<SEC-DOCUMENT>0001140361-23-015816.txt : 20230403
<SEC-HEADER>0001140361-23-015816.hdr.sgml : 20230403
<ACCEPTANCE-DATETIME>20230403163933
ACCESSION NUMBER:		0001140361-23-015816
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		12
CONFORMED PERIOD OF REPORT:	20230403
ITEM INFORMATION:		Other Events
FILED AS OF DATE:		20230403
DATE AS OF CHANGE:		20230403

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:		23793324

	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>
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<TYPE>8-K
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<DESCRIPTION>8-K
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      <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-family: 'Times New Roman'; font-size: 10pt;">&#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_51fc2c3a14864675a16b266502e140e3" contextRef="c20230403to20230403">8-K</ix:nonNumeric></div>

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      <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-family: 'Times New Roman'; font-size: 10pt;">&#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_5476dc4df9b04e7b86e186ea66fc050e" contextRef="c20230403to20230403" format="ixt:date-monthname-day-year-en">April 3, 2023</ix:nonNumeric></div>

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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_c32e9b0445014f258b5d57be335c49f5" contextRef="c20230403to20230403">NBT BANCORP INC.</ix:nonNumeric><br />
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      <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>

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      </div>

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              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(State or Other Jurisdiction of Incorporation)</div>
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              <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(Commission File Number)</div>
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    <td style="width: 49%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Address of principal executive offices)</div>
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    <td style="width: 49%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">(Zip code)</div>
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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#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_24d20cf0fcda49098940d32bbb71e3ed" contextRef="c20230403to20230403">607</ix:nonNumeric>)
        <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_b2298e1cddb94f6590556fba61c61036" contextRef="c20230403to20230403">337-2265</ix:nonNumeric></div>

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

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            </td>

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

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    <td style="width: 17.5pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:SolicitingMaterial" id="Fact_ed1b2116ff754b2bbc0d0559251696ff" contextRef="c20230403to20230403" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
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    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <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>

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    <td style="width: 17.5pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementTenderOffer" id="Fact_d2d33166b8674cb390500fbe34ba4250" contextRef="c20230403to20230403" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <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>

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    <td style="width: 17.5pt; vertical-align: top; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" id="Fact_4b57a492ac8b4208be8cbb6d60ffcdb6" contextRef="c20230403to20230403" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
            </td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <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>

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

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    <td style="width: 33.31%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <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-family: 'Times New Roman'; font-size: 10pt;">
              <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-family: 'Times New Roman'; font-size: 10pt;">
              <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>

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    <td style="width: 33.31%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_fa6ec78137b945d1a6b3a6d1861e0dfc" contextRef="c20230403to20230403">Common Stock, Par Value $0.01 Per Share</ix:nonNumeric><br />
              </div>
            </td>

    <td style="width: 34%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_9183f4bd6a964d318276cffc21c47efc" contextRef="c20230403to20230403">NBTB</ix:nonNumeric><br />
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            </td>

    <td style="width: 33.34%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: center; color: rgb(0, 0, 0);"><ix:nonNumeric name="dei:SecurityExchangeName" id="Fact_6055ff4d4a5e44b5a6ddd24e8d8280fa" contextRef="c20230403to20230403" format="ixt-sec:exchnameen">The NASDAQ Stock Market LLC</ix:nonNumeric><br />
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      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#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-family: 'Times New Roman'; font-size: 10pt;"><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_be921a932bbb4494b6dbaf32d2cfb411" contextRef="c20230403to20230403" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

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

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

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    <td style="width: 45pt; vertical-align: top; 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-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">Other Events.</div>
            </td>

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

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">On December 5, 2022, NBT Bancorp Inc. (&#8220;NBT&#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;), NBT&#8217;s subsidiary bank, pursuant to which Salisbury will merge with and into NBT, with NBT as the surviving entity.</div>

