opinion or agency requirement relating to: <a name="DocXTextRef420"></a>(a) the protection or restoration of the environment, health, safety, or natural resources, <a name="DocXTextRef421"></a>(b) the
        handling, use, presence, disposal, release or threatened release of any Hazardous Substance or <a name="DocXTextRef422"></a>(c) wetlands, indoor air, pollution, contamination or any injury or threat of injury to persons or property in connection
        with any Hazardous Substance, in each case as amended and as now in effect.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">57</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>ERISA</u></font>&#8221; means the Employee Retirement Income Security Act of 1974, as
        amended.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Exchange Act</u></font>&#8221; means the Securities Exchange Act of 1934, as amended, and
        the rules and regulations thereunder.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FDIC</u></font>&#8221; means the Federal Deposit Insurance Corporation.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FHLBB</u></font>&#8221; means the Federal Home Loan Bank of Boston, or any successor
        thereto</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FHLBNY</u></font>&#8221; means the Federal Home Loan Bank of New York, or any successor
        thereto.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>FRB</u></font>&#8221; means the Board of Governors of the Federal Reserve System.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>GAAP</u></font>&#8221; means accounting principles generally accepted in the United States
        of America.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Governmental Authority</u></font>&#8221; means any federal, state or local court,
        administrative agency or commission or other governmental authority or instrumentality.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Hazardous Substance</u></font>&#8221; means any and all substances (whether solid, liquid
        or gas) defined, currently or hereafter listed, or otherwise classified as pollutants, hazardous wastes, hazardous substances, hazardous materials, extremely hazardous wastes, or words of similar meaning or regulatory effect under any present
        Environmental Laws, including but not limited to petroleum and petroleum products, asbestos and asbestos-containing materials, polychlorinated biphenyls, lead, radon, radioactive materials, flammables and explosives, mold, mycotoxins, microbial
        matter and airborne pathogens (naturally occurring or otherwise), but excluding substances of kinds and in amounts ordinarily and customarily used or stored in similar properties for the purposes of cleaning or other maintenance or operations.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Intellectual Property</u></font>&#8221; means <a name="DocXTextRef424"></a>(a)
        trademarks, service marks, trade names, Internet domain names, designs, logos, slogans, and general intangibles of like nature, together with all goodwill associated therewith, registrations and applications related to the foregoing; <a name="DocXTextRef425"></a>(b) patents and industrial designs (including any continuations, divisionals, continuations-in-part, renewals, reissues, and applications for any of the foregoing); <a name="DocXTextRef426"></a>(c) copyrights (including
        any registrations and applications for any of the foregoing); <a name="DocXTextRef427"></a>(d) Software; and (e) technology, trade secrets and other confidential information, know-how, proprietary processes, formulae, algorithms, models, and
        methodologies.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>IRS</u></font>&#8221; means the Internal Revenue Service.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Knowledge</u></font>&#8221; as used with respect to a Person (including references to such
        Person being aware of a particular matter) means the actual knowledge after reasonable inquiry of the President and Chief Executive Officer, the Chief Financial Officer, the Chief Lending Officer, the Corporate Secretary and the Chief Risk Officer,
        in the case of Salisbury, and the President and Chief Executive Officer, the Chief Financial Officer, the General Counsel and the Chief Risk Officer, in the case of NBT.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Lien</u></font>&#8221; means, with respect to any asset, <a name="DocXTextRef429"></a>(a)
        any mortgage, deed of trust, lien, pledge, hypothecation, encumbrance, charge or security interest in, on or of such asset, <a name="DocXTextRef430"></a>(b) the interest of a vendor or a lessor under any conditional sale agreement, capital lease
        or title retention agreement relating to such asset and <a name="DocXTextRef431"></a>(c) in the case of securities, any purchase option, call or preemptive right, right of first refusal or similar right of a third party with respect to such
        securities.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">58</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Material Adverse Effect</u></font>&#8221; means, with respect to NBT or Salisbury,
        respectively, any effect that <a name="DocXTextRef432"></a>(i) is material and adverse to the financial condition, results of operations or business of NBT and its Subsidiaries taken as a whole, or Salisbury and its Subsidiaries taken as a whole,
        respectively, or (ii) materially impairs the ability of either NBT or NBT Bank, on the one hand, or Salisbury or Salisbury Bank, on the other hand, to perform its obligations under this Agreement or otherwise materially threaten or materially
        impede the consummation of the transactions contemplated by this Agreement; <font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that &#8220;Material Adverse Effect&#8221; shall not be deemed to include the impact
        of <a name="DocXTextRef433"></a>(A) changes, after the date hereof, in GAAP or applicable regulatory accounting requirements, <a name="DocXTextRef434"></a>(B) changes, after the date hereof, in laws, rules or regulations of general applicability
        to financial institutions and/or their holding companies, or interpretations thereof by courts or any Bank Regulator or Governmental Authorities, <a name="DocXTextRef435"></a>(C) changes, after the date hereof, in global, national or regional
        political conditions (including the outbreak of war or acts of terrorism) or in economic or market (including equity, credit and debt markets, as well as changes in interest rates) conditions affecting the financial services industry generally and
        not specifically relating to such party or its Subsidiaries (including any such changes arising out of the Pandemic or any Pandemic Measures), <a name="DocXTextRef436"></a>(D) changes, a<font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">fter the date hereof, resulting from hurricanes, earthquakes, tornados, floods or other natural disasters or from any outbreak of any disease or other public health event (including the Pandemic), (E) public</font> disclosure of
        the execution of this Agreement, public disclosure or consummation of the transactions contemplated hereby (including any effect on a party&#8217;s relationships with its customers or employees) or actions expressly required by this Agreement or actions
        or omissions that are taken with the prior written consent of the other party in contemplation of the transactions contemplated hereby, (F) a decline in the trading price of a party&#8217;s common stock or the failure, in and of itself, to meet earnings
        projections or internal financial forecasts (it being understood that the underlying cause of such decline or failure may be taken into account in determining whether a Material Adverse Effect has occurred), <a name="DocXTextRef438"></a>(G)
        actions and omissions of either party taken with the prior written consent, or at the request, of the other, <a name="DocXTextRef439"></a>(H) any failure by either party to meet any internal projections or forecasts or estimates of revenues or
        earnings for any period, <a name="DocXTextRef440"></a>or (I) the expenses incurred by either party in investigating, negotiating, documenting, effecting and consummating the transactions contemplated by this Agreement; except, with respect to
        subclauses (A), <a name="DocXTextRef441"></a>(B), or <a name="DocXTextRef442"></a>(C), to the extent that the effects of such change are materially disproportionately adverse to the business, properties, assets, liabilities, results of operations
        or financial condition of such party and its Subsidiaries, taken as a whole, as compared to other companies in the financial services industry.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NASDAQ</u></font>&#8221; means The NASDAQ Stock Market LLC.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Board</u></font>&#8221; means the Board of Directors of NBT.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Disclosure Schedule</u></font>&#8221; means the disclosure schedule delivered by NBT
        to Salisbury on or prior to the date hereof setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express provision of this Agreement or as an exception to one or more of its
        representations and warranties in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article IV</u></font> or its covenants in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article




            V</u></font><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>&#160;</u></font>(<font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that (i) any information set forth in any one section
        of the NBT Disclosure Schedule shall be deemed to apply to each other applicable Section or subsection of such NBT Disclosure Schedule if its relevance to the information called for in such Section or subsection is reasonably apparent on its face
        and (ii) the mere inclusion of an item in the NBT Disclosure Schedule shall not be deemed an admission by NBT that such item represents a material exception or fact, event or circumstance or that such item would reasonably be expected to result in
        a Material Adverse Effect on NBT).</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>NBT Stock</u></font>&#8221; means the common stock, par value $0.01 per share, of NBT.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>OCC</u></font>&#8221; means the Office of the Comptroller of the Currency.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">59</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Pandemic</u></font>&#8221; means any outbreaks, epidemics or pandemics relating to
        SARS-CoV-2 or Covid-19, or any variants, evolutions or mutations thereof, or any other viruses (including influenza), and the governmental and other responses thereto.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Pandemic Measures</u></font>&#8221; means any quarantine, &#8220;shelter in place,&#8221; &#8220;stay at
        home,&#8221; workforce reduction, social distancing, shutdown, closure, sequester or other laws, directives, policies, guidelines or recommendations promulgated by any Governmental Authority, including the Centers for Disease Control and Prevention and
        the World Health Organization, in each case, in connection with or in response to a Pandemic.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Per Share Consideration</u></font>&#8221; means the product of (a) the Exchange Ratio and
        (b) the NBT Measurement Price.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Person</u></font>&#8221; means any individual, bank, corporation, partnership,
        association, joint-stock company, business trust, limited liability company, unincorporated organization or other organization or firm of any kind or nature.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Proxy Statement/Prospectus</u></font>&#8221; means the proxy statement and prospectus,
        satisfying all applicable requirements of applicable state securities and banking laws, and of the Securities Act, and the rules and regulations thereunder, together with any amendments and supplements thereto, as prepared by NBT and Salisbury and
        as delivered to holders of NBT Stock and holders of Salisbury Stock in connection with the solicitation of their approval of this Agreement.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Rights</u></font>&#8221; means, with respect to any Person, warrants, options, rights,
        convertible securities and other arrangements or commitments which obligate the Person to issue or dispose of any of its capital stock or other ownership interests or any stock appreciation, phantom stock or similar rights with respect to such
        capital stock or other ownership interests.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Bank Board</u></font>&#8221; means the Board of Directors of Salisbury Bank.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Bank ESOP</u></font>&#8221; means the Salisbury Bank and Trust Company Employee
        Stock Ownership Plan.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Board</u></font>&#8221; means the Board of Directors of Salisbury.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Disclosure Schedule</u></font>&#8221; means the disclosure schedule delivered by
        Salisbury to NBT on or prior to the date hereof setting forth, among other things, items the disclosure of which is necessary or appropriate either in response to an express provision of this Agreement or as an exception to one or more of its
        representations and warranties in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article III</u></font> or its covenants in <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;"><u>Article




            V</u></font><font style="font-size: 10pt; font-family: 'Times New Roman';"><u>&#160;</u></font>(<font style="font-size: 10pt; font-family: 'Times New Roman'; font-style: italic;">provided</font> that (i) any information set forth in any one section
        of the Salisbury Disclosure Schedule shall be deemed to apply to each other applicable Section or subsection of such Salisbury Disclosure Schedule if its relevance to the information called for in such Section or subsection is reasonably apparent
        on its face and (ii) the mere inclusion of an item in the Salisbury Disclosure Schedule shall not be deemed an admission by Salisbury that such item represents a material exception or fact, event or circumstance or that such item would reasonably
        be expected to result in a Material Adverse Effect on Salisbury).</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Equity Plan</u></font>&#8221; means, individually and collectively, the
        Salisbury Bancorp, Inc. 2017 Long Term Incentive Plan and any other equity incentive plans or arrangements pursuant to which Salisbury has or may have any obligation.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">60</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Intellectual Property</u></font>&#8221; means the Intellectual Property used in
        or held for use in the conduct of the business of Salisbury or any of its Subsidiaries.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Salisbury Financial Statements</u></font>&#8221; means (i) the audited balance sheets
        (including related notes and schedules, if any) of Salisbury as of December 31, 2021 and <a name="DocXTextRef86"></a>2020, and the related statements of income, shareholders&#8217; equity and cash flows (including related notes and schedules, if any) of
        Salisbury for each of the fiscal years ended December 31, 2021 and 2020, in each case accompanied by the audit report of Baker Newman &amp; Noyes LLC, the independent registered public accounting firm of Salisbury, and (ii) the unaudited interim
        financial statements of Salisbury as of the end of and for the period ending each calendar quarter following December 31, 2021, as filed by Salisbury in the Salisbury SEC Documents.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Securities Act</u></font>&#8221; means the Securities Act of 1933, as amended, and the
        rules and regulations promulgated thereunder.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Software</u></font>&#8221; means computer programs, whether in source code or object code
        form (including any and all software implementation of algorithms, models and methodologies), databases and compilations (including any and all data and collections of data), and all documentation (including user manuals and training materials)
        related to the foregoing.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Subsidiary</u></font>&#8221; means, with respect to any party, any corporation or other
        entity of which a majority of the capital stock or other ownership interest having ordinary voting power to elect a majority of the board of directors or other persons performing similar functions are at the time directly or indirectly owned by
        such party.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Superior Proposal</u></font>&#8221; means any bona fide written proposal made by a third
        party to acquire, directly or indirectly, including pursuant to a tender offer, exchange offer, merger, consolidation, business combination, recapitalization, liquidation, dissolution or similar transaction, for consideration consisting of cash
        and/or securities, more than 25% of the combined voting power of the shares of Salisbury Stock then outstanding or all or substantially all of the assets of Salisbury and otherwise <a name="DocXTextRef445"></a>(a) on terms which the Salisbury
        Board determines in good faith, after consultation with its financial advisor, to be more favorable from a financial point of view to Salisbury&#8217;s shareholders than the transactions contemplated by this Agreement, and <a name="DocXTextRef446"></a>(b)




        that constitutes a transaction that, in the Salisbury Board&#8217;s good faith judgment, is reasonably likely to be consummated on the terms set forth, taking into account all legal, financial, regulatory and other aspects of such proposal.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax</u></font>&#8221; and &#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Taxes</u></font>&#8221;
        mean all federal, state, local or foreign income, gross income, gains, gross receipts, sales, use, ad valorem, goods and services, capital, production, transfer, franchise, windfall profits, license, withholding, payroll, employment, disability,
        employer health, excise, estimated, severance, stamp, occupation, property, environmental, custom duties, unemployment or other taxes of any kind whatsoever, together with any interest, additions or penalties thereto and any interest in respect of
        such interest and penalties.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Tax Returns</u></font>&#8221; means any return, declaration or other report (including
        elections, declarations, <a name="DocXTextRef447"></a>schedules, estimates and information returns) with respect to any Taxes.</div>
      <div>&#160;</div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>WARN Act</u></font>&#8221; means the federal Worker Adjustment and Retraining Notification
        Act of 1988, as amended, any state law analogs or statutes of similar effect, including any statutes that require advance notice of plant closings, mass layoffs or similar group personnel or employment actions.</div>
      <div>&#160;</div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">61</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;<font style="font-size: 10pt; font-family: 'Times New Roman';"><u>Willful Breach</u></font>&#8221; means a deliberate act or a deliberate failure to act,
        taken or not taken if the Person reasonably should have known or had actual Knowledge that such act or failure to act would result in or constitute a material breach of this Agreement, regardless of whether breaching was the object of the act or
        failure to act.</div>
      <div>&#160;</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">(Remainder of page intentionally left blank.)</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;"> <br>
      </div>
      <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
        <div style="text-align: center;" class="BRPFPageNumberArea"><font style="font-family: 'Times New Roman'; font-size: 8pt; font-weight: normal; font-style: normal;">62</font></div>
        <div class="BRPFPageBreak" style="page-break-after: always;">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><font style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">IN WITNESS WHEREOF</font>, the parties hereto have caused this
        Agreement to be executed in counterparts by their duly authorized officers, all as of the day and year first above written.</div>
      <div style="text-align: left;"><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" id="z334781a5c4284eb0a4c9cba22d0e058d" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP INC.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: middle;">&#160;</td>
            <td style="vertical-align: middle;" colspan="2">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ John H. Watt, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">John H. Watt, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="zb1e7c46cca324e0caf3febe9e16a49e6" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANK, N.A.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: middle;">&#160;</td>
            <td style="vertical-align: middle;" colspan="2">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ John H. Watt, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">John H. Watt, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" id="z95382b96b198424ca6ff0f8512aa8099" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1">&#160;</td>
            <td style="vertical-align: middle;" colspan="3">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SALISBURY BANCORP, INC.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: middle;">&#160;</td>
            <td style="vertical-align: middle;" colspan="2">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ Richard J. Cantele, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Richard J. Cantele, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1">&#160;</td>
            <td style="vertical-align: middle;" colspan="3">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="vertical-align: top;" colspan="3">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SALISBURY BANK AND TRUST COMPANY</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: middle;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: middle;">&#160;</td>
            <td style="vertical-align: middle;" colspan="2">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">By:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">&#160;</td>
            <td style="width: 44%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">/s/ Richard J. Cantele, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Name:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Richard J. Cantele, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 50%; vertical-align: top;" colspan="1">&#160;</td>
            <td style="width: 5%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Title:</div>
            </td>
            <td style="width: 1%; vertical-align: bottom;">&#160;</td>
            <td style="width: 44%; vertical-align: bottom;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">President and Chief Executive Officer</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">[Signature Page to Agreement and Plan of Merger]</div>
      <div><br>
      </div>
      <div style="text-align: left;"><br>
      </div>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
  </div>
  <font style="font-size: 10pt;"> </font>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>brhc10045075_ex99-1.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions, Inc
         Document created using Broadridge PROfile 22.10.2.5096
         Copyright 1995 - 2022 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div>
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
    <div>
      <div style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Exhibit 99.1</div>
      <div><br>
      </div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z0d1e3d297f0d4779908b7a17dfff36a5">