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

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">In connection with the Merger, NBT filed a registration statement on Form S-4 (333-269742) (as amended, the &#8220;Registration Statement&#8221;) with the
        Securities and Exchange Commission (the &#8220;SEC&#8221;). On February 28, 2023, the Registration Statement was declared effective by the SEC. On March 1, NBT f<span style="color: rgb(0, 0, 0);">iled a definitive proxy statement/prospectus with respect to the
          special meeting of shareholders of Salisbury scheduled to be held on April 12, 2023 at which Salisbury shareholders will be asked to, among other things, vote on a proposal to approve the Merger Agreement (the &#8220;Definitive Proxy
          Statement/Prospectus&#8221;).</span></div>

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

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt;">Since the initial filing of the Registration Statement, six purported shareholders of Salisbury sent demand letters (the &#8220;Demand Letters&#8221;) requesting
        that Salisbury provide additional disclosures in an amendment or supplement to the Registration Statement. In addition, two purported class action lawsuits have been filed against Salisbury, NBT and each of the members of the board of directors of
        Salisbury in the Superior Court of the Judicial District of Litchfield, Connecticut (collectively, the &#8220;Complaints&#8221;). Captioned Reinhardt v. Salisbury Bancorp, Inc., et. al. (LLI-CV-23-6032958S), filed on March 17, 2023, and Parshall v. Salisbury
        Bancorp, Inc., et. el. (LLI-CV23-6033021), filed on March 28, 2023, each of the Complaints alleges that the named directors of Salisbury breached their fiduciary duties by approving the Merger Agreement through an unfair and flawed process and by
        failing to make complete and accurate disclosures regarding this process and that Salisbury and NBT aided and abetted the alleged breaches. Each of the Complaints seeks to enjoin <span style="color: rgb(0, 0, 0);">the merger and requests
          attorneys&#8217; fees and damages in an unspecified amount. NBT and Salisbury believe these allegations are without merit and intend to defend against them vigorously.</span></div>

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

      <div style="text-align: left; text-indent: 36pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">While NBT and Salisbury believe that the Complaints and the Demand Letters lack merit and that the disclosures set forth in the
        Definitive Proxy Statement/Prospectus comply fully with applicable law, in order to moot plaintiffs&#8217; unmeritorious disclosure claims, avoid nuisance and possible expense and provide additional information to Salisbury&#8217;s shareholders, NBT and
        Salisbury have determined to voluntarily supplement the Definitive Proxy Statement/Prospectus as described in this Current Report on Form 8-K. Nothing in Current Report on Form 8-K shall be deemed an admission of the legal necessity or materiality
        under applicable laws of any of the disclosures set forth herein. To the contrary, NBT and Salisbury specifically deny all allegations that any additional disclosure was or is required.</div>

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

      <div style="text-align: center; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">* * * * * * * * * *</div>

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

      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SUPPLEMENT TO DEFINITIVE PROXY STATEMENT/PROSPECTUS</div>

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

      <div style="text-align: left; text-indent: 36pt; font-family: 'Times New Roman'; font-size: 10pt; font-style: italic;">The following information supplements the Definitive Proxy Statement/Prospectus and should be read in connection with the
        Definitive Proxy Statement/Prospectus, which should be read in its entirety. To the extent that information herein differs from or updates information contained in the Definitive Proxy Statement/Prospectus, the information contained herein
        supersedes the information contained in the Definitive Proxy Statement/Prospectus. All page references in the information below are to pages in the Definitive Proxy Statement/Prospectus, and terms used below have the meanings set forth in the
        Definitive Proxy Statement/Prospectus, unless otherwise defined below. <span style="color: rgb(0, 0, 0);">New text within restated language from the Definitive Proxy Statement is highlighted with </span><span style="font-weight: bold; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">bold, underlined text</span></span><span style="color: rgb(0, 0, 0);"> and removed language within restated language from the Definitive Proxy Statement is indicated by <span style="text-decoration: line-through;">strikethrough text</span>. </span>Without
        admitting in any way that the disclosures below are material or otherwise required by law, Salisbury and NBT make the following supplemental disclosures:</div>