          <tr>
            <td style="width: 50%; vertical-align: middle;">
              <div style="text-align: center;"><img src="image02.jpg"></div>
            </td>
            <td style="width: 50%; vertical-align: middle;">
              <div style="text-align: center;"><img src="image01.jpg"></div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">FOR IMMEDIATE RELEASE</div>
      <div><br>
      </div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">NBT BANCORP AND SALISBURY BANCORP</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">ANNOUNCE AGREEMENT TO MERGE</div>
      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"> <br>
      </div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8566891fdbaa45718b80008a2f17e7ce">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Natural Extension into Attractive Contiguous Markets with High-Quality Partner</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6ec466fede2f4328962195bb23020028">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Additional Scale in Combined Connecticut Footprint</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9d46fa0bdfa9457a9735283b2e687698">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Expansion into Hudson Valley Region of Upstate New York&#8217;s &#8220;Chip Corridor&#8221;</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z93dc99cc17954fea900693ecb41894c8">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Immediate Market Premium to Salisbury Shareholders and an approximate 40% dividend improvement; Strong Earnings Accretion to Combined Shareholder Base</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z62ec0ffbfbe94becb8f57f8e8abb3be7">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Benefits of Additional Scale and Operating Leverage; Complementary Wealth Advisory Businesses and Increased Fee-Based Revenue</div>
            </td>
          </tr>

      </table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z46ab5cfbe7ed466885a0bba3f36e22b3">

          <tr>
            <td style="width: 18pt; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>
            <td style="width: auto; vertical-align: top; text-align: left;">
              <div style="font-family: 'Times New Roman'; font-size: 10pt;">Consistent Business Models and Strong Cultural Alignment</div>
            </td>
          </tr>

      </table>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NORWICH, N.Y. AND LAKEVILLE, Conn., (Dec. 05, 2022) &#8211; NBT Bancorp Inc. (NBT) (NASDAQ: NBTB) and Salisbury Bancorp, Inc. (Salisbury) (NASDAQ: SAL) announced today that
        they have entered into a definitive agreement pursuant to which Salisbury will merge with and into NBT. The merger consideration is 100% stock and is valued at approximately $204 million and is expected to close in the second quarter of 2023 <a name="z_Hlk120743255"></a>subject to customary closing conditions, including approval by the shareholders of Salisbury and required regulatory approvals. The combination, approved unanimously by the boards of directors of both companies, will
        provide market extension for both institutions and join two high-quality franchises with long histories of service to their customers and communities.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury is a premier community bank franchise headquartered in Lakeville, CT and had assets of $1.51 billion, deposits of $1.33 billion, and net loans of $1.18 billion
        as of September 30, 2022. Its primary subsidiary, Salisbury Bank and Trust Company, is a Connecticut-chartered commercial bank with 14 banking offices in northwestern Connecticut, the Hudson Valley region of New York and southwestern Massachusetts.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk120717765"></a>Under the terms of the merger agreement, each outstanding share of Salisbury common stock will be converted into the right to receive 0.7450
        shares of NBT common stock upon completion of the merger, which equates to a value of $35.00 per Salisbury share and based on NBT&#8217;s volume-weighted average closing stock price of $46.98 for the 10-day trading period ending on November 29, 2022. The
        transaction is intended to qualify as a reorganization for federal income tax purposes, and as a result, the receipt of NBT common stock by shareholders of Salisbury is expected to be tax-free.</div>
      <div>&#160;</div>
      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">NBT expects the transaction to be approximately 9.8% accretive to first full-year proforma GAAP earnings per share after close and 4.9% per share
        accretive to cash earnings excluding the impact of purchase accounting adjustments, including fair value marks to securities and loans and the establishment of a core deposit intangible asset.</div>
      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <!--PROfilePageNumberReset%Num%2%%%-->
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;We are very excited to partner with Salisbury and to extend our footprint into their attractive and complementary markets,&#8221; said NBT President and CEO John H. Watt, Jr.
        &#8220;Importantly, the organizational values upheld by the Salisbury team align very well with those of NBT. We look forward to welcoming these dedicated financial professionals to NBT and growing our combined company together. We are also pleased that
        Rick Cantele, Salisbury&#8217;s President and CEO, will become a member of NBT&#8217;s Executive Management Team. Salisbury has an impressive history of service to their customers, communities and shareholders, and we are honored to have the opportunity to
        build on these relationships.&#8221;</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">&#8220;We are proud to become part of a long-standing, high-performing franchise like NBT Bank,&#8221; said Salisbury President and CEO Richard J. Cantele, Jr. &#8220;We believe this
        combination will create significant value for Salisbury shareholders, both immediately and longer term. Furthermore, we are confident the operating philosophies shared by NBT and Salisbury will ensure that our customers continue to receive
        high-quality service from people they know and trust. NBT has been consistently recognized for superior customer satisfaction and offers comprehensive omni-channel solutions. Through the partnership between Salisbury and NBT, our customers will
        gain access to an expanded set of products, services and capabilities.&#8221;</div>
      <div>&#160;</div>
      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;"><a name="z_Hlk120725000"></a><font style="font-size: 10pt; font-family: 'Times New Roman';">In recognition of both organizations&#8217; strong community focus,
          NBT has committed to maintaining charitable support in the markets served by Salisbury at consistent levels following the merger. NBT has also pledged to contribute an additional $500,000 in incremental support to demonstrate the company&#8217;s
          ongoing commitment to these markets.</font></div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Following the completion of the merger, Salisbury Bank and Trust offices will become NBT Bank, N.A. locations. <font style="font-size: 10pt; font-family: 'Times New Roman'; color: #000000;">NBT intends to establish a regional operations center in Lakeville, CT. </font>The merger agreement also provides for one director from Salisbury to be added to the Board of Directors of NBT at closing.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Piper Sandler &amp; Co. served as financial advisor to NBT, and Janney Montgomery Scott LLC served as the financial advisor to Salisbury. Hogan Lovells US LLP served as
        legal counsel to NBT, and Updike, Kelly &amp; Spellacy, P.C. served as legal counsel to Salisbury.</div>
      <div>&#160;</div>
      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Investor Call</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT will host a conference call at 11:00 a.m. (Eastern) Monday, December 5, 2022, to discuss the combination with Salisbury. The audio webcast link, along with the
        corresponding presentation slides, will be available on the Company&#8217;s Event Calendar page at <u>https://stockholderinfo.nbtbancorp.com/events-calendar/upcoming-events</u> and will be archived for twelve months.</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">Forward-Looking Statements</div>
      <div><br>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This press release contains forward-looking statements as defined in the Private Securities Litigation Reform Act of 1995. Such forward-looking statements about NBT and
        Salisbury and their industry involve substantial risks and uncertainties. Statements other than statements of current or historical fact, including statements regarding NBT&#8217;s or Salisbury&#8217;s future financial condition, results of operations,
        business plans, liquidity, cash flows, projected costs, and the impact of any laws or regulations applicable to NBT or Salisbury, are forward-looking statements. Words such as &#8220;anticipates,&#8221; &#8220;believes,&#8221; &#8220;estimates,&#8221; &#8220;expects,&#8221; &#8220;forecasts,&#8221;
        &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;projects,&#8221; &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should&#8221; and other similar expressions are intended to identify these forward-looking statements. Such statements are subject to factors that could cause actual results to differ materially from
        anticipated results.</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;"> <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="width: 100%;" class="BRPFPageFooter">
          <div style="text-align: center;"><font style="font-size: 8pt;">Page 2 of 4</font></div>
        </div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Among the risks and uncertainties that could cause actual results to differ from those described in the forward-looking statements include, but are not limited to the
        following: (1) the businesses of NBT and Salisbury may not be combined successfully, or such combination may take longer to accomplish than expected; (2) the cost savings from the merger may not be fully realized or may take longer to realize than
        expected; (3) operating costs, customer loss and business disruption following the merger, including adverse effects on relationships with employees, may be greater than expected; (4) governmental approvals of the merger may not be obtained, or
        adverse regulatory conditions may be imposed in connection with governmental approvals of the merger; (5) the shareholders of Salisbury may fail to approve the merger; (6) the possibility that the merger may be more expensive to complete than
        anticipated, including as a result of unexpected factors or events; (7) diversion of management&#8217;s attention from ongoing business operations and opportunities; (8) the possibility that the parties may be unable to achieve expected synergies and
        operating efficiencies in the merger within the expected timeframes or at all and to successfully integrate Salisbury&#8217;s operations and those of NBT; (9) such integration may be more difficult, time consuming or costly than expected; (10) revenues
        following the proposed transaction may be lower than expected; (11) NBT&#8217;s and Salisbury&#8217;s success in executing their respective business plans and strategies and managing the risks involved in the foregoing; (12) the dilution caused by NBT&#8217;s
        issuance of additional shares of its capital stock in connection with the proposed transaction; (13) changes in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal
        government; (14) legislative and regulatory changes; and (15) uncertainty as to the extent of the duration, scope, and impacts of the COVID-19 pandemic on NBT, Salisbury and the proposed transaction. Further information about these and other
        relevant risks and uncertainties may be found in NBT&#8217;s and Salisbury&#8217;s respective Annual Reports on Form 10-K for the fiscal year ended December 31, 2021 and in subsequent filings with the Securities and Exchange Commission (&#8220;SEC&#8221;).</div>
      <div>&#160;</div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Forward-looking statements speak only as of the date they are made. NBT and Salisbury do not undertake, and specifically disclaim any obligation, to publicly release the
        result of any revisions which may be made to any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. You are cautioned not to place undue reliance on these
        forward-looking statements.</div>
      <div>
        <div><br>
        </div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>Additional Information and Where to Find It</u></div>
        <div><br>
        </div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the proposed transaction, NBT expects to file with the SEC a registration statement on Form S-4 that will include a proxy statement
          of Salisbury that also constitutes a prospectus of NBT (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus will be mailed or otherwise disseminated to Salisbury&#8217;s shareholders when it becomes available. NBT and Salisbury also
          plan to file other relevant documents with the SEC regarding the proposed transaction. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE REGISTRATION STATEMENT ON FORM S-4, THE PROXY STATEMENT/PROSPECTUS TO BE INCLUDED WITHIN THE REGISTRATION
          STATEMENT ON FORM S-4, AND ANY OTHER RELEVANT DOCUMENTS FILED OR TO BE FILED WITH THE SEC WHEN THEY BECOME AVAILABLE, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT NBT,
          SALISBURY AND THE PROPOSED TRANSACTION. You may obtain a free copy of the registration statement, including the proxy statement/prospectus (when it becomes available) and other relevant documents filed by NBT and Salisbury with the SEC, without
          charge, at the SEC&#8217;s website at www.sec.gov. Copies of the documents filed by NBT with the SEC will be available free of charge on NBT&#8217;s website at www.nbtbancorp.com or by directing a request to NBT Bancorp Inc., 52 South Broad Street, Norwich,
          NY 13815, attention: Corporate Secretary, telephone (607) 337-6141. Copies of the documents filed by Salisbury with the SEC will be available free of charge on Salisbury&#8217;s website at www.salisburybank.com or by directing a request to Salisbury
          Bancorp, Inc., 5 Bissell Street, P.O. Box 1868, Lakeville, CT 06039-1868, attention: Corporate Secretary, telephone (860) 453-3432.</div>
        <div>&#160;</div>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div style="width: 100%;" class="BRPFPageFooter">
          <div style="text-align: center;"><font style="font-size: 8pt;">Page 3 of 4</font></div>
        </div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
      </div>
      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>No Offer</u></div>
      <div>&#160;</div>
      <div>
        <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">This press release does not constitute an offer to sell or the solicitation of an offer to buy any securities. No offering of securities shall be made except by means
          of a prospectus meeting the requirements of Section 10 of the Securities Act of 1933, as amended, and otherwise in accordance with applicable law.</div>
        <div>&#160;</div>
      </div>
      <div>
        <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><u>Participants in Solicitation</u></div>
        <div>&#160;</div>
      </div>
      <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">NBT and Salisbury and their respective directors and executive officers and other members of management and employees may be deemed to be participants in
        the solicitation of proxies in respect of the proposed transaction. You can find information about NBT&#8217;S&#160; executive officers and directors in NBT&#8217;S definitive proxy statement filed with the SEC on APRIL 7, 2022. You can find information about
        SALISBURY&#8217;S executive officers and directors in SALISBURY&#8217;S definitive proxy statement filed with the SEC on April 8, 2022. Additional information regarding the interests of such potential participants will be included in the proxy
        statement/prospectus and other relevant documents filed with the SEC when they become available. You may obtain free copies of these documents from NBT or SALISBURY using the sources indicated above.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z8da7ce34d4b9436390c78305171cea40">

          <tr>
            <td style="width: 14.84%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Contacts:</div>
            </td>
            <td style="width: 35%; vertical-align: top;">
              <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">NBT Bancorp Inc.</div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Salisbury Bancorp, Inc.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 14.84%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">John H. Watt, Jr.</div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Richard J. Cantele, Jr.</div>
            </td>
          </tr>
          <tr>
            <td style="width: 14.84%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">President and CEO</div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">President and CEO</div>
            </td>
          </tr>
          <tr>
            <td style="width: 14.84%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">&#160;</td>
            <td style="width: 50%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">860-435-9801</div>
            </td>
          </tr>
          <tr>
            <td style="width: 14.84%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
            </td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14.84%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">EVP and Chief Financial Officer</div>
            </td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 14.84%; vertical-align: top;">&#160;</td>
            <td style="width: 35%; vertical-align: top;">
              <div style="text-align: left; color: #000000; font-family: 'Times New Roman'; font-size: 10pt;">607-337-6589</div>
            </td>
            <td style="width: 50%; vertical-align: top;">&#160;</td>
          </tr>