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

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">The section of the Definitive Proxy Statement/Prospectus entitled &#8220;Proposal 1&#8212;The Merger&#8212;Background of the Merger&#8221; is amended and supplemented as
        follows:</div>

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

      <div style="text-align: left; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">1.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure replaces in its entirety the fourth full paragraph beginning on p. 33 of the Definitive Proxy Statement/Prospectus:</span></span></div>

      <div style="text-align: left; text-indent: 18pt;"><span style="font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-weight: bold; font-style: italic;"> <br />
          </span></span></div>

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        <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; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">On September 13, 2022, another institution (&#8220;Institution B&#8221;)
          entered into a confidentiality agreement with Salisbury. This confidentiality agreement included a twelve (12) &#8211; month standstill provision as well as a fallaway provision</span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">, but did not contain a &#8220;don&#8217;t ask, don&#8217;t waive&#8221; provision</span></span><span style="font-size: 10pt; font-family: 'Times New Roman';">. The three other institutions contacted by Mr. Cantele indicated that they were not
          interested in exploring a strategic transaction with Salisbury at that time.</span></div>

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

      <div style="text-align: left; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">2.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure is added after the first paragraph on p. 35 of the Definitive Proxy Statement/Prospectus:</span></span></div>

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

      <div style="text-align: left; text-indent: 18pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">On November 30, 2022, NBT delivered to each of Todd Rubino and John Davies an offer letter that set forth certain terms of a
          proposed employment agreement that NBT intends to enter into with each of Messrs. Davies and Rubino if they accept employment with NBT.</span></div>

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

      <div style="text-align: left; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">3.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure replaces in its entirety the fourth full paragraph beginning on page 35 of the Definitive Proxy Statement/Prospectus:</span></span></div>

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

      <div style="text-align: left; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">Following confirmation of the proposed
            exchange ratio,</span></span><span style="font-size: 10pt; font-family: 'Times New Roman';">&#160;<span style="text-decoration: line-through;">Between</span>&#160;</span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">between</span></span><span style="font-size: 10pt; font-family: 'Times New Roman';"> December 1, 2022 and December 4, 2022, Updike and Hogan Lovells exchanged drafts of and finalized the terms of the merger agreement, the related disclosure schedules, the plan of bank
          merger and the voting agreement. </span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">In addition, between December 1, 2022 and December 4, 2022, Updike and Hogan Lovells negotiated the terms of a
            settlement agreement to be entered into with Mr. Cantele.</span></span></div>

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

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">The section of the Definitive Proxy Statement/Prospectus entitled &#8220;Proposal 1&#8212;The Merger&#8212;Opinion of Janney Montgomery Scott, Financial Advisor to
        Salisbury&#8221; is amended and supplemented as follows:</div>

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

      <div style="text-align: left; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">4.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure replaces in its entirety the first full paragraph beginning on page 40 of the Definitive Proxy Statement/Prospectus:</span></span></div>

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

      <div style="text-align: left; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Janney has received <span style="text-decoration: line-through;">a fee</span>&#160;</span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">compensation in the amount of $200,000</span></span><span style="font-size: 10pt; font-family: 'Times New Roman';"> from Salisbury <span style="text-decoration: line-through;">for rendering a</span>&#160;</span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">upon delivery of its</span></span><span style="font-size: 10pt; font-family: 'Times New Roman';"> written opinion to the board of directors of Salisbury as to the
          fairness, from a financial point of view, of the merger to shareholders of Salisbury. </span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;"><span style="text-decoration: underline;">The compensation Janney received from Salisbury upon delivery of
            its fairness opinion will be credited towards the total estimated completion fee payable to Janney as defined as 1.15% of total deal value, which is $2,346,000 based on a total transaction value of $204,000,000.</span></span><span style="font-size: 10pt; font-family: 'Times New Roman';"> Further, Salisbury has agreed to indemnify Janney against any claims or liabilities arising out of Janney&#8217;s engagement by Salisbury. The opinion has been reviewed by Janney&#8217;s compliance
          officer and fairness committee consistent and with internal policy. Janney has not provided financial services and has not received compensation from Salisbury during the prior two years.</span></div>