      </table>
      <div>&#160;</div>
      <div> <br>
      </div>
      <div style="text-align: center;"><font style="font-size: 8pt;">Page 4 of 4</font></div>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>nbtb-20221205.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 22.10.2.5096 Broadridge-->
<xs:schema targetNamespace="http://nbtbank.com/20221205" elementFormDefault="qualified" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:nbtb="http://nbtbank.com/20221205" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:us-types="http://fasb.org/us-types/2022" xmlns:srt-types="http://fasb.org/srt-types/2022" xmlns:dei="http://xbrl.sec.gov/dei/2022" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2020-01-21">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="nbtb-20221205_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="nbtb-20221205_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:roleType roleURI="http://nbtbank.com/role/DocumentAndEntityInformation" id="DocumentAndEntityInformation">
        <link:definition>000100 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://fasb.org/us-gaap/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/dei/2022" schemaLocation="https://xbrl.sec.gov/dei/2022/dei-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/country/2022" schemaLocation="https://xbrl.sec.gov/country/2022/country-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/currency/2022" schemaLocation="https://xbrl.sec.gov/currency/2022/currency-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/exch/2022" schemaLocation="https://xbrl.sec.gov/exch/2022/exch-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/naics/2022" schemaLocation="https://xbrl.sec.gov/naics/2022/naics-2022.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/sic/2022" schemaLocation="https://xbrl.sec.gov/sic/2022/sic-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd" />
  <xs:import namespace="http://xbrl.sec.gov/stpr/2022" schemaLocation="https://xbrl.sec.gov/stpr/2022/stpr-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://www.xbrl.org/2004/ref" schemaLocation="http://www.xbrl.org/2004/ref-2004-08-10.xsd" />
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" />
  <xs:import namespace="http://fasb.org/us-types/2022" schemaLocation="https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd" />
  <xs:import namespace="http://fasb.org/srt/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd" />
  <xs:import namespace="http://fasb.org/srt-types/2022" schemaLocation="https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd" />
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" />
</xs:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>nbtb-20221205_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 22.10.2.5096 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:label xlink:type="resource" xlink:label="dei_CoverAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CoverAbstract_lbl" xml:lang="en-US" id="dei_CoverAbstract_lbl">Cover [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CoverAbstract" xlink:to="dei_CoverAbstract_lbl" xlink:title="label: CoverAbstract to dei_CoverAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType_lbl" xml:lang="en-US" id="dei_DocumentType_lbl">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType_lbl" xlink:title="label: DocumentType to dei_DocumentType_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:label xlink:type="resource" xlink:label="dei_WrittenCommunications_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_WrittenCommunications_lbl" xml:lang="en-US" id="dei_WrittenCommunications_lbl">Written Communications</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" xlink:title="label: WrittenCommunications to dei_WrittenCommunications_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:label xlink:type="resource" xlink:label="dei_SolicitingMaterial_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SolicitingMaterial_lbl" xml:lang="en-US" id="dei_SolicitingMaterial_lbl">Soliciting Material</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" xlink:title="label: SolicitingMaterial to dei_SolicitingMaterial_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementTenderOffer_lbl">Pre-commencement Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" xlink:title="label: PreCommencementTenderOffer to dei_PreCommencementTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:label xlink:type="resource" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_PreCommencementIssuerTenderOffer_lbl" xml:lang="en-US" id="dei_PreCommencementIssuerTenderOffer_lbl">Pre-commencement Issuer Tender Offer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" xlink:title="label: PreCommencementIssuerTenderOffer to dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:title="label: AmendmentFlag to dei_AmendmentFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber_lbl" xml:lang="en-US" id="dei_EntityFileNumber_lbl">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:title="label: EntityFileNumber to dei_EntityFileNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber_lbl">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine3_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine3_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine3_lbl">Entity Address, Address Line Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine3" xlink:to="dei_EntityAddressAddressLine3_lbl" xlink:title="label: EntityAddressAddressLine3 to dei_EntityAddressAddressLine3_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCountry_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCountry_lbl" xml:lang="en-US" id="dei_EntityAddressCountry_lbl">Entity Address, Country</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCountry" xlink:to="dei_EntityAddressCountry_lbl" xlink:title="label: EntityAddressCountry to dei_EntityAddressCountry_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:title="label: CityAreaCode to dei_CityAreaCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle_lbl" xml:lang="en-US" id="dei_Security12bTitle_lbl">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:title="label: Security12bTitle to dei_Security12bTitle_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:label xlink:type="resource" xlink:label="dei_NoTradingSymbolFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_NoTradingSymbolFlag_lbl" xml:lang="en-US" id="dei_NoTradingSymbolFlag_lbl">No Trading Symbol Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoTradingSymbolFlag" xlink:to="dei_NoTradingSymbolFlag_lbl" xlink:title="label: NoTradingSymbolFlag to dei_NoTradingSymbolFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:label xlink:type="resource" xlink:label="dei_TradingSymbol_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_TradingSymbol_lbl" xml:lang="en-US" id="dei_TradingSymbol_lbl">Trading Symbol</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TradingSymbol" xlink:to="dei_TradingSymbol_lbl" xlink:title="label: TradingSymbol to dei_TradingSymbol_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:label xlink:type="resource" xlink:label="dei_SecurityExchangeName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_SecurityExchangeName_lbl" xml:lang="en-US" id="dei_SecurityExchangeName_lbl">Security Exchange Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" xlink:title="label: SecurityExchangeName to dei_SecurityExchangeName_lbl" />
  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>nbtb-20221205_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 22.10.2.5096 Broadridge-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/netLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedNetLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" />
  <link:roleRef roleURI="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" />
  <link:roleRef roleURI="http://nbtbank.com/role/DocumentAndEntityInformation" xlink:type="simple" xlink:href="nbtb-20221205.xsd#DocumentAndEntityInformation" />
  <link:presentationLink xlink:type="extended" xlink:role="http://nbtbank.com/role/DocumentAndEntityInformation">
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CoverAbstract" xlink:label="CoverAbstract" xlink:title="CoverAbstract" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentType" xlink:title="presentation: CoverAbstract to DocumentType" order="0.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="AmendmentFlag" xlink:title="presentation: CoverAbstract to AmendmentFlag" order="1.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentPeriodEndDate" xlink:title="presentation: CoverAbstract to DocumentPeriodEndDate" order="2.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalYearFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalYearFocus" order="3.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="DocumentFiscalPeriodFocus" xlink:title="presentation: CoverAbstract to DocumentFiscalPeriodFocus" order="4.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityFileNumber" xlink:title="presentation: CoverAbstract to EntityFileNumber" order="5.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityRegistrantName" xlink:title="presentation: CoverAbstract to EntityRegistrantName" order="6.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityCentralIndexKey" xlink:title="presentation: CoverAbstract to EntityCentralIndexKey" order="7.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityIncorporationStateCountryCode" xlink:title="presentation: CoverAbstract to EntityIncorporationStateCountryCode" order="8.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityTaxIdentificationNumber" xlink:title="presentation: CoverAbstract to EntityTaxIdentificationNumber" order="9.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine1" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine1" order="10.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine2" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine2" order="11.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressAddressLine3" xlink:label="EntityAddressAddressLine3" xlink:title="EntityAddressAddressLine3" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressAddressLine3" xlink:title="presentation: CoverAbstract to EntityAddressAddressLine3" order="12.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCityOrTown" xlink:title="presentation: CoverAbstract to EntityAddressCityOrTown" order="13.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressStateOrProvince" xlink:title="presentation: CoverAbstract to EntityAddressStateOrProvince" order="14.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCountry" xlink:label="EntityAddressCountry" xlink:title="EntityAddressCountry" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressCountry" xlink:title="presentation: CoverAbstract to EntityAddressCountry" order="15.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityAddressPostalZipCode" xlink:title="presentation: CoverAbstract to EntityAddressPostalZipCode" order="16.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="CityAreaCode" xlink:title="presentation: CoverAbstract to CityAreaCode" order="17.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="LocalPhoneNumber" xlink:title="presentation: CoverAbstract to LocalPhoneNumber" order="18.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="Security12bTitle" xlink:title="presentation: CoverAbstract to Security12bTitle" order="19.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="TradingSymbol" xlink:title="presentation: CoverAbstract to TradingSymbol" order="20.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_NoTradingSymbolFlag" xlink:label="NoTradingSymbolFlag" xlink:title="NoTradingSymbolFlag" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="NoTradingSymbolFlag" xlink:title="presentation: CoverAbstract to NoTradingSymbolFlag" order="21.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SecurityExchangeName" xlink:title="presentation: CoverAbstract to SecurityExchangeName" order="22.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="EntityEmergingGrowthCompany" xlink:title="presentation: CoverAbstract to EntityEmergingGrowthCompany" order="23.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_WrittenCommunications" xlink:label="WrittenCommunications" xlink:title="WrittenCommunications" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="WrittenCommunications" xlink:title="presentation: CoverAbstract to WrittenCommunications" order="24.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SolicitingMaterial" xlink:label="SolicitingMaterial" xlink:title="SolicitingMaterial" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="SolicitingMaterial" xlink:title="presentation: CoverAbstract to SolicitingMaterial" order="25.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementTenderOffer" xlink:label="PreCommencementTenderOffer" xlink:title="PreCommencementTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementTenderOffer" order="26.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_PreCommencementIssuerTenderOffer" xlink:label="PreCommencementIssuerTenderOffer" xlink:title="PreCommencementIssuerTenderOffer" />
    <link:presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="CoverAbstract" xlink:to="PreCommencementIssuerTenderOffer" xlink:title="presentation: CoverAbstract to PreCommencementIssuerTenderOffer" order="27.0" preferredLabel="http://www.xbrl.org/2003/role/label" />
  </link:presentationLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
<FILENAME>image01.jpg
<TEXT>
begin 644 image01.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1" !# ,<# 2(  A$! Q$!_\0
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M<G5@I(RK?,!TQQG2^.VC^&[SPQXAOX+S4=7\8:4PFEU&VE?R[$[QB(_-Y:
MX"#+\9/.37JFJ> [SQ1XDT/5/&-]9SV^BRFXM;*RMVC1YN,/(S,Q(&!A1@>N
M:X_2?@9?Z?H_BK05\72'P_KCO,8?L2F9)#@@F0MR.!D #..HH X3XF:S>Z_^
MR)X;U'5)FGO)+F)))6.6?8\J D]R0HR?6H?C7FT\._!BXM7>">:V@CE>-RI=
M0D& <=<9/YFN_OO@GK%]\)]/\"W'B>S^R6EQYRSKIY#!068+_K.3EVR?8#'4
MFSXU^#FK^*M+\'V4WB"QMAX;B5(F2Q9O.90@!;,G'$:\#N3[4 <;\7-?U+P7
M\9+K6_%_AQ_$'@VXMH[>S+#?':<+N*9^59-X;K@D$8(KF?'LFDZAXN^#3^'K
M^ZNM)FN/W$\CL)D4W@^0L22&3.W.<_+FOH>X\):Z(-;M[;5=,FM-89I)K:\L
MFD2!V15<QX<94D%MK9Y[]:XG4O@'''!X*_X1_7/LTOAA_-C^U6WFK<.9?-9F
MPRD9;L.U '(?$S28OAM\;_!5SX2\VWMM?F6VO[$2M(EP#(J/N#$YW+)W[KGK
M3_V=%^U^(/BU8W3-/9QR^4D4C%E50\X  /3H/RKUR'X>/J7CVT\7>+KZ*_U#
M3X_+T^UMX3%;VW7Y\%F9WR2<D@#CC@8Y_1?@]J'ASQQK^K>&_$_V'2M<9FN[
M)K,2.,EFPCEL#!9L'!P"1SUH \=^%4\UY^S/\1)KJ:6::"=GBDD<LT;"-,%3
MU!Y-=M\$/AY;^+_A_P"!_$>JZOJ<EWIMQ+)'"TN83&)Y-T97_:/5LY(XZ8%;
MGA;X):EX>^'7B/PC!XALYK;66W-.]DP:+( ; \S!X48_&N]^$?@^]\!^$+?P
M_=:A;W]O:EC!+' 8GPSL[;LLP/+<8Q0!XCI,D'PE_:,O['6'/_".:O:R36,L
M[%A;@@MM7)XP5>/'?*U[Q\-_#Z:)H)F>U6VO]2E:]NHQG]VTA+"(9Z! 0H X
MX/K7,^.='T/QS\2O#6FM$MU>>'I3J5Y(I!6%",1PO_M.ZJVW^[&WJ,^HT %%
M%% !1110 4444 5]0_X\+G_KDW\C7Y9U^IFH?\>%S_UR;^1K\LZ .T\.ZQX9
MC\$:AI.O6FHG4FNA=6-[9[/]'(3&&#$;E)QD#'3(/8_4WQD\6IX"L/ ?BI=/
MBNKY89H]HPF]Y+<?>(&=N[!([XKXEKZ[_:FU2]TKX<^!Y=/N'@D+*"RXSQ"*
M (;^&PU?]E2?6?'5K:Q:O.;F\M+B1 DTD\D[NC+W^8GH.J^U?)=?6OPMTRU^
M,WP@U.?Q]"L^HZ;++;VNL$;)441JX)(P&VDX.<Y&,\\U\E'@GO0!]B?L1_\
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M?VG:A3$+AMQ+8C ((((4;CE=N<D\UZ=10 4444 %%%% !1110 4444 %%%%
G!1110 4444 %%%% !1110 4444 %%%% !1110 4444 %%%% '__9

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>8
<FILENAME>image02.jpg
<TEXT>
begin 644 image02.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  8$!08%! 8&!08'!P8("A *"@D)
M"A0.#PP0%Q08&!<4%A8:'24?&ALC'!86("P@(R8G*2HI&1\M,"TH,"4H*2C_
MVP!# 0<'!PH("A,*"A,H&A8:*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"@H
M*"@H*"@H*"@H*"@H*"@H*"@H*"@H*"C_P  1"  Z .4# 2(  A$! Q$!_\0
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M<T7>NV:_WWTG&,[S\O\ XX$KU:@!*6BB@ HHHH **** "BBB@ HHHH ****
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M9L6890_(>?NUZU7GOQ$_XFOC;P)H !*&^DU>XP>B6R93/L9'C_*@#T&BN/\
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3&H15'0 # %/HHH /RHHHH __V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>9
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.22.2.2</span><table class="report" border="0" cellspacing="2" id="idm140524524788160">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Dec. 05, 2022</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Dec.  05,  2022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">000-14703<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">NBT BANCORP INC.<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000790359<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">16-1268674<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">52 South Broad Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Norwich<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">NY<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">13815<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">607<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">337-2265<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, Par Value $0.01 Per Share<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">NBTB<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NASDAQ<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>10
<FILENAME>brhc10045075_8k_htm.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version="1.0" encoding="utf-8"?>
<xbrl
  xmlns="http://www.xbrl.org/2003/instance"
  xmlns:dei="http://xbrl.sec.gov/dei/2022"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink">
    <link:schemaRef xlink:href="nbtb-20221205.xsd" xlink:type="simple"/>
    <context id="c20221205to20221205">
        <entity>
            <identifier scheme="http://www.sec.gov/CIK">0000790359</identifier>
        </entity>
        <period>
            <startDate>2022-12-05</startDate>
            <endDate>2022-12-05</endDate>
        </period>
    </context>
    <dei:AmendmentFlag
      contextRef="c20221205to20221205"
      id="Fact_d4e2ca54673d42a69327c0bf0b72de8e">false</dei:AmendmentFlag>
    <dei:EntityCentralIndexKey
      contextRef="c20221205to20221205"
      id="Fact_b786f0e730bd4810b50a1931240f9de5">0000790359</dei:EntityCentralIndexKey>
    <dei:DocumentType
      contextRef="c20221205to20221205"
      id="Fact_33318e81c44a402c85b8cc084c3dd281">8-K</dei:DocumentType>
    <dei:DocumentPeriodEndDate
      contextRef="c20221205to20221205"
      id="Fact_0cac507164d14ba29583613b186af22e">2022-12-05</dei:DocumentPeriodEndDate>
    <dei:EntityRegistrantName
      contextRef="c20221205to20221205"
      id="Fact_4e9bf01b67c3476aa698ba4b63bbb060">NBT BANCORP INC.</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20221205to20221205"
      id="Fact_dd9a96afc5574d758e746c3f7eb0b3d7">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityFileNumber
      contextRef="c20221205to20221205"
      id="Fact_a4e91176a132476da1aa4c40f6ecc0b6">000-14703</dei:EntityFileNumber>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20221205to20221205"
      id="Fact_65667fcc6b6f4bdf86ad537eec53df0c">16-1268674</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="c20221205to20221205"
      id="Fact_f7aa531df38543c3b9c6f54ad73086b5">52 South Broad Street</dei:EntityAddressAddressLine1>
    <dei:EntityAddressCityOrTown
      contextRef="c20221205to20221205"
      id="Fact_eb891cbe5fd9405a9c586e4c04567183">Norwich</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20221205to20221205"
      id="Fact_4801b47f603c4895a23149bb0706caa6">NY</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="c20221205to20221205"
      id="Fact_a216be2305764f83ae3b5599da5bba63">13815</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20221205to20221205"
      id="Fact_787b7a913b4e4503b0d9e9895d40d954">607</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20221205to20221205"
      id="Fact_6b81ecfd7b1b4b1d86bb73582d79160e">337-2265</dei:LocalPhoneNumber>
    <dei:WrittenCommunications
      contextRef="c20221205to20221205"
      id="Fact_728899ab463d489cbd2bf88fd7d7bb7f">true</dei:WrittenCommunications>
    <dei:SolicitingMaterial
      contextRef="c20221205to20221205"
      id="Fact_e9de46b2a305463dba85c686610948a1">false</dei:SolicitingMaterial>
    <dei:PreCommencementTenderOffer
      contextRef="c20221205to20221205"
      id="Fact_756ff88390874db499524722079713c8">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="c20221205to20221205"
      id="Fact_29848d091ce24c738e2cf0ccf25d111b">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="c20221205to20221205"
      id="Fact_1587fd86143f44f4ad9a0cd8a45711b2">Common Stock, Par Value $0.01 Per Share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="c20221205to20221205"
      id="Fact_fb9e646cbaca409cbdabb3a838176709">NBTB</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="c20221205to20221205"
      id="Fact_5367267c679d4dceacf50610515d8ea2">NASDAQ</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="c20221205to20221205"
      id="Fact_79331879d5a044b9aa4a0e09e22dfab2">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>11
<FILENAME>Financial_Report.xlsx
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 Financial_Report.xlsx
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M=]W3CHG&K=!X#;[Q3X?#KHG&J]!TZVDF)_VN:Z3I%FA"1N/K>A(5M>5 TR
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M!Z.:60F]A%9JGZJ'-#ZH'C(*!?&Y'C[E>G@*-Y;&O%"N@GL!_]':-\*K^(+
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MU4#E/]O4#6CV#30<D05>,9FV-J/D3@H\W/[O#;#"Q([A[8N_ 5!+ P04
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M>ZC+N.HL?X;[:)'-M[#/)73)>UYN1]76^T$D7O!9QP<<GB-WPQ-',)^ Q1'
ML#P8 \PG>&%Y_J?]K-#]! SCMHHB*]1GA?H$KQBR'3Y8GKA/[I_X3O,\3;,,
MJ^AV&V6PQ>J69? 7CX9Q P\L#V1Z6ZWQ;N,3\OH<8#U];4*PG>*3B.T4KS4@
M\;J!1Y['NXWE 0^L"]CL0/YX'IBIN$^:0E<Q;M@)QI$\QQ"8Q?B,9AE2G0P^
M\?Y@IR1-\SR. !9GD*88 J<11S &P %#TG1X#SY['R73>RHY_U=3_ 102P,$
M%     @ 54:%59>*NQS     $P(   L   !?<F5L<R\N<F5L<YV2N6[#, Q
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M2P$"% ,4    " !51H55I38(B^\    K @  $0              @ &O
M9&]C4')O<',O8V]R92YX;6Q02P$"% ,4    " !51H55F5R<(Q &  "<)P
M$P              @ '- 0  >&PO=&AE;64O=&AE;64Q+GAM;%!+ 0(4 Q0
M   ( %5&A57M_XK/5 0  )(0   8              " @0X(  !X;"]W;W)K
M<VAE971S+W-H965T,2YX;6Q02P$"% ,4    " !51H55GZ ;\+$"  #B#
M#0              @ &8#   >&PO<W1Y;&5S+GAM;%!+ 0(4 Q0    ( %5&
MA567BKL<P    !,"   +              "  70/  !?<F5L<R\N<F5L<U!+
M 0(4 Q0    ( %5&A54<.&7J/P$  #P"   /              "  5T0  !X
M;"]W;W)K8F]O:RYX;6Q02P$"% ,4    " !51H55)!Z;HJT   #X 0  &@
M            @ ')$0  >&PO7W)E;',O=V]R:V)O;VLN>&UL+G)E;'-02P$"
M% ,4    " !51H5599!YDAD!  #/ P  $P              @ &N$@  6T-O
F;G1E;G1?5'EP97-=+GAM;%!+!08     "0 ) #X"  #X$P     !

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>12
<FILENAME>Show.js
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
// Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission.  Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105.
var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0);
e.removeAttribute('id');a.parentNode.appendChild(e)}}
if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'}
e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>13
<FILENAME>report.css
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
/* Updated 2009-11-04 */
/* v2.2.0.24 */

/* DefRef Styles */
..report table.authRefData{
	background-color: #def;
	border: 2px solid #2F4497;
	font-size: 1em;
	position: absolute;
}

..report table.authRefData a {
	display: block;
	font-weight: bold;
}

..report table.authRefData p {
	margin-top: 0px;
}

..report table.authRefData .hide {
	background-color: #2F4497;
	padding: 1px 3px 0px 0px;
	text-align: right;
}

..report table.authRefData .hide a:hover {
	background-color: #2F4497;
}

..report table.authRefData .body {
	height: 150px;
	overflow: auto;
	width: 400px;
}

..report table.authRefData table{
	font-size: 1em;
}

/* Report Styles */
..pl a, .pl a:visited {
	color: black;
	text-decoration: none;
}

/* table */
..report {
	background-color: white;
	border: 2px solid #acf;
	clear: both;
	color: black;
	font: normal 8pt Helvetica, Arial, san-serif;
	margin-bottom: 2em;
}

..report hr {
	border: 1px solid #acf;
}

/* Top labels */
..report th {
	background-color: #acf;
	color: black;
	font-weight: bold;
	text-align: center;
}

..report th.void	{
	background-color: transparent;
	color: #000000;
	font: bold 10pt Helvetica, Arial, san-serif;
	text-align: left;
}

..report .pl {
	text-align: left;
	vertical-align: top;
	white-space: normal;
	width: 200px;
	white-space: normal; /* word-wrap: break-word; */
}

..report td.pl a.a {
	cursor: pointer;
	display: block;
	width: 200px;
	overflow: hidden;
}

..report td.pl div.a {
	width: 200px;
}

..report td.pl a:hover {
	background-color: #ffc;
}

/* Header rows... */
..report tr.rh {
	background-color: #acf;
	color: black;
	font-weight: bold;
}

/* Calendars... */
..report .rc {
	background-color: #f0f0f0;
}

/* Even rows... */
..report .re, .report .reu {
	background-color: #def;
}

..report .reu td {
	border-bottom: 1px solid black;
}

/* Odd rows... */
..report .ro, .report .rou {
	background-color: white;
}

..report .rou td {
	border-bottom: 1px solid black;
}

..report .rou table td, .report .reu table td {
	border-bottom: 0px solid black;
}

/* styles for footnote marker */
..report .fn {
	white-space: nowrap;
}

/* styles for numeric types */
..report .num, .report .nump {
	text-align: right;
	white-space: nowrap;
}

..report .nump {
	padding-left: 2em;
}

..report .nump {
	padding: 0px 0.4em 0px 2em;
}

/* styles for text types */
..report .text {
	text-align: left;
	white-space: normal;
}