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

      <div style="text-align: left; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">5.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure replaces in its entirety the fourth, fifth and sixth bullet points of the last paragraph beginning on page 40 of the Definitive Proxy Statement/Prospectus:</span></span></div>

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

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    <td style="width: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><br />
            </td>

    <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#8226;</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div>c<span style="color: rgb(0, 0, 0);">ertain internal financial projections for Salisbury for the years ending December 31, 2022 through December 31, 2025, with reliance upon assumptions concerning Salisbury provided by management of
                  Salisbury, as well as an estimated long-term net income growth rate </span><span style="font-weight: bold; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">of 5.0% per year</span></span><span style="color: rgb(0, 0, 0);"> for the years ending December 31, 2026
                  through December 31, 2028;</span></div>
            </td>

  </tr>


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

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            </td>

    <td style="width: 18pt; vertical-align: top; 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;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">research analyst estimates for NBT for the years ending December 31, 2022 through December 31,
                  2024, as well as an estimated long-term annual net income growth rate </span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">of 5.0% per year</span></span><span style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);"> for the years ending December 31, 2025 through December 31, 2028<span style="text-decoration: line-through;">;</span></span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">. The table below sets forth the consensus research analyst estimates for NBT for the years ending December 31, 2022 through December 31, 2024.</span></span></div>
            </td>

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

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

    <td valign="bottom" colspan="18" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">For the Quarter Ended,</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="18" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">For the Year Ended,</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

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              <div style="text-align: left; font-weight: bold;"><span style="text-decoration: underline;">(Dollars in Thousands)</span></div>
            </td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2022</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">3/31/2023</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">6/30/2023</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">9/30/2023</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2023</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2024</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2025</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2026</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2027</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">12/31/2028</div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 20%; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; padding-bottom: 2px;">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">NBTB Projected Income</span></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">40,464</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">39,793</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">40,420</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">40,324</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">40,184</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">165,109</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">173,365</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">182,033</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">191,135</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">$</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 5%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;">200,691</div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; font-size: 10pt; white-space: nowrap;">&#160;</td>

  </tr>


</table>
      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;</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: rgb(0, 0, 0);" class="DSPFListTable">


  <tr>

    <td style="width: 36pt; font-family: 'Times New Roman'; font-size: 10pt;"><br />
            </td>

    <td style="width: 18pt; vertical-align: top; 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;"><span style="font-size: 10pt; font-family: 'Times New Roman'; color: rgb(0, 0, 0);">the pro forma financial impact of the merger on NBT based on certain assumptions related to
                  transaction expenses, cost savings, and purchase accounting adjustments, as provided by senior management and representatives of NBT<span style="text-decoration: line-through;">;</span></span><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold; color: rgb(0, 0, 0);"><span style="text-decoration: underline;">. The table below sets forth these assumptions.</span></span></div>
            </td>

  </tr>


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

      <table cellspacing="0" cellpadding="0" border="0" class="cfttable" style="width: 50%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left; margin-left: auto; margin-right: auto;">


  <tr>

    <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 38%; white-space: nowrap;">
              <div>
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Dollars in Millions</span></div>
              </div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt; border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

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

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Total Credit Mark</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">18.0</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Credit - Non-PCD Mark</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">12.6</span></div>
            </td>

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

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Credit - PCD Mark</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">5.4</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; font-weight: bold;"><span style="text-decoration: underline;">Interest Rate Securities Mark</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">30.0</span></div>
            </td>