..report .text .big {
	margin-bottom: 1em;
	width: 17em;
}

..report .text .more {
	display: none;
}

..report .text .note {
	font-style: italic;
	font-weight: bold;
}

..report .text .small {
	width: 10em;
}

..report sup {
	font-style: italic;
}

..report .outerFootnotes {
	font-size: 1em;
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>14
<FILENAME>FilingSummary.xml
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<XML>
<?xml version='1.0' encoding='utf-8'?>
<FilingSummary>
  <Version>3.22.2.2</Version>
  <ProcessingTime/>
  <ReportFormat>html</ReportFormat>
  <ContextCount>1</ContextCount>
  <ElementCount>22</ElementCount>
  <EntityCount>1</EntityCount>
  <FootnotesReported>false</FootnotesReported>
  <SegmentCount>0</SegmentCount>
  <ScenarioCount>0</ScenarioCount>
  <TuplesReported>false</TuplesReported>
  <UnitCount>0</UnitCount>
  <MyReports>
    <Report instance="brhc10045075_8k.htm">
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <HtmlFileName>R1.htm</HtmlFileName>
      <LongName>000100 - Document - Document and Entity Information</LongName>
      <ReportType>Sheet</ReportType>
      <Role>http://nbtbank.com/role/DocumentAndEntityInformation</Role>
      <ShortName>Document and Entity Information</ShortName>
      <MenuCategory>Cover</MenuCategory>
      <Position>1</Position>
    </Report>
    <Report>
      <IsDefault>false</IsDefault>
      <HasEmbeddedReports>false</HasEmbeddedReports>
      <LongName>All Reports</LongName>
      <ReportType>Book</ReportType>
      <ShortName>All Reports</ShortName>
    </Report>
  </MyReports>
  <InputFiles>
    <File doctype="8-K" original="brhc10045075_8k.htm">brhc10045075_8k.htm</File>
    <File>brhc10045075_ex2-1.htm</File>
    <File>brhc10045075_ex99-1.htm</File>
    <File>nbtb-20221205.xsd</File>
    <File>nbtb-20221205_lab.xml</File>
    <File>nbtb-20221205_pre.xml</File>
  </InputFiles>
  <SupplementalFiles/>
  <BaseTaxonomies>
    <BaseTaxonomy items="22">http://xbrl.sec.gov/dei/2022</BaseTaxonomy>
  </BaseTaxonomies>
  <HasPresentationLinkbase>true</HasPresentationLinkbase>
  <HasCalculationLinkbase>false</HasCalculationLinkbase>
</FilingSummary>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>JSON
<SEQUENCE>16
<FILENAME>MetaLinks.json
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
{
 "instance": {
  "brhc10045075_8k.htm": {
   "axisCustom": 0,
   "axisStandard": 0,
   "contextCount": 1,
   "dts": {
    "inline": {
     "local": [
      "brhc10045075_8k.htm"
     ]
    },
    "labelLink": {
     "local": [
      "nbtb-20221205_lab.xml"
     ]
    },
    "presentationLink": {
     "local": [
      "nbtb-20221205_pre.xml"
     ]
    },
    "schema": {
     "local": [
      "nbtb-20221205.xsd"
     ],
     "remote": [
      "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xl-2003-12-31.xsd",
      "http://www.xbrl.org/2003/xlink-2003-12-31.xsd",
      "http://www.xbrl.org/2004/ref-2004-08-10.xsd",
      "http://www.xbrl.org/2005/xbrldt-2005.xsd",
      "http://www.xbrl.org/2006/ref-2006-02-27.xsd",
      "http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd",
      "http://www.xbrl.org/lrr/role/net-2009-12-16.xsd",
      "https://www.xbrl.org/2020/extensible-enumerations-2.0.xsd",
      "https://www.xbrl.org/dtr/type/2020-01-21/types.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-roles-2022.xsd",
      "https://xbrl.fasb.org/srt/2022/elts/srt-types-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-gaap-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-roles-2022.xsd",
      "https://xbrl.fasb.org/us-gaap/2022/elts/us-types-2022.xsd",
      "https://xbrl.sec.gov/country/2022/country-2022.xsd",
      "https://xbrl.sec.gov/currency/2022/currency-2022.xsd",
      "https://xbrl.sec.gov/dei/2022/dei-2022.xsd",
      "https://xbrl.sec.gov/exch/2022/exch-2022.xsd",
      "https://xbrl.sec.gov/naics/2022/naics-2022.xsd",
      "https://xbrl.sec.gov/sic/2022/sic-2022.xsd",
      "https://xbrl.sec.gov/stpr/2022/stpr-2022.xsd"
     ]
    }
   },
   "elementCount": 29,
   "entityCount": 1,
   "hidden": {
    "http://xbrl.sec.gov/dei/2022": 2,
    "total": 2
   },
   "keyCustom": 0,
   "keyStandard": 22,
   "memberCustom": 0,
   "memberStandard": 0,
   "nsprefix": "nbtb",
   "nsuri": "http://nbtbank.com/20221205",
   "report": {
    "R1": {
     "firstAnchor": {
      "ancestors": [
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "brhc10045075_8k.htm",
      "contextRef": "c20221205to20221205",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     },
     "groupType": "document",
     "isDefault": "true",
     "longName": "000100 - Document - Document and Entity Information",
     "role": "http://nbtbank.com/role/DocumentAndEntityInformation",
     "shortName": "Document and Entity Information",
     "subGroupType": "",
     "uniqueAnchor": {
      "ancestors": [
       "div",
       "div",
       "body",
       "html"
      ],
      "baseRef": "brhc10045075_8k.htm",
      "contextRef": "c20221205to20221205",
      "decimals": null,
      "first": true,
      "lang": "en-US",
      "name": "dei:DocumentType",
      "reportCount": 1,
      "unique": true,
      "unitRef": null,
      "xsiNil": "false"
     }
    }
   },
   "segmentCount": 0,
   "tag": {
    "dei_AmendmentFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.",
        "label": "Amendment Flag"
       }
      }
     },
     "localname": "AmendmentFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_CityAreaCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Area code of city",
        "label": "City Area Code"
       }
      }
     },
     "localname": "CityAreaCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_CoverAbstract": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Cover page.",
        "label": "Cover [Abstract]"
       }
      }
     },
     "localname": "CoverAbstract",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "xbrltype": "stringItemType"
    },
    "dei_DocumentFiscalPeriodFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.",
        "label": "Document Fiscal Period Focus"
       }
      }
     },
     "localname": "DocumentFiscalPeriodFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "fiscalPeriodItemType"
    },
    "dei_DocumentFiscalYearFocus": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.",
        "label": "Document Fiscal Year Focus"
       }
      }
     },
     "localname": "DocumentFiscalYearFocus",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "gYearItemType"
    },
    "dei_DocumentPeriodEndDate": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.",
        "label": "Document Period End Date"
       }
      }
     },
     "localname": "DocumentPeriodEndDate",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "dateItemType"
    },
    "dei_DocumentType": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.",
        "label": "Document Type"
       }
      }
     },
     "localname": "DocumentType",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "submissionTypeItemType"
    },
    "dei_EntityAddressAddressLine1": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 1 such as Attn, Building Name, Street Name",
        "label": "Entity Address, Address Line One"
       }
      }
     },
     "localname": "EntityAddressAddressLine1",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine2": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 2 such as Street or Suite number",
        "label": "Entity Address, Address Line Two"
       }
      }
     },
     "localname": "EntityAddressAddressLine2",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressAddressLine3": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Address Line 3 such as an Office Park",
        "label": "Entity Address, Address Line Three"
       }
      }
     },
     "localname": "EntityAddressAddressLine3",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCityOrTown": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the City or Town",
        "label": "Entity Address, City or Town"
       }
      }
     },
     "localname": "EntityAddressCityOrTown",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressCountry": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "ISO 3166-1 alpha-2 country code.",
        "label": "Entity Address, Country"
       }
      }
     },
     "localname": "EntityAddressCountry",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "countryCodeItemType"
    },
    "dei_EntityAddressPostalZipCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Code for the postal or zip code",
        "label": "Entity Address, Postal Zip Code"
       }
      }
     },
     "localname": "EntityAddressPostalZipCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityAddressStateOrProvince": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the state or province.",
        "label": "Entity Address, State or Province"
       }
      }
     },
     "localname": "EntityAddressStateOrProvince",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "stateOrProvinceItemType"
    },
    "dei_EntityCentralIndexKey": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.",
        "label": "Entity Central Index Key"
       }
      }
     },
     "localname": "EntityCentralIndexKey",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "centralIndexKeyItemType"
    },
    "dei_EntityEmergingGrowthCompany": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Indicate if registrant meets the emerging growth company criteria.",
        "label": "Entity Emerging Growth Company"
       }
      }
     },
     "localname": "EntityEmergingGrowthCompany",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_EntityFileNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.",
        "label": "Entity File Number"
       }
      }
     },
     "localname": "EntityFileNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "fileNumberItemType"
    },
    "dei_EntityIncorporationStateCountryCode": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Two-character EDGAR code representing the state or country of incorporation.",
        "label": "Entity Incorporation, State or Country Code"
       }
      }
     },
     "localname": "EntityIncorporationStateCountryCode",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "edgarStateCountryItemType"
    },
    "dei_EntityRegistrantName": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.",
        "label": "Entity Registrant Name"
       }
      }
     },
     "localname": "EntityRegistrantName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_EntityTaxIdentificationNumber": {
     "auth_ref": [
      "r1"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.",
        "label": "Entity Tax Identification Number"
       }
      }
     },
     "localname": "EntityTaxIdentificationNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "employerIdItemType"
    },
    "dei_LocalPhoneNumber": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Local phone number for entity.",
        "label": "Local Phone Number"
       }
      }
     },
     "localname": "LocalPhoneNumber",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "normalizedStringItemType"
    },
    "dei_NoTradingSymbolFlag": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true only for a security having no trading symbol.",
        "label": "No Trading Symbol Flag"
       }
      }
     },
     "localname": "NoTradingSymbolFlag",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "trueItemType"
    },
    "dei_PreCommencementIssuerTenderOffer": {
     "auth_ref": [
      "r3"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.",
        "label": "Pre-commencement Issuer Tender Offer"
       }
      }
     },
     "localname": "PreCommencementIssuerTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_PreCommencementTenderOffer": {
     "auth_ref": [
      "r4"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.",
        "label": "Pre-commencement Tender Offer"
       }
      }
     },
     "localname": "PreCommencementTenderOffer",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_Security12bTitle": {
     "auth_ref": [
      "r0"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Title of a 12(b) registered security.",
        "label": "Title of 12(b) Security"
       }
      }
     },
     "localname": "Security12bTitle",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "securityTitleItemType"
    },
    "dei_SecurityExchangeName": {
     "auth_ref": [
      "r2"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Name of the Exchange on which a security is registered.",
        "label": "Security Exchange Name"
       }
      }
     },
     "localname": "SecurityExchangeName",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "edgarExchangeCodeItemType"
    },
    "dei_SolicitingMaterial": {
     "auth_ref": [
      "r5"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.",
        "label": "Soliciting Material"
       }
      }
     },
     "localname": "SolicitingMaterial",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    },
    "dei_TradingSymbol": {
     "auth_ref": [],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Trading symbol of an instrument as listed on an exchange.",
        "label": "Trading Symbol"
       }
      }
     },
     "localname": "TradingSymbol",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "tradingSymbolItemType"
    },
    "dei_WrittenCommunications": {
     "auth_ref": [
      "r6"
     ],
     "lang": {
      "en-us": {
       "role": {
        "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.",
        "label": "Written Communications"
       }
      }
     },
     "localname": "WrittenCommunications",
     "nsuri": "http://xbrl.sec.gov/dei/2022",
     "presentation": [
      "http://nbtbank.com/role/DocumentAndEntityInformation"
     ],
     "xbrltype": "booleanItemType"
    }
   },
   "unitCount": 0
  }
 },
 "std_ref": {
  "r0": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b"
  },
  "r1": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "b-2"
  },
  "r2": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "12",
   "Subsection": "d1-1"
  },
  "r3": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "13e",
   "Subsection": "4c"
  },
  "r4": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14d",
   "Subsection": "2b"
  },
  "r5": {
   "Name": "Exchange Act",
   "Number": "240",
   "Publisher": "SEC",
   "Section": "14a",
   "Subsection": "12"
  },
  "r6": {
   "Name": "Securities Act",
   "Number": "230",
   "Publisher": "SEC",
   "Section": "425"
  }
 },
 "version": "2.1"
}
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>17
<FILENAME>0001140361-22-044364-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
begin 644 0001140361-22-044364-xbrl.zip
M4$L#!!0    ( %5&A56%BMT78R$  *V[   3    8G)H8S$P,#0U,#<U7SAK
M+FAT;>T]:W/;.)+?K^K^ \[[LK<DF92HEY.X2I&5&>TXMD]RYG%?MD 2M+BA
M2"T?MK6__KH;X$NB;-F1$VLFJ:FQ2() H]'O;H!O9_'<8_=SSX].[LW0<]\=
MS.)X<7)\?'=WU\ [C2"\.6YJ6NO8]:.8^Y8X4.T]U__\0'-\;/(H:WZ_UOZN
M1:WU?K]_3$^SII%;U1"ZU8]__7@^M69BSNNK\.#P=OYB$9K.L7R8-G6CP&CJ
MW8<F*UMD+]QO:JLC8@!X\>O[R7G>/*YNGS<]CD/N1TX0SGGL!C[TU-3J6K.N
M-PN=U"-AE3J"Z\9-</M@/WJ[KO7J+3WM)XGJ-YPOLGX<'ID$C'J 0V>#VF(%
M@^F(\*#4,(G#C>CK'\/3M*$5)'X<+JM[50]+/5M)& K?VO2&>EIZQ>>N%56W
MIT>EQI%K53>%!^6&\2+<T!*>E)J*>VM6W12?E'L-X_6E@)OE98C#>KQ<B*@:
MQ_#X&!\KJM'KS6RU?3,VLY?P@ON?&U8PI^[UIM96#3=S(HJ$@]/__B_&WLX$
MM^D7_([=V!.G;X_E7W7S?^IU=NY:PH^$S>+@A+T/ VZ'KGTCV ?7!_9TN<>F
M@9<@<48U-O:MAGR7_IT%5C(7?LRL4/ 8^D@BU[\I]G(UN71<3[!FLZ%KC6:C
MK?4[A0Z&P6(9NC>SF 'P;59G.,WB^_5Z"NM<Q)SAI.OBWXE[^^Y@&/@QC%V_
M!DP>,$M>O3N(Q7U\3$A@Q_#NVV.%!?AI!O:21?'2$^\.'&A?=_C<]98G[&_7
M[EQ$[$+<L4DPY_[?WC!Z'KG_$2=,UQ;Q&X;]UKGGWO@GS!,.W+$"+PA/V)\T
M^O>&F=SZ?!,"2]CU])%#_][@>KRUW5OFVN\.SJ97'USD_1]=VQ;^00J1[48+
MCP,T?N +>.6M>W^"L(M0_J36]!,:7 #>0]=B/I_CJ\(]&<!"V+@8'SQ^<T C
M?>!6_$_;$$V+MXU.MV4;3=[IMYI=2S,=S>PV;=%+47<?3X3S[L!*Z2P.<HJ3
MXNG= 8BT$\>]%S8@S@/5<$I_WAZ70-H,X<@'XEL. <20>V/?%O<_B64!4K/;
MZSB:Z+8TTS9ZNF:V-:[W6WK3T)R^+=J/0WJ*"]'M:ZUV?PVJXS(.0^$(E$0B
M.GV+RNLD(K4$73-29B>S$$=!%JRG_3?N(_M /4;^?7<0N?.%!XAX>USN0PY7
M'(,NHR )Z8J4]8F:#F&@<CJJG2#$I5>NC=>.*T)&XXE*%3,<_U1&Q^K+I^FM
M<N\+P%9@IU>@HL/X#%C[%($"[5;7VNE[^;,,3'M#T_1)>IT.<ES"0XJT#$O'
M!0XX!O8A+D:Y%J8\8P8A/%4LP^15W0SB.)@#WR[N611XKLU,#U@S>QX'BQ-F
MK#Z<"91#Q.WW.6\K!GZ MTN" 41I+,(W;,[#&]>OHYPX83R)@^Q6*$>A>U)"
MP83DW$C,H910DZOJ^"EBRT"Q13?NU-S,P+-!LGRZ&%^/SMCT>G ]FA8Q^Y7&
MGXZ&GR;CZ_%HR@879VSTZ_#'P<4/(S:\_/AQ/)V.+R]>#JCF)J!^&4Q_'%_\
M<'UY46-GC6$#5%';Z&\&9$U!/ +%P>E?_Z1WM#<O-[7>IJE]N)Q\9!O%<JK$
MI1[-I'&KU=)[HJ=;AL$-K6GUVF;/LK2>8;5LN]G3MY#&O?I/ZV)X?_"I;<(G
M4.]D=''-)J.KR\GU-P#@*@FCA(/=%0=L*BPTSIC>8D'(]/:A??0-( H<%L\$
M I.$;NQ"%R.PG+D/)MS BAD\!DUN_"Y6'S493F@B%D$8L\/T6G#092**F;A%
MDSBDQ\(^.GF<]:Y('XZDEBSPH&9QJZUU]8YAZX;)F_UVK]716Z;>ZW"GV7RJ
M[69#[_4YO#%#$.HV7]:7 '4=C-#3,V&)N0DV1;M&1O@>,VYSH^)YQ#2=B!LW
M0H<\OH GA74P1!\,9MWL=*V6T>UPL*)[)C?,3LLT3:VC;2$++]Y?L_>#B^'E
MY(J-+X:--?R:H;(& !=?GZ@/1_<P4<*(I.T4$XQ';+H0%MJ,-G-]-HXC-IR!
MZ2?"!P3-TXGB 03$W 07TA*>%RVX!1[FNP-$.5PON&VGU]*ZHY_/]?'N7#N>
MX87VE\Q:!'//XXL(VJ2_MO %#TY3)S=W=LG2B\/3@OO+T@G:*<@*@E8+ +@5
M8>Q:W$M' KMUTVH^A-CB>(]3DYI(>&,>:C6&_QT]BY?&OA6$( $IK#6-0?(,
M9;!H&-A%UK+M/N^#-+/:[:YA=]L]T34Z5LOI"E,S6W;W:2(.(V[HF,1B$0:W
M").4;1Z_X^&ZIUH@N0P_Q[DQGMZ)[>T6S6AH^KZOVP?7$_ ,-$%AD3@(0%T'
MP:>WFB#_;*YS;EC@EG<$F(1F9SO/O*X;7:WUTHNP]YQSS>_'RDNWB'O6EJ/3
M[G2ZCF5US(YCF+8#UH#=;G6%L-HMV]&L+99#[X"'WNEUNL9.UH-DVW%)N.U$
MW#US#;*0W!,T 'I/L#:@8?SG*K%JS4K"#VWS2["00_8/,) CVR6C_>TQ#O=E
M@V;FU%HGZR9Z22@?I:.G?UY$\/T>5G 8S.=N%'WM!4-1S"3S[W"M?L^L-IY,
MV6B^\(*E"+_J4I4%-KL(&D]=L34)*O]B H/,WT)\\+NI3"!7*GD%EM'_RP[U
M]Y<Z5X\H_(%MAR**U)]SUQ=Z0=D[7<[;+=UV6KVVT;):9M_J.&V#V]V6UNN8
MVV1%VDTV#9)X)A-K;!J'0L3/T_NO'XU#^'D97@=W?@&)PNSU=<L4;<?N&UJ;
M]ZUVKR,,2S/:G:[>:VWCP ?AG6O-5M%6VQS=*8%%5L!E> 5NB4M5#WEPH:?I
MIM%U.EK+,GK]-F^V=*-OFEI7ZUB<;V%</^X!(:Y_"\+/FZ(Z6RD26%F49>\.
M](,5I=*LT"DR"_,<LSL-#VVIT9#7=SCZMS'Z%95<!;!TWO^YBQ4OF3?UCBF:
M+:W=[1A.K\5%RVRW^WV;MTV3=[:A7[W5T]O?U-C?B5?V,A)^U9!0RX&AL$4(
M_.HNN,?$O;"2V+W%"!FH>A$=O2#[/--EW07OO"YO^1"X 5K;XG%L/\&&>K7!
MZ\WJ+X_)_O5/O:;>?1.Q:^&)Q2SP4S>!"G2\!.T\-@@%9RA&3MCA1N&#RA(;
MKHB;;J]K=GE?;YF&,-I:R]3LONB#;K(-^-4VMA W':V[*FR.TF79",YY &1X
MA1-:CWF8/5U8CMTU05F:N@VFC]EMM7M-N]N'!=DB%7+::G7KS69G70CN3VIC
M,W5<!#$;+!8>,#)0^K?(('P (T2$[()2""%3ETJ2UICK8-K OQ%@@*(%Q,YY
M%*LDVDX3"4]9 NF1/'7^!Z?#F; ^4\:3+\#. AV!,1XSN&>F\(([G"P^1!RP
M7OTGYK@>\J0;,1?+U&PJMV.1.T^\F/LB2")OR2)P'B-G26^J%P(3X)0^I<JP
MAGEF)H%^0L;]9?K, :\KN,/WT/9S,6 1I3QW& G!?A"^"$&3C7WH(J$05,0&
MC69#@GUT\N+KL)U_NA.G]''/DUD>CR)9D7<.6+U&X+XT=:-W&VV$I5*K;H3I
MR]RE!\S+7T(W!HK#$%;BJ_A$5!3US5ZOW^>FT6G9X'U8IMTTG5X/!"V(6K/K
M/,/[,(/ ,SF08@P,@71PW^SHS3>/VYY;FRVRHFJ3S;^!P7=DS%0MV,&I0C,@
MJXAGMB@4:DP2H'RCV59\NU(N@542AWJ7#3],&-CY#6BX.X/G.]=]9:Z;!J"(
M86']FX^@&$ [>,5@1-\61L=L<G#GD.U,WFM;G5ZGHVM]H\>WJ*S:CN6TWS?+
MY3AF<X7D=7[3#5[7FP66*Y4E90QG: W9\CO/[2W/784"M1S66U,Y(YI9X:7C
ME-R(;KOC@'IK];5>U[!-H]]O-XUNLZEU^UV]9?6^\]Y6O >XKEL%9#^J]W3#
MKC</S:/M.%&V_<Z+OQ=>'$=1(L)JCFSV>T;/UOJZ)9J&U6WU1--R-,MRFFU;
MUW7S.T>^$$>V1-TXM+;C2-5V#T-PS_7P"Z:Y=+E%"$[[HJKPFN2:<L$!<SMU
MHK^G>DNU"XW6JRJP6REBH-=L8:D"FQ/)6KC5%UI>X\9+62=NS:0.V$7ES=ZB
M(^04IHZ6<S/P=E'7TMA?9%RHLFLB#9%*89 M=S,7[N0"Z-G5)+MAM&^957W(
MVY:R>JDW3>*R@G6AMWM=Q^YU=*/E&(9C<+O/-<ON<:/=!>.BN47:  T96(II
M'%B?:^R*A^QG[B6"_5EK:#J[ MTYG7V-XN+]60_%VU-B[6(IB]D7':-CF=SB
MAH:Q1FZ:+=YK]?1NIZOUM]M&\?[%*XBK)<DK179*_*GQMK)UI=WJ=)N=KM7I
M]FW#MD#".&T-K.&VWK9[@F_! &OF-0JHM+#D&FR>B\'T;/"_DD'81QY^%C$[
M/Q^^3*W!OMJ38]]&6UPP<\DLRA[- 5,@X 55!:^D=MR(@>H 0Q[W#-^PFS"X
MBV=HTB\PW<,C9@L'5 =MR"E?R2BSUF;K._+RC7@M=HAS[KZA2'/:& 8%$EK@
MQAX6A"G"I;/0-.O-BBZK-OEE?:/CD+]7Z+WQE2SD'2_A:,-R/%+:D[[V [TU
ME"\50U)]W&D+[-GFFF&8?<X-K@FM+YI-V^';J*AG.\![EG4=.P]P10VHOY+%
MW+7$Z0Q81GC@O@'+^ $Y<TDDJ!5 J=*S>"Z/2PZ>/*T D4QC>4L<_,Z%H7'U
M?0 9GH3BUHV$G7*-DYV>PBTZ)8=LW9C[-@_M2.9G[4T.9>N09PYED<,:[*]_
MZG<-XX717"PR+H_$MCY[8>UXA>+9"VL',WRCLQ<VH]'R! ])Y<^RMR7HQ WJ
M3G;0!.$MC>N]GUQ]N.(WXGTH^&<LKLD-@.(0"VA2-[%-G3LQ(I)[=WP9;>BH
M:$44%D%"(O%-R*MRUM4]+4=TLXCG!\ZO21\5\5&!N3]:CM_H/RG:NI/ZFG$L
MYDP'EZ/QA5'*AX#<D5E;!?\(-W]B^4O .$NSHNP,+1>7BBH'-Z&@T&7CCV,5
M7OIL=>-]C=%6<4Y;M>C +7:(B@"+_IK:&V4_T)7^YHB1T"/3#Q'KYUB$"YM=
M>9PJASZ"RH0ABAVI6UG[K$?2;%.86&0FL&(*DIH"1;V=/4]?JZ5+47KS,T%Q
M'291S!3DZUU0PZP?5NJ:RARCQ(Q<V^70%,]#JU&G"DMP==$8Y("EM_/^<,X%
MK%7W6-3#,NA2> U0XJ$B_W?BAB*';Z=F[%>):2?FO\#&P#GB[(!PYA'A$@Q,
MVY5Y F5VK%)'36$%32<3/#]9]W8+A&?*@C4S(,,&7K<!258<A%$6T5KP,%X6
M%E;B$\TXD=I1BH"AIY2.AJE91RV*JP$@X&64A+?N+=I5\@0K21;N?"YLK,;S
M""Y0G:A<:ZMDN1&"G*SH?GJY/BC2305#I72W=\3Q*4L#2;K82 BTI$$2DS5+
M9BV&O[!]CF-+QLPB"@D0KDV!5(:Z2.1KS>39?W !)"-0"6B-KM'69)<9#*O<
M*WM/"84&V3MT7^>X=4D>I9QI@:R$MQ")7D#'*>;<B3Y.6M\M?1K VH(\;W!O
M$H\#VRT5:W)/\G9ZE3(JH78&.EE(#LT63?$/N$;W"^D;(30 0\:2KB][$ @1
M^W="AX!@'Z"W6@WV(2L_S0FGQB8@-D TL'\TV! $+/A=-29/ 8TEB[(K6&HZ
MEXX &,Y<X8#;D^ZUN*2]%N$*J"E-";G;TT;^)%67-0;.;;"1XZ!3!=WPF,9*
M<:HHB[P\3FY7C6$=_5SJ8O58P9G.GV3<FHA;$6LFU00'6.=KIY*V^L623(.9
M;VZ9"R6L&A8AS ==2H]>\?$(0>[["4>))N+"]++>XU2I 672D[3[#&8_F(/+
MBC [Y,W6R4$&O.P=9PT#/Z<O$N)D(U']=2IWUJ5:$5TEF^KG@#":-8U4GR0%
MG1(RE3(%&<?=K&![==<0K>B:L51E@40)_J_(KAR!(*JZ#6):2#<LR,J<$F%X
MA]\&85F*[]U2CDLZ"$031FM ^$3)?"[/FR6E%67G$UEN:"5S>;!T5%3Z<[Y$
M*@\%V7"$P@5?EIF$%!\R 09A'$$J[<\]!O!Z^\@'UQ5TSD K!!1/! J-"KHF
M% L@(FBARD60D.]XB.$RC//&,R4_B_*JB%U;($HE4U! FQ-%JI6Q&!X]%C48
MP@3N.'JD. H(V\!V\Z@9*1A0.(^!<P?L*0>- @\M/919P$ +>#<3K3C+$ ^U
M,D5\AR;K1OBEYE,D4E#%[APWIR!/@J[SLNW]$AS/G;L9>!E?*B6+%B\"ZF)%
MN.^KP!X)#E_<@$3A)%1<D"9D;66'*G\,0@%F=5A3^OU!-*#950"79U-&59 &
M&Q$=:7TL6,ER*=5<;=>A$VICYH3!',1._NC6%7=2K6;%M:A["M*HEBFM1\#$
M'F<<!" Y#HD\:YIA>)JBM:$;?<XT[&-+Q4*N\B48"8[0VW>CF:H!CDE&1B#Z
MK#C:2WX%.@;R4%N%4-AQ&7(6@"=;1%8(UEYA,] Z>TL+3I&KS @AD:&'% I8
M?1-979U*G%HG3@(F !U$_(CS!SWC8=X9NW), ,U<TXU9LZ$S]+8H"&'+C4[I
M63, !CX"4(JCH[T(8L*6IBV0E^MGQ^#7"D"Z429>$+9_H67%%K0[-P0;A8.T
ML&F,]4!*!K6TFB4YIQ#W^P#RMK#N%RU5QP\S83;(<3[.<4ZX^ 4GCZC^X,+5
M.-ZO>7_IF3)KY6KC=?%-TCT,4-/89?>A9$&2"Q4A)NGX^^S5W9Q*4\C XJIE
M.:+\H*(\RC8:9I&]TJC5908\RY/1E.D@"9(L<$&[&:=U0ZH0<AP48X&8 IS<
M+XOMB^8HO9":'E'LQDF,H!<CO/ ^&@MQLN8:%6,L*Z,<YV_E\3[)]9M;9B[/
MG*,PP^0=F2QW+HH20)](/2',R:T'(XL&^=U,H("%WD!,XY1NH4^,0$M3IUJ%
M$2(6&)E-R8/&+V(#)=LM\JJM3HB-<A*"%<5% M6>NMI5]-C83&HEP;"AW&1\
M\?-H>GTYD2=TJP.[?V,_7IZ?C?#F9,0^37X8G;'K2S89#>#OCR/X\<-X>CT9
M7(\O+^3IXA_QF&2XH!.H@71JU.YJ<OGK;\7I9FV/X='T:C2\_C3%GM^/\*S4
M\T]G,- OX^L?QQ=;CX-@#RY^8Y?PP@3>.!_]/( V9Y?#3]AXRCZ,SZ'7RXD:
M1U[B(#0$(OF7'T<TWF_P?'CY<<0&/P_&YX/WYR/H?LI^&9V?XU\<90!]GLE^
MH<?IIZNK\Y&\A-ZO?[R<CO*1:]C=X--T5,0 #?/+&'H<7EY<#V"BXX]XN#3"
M/+[ :<G9#MY??KHF" &B*Q@:G)S!^7CZ_M/D-YJSPN\5# D7D\'%=##$-QM5
MY%"]]NRW("&C+3#)D>5@'0JTIQ?93N-J(;$:GGJ !P^1<XH(J&*B(V(<Z4]4
M< 39(JG%7<UJ1::1$=T@B;$.!0R<6AH34B*2N/M.F)$;4[BH\#6%!GZHQ,U=
MBT=@*+%J%A1*9R6Q"3U),%A0PD-5O',%*/E9&+18\,LP*+]@?!F#0,QS\G+Q
M(.H\G)WEDFJL\C"H&E/'&\&/WQ@=%8/HP2^J4+'J,#6/L$@!K#R.3E.<G3YQ
MV-&Z1PS/5^CHAKX%MJI7J(B'+=!6(9Q7ER]MD'Y&YV%D;4AZ <[8>]0+ %&*