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

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Interest Rate Mark Loans</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">23.8</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Merger Costs</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">18.0</span></div>
            </td>

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

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Core Deposit Intangible</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">24.0</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; width: 38%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-weight: bold;"><span style="text-decoration: underline;">Cost Savings Estimate</span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">10.7</span></div>
            </td>

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

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 38%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Tangible Book Value Dilution &#8211; Per
                    Share<sup>(1)</sup></span></span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">0.49</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 38%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Earnings Accretion &#8211; Per Share<sup>(1)</sup></span></span></div>
            </td>

    <td valign="bottom" colspan="1" style="text-align: right; font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);"><span style="text-decoration: underline;">&#160;</span></td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">$</span></div>
            </td>

    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0);">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">0.18</span></div>
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    <td valign="bottom" colspan="1" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

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      <div style="clear: both;"><br />
      </div>

      <div style="margin-left: 189pt;">
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        <div> <br />
        </div>

      </div>

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    <td style="width: 180pt; font-family: 'Times New Roman'; font-size: 10pt;"><br />
            </td>

    <td style="width: 18pt; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">(1)</td>

    <td style="width: auto; vertical-align: top; text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="font-weight: bold;"><span style="text-decoration: underline;">Excludes interest rate marks on loans and securities for tangible book value calculation purposes, and all purchase accounting accretion/amortization for earnings per share calculation purposes.</span></div>
            </td>

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

      <div style="text-align: left; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">6.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure replaces in its entirety the first full paragraph beginning on page 42 of the Definitive Proxy Statement/Prospectus:</span></span></div>

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

      <div style="text-align: left; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Janney used publicly available information to compare selected financial information for Salisbury with a group of financial
        institutions selected by Janney for the Salisbury peer valuation comparison. The Salisbury peer group consisted of publicly-traded holding companies, deemed comparable by Salisbury. The Salisbury peer group consisted of the following companies:</div>

      <div style="text-align: left; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"> <br />
      </div>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Unity Bancorp Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">ESSA Bancorp Inc.</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Citizens Financial Services</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">The Bank of Princeton</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Orange County Bancorp Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Penns Woods Bancorp Inc.</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Norwood Financial Corp.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Middlefield Banc Corp.</span></div>
            </td>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Parke Bancorp Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">FNCB Bancorp Inc.</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Bankwell Financial Group Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Franklin Financial Services</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Chemung Financial Corp.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">SB Financial Group Inc</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

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    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Western New England Bancorp</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Pathfinder Bancorp Inc.</span></div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Evans Bancorp Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Union Bankshares Inc.</span></div>
            </td>

  </tr>


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

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">
        <div style="margin-left: 36pt;">
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    <td valign="bottom" style="vertical-align: bottom; width: 54%; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
                  <div style="font-size: 10pt;">
                    <div>&#160;</div>
                    <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">Selected SAL Peers</div>
                  </div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>

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

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; text-align: center; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
                  <div style="font-size: 10pt;">
                    <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Price / LTM EPS (x)</div>
                  </div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; text-align: center; width: 1%; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Unity Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">132.1</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.9</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Citizens Financial Services</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">181.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Orange County Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">206.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.8</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">11.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Norwood Financial Corp.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">203.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">13.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Parke Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">99.6</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">6.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">13.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Bankwell Financial Group Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">102.6</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">6.4</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.6</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Chemung Financial Corp.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">163.9</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">7.9</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.6</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Western New England Bancorp</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">111.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.4</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Evans Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">157.7</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.7</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.1</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">ESSA Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">112.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.4</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">The Bank Princeton</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">101.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.4</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.7</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Penns Woods Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">128.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.6</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.9</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Middlefield Banc Corp.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">154.7</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.9</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">FNCB Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">139.9</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Franklin Financial Services</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">137.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.3</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">7.4</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">SB Financial Group Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">126.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.8</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Pathfinder Bancorp Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">112.1</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.8</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Union Bankshares Inc.</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">232.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.8</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">8.5</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: bottom; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Average</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">144.6</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.1</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.4</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: bottom; width: 54%; padding-bottom: 2px;">
                  <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Median</span></div>
                </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">134.8</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.2</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                  <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.0</span></div>
                </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>