MKJO&98.]#^Z9WNOT:NR<?Q:W #$0U?"::1VMU:_+)T] 8J^C'1518+1;]9;1
M:BK.;:P4_[Y""PIK1TI5?H^"_+W0X@L*+5[>:;@(&.W7VC<_X)K*#8L[H$ *
MB3Q^*$U0E3' < *&U8&] YD!B^36XNS@C6([,UE2W5>4V> -$)[RN0J]YX_0
M6DR-31MCP998Q"B!YH++9&MF!!>48QK%EYJ6(I92?J)1G1:):0]7>-8H(S*G
M8K9:KD?)R$6=;H%\LS%,JO*?V=$QS.-WOP=_]PI#<'AP%R(.9CPMK.E^36_G
M;NT#KHF,Z+EH;Q$U8MZBG-ZHR&=DU)5+3IE'BV3PT0?9FH6G5,9.Q04Q"(E!
M)AD\58'3PJI5<2.:E2JXJJ!,6:':$4)SU@+\.2XE^0L1#Q.MP2J+:\,D<TRX
M?N5[=E;.E*-BU3.61E#)1@18!HO0]5A7AJX>A7G=\MD&XO6W<GB?!&8O!7-0
M&;XKNZ<Y)ES*JT52D%%V:Q&0=80G-Q07/C7^LKB=0O<##L46GD+9+)_),/-2
MN1U%UWW%_TF]G]RDC4I&+8;.B^8_*)$,T_GDY:<1)3W3]\VR>F4;%_56["8T
M]+B5^!I%7*4$_P N"28PSH/@,^)NFJY[M)_[!\@HD9\%RE-PCIQDW5.3S(@[
M6MG8(2LEW%OE/Z0J_QS^J!/")@(Y,#<"^NT&FR*7/33&J@A$1EHOY<OU A!M
M$LE*SMO NZ4$%*::B(DQE2-9,?%5&EP:2/G2*2:E_$T!#O3K9-(>V0<0!3(+
MBU8IEU.,*Q3>*0?!5D5QD0NSFTX2)Z$H5.=GM368<H@23X(2+(2,;4196:.)
M_(M)!PS<137FN6"7V51V9O$(<.P%=W ;)-*_9/&,%8"@RW-D+D G%P:1##96
M)'<-4-6.S)KE)IC*=50)E!IE_3:O:(/]$F A'HE7H" 5.,4%0ND:BZBF0J7I
M(U-XKKA=OP^"VIU7O:""VZNW,7<%J,@?I*A3S^7)=VNO27RNWI1H7+L/4GGU
M%NJ*U7O1+$@\.[V9JX;(!7;E(8;G,8$DT1Z*TJ%\Z@N92R7G'\(T,5>1F<KY
M6"1=U+P4_;80(B 5W&BB,K0IP4%3F8C-4JV8T0:MDN79LL6STY?VS$(_.!W,
M@]2CJ1823T"3TKA8*""3HF8N(A^0=<J:J $OQ[16Z U2&C^KU,JV[Z2E;"?L
M4#^2E5E* *R5):[50BRI8RIXG)LDOH$90>%'F&@%!@9V)NZ4CZ7LQK=B_AF\
M+T"3=#3110-;V8UF*MNMRO+>L,/FD:IPB&(6<2Q'+9@A<YF]+<!!XP(> <;_
MR(1'Q7#J<8J!U2%;1ZE4I(I$DFVR? 1>]X)(KF@F)6TW"A.9JW9*98%S51:8
M2W1NWX*U"LXQU>I%C.Q')11G[B*MMTK=AEKJ-]S0-Z?#-4B-(W:#)10^KCIN
MP,K*(=6ZK2-(&GKH*.?['E.P"H65A3)I!0-6B$22^%83A=O  -"VCQZNRJ21
M'.Y2^84JNB[WT)$] ""1:[IYC<?*5#$& 1*:,.5':/%C>6=:7(!(K! WI76*
M*%J*S(@0)GY6)YH*.B L^O9A!%!UCX &$(/*:<N]P$P99Z%12;M B53YD-%0
MKH6E"%^@Y93X9/? "+T'YIW6WZB))WZJ5KDU0V67U[A&2Q^W$\I,:HJ!G-(%
M.E.N &-!9$Z?0BJNLKJ35\R")'1"CN(0BQLPZ>E)$R H"0'2.#<R%KQFI*S,
M6PJZLLR!Z?>/I!1)>TJE2+K.*"M="Q:K)JL^9=D<1:A"8F"JOBVSCIX'H$-<
MR41$*^Q;Y6&GPT*S"G;4E?Q<M<]*4K.P,8.0A*A6'JT<N!R1*!MCU!5EHT2Z
MD)+<W)+&409K45/(6AL$4DE4VY6?NI<:**.'<GXG ]:-L&+3HL4I%++D!9E8
M>F/QA1M3/1;6PE<(BDUH1;! ZLK4/F'D1AW?B_77P=RU-E2&%]Z8R]WXJ>.-
MU5,*0<5&@4_)"+KON!&:W0N*N8ABK2KA3-@$02[<$$J0N!XF!%%H8ZFU;Y>D
MIAQ)VF&'>ONHH/?E9HY ,5&L"@=H)9)0E0)%X'J+=','&M&Y K[\>7Q6U_O
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M:+J?.P2O"@Q<M?E_9;M_U=>7TH,C2Q^[ ?9<JI)F%A=V(<H]UUA(@N5K\JA
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MGPI%%EF%1N&[4 [ZGF5%%/BQ?#X_.--HX>^\+'W@J\CUY-X[& []O2O77NY
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M@SI]9D9[#NH\1<O>_'S>"U.:OOC?A<YTQ<9<4>*B"(T"2K3]T\\RGUNVJZ]
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M^.YN=U,24J'OW26.T%TD]RRG4EL^H3*+YE?5]";4N<F8>)):5SXD=\:RZ)Z
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M;X'+R;);3J=7[#;*BTRX0&0 YJ.WDA&95M%J.YGTO#*6%Z@C0\]97X&Y6"Y
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M%4UU'>3+RE<A7*:%4I4<6.4K+V;6.3MOF:&_3LLL@W*PN7L%5Y\*V\F)5QX
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MW-#*I6Z(>$B',A\V",<(U'8^#CZ%V_2>:_-D-,*88O]!T;QEH>QX?6Z_I>
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M@WC)$FTZCD8.CP XK[)R7 2@42=Y&M^S!/[F!&25!8^ 3?!E*D> LNR7X'H
M)1\V<RAL(-F(69+(+4O0VR!?1\-!I!.!IF]Z>WP":@;5K.:2HHQ0I#_U5.'@
MX<PE"2*ND.;/T]7F+Y,;8'Z%3*X+;"V3)T'Y'DSJ2=N;;4]:+I./6B&3KV0Q
M[Z/7EP8?NO[.V- OXV).'4-=>W4XDQ5O1>7=)7DF) RL,JVM@I-AAY"-@$WF
M'C@G( C-CSH8=HAK#[ MF?"" -,B 'NG1P*%B<*4-7O=^QFK5L9C!3 (GX'
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MTV@1;@>DE;"2;%&%0X5W.MK)BEQR]L.7ZGYNH($"I$WS,(4R1/'FS-#-"Q/
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M;6<*X%L8 *'</3^M%O(S^>*/$NV<0U^<=3.:.+6)1=O5O;9VN +&U[2GLOX
M4\!%GBEV@Y&NWF<B>%N(BR)K#SN\BOS4L?]H#TB!^1NPM\T@N0I8%]-4;5C!
M >,3!@(&$*_Z*D[8@F=00S,2<@5OBFA#@"!_)"!4HD3A&17 P&A30\;S#WZN
MMPZ[VU[(52:*).6YK!NG'E'03T<U,!8+R:<T2C&0P[GO_^%J4H<K".#(Y/<D
MY>ACPYGM:431*-?^)G%.=6JM2@'LF+VP3?@KR\?B!"N;?$0!5Q19VV>(G"&<
M$>%QTFK)H6&B- $+Y]6$:,1$EF\V'0S2(]#8'3UD<72/&>J(K^5JE0[M)04Z
M"2N8<'1D0!"ZBWH-L=_"/[$PL5[ D.4I?!P+* 6(6@\DB.YK;;IZH,JV\?91
MQ3!LS$K7)Z>X3Q<G[M^D=\-^Q=#-V)!EHK"!FGY:,=Y\EI@@-?W55%J%PVXA
MH8,9:;!M2%VXH3H),P9*>?!NB9Y,5M/XN0S)P!#=\>#:VC9V)*Z)Z($#ARD-
M1&M21-J#;D3HNC'Z$L?^6&!# CR2"+;?1O>"40AY@34KD-U ,AB$.J*VB-"[
M+\>G8%)2;YP^B+[I!1=U4)VCD[XMXK:"89!YGP@!*8/RZM.TW:,A/5Z5PT#/
M/\'YEB0OTPG<*TWUNAVO#U C5/#Q_OY$,][=UHO,^-W91/0,"7#0"C/^)$N_
M5_"!)?%.W477HKHJ<I59TJC:I5IV!_;Z)*U0-&+ ,8EB)&$+J.["9G?>1Q4
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MV'M)MVWS7L)!$2@7O5$![I_#!5PF\L-L8<Z-D]0@D(U$(TA7AJ6,AA'YM.8
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M&1([]YA84&47BC8@F<%J"DJUNT8<_UK0V,/=,@YEOJ0+VT<5'DEHL5,/RU]
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MGH9PW>&BHVV.UZ:$J=HSI 74;4:B%5N8?CX9.A"PPV.\,W8!X5.'^VERL'=
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MMED:<3XK3^ILJ7NR[5J"/<@XKV;V6&:CAO'QF7F'%"//( YUA442'V)_ L>
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M;*9'H#555,,*25- ^R<[?:S3.<V:&_-X3X.4>$8-4#_%3G\?4D)1J4D2%WJ
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MY-.O6#Z!3^%_WY[__C];N47\=?9U?__PX.#X, *-AR_-,!\>G9SR0)\WV@(
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M1R]%)E/5N9:X/@6)4 *MBWR(R%Z&1OVQJHMF4DBUD5A#(<J\*TTP=%,LX*I
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M@50;FR.;3:9UM@+_'+)Q\":G/&D:<ZE95MM"X'5>$E<.7Y?N2U/205<S,9.
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M.B:8'XRD<1]U<&P=74:*AK$@/]R ??I>6Y!HS,S =+VBEJ""?&HS'.9@JI3
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M0#DS\A]&>#=(55@@OX'F$M*,/&OK M)/[ XPQ> 7:YA-(ZXOG<P[IHOEY>&
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M)WTQ/^W$Z;B/A7E+N AI3NVT9IE>PXH&>9>Z];O:\)\D[3#0-KL]"?$'-#W
M?+[)9Q-^1\QMK2U_[MMY9RW:/^V ,61S4*%AZFSP7>\T(3*[B*DGD2-A"GBO
MA!"$?S4W9OJ1*%GJG&!C'NH)A42N"8/H1WUKSTHF,;NLM2N=9$-$S/"SN4SR
MX<.'%(9R?),M("%\C@+:_,?)OI=Z089S[E(/P)WT)?6(;;Z!EQKB]]40]U]J
MB#_ 9 [4'KH5F=I*NC-3V\#9(G-'>T-+%;P#K'(0UL*C9H)/_C#?C<5M5KQ,
M3LY, =5=OV98 ,/#)8H/W0[8*B,U$%NPLYT?K2>+/0ZF7:R[X4#R>A2T2] H
M!T0N37&$<D"(_31:>SA0+29,[@KYV''&NDQ4U*1N-O#'T!N:%"II5>>W17Z7
M4@N(C@E\.THH.<C;FOLBVG_;.N*NC52ZK 1D*:&@U.)5$:UJHT7[T;X&/^<W
MC3]*.8,%_X(#41+"Z3:TAEM1 SV-]Q,ESI3T1/Q+3D_$5><)7!<ESA1PW> =
M_*=/;T8>7_O_6&5E@XG@15[#-,8^:'2/_9S($TR2@?J)MB$UPDHK 0GGCZ7.
M/\4G5S#_CI)PJ8H  ^,)O8C8Q^?IJ$#U OB$ALE=#0EXHI@$[L&X:7_C3#O,
M9R4-1PIUYOHN9L;2'F1WLD:&Y,J\&Y9*W1-]=Q3W:HIOL#F=[.V:(5N#XLFL
M*$D3'I7NUJ+ZS5*7Q'.(0F%Y(X*DQLYGJYF7_I"F5S_E9<4+7:<A/HY2X"2(
M(B"N\_&*-G\"EA/*^Q:A 6,&-EYCGKW6(<Q]F.>ZW8.4VX_J!AE!6<>0*S/H
M?B^0>XP%TF:(XI __*UMA)L>O2BHLU2EE54+H>BVN5&\CY^Y:I("[!2@FYJ.
MR<>[U<ZW79+"Q%=&:<7VY-)# /,,LX@8$!" *K.Z.U?&[8))\1NI!-E2KGQ-
M^;])5D_"K]Y5J]%RNIJ%GW^LFB;\[,)>NO4-L ",0?&G_0UVSUT6S5?>*5I'
M5*69DE!BQNTE_/J?V1+&R3BP2LKG3C1Y)7 %Z(F)>S=#A*4/ OCX2.K(A.H>
M&L<3^,)F)[M<G3_%6KV8@(1_KTK.+\AB9B5N3/'B2Q8X+DT11^9I(JRZNB,+
M5.<XQRE)$)] O,WMK'D"87)*%JJ:2'];&3LM!BHR<3Y=OO\D]^0MM:KZ"NRC
M*V9L^>'LZO'M_.09">.\MPL]^DI% P@VI )2K3!#QN2/HS2UHBQ4Y"QR''$@
MFA$=&8<>6VMME6)9 U/D=5ZN +M&N7"2D#%V>57CBD$L3VH9HY&7YQO&-JCY
M 3&"I:WD3^#&D)^6DZRT6ZJDOO$-<VYR]LPXQ33=XFNPH3.?,)T?;GE4<)G8
M@6QXY<C>#$.JY.VY U\D[4(E;K (N-&G.M<,]J!>+9;C-:3Y4).MA'^CE*@Q
M]I3QN\W7U#]M*U!$F#.5!DR;0$/ CD]MZ?"&8(.0%P,C;4X>-ES]3FI(L#2"
M/)430YYMN58JV4^S+(>)B[8BJ_(%$;)F53I])Y@@_DNS^0RW6]_EU)3132_1
M7TU+6-W.HAT8K:M^9G>LM3U(6OMM%XW6@D(E=MOQ;I&>N)\FHE-O"X@L*PW>
MX58K9[A9%]>XX 1 E-]/$@##L$7UXQ/.M@*?\(ZTEI(/(L 407!]09EHTF32
MVH[<9]2LE+;9K^\^7,3L)WY'J;JD=4UD*6,##TQ X K1=J(:.I'AA)M#S0*)
MR#W:,L^BSN?%:LZ36&F7(G-9J-W:TF?KO4]5Z-0YT"DO1XW6KQ.-QI?EQ2.I
M)*]T0C3&\: [?$.RA^W$"+ET6;Q/E=-E[07J%F\/N,C\N&_Q#L.KY))P!WM;
ML5)AJE\MJ_'7CA6*$;A=GW@D0ZZ1^WL"OAOP=/-*\[NK[VYR53#G'W0L8YOO
M:)VDP-;.Q'@^:TL]!*X@NF6S-9\WQ36^YN4* (>J?$6K%+<QK"PZ'PNZ0> 2
MBR7QCH.;,\RL_V&HX9,XR0%/WC[9\N,X[2RMI>A992T-T_RF9OUVZ)V?0]2;
M?<TQ5?99DE=QG+'$_I+DP15AIK"Q[DT12W!86B'CY(S83KM5 )3NQL,V&TGX
M.T3I&I]ZG*OD GGVD-ZF2%_=MX70>.*#A4]T&BY*&_IWTR1 [#(:"";ZXQ9#
M#R'RR5Z?#ME T7P/A/Y@.X3)S+S^MC8FF\6U_\O\C1'$*C;/S_T,._^[^Q3I
MAN_);$.I$^868+PAT[4J(0V06,%OSP=1O5Q3P=S/B:63\1_! 64^!NM>KRW[
MI2#+.#]APW!S^1F8>'DNOS^2<KDVS[ZFJ K 94@9F,R+9I9GU-F'F6YL($7
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MW5>A]FZ(%QPW3*I9=%H&V],?MU),]@+TY;,"29,!]HQV2&P@M_NN-]C!X#;
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M$3?-^FZPF@KZ$%ECX1 BRG&S7URYM??I)+_-9]6"'+2ZPHZ.C6YS$C Q#N%
M9^0!/L2#'LAM?IH5,1#:;ODL5L27[%LWQ,[,%_8?O5*F^4V2SW(NB]D$L/(Z
M6:@'C[S,C5M:MM)W]FPPL]%VJ@8GK!_BY:LY=%478375Y<MU5MFK)U<)/AO7
MBFUM$3G8;*P5/E:V))Z&//)<X*D6<[O302H)SL%7J2R!M%P*?8"&T]EW67%+
M1#2P9)PRC?#Z^UK4K?NB2W.;2=/ _3_-XAD(,+AZ%HOG(I ^<J1.D15U@3N%
M%+@QD#+S&N<'14VNT;#1(IA0UP0-0B HG&:KV49< P>E<:VU>"4GV%;<&5JX
MGS3YF&M:0G>?'B1#+=2Q602Y@XH42RT*1Z V^PUL4)C,L1AM<^P("JDO1?7O
M*ZJ?O!35?X 5'"@'</LLK.#[\K:H*VM3[ 85,X*_LBN;,POK$GUL"+HP;^<T
M5(G-+!;6BKK;M*@;5"&;0%2*P==G#+ _&%=#WY';,BVG)-D7-#]3?4=!9K3C
M#@H&!G5>!F!C8VR9=*HB!"C*DK]F_\[JB?&SD9IF:75:N*$ 36%J+Z%=_[N\
MQK&IQN-5G7+:$OC+V-8^B4-P-A#^]^Y9+(4/I7E3\$IC^S_J@((+!\PJY 96
ME.XIY&=FQ@$UT#6\U$*D$KWM7A$3W&2WL';L%GT^,;]M1.D)IK/B/.1,1ITO
M9ME8>$OMU7@#AO9>G)-+=..]\B>#^';L7.4>19B:]6XBU*RE>33;>?TT,W(@
MD/"W9S$C4?4Y,ALA]7EC=F?BXN0<K<A$:Y)*EZO%[G>)NU#J'1W ;-14L]62
MPS7LBL @;K(2OBP6%IBL\O3^O;)AZD!/1F:H#!6PG@;[<380PF[]+.:;&*'S
M3CS0%TFK20:JAN02-B<O@Z\<-?B2\@D5\B\KO:59\36?K0E[ 9PF,+'BM5C%
M3Z]ZO(T]),TOKD8@?H14*X+B6"!<Y[%'$GVUH-Q9=Z]>Y9+V"P78$A:17H(2
M7T:<L$C6PN1ROE9?:JNV5LU+Z2I4FIS:N\GA<^KG)B8;@X;N!UT/H<HIJ@JC
M'2D 5T/DERJ,]92>F3[#<=7$10?]?&-Z;_8<']1HNZ9<JQ25PF_U#?HU@%EF
M!QL5;6^)OP.U]7+=;$P#_S2&9R! XK^?A>&YL(GX>V!ZNS"I:0"/PLPAO7=6
M7)I4J5Z)0EKC+3P35B/M*4J\<R'=F'?BD/S!4^6>+2#=NK$L#1N7C65IV+9N
MK)N4<?%<EH:-:O**-.PPE2I5]SO8/O77W]]^B<Q.HF$$*A,2MB?"R3$&#)3\
MBY"9PFSUA#*M&BD<^B@!4LL2]E2ZHXX/%(9 R8@J!5&1P70#0!J@_N-KE5"'
MMZ<+2(Q%G@ J4^'G4X*> \0D^=73VV50PM.KZJ8V#>(UDG4*XZI(4"8;[-LT
MX>XSVTCO\D$ZDX_?X :"8#X//<&M]:S/7CSK_QC/>C#'.F4:^3J_S4LK]\N#
MA;B7?ZW,HI^N"=KE@18$66ELJ;+. J^T?,1Y,L^SDGF'95L_/#D%MXI?UT4U
M0:.[X]\*4?K!:IDAG5T^EH_1LY>[E1)RH#0$*=81[@OPZ:4#'IYS)*#T##/W
MT;2OOF:'=5JUNIXUQ9>W!<!N,_H)L*%'FM?G(7O7*=>:_ 5L%I"IH1RKF4%4
MR2=RR.3>"JJL??F\=,S F0#+$=T93O;<SD B.@R:(IU20 $VJXR14V;+:&GE
M+(";N-7!6)(>]WLY.B3T#3Q>OZ"SV?GE30%?]W=HVOJ/B(]M[EL_:H:W'SYL
M@T\[K'AM8&GN(\ YO!BM$ZZG(86']X<U<IW +C9#&<872,"?#]^\0 *>=L-\
M'M)V[SR=V-?:;_TT7.\?&_3OL0\/5HME<S3QA&)],K_':\9:N<=?$DMB_)1*
ML7 _/<*P7EI\VS5BM]Y5?AXR3<B""%O\A2-!?(LDB)[?3&2)..5:9(FMETN0
M!@TAAEQ=$,21%HT5?VTKOI-:!:Y0B/'5H7;9I:Q >TM8&K14L>.V?BX]#QF2
MIRG; *SJNC)3^#^D&G/65XUIEVI<!K5=J5'5F/B77(T9IDM"56,.MZ(:<^EJ
M"6^A5><]%11BW/*>RDHTOHHD]MU^*:GT(+4$?[IT'$Y5_!RR[[3MVAL<P0U*
MQ<-KQ)&4+K4=8.8><39$ZIY2B458X%%1DI9 </2D J<"#H:4VW63&!_+>&09
ME D((\FIM*+!&XKI:D)G< 6&=UFI.@16+IQ0MBJ8;_+:V(;/%^@'-;*WP^52
MQXB$ZQS$9VFD'G:A2#7%!;WPT[!#*L@,/TDN6,)S;(@5<?@%R0-/5[!C6L>8
M-K50.)T!>CEBZ;?0VMD6ZS>6>J/]Y='QX4'WEV].VH;2?7G:KCZ[+\_B!6\T
MOX=[?>8W:IO%Q$;/*B9VF%X:96*/ML+$7D&X02Z539E[CF%TI^+!4#Z=LXUD
MZB*)KZ!"D07DW/!WA)U;VT=G\N!"9I'?YB6@:L&U@.+*/,\ITS=5=680JW4/
MV? OD3<"KWD+"J,V6>@ 1*UJ##JYECK'V*\EG,YF.\E*T^\#(+ -E[P;*4KF
MI(3Z^/?8X)9IU'1+'CK>A*@FE"^EX6=1-4OSP&Q.X2*<*ARR7_\W>AEJ,G'R
M$6IX$T\8[8<VE!^K.U C\EA9[@V7W=_WFMAI$Z#"KOF'F>5F&[#UW0I8JHIQ
MP1*U=@Z:%XP?Z&EC/9[(TA.WQ/-%U$KQX >M-R7%O&DQ7:Z3G>,]5A=URJU%
M62!;P#PK9ESJ@X\_U]4WB.K,I(09]5^?.:I;X<6].:]7=D _87=$2C/HA8CR
M=F45K#RK6&YF$D,OA/!*_SBB#.[=$LO&MH;#%NI]?>\JJV5/A_(UO%6<&K9R
M#3-KLJK%/6D/,V19YAAN(V5]O/2+:SOO'KQDYP<MVTNY.S1"':M7):'@M<$-
M$LAE4@-/)784$[4/,FK@)*Z]$SM, *85.'E@Z7UK!X+@VJU%2<S]+Q:KD5DZ
M22.S+Y)V@LN[E^_?AP;WL.^]=(K1'6SM/\UP;*?SYWRM_1Y?Z[3MB(D#L;\7
M==+$#XL[:>R'#=/-Y^\/6^"',1CC,K^&A#0M$6M1?^DQL?&^/3*DBK@E7O-E
M/V[GVRZ@16#-H-VR>35V:JKI-&<7ISNAUY7YYR>S?U^]OW *A(J@#J4$T<=R
M?B*U\"DN*HL_C#^/H)O6NWBCYEG<NH\:XU2EU(WMFM(=F$6_P"($_.%^$T9R