</table>
        </div>

        <div>
          <div style="text-align: justify; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 36pt;">Note: Market data as of December 2, 2022</div>

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

        </div>

      </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; text-indent: 18pt;"><span style="font-size: 10pt; font-family: 'Times New Roman'; font-weight: bold;">7.</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">&#160;&#160;&#160; <span style="font-weight: bold; font-style: italic;">The following supplemental disclosure replaces in its entirety the first full paragraph beginning on page 43 of the Definitive Proxy Statement/Prospectus:</span></span></div>

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

      <div style="text-align: left; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Janney used publicly available information to compare selected financial information for NBT with a group of financial
        institutions selected by Janney for the NBT peer valuation comparison. The NBT peer group consisted of publicly-traded holding companies, as defined by the NBT Investor Presentation filed in July 2022. The NBT peer group consisted of the following
        companies:</div>

      <div style="text-align: left; text-indent: 18pt; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;"> <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: rgb(0, 0, 0);">


  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Independent Bank Corp.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">First Busey Corp.</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Community Bank System Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Berkshire Hills Bancorp Inc.</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">First Merchants Corp.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">OceanFirst Financial Corp.</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">First Financial Bancorp.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">First Commonwealth Financial</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Park National Corp.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Tompkins Financial Corporation</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">WesBanco Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Merchants Bancorp</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Heartland Financial USA Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Brookline Bancorp Inc.</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Northwest Bancshares, Inc.</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Customers Bancorp Inc.</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Provident Financial Services</span></div>
            </td>

    <td style="width: 2%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left;"><span style="text-decoration: line-through;">&#8203;</span></div>
            </td>

    <td style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">Premier Financial Corp.</span></div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

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

    <td rowspan="1" style="width: 49.29%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 49.29%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);"><span style="text-decoration: line-through;">S&amp;T Bancorp Inc.</span></div>
            </td>

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

    <td style="width: 49.29%; vertical-align: middle; font-family: 'Times New Roman'; font-size: 10pt;">&#160;</td>

  </tr>


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

      <div style="font-family: 'Times New Roman'; font-size: 10pt; margin-left: 36pt;">
        <table cellspacing="0" cellpadding="0" border="0" class="cfttable" style="width: 90%; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">


  <tr>

    <td valign="bottom" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 54%; white-space: nowrap;">
                <div style="font-size: 10pt;">
                  <div>&#160;</div>
                  <div style="text-align: left; font-family: 'Times New Roman'; font-weight: bold;">Selected NBTB Peers</div>
                </div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>

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

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%; text-align: center; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
                <div style="font-size: 10pt;">
                  <div style="text-align: center; font-family: 'Times New Roman'; font-weight: bold;">Price / LTM EPS (x)</div>
                </div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; width: 1%; text-align: center; white-space: nowrap;">&#160;</td>

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

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Independent Bank Corp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">231.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">22.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">21.2</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Community Bank System Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">634.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">19.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">22.5</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">First Merchants Corp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">227.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.4</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">14.5</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">First Financial Bancorp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">276.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">15.2</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Park National Corp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">276.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">15.9</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">24.4</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">WesBanco, Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">214.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">13.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">14.5</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Heartland Financial USA Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">220.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Northwest Bancshares, Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">179.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">15.0</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">13.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Provident Financial Services</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">155.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.4</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">S&amp;T Bancorp Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">184.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.2</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">16.0</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">First Busey Corp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">191.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">11.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">11.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Berkshire Hills Bancorp Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">155.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">17.9</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.6</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">OceanFirst Financial Corp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">143.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">11.0</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">First Commonwealth Financial</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">193.7</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.9</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">14.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Tompkins Financial Corporation</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">253.0</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">14.2</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">15.5</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Merchants Bancorp</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">122.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">5.7</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.5</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Brookline Bancorp Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">135.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">9.9</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.5</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Customers Bancorp Inc.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">82.4</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">3.7</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">5.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Premier Financial Corp.</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">194.2</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">10.1</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.4</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: bottom; width: 54%; padding-bottom: 2px;">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Average</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">214.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.7</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">14.2</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: bottom; width: 54%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; text-indent: -12pt; margin-left: 12pt; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;"><span style="text-decoration: underline;">Median</span></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">193.7</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">12.3</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold; text-align: center;"><span style="text-decoration: underline;">13.8</span></div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>


</table>
      </div>

      <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt; margin-left: 36pt;">Note: Market data as of December 2, 2022</div>

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

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

      </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-family: 'Times New Roman'; font-size: 10pt;">&#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: rgb(0, 0, 0);">In connection with the proposed transaction, NBT has filed with the </span><span style="font-family: 'Times New Roman'; font-size: 10pt;">Securities and Exchange Commission (&#8220;SEC&#8221;) <span style="color: rgb(0, 0, 0);">a registration statement on Form S-4 that includes a proxy statement of Salisbury that also constitutes a
            prospectus of NBT (the &#8220;proxy statement/prospectus&#8221;), which proxy statement/prospectus was mailed or otherwise disseminated to Salisbury&#8217;s shareholders on or about March 7, 2023. NBT 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 NBT, 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 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: Secretary, telephone (860) 453-3432</span>.</span></div>

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

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

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#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-family: 'Times New Roman'; font-size: 10pt;">&#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-family: 'Times New Roman'; font-size: 10pt;">&#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: rgb(0, 0, 0);">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 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</span><span style="font-family: 'Times New Roman'; font-size: 10pt;">.</span></div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;">&#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-family: 'Times New Roman'; font-size: 10pt;"><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 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="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;">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 or 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, 2022 and in subsequent filings with the SEC.</div>

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

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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      <div style="text-align: center; font-family: 'Times New Roman'; font-size: 10pt; font-weight: bold;">SIGNATURES</div>

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

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    <td colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0); font-weight: bold;">NBT BANCORP INC.</div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">April 3, 2023</td>

    <td rowspan="1" colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><br />
            </td>

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  <tr>

    <td style="width: 50%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;"><br />
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    <td style="width: 3%; vertical-align: top; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0);">By:</div>
            </td>

    <td style="width: 47%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
              <div>
                <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">/s/ Scott A. Kingsley</div>
              </div>
            </td>

  </tr>

  <tr>

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

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

    <td style="width: 47%; vertical-align: top;">
              <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Scott A. Kingsley</div>
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  <tr>

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

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

    <td style="width: 47%; vertical-align: bottom; font-family: 'Times New Roman'; font-size: 10pt;">
              <div style="text-align: left; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 10pt;">Executive Vice President and Chief Financial Officer</div>
            </td>

  </tr>


</table>
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      </div>

      <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
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    <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>
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    <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>
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    <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>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
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    <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>
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    <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>
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2022/dei-2022.xsd#dei_SecurityExchangeName" xlink:label="SecurityExchangeName" xlink:title="SecurityExchangeName" />
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  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>4
<FILENAME>nbtb-20230403_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by Broadridge PROfile 23.3.1.5138 Broadridge-->
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    <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>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>5
<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) {
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<body>
<span style="display: none;">v3.23.1</span><table class="report" border="0" cellspacing="2" id="idm139923412847616">
<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>Apr. 03, 2023</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">Apr.  03,  2023<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<tr>
<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Balance Type:</strong></td>
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<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>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:normalizedStringItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>dei:employerIdItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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<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>
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</table></div>
</div></td></tr>
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<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>
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<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>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
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<tr>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
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</tr>
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<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>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<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>
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<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>
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<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>
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<td>xbrli:booleanItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