M-BT.1XO/EB+?@'J+SC*9/\RKF2=7KX[L3N4=ROLIEP!H[+$.BU8'[I0OR6,Z
M[![0.P4C&T$8B'?/40V=I4$4=7/EQ4CZN5J533ZS(4-=F9T5B5D6P#"V*J%@
MCT"WVR*_XQS/7,97#8Y^#N7UV+<!O^SQ7#PD&B+4S#_62(+&;I#9%8!V8N)/
M;>9/PRV0N48ADH??M8_6%9U-.262;L^['E$]F;Z"AIM*GL;Z<PI*\#IYSRDP
MN*/8O+_'_6&3X^;[XSK<A($-D-WO-@B="29^#NJ\)7_4>28(H AD*^QYYAD#
M@OL=U_[PK3VGLUFS.3/H\&KH0-EX-F;I8"[QZGX[6YFA^;H6_ :Y(XW82X:U
MZ5B4 >8$.O:"2 5"WY!HBTV#J8DCB^9&/#7XJ"BG@%<03-R8M;G\M=U?#?)
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M?!A%:@4BW=N*G?Q\#%'2+[H:^Q/ K1W9I;-HNQ&_NF=$7M>N=,&.BQN42AE
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M/W8!>?P,YI)E18 S7BTP TFTS\8_%%VY90/Q= H.=8[TDR[UWPZ4) 'B>6K
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MUTJ--[7;KG#"757E*\9=Z1@09 &R9=8*0SPGUMV2+F9VCA/JW<)8M9%Q$;5
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MX5!%,W#IBP"WJBGX*9I/ZJI!LSC6]> .D<\U'2E:CD8]J$_(PNL"Q)H(4 ?
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M-(\_Q^\8FP3[[F)W;ZD-)@C+Z-]5;J]%,$3H>"TO>#4D$900-/Z\1WBO]E:
MQ^#@IG3-HLJ)T:^*\BS.F?:3UP)/<SR-AU!V& 1CD0</DCP9IW4TS>+\F@%K
MXH(V<+<]*!Z16J*[3?J"?LGVJ6(L"$$RM"A8KB5O(3)""X *IB/R!!,0*O,$
M@AD;D'-<#S!@-MW,"^OOOMW=L=Z440,UE2<.KC#.<OT^0RL-HVJJ'DPAKF$
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M;@B&%O0I)_P*E [F@I;#E*&MG-].4E.<B<#)4S7ANGRV09G>S&]%[?'RNE?
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M?D2DJ,LB)M.#I2A&^R*!6019G.;MOI>(DIZD6_AFL8* >R@@^ X_7K5'=EF
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M '_GY6E\6AK3=Y;H<]+T!Y*FV\])T\4[*AL+HKI=AEZ&@W%'_+!1B=<P'@<
M2M\=G2,6V 2JB#* B\MK^"\5=/2Q:'Q8IE."TRQGQD0<I96$$PCP"0#2QHFJ
M%Q,<*) /I$']A =%PZX'BW*8&-I-=I'5$3'@Z.EW!1$@KCDORNS*E740U T4
M./1"O:221T<27X6)D:@2=(&B=3A752-,)&4]@G8,T50LNO/*2%6622E'/7N2
MS^@92%L'A2'Y*78^KB-T!#0N=8I6_+!X,8VO)M+==5T@@^%1W)GDCL)4DB?
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MB50L!2'WW?.BQU2M"-[8#F3P+^(L5/R[DZ';V/JH;DO#PLQBP-TXKI*' .S
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M:_(A655<GQ0))#K@J0^7T+BK(;6UMBAW^*D$KMN*](N%,>M,P%V'?>8GXIJ
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MA$W!5D7 1Z:>QO,D&R$ ,:)4< S%RZ;8C47,'D96CD=?BQDI.$S4%%4]-1Z
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MUL[KPE]O"V(K:\,51B)KYW3H;]B&C47)VO6UI9"U!U*"WL1>OZ\C<'?8KF4
M6EP$XX1>^%7=FOT%B*YB%1@0G,UV7S**> D5)-_/TT%*'?CA'C4V-00'MV(3
MU+W)P7E!M1<_&KU8;'#&YV-I%#\!:3P;8YKE -"O$WY.O5G*-:V\2?*@G<S&
M'[J_"8+XSN_+!JD^Q@)]F8'CG<LSCF"(>HY%[7AF)0\$%AV<#93ZET;;5D(V
M2;6T25]PB/U?5_)K,PKO+V;L\B<8P:P*30!#-AYV8[C3G& 17>>B-\!VW_8J
MO_D'H,J>,^"_;F\_9\ ?5\0O \SJW46\#K-&)Q!9-09Q45Y%!SF:@DV-V\9S
ML<@55WT+5.%:>F+=:N-<[UOB6*A6 FIU0CL3I0RP8V=%-2/H>Y8V0SVKRLU*
MG^_43; I-O,B9TZ"3[N[P0_:^55&GF6QD<A74_)%S!QKHY)P9NY[MBC7@<@@
MVJWKD"Z3,R#M%O\-3737U<T#PT#Z,7VR*-5@J/$/EL],>(<!^I_136^*;@J[
M(FN,5HP%)PD ^Q?#F1QH/ ,=AXH\J,N8/##+L#Z@V!_5=X-/5U?-@+DD631.
M(8:= A\UC]L6,H"^QP;0%TJ&48N70X$<.#:.=M\?6P_VB%ZD);(1F.\8RZ\H
M)GA0]?09P^">Q@3$ZL,>-.U0Z;UQ='-"LH%@)K_<<CY#?P_!U0LRL 6<,8/8
MW_MMYQC=V@0X3&!+5M8#W)/AL=SSQ5J4"SH/X6P]2-_ +N@\$H:M.>AG&[9=
M>V$NZ'( G.U4E=FQCN#>H0"40HM%C)^43JO.1ER\RY1STJ$N:"NIR#O2^2?7
MX2)V-$7\4IWJ%(B+=C>6#/1D-OC*O.'T?2'H 8$"GDG+3[*Z>)!2PIA3;Y(M
M3/-9:9/"+J$X)ZG<E893\2ZXM!;=A-:S6MIHC]R*.9 Z&VN+AM197R9('=CO
MWZ$0\[1,@Q" ^SN[[Z.CG>/3/Z/W^\?[IY_P/V__C+[L'/RQ?Q*='A_L?(C,
MS[]_/OXS.CB,=@[_C'9V3P\^'?:CH^-/N_O[>P>'OT6?CJ/=3Y\/3_>/=S_L
M''R,WAY_^OS;^U/X)GSCT[OH]/W^QVCGMYV#PY-3^"'Z9/Z_XVCG^. $'_#Y
M%#YEGG-PJ#JZ#V$D?YIG'Q[N[Y[N[T5?#D[?FZ\?G)AG'>_O?]P_/.W#M_ M
M]$3Y_4FT_[_[NY_A6V;@_ @S<)PB/ >_"$/9V?MX<'AP<GJ\@W^'Q^S38-S@
MS5+L')[0U$_@::?['X\^[,#3X>/F#?0P^*<QQ3_QJIH5]4<;G;S?^?#!J,#]
MOT<[M*RTR+2X;NX?=KZ<?#XXU<O<]Q:Y.6^:G/D=?F'O\_%^]';GQ(SO\Q'L
MUJ?F8O>;(^/''>_3M&"GCC_32O)"X9]@ =X?'$5O]T^_[._C<N%D#_9/U,2_
M',@LS1*8Y3KY].%@SSP77W'RV1P[.49FXE_>'\ O<#G<"M"ZO-\Y,:\R[\$C
MN=>G(]":=^,I_.7=G</#3^88[L,,X$GTDWW:*HW^^-,?9F5@8W&SS:J<R%G9
M^6.?OO#N\X</?T9[!R>[GT]@5<W15C/GZ],W ]N#WY]X3Z4]-Z,X^?SV=_-D
M6!.S4OO_N[M_A.OI%LY-'X;+-P[N .X37P SF>/]HV/SED/8*?,TMQY\[M[O
MG%XW-]PB7AZ:W?[ANT_'NW1A8,1P!'8.=\W&+KF,WYZ#:[2QMFA<H_7EP#7:
MS\R(RB(WSO I%'U-TJIJQ 2"A6T4UH1$F=D;T./:" *XQY*\* RIH8]A; 0/
M<B"$--"WC[4X8)2A1$VD*GXT6@G^KM_ 3Y-AF<?9+E_$)$%'#\D?QO$0W7LH
M& ,H\X1+?I(7V.K+7[NB#[/WN#H=C<5G)%>0W"5P6OHJ=%TF,>,^(:T?(Z-A
M\10:1]C&JS"<.M?/J]P:,DDM14T00,0KJD,8-C'EJ#PBX2J-"EJ?4\X4H_TH
M;^:5@O4EMY8RI6[5S"2H9WK5F<*J]*IP "Y=DZ )E'%*Y1Z1I8T);L&/KK^7
M6.1O0P;!S"^NK1T;,M@=Z)Q74@;#4XEX]Z"B[)PJ! 1JND@U@[*Z=G;,F9?%
M[.S\/I<!3I9>",H+\_5P\0M\'H'7#NF<)2TD$2BGO'"Y9KO1_-"[2O1[ 7@_
M^-]E&E70<9^'^KD^!_4S7-4GZFL>(IH4@N_L[1V WM[Y\.__)O\K)V5O_YVQ
M8-&46%9-S>LW#]9P?0ZL8;A 2M9O'J[0^F)QA=XL"[+[#E>O&#VPQ_1L1L>$
MRQS#E2XC][5VV#^ J]5G,20<:YA&[.NBG?,RKFPQD2@Y]0U0X9B5O80D=3BI
M&6II?,XWSLDWOGS.-SZ>9+,,$J]>LQ!:&)]QB%9O+K'QU+$NJC*M\9B#DV+
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MJ7!W$*I 6$KC4>&$AMS;E)2E&74UZ0E'A7E,,4F'=._*;\;\4D^CJD.IU&0
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MMF]ETP)/\IR:[3U!=,9=IGUHLG6VU3AW28#2%I0&VX![#%_WMT3JN<",XMN
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MW> ;]$DFEV;'H_^()]-?HL/BR@SZPP?F&X&3.$WP.#($##IO0O_F6N8DA-^
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M6#3Z_8ZHBF:]V2P^7ZWJE3PS2WEA!<Y*6#,[\(+PY=X/4_ZS)Z)XY:F7>]/
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M;IV0MT!:QB9U)33%,;%-%$%)$LY_QPGM$*-L[& H"A7$\! JZ:T8MQ6R[9D
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M81:1,#_+%3'",]Q+KW1[><#6-,FBLJ=$4YYM*H[^++\[-7!I@^[N.[.T^ )
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MFLAN[TIDEWZ79OV$?X/GH4GFQ_LW> KK2'^]>$;_CA'_,/]:TW\ 4$L#!!0
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MSHT^='OV_5(<%/.:IYF+K1#S."K)KOX"4$L#!!0    ( %5&A56ML=B9?P@
M '58   5    ;F)T8BTR,#(R,3(P-5]L86(N>&ULS9Q=;]LV%(;O!^P_<-[-
M!M1V+&,%$C0NLC0=@J5)D*38%X9"EFE'F"P&E-PX_WZD)-HB>4@I%27KIG5X
MWO/RZSF2K$1Z]WZ[CM!73).0Q*>#R>AH@' <D$48KTX'FV3H)T$8#M[/OO_N
MW0_#X6\XQM1/\0+-7]"OE/@+&BY6&-W>W2S#""//&TV.1M[HEZ/CMZ7X<,CS
MHS#^[X3_,_<3C%B_<7*R3<+3P6.:/IV,Q\_/SZ/GZ8C0U=@[.IJ,__QT=1\\
MXK4_#.,D]>, #Q#3GR19XQ4)_#0;="E].Z>1,)B.=WT9%?RGH9 ->=-PX@VG
MD]$V60R*(?)PC4Z$?*OIBSE-CH^/QUET)V5&H<5Z-VVV>@CEZT=)A._P$O'_
M/]]=&K./QUPQCG%ZY<]QQ+K,TM.7)WPZ2,+U4X1%VR/%2]@GHG1GPU?GF*_.
MY"U?G1_WSN,FPUMQFAY(ZD=NQIGYZ6/5NFD^Z&M72VL;\K7+5695CCM8Y5(W
MS0=]BVE(%A?QHOV!JUVY&OQ]ZM,.4-$[:SZ!]D<-##7B35?LD]0OWJ8X7N"%
MZ)E[6XZ=6=?9P39SWGF30'*-^%F$4'TZ"7/-'!,<C%;DZWB!0^;L>?S#D'_(
M9L%^^').V/GS;)ZDU ]2X91-XG0 QM(PY6-78F-YH#Q?&BK%"=G0 "L]:"/X
M$LVC5RV2M,?YT$RFZXAURZ\,<#S\?#] X<*DG65-Z!_1^.^[\7[4^DS/J+PO
M/@W$D-C'BFD4BG% V,GR*1U*,UI2LC;M ZE8OF(U,K\3),E02I A=]PZ<1](
ML%GC.'U@C@H.4*B8AAQJ@%O9R!5M@*<)-DTZ$RV(-QT6-'#]B7W=9,S**D&9
MGMD^9'_0,&6'W'.R7F_B,+_83A0:K)IB6@9- _Y 1U<@VLQ-1)IS9D4(R;'#
M,FK?-5)SD65J0;G U^+5/L?W) J#,&5?:#^Q"PX:^I&"E%E03!$2-,!7MW/%
MKM'9!*XA8;9O1R)P6&0M>T3JK*H,JZX5I)I<VL?TEF)>'Y@M07:DYQ>[]&:Y
MQ%1!J%I83-8F;("OV=85QI4]F'"N2)RQ^# H"5"N0)GDL(#7V%7RFO67@3?G
M"/"K7#LO@,LDV6!:NPR,<K@8 +F[DM#,6RH,4S\URP-.UXLDU_6W5LQ;#U>,
M=7NL=:-E&JK'T$/[-73&>E_P$7R,_)4"*A@KIJO$&I2"Y.2*>\C4!+FNG>V:
M$&\[++OP+I"*Q9.IE&0"02"WNQL1'\,D\*._L$\_LA;U6V*%2KD]H:D<W*E0
M/%W?M(#MJ^Y?0%G[6QEY%/$PRN+]N*]AVD-2>\'ANQU*@GKC _3KFN_\#GLU
MX8 .9%S2.:.\Y-H.YWH']4A7\S36<T'_:(?V$^3=L/0VXDLI,/.:9W?4[WXA
M]H%]%S80#VH4VA6- ](E1]>40^95A.LY>[H+K%D0\6@_R(;WC=1<9IAH2:[2
M#'BU3_)%S$;Z<H=7(?\%39Q>^VL5*YNDF"8L:8 Q9.B*8HNW"6)CRBR/H'T(
M\=AA";9N&*FWP#*_D%K@:W;JBMYS5CS4CR[9E\GM[_@%Q->@D?C5-(T!5AS=
M$@R;VQ&&<@3#10QE0<2B?:#8M&^DYC)#'"MR&630JRN2/X81OMZLY]J]/%-8
MXK<<;HSNWLPMM9JO'5A%+ECES2AO[P.EP,:0ZL6$V-PK92Q5AZZ(?/"WEPM6
M$N&R^*VD!<\*K<2J4=L87(.S6XKMG=B1MN4*OID&R:(>T5ZUS^25VP'5@2%-
M+@JK=U<5<AD'A#X1F@W@/F77[N=DP\XA+^=D 5]*U\J0JJ4BHW'-6/W=5DZ=
MKNSU4^T@JDA2OD&9%A&*"CWB"7THJ'I D&_:,:BXK,ERB=7HIZM"NUACN@KC
MU6^4/*>/YV3]Y,?PQ;Y5*1660=FXH$!?MX5DZ\)>0.9,43A"@7()*C1]J!7[
MWI)7;0)4&V"27!,6WZYJX6RQ8 PFQ7]788PG8"58=%(=@+K&50"XNJT!<P?V
M"C#E"?Z+P!OQ 7$)NHE[<;:P[2EYQ?)#] ,I,OM&S\.1[]4DWZM)OM<*^5[;
MY'O?2+Y7@_R'9])/\KVZY'NO)]^K(M\[-/G3FN1/:Y(_;87\:=OD3[^1_&D=
M\MF&]?2H/ZW+_O3U[$^KV)\>A/US]O&&/I#GV$:^KH*X+ZM<4;_W;(5YS;X6
M\4J6QCN/\V_%7-$CTH%=A#B'E]Q"^3X!9%SUZYCP["OV#;VEY&L8:\#5D4*L
M:U)7P"O&K5 /]U$+?2A5XW]W6TC(>E0$ICV&*L&R%Y9R4++ F@"=NS[TY[>=
MK,=]60(>](7$V1$_-VSG<"]YUSO6EU+T WT>[!'>ZHZ!!WA]A6U']^+6+GAH
M+SMUC.\M25(_^CM\,OY6P":$4%:$KH"6;%O!&NJA%MQZHH9X+D%,TYN;^]9]
MA8 W[H %>RD'A!]P;;\$^,74&<4^ #T4*B8HAYJ\]:%DY.RE#[JG\9T/JG26
M76KSIA[0"6X L2^<3&!9M7O;@Y;9/F7\15?1[2.)X;^=,86+R>CA!L2I9JZH
M,_B:R /ELZP59<V]^&L"X\:0ZL642525@D;8H8,GZG&PH:P2)M[\@0]4(<44
M+B:EAYL\2Z^8.7N2'O8U/D</R6?91T26:.+]-/\9"=&!GZ0W[0ZI7E$92U6Y
M>X8>=&@?RVOR0'W^XL+[E_6<1, CD!9%,350T8!/P,\5HF9K$Z6FC-DU044$
MY:$>/"AIVRM2:W%E6@&Q -;HTSZS4L<*/V"LF)02:T"HY.2*3<C41*6NG<DP
M'I9#>!=(Q>+)[$DR01V0V]VI^V(;/++-P, #,3:)<@J7)0Y.XV5#UZ=RP+OJ
M=*ZES$0$B5 /'HBQ;ABIM\#PF;VL5L_NNE/Q#L?26ERQ3_S-OT53F+\I=_8_
M4$L#!!0    ( %5&A54)EV@3V@4  / ^   5    ;F)T8BTR,#(R,3(P-5]P
M<F4N>&ULU5M;<^(V&'WO3/^#2Y_!8+IIR83=H=ED)]-LDDG2Z>6E(VP!FK4E
M1C8!_GTE(R58EF23R\Z7EUSXCCZ=HW-L8V%./FVR-'C /">,CCN#7K\38!JS
MA-#YN+/*NRB/">E\^OCC#R<_=;M?,,4<%3@)IMO@=\Y0PDDRQ\'-[?6,I#B(
MHMZ@WXMZ'_JCH[UZMRO'IX1^.Y8_IBC'@9B7YL>;G(P[BZ)8'H?A>KWNK8<]
MQN=AU.\/PK^_7M[%"YRA+J%Y@6B,.X' '^?EBY<L1D5)>F_X9LI3W6 8/L[E
M1,C_NAK6E2]U!U%W..AM\J2C*,IRBTDT?%/#*TV#T6@4EM5'J&A$/*T?98O5
M"X+=^G&6XEL\"^3O/V\OG*-'H42$%!>7:(I3,64YO-@N\;B3DVR98OW:@N.9
MO4_*^6,;N3HCN3J#([DZ/S]U#E]";R[3=,\*E+X.S[)?G6MMFI>3OGJMI?51
MOGK-519'.?X.J[PWS<M)WV!.6')&D[<G;D[U6N3O"L2_0U3JD[U<P-NS/H J
MG1931+_U8I;M.G]F\2K#M)A0X5I!BNT%G3&>E9>%9M*RG2 518.H_Z&DY.^W
M3W')<2Z 9>52O%"9#&\*3!.<Z.DDUV>***?4DZ8LKLR3RBL@XW4K<C%/Z4..
MX]Z</80))J%4*O\H)9=RQ3__G3)Q[9],\X*CN-"=4NG)N&.M"892C5$+WYRH
M7J9[T='@:2LIFM52E>6^AQ->98QXK#N)/RL&UB_3"A$N$1?]NO&"I(_>SSC+
M7"O)O-3WZ1T'E0Y!P8+J2,83S,>=OGS[)@;.,.?JT/+P+DFG^\??6QHX$6P3
MR?@\17/#06M-K8-1@^>ACWR#B<90Y>( L(LZ=H_7RL_B).XX'JT8X\ T,/#<
M;2.FY:%JM%!N1^_ [7.2QRC]!R-^+E[)'7X[4(;C-11<S_V"6KI>:Z)\'[X;
MWW>Y;7;>@K-Z7\%!=]\MZB#_*VU4 GX!G(#=6]%SDN*K53;%W##>559+4R_#
ML[E!0H.[]='*U _@3;W%<R*%T.(*9>:UVP>IF&M"H!KLE=+*9+.#,OH(O-&G
M0AI'Z86X%]W\@;=6IQV8BM4U#%2O_6):F5UKH=S^%;S;%S1F?,EXJ>].R,2G
M;"7$;$]98C_*6XVH)*%A!-1<'"*T54H:&JK,_ 8^,_=H<Y$(M61&=A^F>"[V
M#=A*3IQ8J EI)ZY5-IRM5"I&X%,Q21(A-%>_+@G% VLB/+A*&JPXJ$EH%M4J
M!=8V>G\'\C:=BW[4,@)1RPA$[RD"IJAG1B!ZB@#D/3X7_6'+" Q;1F#XGB)@
MBGIF!(9/$8"\\5>A?RK^O.;W;$U] :BC;/;OHX";[Q1TB/7[3;3QD'?^*N3+
M=[;7_(:S![)[^L;IO@-JBT -"CP'?FF'A*'622<"_DZ@CO/N-L=['JA"K"<!
M#0'NO%W*08>_[J"=AK\]J)C?L+Q Z;]DZ=P^\ %MKAM X-[[9!V2 *./S@'D
MW4-YS9IPC"S.VTKZB9!*"9Z['NH-?E9':@<A[PC*9V/3FP6C]D]O7&6U'/4R
M/#<;)#0X6A^M786\9W>'XQ4761Q$TWLITW#5559+4B_#<[5!0H.K]=':5<A[
M;O<<R8?M[[;9E*6&I=::6@RC!L],'_D&)XVA^DD9R/MF5ZQ"VO*0FP>A5L6*
M@&=LLY &>ZT-M,F0=\;T&>9L$R\0G6/+!^@^B'$FKD+@^=Q"2LLS<K6#=AK^
M!MA9AOE<Y/0+9^MB<<JR):+VFU\OLG(WY$#"L[^]L%;W0XY&.@R0-\7^$ADN
M,!6<LQ55G^J9C\)Y,6J='!AXUK<1TV"ZHX6V&_*.UQU+24P*D=6OJ,"<(/-M
MF1N@S_ 6 #R7&V4TG=TMX[6_D/>Y;CB6L<0TQN4W*.27=?CU;%:[3VX&JH7R
M >'YWEI6@_^^/CH'D/>Y#/X7>;["O'4:G'![)BQP\,EHDGA8/BS==$I>NI=V
M$M:6\%*\(+]TOJO('_)+VA__!U!+ 0(4 Q0    ( %5&A56%BMT78R$  *V[
M   3              "  0    !B<FAC,3 P-#4P-S5?.&LN:'1M4$L! A0#
M%     @ 54:%53AD2X/S7@$ ,=<) !8              ( !E"$  &)R:&,Q
M,# T-3 W-5]E>#(M,2YH=&U02P$"% ,4    " !51H559@(P9@0:  "V:0
M%P              @ &[@ $ 8G)H8S$P,#0U,#<U7V5X.3DM,2YH=&U02P$"
M% ,4    " !51H55Y4I0:48#   W#P  $0              @ 'TF@$ ;F)T
M8BTR,#(R,3(P-2YX<V102P$"% ,4    " !51H55K;'8F7\(  !U6   %0
M            @ %IG@$ ;F)T8BTR,#(R,3(P-5]L86(N>&UL4$L! A0#%
M  @ 54:%50F7:!/:!0  \#X  !4              ( !&Z<! &YB=&(M,C R
C,C$R,#5?<')E+GAM;%!+!08     !@ & (\!   HK0$    !

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
